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All agents are NOT alike! Find out why we are top real estate experts. Call us: Steven's cell 732-492-7108 or Florence's Cell 917-907-3641.

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Flo and Steve not only handled each and every situation professionally and competently...
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First Time Home Buyers
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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Real Estate Tips
Real Estate Contracts >Selling Before Buying

Timing can sometimes be difficult if you have to sell a home before you can buy another one. Most people need the equity from the sale of their first home for the down payment on the new house. If your present home goes on the market first, you may be concerned that it will sell before you find the one you want to buy. On the other hand, if you find the perfect home before your present home is under contract, the sellers may be reluctant to accept your offer, and you may be too nervous to sign a contract.

It is a good idea to sit down with a good real estate agent for some professional advice before you begin your search. It will probably be necessary to be flexible on the closing date, because it can be easier to find a home that you want to buy than to sell your present home. After finding the house you want, you can ask the lender about arranging a short-term bridge loan that can make the purchase possible before you sell your current residence.

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Real Estate Trivia
Q 
Where are church services held in the water each Sunday during July and August?

A 
At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes.
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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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