Montclair, Nutley and Verona real estate and homes for sale in New Jersey - Carol Tangorra, REALTOR® Carol Tangorra REALTOR(r) for Montclair, Nutley and Verona, New Jersey real estate - NUMBER1EXPERT™ Carol Tangorra NUMBER1EXPERT(tm) for Montclair, Nutley and Verona, New Jersey real estate
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Carol Tangorra, REALTOR®, real estate agent and broker for Montclair, Nutley and Verona New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top realestate expert. Please call me: 973-233-2348


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Mortgage Prequalification: Montclair, Nutley and Verona New Jersey home buying, real estate listings, and homes for sale in Essex County                   County, NJ
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 Montclair, Nutley and Verona Realtor to offer services such as these. 

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

About You
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About Your Move
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About Your Home Search
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Real Estate Tips
Financing Your Home >Your Financial Cushion

When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.

First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.

A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.

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Real Estate Trivia
Q 
What building has been named the 21st Century Townhouse project?

A 
4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete.
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Carol Tangorra, REALTOR®, real estate agent and broker for Montclair, Nutley and Verona New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Tangorra
Schweppe Burgdorff ERA

736 Valley Road
Upper Montclair, NJ. 07043
973-233-2348
Cell Phone: 973-420-5650
Fax: 973-744-7679
Email: CarolTangorra@NUMBER1EXPERT.com

Carol Tangorra has been a successful Real Estate agent for more than 21 years and was Named 2002 Realtor of the Year by the West Essex (NJ) Board of Realtors. In 2000, she was awarded lifetime membership in the NJ Association of Realtors’ Circle of Excellence for consistent sales in the multi-million dollar range. Carol has consistently ranked among the top 2% in sales of all Realtors in her board area, which includes Montclair, Nutley, Verona, Glen Ridge, Bloomfield, Essex Fells, Cedar Grove, Livingston, West Orange, South Orange, Maplewood, and the Caldwell’s. Carol’s professional credo is “The customer comes first!” “I believe that knowledge, experience, and enthusiasm are the most important qualities a Realtor can have. I look forward to sharing my expertise with each of you,” says Carol.

RELO




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