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Professional Resume: Ringwood, Wanaque and West Milford New Jersey home buying, real estate listings, and homes for sale in Passaic County, NJ

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Financing Your Home >They Said Yes

Applying for a mortgage loan brings out the paranoia in everyone, even those who are most compulsive and consistent about paying their bills on time. Remember that the lender wants your business and will do everything possible to help finalize your home purchase.

There will be nothing to worry about if you have paid your bills more or less on time. If you have a record of late payments but no serious credit problems, you may have to provide the lender with a written explanation of why certain payments were late. The loan approval may depend on whether or not the excuses are reasonable. Your lender can probably help you work things out if your problems are not serious. If your credit problems are serious, it will help to sit down with a lender even before you begin house hunting.

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Q	What price range is considered upscale or high-end in residential real estate?
A	The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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Karen Adatto, REALTORŽ, real estate agent and broker for Ringwood, Wanaque and West Milford New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Karen Adatto
Coldwell Banker Residential Brokerage
130 Skyline Drive
Ringwood, NJ 07456
Phone #: 973-962-5413
Fax #: 973-962-9697
E-mail: karenadatto@NUMBER1EXPERT.com
Karen Adatto has been a real estate professional since 1989 gathering years of expericence in both areas of home sellers and buyers. She consistently has been a top producer in the northern New Jersey area, and has helped hundreds of families reach their goals and realize their dreams of home ownership. A longtime resident of Ringwood, Karen specializes in assisting customers throughout the Ringwood, Wanaque and West Milford areas of Passaic County. Having lived in the area since 1979, coupled with her vast real estate expertise, Karen possesses a wealth of information that prospective buyers find extremely helpful. She is a member of the GSMLS CIRCLE OF EXCELLENCE since 1997.

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