All agents are NOT alike! Find out why we are top real estate experts. Call us: 732-735-5114. Monmouth and Ocean County listings are linked below.

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A Real Gem
"Carol took every opportunity to touch base with us; to advise us every step of the way."
Sue and Bob
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Carol Taylor and Peter Tobia are some of The Top Selling Real Estate Experts™
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First Time Homebuyers: Bay Head, Spring Lake and Brick New Jersey home buying, real estate listings, and homes for sale in Ocean and Monmouth County, NJ

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Bay Head, Spring Lake and Brick real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Short Sales >3. How to Prepare for a Short Sale

If a homeowner is facing foreclosure and wishes to explore short selling their home as an alternative, it is crucial to get help from a trusted real estate agent. With the agents help, this is how the homeowner will prepare to short sell their home:

Agreement. The homeowner must get the lender to agree to sell the home at a loss.

Documentation. If the lender agrees to a short sale, the homeowner will need to provide documentation to the lender indicating that he or she is financially incapable of paying for the loan. It depends on the lender, but the documentation usually required can include:

A hardship letter explaining why the homeowner is unable to pay the mortgage.

Recent tax return forms, W2 forms, and/or 1099s.

Recent paystubs.

Financial statement detailing list of assets and liabilities.

Consultation. The last thing a financially stressed homeowner needs is more financial stress. The homeowner should consult with an attorney to find out whether or not difference between what the home is worth and what the home sells for will be taxed.

Communication. Everyone needs to communicate during this process. The homeowner needs to communicate with the lender to make sure the lender has everything needed to apply for the short sale. The homeowner and the lender need to be in constant contact with potential buyers to make sure they stick around.

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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.
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Carol Taylor and Peter Tobia, REALTORŽ, real estate agents and broker for Bay Head, Spring Lake and Brick New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Taylor and Peter Tobia
Ward Wight Sotheby's International Realty
Sea Girt / Spring Lake area , NJ. 08750
732-735-5114
732-735-5114
Peter's Cell: 908-331-0669
Fax: 732-449-5519
Email: CarolTaylor@NUMBER1EXPERT.com
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!

www.RealEstateAtTheJerseyShore.com is brought to you by Carol Taylor and Peter Tobia
NUMBER1EXPERTS™ in real estate for Bay Head, Spring Lake and Brick, New Jersey

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