Getting Pre Approved for a Mortgage

first time

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

This slideshow requires JavaScript.

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

Millville New Jersey 4 Beds & 3 Baths

This slideshow requires JavaScript.

Priced to sell at just $199,900 this spacious two story home on quiet corner lot is located  in Whitemarsh Estates in Milville, New Jesey . Home features 4 bedrooms and 3 baths. Eat-in kitchen with cherry cabinets, granite countertops and stainless steel appliances. Kitchen opens to family room with wood burning fireplace. Separate dining room off kitchen, formal dining room, office, laundry room and full bath on the first floor. Large master bedroom with walk-in closet and two double closets. Master bath has soaker tub, tiled stall shower and double vanity. Middle upstairs bath has tiled shower and double vanity. Full basement, ceiling fans, security system, two car attached garage with automatic door openers, natural gas heat and hot water, central air, public water and sewer. Rear paver patio, six foot vinyl fenced yard. Rieck Avenue Elementary School. Call today for more details or your private tour!

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

www.stacyschnell.com    /  www.thescottsheppardteam.com

FHA Loan Guidelines for 2019

1-17.jpg

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

Port Norris, New Jersey

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 slideshow requires JavaScript.

This listing presented by The Scott Sheppard Team. Call today to schedule your private tour. Stacy 856-364-0772

Mobile home for Sale Vineland, NJ

 

This slideshow requires JavaScript.

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

Home for Sale Cedarville, New Jersey

This slideshow requires JavaScript.

Charming & large two story home on quiet street. Home features 3 bedrooms and 2 baths. Kitchen has all new kitchen cabinets and stainless steel appliances. Large front porch, spacious family room and separate dining room. Rear sunroom, detached 2 car garage, walk up attic, full basement. Roof, vinyl siding and well are less than one year old. Home requires a new septic system, palns are already being drawn. Seller to provide approved septic plans at settlement. Sold in strictly “as-is” condition. Priced to sell!

This listing is located in Lawrence Township, NJ. It is presented by Stacy Schnell & The Scott Sheppard Team. For more information or to schedule a private tour please call Stacy @ 856-364-0772.

 

Coolest smart furniture to own in 2019

Get ready for smart tables, shower heads and even toilets

With smartphones and virtual voice assistants already in common usage, the next frontier is smart furniture — chairs, tables and even toilets in which certain features can be set off by a smartphone or voice.

While talking shower heads and couches may seem futuristic, the trend is already in full swing. People bought more than 80 million smart home devices in 2016 while  Zion Market Research predicts that the global smart home market will reach $53.45 billion by 2022.

Smart furniture can range from the practical to the ridiculous. To help you learn what home buyers will be looking for, Inman News has curated a list of the best, newest and, in some cases, weirdest smart furniture items you can get in 2019.

table

The Charging Table

Instead of digging around for a charger and a cable, you can just put your smartphone on the FurniQi Side Table ($199) to do the job. The bamboo table looks just like any other other piece of furniture — except for the small circle in the middle acts as a charging dock for all your devices.

This excerpt from Inman News. Please click here to read more.

 

10 Home Trends That Are Hot In 2018 (And 2 That Are OUT)

Capture

 

Whether your home is due for a decor update or you simply prefer to keep up with the latest interior design styles, experts have revealed the decorating trends that will dominate 2018.

So, if you’re planning to put your place on the market and want it to appear like the freshest spot on the block, you need to know what’s hot and what’s not.

Do your New Year’s resolutions include redecorating? If so, take a look at these 10 styles experts say will be all the rage in 2018 — and two that are so last year.

This excerpt from The Lighter Side of Real Estate

To Read More Click HERE

Ranch for rent in Buena

This slideshow requires JavaScript.

FOR RENT-  OFFICE EXCLUSIVE!!

This well kept ranch home is located in Buena, New Jersey and features 3 bedrooms, 1 bath and a laundry on the first fl0or.
Remodeled kitchen w/ oak cabinets, tile floors, backsplash & granite countertops.
Beautiful hardwood and tile floors throughout.
Tenant access to full basement, shed and nice backyard.
Ready to move right in! Tenant responcible for all utilities.  Rent $1,400 per month, serious inquiries oly. All applicants must fill out an NTN report, $35.00 fee.

For more information, please contact Stacy Schnell by Call/TEXT at (856) 364-0772 or email @ stacy.schnell@foxroach.com

Berkshire Hathaway HomeServices, Fox & Roach REALTORS
1450 E Chestnut Ave, Suite 1B Vineland, NJ 08361
Office #: (856) 691-0091
NJ Broker of Record Stephen Booth