Buyer's Guide
Expert guidance through every step of your home buying journey in New Jersey. From pre-approval to closing, Cheryl Towey is dedicated to making your dream home a reality.
The Home Buying Process
A clear roadmap to guide you from your first consultation to closing day
Get Pre-Approved
Start with a mortgage pre-approval to understand your budget and show sellers you're a serious buyer.
Define Your Needs
Work with Cheryl to identify your must-haves, preferred locations, and lifestyle requirements.
Search Properties
Tour homes that match your criteria with expert guidance on neighborhoods, values, and potential.
Make an Offer
Craft a competitive offer with professional negotiation to get the best terms and price.
Home Inspection
Protect your investment with a thorough inspection and expert advice on any issues discovered.
Close the Deal
Navigate the closing process smoothly with guidance through paperwork, final walkthrough, and keys!
Why Choose Cheryl Towey?
With years of experience in the New Jersey real estate market, Cheryl brings unparalleled expertise, dedication, and personalized service to every client. Her commitment goes beyond the transaction—she's invested in helping you find not just a house, but your perfect home.
Local Market Expertise
Extensive knowledge of Sussex County, Warren County, and surrounding communities.
Exclusive Access
First look at new listings and off-market properties before they hit the public market.
Expert Negotiation
Professional representation to secure the best price and terms for your purchase.
Trusted Network
Connections to top lenders, inspectors, attorneys, and contractors to support your purchase.
"Cheryl made our home buying experience seamless. Her knowledge, patience, and dedication were exceptional. We couldn't have found our dream home without her!"- Happy Homebuyers
First-Time Homebuyer Tips
- ✓Check Your Credit: Review your credit report and score at least 6 months before house hunting.
- ✓Save for Down Payment: Aim for 20% down to avoid PMI, but FHA loans require as little as 3.5%.
- ✓Budget for Closing Costs: Expect 2-5% of the purchase price for closing costs and fees.
- ✓Get Pre-Approved: Show sellers you're serious and know exactly what you can afford.
- ✓Research Neighborhoods: Visit at different times of day and talk to potential neighbors.
- ✓Think Long-Term: Consider resale value, school districts, and future development plans.
- ✓Don't Skip Inspection: A home inspection can save you thousands in unexpected repairs.
Mortgage Calculator
Estimate your monthly mortgage payment and see how different factors affect your home buying budget
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*This calculator provides estimates only. Actual payments may vary. Consult with a mortgage professional for accurate quotes.
Ready to Find Your Dream Home?
Let Cheryl guide you through the home buying process with expertise, dedication, and personalized service every step of the way.