New Jersey First Time Home Buyers - Programs and Information

Home ownership is easier that you think...But you have to get started...

"We are extremely happy about the services provided by Cathy, her patience and diligence in making us view houses that suit our needs.
She works smart ...She is simply a great realtor to work with." -Rashmi and Vishwas [New Jersey First Time Home Buyers]

"I just wanted to thank you [Cathy] for your time in helping us find the right homefor our family. We are moving in on thursday and are extremely excited about the house...thanks again." -Ronika and Manish S. [New Jersey First Time Home Buyers]

"I was born in New-Brunswick New Jersey and I am extremely knowledgeable about most cities and neighborhood here in Central Jersey. I can help you find your "perfect home" based on your personal wants and circumstances." Cathy C.

- Comprehensive Home Buying Workshop II -

no cost/no obligation

Thursday 17th of September @ 7:00 PM

As mentioned during our two last events, local down payment programs and grants, concessions, incentives and lending opportunities are there for Middlesex County home buyers who are aware of them.

If you have missed our two last home buying workshops and would like to go over the same information, it is not too late. Register now to set up your very own individual tutorial, at no cost or obligation.

As a New Jersey First Time Home Buyer, the State of New Jersey wants you to buy Real Estate

  • Accumulating the funds for downpayment and closing costs can be difficult
  • The Smart Start Program is here to help first time home buyer just like you!
  • If you qualify, the State of New Jersey will give you up to 4% credit of your mortgage amount at closing toward your down payment

If you are a first time home buyer, I can help you all the way to home ownership...

Are you aware of the American Dream Down Payment Program offered by Middlesex County Department of Housing? Assistance can range from $8,500 to $13,500.

Contact me to see if you qualify with any of those programs, it's easier than you think!!!

"Rates are still low and home choices are still plentiful. This is a great market for first time home buyers in New Jersey and I can lead you all the way to home ownership. However you still have to make the first step and contact me. So what are you waiting for...let me help YOU..." -Cathy C.

*Except very rare circumstances

Get the facts about New Jersey Real Estate
  • The Housing Affordability Index is at record high
  • There is still enough inventory to choose from
  • Stop paying rent, start building home equity
  • Two words: Tax Saving !
  • First Time Home Buyers programs are available now in New Jersey
  • Feel the pride of home ownership
  • Interest rates are historically at their lowest but they will move back up
  • Invest in your future
  • You could be building your own wealth instead of your landlords
  • Need more reasons? Call me...

Common First Time Home Buyers Mistakes (that you don’t have to make):

1. Not asking enough questions of their lender and end up missing out on the best deal.
2. Not acting quickly enough to make a decision and someone else buys the house.
3. Not finding the right agent who’s willing to help them through the complete home buying process.
4. Not doing enough to make their offer look appealing to a seller.
5. Not thinking about resale value before they buy.

Why should I buy, instead of rent (Information source: US Department of Housing and Urban Development)?

  • Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are.

Middlesex County Real Estate Market Commentary

Middlesex County Real Estate Statistics *

December 2012

2100 Active Homes Inventory

290 New Homes on Sale

$277,500 Median Sold Price.

* Source: Middlesex County Multi Listings System (MLS) YTD. Calculated on Thursday 12/13/2012

More Middlesex County Market Commentary and monthly statistics...

The following articles are a good place to start as you are making your way to New Jersey Home Ownership:

First Time Home Buyer: What a Realtor® Can Do for You

What is a Mortgage?

How to Choose a Home?
New Jersey Home Ownership Benefits

"It is my first house and as a first time buyer I had a
lot of questions. She [Cathy] answered all my queries. She also gave me a lot
of good advice ...She has also helped me a lot after the closing of
the house."
- Sunil J. [New Jersey First Time Home Buyer / Woodbridge].