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Month: August 2016

5 Interesting NJ Events Happening In September 2016

New Jersey’s annual calendar is lined up with a chock full of exciting events from wine tastings to food festivals and musical concerts to cultural fairs. This September, it will be no different. Check out these five NJ events that are scheduled to happen in the Garden State:

West Cape May Tomato Festival 

On September 3, the attention will shift to southern New Jersey with the celebration of tomatoes at the West Cape May Tomato Festival that will host a range of tomato dishes including the empanadas and the tomato pies to excite your taste buds. There will be numerous stalls and vendors exhibiting the exotic variety of Jersey tomato. You can have fun throughout the day shopping and tasting the delicacies along with your friends and family.

Ashbury Park Oysterfest

Held over a 3-day period starting September 9, the Ashbury Park Oysterfest is a one-of-a-kind oyster festival that will take place at the iconic Carousel building in the Ashbury Park. Featuring live music and culinary delights, this signature event is one of the flagship festivals of Monmouth County that will give you an ultimate dose of oyster dishes and other festival foods.  More than 75 crafters and vendors will put their best pieces on display and you can enjoy the musical performances with exemplary wine and beer tastings.

Fine Art and Crafts Festival

The Anderson Park in Essex County will be graced with a fine collection of art and craft work on the weekend, September 17 and 18. The main feature of the Fine Art Festival will be the presence of more than 150 professional crafters, artists and photographers from all across the nation, with vendors putting their hand-crafted work on display sale.  Entry is totally free of cost and you can shop for various fine arts, handcrafted jewelries, pottery, leather, glass, and fiber products.

Boardwalk Bunk-Down

Want to experience the thrill of camping on the boardwalk? Enjoy the weekend at the Morey’s Piers this 24th and 25th of September in Wildwood for an exciting camping experience that will take you on fun rides and amusements. You can enjoy the delicious smores and hot cocoa at the campsite after a breathtaking session of fun activities. What’s more, you can grab a bag of popcorn and enjoy watching a movie on the big screen. Experience the fun of spending a night inside a tent as you enjoy a cup of hot coffee with your friends and family. There’s also a complimentary breakfast provided on Sunday morning.

Downtown Toms River Farmers Market

Downtown Toms River is ready to host a farmers market on September 28 that will exhibit the finest quality of produce from local farmers.  The market will feature both organic farmers and local vendors who’ll display a wide assortment of native herbs, vegetables and fruits. Homemade items such as hot sauces, sandwiches, crabs, cakes, candies and olive oils will also be put on sale. You can shop for these locally grown fresh produces at extremely reasonable prices!

With so many exciting events on offer, it’s no surprise that many people opt to stay in this state and many more are going on a property hunt in New Jersey. If you are one of the property seekers, feel free to call us at 201.568.5668 or send an email to Josh@NJLux.com today!

What You Need To Know About NJ Property Taxes

For most of us in New Jersey, buying a home is one of the greatest expenses of our lives. Therefore, understanding the nuances involved with NJ property taxes will insure that you maintain and keep this most treasured investment without falling into financial arrears.

How do Property Taxes Work?

Property taxes are a type of tax which is levied on property you own. This can include land as well as residential and commercial buildings. These taxes are used to pay for things such as utilities, fire service, roads, schools, and police departments. While some dislike the idea of paying property taxes on top of the mortgage cost, these taxes are actually used to raise the standards of living for all the residents living in the area.

Those planning to buy a home in New Jersey should bear in mind that although the property taxes here are some of the highest in the continental U.S., there are attractive homes and buildings here that can be acquired for reasonable prices. The standard rate for property taxes in this state is about $8,000 per property. Because property taxes may differ substantially from one area to another, even within the same state, it is important to factor these figures into your budget.

What First-Time NJ Home Buyers Need To Know about Property Taxes

Those buying a home for the very first time in New Jersey will need to do their homework. You will first want to speak with a reputable NJ realtor that knows the locality very well, but you should also find out the average property tax rate for the specific area of New Jersey where you intend to purchase property. Combining this knowledge with the assessment property value as well as the appraised value after improvements will give you a solid idea of what you will pay.

Generally, the property taxes you will pay in New Jersey are determined by the yearly budget for the town or city where you will live along with the sales tax for that area, which will be divided by the aid which is given by the state. All properties purchased here have base values. When a property owner makes their property more valuable, their property taxes will be lower. However, when property values decline then the property taxes will increase correspondingly.

Choosing Your NJ Location Carefully

The property taxes for certain regions of New Jersey are significantly higher than others. Areas with the lowest property taxes include Walpack Township and Camden City, while Milburn Township and Loch Arbour Village have some of the highest.

Young couples with children will want to choose an area which has good public or private schools, while those who are retired, divorced or widowed may want to choose an area with entertainment options that suit their lifestyles.

Of course, there is a lot of information to consider when buying your first home, but selecting an area which best matches your needs and desires is the perfect way to insure that your money was well spent on your property taxes.

NJ Attractions For Your Family Days Out

New Jersey has a number of attractions which are perfect for families. This makes the Garden State a popular destination for families that are looking to relocate and couples that intend on having children in the future. Below are the top NJ attractions this beautiful state has to offer:

Cape May Zoo

Children love animals, and one of the best places to see a wide range of animal species is the zoo. The Cape Zoo is based in Cape May Court House, and is a non-profit institution. This means that admission is free of charge, and the family can spend time not only viewing the 600 species that live onsite, but have fun learning about them.

Ponderosa Park

Families looking to get off the couch and away from the computer and television screen would do well to visit a park. Ponderosa Park is located in Scotch Plains, New Jersey and is the ideal place to catch a breath of fresh air. This park has trails, fountains and even a field for sporting events just in case you decide to bring along sports equipment.

New Jersey State Museum

Many people that live in New Jersey know little about tis history, particularly those who were not born or raised in the state. The New Jersey State Museum is located in the state capitol, and it is the perfect place for those who are looking to learn about the history of New Jersey, both after the American Revolution and during pre-Colombian times. It also has a planetarium that will keep your children entertained.

Splash Zone Water Park

Families that enjoy being in and around water won’t go wrong with the Splash Zone Water Park. Located in Wildwood, NJ, families can play in the lazy river or move down the water slides. A wonderful restaurant called The Zone Grill is located nearby to fill your stomach with great tasting food when you’ve had time to dry off.

The Bridgeton Hall of Fame Sports Museum

Many families in New Jersey love sports, and one of the best places to learn about the history of sports within this state is The Bridgeton Hall of Fame Sports Museum. This museum contains a tone of pictures, equipment, trophies and memorabilia which highlights the many sports accomplishments of teams and players through the state’s history.

The Friends of Howell Living History Farm

Have you ever wondered what it was like to live during the 1800s? The Friends of Howell Living History Farm is a unique place in New Jersey where you can find out! Located in Lambertville, the facility is situated in a rural area where you will see animals such as horses, sheep, chickens and pigs. The farm also has events such as harvests, hayrides and other celebrations. This farm is the closest you’ll get to a time machine.

Reeves Reed Arboretum

Located in Summit, NJ, this arboretum is a wonderful place for families to get in touch with nature. Here you can find trails for hiking, stunning scenery and waterfalls. There are also some breathtaking sculptures to explore for those who are into art.

If you love to live in a state that has many family-friendly attractions, New Jersey will not disappoint. For those who are not NJ residents yet, why not go on a NJ property search and find yourself the perfect home?

Common Mistakes Made By First-Time House Buyers

When you consider the fact that buying a home is the single largest expenses that most people will incur during their lifetime, the consequences of making a mistake during the purchase process can be absolutely disastrous. Therefore, it is imperative for first-time house buyers to understand how to avoid amateur house buying mistakes and turn the tide in your advantage.

Failure to Consider the Hidden Costs

When buying a home, it is almost a certainty that you will pay more than the advertised selling price. Additional closing costs that are often neglected are home inspection fees, taxes, costs for repairs, purchasing new furniture, the cost of moving your belongings into the new house, and etc. These costs can quickly and dramatically drive up the total cost of the purchase, and would-be homeowners who haven’t factored them into the equation may find themselves underwater.

Selecting an Inexperienced Realtor

When purchasing a home, a realtor can either be your greatest asset or your worst liability. The outcome depends on the individual you choose. Unfortunately, too many first time homebuyers focus on the fees that a realtor charges as opposed to their experience and track record. A good realtor will always have your interests in mind, and will think about more than just getting a quick sale.

Not Performing a Home Inspection

It typically costs tens of thousands just to place a down payment on a home, after which you may make monthly payments for as long as thirty years. Do you really want to spend that kind of money without taking the time to thoroughly inspect the property? A professional inspector should be hired for this task, and if they report that the home has structural problems or other issues, the asking price should be lowered by the seller or you should walk away from the deal. Being sold a lemon when buying a car is bad, having the same thing happen when buying a house is cataclysmic.

Failure to Remain within Your Budget

Unless you’re extraordinarily wealthy, it would be wise to establish a budget before buying your house. As stated previously, there are a bunch of hidden costs associated with homeownership, and all these things must be factored into the equation. Once you’ve done this, it is important to stick to it.

Forgetting about Property Taxes

Even if you can afford to buy a house, you may not be able to afford the property taxes which are levied on it. Homeowners in many parts of the U.S. are expected to pay property taxes. These taxes should be taken very seriously, as you are expected to pay them even after your mortgage has been paid off and if you don’t, the property can be foreclosed. The property taxes for one local area can differ significantly from another, even within the same state, so this should be an area of intense research on your part.

All in all, buying a home is a serious process, and homeowners should not be impatient or emotional during the process. If you want to avoid common mistakes made by first-time home buyers, work with us today and let us help you get it right the first time round!

Improving Your Credit Score To Land A Bigger Mortgage For Your House

Your credit score will play a pivotal role in your personal finances, especially when you decide to purchase a home. Understanding this score and how to improve it to the point where you can get a significant mortgage on the house you intend to buy is essential.

What is a Credit Score?

A credit score is a grading system which ranges from 300 to 850. It is a measure of your credit worthiness, and in a debt based society, will determine whether lenders will provide you loans, and at which types of interest rates. Things which influence your credit score include your credit-to-debt ratio, payment history, how long you’ve had credit, how much of credit you are applying for, and the types of credit you carry. When we talk about credit, this includes car loans, student loans, credit cards, personal lines of credit and more.

To get a FHA loan for a house, your credit score will need to be a minimum of 580. However, many real estate experts suggest increasing your score to at least 640 before attempting to obtain a mortgage. One reason for this is due to the cautious lenders that you might be approaching. Also, having a higher credit score will help you attract mortgages from different lenders, all vying for your attention. Remember, your goal when getting a mortgage is to obtain the best interest rates possible, so the higher your credit score, the better it will be.

How to Raise Your Credit Score

In simple terms, raising your credit score is straightforward – all you need to do is acquire credit and use it properly. People who have terrible credit are often undisciplined spendthrifts that don’t know how to manage their money properly or make their payments on time; before long they wind up deep in debt and behind on payments, which will cause their credit score to plummet. If your credit score falls into the 300 to 400 range, many mainstream lenders will refuse to provide you credit, forcing you to rely on high interest payday loans or other forms of undesirable loan types.

However, do note that your credit score can be repaired. Those with bad credit can opt for a secured credit card, which will provide you with the same abilities as an unsecured credit card except you’ll have to make a deposit up front before you can begin using it. Deposits typically range from a few hundred to a few thousand dollars, and this will be your limit. They are similar to debit cards, except they influence your score.

Also, your credit card utilization rate should be no more than 30 percent, and is defined as the amount you owe on the card compared to the limit. Your goal is to use the credit card regularly while keeping the amount you owe on it no more than 30 percent of the limit. For instance, if the limit on your credit card is $10,000 then you should owe no more than $3,000, as this is 30% of $10,000. Continue doing this and within six months to five years and your credit score will increase, allowing you to qualify for a bigger mortgage with an attractive interest rate.

If you are interested to know more about how to get a bigger mortgage, you can also discuss this with the realtor you are using. In most cases, your realtor will have pertinent advice that suits you specific situations.

Neighborhood Guide: Alpine, NJ

Alpine, NJ is an exclusive neighborhood with its ancient palisades, afternoon coffee breaks, serene atmosphere, and charming people. It is one of the best places to live in New Jersey, given its proximity to major cities of the state. It’s an expensive zip code though, so being able to reside here will be better termed as a privilege. Here’s a quick neighborhood guide to get you familiar with Alpine, NJ:

Living in Alpine, NJ

As a small borough in Bergen County, Alpine is just 15 miles away from Midtown Manhattan, which is ideal for those who want to be near bustling city life while being able to retreat in exclusive privacy at home. There is an efficient local transport system here so the locals actually prefer taking the public transit whenever they do not feel like driving.

Alpine is great for families with kids, because of the number of good schools in the surrounding regions and a large percentage of neighbors who are college educated. The residents in Alpine are also known to be affluent, and there is a high home ownership rate of single-family properties here. Well, also given the fact that the crime rate in this borough is among the lowest in the state, its status as a family-friendly location isn’t going to change in the near future. However, if you are looking for a neighborhood that has lots of entertainment options, then Alpine might not be your cup of tea.

Dining Spots

Kiku Alpine

Here, you can find a traditional selection of Japanese food and a sushi bar prepared by theatrical chefs on tableside grills, combined with outstanding service is all you need to make your day count in this NJ neighborhood. You can also come for drinks here after a hectic day.

State Line Lookout Cafe

Have a refreshing morning snack before you plan to go on the hiking trail at the State Line Lookout. The cafeteria serves fresh breakfast meals, and is equally good for having lunch after an exhausting morning of walking trails. The staff members are quite welcoming and very friendly, and they are just as good in giving trail advice as they are in serving an appetizing meal.

Points of Interest

Devil’s Tower in Rio Vista

The Devil’s Tower is a famous haunted stone clock tower in the upscale neighborhood of Rio Vista. It was designed by Charles Rollinson Lamb for Manuel Rionda’s wife to enjoy expansive views of the New York City from the Hudson River side of New Jersey. A story has circulated over the years that Rionda’s wife committed suicide by jumping off the tower, after she found out that her husband was cheating on her. Most people visit this spot to see what haunts this place!

Alpine Boat Basin

Located in the Palisades Interstate Park running along Hudson River and the summit of New Jersey Palisades, the Alpine Boat Basin is a pubic marina and a popular picnic location. The area is often a key spot for kayaking, fishing, and hiking trails. The historic Blackledge-Kearney House is also located here while the 1934 open-air stone Alpine Pavilion is available on rent.

State Line Lookout

Want to feel the palisades with a breathtaking view from the sky? Visit the State Line Lookout for a picturesque look over the Palisades at the highest point on the cliffs, at a whopping elevation of 527 feet from the sea level. The area provides over 5 miles of cross-country ski trails and one of the best hiking trails you can experience in the New Jersey Palisades.

As you can see, Alpine isn’t the kind of town you will expect to have loud parties or late nights out at the high street. If you enjoy a rustic setting with a peaceful atmosphere where your lavish house is located, then Alpine is a match in heaven for you and your family. Check out the latest Alpine listings!

Remodeling Your Kitchen To Boost Your Home Value

Many realtors will tell you that you cannot really add value to your home, unless your kitchen space makes a visual appeal at the very first glance.  It’s a common misconception that remodeling a kitchen is quite an expensive endeavor. Well, depending upon how long you plan to stay in the house, you can tailor the budget for a kitchen remodel. Here are a few simple ways you can employ to modify your kitchen without going hard on your pocket and yet give a boost to your home value:

Update the Cabinet Hardware

You have no idea how much of a difference does a cabinet hardware make in adding to the appearance of your kitchen. There is a wide assortment of resources available online to find the perfect pull, knob and handle to match your kitchen style. A new set of hardware can make vintage cabinets look modern and inexpensive pieces closer to something more eye-catching. Pulls and knobs can be bought for as little as a dollar, but make sure not to compromise with the quality just to save a few bucks.

Add Backsplash Tiles

Whether your dream kitchen layout is modern and sleek or rustic and cozy, adding backsplashes can upgrade your cooking space, making it a center of attraction at a budget price. Not only do they add visual appeal, but also complement the interior designing of your house, thus amplifying the value of your property.  You can opt for inexpensive basic tiles for the walls and pair it beautifully with classy decorative tiles covering the region above the stove. The polished finish will give you a sophisticated feel of an accent wall that goes well with the steel cookware. Energy-efficient pendant lightings can also be a great choice to perk up the mood.

Install Under Cabinet Lighting

The classic cabinets with simple designs can be further enhanced with sufficient lighting fixtures underneath to add vibrant glow to the countertop and make the kitchen tasks easier under dim lights. Combine this with modern mosaic tiles and stainless steel hardware to get a counter emitting bright accent colors which add ambiance to the entire setup. Size up your needs as per the location of cabinets and you can also add a color-changing design to fit a variety of mood. Such lighting fixtures are low-maintenance which does not only save money on electricity bills, but also make your kitchen appear as a well-furnished space.

Use Hanging Pot Racks

A well-organized kitchen has a set of cookware properly aligned for easy access and stylish appearance. You can opt for either a wooden rack or the one with a metallic finish; whichever suits the requirement. Hanging racks can be easily placed above the stove or counter space without any cabinets. Pans and pots can be hanged from wires and the used cookware can be kept on flat top surface. Not only does it save you the extra labor of digging through the cabinets, but also add a touch of sophistication to the setup.

All in all, a beautiful kitchen renovation can significantly hike the value of your home, since people searching for a good property always look for a modern and well-maintained kitchen, apart from having great curb appeal and being situated in a good locality. Of course, there are other parts of the home potential buyers will look at, but it’s a given that the kitchen is one of the foremost considerations!

Is It Time To Go For A Bigger House?

Are you looking for a luxury home in an elite neighborhood with all the stunning features to lead a quality life with your family? But have you thought about if you are prepared enough for such a trade-up? Here are a few things to consider before you think about buying a bigger house:

Think About Financial Feasibility

A bigger house that comes with more rooms and a bigger yard ultimately implies a bigger investment. The maintenance required for such houses is also on the higher side and you may have to set aside some funds for house maintenance. But as a matter of fact, investing in a big house with a proper budget plan will give you huge returns over the long run. It’s better than buying multiple small houses in odd locations that doesn’t suit your standards of living. All in all, going for a bigger house is a good idea, especially if you have figured out your finances.

Getting the Mortgage for a Bigger House

If you are looking to get a mortgage for a bigger house, you’ll have to consider the strength of your credit since the time you purchased your current house.  Your assets, liabilities, debts and income will be scrutinized by the lender in order to ensure that you don’t surpass the maximum limit of debt-to-income ratio. If your credit score is not ideal, it might be pushing the limits if you still decide to go for a larger house.

Selling Your Current House

If you are the owner of your current property without any liens or mortgage, or you have enough bankroll to buy a bigger house irrespective of the fact whether your current house provides you sufficient profits, then there’s not much to think about. For those who depend on the sale of their current home in order to figure out if the upgrade is possible, you can only hope to make enough from the house sale transaction to cover the upfront costs necessary to put your arms across the new property.

Consider the Costs of Living

Utility bills can be a scary thing when it comes to considering a bigger house for daily living. And then there are tax obligations that we should not forget about. But if you look at the brighter side, there’s not much competition in trading up, and now is a wonderful time to grab a big property which may not be affordable to you in the future. You are not just buying a bigger house, but a valuable mortgage; the cost of which is only going to touch the sky in the future.

Elevating Your Social Status

Living in a bigger house adds a lot of meaning to your personal growth and how your friends and family view this progress of yours. Moving into elite neighborhoods is more than just buying a house; you are actually upgrading yourself to a higher social status. This might be helpful for your business or work-related advancement so you do have to consider such factors accordingly. However, it is never good to consider upgrading when you do not have finances in order.

If you think you are ready to make a move to a bigger house, contact us today and let us assist you in making a worthwhile upgrade that ticks all the boxes.

Things To Do In New Jersey Without Breaking The Bank

New Jersey is one of the most happening places in the United States, given the fact that you can have a great time with your friends and family without actually having to burn a hole in your pockets. Check out these free or cheap things to do in New Jersey and you will know why many Americans are flocking to the Garden State to find their homes:

Discover the Nature at the Tenafly Nature Center

Located in the Bergen County in the borough of Tenafly, this 400-acre woodland sits idyllically over the Palisades in north-eastern New Jersey with panoramic views of the Hudson River. Land preservation is the main objective here and the center strives to educate the visitors on the same. The nature center has got to offer 6 miles of hiking trails and several streams to explore. You can spot native wildflowers in the spring season and there is a separate visitor’s center with nature exhibits and live animals you can check out too.

Appreciate the Artworks at the Princeton University Art Museum

With over 92,000 pieces of classic artworks, the world renowned Princeton University’s Art Museum is a historical spot with origins dating back to the 18th century. The museum is open for art display every day of the week, except Mondays and national holidays. The timeless works of art on exhibition in this museum range from antiquity to the contemporary period, with a major collection of Roman and Greek antiquities. The Museum is also recognized for its Asian Art Gallery that includes a wide assortment of paintings, jade carvings, Chinese calligraphy and ancient bronze works.

Visit the Iconic Drumthwacket

You cannot claim that you are living in NJ unless you go on a tour to one of the most iconic mansions located in Princeton. Drumthwacket was registered as a governor’s mansion in 1982 and today, it is open for guided tours on Wednesdays. There are six public rooms on the main floor that was used by the governor to conduct meetings and 12 private rooms upstairs. Apart from that, there’s a royal dining room, solarium, music rooms, library and a parlor to explore. You are also welcome to visit the historic Olden House or make your way through the beautiful gardens.

Explore the Cape May County Park and Zoo

Home to a wide range of exotic wildlife animals, this park and zoo sits on 220 acres of land in the Cape May Court House. With more than 550 animals representing 250 species, the zoo provides free year-round admission from 10 AM to 4:30 PM, except on the day of Christmas. From the snow leopards to giraffes to white tigers, not only will you get to see beautiful creatures, but you can also indulge in the scenic setting of the lush green park.

Family Picnic at the Ponderosa Spray Ground

The Ponderosa Spray Ground is an ideal place to be, on a sultry day in New Jersey. Spread across 23 acres of land, this spot in Scotch Plains incorporates two big playgrounds, walking trails, rock climbing walls, tunnel slides, and a sprinkler park. There are picnic tables spread throughout the parkland and the ambiance is just perfect for people of all ages.

Whether you live in Bergen County or another county in NJ, you will appreciate the many things to do here in the Garden State. If you have yet to move to NJ yet, why not start your property search today with us?

Buying Your First Home in New Jersey?

Buying a home for the very first time can give you a sense of achievement and responsibility towards a brighter future. But you don’t want to mess it up by making some bad decisions in a hurry. There are few things you need to consider before zeroing on the house of your choice so that your investment bring you far more benefits down the road. Here’s what you need to think about:

Find a Reputable Real Estate Agency to Help You

Even before you think of buying your first home in New Jersey, the most important thing that you must consider is availing the services of a reputed real estate agency that has the relevant experience in grabbing the best deals available in the local market. Don’t try to be an expert yourself by saving money on an agent, since that can very well backfire in the long run. Ask for genuine recommendations from your social circle and usually, this works very well since your family or friends have already benefited from the services of that recommended agency.

Be Wise with Your Budget

This is one of the most common things to consider whether you are a first-time home owner or an experienced one. However, the manner in which you estimate your budget can affect your long term survival as the owner of a property. Take a look at the maximum amount you can shell out without getting into any financial knots later on. Mortgage and down payments are just the starting point; you also need to consider other expenses such as property tax, utility bills, home insurance, and maintenance costs. If you are left with enough to meet your living requirements for at least a couple of months after moving to a new home, you are on the right track.

Match the Home to Your Style of Living

Moving to a new home in New Jersey doesn’t mean you need to compromise your usual lifestyle to an extent that doesn’t augur well for your future.  Your hobbies, distance from your workplace, future family size, proximity to your friends and relatives or even your favorite gym are some of the basic lifestyle insights you need to consider when buying your first home. Set your priorities straight and make a list as to which property exactly matches with the kind of lifestyle you are comfortable with. You may not be able to avail each and every amenity you wish for, but you can certainly get closer to the ideal property that ticks all, if not most, of the boxes.

Think about the Possibility of Renovation Costs

It’s easy to get lured into buying a cheap property that demands complete remodeling in order to shape it the way you desire. Thought it’s not a bad choice to buy an unfurnished property that is reasonably priced, you need to make sure that the extent of renovation required does not exceed certain cost limits which can easily get you a well-furnished home. Make those calculations prudently and consider everything from the closing costs to the moving expenses. Perhaps you are going to place a heavy downpayment and going for a complete revamp is only going to weaken you financially, which is not a very smart choice.

If you are looking to move into New Jersey, check out our recent listings and contact us today to help you get your hands on your very first home in style!

Manson in night view

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