What Property Is Included in the Sale of a Home? James H. Graff 732.500.6883

When selling your home, what items are legally included or excluded from the sale?      https://JGraff.AdvisorsMortgage.com  (My audiobooks are coming soon to Audible.com...Please stay tuned! eBooks available now-please,see below...)    In the simplest terms, home fixtures are included. If it's nailed down it comes with the house. A fixture refers to anything permanently attached or fixed to the property.

Items not permanently attached are considered personal property. Personal property is excluded from the sale because it can easily be removed without damaging the property.

Items considered fixtures would be things like chandeliers, ceiling fans, built-in bookcases, and built-in appliances. Window treatments such as blinds and attached curtains or drapes also generally stay with the home. Water softeners and security systems are also included but if they are being rented this should be disclosed by the seller.

If you want to exclude any fixtures, it's best to remove or replace them prior to putting your home on the market. If you don't specifically include them in the contract, they'll be automatically included in the sale.

https://958.prequalifyme.today for no SS#/hassle/obligation help 

FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com 

FREE Guides: 

Home Buying-https://bit.ly/33UTW2K 

Home Selling-https://bit.ly/3mTvLuv 

FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  

PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: 

https://bit.ly/2HH6cwi 732-500-6883 

https://JGraff.AdvisorsMortgage.com/contact 

https://facebook.com/nmls1974758

FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators

***MY FREE (Downloadable, pdf) books:

"A Step-by-Step Guide to Financing Homes"

(call me for a printed copy: 732.500.6883)

"Best Selling Options in a Divorce":

https://james-graff.book.live/divorce-book

"My Secret Wealth of Information for Any Seller":

https://james-graff.book.live/biz-card-book

"Home Buyers Guide - Everything You Need to Know About Buying a Home":

https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag:

     "HOME LOANS NEWS": 

https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1   

   

And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!

     "I wrote the book on home loans...;o)" - James H. Graff

FREE  "beta/test" copy of my new 70+ page, pdf Ebook 

     "HOME LOANS: 

          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" 

FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4

HOME LOANS James Graff   NMLS# 1974758 

Advisors Mortgage Group, L.L.C.   NMLS# 33041

39 Main Street, Holmdel, N.J. 07733

In 30+ states of The United States of America:

AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV

Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac...

#fixtures #homefixtures #sellingyourhome #1sttimehomebuying #1sttimehomebuyer #property #mortgages

#mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

Do You Know Your Mortgage Rate? By Decade? - James H. Graff 732.500.6883

One third of Americans don't. If you fall into that group you might not know what you are missing out on. Home mortgage rates by decade: 70s-8.86% 80s-12.70% 90s-8.12% 00s-6.29% 10s-4.09% Today's rates provide a unique opportunity to get more bang for your buck when you move. Low rates allow you to purchase more home for your money which can keep your monthly payment lower. These rates won't last forever. Let's connect to explore your options together. https://JGraff.AdvisorsMortgage.com https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE (Downloadable, pdf) books: "A Step-by-Step Guide to Financing Homes" (call me for a printed copy: 732.500.6883) "Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book "My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book "Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgagerates #mortgageratesbydecade #interestrates #historicrates #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

Understanding the Latest Data on Home Appreciation

Home values have been rapidly appreciating. And while appreciation is expected to continue, recent data suggests that the pace of appreciation may begin to slow. This is actually healthy for the markets, although you can count on the media to turn this into fear mongering.

Let's remember that positive appreciation means home values will continue to rise. A slower rate of appreciation does not mean that home prices will drop. It simply means that they will rise at a more modest pace. This can be a good thing for affordability and a very good thing for homeowners who should continue to see equity growing in their home.

If you’re thinking of purchasing a home, don’t let the media scare you out of a wonderful opportunity to build wealth through real estate. Reach out to me today and let’s get started.

James H. Graff

732.500.6883

https://JGraff.AdvisorsMortgage.com

Facebook.com/nmls# 1974758

#housingmarket #priceappreciation #homeprices #equity #affordability #media #fearmongering #buildwealth #realestate #realtor #opportunity #data #markets

Things That Turn Off Potential Buyers - James H. Graff 732.500.6883

When you're living in your home it's easy to overlook certain things because you see them everyday but when you're getting ready to sell your home it's important to look at things through the eyes of potential buyers and to make sure you're addressing anything that might turn them off. Here are some of the most common things that make buyers eliminate a home:

 

Odors from food pets and smoking

 

Bright or weird colored walls

 

Messy bathrooms

 

Dimly lit rooms

 

Outdated appliances

 

Dirty dishes or cluttered kitchen countertops

 

Old wallpaper

 

Bugs or evidence of rodents

 

A damp basement

 

An unkept yard or untrimmed shrubs

 

Sellers that hang around during showings

 

Ready, willing and able buyers are sometimes hard to find, so the last thing you want to have happen when a buyer finds your home is for them to be scared away by something that should have been addressed beforehand.

 

Always eager to help,

 

James Graff

732.500.6883

Https://JGraff.AdvisorsMortgage.com 

 #sellyourhome #showingyourhome #1sttimehomebuyer #sellingrealestate #homebuying #homeselling #mortgage #loan

Is Housing Slowing?

Are you thinking about purchasing a home, but media headlines have you wondering if we’re headed for the next housing bubble? https://JGraff.AdvisorsMortgage.com 732.500.6883 The media often looks at the reports to create the most eye-catching headlines, even if they don’t tell the real story.

For example, the Mortgage Bankers Association released their mortgage application data showing that mortgage applications to purchase a home fell 5% last week.

They assume the reason for this is a slowing housing market. Meanwhile, homes have appreciated by 14% over the last year due to more demand than available supply. This underscores the strength in the housing market.

The likely reasons for the drop in mortgage applications are because inventory is very low and because there is a significant increase in cash buyers. These cash buyers are not reflected in the mortgage application data because they do not need a mortgage.

It appears that the housing market is still on solid footing, but each individual situation is different. I have tools and resources that can help you make more informed decisions.

Contact me today to get started…

James H. Graff

732.500.6883

https://JGraff.AdvisorsMortgage.com

#homebuying #homebuyer #housingmarket #housingmarket2021 #houseshopping #househunting #homeappreciation #mortgagebankersassociation #inventory #demand

#realtor #data #media #help #housing #loan #loans #realestate #mortgages #mortgage

Typical Closing Costs for Buyers HOME LOANS James Graff 732-500-6883 Fac...

Typical Closing Costs for Buyers - James H. Graff - 732.500.6883 https://JGraff.AdvisorsMortgage.com - Closing costs are fees buyers often pay related to the purchase of a home. Typical closing costs include things like: Mortgage Origination Fees or Loan Discount Points paid to a lender. Fees for any required survey, appraisal or inspection. An escrow deposit for Property Taxes, Private Mortgage Insurance (PMI) and Homeowners Insurance (HOI) A fee your lender may charge to run your Credit Report. A Title Search fee and a fee for Title Insurance. A Recording Fee payed to your city or county for them to record the new Land Records. Prorated Mortgage Interest (not "insurance") from the date of closing to your 1st mortgage payment. Closing costs can vary, so be sure to ask your lender for specifics. By law, lenders are required to provide a "Good Faith Estimate" of what closing costs will be within 3 days of when you apply for a loan... PLEASE NOTE: The "Good Faith Estimate" has been replaced by newer laws that now require an initial Loan Estimate (LE) and a final Closing Disclosure (CD). #closingcosts #buyingahome #buyingahouse #buyrealestate #buyahome #buyahouse #buyinghomes #creditreport #mrtgageoriginationfee #titlesearch #titleinsurance #mortgaeinsurance #escrow #escrowservices #survy #appraisal #homeinspection #recordingfee #homeownersinsurance #goodfaith #discountpoints #privatemortgageinsurance #HOI #PMI #closingdiscosure #loanestimate #mortgage #loans #mortgages #mortgagebroker #loan #insurance #realestate #property #finance https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag: "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1 And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE! "I wrote the book on home loans...;o)" - James H. Graff FREE "beta/test" copy of my new 70+ page, pdf Ebook "HOME LOANS: LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying, selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff NMLS# 1974758 Advisors Mortgage Group, L.L.C. NMLS# 33041 2899 Highway 35 North Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor #realestateagent #agent #mortgagecalculator

How to Choose the Right Lender

How to Choose the Right Lender     

https://JGraff.AdvisorsMortgage.com

Choose your lender carefully. Look for financial stability and a reputation for customer satisfaction.

 

Be sure to choose a company that gives helpful advice and that makes you feel comfortable. 

 

A lender that has the authority to approve and process your loan locally is preferable since it'll be easier for you to monitor the status of your application and ask questions.

 

It's also beneficial when the lender knows home values and conditions in the local area. 

 

Do your research and ask family friends or your realtor.

About the Fair Credit Reporting Act & Your Rights

About the Fair Credit Reporting Act (Get in touch, for mortgage help or rate quotes: https:JGraff.AdvisorsMortgage.com) Your credit history is an important factor that's taken into consideration when you apply for a mortgage. So making sure the information in your credit report is accurate is essential. Here is a summary of your rights under the fair credit reporting act: You must be told if information in your file has been used against you to deny your application for credit. You have the right to know what is in your file. You have the right to ask for your credit score. You have the right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. In most cases a consumer reporting agency may not report negative information that is more than 7 years old or bankruptcies that are more than 10 years old. You must give your consent for reports to be provided to employers. Identity theft victims and active duty military personnel have additional rights. For more information visit https://www.ftc.gov/credit #faircreditreportingact #credit #creditscore #creditrepair #creditreport #credittips #mortgage #mortgages #loan #loans #identitytheft #identitytheftprevention #activeduty #creditconsultant #creditrights

About the Fair Credit Reporting Act & Your Rights

About the Fair Credit Reporting Act (Get in touch, for mortgage help or rate quotes: https:JGraff.AdvisorsMortgage.com) Your credit history is an important factor that's taken into consideration when you apply for a mortgage. So making sure the information in your credit report is accurate is essential. Here is a summary of your rights under the fair credit reporting act:

You must be told if information in your file has been used against you to deny your application for credit.

You have the right to know what is in your file. You have the right to ask for your credit score.

You have the right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

In most cases a consumer reporting agency may not report negative information that is more than 7 years old or bankruptcies that are more than 10 years old.

You must give your consent for reports to be provided to employers.

Identity theft victims and active duty military personnel have additional rights.

For more information visit

www.ftc.gov/credit

#faircreditreportingact #credit #creditscore #creditrepair #creditreport #credittips #mortgage #mortgages #loan #loans #identitytheft #identitytheftprevention #activeduty #creditconsultant #creditrights