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Lisa and Robert Hammerstein


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"She Was Always There...."
"Lisa always kept me informed and was always available to help me through the process, in a friendly manner."
"Lars Hedenborg"
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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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Mortgage Prequalification: Hillsdale, River Vale, Westwood and Emerson 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. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Hillsdale, River Vale, Westwood and Emerson real estate agents to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Selling Your Home >A Disappointed Seller

Many home sellers are disappointed by the first offer they receive. For example, when your agent calls to say that she has an offer on your home, your adrenaline might start flowing profusely. You get really excited, but your happy bubble bursts when you are presented with the contract. It's just not enough! The buyers asked for your new washing machine, and they also want to postpone the closing for three months. You don't see how it can work!

Before rejecting any offer on your property, you should consider making a counter offer. Rarely does an offer look the way it would if you had written it yourself. Consider the good and bad points of the offer, and work with the agents to find a middle ground that you and buyers can live with. You may have to go back and forth several times, and there will probably be compromises on both sides. Unless you are lucky enough to be selling in a strong sellers' market, the buyers will expect to do some bargaining. With a little patience, you and your agent can create a "win-win" situation for you and the buyers.

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Real Estate Trivia
Q 
Which nation, fueled by an oil and manufacturing boom, claims the world's longest building?

A 
The "Linear City" of Malasia is currently the longest.
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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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