Facts You Should Know About the Mortgage Application Process.


Having trouble getting your mortgage approved? Here is some helpful information you should know about the mortgage application process.

1.  You can get a loan with as little as 3% on a Conventional loan, 3.5% down on an FHA loan & no money down on VA and USDA loans.

2.  Minimum credit scores: Conventional- 620, FHA- 580, VA- 600, USDA- 620.

3.  Down payment can be gifted from a family member or come from a retirement account.

4.  Seller can pay closing costs 6% for FHA and USDA, 4% for VA and 3% for Conventional.

5.  No rental history needed with a credit score over 620.

6. Two year wait after a Chapter 7 bankruptcy discharge for FHA and VA, 4 years for Conventional and 3 years for USDA.

7. No wait period after Chapter 13 bankruptcy for FHA, USDA, and VA providing trustee payments were made on time. Two year wait period after discharge or Conventional.

8. There is a 3 year waiting period after short sale for FHA and USDA. VA has a 2 year wait period. Conventional wait period is two years with 20% down, 4 years with 10% down and 7 years with less than 10% down.

9. Most medical collections can be left open.

2 Carmine Way in Howell, NJ–New Construction

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Solar Energy and Why it is Important.

solar-energy Many people are considering solar energy as a source of energy for their homes. Obviously, you must first evaluate the cost effectiveness of the project. Additionally, it is good to know why solar energy is necessary.

You will find that solar energy is a most interesting, important and efficient form of energy. Solar energy is produced by the sun. It can be harnessed like any other type of energy and used to create electricity to run homes and businesses. Solar energy does not compromise the environment.

In order to harness the energy from the sun and turn it into electricity, it is necessary to have solar cells to collect and transform solar energy into usable electricity. These cells are typically in the form of panels that face the direction of the sun to capture the most rays possible. Solar energy is completely natural and is considered a clean energy source. It does not disrupt the environment or create a threat to eco-systems the way oil and some other energy sources might.

The most important issue of all is probably why solar energy is important to you, personally. Fossil fuels, like gas and oil, are not renewable energy. Once they are gone they can’t be replenished. Fossil fuels create massive pollution in the environment. This pollution affects waterways, the air you breathe, and even the meat and vegetables that you eat. These fuels are expensive to retrieve from the earth and they are expensive to use.

It is absolutely possible to take control of your energy costs by using solar energy. Many companies offer free design and free analysis with a no “no money out of pocket plan”. We have partnered with a company that can provide solar energy solutions, Infiniti Energy Services.

33 Porter Avenue. Seaside Park, NJ – Residential

33 Porter Ave Seaside Park, NJ 08752

A half block from the beach all year round.
Visit the Seaside Park, NJ Area website.

3 family home – 1 unit available with 2 bedrooms – $950.00


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RENTED-Ocean Pointe Plaza Apartments. Waretown, NJ–Residential

At this time there are no available apartments for rent.

Address: Route 9 & 1 Memorial Drive Waretown, NJ 08758 (Ocean County)

Real Estate: Residential Apartment Rentals

In the heart of the Jersey Shore! Come home to this luxury apartment community located in Waretown, New Jersey. The bay is 5 minutes from your doorstep. Long Beach Island is only 15 minutes away. Off of exit 69 on the Garden State Parkway, on Route 9 where there is a new beautiful shopping center, Ocean Pointe Plaza Apartments is close to everything you need, including an excellent school system. Reserve your home today!

Available for lease: 1050 sq. ft. apartment with 2 bedrooms, eat in kitchen, and large bathroom. Each building has a laundry room area. The utilities are gas, electric, and city water and sewer. Utilities are not included. $1,350.00 a month.

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  • Elevator
  • Private Entrance
  • Private Terraces
  • Fully Equipped Kitchen
  • Private washer and dryer room


Floor Plan 1  directions

RENTED All Seasons Plaza in Jackson, NJ – Commercial

Commercial Property for Rent

Address: 22 South Hope Chapel Road Jackson, NJ 08527

All Seasons Plaza

Warehouse under construction. Three units available. First unit 1200 sq ft. Second unit 2000 sq ft. Third unit 800 sq ft. No loading area. Cannot be used for office space.

warehouse-rental-jackson-nj commercial-rental-floor-plan1 commercial-rental-area-map commercial-property-rental-directions warehouse-rental-demographics

Infiniti Plaza Commercial Real Estate Rental in Howell, NJ


New Construction Commercial Real Estate

Lease, 2000 sq. ft. to 4000 sq. ft.   This property is perfect for any office/retail location.

Are you looking for a commercial real estate rental to open any retail or professional office? This property will suit your needs.

Join the best looking plaza in town – Infiniti Plaza Commercial retail and office space. The plaza is in a high traffic area conveniently located at Route 9 North next to the 195 exits on a high visibility corner.

Directions: 2885 Route 9 North, on the right at the corner of East 5 Street, Howell Township, Monmouth County, New Jersey.




1 Unit Left-Lighthouse Gardens Apartment Rentals, Ocean County, NJ


One 1-bedroom unit available for rent.

Address: 158 Oak Lane, Little Egg Harbor, NJ 08087

View a VIRTUAL TOUR of Lighthouse Gardens Apartments.

We are accepting applications so call today, 732-370-0291!

apartment-rentals-ocean-county                      apartment-rentals-ocean-county

Brand new Lighthouse Gardens apartment rentals in Ocean County with seven, one and two bedroom apartments. Located in Little Egg Harbor Township, New Jersey this beautiful complex is the ultimate in Jersey Shore living.

Our apartments at Lighthouse Gardens feature new construction and new design. With the comfort and convenience of our residents in mind, each apartment home has been carefully detailed and every feature has been expertly chosen.

Our apartments include all new interiors, stainless steel appliances, a microwave, refrigerator, and a washer and dryer right in your apartment. In addition, each home is cable ready and has air conditioning and heating. Walk on brand new flooring in the living areas, designer tile in the bathrooms, and wall-to-wall carpeting in the bedrooms.

Our location is ideal with easy access to a variety of spectacular areas.

Atlantic City

Explore the casinos and beaches of Atlantic City, which is less than one hour away. Enjoy fine-dining and shows offered at multiple casinos along the marina and downtown. Atlantic City isn’t just for nightlife, wander through the streets to do some shopping at the Tanger Outlets.

Long Beach Island

Experience living near the beach year-round with the world-famous beaches of Long Beach Island in close proximity to your home. Build sand castles with your family, work on your tan or swim in the refreshing ocean waves. Enjoy many fine restaurants and shopping areas.

The Great Outdoors

With Freedom Fields Park within walking distance, enjoying the outdoors has never been more convenient. Enjoy nature’s beauty while walking the trails at Bass River State Forest or perfect your swing at one of the area’s premier public and private golf courses.

New York and Philadelphia

Miss the pulse of the big city? You can easily visit two major metropolitan cities. Travel into
Philadelphia in just over one hour or New York City in just under two hours. See all that they
have to offer, including world-famous historic sites and fine dining that everyone can enjoy.

Historic Smithville

If you prefer a quieter atmosphere, wander the cobblestone streets of historic Smithville located just 20 minutes away.

Convenient Shopping.

Shop for your everyday necessities at major retail stores along Route 72.


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Morey Place Road in Waretown, NJ–New Construction


Avon Waterview Estates, LLC

Address: Morey Place Road. Waretown, NJ 08758

Models Available

Ash I Elevation
Reduced to $369,000
Click for Details

Dogwood II Elevation
Offered from $492,500
Click for Details

Dogwood III Elevation
115 Morey Place Rd.
Dogwood III Elevation
Offered from $399,000
Click for Details

Hickory I Elevation
Offererd from $501,250
Click for Details

Cherry I Elevation
Offered from $466,900
Click for Details


Read about Area Information for Ocean County, NJ

amenitiessite plan Area Map survey directionsdemographics

Lighthouse Plaza in Waretown – Commercial

Waretown, NJ - Commercial and Retail Real Estate

Address: 516 Route 9 North Waretown, NJ 08758

Status: Active
Real Estate: Commercial Rental

One unit available. 1200 sq ft for office, retail space. Hardwood floors, alarm, new paint. Turn the key.

Lighthouse Plaza construction is across the street from ShopRite Supermarket. The plaza is located at the intersection of Lighthouse Drive and Rt. 9 in Ocean Township (Waretown), Ocean County, New Jersey.

Ocean Township is one of Ocean County’s fastest growing Townships. Ocean Township with a population of 8,850 in 2015, has experienced a 6.2% increase in growth from 2010 to 2015. As of 2015 there were 3,799 households with an average household size of 2.27 persons. The retail market trade area includes Barnegat Township, located one mile to the south and Lacey Township located one mile to the north.

This space is idea for professional and/or retail businesses.

Neighborhood Description: Waretown (Ocean Township)

The subject property is situated in the Township of Ocean, which is located in the central eastern portion of the county. The Township of Ocean comprises approximately 32.03 square miles, 20.80 square miles of land and 11.23 square miles of water. The Township is bordered by Lacey Township to the north, Barnegat Bay to the east, Barnegat Township to the south and Barnegat Township to the west. The Township of Ocean had a population of 8,850 as of the 2015 update to the 2010 Census with the population density of 405.4 per square mile of land.

The Township of Ocean (Waretown) is comprised mostly of residential single, multifamily dwellings, commercial buildings, mixed use dwellings, apartments and local commercial strips. It is proximate to New York City employment centers and excellent highway and public transportation access.

Area Analysis: Ocean County

Ocean County is located in the southeast portion of New Jersey.

The County covers an area of 916 square miles, 636 of which are land and 280 of which are water, second largest county in the state Burlington County is larger. The highest point is one of three unnamed hills (one in Jackson Township, the other two in Plumsted Township) that reach at least 230 feet in elevation. The lowest elevation in the county is sea level. Ocean County is bounded by Monmouth County to the North, Burlington County to the West, Atlantic County to the South and the Atlantic Ocean to the East. Ocean County is one of four New Jersey counties along the Atlantic Ocean.

The County lies on the periphery of the two of the nation’s largest metropolitan centers. New York City is seventy miles north and Philadelphia is sixty miles west. The county is served by the Garden State Parkway, Routes 9, 70 and 72. Bus service is provided by New Jersey Transit, train service available to New York City and Philadelphia.

The county boasts some of the most beautiful beaches in New Jersey. It is home to Island Beach State Park and the resort of Seaside Heights. It is also home to Six Flags Great Adventure, and the famous New Jersey Pine Barrens.

Population: Ocean County

As of the census of 2010, there are 576,567 people and 2016 data estimates that the population has increased to 592,497. As of 2015 there were 222,494 households. The 2010 population density is 917.0/mi. The 2015 data reveals that there are 280,494 housing units. There are 222,494 households out of which 23.5% have children under the age of 18 living with them, 67% were married couples living together, 9.6% have a female householder with no husband present, 27.8% of all households were made up of individuals and 19% had someone living alone who was 60 years of age or older.  Its county seat is Toms River.

Population: Waretown (Ocean Township)

As per the 2015 update to 2010 Census, the population in Waretown (Ocean Township) was 8,850, which is a 6.2% increase since the 2010 Census. The population represents 3,799 households of which 36.2% are children under 18 living at home, 57.5% were married couples living together, 9.6% had a female householder with no husband present, and 10.1% of all households were made up of individuals and 26.4% had someone living alone who was 65 years of age or older. The average household size was 2.27.

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RENTED! Ocean Pointe Plaza in Waretown – Ocean County NJ Commercial Real Estate

Address: Route 9 & 1 Memorial Drive Waretown, NJ 08758 (Ocean County)

Ocean County NJ Commercial Real Estate

This property is a 2,300 to 1,270 square foot space located at the Route 9 and Memorial Drive intersection. (Route 9 frontage) This Ocean County, NJ commercial real estate is ideal for professional, medical and/or retail operations. Available for lease: Prime location next store to busy Benchmark Therapy and Homestead Senior Care. Turn the key and move in! Space has new carpet, custom paint and ceramic floors.

Contact: M. Garofalo 732-370-0291
Fax 732-901-6447 • Email: mmgarofalo@optonline.net

Area Description: Ocean Pointe Plaza construction was completed in the fall of 2007, 18,000 sq. ft. On the first floor commercial and second floor apartments and it is located across the street from the new Shop Rite Supermarket, Ocean First Bank and a Retail Mall.

The project is part of the Phase One of the Ocean Township’s overall redevelopment initiatives which will include over 400 acres consisting of a Hotel and Conference facility, Churches, Senior Housing, Active Recreation Village Green, New Municipal Complex, Medium Density Housing, Open Space and additional commercial.

Also, the front of this site is a part of the Barnegat Branch Trail project that consists of a continuation of the trail, which will be walking sidewalks along Route 9 south from Lacy to Waretown.

Across the street will be Diamond Developers at The Trade Winds. They have their approvals that consist of 256 condos and large 28,000 sq. ft. retail and restaurant pads. Only one quarter mile away is a Greenbriar Oceanaire Adult Community consisting of 1400 homes.

Location: Ocean Township Town Center will be a new mixed use retail project developed in conjunction with Ocean Township’s redevelopment plan. The project will be located at the intersection of Memorial Drive and Route 9 in Ocean Township (Waretown), Ocean County, New Jersey. The new Volunteer Way bypass will extend on mile north from Route 9 to Route 532, just one quarter mile south of the Garden State Parkway. Route 9 extends north to south connecting many of the surrounding communities such as Berkley Township, Lacey Township, Barnegat Township and Stafford Township to Ocean Township.

Market Description: Ocean Township is one of Ocean County’s fastest growing Townships. Ocean Township with a 2015 population of 8,850 has experienced a 6.2% increase in growth from 2010-2015 The retail market trade area includes Barnegat Township located one mile to the south and Lacey Township located one mile to the north and on the Jersey Shore.

US Census 2000 Population Comparison for 45 Miles Around Ocean Pointe Plaza


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Sold!! 344 Lanes Pond Road in Howell, NJ, Lanes Pond Estates, New Construction


Lanes Pond Estates in Howell, NJ

Model: Elm Elevation: Custom Ranch

Designed for those who enjoy the ease of single floor living, the Elm boasts a convenient and luxurious layout that is sure to please! The secluded master bedroom offers the perfect combination of convenience and privacy. A spacious library can also be used as an additional bedroom for the larger family. Completing this unique home is an expansive great room with a  wood burning fireplace.

Offered from $499,000


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SOLD!! 115 Morey Place Road in Waretown, NJ


soldAvon Waterview Estates, LLC
2,900 sq. ft., Magnificent home,
4 bedroom, 2 1/2 bath,
3 elevations, optional fifth bedroom
and finished basement


Dogwood Elevation III

Classic yet dramatic, the magnificent Dogwood home boasts an impressive floor plan. Expansive rooms abound throughout, including a striking family room and a private first floor study. Upstairs, a spacious master suite includes a spectacular master bath with soaking tub and separate glass enclosed shower, along with three additional impressive bedrooms and convenient laundry.
On 2+ acres backs up to creek, country setting- price to sell – $399,000.00
Call MSC Enterprises LLC 732 370 0291

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SOLD!! 177 Oak Glen Rd Howell NJ – New Home


Address: 177 Oak Glen Road,  Howell 07731sold
List Price: $539,000.00
Contact: 732-370-0291


Bedrooms: 3 Bath: 2 Sqft: 2850


 MSC Enterprises presents a Custom Ranch New Home on a 6 acre country setting. It has an open floor plan ideal for entertaining or family get-togethers. The home offers 3-4 bedrooms, 2 1/2 full baths, with 2,700+ square feet of living space, with a custom front elevation. The huge basement has 9′ ceiling height with reinforced poured concrete walls and a separate side entrance. Additionally it has a large 2-car garage, hardwood flooring throughout, and a custom 42″ gas fireplace. The kitchen has designer Aristokraft cabinetry and granite kitchen counter tops with a custom back splash to match. All kitchen appliances are stainless steel. Throughout the house you will find designer lighting, plumbing fixtures, vanities and custom paint.

Ideally located close to I-195, the New Jersey Turnpike and the Garden State Parkway, this location is ideal for commuters. Howell numerous recreational and entertainment amenities are nearby including Six Flags Great Adventure, the Jackson Premium Outlets, and the Jersey Shore beaches. A number of family-friendly and fine dining restaurants and the Freehold Mall are minutes away.

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SOLD!! 256 West Farm Road in Howell, NJ – New Construction


Address: 256 West Farm Road
Howell, NJ 07731


3 Bedroom Ranch, approximately 2,550 sq. ft., 2+ acres land, Block 153, Lot 19.02

A favorite among  home buyers, this home offers a totally open floor plan distinguished by an immense, uniquely designed kitchen and breakfast nook that connects the formal dining room and spacious family room. Upstairs, an impressive master suite and large secondary bedrooms provide plenty of privacy.


amenities    floorplan1 siteplan
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210 home warranty
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