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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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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What areas are known as the 'silk stocking' districts of this famous city?
A	In Central Park West, Fifth Avenue and Park Avenue in Manhattan, apartments go for $222,610 to $282,709 per room.
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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
Childers Sotheby's International Realty
Point Pleasant Beach / Bay Head Area , NJ. 08742
732-735-5114
732-735-5114
Peter's Cell: 908-331-0669
Fax: 732-714-8492
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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