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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

First Time Home Buyer?

We bet you have many questions and may be intimidated by the whole process. As top Marlboro, Manalapan, Freehold, Old Bridge and the surrounding area experts, it is our job to guide you, from begining to end.

We will take time to go through each and every step of the buying process. There are no dumb questions!

Together we will consider:

How much can you really afford?

How to qualify for a mortgage.

How much cash you should put down.

How to buy a home with little or nothing down.

What it takes to get approved for financing. What banks and other financial institutions are looking for

How much your payments will be.

The tax advantages of buying

Is renting or buying better for you?

Tell us about your needs and we will be happy to help you in any way we can. There is no obligation so you have nothing to lose and everything to gain!

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Holmdel, Colts Neck, Marlboro and Manalapan real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

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Q	What is the world's longest frontier?
A	At 3,987 kilometers (3,987 miles), the border between Canada and the U.S. is the longest in the world.
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Florence and Steven Cataneo, REALTOR®, real estate agent and broker for Holmdel, Colts Neck, Marlboro and Manalapan, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Steve and Florence Cataneo
Century 21 Cataneo & Associates
33 West Main Street
Holmdel, NJ 07733
Office: 732-444-6555
Steve's Cell: 732-492-7108
Florence's Cell: 917-907-3641
Fax: 732-792-2580
General: florencecataneo@NUMBER1EXPERT.com
Florence: Flo@cataneoandassociates.com
Steve: cataneohomes@aol.com
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