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Jack and Jill Team Blog

Friday, February 17, 2023   /   by Jack W. Zaborowski

How to Choose Interior Paint by Sherman Williams

The type of paint you'll use depends on how the room to be painted will be used and the type of finish you want. 
Interior paint is specifically formulated to provide:
Scrubbability and stain resistance
Good hiding ability
Good coverage
Spatter resistance
Easy touch-up

Latex or Oil?

Interior house paints are either latex- or oil/alkyd-based. Today, most oil-based paints are made with synthetic resins (alkyds), which makes them the best type of paint for interior walls when compared to paints based comprised on natural oils. Each has different characteristics and uses.
Your neighborhood Sherwin-Williams paint expert can provide advice about which paint is right for your project.


Get the longest-lasting finish with the best gloss retention. Sherwin-Williams latex paints are easy to work with, dry quickly and are extremely durable. Latex paints clean up easily with soap and water.


Good adhesio ...

  home improvement

Tuesday, February 14, 2023   /   by Jack W. Zaborowski

5 Home Improvement Projects That Pay Off


5 Home Improvement Projects That Pay Off
By: Lynn Ettinger
Not feeling like a big spender these days? Check out the rewards of small home improvements.
How can myths sound so right yet still be wrong? Take the one that says homeowners need to do a big remodeling project (think HGTV gut rehab) to get a worthwhile return on investment or happiness. Not necessarily, according to the most recent National Association of REALTORS® “Remodeling Impact Report.” The survey found that homeowners can get payback and joy from several smaller, lower-dollar-value home improvement projects. 
That’s good news for the one in five millennials and Gen Xers who had to compromise on the house they bought in 2021. Ditto for potential buyers whose offers were rejected and who are staying put for now. If you’re coping with inflation but eyeing a home improvement, a smaller remodel is worth considering.
Small projects are suit ...

  home improvement

Monday, September 26, 2022   /   by Jack W. Zaborowski


How To Get Your Home Loan Approved With Ease

Following these simple tips and good practices can help mortgage providers be confident in giving you the home loan!

June 10, 2021 by Ultra Mortgage

Photo Provided by Pexels

A loan is a borrowed amount of funds within a repayment agreement. This means paying back the amount based on the interest rate, the total amount of the loan, and the duration determined by your lender or financial provider. Most people will consider applying for a loan to pay for assets, education, business capital, or instances where one’s demand for money is of utmost importance.
Certain factors may affect one’s loan application, such as credit, debt-to-income ratio, work history, and assets. It is crucial to keep your financial standing in check so that nothing affects the decision made once you’ve submitted initial loan application documents.
Some things to avoid when applying for a home loan:

Transferring or quitting you> ...

  mortgages; mortgage application

Monday, September 26, 2022   /   by Jack W. Zaborowski


August 12, 2021 by Ultra Mortgage 
Credit scores are considered a fundamental measure to determine an individual’s capability to handle financial obligations. It has an impact on transactions such as mortgages, credit cards, auto loans, and more. In fact, for lenders, it’s a qualifying factor to gauge one’s creditworthiness. Some of the investigated elements are your total debt, the number, and types of accounts, and the number of late payments for any existing credit.
Understanding what influences your credit score can help you maximize your score before applying for a loan and getting the best rate for your mortgage. Let’s look at what you need to know:
What is a good credit score?
According to Equifax, “although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good, and 800 and up are considered excel ...

Monday, September 26, 2022   /   by Jack W. Zaborowski



September 10, 2021 by Ultra Mortgage 
If you’re in the process of purchasing your first home, chances are you feel a little unsure about how to go about it. You’ll probably seek the advice of family, friends, colleagues, or even experts… but guess what, they may not all be accurate. Falling for these might even lead to disappointment and discourage you from buying that property.
No one handbook tells you how to go about [probably] the biggest purchase of your life. Many resources will tell you one thing or another, but we’re here to set the record straight around misleading myths relevant to home buying.
Myth #1: “I have to put a 20% down.”
According to this resource, a median listing price in America is around $385,000—20% of it can be daunting for many people. What you need to know is that this percentage serves more as a guideline rather than a fact. On average, down payments on ho ...

  mortgages; mortgage application

Jack And Jill Zaborowski
28 Valley Road #1
Montclair, NJ 07042
Jack and Jill at the Shore

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