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Buying a Home in New Jersey: Your Team of Real Estate Professionals
Successful real estate transactions, especially when buying in New Jersey, start with the buyer assembling the right team of professionals to guide you through the process and regular on-going communication between you and your team of professionals. Your team of professionals should include a great Realtor, a great mortgage lender, and a great real estate attorney.
Your Real Estate Team: Mortgage Lender
Before you look for a home:
When you’ve decided that you would like to buy a home the first step is to determine how much home you can afford.  Meet with a mortgage professional to review your income, assets, credit, etc. to find out.     There are many mortgage companies out there, and your choice of lender may determine whether your transaction is a dream or a nightmare, so choose wisely.    I recommend that you choose someone local that you can reach when you need to, and can sit down with when necessary.  I do not recommend choosing an internet based lender where all contact is online or through the telephone.
When interviewing mortgage lenders, keep in mind that each time a lender checks your credit score, the score may drop slightly.   Therefore, first choose your lender, based on their estimated interest rates, fees ... more

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