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Lisa and Robert Hammerstein


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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
Financing Your Home >New Loans

If you are considering applying for a mortgage to purchase a new home or to refinance your present home, don't delay. Despite fluctuation in interest rates, lenders are still processing many new loan applications.

You should gather all the necessary paperwork before you apply, and submit your loan application as soon as possible. At a minimum, the information required by a lender will consist of proof of your earnings and a clear picture of your total monthly income and expenses. If you are self-employed, or have long-term obligations such as alimony or child support, the preparation time and the amount of paperwork increases.

Despite the need to move rather quickly for a mortgage in today's market, you should "make haste carefully." Shop carefully for your loan by comparing all costs and terms. With the number of lenders vying for your business, new and better deals are always appearing.

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Real Estate Trivia
Q 
What famous example of post-colonial architecture is modeled after the palace of the Duke of Leinster in Ireland?

A 
The White House in Washington, D.C., begun in 1792 and burned by the British in 1814, was rebuilt in 1818 and restored in 1951.
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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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