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Lisa and Robert Hammerstein


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From selling my house in record time at asking price, to patiently helping my find my new dream home, you were wonderful.
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For Sellers: Hillsdale, River Vale, Westwood and Emerson New Jersey home buying, real estate listings, and homes for sale in Bergen County, NJ
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Why Sellers Choose The HammersTeam: Why home sellers in Hillsdale, River Vale, Westwood and Emerson choose The HammersTeam
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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 
Where in the United States will you find the largest concentration of million-dollar homes?

A 
There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
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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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