FEATURED LISTING - BRICK

BRICK A Truely Updated-Mint-Move in Condition Home! Newer Roof '02, Siding '05, Schuco Windows '07, Insulated Garage Door w/opener '05 & Gas Furnace '05! Eat-in-Kitchen Remodeled in '06 with Stainless Appliances & Corian Counter Top w/Ceramic Tile Back Splash! Bathroom with Kohler Fixtures, Ceramic Tile, Jacuzzi Tub & Glass Enclosure! Open Floor Plan Entertaining Area with Vaulted Ceiling in & Skylights! 15x10 Deck! Quiet Neighborhood backs up to Woods on a Dead End Street with Well Kept Larger Homes! $289,000 For more information about this property and to view more photos, visit www.dianeturton.com. Enter listing #20943889.

FEATURED LISTING - POINT PLEASANT BEACH

POINT PLEASANT BEACH Although originally built in 1979 this has been totally redone to like new condition & should be seen by anyone wanting a turn key home at the beach. Multiple baths, hardwood & marble floors, MBR suite w/exercise room, walkin clst and luxury bath. Custom kitchen with maple glazed cabinets, SS appli...ances range w/combination convection, granite counter with center island PEX continuous hot water system, 2 zone heat and A/C all andersen thermopane windows recessed lighting gas FP new roof and vinyl siding. $689,900 For more information and to view more photos visit www.dianeturton.com. Enter listing #20943470.

FEATURED LISTING - POINT PLEASANT

Meticulously maintained colonial featuring 3 nice size bedrooms and 2.5 baths. Come and see this beautiful home with an open floor plan and beautiful hardwood floors on the first floor and a private fenced in yard with deck and awning. Less than a mile to Pt. Pleasant or Bay Head beaches and a short walk to train station. Don't miss this one! $459,000 Call the Point Pleasant Beach Office for details 732-295-0018 or visit www.dianeturton.com and enter listing #20943445.

FEATURED LISTING - BELMAR

1/2 block to beach! Nicely updated town home in North Belmar. Open design with hardwood flrs, large living rm/din rm w/sliding doors to private 25' balcony; den can be used as 2nd bedroom; 1 car garage and carport, front and rear entrances. $449,500 Call the Spring Lake Office for details 732-449-4441 or visit www.dianeturton.com and enter listing #20943165.

FEATURED LISTING - POINT PLEASANT

POINT PLEASANT This property has 215 feet of bulkheading. Heated inground pool, 2 boat lifts, 8000lbs & 100,000lbs. Sold subject to bank approval. AS IS. $649,000 Call the Point Pleasant Office for details 732-295-9600 or visit www.dianeturton.com and enter listing #20943063.

FEATURED LISTING - BRICK

BRICK A rare opportunity to acquire the most spectacular waterfront property on Kettle Creek. This secluded home offers grace & charm, as well as a tranquil & private setting that takes full advantage of open waterviews. Renovated to perfection w/newer cedar shingles that invoke the feeling of Nantucket. Elegant master suite w/French drs leading to lg private deck. Newer bulkhead & roof, high ceilings w/tasteful refinement that is evident throughout. Separate boat slip included. Plus so much more! $829,000 Call the Bay Head Office for details or visit www.dianeturton.com and enter listing #20942990.

FEATURED LISTING - WARETOWN

ADULT COMMUNITY – WARETOWN Greenbriar Oceanaire Golf & Country Club w/18 hole Championship Golf Course. Clubhouse, Driving Range, Pro Shop, In & Outside Pools, Fitness Center, Restaurant & Much more. Home features Grand Cypress Model w/Golf course views, Gourmet Kitchen w/Cherry Wood Cab. S.S.appliances, Granite Counte...r Tops and Tile Fl. & Dinette, 3 Bedrooms, 3 Full Baths, Second Floor Loft, Master Bedroom w/Walk-in closet & Full Bath, Formal Living Rm, Dining Rm, Family Rm w/Hardwood Floors, Sunroom w/Tile Floors. $449,900 Call the Lacey Office for details 609-693-7040 or visit www.dianeturton.com and enter listing #20942818.

FEATURED LISTING

BRICK Magnificent riverfront home with spectacular views from the windows, balconies, & decks that hug this home. Beautiful fl plan w/huge kitchen & family rm. Private In law suite on 1st level w/separate entrance. 75 ft of newer bulkhead w/dock. Cathedral ceilings, stone fireplace in the family rm & decorative gas stove in the front palor, wood trim, moldings, commercial stove in kitchen & so much sunshine abound in this home. Walk to Windward Beach, marinas,& restaurants in this special waterfront community. $1,150,000 Call the Wall Office for details 732-292-1400 or visit www.dianeturton.com and enter listing #20942730.

FEATURED LISTING

SURF CITY House has vinyl siding and newer roof. Features large living area. Home is just a short block to the Beach. Home has a detached one car garage and an outdoor shower. $590,000 Call the Beach Haven Office for details 609-492-7000 or visit www.dianeturton.com and enter listing #20942444.

FEATURED LISTING

ADULT COMMUNITY IN TOMS RIVER The lovely community of Shenandoah Commons was created in 1994 & has just 58 homes - assn. fees are only $35 month! 2 bedrooms, 2 full updated baths, LR, huge kitchen with center island and dining area. Full basement is partially finished plus tons of storage space. Secluded backyard surro...unded by conservation area - no house on one side for lots of privacy! Sprinkler system, c/air, security system, brand new carpets & freshly painted. DON'T MISS OUT ON THIS FABULOUS HOME! $169,995 Call the Toms River Office for details 732-244-7776 or visit www.dianeturton.com and enter listing #20942355

FEATURED LISTING

SEA GIRT Cute as a button Cape style home centrally located in Sea Girt. This classic home features 3 bedrms the 1st flr bdrm currently used as a family room; The kitchen/dining room is very large and updated, great for todays casual lifestyles. The screened in front porch is very private. The landscaping is easy maintenance. Large bedrooms upstairs. Hardwd floors throughout, updated baths new windows, updated electric, decorative molding, fireplace for cozy evenings make this home a perfect weekend getaway. $1,250,000 Call the Sea Girt Office for details 732-974-8700 or visit www.dianeturton.com and enter listing #20942249.

FEATURED LISTING

MANASQUAN Charming 1877 Colonial on oversized 50 x 175 lot on one of the best streets in town! Original wide plank pine floors and oak flooring, large living room w/gas fireplace, dining room with original fireplace, updated kitchen w/sub zero refrig & cozy breakfast nook, front & rear staircases. Many details such as stained glass window, wainscoting, built ins, open beamed ceilings; newer baths, separate master suite, fantastic large & private rear yard w/brick patio - walk to town. This one's a winner! $599,000 Call the Spring Lake Office for details 732-449-4441 or visit www.dianeturton.com and enter listing #20942154.

FEATURED LISTING

LONG BRANCH Fully Furnished And Upgraded 2 Bdrm, 2 Bath 2nd Floor Brighton Model Available For Immediate Occupancy. This Grand Resorts Unit Features Granite Counter Tops, Stainless Steel Appliances, And Hardwood Floors In The Kitchen, Laundry Room Off Of Kitchen, Hardwoood Floors Througout Open Livin...g And Dining Rooms, Master Bdrm With Master Bath And Walk-In Closet, And Parking In The Underground Lot With Extra Storage. Also, Full Access To Clubhouse With Pool, Exercise Room, Billiards, And Meeting Room. $599,900 Call the Ocean Grove Office for details 732-775-2774 or visit www.dianeturton.com and enter listing #20942032.

The Importance of Mortgage Pre-Approval

You wouldn't start shopping around to book a vacation without having a budget in mind. It shouldn't be any different when it comes to buying a home.

You may have convinced yourself that you can afford a home with a double car garage and a family room only to learn later on that it's not the case. Readjusting to homes that are less expensive is disappointing and takes all the fun out of the home buying process.

There are various tools on the Internet that can estimate what you qualify for but it’s best to visit a mortgage specialist for an accurate assessment. They can review your finances and check your credit in order to structure your application in the best light.

Most lenders will also place a hold on the current interest rate for a certain time period to protect you against rate increases. On a $150,000 mortgage, the difference between 5% and 6% is $87 per month or $5,220 over a five year term! Many buyers will leave this to the last minute and potentially miss out on the best rate. Don't be one of them -- make sure you're ahead of the game.

Working with a professional will also help you understand the various options associated with mortgages. Although interest rates are important, there are many other things to consider such as the type of mortgage (fixed/variable or open/closed) as well as the loan's duration. You’ll want to examine all the options to determine which one best suits your current and future financial situations.

Another advantage of mortgage pre-approval comes when it’s time to make an offer on your dream home. Unconditional offers are significantly more attractive to sellers and can knock thousands off the purchase price. In the case of multiple offers, it can mean the difference between getting the home or losing it. If you still need to make the offer conditional on financing, you'll at least be able to attach the pre-approval to your offer.

A mortgage pre-approval can save thousands of dollars and eliminate countless hours of stress. It can even prevent you from losing your dream home as you'll be in a stronger negotiating position. Getting pre-approved is easy, there’s no obligation and it doesn’t cost a cent. Contact a Turton Signature Mortgage Loan Expert today! Visit www.turtonsignaturemortgage.com.

FEATURED LISTING

OCEAN TWP West Allenhurst - A best kept secret for value! This 2 bedroom, 2 bath home on a double size lot is located 1 short block from Deal Lake, 2 blocks from the Train station, and 3 blocks from Main St shopping. This cute shore cottage has been partially updated but needs your finishing touch. A great starter home in a wonderful shore community. Well worth a look at this price. All offers will be thoughtfully considered. $299,000 Call the Wall Office for more details 732-292-1400 or visit www.dianeturton.com and enter listing #20941618.