2016-11-30

Gary Simmens is Helping Buyers to Get the Best Financing in Absec

We assist local real estate buyers in getting the best financing through extensive mortgage company contacts and recommendations in Absecon, Galloway Township, Brigantine, Linwood, Northfield, Ocean C

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Getting the best Financing

Finding the right home for you is your primary goal, but enjoying it with a lower payment and better mortgage terms is a very important secondary goal. I’ve researched and worked with many mortgage brokers and lenders in the Absecon real estate markets, and I’ll help you to contact those that are the best fit for you and your financial picture.

The normal mortgage for working families – Just because there’s nothing special about your income stream, and you’re getting a paycheck every week, that doesn’t mean that there won’t be differences in mortgages and lenders for your needs. Every mortgage broker and most lenders tend to work within their own requirements and procedures, and these may or may not be the friendliest terms for a salaried or hourly wage earner. I know which are going to treat you right and give you the best terms, and I’ll guide you to them.

The self–employed borrower – Since the mortgage and housing crisis that began in 2007, it’s become a grueling process for a business owner or self–employed person to get a mortgage. Documentation of income and expenses is much more detailed, and I’m up–to–date on all of it. I’ll steer you toward multiple sources for great mortgages for the self–employed.

Less than stellar credit – All types of lenders have become tougher in our new financial environment, and it’s easy to get a ding or two on your credit these days. It doesn’t even take a mistake or late payment, as credit scores are reduced for the amount and ratio of debt, as well as types of debt. Millions of people pay their bills on time and still don’t have those high end credit scores. I know the lenders in the Absecon, Galloway Township, Brigantine, Linwood, Northfield, Ocean City, Egg Harbor Township, Port Republic, Somers Point, Mays Landing, Atlantic City, Margate City, Longport, Ventnor City, and Upper Township real estate markets ready to provide good mortgages for less than high end credit scores, and I’ll tell you who they are.

ARMs and When They’re Appropriate–** ** Though most residential home buyers are buying a home they intend to occupy for a number of years, on average around the country at least eight, this isn’t always the case. Also, investors may be looking at a shorter ownership time frame. ARMs, Adjustable Rate Mortgages, are appropriate if the plan is to own a home seven or fewer years, particularly five or fewer. Because the lender is tying up their money for a shorter defined time period, they loan at lower interest rates. ARMs can result in hundreds of dollars a month in lower payments in some cases. They can also allow a buyer to qualify for a larger home. However, this isn’t generally a great practice, as once the ARMs fixed rate interest period is over, rates can escalate more than expected.

Financial Disclosure and Deal-To-Closing Considerations – Especially after the mortgage and housing problems that began in 2007, lenders and their underwriters are scrutinizing financial, income and expense information much more closely than ever before. Be prepared to dig out a lot of documentation, and it’s best to be forthcoming with any financial information that impacts your ability to pay the mortgage payment. Even if it’s not asked for early in the process, be prepared for questions and requests for documents throughout the process. Also, it’s highly recommended that you not add any credit card or other debt between the purchase contract and the closing. Just before closing, most lenders will do another credit check and a check for any liens or encumbrances.

Watch the Fees and Question Them–** ** There are a number of fees associated with getting a mortgage, and the total of origination and other fees is usually the highest closing cost aggregate item in the deal. Never hesitate to ask about all fees, why they’re charged and why they’re a certain amount and how they’re calculated. It’s your money, and you’re the customer.

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1 1/2 Story 11 - 20 Units 2 Story 21 - 50 Units 3 Story 4 - 10 Units 51 - 100 Units A-Frame Bi-Level Bungalow Business Only,Restaurant Business Only,Retail Business Only,comm. W/apartments,retail Business Only,Retail,Restauran Business Only,commercial,comm. W/apartments Business Only,commercial,comm. W/apartments,light Industrial,office Building,retail,restaurant,warehouse Business Only,commercial,comm. W/apartments,office Building,off./prof. Condo,retail,restaurant,other (see Remarks) Business Only,commercial,comm. W/apartments,office Building,retail,restaurant,restaurant & Bar Business Only,commercial,commercial Condo,office Building,off./prof. Condo Business Only,Commercial,Commercial Condo,Retail,Restaurant,Other (See Remarks) Business Only,commercial,heavy Industrial,office Building,off./prof. Condo,retail,restaurant,warehouse Business Only,commercial,heavy Industrial,warehouse Business Only,commercial,hotel,light Industrial,motel,office Building,retail,warehouse Business Only,commercial,light Industrial Business Only,commercial,liquor License,other (see Remarks) Business Only,Commercial,Office Building Business Only,commercial,office Building,off./prof. Condo,retail,restaurant Business Only,commercial,office Building,retail Business Only,commercial,office Building,retail,other (see Remarks) Business Only,commercial,office Building,retail,restaurant,other (see Remarks) Business Only,Commercial,Restaurant Business Only,Commercial,Retail Business Only,commercial,retail,restaurant Business Only,Commercial,Warehouse Business Only,Office Building, Business Only,liquor License,other (see Remarks) Business Only,Off./Prof. Condo Business Only,office Building,off./prof. Condo Business Only,office Building,off./prof. Condo,retail,other (see Remarks) Business Only,office Building,other (see Remarks) Business Only,office Building,retail,restaurant Business Only,other (see Remarks) Business Only,retail,restaurant Business Only,retail,restaurant,other (see Remarks) Business Only,warehouse Cape Cod Co-op Colonial Comm. W/apartments Comm. W/apartments,light Industrial,warehouse Comm. W/apartments,liquor License,office Building,restaurant,restaurant & Bar Comm. W/apartments,liquor License,retail Comm. W/apartments,marina,other (see Remarks) Comm. W/apartments,marina,retail Comm. w/Apartments,Retail,Warehouse Comm. W/apartments,off./prof. Condo,retail,other (see Remarks) Comm. W/apartments,office Building Comm. W/apartments,office Building,other (see Remarks) Comm. W/apartments,office Building,restaurant Comm. W/apartments,office Building,retail Comm. W/apartments,other (see Remarks) Comm. W/apartments,restaurant,other (see Remarks) Comm. w/Apartments,Retail Comm. W/apartments,retail,other (see Remarks) Comm. W/apartments,retail,restaurant Commercial,Warehouse Commercial Condo,Office Buildi Commercial Condo,comm. W/apartments Commercial Condo,comm. W/apartments,off./prof. Condo Commercial Condo,Industrial Condo,Off./Prof. Condo,Warehouse Condo Commercial Condo,light Industrial,office Building Commercial Condo,light Industrial,office Building,off./prof. Condo,warehouse Condo Commercial Condo,Retail Commercial Condo,off./prof. Condo,retail Commercial Condo,off./prof. Condo,retail,restaurant Commercial Condo,office Building Commercial Condo,office Building,off./prof. Condo Commercial Condo,office Building,off./prof. Condo,retail Commercial Condo,office Building,retail Commercial Condo,Retail,Restau Commercial Condo,Other (See Remarks) Commercial Condo,retail,restaurant Commercial Condo,warehouse Commercial Condo,warehouse,warehouse Condo Commercial,Warehouse,Other (Se Commercial,Retail,Other (See R Commercial,comm. W/apartments,hotel,motel,other (see Remarks) Commercial,comm. W/apartments,hotel,office Building,retail Commercial,comm. W/apartments,light Industrial,office Building,warehouse Commercial,comm. W/apartments,light Industrial,warehouse Commercial,comm. W/apartments,marina,off./prof. Condo Commercial,comm. W/apartments,marina,office Building,retail,restaurant & Bar,warehouse Commercial,comm. W/apartments,off./prof. Condo Commercial,comm. W/apartments,off./prof. Condo,retail,restaurant Commercial,comm. W/apartments,office Building Commercial,comm. W/apartments,office Building,off./prof. Condo,other (see Remarks) Commercial,comm. W/apartments,office Building,off./prof. Condo,retail,warehouse Commercial,comm. W/apartments,office Building,retail Commercial,comm. W/apartments,office Building,retail,other (see Remarks) Commercial,comm. W/apartments,office Building,retail,restaurant,warehouse Commercial,Comm. w/Apartments,Office Building,Retail,Warehouse Commercial,comm. W/apartments,office Building,retail,warehouse,other (see Remarks) Commercial,comm. W/apartments,other (see Remarks) Commercial,comm. W/apartments,restaurant Commercial,comm. W/apartments,restaurant & Bar Commercial,comm. W/apartments,restaurant,restaurant & Bar,other (see Remarks) Commercial,Comm. w/Apartments,Retail Commercial,comm. W/apartments,retail,restaurant Commercial,comm. W/apartments,retail,restaurant,restaurant & Bar,warehouse,other (see Remarks) Commercial,comm. W/apartments,retail,warehouse Commercial,Commercial Condo,Comm. w/Apartments,Office Building,Off./Prof. Condo,Retail,Restaurant,Restaurant & Bar Commercial,Commercial Condo,Comm. w/Apartments,Other (See Remarks) Commercial,Commercial Condo,Hotel,Motel,Office Building,Off./Prof. Condo,Retail,Restaurant,Restaurant & Bar,Warehouse,Ot Commercial,Commercial Condo,Hotel,Motel,Office Building,Retail,Restaurant Commercial,commercial Condo,industrial Condo,light Industrial,warehouse,warehouse Condo Commercial,commercial Condo,light Industrial,office Building,retail,warehouse Commercial,commercial Condo,marina,retail,restaurant,other (see Remarks) Commercial,commercial Condo,off./prof. Condo,retail Commercial,commercial Condo,off./prof. Condo,retail,other (see Remarks) Commercial,commercial Condo,office Building,off./prof. Condo Commercial,commercial Condo,office Building,off./prof. Condo,retail Commercial,commercial Condo,retail Commercial,Commercial Condo,Retail,Restaurant Commercial,heavy Industrial,light Industrial,warehouse Commercial,heavy Industrial,warehouse Commercial,Industrial Condo Commercial,light Industrial,motel,retail,restaurant,other (see Remarks) Commercial,light Industrial,office Building,off./prof. Condo,retail Commercial,Light Industrial,Office Building,Off./Prof. Condo,Warehouse,Warehouse Condo Commercial,light Industrial,office Building,retail,restaurant,restaurant & Bar,warehouse Commercial,light Industrial,office Building,retail,restaurant,warehouse,other (see Remarks) Commercial,light Industrial,office Building,retail,warehouse Commercial,light Industrial,office Building,retail,warehouse,other (see Remarks) Commercial,light Industrial,office Building,warehouse Commercial,Light Industrial,Office Building,Warehouse,Other (See Remarks) Commercial,light Industrial,other (see Remarks) Commercial,light Industrial,retail,other (see Remarks) Commercial,light Industrial,retail,warehouse Commercial,Light Industrial,Warehouse Commercial,light Industrial,warehouse,other (see Remarks) Commercial,liquor License,restaurant Commercial,liquor License,restaurant & Bar Commercial,liquor License,restaurant & Bar,other (see Remarks) Commercial,liquor License,restaurant,restaurant & Bar Commercial,liquor License,retail,restaurant,restaurant & Bar Commercial,marina,office Building,off./prof. Condo Commercial,marina,office Building,off./prof. Condo,retail,restaurant,restaurant & Bar Commercial,motel,other (see Remarks) Commercial,off./prof. Condo,restaurant Commercial,off./prof. Condo,retail Commercial,off./prof. Condo,retail,other (see Remarks) Commercial,off./prof. Condo,retail,restaurant,other (see Remarks) Commercial,office Building,off./prof. Condo Commercial,office Building,off./prof. Condo,other (see Remarks) Commercial,Office Building,Off./Prof. Condo,Retail Commercial,office Building,off./prof. Condo,retail,restaurant Commercial,Office Building,Other (See Remarks) Commercial,Office Building,Restaurant Commercial,Office Building,Retail Commercial,office Building,retail,other (see Remarks) Commercial,Office Building,Retail,Restaurant Commercial,office Building,retail,restaurant,other (see Remarks) Commercial,office Building,retail,restaurant,restaurant & Bar,warehouse Commercial,office Building,retail,restaurant,warehouse Commercial,office Building,retail,warehouse Commercial,office Building,retail,warehouse,other (see Remarks) Commercial,office Building,warehouse Commercial,restaurant & Bar Commercial,restaurant,other (see Remarks) Commercial,Retail,Other (See Remarks) Commercial,retail,restaurant,other (see Remarks) Commercial,retail,restaurant,restaurant & Bar,warehouse Commercial,retail,restaurant,warehouse Commercial,Retail,Warehouse Commercial,retail,warehouse,other (see Remarks) Commercial,warehouse Condo Commercial,warehouse,other (see Remarks) Condo Contemporary Converted Apartments,Duplex Converted Apartments,converted Motel Converted Motel,Townhouse Cottage Detached,Townhouse Duplex Duplex,Townhouse Dutch Colonial Floating Home Fractional Ownership Heavy Industrial Historical Hotel,Other (See Remarks) Hotel,Liquor License,Restaurant,Restaurant Bar,Other (See Remarks) Industrial Condo Industrial Condo,light Industrial,office Building,off./prof. Condo,warehouse,warehouse Condo Light Industrial,Warehouse Light Industrial,Warehouse,Oth Light Industrial,office Building Light Industrial,office Building,warehouse Light Industrial,warehouse,other (see Remarks) Liquor License,Retail,Restaura Liquor License,restaurant & Bar Liquor License,restaurant & Bar,other (see Remarks) Liquor License,restaurant,restaurant & Bar Liquor License,retail,restaurant & Bar Liquor License,retail,restaurant,restaurant & Bar Log Home Marina,Off./Prof. Condo Marina,other (see Remarks) Marina,restaurant,other (see Remarks) Marina,retail Mobile Home Motel Off./Prof. Condo,Retail Off./prof. Condo,retail,restaurant Office Building,Retail Office Building,Other (See Rem Office Building,Off./Prof. Condo Office Building,off./prof. Condo,retail Office Building,other (see Remarks) Office Building,restaurant & Bar,warehouse Office Building,Warehouse Office Building,retail,other (see Remarks) Office Building,Warehouse,Othe Office Building,Retail,Restaurant Office Building,Retail,Warehouse,Other (See Remarks) Office Building,Warehouse,Other (See Remarks) Other Other (see Remarks) Others Pud Ranch Restaurant Restaurant Bar Restaurant & Bar Restaurant,other (see Remarks) Retail Retail,Other (See Remarks) Retail,Restaurant Retail,warehouse,other (see Remarks) Semi-det/1/2dbl Split Level Timeshare Townhouse Triplex Tudor Upside Down Victorian Warehouse Warehouse Condo Warehouse,Other (See Remarks)

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Contact Info

Agent

Gary Simmens

802 Tilton Road Suite 202 Northfield New Jersey 08225

609-338-1339 609-338-1339 gary4results@aol.com

Translator

Contact Me

Listing Courtesy of Keller Williams The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the South Jersey Shore Regional Multiple Listing Service. Real Estate listings held by brokerage firms other than Keller Williams are marked with the Broker Reciprocity logo (a little black house) and detailed information about them includes the name of the listing brokers.

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