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Welcome > For Buyers > First Time Homebuyers ...

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

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Maplewood, South Orange and Montclair real estate expert, it's my job to guide you, from beginning to end.

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

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

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School Reports in Maplewood, South Orange and Montclair, New Jersey

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Maplewood, South Orange and Montclair

Working With An Agent >Discuss Your Options

When you are working with a real estate agent to find a home, it is very important that you take the time to discuss the full range of your housing and financing options. Your real estate agent wants to understand your criteria and your expectations. Be very clear about the features you want in a home, describing what elements are essential to you and where you are willing to compromise.

When you start looking at homes, you may find that the available homes in your price range require much more of a financial commitment than you were prepared to make. Let your agent know if you are willing to consider alternative mortgage options to increase your buying power. Discuss the possibilities for buying in an area you had not previously considered. Would you consider a house with the same amenities in a different neighborhood, a "handyman special", a smaller yard or fewer bedrooms? An open mind and honest communication are crucial ingredients as you work with your real estate agent to find the best possible home for your needs.

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Q	Over what famous building is aircraft forbidden to fly at any time?
A	No aircraft is permitted to fly over the Taj Mahal in India.
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Thomas Laurita, REALTOR®, real estate agents and broker for Maplewood, South Orange and Montclair, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Thomas Laurita
Better Homes NJ.com
VRI Realtors
539 Valley Road
Upper Montclair, New Jersey 07043
Office: 973-783-8993
Fax: 973-783-0218
Cell: 973-477-1164
Number 1 Expert E-Mail: thomaslaurita@NUMBER1EXPERT.com
Better Homes E-Mail: tlaurita@bhnj.com
Tom's E-Mail: talauri@aol.com
Tom Laurita and Associates/Better Homes NJ.com Team GIVES YOU MORE than you expect! Tom Laurita is a Member of the National Association of Realtors, West Essex Board of Realtors, North Central Jersey Board of Realtors. He has been distinguished with several awards - Circle of Excellence - Bronze 2001 - 2002, Silver 2003 - 2004, Gold 2005 - 2006. He has also been awarded "Entrepeneur of the Year". He volunteers for many organizations such as Lambda Legal; Defense, GLAAD, Human Rights Campaign Fund, and is a mamber of the Finance Committee for Garden State Equality. Tom's reputation, experience and expertise can SAVE YOU TIME AND MONEY in BUYING OR SELLING A HOME.

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