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Richard Stafford| NMLS# 263366
Loan Officer

Blog Articles

What You Need to Know About Homes with Solar Panels When Buying and Selling

What You Need to Know About Homes with Solar Panels When Buying and Selling

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Solar panels are a great way to become more environmentally-friendly while saving on your energy bills. Some

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Why a Net Promoter Score is an Important Indicator of a Good Lender

Why a Net Promoter Score is an Important Indicator of a Good Lender

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The best mortgage companies will gladly share their NPS, which is why NJ Lenders is pleased to announce that

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With Rents on the Rise – Is Now the Time To Buy?

With Rents on the Rise – Is Now the Time To Buy?

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With rents continuing to rise across the country, renters should consider if now is the right time to buy. There are multiple benefits to buying sooner rather than later. Let’s discuss your options so you can make your most powerful decision.

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Federal Housing Administration Takes Steps to

Federal Housing Administration Takes Steps to Remove Barriers to Homeownership For Those With Student Loan Debt

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In 2021, there are 45 million borrowers who collectively owe approximately $1.7 trillion in student loan debt

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What Do Experts See on the Horizon for the Second Half of the Year?

What Do Experts See on the Horizon for the Second Half of the Year?

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As we move into the latter half of the year, questions about what’s to come are top of mind for

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Applying for a Mortgage with a Credit Freeze

Applying for a Mortgage with a Credit Freeze

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Unexpected data breaches can leave consumers’ Personally Identifiable Information (PII) exposed,

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Building Your Business Credit When Your Self Employed

Building Your Business Credit When Your Self Employed

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If you are a business owner or if you are looking to start a new business, one of the most overlooked

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Home Equity Reaches Record Highs- 6 Ways to Put Your Equity to Use

Home Equity Reaches Record Highs- 6 Ways to Put Your Equity to Use

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Homes with a mortgage gained an average of $26,300 in equity during the last three months of 2020 versus a

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3 Things Self-Employed People Need to Know When Securing a Mortgage in 2021

3 Things Self-Employed People Need to Know When Securing a Mortgage in 2021

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The term self-employed includes those that own 25% or more of any business entity, corporation, LLC, etc.,

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2020 Tax Preparation Checklist If You Own Rental Properties

2020 Tax Preparation Checklist If You Own Rental Properties

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Real estate tax rules can vary greatly depending on the type of property and form of ownership, such as an

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Everything Homeowners Need to File Their Tax Return in 2021

Everything Homeowners Need to File Their Tax Return in 2021

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Whether you’re an existing homeowner, recently bought a new home, or decided to refinance your home in

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Why You Shouldn’t Wait to Purchase or Refinance Your Home in 2021

Why You Shouldn’t Wait to Purchase or Refinance Your Home in 2021

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With spring on the horizon and vaccines becoming more widely available, a return to normalcy could be

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Here’s Why Your Refinance Mortgage Might Have a Higher Rate Than Your Purchase Mortgage

Here’s Why Your Refinance Mortgage Might Have a Higher Rate Than Your Purchase Mortgage

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As of December 1, 2020, the Federal Housing Finance Agency (FHFA) has introduced a new refinancing fee,

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Four Expert Views on the 2021 Housing Market

Four Expert Views on the 2021 Housing Market

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The housing market was a shining star in 2020, fueling the economic turnaround throughout the country. As we

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How to Handle Student Loan Debt When Buying a Home

How to Handle Student Loan Debt When Buying a Home

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Student loan debt can discourage potential homebuyers in a variety of ways. Between raising your

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