Bay Head, Spring Lake and Brick real estate and homes for sale in New Jersey - Carol Taylor and Peter Tobia, REALTORS® Carol Taylor and Peter Tobia REALTORS(r) for Bay Head, Spring Lake and Brick, New Jersey real estate - NUMBER1EXPERTS™ Carol Taylor and Peter Tobia NUMBER1EXPERTS(tm) for Bay Head, Spring Lake and Brick, New Jersey real estate

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Carol Taylor and Peter Tobia, REALTOR®, real estate agents and broker for Bay Head, Spring Lake and Brick New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
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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Relocating?: Bay Head, Spring Lake and Brick New Jersey home buying, real estate listings, and homes for sale in Ocean and Monmouth County, NJ
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Request Our Free Relocation Package. Don't Move To Bay Head, Spring Lake and Brick Without It! 

Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the Bay Head, Spring Lake and Brick, New Jersey area. 

If you will be moving to the Bay Head, Spring Lake and Brick area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria. 

When you visit, we'll be ready! We will visit the Bay Head, Spring Lake and Brick neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. 

Remember: As top Bay Head, Spring Lake and Brick REALTORS®, it's our job to know this area inside and out, and we want to make your transition as smooth as possible. 

To get started, fill out the form to request our FREE Bay Head, Spring Lake and Brick, New Jersey Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... 

Are you new to the area? Request our FREE package of Bay Head, Spring Lake and Brick relocation information. It's our job to help! There's no obligation, and we promise to respond quickly... 

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Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Real Estate Trivia
Q 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Carol Taylor and Peter Tobia, REALTOR®, 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!

Equal Housing GRI MLS REALTOR




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