Mortgage, Title & Home Warranty - Berkshire Hathaway HomeServices NJ Properties

Our Family of Services Partners – Your One-Stop Shopping Solution

Whether you are buying or selling real estate, our Family of Services companies provide seamless and convenient access to a comprehensive range of real estate-related products and services. With a full menu of mortgage, title and warranty offerings, we are committed to giving you the peace of mind you deserve, for the House you call Home.

Meet our Family of Services Partners:

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MORTGAGE

 

               877-275-1762

HOURS: MON-FRI: 9:00AM - 9:00PM | SAT: 9:00AM - 5:00PM | SUN: 10AM-7:00PM
 

 

 

 

 

Prosperity Home Mortgage, LLC is a full service mortgage banker specializing in residential and refinance loans.

With a wide range of mortgage products including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA) loans, Veterans Affairs (VA) loans, and renovation financing, Prosperity Home Mortgage has a team of talented, committed professionals who work together to deliver the promise of extraordinary service.

 

TITLE


Associated Title Agency

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Working together towards a common goal.
Closings completed on-time and hassle free.


The process of purchasing a home can be, at various times, exhilarating or exasperating. Choosing to work with Associated Title Agency can ease some of those potential concerns. Associated Title is an attorney-friendly, title agency with searchers in all 21 New Jersey counties, and a staff committed to providing the real estate community the most reliable, efficient and professional service possible.

 

HOME WARRANTY

Protection, Savings, Convenience and Peace of Mind from the Unexpected.

HMS is committed to making home ownership easy by working with real estate professionals, home buyers and sellers to provide affordable coverage for mechanical failures of major home systems and appliances. With a nationwide network of over 40,000 service partners to provide repair or replacement services and 24/7/365 customer service, HMS protects both home buyers and home sellers from expensive and unexpected repair and replacement costs before, during and after the sale of the home.

Claudia Marquardt

Claudia Marquardt

Realtor®, Sales Associate
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Moving: Berkshire Hathaway HomeServices

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The Do's and Don'ts of Credit

Here are some important credit related facts that everyone who would like a higher credit score should know! 

1. Don't Apply For New Credit. Every time that you have your credit pulled by a potential creditor or lender, you can lose points from your credit score immediately. ** Exception to the Case- When pulled for mortgage purposes or car loans, multiple credit pulls will not have a negative impact on a score, if done within a certain time frame**

2. Don't Pay Off Collections or "Charge Offs". If you want to pay off old accounts, do it through escrow, making sure that the debt is yours. Request a "letter of deletion" from the creditor. 

3. Don't Close Credit Card Accounts. If you close a credit card account, it may appear that your debt ratio has gone up. Closing a card will affect other factors in the score, including credit history.

4. Don't Max Out or Over Charge Credit Card Accounts. Try to keep your credit card balances below 40 percent of their limit during the process. Pay Down balances if possible

5. Don't Consolidate Your Debt. When you consolidate all of your debt onto one or two credit cards, it will appear that you are "maxed out" on that card and you will be penalized.

6. Do join a credit monitoring service like www.myfico.com or www.creditchecktotal.com. These inquires won’t affect your credit score and can alert you early to any potential inaccuracy or action needed to improve your credit score.

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