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Kim Thomas
"Your Camden & Gloucester County Realtor"
- 7 Helpful Answers
- 43 Answers
- 1 Blog post
Experience:
Broker-Associate for Realty Executives
February 2009—present
I started my real estate career 5 years ago with RE/MAX. I've recently been promoted to…
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I started my real estate career 5 years ago with RE/MAX. I've recently been promoted to…
Specialties:
I've helped many families re-locate from other parts of the country to South Jersey, including Camden, Burlington and Gloucester counties. I've helped
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Certifications
& Awards:
& Awards:
Each year that I was with RE/MAX I won either the Executive or 100% Club Award. I've received numerous "Superior Performer" and Bronze awards with the
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Interests:
I love real estate, gardening, the theater, movies, dance, music, and reading
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About:
I've made a commitment to serve the real estate needs of Camden & Gloucester County, NJ - one family and one home at a time. My real estate knowledge and
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Testimonials:
"My wife and I decided to list our home Spring, 2007, and re-hired Kim to be our listing agent. We had first employed her 2 years earlier (as our buyer
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Kim Thomas answered:
Hi Blue...,
I see that you're in the Blackwood area. In addition to the (up to) $8,000 tax credit which is a national program for any 1st-time homebuyer (or any buyer who hasn't owned for the past 3 years); the NJHMFA has a few 1st-time buyer and other buyer programs for those who qualify. There is a "pre-fund" bridge loan available of up to $5k which allows you to use up to $5,000 of the aforementioned tax credit BEFORE you close on the home! There are restrictions, such as you have to use it for closing costs, not downpayment, but they also have a program called Smart Start which is a grant of up to 4% of the cost of the home which can be used as a downpayment! If you're in an FHA loan product, requiring a minimum 3.5% down, you can see how your costs are covered with combining these programs. The Smart Start program has to be used in a Smart Growth area.
I'm not a loan officer so you should consult with one for the full details, restrictions and recapture components of this and any other programs available. I can think of a couple of other no-money money down loans (but there are always some kind of funding fees -so be aware that no money down doesn't necessarily mean no money out of your pocket).
For direct information on the NJHMFA visit their website: http://www.state.nj.us/dca/hmfa/
Or you may look me up on Trulia and give me a ring for more details!
Best wishes with your home purchase!
Kim Thomas
Realty Executives, Brown & Pope
856-308-5989 http://www.KimThomasHomes.com
I see that you're in the Blackwood area. In addition to the (up to) $8,000 tax credit which is a national program for any 1st-time homebuyer (or any buyer who hasn't owned for the past 3 years); the NJHMFA has a few 1st-time buyer and other buyer programs for those who qualify. There is a "pre-fund" bridge loan available of up to $5k which allows you to use up to $5,000 of the aforementioned tax credit BEFORE you close on the home! There are restrictions, such as you have to use it for closing costs, not downpayment, but they also have a program called Smart Start which is a grant of up to 4% of the cost of the home which can be used as a downpayment! If you're in an FHA loan product, requiring a minimum 3.5% down, you can see how your costs are covered with combining these programs. The Smart Start program has to be used in a Smart Growth area.
I'm not a loan officer so you should consult with one for the full details, restrictions and recapture components of this and any other programs available. I can think of a couple of other no-money money down loans (but there are always some kind of funding fees -so be aware that no money down doesn't necessarily mean no money out of your pocket).
For direct information on the NJHMFA visit their website: http://www.state.nj.us/dca/hmfa/
Or you may look me up on Trulia and give me a ring for more details!
Best wishes with your home purchase!
Kim Thomas
Realty Executives, Brown & Pope
856-308-5989 http://www.KimThomasHomes.com
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