Vicky L. Garofalo, ABR, PSA

Long & Foster Real Estate, Inc.
Christie's International Real Estate

609-425-6597
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Blog: Mortgage Information

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

VICKY L. GAROFALO, ABR, PSA 
REALTOR/Sales Representative
Accredited Buyer’s Representative
Pricing Strategy Adviser
2997 Dune Drive 
Avalon, N.J. 08202 
609-967-3001
DIRECT:  Toll Free:   800-794-5409
 Cell & Home Office: 609-425-6597   (24/7)

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ACCREDITED BUYER'S REPRESENTATIVE "ABR" & PRICING STRATEGY ADVISER "PSA" 
SALES AND RENTAL AGENT ON THE LOVELY "SEVEN MILE ISLAND"......... 

PREMIER LUXURY OCEAN FRONT AND BAY FRONT HOMES AVAILABLE FOR SHOWING...CUSTOM HOMES BUILT TO CAPTURE FANTASTIC BEACH, OCEAN AND BAY VIEWS AS WELL AS CAPTURING THE BEAUTY OF THE SUNRISE AND SUNSETS! 

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