Wyckoff and Franklin Lakes real estate and homes for sale in New Jersey - Sally Ponchak, REALTOR® Sally Ponchak REALTOR(r) for Wyckoff and Franklin Lakes, New Jersey real estate - NUMBER1EXPERT™ Sally Ponchak NUMBER1EXPERT(tm) for Wyckoff and Franklin Lakes, New Jersey real estate

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Sally Ponchak, REALTOR®, real estate agent and broker for Wyckoff and Franklin Lakes 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: 201-891-6700 Ext.111.


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Mortgage Prequalification: Wyckoff and Franklin Lakes New Jersey home buying, real estate listings, and homes for sale in Bergen                         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 Wyckoff and Franklin Lakes 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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Real Estate Tips
Making An Offer >Negotiations Part 2

If you are the buyer in a home sale transaction, you should be prepared to submit an offer to the seller. An offer is not simply the price -- there are more components involved.

The real estate agent will act as the conveyor of information. There are a few things to look out for in such negotiations: 1) include a finance contingency, even if you have loan pre-approval, 2) insist on an engineer's, termite and radon inspection contingencies, 3) itemize the personal property you want included, such as chandeliers or drapes, and 4) submit the closing date you prefer.

Buyers should be prepared to make their best offer first, but if that offer is not acceptable to the seller, they should expect to go through a round of counter-offers.

See All Tips In The "Making An Offer" Category >
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Real Estate Trivia
Q 
What is the fastest-growing state in the U.S.?

A 
Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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Sally Ponchak, REALTOR®, real estate agent and broker for Wyckoff and Franklin Lakes New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Sally Ponchak
Coldwell Banker Residential Brokerage

372 Franklin Avenue
Wyckoff, NJ. 07481
Office: 201-891-6700 x 111
Direct and 24/7 Vmail: 201-848-3214
Fax: 201-891-0976
Email: sallysellsnjhomes@NUMBER1EXPERT.com

A perennial multimillion dollar producer, Sally Ponchak is a member of Coldwell Banker's International President's Elite, which recognizes the top 2% of the company. She received an award for being #1 IN CUSTOMER SERVICE in 1998. Sally Ponchak is your NUMBER1EXPERT™ for the Wyckoff, Franklin Lakes, Bergen County Area. She has successfully helped hundreds of families with their real estate needs. Put her to work for you! Call or email Sally today!


Coldwell Banker Residential Brokerage real estate and homes for sale in Wyckoff and Franklin Lakes New Jersey



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