All agents are NOT alike! I have had over $45,000,000 in sales since 2009. WORK WITH A PROFESSIONAL. Call me: 732-614-1429 cell.

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"WE RECEIVED A CONTRACT IN 27 DAYS"
"BETTY HAS A GREAT MARKETING PLAN"
PAT, FREEHOLD, NJ.
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Betty Laboska is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Manalapan, Jackson and Freehold New Jersey home buying, real estate listings, and homes for sale in Monmouth, Ocean and Middlesex County, NJ

Welcome > For Buyers > First Time Homebuyers ...

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

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Manalapan, Jackson and Freehold real estate expert, it's my job to guide you, from beginning to end.

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

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

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Foreclosures >4. Foreclosure Alternatives

There are several alternatives for a homeowner to consider when foreclosure is looming. Before proceeding, a homeowner must first choose whether or not he or she wants to keep his or her home.

If a homeowner wants to keep their home:

Repayment plan: The homeowner establishes a payment schedule with the lender to pay the delinquent amount.

Special forbearance plan: The homeowner requests a temporary reduction or payment suspension that will be increased after a set specific period of to repay the delinquent amount.

Modifying the mortgage: The homeowner can refinance the debt and/or extend the term of the loan.

HUD partial claim: If the homeowner has a loan insured by the Federal Housing Administration the lender can get a one time payment from the FHA-Insurance Fund to get the mortgage payments up to date.

Refinance: The homeowner can negotiate a new loan with a different interest rate in order to make smaller payments.

All options listed are subject to approval of the lender.

If a homeowner does not want to keep their home:

Sell the house: Depending on the situation, the homeowner may be able to sell the house for more than is owed to the lender.

Assumption: The homeowner turns over possession of the house to another person who then assumes the responsibility of the payments.

Short sale: The lender and the homeowner come to an agreement to sell the home at a loss in order to get the homeowner out.

Pre-foreclosure sale: The homeowner can sell the home and use the proceeds to settle the mortgage debt, even if the proceeds are less than the amount owed.

Deed in Lieu of Foreclosure: The homeowner surrenders the property to the lender without further damage to his or her credit.

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Q	What is the average price for a home in the United States?
A	According to recent data published by the NAR, the national median price for existing single-family homes is now $230,000.
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Betty Laboska, REALTORŽ, real estate agent and broker for Manalapan, Jackson and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Betty Laboska
RE/MAX Prestige
3352 Route 9 South
Freehold, NJ 07728
12 Spencer Drive
Cell: 732-614-1429
Office: 732-462-0030
Home Office: 732-833-4290
Fax: 866-482-9290
7326141429: 7326141429
Email: bettylaboska@NUMBER1EXPERT.com
Personal: bc21lab@yahoo.com
bc21lab@yahoo.com: bc21lab@yahoo.com
bc21lab@yahoo.com: bc21lab@yahoo.com
bc21lab@yahoo.com: bc21lab@yahoo.com
Hi. I am Betty Laboska from RE/MAX Prestige. Thanks for stopping by. I am a very successful Realtor who specializes in selling homes in Monmouth and Ocean Counties. I have had over $100,000,000 in sales since 2003. I had my best year in 2009 with over $18,000,000 in sales. I believe that I stand out among other real estate agents because of my dedication to my clients. I have been told that I possess qualities of honesty and integrity, which, unfortunately, seem to be rare in this industry. My client's are my NUMBER ONE priority. I can be reached by phone from 8 o'clock in the morning until 10 o'clock at night. I have decided to devote this portion of my life to two things.....selling Real Estate and spending time with my grandchildren Mackey and Logan. Once you get to know me, you'll understand why my clients are so comfortable with me. My motto is providing "Service with the Golden Touch." and I strive to do just that every day. If you're looking for someone to help you buy or sell a house, you have come to the right place. Just get comfortable, have a seat and feel free to browse through my site. If you have questions about any properties, whether they are listed with me or not, don't hesitate to call me. I will be here to provide you with the service that you need and deserve. Work with me because "I GET RESULTS."

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