Call or email me when you can, I would love to help you out! I have been a realtor for over 15 years and hold the highest ranking Real Estate award in New Jersey and all of Century21 offices from New Jersey to Delaware. We have a team of professional agents that are always available. We are in constant contact with mortgage companies and banks as well! I hope to hear from you soon!
John D. Clidy
Century 21 Rauh & Johns
508 Hurffville-Crosskeys Rd.
Sewell, NJ 08080
#1 Selling Agent in NJ (2007-08,10)
Top 25 Selling Agent in the U.S.A. (2007-10)
Platinum Circle of Excellence Winner (2007-08,10)
He works the way I do - highly professional and responsive. You will be in very good hands.
Incidentally, you are doing exactly the right "first step" and that is ensuring that you are ready to make a purchase and if not, you will understand what you need to do to get there.
Here to be helpful!
Looking good! How about this, contact me and I will connect you with a good mortgage person from Bank of America who will review your qualifications with you and discuss exactly what you can afford. Rates have been better than most! A response below notes some negative feedback.. that is fine, but that is what happens when you don't pay your mortgage. period.
I can say from looking at the information above, you would be in a good position to become a homeowner!
Once you have been assured of your position, we can look at properties, there are some great buys out there right now and you are smart to look into homeownership at this time in the world.
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Broker / Manager
Orange Key Realty
I also might suggest a local lender, a savings and loan or maybe your employer has a credit union, one that knows the market, knows your employer and will listen to you about your moving, job history etc. With 30% down you should be able to get it. Good Luck
Don't mean to be a party pooper (I only see rosy answers below), but fact is, you will have to satisfactorily explain the gap in employment-especially if you switched industries and your current job has no relation to your college degree.
To the best of my knowledge, with 30% down and 800 credit scores (and plenty of reserves in your retirement account), it should work just fine. I'm a realtor, not a lender, so I'm not 100% sure about your brief employment industry at your current job and job changes, but I would say they should be only incidental factors to credit score and downpayment.,
Keith R. (848) 667-6622
How's everything going? If you like you can call Rick Pristas at Superior Mortgage. He is a great mortgage loan officer. His number is 732-600-6181. He will let you know how much you prequal for. Then feel free to reach out to me, and I will send you over some listings to help you get started. Thanks.
Peter G. Apicella
Prudential Zack Shore Properties
520 Washington Blvd.
Sea Girt, NJ 08750