The road to homeownership doesn't have to be scary. You just need the right professionals by your side to help you along the way.
If you've never owned a home and you're thinking now might be a good time for you to buy, the first thing many people will do is go online and find a mortgage calculator to determine how much "home" they can afford. While that may be a good starting point, there are many things to consider. For example, property taxes can vary greatly from state to state, and even town to town. If you live in New Jersey like me, property taxes will play a large part when it comes time to consider where you will buy, and how much you can afford. Another major factor in understanding how much you can afford is the mortgage interest rate. Just a half of a percent (0.5%) can increase your monthly payment significantly! In recent years, the mortgage rates have been at historic lows, but that road has taken a turn and rates are on the rise. Mortgage rates are still currently quite low at around 4.2%, but that number is projected to climb and can be close to 5% by the end the year.
"Tracey Lutsky is a genuine, caring, ambitious, assertive, dedicated and determined realtor. During a three-year long attempt to sell our home via short sale, after our infant son passed away, Tracey went to great lengths - truly above and beyond- to list, promote, show and sell our home through the
difficult and slow short sale process. Tracey even went as far as to plant flowers in the front yard to make it show ready. Tracey was in touch via email, phone and text, sometimes several times a day, and at least several times each week. Tracey always had "Plan B" and oftentimes "Plan C," just in case the offer we had fell through. She knew how important it was to us to sell our home and she stood alongside us to ensure the offer we had for nearly one year finally went through to closing. Tracey Lutsky is resourceful, thorough and unforgettable. We are so grateful God placed her in our path when we needed a reliable, hard-working and successful realtor.