Vicky L. Garofalo

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

609-425-6597
Contact Me

Blog: Resources

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

Considering Offers

When reading an offer, keep in mind that you are out to get the best price AND the best terms for you. If you focus solely on the price, you may overlook terms that could be favorable to you as a buyer. Some terms that may work in your favor: higher-t... Read more

Mello-Roos

In purchasing your new home, your future monthly payments will be made up of principal, interest, real property taxes, and insurance. But what is the tax for the Community Facilities District, otherwise known as a Mello-Roos District? The Land Title Assoc... 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

Setting the Price

The price is the first thing buyers notice about your property. If you set your price too high, then the chance of alienating buyers is higher. You want your house to be taken seriously, and the asking price reflects how serious you are about selling your... Read more

Importance of Inspection

As a buyer, you are entitled to know exactly what you are getting. Don’t take anything for granted, not even what you see or what the seller or listing agent tell you. A professional home inspection is something you MUST do, whether you are buying a... 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

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

VICKY L. GAROFALO, ABR, PSA 
REALTOR/Sales Representative 
2997 Dune Drive 
Avalon, N.J. 08202 

DIRECT TELEPHONE NUMBER: 
CELL & OFFICE: 609-425-6597 
609-967-3001 
Contact Me

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

REMIER 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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