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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Hoboken, Jersey City, Union City, Weehawken and Gold Coast real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.


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New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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Jill Biggs Real Estate Team, REALTOR®, real estate agent and broker for Jersey City, Hoboken, Union City and Weehawken, New Jersey home listings, property and land for sale - NUMBER1EXPERT

Jill Biggs
Coldwell Banker Residential Brokerage
100 Washington Street
Hoboken, NJ 07030
Cell: 973-495-6038
Direct: 201-533-3073
Office: 201-798-3300
eFax: 862-345-1528
Fax: 201-798-9366
JillKBiggs@gmail.com
Jill Biggs has set the standard for service in Hudson County. As a Realtor, Jill Biggs takes customer service to a new level, handling every detail of all transactions to make each sale a pleasant experience for both buyers and sellers.

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