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	<title>NJ Real Estate &#124; Bloomfield &#124; Union &#124; Edison &#124; WoodbridgeFirst Time Home Buyers Budget Basics </title>
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	<description>Office: 732-494-6800     Cell: 973-715-6210</description>
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		<title>First Time Home Buyers Budget Basics</title>
		<link>http://njretoday.com/2012/02/first-time-home-buyers-budget-basics/</link>
		<comments>http://njretoday.com/2012/02/first-time-home-buyers-budget-basics/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 16:06:11 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[First Time Home Buyer Advice]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=3148</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2012/02/ManHoldingPiggyBankSavingMoneyBudgetBasics.jpg"></a>So you or someone you know is thinking about buying their first home? What an awesome milestone to have reached! While I’m sure you’ve got big dreams and even bigger opinions about what you want in your home i.e. a <a title="Home Buyer Wish List" href="http://njretoday.com/buy/wist-list/" target="_blank">home buyer&#8217;s wish list</a>- the first step to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Buyer Beware Buying a Home From A Builder</title>
		<link>http://njretoday.com/2012/01/buyer-beware-buying-a-home-from-a-builder/</link>
		<comments>http://njretoday.com/2012/01/buyer-beware-buying-a-home-from-a-builder/#comments</comments>
		<pubDate>Sat, 14 Jan 2012 17:36:23 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Buying A Home]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=3096</guid>
		<description><![CDATA[<p>The<a href="http://njretoday.com/wp-content/uploads/2012/01/NewContructionBluePrints.png"></a>re’s something innately appealing about a new home. You get to design it –from the floor to the ceiling and everything in between –to your taste. Buying a home from a builder is similar in a lot of ways. You are able to choose the style, size, and any number of upgrades to make [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Mortgage Climate Changing Metlife Layoffs</title>
		<link>http://njretoday.com/2012/01/mortgage-climate-changing-metlife-layoffs/</link>
		<comments>http://njretoday.com/2012/01/mortgage-climate-changing-metlife-layoffs/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 16:16:17 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Market News]]></category>
		<category><![CDATA[mortgage update]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=3089</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2012/01/HandCrushingMoney.jpg"></a>Metlife Home Loans is laying off most of their 4,300 employees that are associated with mortgage loan origination and EXITING THE MORTGAGE ORIGINATION BUSINESS ALTOGETHER! The Bloomberg article announcing this is below.</p> <p>http://www.bloomberg.com/news/2012-01-10/metlife-most-of-4-300-at-mortgage-unit-to-lose-jobs.html</p> <p>Previously, Bank of America had announced that it was eliminating 30,000 (with 4 zeroes) employees in the next few years. Citigroup [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Do I Need a Home Buyer&#8217;s Consultation Anyway</title>
		<link>http://njretoday.com/2011/12/why-do-i-need-a-home-buyers-consultation-anyway/</link>
		<comments>http://njretoday.com/2011/12/why-do-i-need-a-home-buyers-consultation-anyway/#comments</comments>
		<pubDate>Sun, 11 Dec 2011 09:00:08 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Articles for Buyers]]></category>
		<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Buying a House]]></category>
		<category><![CDATA[First Time Home Buyer Advice]]></category>
		<category><![CDATA[First Time Home Buyer Tips]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2982</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2011/12/CircleOfHouses.jpg"></a>When first-time home buyers decide they are ready to buy, it is important for them to begin the process by carefully assessing their values, wants, and needs—both for the short and long term. In the real estate industry, we refer to this as a home buyer&#8217;s consultation.</p> <p>Some home buyers formulate their own &#8220;wish [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Pros and Cons in Selling a House in a Winter Market</title>
		<link>http://njretoday.com/2011/11/pros-and-cons-in-selling-a-house-in-a-winter-market/</link>
		<comments>http://njretoday.com/2011/11/pros-and-cons-in-selling-a-house-in-a-winter-market/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 00:32:36 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Market News]]></category>
		<category><![CDATA[Market Predictions]]></category>
		<category><![CDATA[2012 Housing Market Forecast]]></category>
		<category><![CDATA[Housing Market Forecast]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2955</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2011/11/RobertaBaldwin.png"></a>Roberta Baldwin, a well respected, experienced Real Estate Broker from the <a title="Keller Willians Metro Group" href="http://www.njdreamhouses.com" target="_blank">Keller Williams Montclair Metro Group Market Center </a> joins the <a title="NJ Real Estate Today Blog Talk Radio Show" href="http://www.blogtalkradio.com/njretoday/2011/12/01/pros-and-cons-of-selling-in-a-winter-market" target="_blank">New Jersey Real Estate Today Blog Talk Radio Show </a>to share her viewpoints on what buyers and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Never Underestimate the Value of a Pre-Approval Letter</title>
		<link>http://njretoday.com/2011/11/never-underestimate-the-value-of-an-pre-approval-letter/</link>
		<comments>http://njretoday.com/2011/11/never-underestimate-the-value-of-an-pre-approval-letter/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 00:53:15 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Mortgage Financing Tips]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2696</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2011/11/MortgagePreapproval.jpg"></a>Get Pre-Approved Before You Find Your Dream Home!</p> <p>It’s a great time to buy a home with prices and mortgage rates at an all-time low. Before you go looking at homes though, you need to get yourself a Mortgage Pre-Approval. This will not only give you the advantage of knowing exactly how much home [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The My Weichert Search For Homes For Sale Tool</title>
		<link>http://njretoday.com/2011/08/the-my-weichert-search-for-homes-for-sale-tool/</link>
		<comments>http://njretoday.com/2011/08/the-my-weichert-search-for-homes-for-sale-tool/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 16:48:23 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Articles for Buyers]]></category>
		<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Homes]]></category>
		<category><![CDATA[Search for Homes for Sale]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2350</guid>
		<description><![CDATA[<p> <p>Searching for homes online is no easy task. There are plenty of great websites to get timely information about new listings, new construction, multifamily properties, townhouses,  condos etc. Njretoday is my blogsite, where I write about different real estate topics but as a Weichert Agent, I always recommend that home buyers sign up for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pricing a Home To Sell Is Not An Exact Science</title>
		<link>http://njretoday.com/2011/07/pricing-a-home-to-sell-is-not-an-exact-science/</link>
		<comments>http://njretoday.com/2011/07/pricing-a-home-to-sell-is-not-an-exact-science/#comments</comments>
		<pubDate>Thu, 14 Jul 2011 01:46:04 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Articles for Buyers]]></category>
		<category><![CDATA[Home Values]]></category>
		<category><![CDATA[Pricing]]></category>
		<category><![CDATA[Property Values]]></category>
		<category><![CDATA[Home Pricing Strategy]]></category>
		<category><![CDATA[Home Value Variables]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2340</guid>
		<description><![CDATA[<a href="http://njretoday.com/wp-content/uploads/2011/07/HouseScale.jpg"></a>Deciding on the right price for your home <p>is as difficult a task as what to name your first born. Seriously! As an active real estate agent in Union, Essex and Middlesex County, I meet people of all walks of life, with different educational levels and socio-economic backgrounds and yet pricing a home to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Deal for Real 56 Drew Way Iselin</title>
		<link>http://njretoday.com/2011/06/deal-for-real-56-drew-way-iselin/</link>
		<comments>http://njretoday.com/2011/06/deal-for-real-56-drew-way-iselin/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 15:21:31 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Deal for Real]]></category>
		<category><![CDATA[Homes for Sale]]></category>
		<category><![CDATA[Iselin]]></category>
		<category><![CDATA[NJ Homes for Sale Iselin]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2331</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2011/06/drew.jpg"></a>Deal for Real 56 Drew Way Iselin NJ </p> <p>Did you know that the average sales price for a home in Iselin NJ is 305,000?<br /> This 5 bedroom, 2 full bath home is being offer at $259,900. Why so cheap do you ask? It needs some TLC, but the type of TLC that [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Best Real Estate Deals How To Identify Them</title>
		<link>http://njretoday.com/2011/06/best-real-estate-deals-how-to-identify-them/</link>
		<comments>http://njretoday.com/2011/06/best-real-estate-deals-how-to-identify-them/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 14:48:53 +0000</pubDate>
		<dc:creator>Angie Perez Realtor Edison, Union, South Brunswick</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Buying a House]]></category>
		<category><![CDATA[First Time Home Buyer Advice]]></category>
		<category><![CDATA[First Time Home Buyer Tips]]></category>
		<category><![CDATA[How to Identify a Good Real Estate Deal]]></category>

		<guid isPermaLink="false">http://njretoday.com/?p=2324</guid>
		<description><![CDATA[<p><a href="http://njretoday.com/wp-content/uploads/2011/06/sale.jpg"></a>As <a title="Angie Perez Realtor Real Estate Agent" href="http://njretoday.com/about/bloggers/" target="_blank">Real Estate Agent</a>, one of my fiduciary responsibilities is to provide real estate context. I meet first-time, trade up home buyers and real estate investors all the time. I also meet homeowners who are curious as to what&#8217;s going on in the NJ Real Estate Market [...]]]></description>
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		<slash:comments>0</slash:comments>
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