Sara Girgus - NJ Realtor

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United States
Basking Ridge, NJ
Sara Girgus - NJ Realtor

Real Estate Agent at Keller Williams Towne Square Realty Dedicated Real Estate Agent and Special Educator in Central NJ.

Lover of volleyball, nature, coffee & Halloween!

05/16/2025

Friday:
🌷✨ Spring Cleaning Season is Here! ✨🌷
Ready to refresh your space and reset your mindset? 🧼🧺
Use this quick checklist to tackle the essentials—from deep cleaning to decluttering—and get your home in tip-top shape for the new season.

✅ Clean.
✅ Clear.
✅ Breathe easier in a space you love.

Which task do you actually enjoy doing? (We won’t judge if the answer is none. 😅)

01/19/2024

Decoding Appraisals: A Professional Overview 🏡📊
Following appraisal completion, the appraiser issues a comprehensive report, incorporating property analysis, comparable data, and purchase offer review. The report, shared with both you and your lender, marks a pivotal point.

•Matching Valuation:
If the appraiser's value aligns with the agreed-upon price, your lender proceeds with underwriting, concluding the loan process.

•Higher Valuation:
Appraised value exceeding the purchase price? Instant equity. Example: Paying $200,000, but appraised at $250,000 equals $50,000 equity.

•Lower Valuation:
Appraisal below the agreed price? Lenders stick to appraised value. Options exist to address shortfalls, ensuring the deal's viability. 🤝💼

Navigating appraisals demands strategic understanding. Stay informed, as solutions exist to overcome hurdles in the pursuit of homeownership. 🏡💙

12/13/2023

Unlocking the Door to Opportunity! 🏡✨ Mortgage rates have taken a slight dip, and here are today's averages:

🔍 30-year fixed rate: 7.34%
📉 15-year fixed rate: 6.71%
🔄 5/6 ARM rate: 7.29%
💼 Jumbo mortgage rate: 7.31%

Whether you're a first-time buyer or considering a refinancing journey, these rates might just be the key to your homeownership dreams. Ready to explore your options?

11/02/2023

🏡🔍 Navigating November Home Appraisals: 3 Key Tips
Appraiser Availability: November brings holidays and high demand, potentially affecting appraisal scheduling. Plan ahead!
Home Maintenance & Prep: Showcase your home at its best. Complete repairs, declutter, and maintain a welcoming space for the appraiser.
Market Trends & Values: Appraisers analyze local market trends and property values in the appraisal process. Stay informed! 📈💼
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06/21/2023

🏠 When is the Best Time to Buy a House? Find Out Here! 💰✨

Wondering when is the optimal time to buy a house? It's not just when rates drop or the market crashes. And it's not solely when you have 20% down payment. Some lenders offer programs with 0 down payment or 3.5%!

The best time to buy a house is when you can afford it, aligning with your financial goals and personal circumstances. Timing is subjective and varies for each individual. Factors like financial stability, job security, housing needs, and market conditions play a role. We understand the significance of this decision and are here to guide you through the process. Ready to explore your homeownership dreams? Reach out today to discuss your options and find the best time for you to buy a house!
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06/07/2023

📝🏡 Get Your Dream Home Closer: Documents Your Lender Needs for Pre-Approval 📝🏡

Securing a pre-approval for your home loan is a crucial step towards making your dream home a reality. To expedite the process and ensure a smooth experience, gather these essential documents for your lender. From financial statements to employment records, being prepared will give you a competitive edge in the homebuying journey!
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06/05/2023

🏡✨ Then vs. Now: Homes Sold in May 🏡✨

Let's embark on a journey through time and explore the changes in the real estate market for Somerset, Hunterdon, Morris, Essex, and Sussex Counties in New Jersey.

Compare the number of homes sold in May from 2020 to 2023 and witness the evolving trends. 📉🔍

From the peak in 2022 to the present, we've seen a decrease in the number of homes sold in May. Market dynamics continually shift, and understanding these trends can provide valuable insights for buyers and sellers in these vibrant New Jersey counties.
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05/13/2023

OPEN HOUSE TODAY! 1-3 at 204 Sophia Court, Watchung NJ! 🏡
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Come see this beautiful furnished townhome!
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05/13/2023

💰💸 Amortization is an important concept to understand when it comes to loans and mortgages. It refers to the process of paying off a debt over time through regular payments. But what does that really mean?
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Put simply, when you make a payment on a loan, a portion of that payment goes towards paying off the principal (the amount you borrowed), while the rest goes towards paying off interest (the cost of borrowing that money).
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Over time, as you continue to make payments, the balance of your loan decreases, and the amount of interest you pay decreases as well. This is why your monthly payment stays the same, but the amount that goes towards paying off the principal versus interest changes over time.
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Understanding amortization is key to making informed decisions when it comes to borrowing money. Whether you're considering a mortgage, car loan, or other type of loan, make sure you understand the terms and how they impact your overall financial picture!
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05/10/2023

🏡💰Unlock the power of passive income and build wealth with multifamily properties! Here are the top 4 advantages of owning a multifamily property for investment purposes:

💰 Increased Cash Flow: With multiple units, you have the potential to earn more rental income than you would with a single-family property. This means higher cash flow and a quicker path to financial independence.

📈 Economies of Scale: When you own a multifamily property, you can take advantage of economies of scale. This means that your costs per unit will be lower than they would be with a single-family property, allowing you to maximize your profits.

🌟 Diversification: With multiple units, you have the opportunity to diversify your income streams. This means that if one tenant moves out, you'll still have income from the other units. This can help reduce your risk and provide a more stable income.

💸 Tax Benefits: There are several tax benefits to owning a multifamily property, including deductions for mortgage interest, property taxes, and depreciation. These deductions can help reduce your tax liability and increase your cash flow.

With professional property management, lower risk of vacancy, and potential for appreciation, multifamily properties offer a range of benefits for investors. Are you ready to start building your wealth today?
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05/09/2023

📈📉🏠 Are you curious about Q1 closed sales trends for real estate from 2020 to 2023? Check out these stats.

As you can see, the real estate market has experienced significant fluctuations in closed sales over the past few years. While 2021 saw an increase in sales, 2022 and 2023 experienced declines. What does this mean for buyers and sellers? It's important to stay informed about market trends and work with a trusted real estate agent who can help you navigate the market.

Whether you're buying, selling, or investing, I'm here to help you achieve your real estate goals🤝💼💰
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05/07/2023

In this market buyers are DESPERATE to find the perfect home! Yours could be just the home they're looking for!
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Address

180 Mount Airy Road, Suite 201
Basking Ridge, NJ
07920

Telephone

+19087660085

Website

http://saragirgus.kw.com/

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