Explore Hammonton, NJ

By Karl Peidl, Accredited Loan Consultant
Comments 12
Did you know that replacing an employee could cost you up to three times that employee's annual salary? That's according to isquare.com. Recent studies cite productivity, recruitment, and training costs associated with hiring new employees as major contributors to this surprisingly expensive sta...

By Karl Peidl, Accredited Loan Consultant
Comments 6
Freddie Mac and Fannie Mae will implement a revised Home Valuation Code of Conduct beginning May 1, 2009. In an attempt to increase the reliability of appraisals, the revised code builds on existing seller-servicer guidelines and will apply to lenders that sell single-family mortgage loans to Fa...

By Karl Peidl, Accredited Loan Consultant
Comments 2
  It's staggering when you think about the cost of living, especially if you're a renter and not a home owner. If you are currently paying $1,000 a month for rented housing, then over the next three years, your property management company will effectively have reaped $36,000 of your hard earned ...

By Karl Peidl, Accredited Loan Consultant
Comments 4
Yesterday I received two very different and very memorable phone calls.  The first was extremely exciting.  I won't get into that call here since I wrote about that in yesterday's blog.  The second call was scary. I was on my office phone with a client when my cell phone rang at 6:17pm.  The call...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Interest Rates Change Daily Interest rates change constantly, but it is important to know that rates are cyclical. If rates are currently at historical lows then we know there is a strong probability rates will go up again, and vice versa. Certain economic indicators such as unemployment data, c...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Quick Tips for Getting Started on Your Home Purchase Buying a home can be a complex process, but it doesn't have to be. With a little preparation, you can save a lot of time and hassle by having all of your documents ready when your mortgage professional needs them.To start with, the lender will...

By Karl Peidl, Accredited Loan Consultant
Comments 0
  Tip #23: Tame wild jungles An empty yard sells better than an overgrown yard, probably because an empty yard looks larger. When trimming back your shrubbery and trees as you're getting ready to sell your house, don't be timid. Trees and shrubbery should not hide the house itself. Again, less i...

By Karl Peidl, Accredited Loan Consultant
Comments 2
  Helpful Hints on Marketing and Selling Your Home Tip #1: Make a checklist Make a checklist to review any time a Realtor is bringing someone in to look at your home. Nothing fancy, just something to remind you to do all the little preparatory tricks on this list.   Tip #2: First impressions Fir...

By Karl Peidl, Accredited Loan Consultant
Comments 12
If you're selling your home, make sure your home has "curb appeal." Remember, you can't change a first impression. If your home looks like a diamond in the rough, think about putting a small investment into cleaning up the outward appearance.Imagine that you are seeing the property as a potentia...

By Karl Peidl, Accredited Loan Consultant
Comments 0
For quite some time I have been hearing people offer their theories as to when we will hit the bottom of the housing market.  So many are trying to time things just right so they can get the best possible deal.  The reality is that we will not know when we've hit the bottom until after that time ...

By Karl Peidl, Accredited Loan Consultant
Comments 0
ARM Indexes: A 10-Year Comparison 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 ...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Cheap Alternatives for International Travel   We all know that international travel can be very expensive, but here are a few alternatives you may not know about.Consolidators - A consolidator is nothing more than a company which purchases large quantities of unsold airline tickets and passes th...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Choosing a Fixed Rate Loan   Fixed rate loans generally come with one of two options; the 30-Year Fixed and the 15-Year Fixed. If a borrower is planning on being in the same home for a long period of time, a 30-Year Fixed may be more attractive because it offers stability. The monthly payment wi...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Google the term "credit repair" and 19 million results are instantly generated. With so much information available, and so much of it conflicting, how do you know which credit repair company is legitimate and which ones are really just looking to take advantage of desperate consumers? The follow...

By Karl Peidl, Accredited Loan Consultant
Comments 2
The Federal Reserve is expected to announced a cut today so it seems like perfect timing for this piece...  Understanding What Causes Interest Rate Movement The Federal Reserve constantly evaluates the US economy and, when necessary, takes steps to address inflationary concerns and avoid economi...

By Karl Peidl, Accredited Loan Consultant
Comments 0
While the mortgage market continues to generate a lot of chatter in both the media and in Washington, interest rates are currently near or at all-time lows. If you or anyone you know are looking to take advantage of these low rates, let me explain why now is the time to act. Lately there has bee...

By Karl Peidl, Accredited Loan Consultant
Comments 0
Various Ways to Hold Title to Real Property Title is the legal documentation that bestows ownership of real property. This is to be indicated in Part II of the 1003 Uniform Residential Loan Application as "manner in which title will be held."The decision of how the title will be held should not ...

By Karl Peidl, Accredited Loan Consultant
Comments 2
What to Look for When Hiring an Assistant Your business has grown by leaps and bounds, and to continue on that upward spiral, you realize the need for a personal assistant. Keep in mind that your new hire will become as vital as your right arm, assuming if you choose wisely. There are several key...

By Karl Peidl, Accredited Loan Consultant
Comments 1
You've been working really hard to increase your credit score. You've done everything you thought you were supposed to do to present yourself as a creditworthy individual. So, why did your score suddenly drop? What happened?Unfortunately, this is a common occurrence with many consumers today, a ...

By Karl Peidl, Accredited Loan Consultant
Comments 4
No, not because it is December 9th.  Today is the annual Kiwanis Christmas Party here in Hammonton, NJ.  Of all the help we provide to the community, this event is by far my favorite.  And this year is more special than usual as I was installed as the club president back in October. For those who...

Hammonton, NJ Real Estate Professionals