The road to home ownership for NJ new homes, begins with a mortgage pre-approval process as the first step to buying your new home. The home buying journey is an exciting time and it’s important to understand the financial process for home financing. Once you know what to expect regarding the financing of a home, then you know your options for the type of mortgage that will work best for you.
You will also want to take time to learn the lingo and understand the settlement process. There are plenty of resources to help you understand terms and the process, and your local lender or relationship bank might also be a great source to find helpful, trustworthy information.
Before you can get pre-approved, you should understand your income and expenses. Begin with a spreadsheet of your current monthly bills and expenses. This spreadsheet will help you figure out what you can actually afford to pay on a monthly basis toward a mortgage. Keep in mind that in addition to the monthly principal and interest, you will also pay into escrow for property taxes, and insurance. This part of the process will prepare you to be in the best situation possible when you enter into the buyer agreement for a NJ new home.
Learn how to calculate your “Debt-to-Income Ratio” or DTI. A DTI compares the monthly amount that you owe to the amount that you earn. This number is a percentage showing your gross monthly income (before taxes) that is applied towards rent, mortgage, credit cards, or other debt payments.
Next before any large purchase, such as a NJ new home, improve your credit debt limit. After a lender checks your total debt ratio, they can suggest ways to improve, if helpful. It is always a great time to start saving for a new home. If possible, pay off any smaller debts you owe such as a car payment that only has a few months left on it. Now is NOT the time to open a new credit card or open a new line of credit.
Lenders will look at everything and use your credit score as a key factor to determine whether or not to approve you. Take time to learn about all of the areas that affect your credit score and the credit approval process. This logic and course of action will not only help you with a new home purchase, but also with so many things moving forward in life too.
Once you have become comfortable with the lingo and know your credit, then work with your lender to learn about loan choices that would be available to you. Determine which type of loan is the most suitable, and complete the process by getting pre-approved for a loan. Because you have done your homework and already know how much money you can borrow, you will know what price range to consider and can move quickly into entering a buyer’s agreement for your NJ new home.
Please see our 2 communities of Kresswood in Voorhees and Menantico Estates in Vineland and reach out to our preferred lender for those communities, Greentree Mortgage, with Eric Reeber’s contact information: Eric Reeber, Director, Green Tree Mortgage: Cell: (856) 261-7256 | Email: email@example.com
Now, as you put a contract on a NJ new home, you can breathe easier knowing what to expect during the mortgage pre-approval process. Visit the Schaeffer Family Homes website to explore interactive floor plans, begin to personalize and design your new home online, and view available plan options. Contact us today at 856-208-5118 or email firstname.lastname@example.org to reserve your new home in NJ today!
When it comes to kitchen designs for new homes in NJ, the possibilities are endless. From cabinets, to flooring to fixtures, you can easily begin to feel overwhelmed as you consider the options. However, before you can even begin to select the colors and finishes, you first need to plan and design a layout for the kitchen. As an overlooked step, a good kitchen design is the foundation you need to efficiently and effortlessly utilize this central home space.
As you work with a professional to formally design a new kitchen space, below are a few tips and ideas to help you create your ideal kitchen layout.
Pro-Tip: If possible, build in an appliance center into your pantry – where you can leave things like your stand mixer and/or food processor set up, plugged in, and ready to use. This way small appliances are not cluttering up counter space and you are not having to haul them in and out of cabinets when you need to use them.
Pro-Tip: Some appliances, like refrigerators, come in counter depth and standard depth. Consider the appliance you have now and what you might purchase in the future. In your design, you will want to accommodate the correct depth of those appliances as well as room leave room to open and close the doors.
Pro–Tip: Don’t let empty spaces go to waste. Some ideas include adding cabinets to the outside of the kitchen island, placing a vertical spice cabinet near the cooking or prep area, and utilizing pull out drawers and pull down shelves to hold everything from pots and pans to cereal boxes and coffee pods.
Act now by September 30th to activate a Luxury Kitchen Coupon with Schaeffer Family Homes.
Whether you Build on your Own Lot (BOYL), or choose a beautiful homesite at either Menantico Estates in Vineland, or Kresswood in Voorhees, this Luxury Kitchen Coupon gives you granite countertops, 42” cabinets with crown molding, undermount stainless steel sink, and $250 toward any luxury kitchen faucet. Contact Schaeffer for all details and more information.
New construction homes in Vineland, NJ at Menantico Estates include ranch style, multi-level and traditional 2-story layouts, with floorplans that range from 1,880-3,100 square feet in both 3 or 4 bedrooms floorplans, starting in the $420s.
Or discover Kresswood, a small community of new homes in Voorhees, NJ, and lies just outside the city of Philadelphia. The four homesites featured in Kresswood have 3-4 bedrooms and range from 1900- 3600 square feet of living space, starting in the low-$700s.
Visit the Schaeffer Family Homes website to explore interactive floor plans and begin to personalize and design your new home online, by exploring all of the available plan options.
Contact us today at 856-208-5118 or email email@example.com to reserve your new home in NJ today!
Schaeffer Family Homes can build your dream new home in Vineland, NJ, exactly how you always imagined. At Menantico Estates, a community of two-acre homesites, with nine different floorplans starting in the $420s, you can choose all of the selections for your new home while still staying within your budget at our well-appointed Design Center
Schaeffer’s design center associates walk you through the process in a simple, productive way. In an effort to make your design center appointment successful, we are offering a few tips below:
The first step in having a successful design center appointment is to be able to make the most of your time. First, you should become familiar with all of the features that are included in your floorplan, as well as know what your budget is to accommodate any upgrades. Review any necessary options with your sales associate prior to your scheduled time in the design center.
It’s also good to know how you will live within the spaces of your new home in Vineland, NJ. Think about your existing routines and habits, what works in your current home, and what are the reasons you have been looking for a new home. Are there any options that would make your daily routines easier or better? Remember to think beyond the usual spaces of the kitchen and bathrooms, and consider what you might enjoy throughout the other spaces such as the living room, laundry area, and other nooks of the home.
The more information you can know going into your appointment, the easier and smoother this process will be from the start.
When it comes to style, colors, hardware, and overall design in your home, the choices can easily become overwhelming if you are not familiar. If you already have a design style, then you are one step ahead. However, be sure to envision how your décor taste will work in your new floor plan. If you are not sure what your style is, then now is the time to learn about colors, materials, and trends that you would like to see in your new home. Search online for inspiration and read articles on the materials that interest you. For example, learn what countertop material is best for you and your family. Find articles that explain the differences in hardwood flooring options. This is not only a great time to explore your style, but also a fun journey to learn more about these options.
Once you are in the know and have an understanding of your style, then compile a list of any and all upgrades you might want to add to your home. Be sure to identify those upgrades as either a “must have” or a “nice to have.” Understand what these options are, what they will cost, and know what the bottom line will be in your final purchase price. At the end of the day, you want to feel great about the choices in your dream home as well as be confident with what you can afford. If you need to, you can always add some upgrades later after you have settled into your new home in Vineland, NJ.
Visit the Schaeffer Family Homes website to explore interactive floor plans and begin to personalize and design your new home online, while exploring all of the available plan options. These new construction homes in Vineland, NJ at Menantico Estates include ranch style, multi-level and traditional 2-story plans, with floorplans that range from 1,880-3,100 square feet and have 3 or 4 bedrooms, 2 or 2.5 baths, and 2-car garages.
Ask about our preferred lender 12-month mortgage rate lock program! See website or ask New Home Specialist for program details. Subject to change at any time.
Let Schaeffer Family Homes build your dream home at Menatico Estates in Vineland, NJ with a process that is simple and easy to follow every step of the way. Find several included features throughout the interior and exterior of the home, plus future energy savings when you build with Schaeffer. Contact us today at 856-208-5118 or email firstname.lastname@example.org to reserve your homesite today!
Make 2021 your year to build on your lot in NJ. Get a fresh start in a brand new home customized just for you!
We can build your new home on a lot you already own, or we can help you find land to build on. If you already own a piece of land, we’ll inspect it to be sure it’s suitable for building one of our available plans. We’ll also let you know what steps you need to take to prepare for building on the property. If you haven’t purchased the land yet, we suggest that you meet with us first so we can guide you in choosing the most appropriate lot for your needs.
Build On Your Lot is available in the counties of Atlantic, parts of Burlington, Camden, Cape May, Cumberland, Gloucester, and Salem in southern New Jersey.
When you build your new home with us, you’ll have more than 20 15 home plans to choose from in a variety of styles and price points. We offer both one and two-story homes, with owner’s suites on the first or second floor. We can build each home on a slab, poured concrete crawl space or full basement foundation. Our floor plans are customizable as well. If you already have a home plan, we’ll look at it and determine whether we can build it for you.
After your home plan is finalized, you’ll meet with one of our Design Center Specialists, Ashley or Christie, at our Design Center in Cherry Hill. There you’ll choose your home’s colors, flooring, kitchen countertops and cabinets, lighting fixtures and more.
Our Legacy Package is included in every home, and we also offer our ever-popular Signature Package as a luxury choice. The Signature package is a luxury selection that includes a full basement, stained oak handrails and balusters on staircases, premium hardwood floors in the foyer, 5 ¼ inch baseboard, 42” kitchen wall cabinets with crown molding, ceramic tile floors in owner’s bath and hall bath and other upgraded luxury features.
Get started today to build your customized brand new home in 2021. Call Schaeffer Family Homes at 856-208-5118 to schedule a free consultation for the new home you want to build on your lot in NJ.
Now is a great time to cash in on the hot market for homes in NJ. If you’re thinking of selling your existing home, there’s no need to wait until spring. Buyers are ready now and the demand is high.
Thanks to a combination of factors including historic low interest rates, there aren’t enough houses on the market to satisfy buyer demand. Sellers can ask for higher prices than in previous years and homes are selling faster.
How can you make the most of this seller’s market?
Selling your existing home now can put you in a great position to build your dream home in 2021. Building a new home allows you to create the home you love in a location that you want.
We can help you do that with our Build On Your Lot program. We can build on a homesite you already own or help you find a piece of land to build in these Southern New Jersey counties: Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, and Salem.
You can choose from more than 15 home designs ranging from 1,034 to 4,308 square feet. We offer one and two story homes and can build on poured concrete crawl space or basement foundations. We’ll work with you to help you select the right plans for your homesite and lifestyle. Through our “Build On Your Lot” program, our floorplans start from the upper $100,000’s to upper $300,000s.
We offer many options for customizing these plans. We may also build your custom home from plans that you already have.
Live chat with our New Home Specialist Krista, call 856-208-5118 or email general.info@schaefferhomes to learn more about our Build On Your Lot program for new homes in NJ.
Now is the perfect time to shop for new homes in NJ. Mortgage rates have dropped to a new all-time low. Your dream home will be more affordable than ever with today’s great deals.
Rates on 30-year mortgages are averaging around 3%, with some dipping below that mark. Rates on 15-year fixed-rate mortgages are even lower, averaging 2.72% in early August.
Mortgage rates fluctuate day to day, but overall are hovering at historic lows. People with high credit scores and substantial down payments can qualify for the best rates.
Are you in the market for a new home this year? Our “Build On Your Lot” program enables you to build any of our floorplans throughout the South Jersey area, whether you own a homesite or not. We have an in-house Land Acquisition Specialist that can assist you in finding a piece of land to build on from Cape May County up to Burlington County.
We offer a wide variety of floorplans for you to choose from to build your dream home. All of our floorplans feature different exterior elevation options and structural options for you to choose from. You will also have the opportunity to pick out every interior and exterior design selection to personalize your home to be your own.
The Phoenix floor plan is a split-level starting with 3 bedrooms and 2.5 baths in a 1,948 square foot design. Three exterior elevations are available in combinations of siding, brick and stone. Each elevation of this two-story plan has a covered front porch and front gables that create great curb appeal.
Inside, the Phoenix is designed for today’s casual family living. The spacious foyer is flanked by a dining room on one side and the powder room and laundry room on the other. The entrance hall leads straight to the family room, which is open to the breakfast nook and kitchen. A private owner’s suite is on a separate level from the main living areas and upper bedrooms. Alternate layouts and options for customization are available.
Let us help you find a homesite in Camden County, Burlington County, Cape May County, Atlantic County or Gloucester County. We have homesites available ranging from half an acre to just over five acres. If you dream of living at the beach, we can build your new home at the Jersey Shore in Atlantic County or Cape May County.
Live chat with our New Home Specialist Krista, call 856-208-5118 or email general.info@schaefferhomes to schedule a virtual appointment or in-person visit to our model home and design Center in Cherry Hill NJ.
We are proud to offer new homes that have earned the ENERGY STAR® label. ENERGY STAR qualified new homes are substantially more energy-efficient than homes built to the minimum code requirements. Our ENERGY STAR qualified new homes are independently verified by a third-party Home Energy Rater to ensure they meet ENERGY STAR energy efficiency guidelines. These homes are better for the environment and better for you. Learn more about ENERGY STAR qualified new homes at http://www.energystar.gov/