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Gerald Lucas

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How Many Different Home Insurance Policies Do You Need?, The Home You Should Buy In Every Neighborhood, NJ Homes Sales Stall After Surge

August 26, 2025 Gerald Lucas

How Many Different Home Insurance Policies Do You Need?

Real Estate Tip:

Buy property that is consistent with other property in the neighborhood. It's smarter to buyer the cheapest rather than the most expensive house in an acceptable neighborhood-this increases the odds that your property value will increase and often makes it easier for you to sell.

Real Estate News:

NJ home sales slowed once again, with July projecting a decline of 3% in July after June’s increase of 4%.

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Tags Gerald Lucas, real estate tips, real estate strategies, homeowner's insurance, National Flood Insurance Program, earthquakes, floods
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5 Keys To Qualify For A Mortgage Loan, Strategy To Find The Best Renovation Contractor, Mortgage Rates Move In An Unexpected Direction

August 19, 2025 Gerald Lucas

5 Keys To Qualify For A Mortgage Loan

Real Estate Tip:

Get at least 3 difference contractor estimates on any real estate renovation projects you are considering taking on. Make sure each estimate is for exactly the same scope of work so you can make an apples to apples comparison.

Real Estate News:

The average rate on a 30-year fixed mortgage declined to 6.58%, the lowest level in 10 months.

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Tags Gerald Lucas, real estate tips, real estate strategies, debt-to-income ratio, credit score, employment history
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Do FHA Loans Have Higher Interest Rates Than Conventional Loans?, 1st Step When You Do A Property Rehab, Big Change In Number Of NJ Properties For Sale

August 12, 2025 Gerald Lucas

Do FHA Loans Have Higher Interest Rates Than Conventional Loans?

Real Estate Tip:

Line up multiple potential funding sources first as you plan a property rehab, renovation or fix & flip.

Real Estate News:

The number of homes being offered for sale continues to rise in NJ, increasing by 48% since the beginning of the year.

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Tags Gerald Lucas, real estate tips, real estate strategies, house flipping, property flipping, fraud, FHA loans, conventional mortgage loans, APR, PMI, home equity
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