Short Hills, Maplewood South Orange, New Jersey real estate listings, home buying, selling and relocation information

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For Buyers: Short Hills, Maplewood South Orange, New Jersey home buying, real estate listings, and homes for sale in Essex County,

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First Time Buyers >Affording A Home

Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.

As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.

Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.

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Q	What structure is regarded as the best surviving example of Pennsylvania Dutch architecture?
A	The Georg Muller House in Milbach, PA, built in 1752.
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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
Coldwell Banker
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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NUMBER1EXPERT™ in real estate for Short Hills, Maplewood South Orange, , New Jersey

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