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YOUR REAL ESTATE LIBRARY RESOURCE CENTER

In support of our mission, this resource center places real estate related information at your fingertips.  Its purpose is to allow you to gain a new or deeper awareness and understanding of areas of real estate that effect you, to receive guidance, obtain the latest news, provide tools such as calculators, and to enable you to make better and more informed decisions.

We have the breadth of experience and the technical depth of skills to handle any requirements and support you with personal services customized to meet your desires and needs.

Click on any corresponding links in the resources list below or on the navigation window at left to begin.   If you would like help in finding answers to your questions, please contact us.     For more resource links, click here.

CATEGORY	RESOURCE	DESCRIPTION
Recommended Books	Real Estate Bookstore	Recommended books for your information fulfillment, educational enrichment and enjoyment; covering topics such as, general real estate, residential, commercial, investment, property management, personal development and more. Fast - Easy - Convenient - Secure Online ordering. Discounts on most books when ordering through this bookstore.  Powered by Equerry.com.
	REFERENCE/RESOURCE LINKS
General / Residential
	Real Estate News, Tips, Searches	News, Tips, Searches, Current Rates, Mortgage Calculator, Featured Listings, Guides and more.
	Real Estate Tips     Buying Your Home     Selling Your Home     Owning Your Home	Buying - includes 10 tips to Successful Home Buying' Selling - preparations for best results; Owning - price appreciation, improving, refinancing, taxes, insurance, associations.
	Real Estate ABC'S     Selling Section     Buying Section     Glossary	Buying, selling, mortgages, calculators, what to do and what not to do, tips, advice, and glossary.
	Real Estate 101 (Realtor.com)	Buying, Selling, Home types and styles, information on neighborhoods, and more.
	The Front Door - Real Estate     Shopping & Selling     Financing     The Deal     Moving In	Tips and Advice on Real Estate Buying and Selling,  House Lifespans, Financing, Closing, Moving (Planning, Timeline, Packing, Painting, Landscaping).  [Tribune Media Services]
	Real Estate Guide	Common real estate questions and answers regarding buying, selling and owning a home, mortgages, investing.
	Advice for Buyers	How to buy, when and what to buy. [Provided by Inman News Service.]
	The Process of Selling Your Home	Here are summary notes from one of our selling seminars (with extensive reference links) discussing the 10 basic steps of the home selling process that you need to understand before placing your home on the market.
	The Process of Buying Your Home	Summary notes (with extensive reference links) discussing the basic steps of the home buying process that you need to understand before beginning your search.  [See also, Buying A Home - Questions and Answers  (HUD Article)]
	Selling Your Home	How to sell your home. [Provided by Inman News Service.]
	Real Estate News	Realty Times news and advice provided by Service One Area Realtors (SOAR - South Jersey Realtor board).
	Rent vs. Buy	What's The Smarter Choice? Use these tools and related resources to help you to determine if and when you should be buying instead of renting and how much you can afford.
	Relocation Tools	Our relocation tools will help you whether you're buying a home, selling your home, or relocating.  Use these interactive tools to stay organized, make the right decisions, and keep more of your own money: City Reports, Relocation Wizard, Community Close-ups, Salary Calculator (how much are you worth in new location, or what do you need to earn to match the level you are currently enjoying), Moving calculator (cost of shipping household goods), Rent vs. Buy.
	Home Buying and Selling Real Estate Guide - Vandema	Directory of home foreclosures, loans and mortgages, calculators, forms and contracts, home improvement tools, listing resources and more
	Reals.com	A comprehensive real estate directory.
	Real Estate Glossary	Common Real Estate terms.
	Real Estate Glossary - General	Regularly used Real Estate terms. (Provided by the e-PRO organization.)
	Real Estate Glossary - General #2	Definitions for common real estate and legal terms.
	Real Estate Abbreviations	Abbreviations appearing in real estate listings and what they mean.
	Real Estate Encyclopedia Search	(Enter Your request above to search our real estate definitions database of over 3000 entries.)
	AHS Home Warranty	Home warranty company -- insurance protection coverage for those that are buying or selling a home.
		Note: On-going maintenance service contracts for A/C, heating systems, refrigerators, stoves, etc. are also available through your local gas and electric companies.
	(See LOCAL resources page)	For New Jersey specific resource links to area services, demographics, statistics, maps and more. (See also National page.)
Mortgages		Request Mortgage Pre-Approval
Rates + Calculator	Introduction	Brief introduction to mortgages.
Mortgage Glossary	Pre-Qualify vs. Pre-Approval	Discusses the difference between becoming pre-qualified and pre-approved, their benefits and what information is needed for the pre-approval process.
Quick Calculator       More Calculators	The Mortgage Professor     Shoppers - Building/Purchasing     Purchasers     Owners     Mistakes To Avoid     Calculators     Glossary     Spreadsheets (download into Excel)	All about mortgages: first-time shoppers, building or buying a home, purchasers, owners; includes calculators, mistakes to avoid, glossary, spreadsheets (download into Excel), refinancing, second mortgages, debt consolidation, types of loans (including FHA) and more.
Daily Rates Survey	Mortgages 101     Current Interest Rates     Daily Rates Survey (Averages)     Mortgage Calculators     Down Payments     Loan Programs     Refinancing     Inman Real Estate News / Information	Mortgages, loans (including FHA and VA), refinancing, loan rates, credit ratings, appraisals, bankruptcy, calculators,  and more related services.  Sign up for the mortgage newsletter. (NOTE: While this resource site, provided as a free service to you, may contain a lot of informative articles, news and useful loan calculators, it is not an endorsement of any loan company you may find in that section of the site.)
	PHH Mortgage Center	Calculate your mortgage and get pre-approved online. View Current Rates. They also have experience working with military personnel and can also handle VA and FHA mortgages.  PHH Mortgage is a national company, headquartered in South Jersey.
	Real Estate ABC'S     Mortgage Articles     Calculators	Buying, selling, mortgages, calculators, what to do and what not to do, tips, advice, and glossary.
	Specialty Mortgages Brochure	Brochure (in PDF format), by the National Association of REALTORS® (NAR) and the Center for Responsible Lending (CRL), warns  consumers to do their homework on interest-only loans and specialty mortgages and thoroughly understand the risks.  (Click on resource link to download.)
	How Much Can You Afford?	Mortgage calculator will help you determine loan amounts, affordability, mortgage qualification, or whether you should be renting or buying.
	HomeBuyerFunds.com	Designed for people looking to buy a home (especially for the first time) or currently own a house in need of repair, with an online homebuyer education course and  downloadable buyer worksheets. Their Funds Finder Tool will retrieve affordable housing programs that offer financial assistance on home ownership and/or home rehabilitation, ranging from free grants to zero-percent interest loans.
	IRS - Refinancing Your Home	IRS tips for deducting the costs of refinancing your home.
	Credit Score Estimator	Want a quick idea of how lenders are likely to rate your credit? The FICO® Score Estimator, created by the inventor of the FICO® score -- Fair Isaac -- will evaluate the information you enter and estimate your credit score range based on that information.  Additional simulations and access to actual scores are available at the Fair Isaac web site: MyFICO.com
	Financial Calculators	Calculators for Mortgages and Loans.
	MBAA Online	Mortgage Bankers Association of America - Online.
	MBA Online	Mortgage Bankers Association - Online.
	FHA Mortgage Limits	Look up the FHA mortgage limits for your area or several areas
	Financial Calculators	Financial and Real Estate calculators, including real estate balloon mortgage calculator, provided by Nolo.com Law site.
	How to Calculate Tables	Tutorial on how to calculate mortgage amortization tables by hand and also using your spreadsheet.
	BankRate.com	Information on more than 100 financial products including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and ATM fees, home equity loans and online banking fees.
	Reverse Mortgages	This site is for consumers interested in learning more about reverse mortgages. The information provided on this site is provided by the National Reverse Mortgage Lenders Association (NRMLA).  Click here their reverse mortgage calculator.
Government
	VA Loan Guaranty Program	Information, Eligibility requirements, Services, Property Management (Property Listings), Forms, etc.
	How To Buy A HUD Home	FAQs (Frequently Asked Questions) about buying a HUD home.
	HUD Online Library	Links to most requested HUD information grouped by category.
	HUD Consumer Information	HUD consumer news and resource information main page.
	Fannie Mae - Calculators	True Cost Calculator for components effecting buying a home and obtaining a mortgage
	Fannie Mae - Homepath	Home Buyers and Homeowners - tools, resources and content - tips, checklists, worksheets, glossary and more.
	FHA Loan Closing Cost Calculator	FHA loan closing cost calculator.
	Freddie Mac	Homeownership Guide: Your Route to Homeownership
	House Price Index	Provided by the Office of Federal Housing Enterprise Oversight (OFHEO) on a quarterly basis. (See how much your house has appreciated.)
	Tax Information - Online from the IRS      Online Publications (General)      Online FAQs (General)      Tax Stats	Information direct from the IRS.   First-time homeowners   Homeowner deductions information   How to report moving expenses   Selling your home
		For more government resource links, click here.
Commercial
	Best Properties in NJ	Commercial Resources and Services. We Get Results!
	Commercial Loans	All about commercial loans. (NOTE: While this resource, provided as a free service to you, may contain a lot of informative articles, news and useful loan calculators, it is not an endorsement of any loan company you may find in that section of the site.)
	CIRE Magazine Online	Commercial Investment Real Estate Magazine
	Commercial Real Estate News	Commercial news from REALTOR® Magazine online.
	Commercial News	Inman commercial daily news stories.
	Commercial Real Estate Direct	Commercial Real Estate news online.
	Commercial Property News	Commercial Property News (CPN Online). Click here for alternate address.
	Emporis Buildings	Emporis Buildings bills itself as the world's largest publicly available database on architectural and building data.  Find data and images for high-rise buildings and other structures in more than 10,000 cities worldwide along with local information.
	Small Business Administration	U.S. government agency web site. (SBA)
	Black's Guide	Commercial Real Estate Directory - providing commercial real estate information in 20 major markets nationwide, with a database of more than 88,000 office and industrial properties.
	Glossary of Real Estate Terms	Real Estate terms used in Commercial Real Estate provided by Black's Guide.
	Commercial Defeasance Calculator	Commercial defeasance calculator. Click here for related glossary. Click here for "Anatomy of a Defeasance".
	Commercial Real Estate Resources - Vandema	Commercial real estate statistics, directories, forms and contracts, databases, listing services, news, journals, discussion groups, maps, software etc.
	FindLaw for Small Business	Introductory information about legal aspects of commercial real estate: leases, zoning, lease vs. purchase, determining location, etc.  (Good introductory overviews with objective of encouraging you to contact an attorney.)
	(See LOCAL resources page)	For New Jersey specific resource links to Area / Economic Development services, demographics, statistics, maps and more. (See also National page.)
		(See also Property Management and Investments categories below.)
		For more resource links, click here.
Investments
	Investing in Real Estate - Q&A	Brief introductions to investing in: Foreclosures; Fixer-Uppers; Condos, Apartments & Single Family; Vacation Homes.
	Investing in Real Estate - Tips	Tips for investing, including "10 Secrets to Investment Success".
	REITs.com	National Association of Real Estate Investment Trusts (REITs)
	Creative Real Estate Online	Creative real estate investing, residential and commercial.
	National Real Estate Investor	Online version of the magazine.
	REIClub.com	Real Estate Investment Club - Investor information, training, forums, books, courses.  Click here for their real estate glossary of terms and abbreviations.
	Foreclosure Search (NJ)	Free online search of all foreclosed properties in NJ.
	1031comex.com	1031 tax deferred property exchange and resource center, Net leased property search.
		(See also Commercial Category above and Property Management category below.)
Trusts, Estates, Legal
	Trusts and Estates Magazine	Online version of magazine with the same name
	Estate and Retirement Planning	Articles by a lawyer, some dated, some directed toward a professional.
	Internet Law Library Internet Law Library (alternate site) Internet Law Library (alternate site)	The Internet Law Library (originally developed by the U.S. House of Representatives) includes general and various state specific articles on subject as well as other areas.
	FindLaw	Wills, Trusts, Estates and Probates - for legal professionals, business owners and individuals.  Site has additional topic areas and resources.
	Internal Revenue Service	FAQs (Frequently Asked Questions) regarding trusts, What is a trust, business trusts, etc.
	NJ Law Network	About wills, estates and trusts in NJ
	ACTEC	Web and legal resources, tools, calculators, tables, etc. from the American College of Trust and Estate Council
	ABA Network	Section on Real Property, Probate, and Trust Law
	Cornell Univ. - LII	Legal Information Institute - estates and trusts: an overview  (Main: Legal Information Institute.)
	Univ. of Iowa	Online course materials on Trusts and Estates
	Tax Sites	Tax and Accounting Sites Directory
	CanLaw.net	Canadian Law regarding estates, wills, trusts, etc.
	ALSO	American Law Sources Online: providing a comprehensive, uniform, and useful compilation of links to freely accessible on-line sources of law for the United States and Canada
	Washburn School of Law	Washburn School of Law web site: legal resources.
	Online Legal Resource Center	A free service to help consumers and businesses resolve legal issues.
Property Management
	Landlord.com	Information, tools, forms, advice for landlords.
	MrLandLord.com	Rental owners ask 'landlording' questions and get answers and tips from other landlords
	BuildingManagement.com	Online publication for building owners and managers (building repair and maintenance, pest control, landscaping, ergonomics, attracting and retaining tenants).
	Property Risk Management	Property section of Risk Management resource library.
	BOMA	Building Owners and Managers  Association
	NAIOP	National Association of Industrial and Office Properties.
	ICSC	International Council of Shopping Centers.
	NAA	NAAHQ - National Apartment Association.
	NMHC	National Multi Housing Council.
	ULI	Urban Land Institute.
	IREM	Institute of Real Estate Management.
		(See also Commercial and Investments Categories above.)
Farms
	Small Farm Program - USDA	Focused on needs of small farmer, including links on Getting Started, etc.
	Farm Management	Links from Univ. of West Virginia
	The Small Farm Resource	Information of use to people with small farms or rural property
	US Farm Service Agency	USDA Farm Service Agency - Online
	Equerry.com	Equestrian Resources
		For more resource links, click here.
Other
	Realty Reality	Read my Blog: Realty Reality - from a RE/MAX Realtor - (direct link and RSS Feed).   Covering Commercial, Residential, Investment news highlights, information and resource links, as well as topics for personal growth, support, understanding and healthcare.  (Don't forget to check out my archived entries.)
	Resource Articles	Articles of interest, reports and newsletters covering a wide range of real estate and various other topics compiled and/or written by yours truly! :-)
	Real Estate Information	Repository of articles on a wide range of real estate topics, many introductory and/or tutorial.
	Cal. State Univ.	Real Estate Links: Academic, Research, Economic, Financial, Federal, General Interest, GIS, Maps, Journals, News, Mags, Law, Land Use, Planning, Organizations, Regulatory Agencies
	Builder's Glossary of Terms	Just type in the term and this software brings you back the definition!
	Seniors Real Estate	Real Estate Resources for Seniors - Buying, Selling and Investing
	Borrower.com	Spreadsheet Templates For Financial Analysis: Real Estate Development, Home Loan, Personal Loans, Cost/Benefit Analysis, Business loans, Government Entitlements.
	Timeshare Tips	Tips, FTC advertising regulations
	Nursing Home Compare	Provides detailed information about the past performance of every Medicare and Medicaid certified nursing home in the country (over 17,000). Important Information on Nursing Home Compare and other resources, including the Guide to Choosing a Nursing Home, and Nursing Home Checklist are also available to help you with your nursing home choice.
	Global Real Estate Project	Univ. of Denver's site for real estate and real estate trends in over 80 countries.
	Historic Preservation	The National Trust for Historic Preservation is a privately funded non-profit organization that provides leadership, education, advocacy, and resources to save America's diverse historic places and revitalize our communities.
	Feng Shui for Home and Business	Provides introduction and services for Feng Shui, the ancient philosophy of harmonious placement and balance within a space -- for home and business -- whether buying, owning or selling.
	Home Inspectors	Search national directory for home inspectors.
	Hoovers.com	Hoovers.com, a D&B service, provides company, industry, and market intelligence. It has a free and a subscription component.
	Online Conversions	Convert just about anything to anything else.  Over 5,000 units, and 50,000 conversions
	National Auction List	The National Auction List is an online database of live auctions by AuctionServices.com.
	View your neighborhood from the sky	View any neighborhood in the country from the sky. (See also our "Satellite Images / Maps" section on the General resources pages.)
	Greener Buildings	The nonprofit group GreenBiz.com and the U.S. Green Building Council are behind this information-packed site, which provides free resources for environmentally responsible building development. You can learn about eco-friendly Building Materials—an important topic considering that buildings account for 60% of the raw materials used in the United States—and find out how to create healthier building Interiors. This well-designed site provides related news for each topic, as well as thorough background information and links to organizations. Other topics include Architecture & Design, Facility Management, and Land Use.
	EnergyGuide	It isn't cheap to heat a home or business in the winter, cool it off in summer, or run the plethora of appliances found in today's homes. On this site, you'll find free tools to pinpoint areas where you can cut costs—making it a handy resource to recommend to clients. You can Analyze Your Use and get energy-saving ideas by entering your ZIP code and completing a home-profile survey. Or tap into one of the site's EnergySaver Calculators to determine how much money you would save by replacing an old appliance, such as a water heater, washer and dryer, or refrigerator, with a new energy-efficient model. There's also a page to help you Choose Green, which generates a list of the companies in your area that sell electricity products using wind, solar, small hydroelectric, biomass, and geothermal resources.
		For more resource links, click here.
Rentals
	Rental Housing Online	On-line encyclopedia of rental housing,  real estate investing and law subjects. For both tenants and landlords.
	HUD Guidelines for Renters	Looking for an apartment or house to rent? It can be both exciting - and frustrating. Read these tips for HUD before you begin.
	HUD Information for Landlords	Information for landlords regarding Section 8, vouchers, regulations and recommendations.
	How Much Can You Afford?	Mortgage calculator will help you determine loan amounts, affordability, mortgage qualification, or whether you should be renting or buying.
	Renter Center	Resource page within this site with information and resources for renting / leasing property.
		(See also Property Management category above.)
Home Improvements
	Better Homes and Gardens	Online version of magazine.  Check out their "How-To Encyclopedia of Home Repair". (Warning: site has pop-up advertisements.)
	National Gardening Association	National Gardening Association (NGA) - all about gardening, lawns and landscapes.
	Hometime	Online site of PBS TV program of the same name - home improvement, remodeling, and repair information.
	BobVila.com	Bob Vila's, "The Ultimate Home Site", with home improvement How-To library, Design Tools, get answers to questions.
	Kitchen and Bath	Resources - Q&A, How To's, tips, ideas, new products and vendors - related to kitchens and baths.
	National Kitchen and  Bath Association	This site offers tips on creating a budget, selecting a designer, and crafting the look of your new dream room. Unlike other remodeling Web sites, this one focuses exclusively on kitchens and bathrooms and is geared towards consumers who plan to hire a professional rather than do it themselves. It's a good resource for buyers who are looking for a fixer-upper or sellers who want to make improvements to boost the value of their home.
	Remodeling Magazine Online	Online web site of Remodeling Magazine.
	Remodeling Online	Special Features: Cost vs. Value
	DoItYourself.com	Do-it-yourself home improvement, repair and remodeling.
	Ask The Builder	Home Building, Remodeling and Improvement Tips by Ask the Builder syndicated columnist, Tom Carter.
	ASHI - Home Inspections	American Society of Home Inspectors.
	AHS Home Warranty	Home warranty company -- insurance protection coverage for those that are buying or selling a home.
NJ Plants and Land Use
	NJ Nursery and Landscape Association	Main web site for New Jersey Nursery and Landscape Association (NJNLA).
	Native Plant Society of NJ	Native Plant Society of NJ (NPSNJ) is a is a statewide non-profit organization founded for the appreciation, protection, and study of the native flora of New Jersey.
	Native NJ Plant Resources	Native New Jersey Plant list and sources provided by Rutgers University and part of it's Restoring NJ Riparian Forest Buffers project.
	Plants of the NJ Pine Barrens	An online pictorial database of New Jersey Pine Barrens plants, plant identification key tool, sights and related links.
	NJ Pinelands Commission	The Pinelands, an internationally important ecological region,  is 1.1 million acres in size and occupies 22% of New Jersey's land area. It is the largest body of open space on the Mid-Atlantic seaboard between Richmond and Boston and is underlain by aquifers containing 17 trillion gallons of some of the purest water in the land.  The Pinelands Commission was formed to protect and enhance its natural and cultural resources.   It impacts most developers and property owners, especially in South Jersey.  Here you will find anything related to the commission:  announcements, restrictions, guidelines, application forms, education and related links.
	Pinelands Preservation Alliance	Homesite of non-profit group dedicated to preserving and protecting the resources of the New Jersey Pinelands.
	Assoc. of Environmental Commissions	Association of NJ Environmental Commissions (ANJEC) is a statewide non-profit organization that assists the efforts of environmental commissions, local officials, interested citizens, private organizations and government agencies.  Online publications and extensive links page.
	NJ Environmental Digital Library	NJ EDL is a joint venture of the NJ DEP and Rutgers Univ.  Its mission is to collect, organize, and make available digitized materials on New Jersey's environment - emanating from the state's government agencies, non-profit and non-governmental organizations, research institutes, and academic departments - for the use of students, scholars, citizens, and government officials.
	Delaware RiverKeeper Network	Is a nonprofit, membership organization that has worked since 1988 to strengthen citizen protection of the Delaware River and its tributary watersheds. An affiliate of the American Littoral Society, a national conservation group,
	Garden State Greenways	Garden State Greenways is for all those involved in conserving open space, farmland, and historic areas – from local to statewide levels. Resources include county maps and municipal database.
		For more property support resource links, click here.
	Real Estate Bookstore
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