100% Financing in Gloucester County, NJ

There are 100% financing options available in this current market. 100% financing is available to many buyers, not just first time buyers. And the rates are great, often the same rate as a conventional or FHA mortgages, sometimes even lower.

There are additional benefits to this 100% financing loan, including the option to have the seller pay some or even all of your closing costs. In a typical purchase transaction, one that is negotiated and structured by a good Realtor and mortgage professional, you will end up needing little money when all is said and done.

Some Things to Expect

There are some items that you will have to pay for upfront, and these typically include: An appraisal (@$350), a deposit when you come to terms regarding a purchase price on a home (@$500-$3,000+), a pest inspection (@$55), and a home inspection (@$300-$400) if you choose to have one. So estimate to need at least $900 of your own money to start.

If negotiated and structured well, you can actually go to settlement and get most or all of your money back. It isn't magic - you just need to work with well experienced professionals. If you are looking to buy a home in the South Jersey area and/or Gloucester County, feel free to contact Steve Kappre by e-mail, phone, or text.

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

100% Financing in West Deptford, Thorofare, and Verga, NJ

There are 100% financing options available in this current market. 100% financing is available to everyone, not just first time buyers. And the rates are great, often the same rate as a conventional or FHA mortgages, sometimes even lower.

There are additional benefits to this 100% financing loan, including the option to have the seller pay some or even all of your closing costs. In a typical purchase transaction, one that is negotiated and structured by a good Realtor and mortgage professional, you will end up needing little money when all is said and done.

Some Things to Expect

There are some items that you will have to pay for upfront, and these typically include: An appraisal (@$350), a deposit when you come to terms regarding a purchase price on a home (@$500-$3,000+), a pest inspection (@$55), and a home inspection (@$300-$400) if you choose to have one. So estimate to need at least $900 of your own money to start.

If negotiated and structured well, you can actually go to settlement and get most or all of your money back. It isn't magic - you just need to work with well experienced professionals. If you are looking to buy a home in the South Jersey area, West Deptford, Thorofare, Verga, NJ, Parke West, The Grande at Kings, to get into the Riverwinds neighborhood, or the surrounding area feel free to contact Steve Kappre by e-mail, phone, or text.

 

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

100% Financing in Paulsboro, Billingsport, NJ

There are 100% financing options available in this current market. 100% financing is available to everyone, not just first time buyers. And the rates are great, often the same rate as a conventional or FHA mortgages, sometimes even lower.

There are additional benefits to this 100% financing loan, including the option to have the seller pay some or even all of your closing costs. In a typical purchase transaction, one that is negotiated and structured by a good Realtor and mortgage professional, you will end up needing little money when all is said and done.

Some Things to Expect

There are some items that you will have to pay for upfront, and these typically include: An appraisal (@$350), a deposit when you come to terms regarding a purchase price on a home (@$500-$3,000+), a pest inspection (@$55), and a home inspection (@$300-$400) if you choose to have one. So estimate to need at least $900 of your own money to start.

If structured well and there are no surprises, you can actually go to settlement and get most or all of your money back. It isn't magic - you just need to work with well experienced professionals. If you are looking to buy a home in the South Jersey area of Paulsboro or Billingsport, NJ, feel free to contact Steve Kappre by e-mail, phone, or text.

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

100% Financing in Gibbstown, NJ

There are 100% financing options available in this current market. 100% financing is available to everyone, not just first time buyers. And the rates are great, often the same rate as a conventional or FHA mortgages, sometimes even lower.

There are additional benefits to this 100% financing loan, including the option to have the seller pay some or even all of your closing costs. In a typical purchase transaction, one that is negotiated and structured by a good Realtor and mortgage professional, you will end up needing little money when all is said and done.

Some Things to Expect

There are some items that you will have to pay for upfront, and these typically include: An appraisal (@$350), a deposit when you come to terms regarding a purchase price on a home (@$500-$3,000+), a pest inspection (@$55), and a home inspection (@$300-$400) if you choose to have one. So estimate to need at least $900 of your own money to start.

If structured well and there are no surprises, you can actually go to settlement and get most or all of your money back. It isn't magic - you just need to work with well experienced professionals. If you are looking to buy a home in the South Jersey area of Gibbstown, feel free to contact Steve Kappre by e-mail, phone, or text.

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

100% Financing in East Greenwich, Mickleton, Clarksboro, and Mount Royal, NJ

There are 100% financing options available in this current market. 100% financing is available to everyone, not just first time buyers. And the rates are great, often the same rate as a conventional or FHA mortgages, sometimes even lower.

There are additional benefits to this 100% financing loan, including the option to have the seller pay some or even all of your closing costs. In a typical purchase transaction, one that is negotiated and structured by a good Realtor and mortgage professional, you will end up needing little money when all is said and done.

Some Things to Expect

There are some items that you will have to pay for upfront, and these typically include: An appraisal (@$350), a deposit when you come to terms regarding a purchase price on a home (@$500-$3,000+), a pest inspection (@$55), and a home inspection (@$300-$400) if you choose to have one. So estimate to need at least $900 of your own money to start.

If structured well and there are no surprises, you can actually go to settlement and get most or all of your money back. It isn't magic - you just need to work with well experienced professionals. If you are looking to buy a home in the South Jersey area of East Greenwich, Mickleton, Clarksboro, or Mount Royal, NJ, feel free to contact Steve Kappre by e-mail, phone, or text.

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

Great info from my friend Sheldon! That's one NICE check to cash!!

Here are some great resources for first time home buyers located in New Jersey. These mortgages, grants, and other programs cover varying areas including; All of New Jersey, South Jersey, or specific county programs like Gloucester, Camden, Salem, or Burlington County, NJ.

There is also an in depth section regarding credit scoring and credit restoration/repair. If you would like more information feel free to contact us by e-mail, phone, or text. (See below or look in the right column).

NJ FIRST TIME HOME BUYER MORTGAGE PROGRAMS

• NJ First Time Home Buyer Grant Program
• Tax Credit Loan Program: The "Prefund" Program
• $8000 Tax Credit Information for First-Time Home Buyers
• First Time Buyer Options in South Jersey
• 100% Financing in Williamstown, NJ (Or many other places in South Jersey)
• NJ First-Time Home Buyer Mortgages and Grants

CREDIT SCORING RESOURCE

• Credit Scoring - What Makes Up My Credit Score? (1 of 6)
• Credit Scoring - Payment History (2 of 6)
• Credit Scoring - Balances (3 of 6)
• Credit Scoring - History (4 of 6)
• Credit Scoring - Mix of Accounts (5 of 6)
• Credit Scoring - Inquiries (6 of 6) 
• Why I'm Stressing Over Someone Else's Credit

OTHER RESOURCES

• Energy Efficient Credits and Helpful Energy Links
• Non-Occupant Co-Borrowers....How Knowing the Rules Can Help You Obtain a Home Now!!!

 

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

New Jersey First Time Home Buyer Mortgage rates have changed.  The new rates are more familiar to us that have been in the NJ mortgage market for a while. First-Time Buyer rates were uncharacteristically much higher for the last several months, but have come down to where they actually make sense again for buyers. 

Important Note: A first-time buyer is considered someone who hasn't owned a home in the last three years.  So if that is you, then you can take advantage of this grant program. Grants are available from 2-4% of the purchase price, so for a $200,000 home your grant will be from $4,000 - $8,000, depending on which option you choose.

These first-time buyer loans can be up to 100% financing, and are 30-year fixed loans. These loans have income limitations, but have very high limits considering.

First Time Home Buyer 30 Year Term

5.750% - First Mortgage with no grant assistance

6.125% - First Mortgage with 2% grant assistance

6.250% - First Mortgage with 3% grant assistance

6.500% - First Mortgage with 4% grant assistance

The 40 year team requires an additional add-on of .125%

Also Available:

Tax Credit "Prefund" Mortgage Program

Purchase/Rehabilitation Mortgage Program

Live Where You Work Program

Treasury Mortgage is one of two servicers in the state of New Jersey to handle these first-time buyer grant programs. If you are considering this type of program, why not start with the end in mind? We will service this loan from day one, which also gives us more flexability regarding your loan.

 

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Steve Kappre is a Mortgage Planner and lends in all 50 states, locally serving South Jersey’s Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com

You may be considering some upgrades to your home this year. If possible, why not try and make your upgrades "pay you"? The government is offering credits for up to 30% of the cost, up to $1,500. For items such as solar energy systems, you can receive a 30% credit with no limit. Our government cares about being "Green" and so wants you to purchase energy efficient items for your home; Items such as AC units, storm doors, windows, a new roof, water heaters, and more.

You also may be wondering if now would be the best time to upgrade, since you can capitalize on the tax credits offered through the latest stimulus package. Certainly purchasing the right product to qualify for this credit is very important. This will help you assess how to obtain the credit, or to help you decide if it is worth spending your extra hard earned money on more efficient models.

The Energy Star website has a wealth of information. Be sure to check it out.

Find more information at the websites below.

Energy Star main website: Energy Star Website

Energy Star Tax Credit Site: Energy Star Tax Credit Info

Energy Star FAQ's: Click Here

How the New Stimulus Bill Has effected Energy Tax Credits: Click Here

Products: Click Here

AC Unit Qualifications: Click Here

 

Steve Kappre is a Certified Mortgage Planner serving all 50 states, focusing in South Jersey: Burlington, Gloucester, Camden, and Salem County. Steve specializes in;

• All areas concerning First-Time Home Buyer Mortgages, grants, down payment assistance, police and fire loans, rehab loans, and more.

• Reverse Mortgages

• Equity Management strategies for high-end homes and high net worth individuals.

Contact Steve Kappre directly at 856-419-3561 or at www.stevekappre.com