Overview:
If you’re researching affordability planning, you likely want clarity and a plan. We explain what typically happens, what to prepare, and how to reduce risk.

NJ realities to know:
- Timelines can vary based on financing, inspections, attorney review (when applicable), and municipal requirements.
- In Shore/near-Shore markets, flood zones/insurance and seasonality can impact decisions.
- Strong documentation and clear expectations reduce delays.

Our approach:
1) Listen first (timeline, goals, constraints)
2) Provide local context (comparable activity, inventory, leverage points)
3) Build a step-by-step plan
4) Execute calmly with consistent updates

Common mistakes we help you avoid:
- Acting on generic internet advice that doesn’t fit NJ or your town
- Over- or under-estimating true monthly costs (taxes/insurance/HOA)
- Skipping due diligence that later becomes expensive

FAQ:
Q: What affects monthly payment most?
A: Rates, taxes, insurance, HOA, and loan structure.

Q: Should I leave room for repairs?
A: Yes—plan for maintenance and reserves.

Q: Where do I start?
A: Set a comfort range, then confirm with a lender and inventory reality.