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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Westfield, Mountainside and Scotch Plains real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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School Reports in Westfield, Mountainside and Scotch Plains, New Jersey

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Westfield, Mountainside and Scotch Plains

Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	What Hollywood star made the first footprint outside Grauman's Chinese Theater?
A	Norma Talmadge accidentally stepped in wet concrete outside the building in 1927.
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Laura Brockway, REALTOR®, real estate agent and broker for Westfield, Mountainside and Scotch Plains, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Laura Brockway
KELLER WILLIAMS REALTY PREMIER PROPERTIES
488 Springfield Avenue
Summit, NJ 07091
Cell: 908-456-3093
Office: 908-273-2991 x 230
Fax: 908-928-1094
LauraBrockway@NUMBER1EXPERT.com

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