Buyers

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.

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.

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 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.

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!

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.

Home Buyer Articles

Real Estate Is Voted Best Investment Again

  For twelve years straight, real estate has been voted the best long-term investment in an annual Gallup poll. So, if you’re debating between renting or buying, remember, that it's more than just a roof over your head. A home is an asset that usually [...]

Selling Smart: Why a Real Estate Agent Makes All the Difference

  If you’re considering selling your house on your own as a “For Sale by Owner” (FSBO), you want to think about if it’s really worth the extra stress. Going this route means shouldering a lot of responsibilities by yourself – and, if you’re not an expert, [...]

How Owning a Home Builds Your Wealth over Time

How Owning a Home Builds Your Wealth over Time If you’re trying to decide if buying a home is worth it, consider the long-term benefits. Homeownership pays off in the long run as you gain equity. If you want to learn more, let’s connect. Don't [...]

Homeowners Have Tremendous Equity Chart

Thinking of selling but feeling stuck with today’s mortgage rates? Here’s something to consider: your home equity could be the solution. So, how can equity help? Depending on how much you have you could: - Buy your next home in cash. - Make a larger [...]

Hunterdon County’s Real Estate Market Conditions for June of 2024

Utilizing my extensive knowledge of Hunterdon County, this Market Report explores the current dynamics of our local real estate market. Through my monthly updates, I navigate the economic climate and trends that impact our community’s property landscape. This report goes beyond conventional data, offering hyper-local [...]

Somerset County’s Real Estate Market Conditions for June of 2024

Utilizing my extensive knowledge of Somerset County, this Market Report explores the current dynamics of our local real estate market. Through my monthly updates, I navigate the economic climate and trends that impact our community’s property landscape. This report goes beyond conventional data, offering hyper-local [...]

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