Purchasing real estate can be a daunting task to undertake alone. It takes greater experience and knowledge to navigate the market than in years past, not to mention the fact that an investment in real estate is one of the largest financial opportunities one can make.  Having been a member of our local community for over years, few firms have the familiarity with the surrounding counties as we do. 

Why Work With Our Agents? 

We Know Our Way Around

Our agents have extensive knowledge of surrounding  counties and local neighborhoods. We can help you locate the right community for your lifestyle. Whether you are looking for the best schools for your family or a great downtown scene, we can find the perfect location for you.

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Over 30 Years of Experience...

Each one in its own way.

Generation IV has been serving our community for over 30 years from the same location. When looking for a home or investment property, it is important that you work with an agent that has the experience you need. We have handled hundreds of successful closings throughout the years, each one unique in owns way. We pride ourselves on our ability to find the right property, and negotiate the right price for our clients.


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Code of Ethics

Being apart of the New Jersey Association of Realtors, we subscribe to highest level of integrity. You can rest assured knowing that we have your best interest at heart and work hard to bring you complete client satisfaction throughout the entire buying process. 


Frequently Asked Questions of Home Buyers

How Much Money Do I Need To Purchase

This depends on the price of the home and type of mortgage you receive. Generally, you should have enough to cover three main expenditures. 

Earnest Money-

This is the money that accompanies an offer to purchase. This shows the seller that you are a serious buying. This money is deposited into an escrow account and if accepted, can be put towards the down payment. If your offer is rejected, the money is returned to you and you can try again.

Down Payment-

This is the amount of money that you put towards the purchase price. The greater the down payment, the smaller the loan and ultimately the less you pay to the bank in interest.  

Closing Costs-

These are the fees associated with the paperwork involved in closing on a property. In general, closing costs consist of 3-4% of the final sales price and can include:

  • Escrow Fees
  • Taxes and Insurance
  • Recording Fees
  • Survey Fee
  • Document Preparation Fees
  • And More

 

Should I Use a Real Estate Broker, or Just Wing it? 

Besides the fact that brokers have the ability to see listings from other brokerage firms and have access to thousands of properties that the average person does not, brokers know what they are doing. It is their job to simplify the process of buying so you can understand exactly what is going on. The last thing you want to do is overpay for a home, be blind sided with unforeseen expenses, and have no where to turn for advice.

Here is a link to the U.S. Department of Housing and Urban Development. Take a look to see just what is involved in the buying process.