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Let Me Help You Buy (or Sell) a Home
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 | Welcome to your source for South Jersey Homes in Voorhees, NJ as well as Burlington/Camden/Gloucester Counties & surrounding SJ area Real Estate! On March 6, 2008 HUD announced new maximum loan caps of $420,000 in Camden, Burlington & Gloucester County single family homes. In today's competitive real estate market, location, pricing and condition are everything. Interest rates are in the 5% range, which makes homes extremely affordable. |
Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction. Just e-mail me your request & Stay ahead of the local Voorhees & surrounding Burlington/Camden/Gloucester County Area market with my New Listings Notification. If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation. In addition, if you have any general questions about buying or selling real estate in New Jersey, please contact me as I'm more than willing to provide you with the information that you need in order to make an informed decision. Please browse my website for listings, reports and important local real estate information.
Sincerely,
Joan Baines
Re/Max Connection
609-413-3641 mobile phone
E-Mail: JoanBaines@Remax.net |
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What are Joan Baines' Realtor qualifications?
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Joan Baines: Your Realtor for Life!President of Sales & Marketing Council of BLSJ 1998; Member of NJAR Communications Committee 2006 & 2007; Member of BCCAR RPAC Committee 2006 - 2008 - Broker Sales Person for 32 Years - Your sales agent for life!
- 10 yrs. New Homes & 22 yrs. Residential Resale Background
- Seller's Agent, Buyer's Agent, Dual Agent
- Relocation representative
- Notary Public
- Serving Camden, Burlington & Gloucester Counties
- E Certified, checking emails 1st in a.m. & last in p.m.
- New home specialist
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New Credit Scoring Formula 1/2/08
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Read the latest regarding First Time Buyer Credit at: www.federalhousingtaxcredit.com/. Federal Housing Administration (FHA) requires a higher down payment percentage.FHA, Fannie Mae and Freddie Mac mortgage loan limits dropped as of January 1, 2009.
The Fannie Mae (FNMA) and Freddie Mac (FHLMC) loan level price adjusters relating to credit score and LTV went into effect 1/2/08. Here is the breakdown:
FICO < 620 and LTV < 70% +1.00 pts
FICO < 620 and LTV > 70% +2.00 pts FICO 620 – 639 & LTV > 70% +1.75 pts
FICO 640 – 659 & LTV > 70% +1.25 pts FICO 660 – 679 & LTV > 70% +.75 pts So, if a borrower’s FICO is 680 and above, or if the LTV is 70% and below, there is no add-on. Someone with a 650 FICO will pay 1.25 points above someone with a 680 FICO score. For more information on credit scoring visit: http://credit.donyell.net/fica.htm |
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