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Diane Newman is one of The Top Selling Real Estate Experts™
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Mortgage Prequalification: Short Hills, Maplewood South Orange, New Jersey home buying, real estate listings, and homes for sale in Essex County,

Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Short Hills, Maplewood South Orange, NJ REALTORŽ to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation...

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Real Estate Contracts >The Sales Price

After your search for a house and all the negotiations are over, you arrive at the the sales price. Finally, you feel some certainty about your bottom line. However, it is not unusual for there to be disagreements about what is included in the sales price. Careful drafting of the paperwork can help to avoid future disputes.

The following definitions may help. Real property is land and any permanent attachments, such as buildings, landscaping and fences. Personal property consists of movable possessions, such as furniture and clothing. A fixture is defined as an item of personal property which has become part of the real property by virtue of becoming permanently attached, such as a new sink, a Jacuzzi, or a chandelier.

The principal area of dispute about the sales price often relates to fixtures. Most preprinted real estate contracts will provide space for the fixtures to be listed. Whether you are selling or buying, you should make use of this space. Do not assume curtains, satellite discs, antennas or fireplace equipment come with the house. You should also make it very clear what you don't want left on the property. If you are specific about every item that may be questionable, you will greatly reduce the chances of a dispute after the closing.

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Q	What is the earliest residential building that remains in Manhattan?
A	Fraunces Tavern, built in 1719, is where George Washington delivered his Farewell Address to his officers in 1783.
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Diane Newman, REALTORŽ, real estate agent and broker for Short Hills, Maplewood South Orange, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Diane Newman
Burgdorff Realtors ERA
545 Millburn Ave
Short Hills , NJ 07078
Direct Line: 973 376-4612
Office Phone: 973 376-5200
Cellular: 201 618-9292
Office Fax: 973 376-7092
dianenewman@NUMBER1EXPERT.com
Diane Newman's business philosophy is to go the extra mile and to make the process of buying or selling a home as stress free as possible. She goes beyond what people expect as normal service. Sharing and educating her clients is the best way to allow them to make intelligent decisions that will result in a successful transaction. Her high energy level, persistence in meeting the clients' needs and past experience result in the highest level of service. A real estate professional for 20 years, Diane has assisted in transactions totaling more than $150 million. She has been a member of the New Jersey Million Dollar Sales Club since 1986, achieving Gold Level status in 1995, 1998 and 1999, Silver Level 1986-1993, 1996-1997, 2000, 2002, and Bronze Level 1993, 2001. She was awarded the Distinguished Sales Club Award from the New Jersey Association of Realtors. Joining Burgdorff late in 2001, she was ranked in the top 5% of the company, and is a member of the President's Elite for the past two years. She has also been a member of the President's Club with her prior association for the last ten years.

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