›› Looking for an Ideal Neighborhood in America?

If you are buying a home, please feel free to use Neighborhood Scout my guest to select areas you want to explore. Uncover the neighborhoods and communities that meet your discerning criteria, before you spend time and money on a home or a move.  About the search engine »

 By visiting Neighborhood Scout through The Home Sales Spot, you can discover neighborhoods based on: 

• Best public schools
• Neighborhood appreciation rates
• Housing prices in the neighborhood
• Education levels
• The ideal neighbors and lifestyle for you, and more!

 

›› Wouldn't a Visual Town Tour Be Helpful?

Please notify me if you are interested in receiving an Online Visual Town Tour. I will send you photos or videos of the areas that you may be interested in. This may help you beforehand to determine if that town is for you or not. When I receive your e-mail I will forward you all the homes in the areas and price range you are interested in.

If I am not familiar with the area I will introduce you to one of the top agents in that location to assure you receive expert assistance.

If you are interested in Buying a home in New Jersey I will be more than happy to give you the insider's scoop of the State.

Feel free to e-mail or call me. Tell me what you are looking for and I will be more than happy to assist you.

Call Margaret at 973-714-4204 (cell), or 973-300-1982.
write margaret@thehomesalesspot.com.

Also, please feel free to use my subscription to the Neighborhood Scout for your Neighborhood Home Search.

›› What to Know Before You Shop for a Loan

Never give your information to one company that shops your loan to many different banks for you!
Why? When you are shopping for a loan, any more than three inquiries into your credit history will drop your credit rating score.

Many of these companies screw up, and by the time they are done your credit history can receive more than ten inquiries and your score can drop over 200 points. Say from 800, which is perfect, to 600, which is almost the pits. This can take months to fix and you may loose your dream home in the process.

I suggest you call one mortgage lender, find out your score and shop around. They will try to insist they need your social security number upfront. Tell them no and why, they will work with you on your most recent info and wait for your SS# number once you are ready to commit.  Once your are ready to commit to a bank, then give them your information.