Pascack Valley NJ Real Estate | Hillsdale NJ | Westwood NJ | River Vale NJ |Real Estate Listings and Homes for Sale in Bergen County NJ, Residential Properties
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Lisa and Robert Hammerstein


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All real estate agents are NOT alike! Find out why we are top real estate experts in all of the Pascack Valley, area. Call us direct: 201-218-6802.


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First Time Homebuyers: Hillsdale, River Vale, Westwood and Emerson New Jersey home buying, real estate listings, and homes for sale in Bergen County, NJ
Welcome > For Buyers > First Time Homebuyers ...


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

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Pascack Valley and Bergen County, New Jersey real estate experts, it's our job to guide you, from beginning to end. 

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

 

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

 

Getting a desirable mortgage for buying a dream home is what everyone wishes for. A home is like any other product available in the market. So when shopping for a home mortgage prices and terms may be negotiable. When it comes to buying a home, a borrower has to overcome many financial obstacles. This is where home mortgage comes in. For more information MortgageFit.Com.

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Real Estate Tips
Closing or Settlement >Net Sheet for Sellers

When you consider what price you should accept when selling your home, there are two important factors that will influence your decision. The first factor is the basic sales price. The second, and more important, is the amount you will actually receive from the proceeds at the closing.

Your real estate agent will prepare a seller's "net sheet" showing what your expenses will be. This will aid you in determining who pays what and when. It can help you to focus on the details of the sale.

A seller's expenses will include brokerage fees, real estate settlement fees, title insurance fees and special assessments. In some cases the buyer may ask you to pay some of the loan fees. Local real estate taxes will be pro-rated for you and the buyer, and you may be asked to place funds in escrow for payment of your final water bill. Subtract your mortgage balance any home improvement loans and other liens against the property that will be paid at the closing to come up with your final figures.

Your real estate agent can go over all of these factors with you when you list your home for sale and again as offers come in.

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Real Estate Trivia
Q 
Which home is considered the ultimate in California craftsman-style architecture?

A 
Located in Pasadena, the Gamble House, built in 1908 by Charles and Henry Greene, is a National Historic Home open to visitors.
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The HammersTeam, REALTOR®, real estate agents and broker for Hillsdale, River Vale, Westwood and Emerson New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

The HammersTeam
Coldwell Banker Residential Brokerage

50 Broadway
Hillsdale, NJ. 07642
Sales Associate Team
Office: 201-930-8820 ext.199
Lisa's Direct : 201-218-6802
Bob's Direct : 201-315-8618
Email: HammersTeam@NUMBER1EXPERT.com
Bob's Email: Robert.Hammerstein@cbmoves.com
Lisa's Email: Lisa.Hammerstein@cbmoves.com

Lifelong Bergen County residents, Bob and Lisa are a down to earth husband and wife team dedicated to making your Real Estate dreams a reality. Lisa earned her Certified Residential Specialist credentials and has maintained a top Producer status throughout her career. Bob earned his Computer Professional credentials and joined Lisa in Real Estate to form “HammersTeam”. Providing high tech service blended with their first hand knowledge of their hometowns. “Our high tech approach allows us to stay in close contact with our customers and constantly keeps us on the cutting edge of new marketing techniques for our listing clients”. Bob and Lisa - Your Hometown Winning Team! ©2008 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.

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Coldwell Banker Residential Brokerage real estate and homes for sale in Hillsdale, River Vale, Westwood and Emerson New Jersey


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