Meet Carol Taylor and Peter Tobia  Carol and Peter are NUMBER 1 EXPERTS who are uniquely equipped to guide you in buying or selling Real Estate at the Jersey Shore. "We truly care about the wants and needs of our clients, whether you are buying or selling. Our NUMBER 1 priority has always been to provide polite, honest and exceptional service to all our clients. We specialize in Oceanfront, Barnegat Bay, Barnegat Beach Island and local waterway communities and finer neighborhoods along the Jersey Shore." Carol is a licensed Broker/Sales Associate, has a Graduate Realtor Institute designation and over 25 years of Real Estate sales experience, as well as dozens of sales awards for outstanding achievements. Peter is a licensed Realtor and a licensed Professional Engineer, with extensive residential building and development experience and knowledge. He has lived and worked in Monmouth and Ocean Counties for 23 years and has first hand knowledge of some of their finer communities including Bay Head, Spring Lake, Manasquan, Wall and Brick. Find out why Money Magazine has named the Monmouth /Ocean County region as "One of the best places to live in the nation" several years in a row. Come join us for another day in Paradise at the Jersey Shore! We are the Spring Lake, Bay Head and Ocean County NUMBER 1 Real Estate EXPERTS. Call or e-mail us today!    |  | | |
 Professional Resume Carol Taylor has been a Realtor since 1978 and adheres to the principals of integrity, respect and commitment, which is why her clients get exceptional service and guidance. Carol has earned numerous awards throughout her career including Million Dollar Club status, top 5% of Realtors, companywide for production and top listing agent. She is a member of Monmouth County and Ocean County Multiple Listing Services, a member of the National Association of Realtors, a New Jersey licensed Broker, has earned her Graduate Realtor Institute designation and is a Relocation and Marketing Specialist. Why Choose Carol?
In the past 31 years she has sold homes throughout New Jersey, including the Jersey Shore where she spent her summers growing up, and knows how to help buyers find the right home in any price range. She'll walk you through the process of buying a home and eliminate potential problems before they start. Her negotiating skills will get you the best possible price. You will receive the utmost in service whether it's her marketing strategies for selling your home or her commitment in finding your home. Experience and Knowledge are the Keys to Your New Home

| | Member South Monmouth Board of Realtors | | | Member Monmouth/Ocean Multiple Listing Service | | | Member National Association of Realtors | | | Member New Jersey Association of Realtors | | | Licensed Broker/Sales Associate | | | Graduate Realtor Institute Designation (GRI) | | | Relocation and Marketing Specialist | | | Million Dollar Sales Club | | | Circle of Excellence Association | | | Three Time "Winner's Circle in Dollar Volume of Sales and Listings Sold" in the Past Three years for the Entire Company (700 agents) |
   |  | | |
 When you are buying or selling Real Estate in today's market, it's important to have confidence in you Real Estate professional. My commitment as your Number 1 Realtor is to provide you with comprehensive, professional and personalized real estate service. I have been, for most of my professional career, a self employed entrepreneur. My father was a residential home builder in New Jersey all his life and I grew up in the building business. I became a civil engineer and obtained my NJ Professional Engineer license to stay close to the real estate/building business. My professional experience includes being Project Engineer for the first Planned Unit Development in NJ I have designed and built homes which appeared in Better Homes and Gardens and New York Times as well as one which was featured at the National Association of Homebuilders convention in Las Vegas. My personal experience includes building new homes, owning and managing income properties, subdividing land, as well as dealing with investment property. In addition, I have taken 8 companies public and currently serve on the board of directors of a small public high-level science company. We bought a home in Bay Head in 1985 and I have lived in several wonderful Jersey Shore communities over the past 24 years including Brielle, Spring Lake and Brick. I became a Realtor in order to utilize my expertise to assist you with your Real Estate needs. I have teamed up with Carol Taylor, Broker/Realtor Associate, who has an extensive and impressive 31 years of real estate experience. The Taylor/Tobia Team makes up what some have called "The most professional Real Estate team on the Jersey Shore." Let us be your local area experts with knowledge of the numerous shore communities in the southern Monmouth and northern Ocean County real estate market. We specialize in buying and selling waterfront and waterview properties in the various Oceanfront, Barnegat Bay, Manasquan River, Metedeconk River, barrier island, and lagoon communities that make up The Jersey Shore. Professional Affiliations

| | Member South Monmouth Board of Realtors | | | Member Monmouth/Ocean Multiple Listing Service | | | Member National Association of Realtors | | | Member New Jersey Association of Realtors | | | Licensed Sales Associate |
Call or E-Mail Peter for All Your REAL ESTATE AT THE JERSEY SHORE needs 24/7/365
Sharon Castillo Broker/Sales Associate |
Michele Frank Sales Associate |
Please Sign Up For The Latest Listings and the Latest Real Estate News
 |
Interest Rates >Locking in Loan Rates
It is important for both new homebuyers and homeowners who want to refinance to understand how to lock in an interest rate when applying for a mortgage loan. Understanding how rate locks work prepares you to evaluate your options.
While you are in the process of applying for your mortgage loan, interest rates will most likely fluctuate from day to day and week to week. If you want assurance that the wonderfully low interest rate on your loan will not increase while you are waiting for loan approval, ask for a rate lock. A conventional rate lock is a guarantee from the lender that your mortgage will carry a particular interest rate, with specific, predetermined points and fees.
The interest rate is "locked in" for a specified period of time, usually thirty days. When you call a lender for a rate quote, ask how long that rate will last for. If you think you might need more than thirty days to complete your home purchase or refinance, tell your lender how many days you will require, and they will give you an adjusted rate quote.
Rate locks are especially useful if interest rates are on the upswing, and you are concerned about ending up with higher monthly payments. If you cannot afford the risk of a further interest rate increase, lock in your loan rate now.
|
 |
| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
|
| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
See More Real Estate Trivia > |
|
|
|