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Welcome > Local Info > Hillsdale Information ...

About the Hillsdale, New Jersey Area

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Financing Your Home >Qualifying For A Loan

It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.

Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.

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Q	What oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?
A	According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Tom Moore, REALTOR®, real estate agent and broker for Montvale, Park Ridge, Hillsdale and Township of Washington, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom Moore
RE/MAX ELITE Associates
305 W. Grand Avenue
Montvale, NJ. 07645
Office/Direct: 201-571-0800
Fax: 201-476-0888
Email: tmoore@njrealtor.com
My committment to my client's is to provide first class service by striving to be the most professional Realtor in the market. Offering prompt service and cutting edge marketing tools to both sellers and buyers.

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