{"id":20,"date":"2019-04-02T02:36:18","date_gmt":"2019-04-02T02:36:18","guid":{"rendered":"https:\/\/allnjrealestate.com\/index.php\/faq\/"},"modified":"2022-10-05T20:13:56","modified_gmt":"2022-10-05T20:13:56","slug":"faq","status":"publish","type":"page","link":"https:\/\/allnjrealestate.com\/index.php\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style>\n<h2>FAQ<\/h2>\n<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);-ms-flex-negative:0;flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:-webkit-box;display:-ms-flexbox;display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon 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.elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-container>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow,0)}<\/style>\n<h6>FAQ<\/h6>\n<h2>Frequently Asked Questions<\/h2>\n<h5>Am I Ready to Be a Homeowner?<\/h5>\n<ol>\n<li>\u00a0You have enough money for a down payment.<\/li>\n<li>You&#8217;re prepared to take care of a come.<\/li>\n<li>You&#8217;re sick and tired of throwing money away on rent.<\/li>\n<li>You&#8217;re ready to stay in one place for a substantial amount of time.<\/li>\n<li>You have good credit.<\/li>\n<\/ol>\n<h5>Is Renting or Buying Better?<\/h5>\n<p>Taking the leap from renting to owning is an important milestone in many people&#8217;s lives.\u00a0 Not only does it signify that your financial affairs are in order, but you&#8217;re finally ready to settle down.\u00a0 While owning a home comes with benefits, there are still several drawbacks to consider, including the fact that homeowners are now strapped with one very big financial responsibilility .\u00a0 Despite these financial obligations, many homeowners will tell you that there&#8217;s nothing quite like owning your own home<\/p>\n<h5>What Is the Lender&#8217;s Formula?<\/h5>\n<p>\u00a0Loan to Value (LTV) is calculated simple by taking the loan amount and dividing it by the value of the asset or collateral being borrowed against.\u00a0 In the case of a mortgage, this would be the mortgage amount divided by the property&#8217;s value.<\/p>\n<h5>What Do I Look for in Homes?<\/h5>\n<p>Proin gravida nibh vel velit auctor aliquet. Aenean sollicitudin, lorem quis bibendum auctor, nisi elit consequat ipsum, nec sagittis sem nibh id elit. Duis sed odio sit amet nibh vulputate cursus.<\/p>\n<h5>Do I Need a Home Warranty?<\/h5>\n<p>A Home Warranty is a service contract that helps protect homeowners against the cost of unexpected covered repairs of their major systems and appliances that break down due to normal wear and tear.<\/p>\n<p>A home warrant is to protect against expensive, unforeseen repair bills and provides peace of mind<\/p>\n<h5>What Should I Expect at Closing?<\/h5>\n<p>Be prepared for a long meeting!\u00a0 Depending on the documents needed, closing can take up to 2 hours.\u00a0<\/p>\n<p>At closing, the seller will sign documents that transfer the property ownership to you.\u00a0 You\u2019ll have quite a bit of paperwork to sign.\u00a0 You\u2019ll also have to hand over funds for your down payment and closing costs. \u00a0<\/p>\n<p>When it\u2019s all done, you\u2019ll receive the house keys and be the owner of your new home.<\/p>\n<h5>What Is Pre-approval?<\/h5>\n<p>Mortgage preapproval is the process of determining how much money you can borrow to buy a home.\u00a0 To preapprove you, lenders look at your income, assets and credit score and determine what loans you could be approved for, how much you can borrow and what your interest rate might be.<\/p>\n<h5>What Should I Offer?<\/h5>\n<p>Proin gravida nibh vel velit auctor aliquet. Aenean sollicitudin, lorem quis bibendum auctor, nisi elit consequat ipsum, nec sagittis sem nibh id elit. Duis sed odio sit amet nibh vulputate cursus.<\/p>\n<h5>Can I Ask You for Advice?<\/h5>\n<p>Buying or selling a home is a huge decision and one that merits real research and a trusted agent.<\/p>\n<p>Whether this is your first time buying a home or purchasing a second home or vacation home or selling a home our agents do this every day so they can walk you through the process.\u00a0 They provide the most accurate numbers and talk through what they mean.\u00a0 And, most importantly, offer real-world insight and advice based on years of local market experience.\u00a0 That level of knowledge will leave you 100% confident in your decision to buy.<\/p>\n<p>\u00a0<\/p>\n<link rel=\"stylesheet\" href=\"https:\/\/allnjrealestate.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\n<ul>\n<li>\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:1-844-473-5565\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<h2>Together Let&#8217;s Find You The Place You Deserve<\/h2>\n<p>844-I SELL NJ<\/p>\n<p>844-473-5565<\/p>\n<p>maryellen@allnjrealestate.com<\/p>\n<p>\t\t\t<a href=\"tel:%201-844-473-5565\" role=\"button\"><br \/>\n\t\t\t\t\t\tContact Us<br \/>\n\t\t\t\t\t<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>FAQ FAQ Frequently Asked Questions Am I Ready to Be a Homeowner? \u00a0You have enough money for a down payment. You&#8217;re prepared to take care of a come. You&#8217;re sick and tired of throwing money away on rent. You&#8217;re ready to stay in one place for a substantial amount of time. You have good credit. &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/allnjrealestate.com\/index.php\/faq\/\"> <span class=\"screen-reader-text\">FAQ<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"class_list":["post-20","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/pages\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":63,"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/pages\/20\/revisions"}],"predecessor-version":[{"id":877,"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/pages\/20\/revisions\/877"}],"wp:attachment":[{"href":"https:\/\/allnjrealestate.com\/index.php\/wp-json\/wp\/v2\/media?parent=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}