Petra Best Realty LLC
(732) 442-1400

Petra Best Realty LLC
329 Smith Street
Perth Amboy, NJ 08861

Perth Amboy NJ Home Energy

Limiting energy usage in your Perth Amboy NJ home is not only helpful to the environment but will also reduce your expenses. There are things that you can change all year long. Below you will find property energy saving tips for Perth Amboy NJ real estate.


The strategy to manage the temperature in a house can depend on the type of heating system. Forced hot air heaters heat a home in a short amount of time, whereas hot water systems take significantly more time. If you have a forced hot air unit, drop the settings drastically and set it to increase shortly before your planned arrival time. For hot water systems, allow the system more time to heat up to the designated temperature.

Air Conditioning Additional Tips

Placement of air conditioners is something that you should think about. For central systems, the best location for vents is close to the ceiling since cold air falls. For free-standing systems, avoid placing them near doorways that open often and allow cold air to escape.


Appliances use electricity even when they are idle. For instance, an LCD or plasma TV takes roughly 400 watts when turned on and 4 watts when not in use. When you add up all of the electronics in a house, it can add up to a lot of idle electricity over a year. Consider unplugging electronics that are not frequently used. To help facilitate this, consider plugging cords into a surge protector and turning off that protector.

Water Waste

Water is probably the most misused resources in Perth Amboy NJ residences. At the very least, try not to leave water running while brushing your teeth or washing dishes. Immediately correct plumbing leaks or running toilets. Consider low water usage toilets or place a water displacement object into the tanks of older toilets to reduce the amount of water held for flushing. Low-flow faucets and shower heads can also help. These alterations will save on both water and sewer costs.

Monitoring Air Leaks

Keep doors and windows shut to maintain the heating or air conditioning in your Perth Amboy NJ home. If you have doorways with two sets of doors, avoid having both open at the same time. This will minimize the amount of air that leaves your residence.

Light Fixtures

Make use of natural sunlight whenever possible to illuminate and warm up interior spaces. Use solar powered outside lights. Energy saving light bulbs are readily available and most are brighter and run longer than their normal counterparts, making the upgrade an easy decision.

Property Energy Saving Tips – Perth Amboy NJ

Many of the property energy saving tips – Perth Amboy NJ above are quickly implemented while others require you to be more conscious of your daily practices. Together, they can lead to some savings on your routine utility bills. Practice energy reduction at all times in your Perth Amboy NJ residence to see the most benefit from your efforts.

Pests such as insects and ants can cause a health hazard to you and your family. There are many things that you can do to control pest infestations in your home, including chemical and non-chemical alternatives. The EPA offers a guide to pest management on their website. Once a pest infestation occurs, it can be exceptionally painful to address. To prevent pest issues to begin with, apply some basic precautions. Below are suggestions for pest prevention in Perth Amboy NJ properties.

Daily Pest Prevention

Address Water

All organisms need water for survival, so it is important to minimize the moisture in your home. Stop leaky plumbing and do not let water build up anywhere in or around your building. Remove water-damaged materials. Even high humidity can draw in pests, so use a dehumidifier in damp areas of your property. Eliminating moisture will make it less attractive to pests.

Common Hiding Places

Eliminate any likely indoor hiding places such as large quantities of newspapers, paper bags, and boxes kept for enduring periods of time. These easily collect moisture and render desirable hiding places for rodents. Consider using plastic bins instead of boxes for long-term storage necessities.

Cover Entryways

Stop unwanted critters from having convenient access to your property by eliminating cracks in floors, walls, and ceilings. Install screens on floor drains, windows, and doors to block flying insects from freely entering the home. Attach weather stripping to doors and windows to fill any obvious gaps. Particularly in summer seasons, keep doors shut to minimize access into your home.

Forgetting Food

Be sure not to leave food out on counters and in sinks. This attracts pests into your home and allows them to remain nourished. Think about using storage that seal air-tight. Trash receptacles can also attract pests, so find options that contain smells. Use a garbage disposal if possible to reduce the amount of waste thrown in your trash to begin with.

Insects look for nooks to live that address basic needs for air, moisture, food, and shelter. The best way to control pests is to stop them from entering your property in the first place by removing the elements that they need to live as detailed above. Taking these simple steps can prevent the need for more costly measures later on. These suggestions for pest prevention in Perth Amboy NJ properties was compiled by Enrique Hernandez at Petra Best Realty and is intended to be only a basic overview.

New York CityWith a Republican majority poised to take control of the U.S House next week, there has been much speculation as to the fate of real estate mortgage finance companies Fannie Mae and Freddie Mac.

The two government-sponsored entities were turned into government-run entities in 2008 after the housing crisis nearly killed them. These two companies guaranteed about half of all loans in the U.S at the time the housing bubble burst, and today, as of the first quarter of 2010, they (together with the Federal Housing Administration and the Department of Veteran Affairs) have backed roughly 90 percent of the country’s new loans.

While clearly an important part of keeping the lending lines open at this time, tax payers have had to foot the bill for the Fannie and Freddie bailout, paying about $134 billion to date, and there is talk of at least another $20 billion going their way to keep things rolling. By comparison, as a recent Wall Street Journal piece by Alan Zibel pointed out, the projected total cost of bailing out the rest of the financial industry (under the Troubled Asset Relief Program) is a mere $25 billion.

Proponents of continuing federal support for Freddie and Fannie say that the housing market could not survive without them at this point.

New Jersey Homes“We don’t believe that the private market – right now – is willing or able to provide the liquidity that’s necessary to get us out of this,” said Joe Stanton, chief lobbyist for the National Association of Home Builders, and Vince Malta, vice president of the National Association of Realtors, contends that “to erode that support right now would be a disaster.”

Democrats generally have supported an enlarged role for Fannie and Freddie in order to ensure that minorities, poor, and rural citizens have access to homeownership.

Some, especially Republicans, have made the case though, that by so heavily relying upon the two entities to prop up the housing market, it is preventing private lenders from jumping back in to the scene, requiring tax payers to pay the cost.

Rep. Randy Neugebauer (R., Texas), a former banker and housing developer who serves on the House Financial Services Committee, while not supporting an immediate pullout from Freddie and Fannie, does believe that “at some point, you’re going to have to put some pressure on the private market to start picking up that slack.”

Earlier this year many Republicans were hot to rid the federal government of these money-sucking giants, but as their turn for power has drawn nearer, the tone has seemed to moderate.

Back in March, Rep. Jeb Hensarling (R., Texas) declared that “of all the dumb regulation that caused our economic crisis, none was dumber than that which created the (Fannie and Freddie) monopolies.” And many in his party were calling for the privatization of both companies or a quick switch from a conservatorship to a receivership.

Perhaps this statement from Rep. Scott Garrett (R, N.J.) who will be the chairman of the House Financial Services subcommittee, is most telling about the near future of Fannie and Freddie.

“We recognize that some things can be done overnight and other things can’t be. You have to recognize what the impact would be on the fragile housing market as it stands right now.”

It doesn’t look like we’ll be seeing major change anytime soon.

Advantages And Disadvantages Of Financed Mortgage Insurance

Mortgage insurance (MI) protects mortgage companies against borrowers defaulting on loans. It is commonly required by a mortgage company on loans with a down payment that is less than 20% of the purchase price and is normally paid by the borrower in monthly premiums. For price sensitive buyers, this can make purchasing a home less affordable. Financed MI is a alternative to monthly premiums. In this blog you will find the advantages and disadvantages of financed mortgage insurance.

Explanation Of Financed Mortgage Insurance

Financed MI allows a borrower to cover the insurance cost at closing and roll the cost into the balance of the mortgage. It is an option on both fixed rate and adjustable rate programs. It is helpful to weigh the advantages and disadvantages of this arrangement.


Benefits of Financed MI

Financed MI reduces the total monthly expense. The applicable cost of the insurance is generally low when spread over the life of the loan. It can also offer the most tax benefits as not all home buyers can use a tax deduction for annual mortgage insurance premiums.


Disadvantages of Financed MI

There are a couple of disadvantages to financing MI. Since the cost of MI is included in the principal of the mortgage, the borrower is beginning with a larger loan amount. Furthermore, the total price is being paid at closing so closing costs increase. If the loan is paid off early, the cost of MI will be relatively higher than the monthly option.

Comparing MI Options

Financing MI can be helpful if you plan to hold on to a mortgage for more than a few years and/or if you require a reduced monthly payment. If you know that you will pay off your loan within just a few years, it might be a better idea to pay the insurance monthly. This advantages and disadvantages of financed mortgage insurance is provided for reference only. To identify the best option for your particular needs, speak with a mortgage professional.


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