Buyers2021-05-03T13:31:50-04:00

BUYERS SERVICES

Let Joe Peters help you with exactly what you need.
Check out the various list of services we offer to Buyers.

Fishbowl - First time Home Buyer

Personal Consultation

Receive an up-front consultation for me to understand your specific real estate requirements, so that I can start helping you to achieve those goals and dreams.

Daily Listings

Based on what we decide to do in the personal consultation step, start receiving daily suggested listings based on your specific housing requirements and in the areas that you are interested in.

Professional Guidance

Maintain constant communication and guidance through the entire process of buying, including my local expertise about both listings and local areas and their attractions.

Customer Service

Available seven days a week from 8 AM to 9 PM and I guaranteed to return calls promptly

Refining Your Search

As we visit listings, continuously work to further update your search to include/eliminate housing styles, features, and areas to better match your requirements so that you are only receiving listings that are a close match to your specific needs each morning.

Your Timing

Based on your timeline we will move forward and visit listings you select to narrow down the properties from what is available to select the few that match your requirements.

ABOUT JOE PETERS

I’m Joe Peters, a twenty-plus-year real estate agent with Coldwell Banker Residential Brokerage. I work with people that want to buy a home or sell a home in Hunterdon or Somerset County, NJ.

Meet Joe
Six Simple Steps To Your Success

THE BUYING PROCESS

Find out what you can expect when you call Joseph “Joe” Peters of Coldwell Banker with your Buying needs.

1.  GET STARTED


At our an initial meeting, I will help you discover your needs and wants for a new home.  I will combine my knowledge of real estate, marketing, and local area with the specific needs of you and your family.

2. DISCOVER


Now is the time I do my homework, discovering which areas would best suit your needs and making inquiries to houses in the established budget which will result in a list of houses to visit.

3. SELECTION


Together, we review the house choices combined with approval and pre-approved financial options and begin to narrow down your search.

4. MAKE AN OFFER


As your real estate agent, I help you make an offer to buy the home that you select. I will then go on to represent you throughout the buying process utilizing my in-depth negotiation skills.

5. FINANCING


Financial options and protecting your investment are an important aspect of home-buying. Once the purchase process begins, I will guide you in the best practices to maintain the value of your home and financial options.

6. PURCHASE


You are now the proud new owner of your own house! Whether this is just a stop along your life’s journey or an investment to hand down to your children, congratulations on your purchase!*

BUYERS RESOURCES

Joe Peters has compiled news, articles, guides and more to get you into your next house!

Fishbowl Circle - First time Home Buyer

First Time Buyers

Every Coldwell Banker home comes with a new mortgage so you can buy it. As long as you’re a qualified buyer, our affiliate, CB Financial Services has secure mortgage money readily available at near historic low rates. We will supply a mortgage specialist from CB Financial to help you. According to a recent independent study* assessing the credit standards of the nation’s lenders, CB Financial Services ranks among the most reliable.

First Time Buyers
First time home buyer floor plans

Home Purchasing Steps

Buying a home can seem like a frightening prospect. Whether it’s your first home or your fifth, so much is at stake: savings, credit rating, and financial freedom. It is difficult to find the courage to sign on the dotted line even if you want that home quite badly. See the Seven Steps for Home Buying Success.

Home Purchasing Steps
Home Buyers - For Sale Sign

Home Buying Mistakes

Learn about 8 common mistakes many people make when buying their new home…plus a few extra bonus tips, direct from Joe Peters.

Home Buying Mistakes
Senior couple selling their home

FREE Buyers Guide PDF!

Download the ultimate guide to buying your new home! The Home Buyers Guide is packed with useful analytics and tips from the industry’s leading experts!  Fill out the form to the right and we’ll get the guide right out to you!

Home Buyers Guide

Buyers FAQs

How can I check my credit rating before I apply for a mortgage?2020-09-09T12:45:52-04:00

Your credit rating is based on a combined score generated from three credit bureaus that look at your credit history, amount of credit available, and recent inquiries to determine what’s called your FICO score. A smart way to go is to have your Coldwell Banker Associate (or other mortgage professional) check your rating for you and, if appropriate, suggest ways for you to improve your credit.

How many homes should I plan to view and how should I make the final decision?2020-09-09T12:45:38-04:00

Generally you should view a number of homes so you can become familiar with what you can expect to get for your money. When you find a home you really like, it’s a good idea to go back and look at it at a different time of day. This will give you greater insight into what it will be like living in the home full time.

What happens if the house I want to purchase does not appraise at the amount expected?2020-09-09T12:46:09-04:00

If the house doesn’t appraise at the amount expected, other alternatives are typically found. In some situations, a second appraisal may be sought, the buyer may be willing to put more money down, the seller may adjust the price or offer other concessions, or the two sides may negotiate to split the difference between them.

What is the purpose of an attorney review?2020-09-09T12:46:23-04:00

In our area of New Jersey, the real estate agent writes the contract and there is  an attorney review period. This specified period allows the attorney to cancel the contract or request it be altered. Both buyer and seller would then have to agree to the revised contract in writing. In the initial days of the attorney review cycle, either party may void the contract without penalty.

What is title insurance and why do I need it?2020-09-09T12:46:40-04:00

Basically, title insurance assures that you have clear title to the home you’re purchasing. A title search is the primary component of “due diligence,” a process that will be started either by your attorney or by the title company you choose. The title search determines whether the seller actually owns the property and if there are any claims against it.

Why should I consider paying points?2020-09-09T12:46:55-04:00

Buyers often choose to pay a one-time charge called mortgage “points” in exchange for a lower interest rate. Usually paid at closing, each “point” costs 1% of the mortgage amount, or $2,000 on a $200,000 loan. The lower rate reduces the monthly mortgage payment, and points paid in conjunction with the purchase of a home are generally tax-deductible in the year they’re paid (see tax advisor). Monthly savings will often exceed what was paid in points in just a few years’ time.

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Home Buyer Articles

The Truth About Today’s Buyer Demand

When it comes to the latest news in real estate, there are a lot of sensational headlines in the media. In times like this, when it can be hard to know what to believe, put your trust in the experts. Those of us in the housing market [...]

Fact or Fiction: Homebuyer Edition [INFOGRAPHIC]

Some Highlights When it comes to the current housing market, there are multiple misconceptions – from what the current supply of available homes looks like to how much houses are selling for. It takes professionals who study expert opinions and data to truly understand the real estate market and separate fact from [...]

Home Price Appreciation Is Skyrocketing in 2021. What About 2022?

One of the major story lines over the last year is how well the residential real estate market performed. One key metric in the spotlight is home price appreciation. According to the latest indices, home prices are skyrocketing this year. Here are the latest percentages [...]

Understand Your Options To Avoid Foreclosure

Even though experts agree there’s no chance of a large-scale foreclosure crisis, there are a number of homeowners who may be coming face-to-face with foreclosure as a possibility. And while the overall percentage of homeowners at risk is decreasing with time (see graph below), that’s little comfort [...]

Reasons You Should Consider Selling This Fall

If you’re trying to decide when to sell your house, there may not be a better time to list than right now. The ultimate sellers’ market we’re in today won’t last forever. If you’re thinking of making a move, here are four reasons to put your house up [...]

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