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
This 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.
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
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
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
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
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
Qualifying for a Federal Housing Administration (FHA) loan can be much easier compared with a conventional one. Borrowers will need a valid Social Security number, and be a lawful resident of legal age to be able to sign an FHA loan. Qualifying for a loan requires a minimum credit score of 500 in addition to a FHA-approved property appraisal and a favorable debt-to-income ratio.
This excerpt from Valuepenguin.com Click HERE to read more.
Visit my website stacyschnell.com for more helpful information on getting prepared to purchase a home or call me anytime, Id be happy to assist!
Stacy Schnell – Realtor Associate Cell: 856-364-0772
Home features 3 bedrooms & 2 baths.Well maintained cape cod on corner lot in quiet neighborhood. Large kitchen has oak cabinetry, double sink, ceiling fan and center island. Seperate dining room off kitchen opens to spacious living room with a wood burning fireplace. Full basement with bar could be easily finished. Front covered porch has two hanging porch swings, large rear deck, fenced yard, detached 2 car garage, detached 50 x 30 garage with 200 amp service and half bath. This home qualifies for 100%, no money down, USDA financing. Only one mile from the Bayshore Center at Bivalve home to the AJ Meerwald and the Oyster Cracker Cafe.
This listing presented by The Scott Sheppard Team. Call today to schedule your private tour. Stacy 856-364-0772
Very well kept home in Vineland Hills. Great starter home or looking to downsize? Home has newer windows. New carpet & new vinyl flooring. Newer Thermopride heater, newer central air system. Built on room has lots of outside storage or can be used as a nice porch. Ceiling fans throughout. Sale subject to park approval. Priced to sell, owner says make an offer.
This listing is presented by Stacy Schnell Stacy Schnell & The Scott Sheppard Team. Call Stacy today to schedule your private tour. Stacy 856-364-0772