Morristown real estate NJ, Randolph real estate, Morris Township real estate, Harding real estate and Mendham real estate, home listings and homes for sale in New Jersey - Dusty Smith, REALTOR® Dusty Smith REALTOR(r) for Morristown, Randolph, Morris Township, Harding and Mendham, New Jersey real estate - NUMBER1EXPERT™ Dusty Smith NUMBER1EXPERT(tm) for Morristown, Randolph, Morris Township, Harding and Mendham, New Jersey real estate
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Dusty Smith, REALTORŪ, real estate agent and broker for Morristown, Randolph, Morris Township, Harding and Mendham New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-267-8990 Ext.117.


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Mortgage Prequalification: Morristown, Randolph, Morris Township, Harding and Mendham New Jersey home buying, real estate listings, and homes for sale in Morris                         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 Morristown, Randolph, Morris Township, Harding and Mendham 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!
 

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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Real Estate Trivia
Q 
What is currently the most technologically advanced way to vacuum your home?

A 
The self-propelling Dyson DC06 scans and maps a room with sensors and is controlled by built-in computers that prevent it from falling downstairs.
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Dusty Smith, REALTORŪ, real estate agent and broker for Morristown, Randolph, Morris Township, Harding and Mendham New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Dusty Smith
Coldwell Banker Residential Brokerage

211 South Street
Morristown, NJ. 07960
973-285-4666
973-267-8990 Ext. 117
Fax: 973-984-3360
Email: dusty@dustysmith.com

Dusty Smith is the NUMBER ONE AGENT in the Morristown Area. She has a proven track record for providing both Buyers and Sellers with expert guidance. Dusty Smith and her team of experienced professionals provide you with the skill, service and support you need to make your real estate transaction as pleasurable and problem free as possible. Throughout her 20 years in Real Estate, Dusty has been the recipient of many awards including #1 Salesperson in Region, #1 Salesperson in Morris County and Top Office Salesperson 1993-2006. Her dedication to conducting her real estate business with professionalism and integrity has kept her in the Top 1% in the International network of Coldwell Banker RealtorsŪ.

Equal HousingMLSREALTOR


Coldwell Banker Residential Brokerage real estate and homes for sale in Morristown, Randolph, Morris Township, Harding and Mendham New Jersey

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