John Swartz | Re/Max Connection Realtors | (856) 308-2698 29 Sandra Rd, Voorhees, NJ 2BR/1+1BA Single Family House offered at $105,000 Year Built 1982 Sq Footage Unspecified Bedrooms 2 Bathrooms 1 full, 1 partial Floors Unspecified Parking 2 Lot Size 2,614 sqft HOA/Maint $0 per month DESCRIPTION Nice 2 bed 1.5 bath 1st floor condo located in "Mews at Echelon" section of Voorhees. Large family room, eat in kitchen, perfectly located and priced to sell. TLC needed, sold as is buyer responsible for any/all township/lender/title company certifications and or repairs. see additional photos below PROPERTY FEATURES - Central A/C - Central heat - Living room - Dishwasher - Refrigerator - Stove/Oven - Washer - Dryer - Laundry area - inside - Yard ADDITIONAL PHOTOS Photo 1 Contact info: John Swa... 11/16/2011

Another Snow Day in Southern New Jersey today. My sons school was closed again today and my work actually was closed so we got to spend all day together. I began to feel how lucky I have to have the kind of job that I do, from time to time, have the ability to work from home. Some are not so lucky. Below is a picture of our hard work today! Today was just a nice reminder at how lucky I am really am. It seems some what small but days like today, really make me want to make the most out of every day. I'm sure you have noticed that we are not artist but we did our best and had fun doing it! 01/27/2011

And, you have the Dodd-Frank Financial Reform Bill to thank for it.  Starting July 21, 2011, lenders will have to provide you with your credit score if you are turned down for a loan OR are charged a higher rate than the "best" rate they have to offer. This appliies to everyone - mortgage companies, auto dealerships, credit card companies, landlords, insurance agents, utilities - basically any one who uses a credit score. In addition to letting you know yoru credit score, you will recieve an explanation of the range of the score and a graph on how your score compares to other consumer scores. Here are some tips if you are not happy about your score: Contact the creditor who sent you your score and ask how many points are needed to get the best rates. If they tell you 15 or 20, it's fair... 01/21/2011

What's the first thing you do when you start working with a new client?  You ask the area, the type of home, the price range, etc. Next, you probably ask about their family, their employment and if they have been pre-qualified for a mortgage loan.  There are 5 mortgage qualifying situations that we have to be extra, super careful about.  So when you hear about any of these 5, call me right away so you won't be wasting your time showing homes! •Self-Employed Clients - A person is considered "self-employed" if they own 25% or more of any business.  This includes partnerships and LLCs. Not only do I need 2 years' tax returns, I have to have them sign a form, that's sent to the IRS to verify the numbers.   The red flags here are when someone says they have filed an extension-or they state t... 12/23/2010

Yes, you can still get a loan with no down payment. I would just like to give you an idea about how your credit will be looked at. USDA has just gone to a 640 middle fico score to qualify for a USDA No Down Payment Home Loan. In other posts I have gone over many of the other advantages that this product offers. In today's market it is important to understand how your credit can have an impact on what you qualify for. The most important credit charectoristics that will be reviewed is the most recent 12 months credit profile. It is extremely important to monitor your credit report. If you have not had your credit report pulled, please check out www.annualcreditreport.com to have a tri-merged credit report pulled for free. You always want to have a tri-merged ( pulled from all 3 of the cre... 12/22/2010

If you have a conventional mortgage, and put less than 20% down when you purchased your home ( or less than 20% equity when you refinanced your home ) your monthly payment includes "mortgage insurance". Depending on your interest rate, for a 30- year term mortgage and if you put 5% down payment, it will take approximately 11 years to reach 78% loan to value; with 10% down, it will take you about 9 years, and with 15% down, 6 years. If you haev an FHA mortgage, mortage insurance is automatically included in your monthly payment. Both types of loans have certain rules where mortgage insurance must be eliminated after a certain period of time - and under certain conditions. Dropping Conventiona Mortgage Insurance Rules: Automatically Deleted When:                                           ... 12/21/2010

Even if you aren't planning to buy a home in the near future, you may be considering doing so somewhere down the road (no pun intended). While real estate has been a good investment in the long term, there's a new way of thinking about buying your next home A home is not just an investment; it's a place to live.  Does the location fit your lifestyle?  Buying a home is a "social statement".  When you buy a big home, you are making a statement to family, friends, and neighbors.  Ask yourself how big of a "social statement" can you afford? If you have a steady job, matching your income with your mortgage payment and expenses is a good thing.  But if you are an entrepreneur or work on commission, it pays to be more conservative. Do you see yourself living there?  Sit in the dining & living ... 12/20/2010