Move-in ready two story home

Featuring 4 bedrooma and 3 Baths. This 2 story home is situated on quiet lot on cul-de-sac street in Millville, New Jersey. Completely updated kitchen has wood countertops, new stainless steel appliances, backsplash, freshly painted cabinets, breakfast nook, pantry closet, ceiling fan and double sink with garbage disposal. Kitchen opens up to dining area with a floor to ceiling stone wood burning fireplace and ceiling fan. Separate laundry room and family room off kitchen. Spacious and remodeled foyer entry with exposed wood walls and new flooring. Large master bedroom has cathedral ceilings, ceiling fan and a walk-in closet. Master bath has a double vanity, stall shower, soaking tub and tile flooring. Other features include a partially finished basement, insulated windows, natural gas heat with humidifier, central air, concrete driveway, rear deck, city water and sewer and a large rear yard with two sheds. Solar panels are leased and offer a great savings on your electric bill. Rieck Avenue elementary school. Convenient access to Routes 49, 47 and 55.  This listing is presented by The Scott Sheppard Team. Call today for a tour or more information and ask about property #90. Or for more information about homes for sale in Cumberland County.    Ask about our new $0 down FHA loans!                    Stacy Schnell ~ Realtor Associate Cell: 856-364-0772

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Move-in ready bungalow on quiet street

Listed for just $148,000. This bungalow features a completely upgraded kitchen, maple cabinets with soft-close drawers, granite countertops, tile backsplash, tile flooring and recessed lighting. Kitchen opens to dining room and living room with bamboo floors. Living room has a gas fireplace and ceiling fan. Full basement with bilco doors, walk up attic with attic fan. Roof 6 years old, replacement windows, security system, covered front porch, rear maintenance free deck, fenced yard, driveway parking with carport in rear of home, shed. Natural gas heat and hot water, central air condenser 1 year old, public water and sewer, Mt. Pleasant Elementary School. Easily accesible to Routes 49 and 55.  This property is presented by The Scott Sheppard Team. Give us a call to schedule your private tour today! Ask about home # 89. Stacy Schnell ~ Realtor Associate Cell: 856-364-0772

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Well Maintained Two Story

New price….Listed at just $179,900…this beautiful home is situated on quiet dead end street in north Vineland with a mailing address of Newfield, New Jersey. Home is only 6 years old. Home features 3 bedrooms and 1.5 baths. Eat-in kitchen with oak cabinetry and stainless steel appliances. Spacious living room with ceiling fan. Master bedroom has a walk-in closet. Large rear deck and 6′ vinyl fenced yard. Second floor laundry, security system, natural gas heat and hot water, concrete driveway, shed. Convenient access to Routes 47 and 55. Four years remaining on structural homeowners warranty. Give us a call today for more information on this home or for more info on becoming a first time home buyer. Stacy 856-364-0772

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This listing presented by The Scott Sheppard Team. Give a call today and ask about property #88 for more information or to schedule a tour.

Stacy Schnell ~ Realtor Associate  Cell: 856-364-0772

See what my clients have to say

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Buying or selling a property can be a daunting experience for many people. As a licensed real estate professional, my goal is to support my clients during every step of their journey towards success. Whether your buying or selling for the first time, or you’re an experienced investor, I am dedicated to providing all of my clients with professional, first class service.

CLICK HERE to see what my clients have to say about their experience with me.

Stacy Schnell – Realtor Associate Cell: 856-364-0772

Commercial Opportunity

Well appointed professional office building centrally located in the City of Vineland. Conveniently located across the street from City Hall and the Post Office and one block away from downtown Vineland. UEZ Zone. Off street parking. Easily accessible from Routes 55, 40 & 555. South Jersey real estate located in Cumberland County. #southjerseyrealestate #commercialopportunity

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Stacy Schnell – Realtor Sales Associate – Cell : 856-364-0772

www.stacyschnell.com    /  www.thescottsheppardteam.com

Great potential on this South Jersey Farm

So much potential on this 12.43 +/- farm situated in East Vineland, which is located in Southern New Jersey. Three road frontages, level topography. Perfect for horse farm. 60 x 90 pole barn with riding rink and a 36 x 60 horse barn with nine 10 x 12 stalls. Convenient access to Route 55, 47, 552 and 49. Property consists of 11.94 acres Q Farm of total 12.43 acres.  Buyer responsible for any rollback taxes.  Other Structures: Barn, Horse Stable, Other, Pole Barn, Riding Ring, Storage Barn/Shed. Call today with your questions! 

Stacy Schnell – Realtor Associate Cell: 856-364-0772

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Understanding Your Credit Score

What Is A Credit Score?

When lenders evaluate a loan application, a process called underwriting, they try to evaluate your ability and willingness to repay the loan. They judge the borrower’s ability to repay by reviewing the income and stability of past earnings. This practice helps the lender to determine if the borrower can afford the loan payments. The review of past credit history is used to judge the willingness of the borrower to repay the loan.

Lenders want their evaluation to be as accurate, objective and consistent as possible. To help achieve this goal, home mortgage lenders use credit scores to assist in the underwriting process. Credit scores are numerical values that rank individuals according to their credit history at a given point in time. A credit score is based on past payment history, the amount of available credit, and other factors. According to Fannie Mae and Freddie Mac, two large investors in mortgage loans, credit scores have proven to be very good predictors of whether a borrower will repay his or her loan.

Credit scores are just one of many factors considered in the underwriting process. The lender will review the many components that make up the financial situation of a borrower. Even when a credit score is low, there are other factors that could overcome the negative credit issues and satisfy other underwriting criteria.

Click HERE to read more. As always, please feel free to call me anytime with your real

estate questions and needs.

Stacy Schnell – Realtor Associate – Cell : 856-364-0772

Getting Pre Approved for a Mortgage

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Though you may be willing to spend a certain amount, the real determination of how much house you can afford is driven by how much a lender calculates you can afford. So before you begin to search for the perfect house, it is very important to begin the homebuying process by getting preapproved. Getting preapproved for a home mortgage loan will provide you with a preliminary statement on the size of loan for which you can qualify. Knowing this, you can then focus your home search.

In general, lenders allow your total monthly housing costs to go as high as but not more than 30 percent of your gross monthly income. The second requirement is that not more than 36 percent of your gross monthly income can be tied up in the total monthly house payment and payments on long-term debt.

Visit my Website to read more and for adiitional information about obtaining a mortgage. Please feel free to give a call anytime for assistance with the home buying process!

Stacy Schnell – Realtor Associate – Cell: 856-364-0772

Move Right In

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Listed for just $215,000 this move-in condition rancher in quiet neighborhood on dead end street in Minotola which is located in Buena, New Jersey.  Home features 3 bedrooms & 2 bathrooms. Eat-in kitchen with granite countertops, tile backsplash, hardwood flooring and center island. Kitchen opens to a spacious sunroom. Sunroom has tile flooring, exposed beams and ceilng fan. Family room has exposed beams and gas fireplace. Master bedroom has hardwood flooring, ceiling fan, plantation shutters and a full bathroom. Other features include a brick front exterior, front porch, paver driveway, formal living room, large rear deck, fenced yard, shed and in-ground pool. Buena School System. This home is eligible for 100% USDA Guaranteed Financing.

Stacy Schnell – Realtor Sales Associate – Cell : 856-364-0772

www.stacyschnell.com    /  www.thescottsheppardteam.com