Explore Hammonton, NJ

By Karl Peidl, Accredited Loan Consultant
Comments 3
Here's how you can stay in their good graces and avoid sky-high rates. Debra Tanner was thrilled when, in early 2008, her longtime credit-card issuer cut her interest rate nearly in half, from 16% to 9%. But a few months later, the thrill was gone. In August, Tanner discovered that the card issu...

By Julie Staradumsky, CREN
(Keller Williams Realty - Atlantic Shore)
Comments 1
Using Toxics and Pesticides Safely What is a Pesticide? - This document explains what is and what is not a pesticide. What are Biopesticides? - Different from conventional pesticides, biopesticides are a group of pesticides that are sometimes controversial and make their way into the media. This ...

By Karl Peidl, Accredited Loan Consultant
Comments 2
"Be greedy when people are fearful and fearful when people are greedy," says Warren Buffet, one of the richest men on the planet. And with so much fear in the real estate market right now, you may be wondering now that spring is officially here, "Is now the right time to buy a home?" Let us turn...

By Karl Peidl, Accredited Loan Consultant
Comments 4
Chances are you know someone who is facing the challenges of divorce. Going through this process can be emotionally and financially difficult. Failing to address important credit issues, however, will only make things worse. Remember, a divorce decree does not absolve credit contracts or relieve...

By Karl Peidl, Accredited Loan Consultant
Comments 2
  Copy this flyer, and as you are hunting for a new home,you can evaluate everything on paper before you make a decision.           Call me directly for a free consultation. Superior Home Mortgage Corp. licensed in DE, FL, GA: Georgia Residential Mortgage Licensee #14511, MD, MI, NY: Licensed Mo...

By Karl Peidl, Accredited Loan Consultant
Comments 8
Deciding whether to move is no easy task. There are many financial and emotional factors to consider prior to taking that next step. However, once the decision has been made, the benefits soon become apparent.According to the best-selling author of Remodel or Move*, Dan Fritschen, there are seve...

By Karl Peidl, Accredited Loan Consultant
Comments 2
  Once your loan package has been sent to the lender, there are a number of things you should avoid doing that will change your financial picture. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consid...

By Karl Peidl, Accredited Loan Consultant
Comments 1
    With identity theft on the rise, consumers are becoming increasingly aware of the importance of reviewing their credit reports. However, their thoughts about credit and its long-term impact upon their financial future typically end there until it's time to apply for a home loan. A credit sco...

By Karl Peidl, Accredited Loan Consultant
Comments 0
    Licensed Mortgage Banker, NJ Department of Banking and Insurance. Licensed Mortgage Banker NYS Banking Department. Licensed by the PA Department of Banking and pursuant to the Secondary Mortgage Loan Act. Not an offer to enter an interest rate lock-in agreement under MN law. MA Licensed Lend...

By Karl Peidl, Accredited Loan Consultant
Comments 2
Achieving Nirvana in the Workplace   It's three o'clock in the afternoon, and you find yourself nodding off at your desk. You muster up what little energy you have left and make your way to the break room in search of an antidote. Your mind and body on auto pilot, you grab a cup of coffee and "s...

By Karl Peidl, Accredited Loan Consultant
Comments 0
  Once your loan application is filled out and sent to the lender for review, the first thing they will look for is your ability to payback the loan you are requesting. My team and I have a streamlined loan process to help you get your ducks in a row prior to this review. A grand slam loan packa...

By Karl Peidl, Accredited Loan Consultant
Comments 0
  Here we go again, with the talking heads on financial news misinterpreting the impact of the Fed's actions on home loan rates. Here's the scoop. What the Fed just announced is huge - they have committed to buy another $750B in Mortgage Backed Securities, and $300B in Treasuries. But what does t...

By Karl Peidl, Accredited Loan Consultant
Comments 0
According to a letter that went out to lenders this week, The Federal Housing Administration (FHA) plans to make it tougher for borrowers to secure a cash-out refinance mortgage. Until now, the FHA has approved cash-out refinances for homeowners who have at least 5% equity in their properties and...

By Karl Peidl, Accredited Loan Consultant
Comments 0
This update from FHA Letter 2009-08 establishes temporary cash-out refi guidelines. Here are the 9 things you need to know about these changes: 1. This is a temporary change, and effective as of April 1st, 2009 (No, it's not a joke). 2. When adding a simultaneous 2nd lien, there will be a max CLT...

By Karl Peidl, Accredited Loan Consultant
Comments 4
When will the housing market bottom out?  That has been one of the most popular questions of the past year+.  I say we may have seen it this past week. On Monday March 9th the Wall Street Journal asked the question Dow 5000? wondering if the stock marketwould continue to fall that far.  The next ...

By Karl Peidl, Accredited Loan Consultant
Comments 4
  The Federal Housing Administration (FHA) program first began in 1934 in an effort to encourage home ownership despite the difficult economic times of the era. The program enables consumers who may not qualify for a standard loan to obtain the financing they need to purchase a home without inco...

By Karl Peidl, Accredited Loan Consultant
Comments 0
  Choosing the right person to represent you in negotiating your home purchase is a major decision. Whenever you see the designation of REALTOR® (with a registered trademark) you can rest assured that person is a member of the NATIONAL ASSOCIATION OF REALTORS® (NAR), and has a commitment to meet...

By Karl Peidl, Accredited Loan Consultant
Comments 2
    It's a strange time to be a homeowner. You've managed to hold on to your house during these tough economic times, but figuring out what to do next may be the trickiest part of all. If selling isn't part of the plan, could this be the right time to make some improvements to your home? Yes, but...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Take this 10-question quiz to assess your knowledge of job searching, interviewing and salary negotiating. 1. Searching the Internet is the most effective way to look for a job. True False 2. You can negotiate an entry-level salary. True False 3. Your résumé should always fit onto one page. True...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Credit Counseling and How It Affects Your CreditBy Linda Ferrari   I have always been a strong proponent of credit card use for achieving and maintaining strong credit scores. However, it is mission-critical that you always live within and preferably below your means. But, the lure of consumerism...

Hammonton, NJ Real Estate Professionals