Stephany Alzate NJ Loan Officer & Realtor

09/21/2026

09/17/2026

09/10/2026

🏡 5 Expenses to Consider Beyond the Purchase Price

Buying a home is more than just your monthly mortgage payment. Before making an offer, make sure you’re budgeting for these additional costs:

1️⃣ Property Taxes 💰
Your property tax bill can significantly impact your monthly housing expenses.

2️⃣ Homeowners Insurance 🏠
Protect your investment and make sure insurance costs fit comfortably within your budget.

3️⃣ HOA Fees 🏘️
If you’re buying in an HOA community, factor in monthly or annual association fees and potential assessments.

4️⃣ Maintenance & Repairs 🔧
From routine upkeep to unexpected repairs, homeownership comes with ongoing costs.

5️⃣ Utilities 💡
Electric, gas, water, sewer, trash, and internet can add up quickly—especially when moving from an apartment to a home.

✨ The goal isn’t just to qualify for the home—it’s to comfortably afford it.

Before you buy, let’s look at the full cost of homeownership so there are no surprises after closing.

Helping you move from “Can I afford it?” to “I’m ready to own it!” 🏡

09/07/2026

Labor Day reminds us that big rewards come from hard work—and there’s no bigger reward than a place to call home.

Ready to find yours?

💡 You don’t need to be perfect—just prepared. Let’s talk about where you stand and how to take the next step toward homeownership. 📲 DM me or call/text

📞 908-405-8152
📧 [email protected]

09/04/2026

🚨 You said “there’s nothing to do” in Ocean County… 👀😂

So we found the spots. 📍✨
From hidden gems to must-visit local favorites, add these to your list ASAP. 🌊☀️

✨ SAVE this Reel for your next day out
👯‍♀️ SEND this to your go-to adventure buddy
💬 Which one are we hitting first?!

Follow for more NJ spots, things to do & local gems ✨

09/03/2026

The Medical Professionals Loan Product is designed to help physicians, dentists, and other eligible healthcare professionals purchase or refinance a home with a low-down payment and no mortgage insurance requirement. While these borrowers often have strong earning potential, they may also carry substantial educational or professional debt and this product is aimed to assist with that.

👩‍⚕️ Nurse Practitioners are now eligible!
NPs with an MSN or DNP are now included under the eligible professional designations.

🩺 Clinical Duties Matter
Professors, Medical Directors, and other professionals with eligible medical designations must have active clinical duties included in their employment contract to qualify under the applicable guidelines

📲 Working with a buyer who may benefit from these updates?
Let's review their scenario and make sure we're structuring the loan correctly from the start.

Knowledgeable guidance. Stronger pre-approvals. Better homebuying experiences. 🏠

DM me or call to get started.
📞 908.405.8152

09/02/2026

🚨 Don’t underestimate the power of curb appeal! 🏡✨

Your front yard is the first impression your home makes—and a beautiful one can make ALL the difference. 🌿🌸

✨ Fresh landscaping
✨ A pop of color
✨ Clean walkways
✨ Welcoming entryway

Small upgrades. BIG impact. 👏🏽

09/01/2026

🍂✨ Imagine sipping pumpkin spice in YOUR new living room… cozy blanket, fall candles, and the crisp autumn breeze outside.

🏡 Ready to fall in love with your new home this season? Whether it’s a bigger kitchen for holiday gatherings, a backyard for bonfires, or that dream living room for movie nights—fall is the perfect time to find the one.

Let’s turn your homeownership dreams into reality before the holidays! 🍁

Let’s find your perfect home before the leaves start to fall!

📞 908-405-8152
📩 [email protected]