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Why Buyers Choose The Moretti Team
Welcome > For Buyers > Why Buyers Choose The Moretti Team ...

Buying a Home Requires Many Difficult Decisions. Make Sure Your real estate agents are Top Local Experts. 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As top South Plainfield, Edison, Piscataway, Somerset and Raritan area real estate agents, here is how we will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the South Plainfield, Edison, Piscataway, Somerset and Raritan market, even listings not yet on the MLS, through our professional New Jersey real estate affiliations. 

- Our expert local knowledge of the South Plainfield, Edison, Piscataway, Somerset and Raritan area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. South Plainfield, Edison, Piscataway, Somerset and Raritan is no different! It's our job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? We help home buyers make decisions like this every day, and we'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. We will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and a member or my team or I will view every home that you are interested in, together. And prior to closing we will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. We will give you the full benefit of our real estate knowledge and experience. 

Let us represent your best interests in your search for a new home in the South Plainfield, Edison, Piscataway, Somerset and Raritan area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Ask us any question about buying a home in South Plainfield, Edison, Piscataway, Somerset and Raritan. It's our job to help you! There's no obligation, and we promise to respond quickly... 

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School Reports in South Plainfield, Edison, Piscataway, Somerset and Raritan, New Jersey
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Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Real Estate Trivia
Q 
What is considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?

A 
Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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The Moretti Team, REALTOR®, real estate agent and broker for South Plainfield, Edison, Piscataway, Somerset and Raritan, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

The Moretti Team
Moretti Realty

225 Maple Ave
South Plainfield, NJ 07080
908-755-5300
Fax: 908-755-9867
guymoretti@NUMBER1EXPERT.com


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