All agents are NOT alike! Find out why I am a top real estate expert. Call me: 201-248-1064.

Get Free Presentation On My Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
Find Out More >
View All Offers >

Coming soon!
Read Quote >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Robert Troy Dombrowsky is one of The Top Selling Real Estate Experts™
Find Out More >

First Time Homebuyers: Hasbrouck Heights, Paramus and Ridgewood New Jersey home buying, real estate listings, and homes for sale in Bergen County, NJ

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 Hasbrouck Heights, Paramus and Ridgewood 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...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

Financing Your Home >The Language of Financing

When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.

You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What unique type of home is making news as an affordable, environmentally-friendly housing alternative?
A	Straw bale homes may well become the non-toxic, affordable home of choice in the future.
See More Real Estate Trivia >

See the nation's top rated reports for Schools in Hasbrouck Heights, Paramus and Ridgewood >

Coming Soon
Find Out More >

Robert Troy Dombrowsky, REALTORŽ, real estate agent and broker for Hasbrouck Heights, Paramus and Ridgewood New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Robert Troy Dombrowsky
RE/MAX Property Center
257 East Ridgewood Avenue
Ridgewood, NJ 07450
Tel: 201-248-1064
Tel: 201-670-0500 Ext 318
Tel: 800-594-7355
Fax: 201-670-7197
Email: roberttroydombrowsky@NUMBER1EXPERT.com
Robert Troy Dombrowsky has been a Manager and Sales Professional in Bergen County for more than 20 years. Troy, as he likes to be called, is a lifetime resident of New Jersey and has spent the past 30 years of his life in Bergen County. In his career as both a manager and sales representative Troy has been responsible for over 5,000 successful real estate transactions. Based on this high level of expertise you can be confident that when you hire Troy you will be getting the best service the real estate profession has to offer.

When you are buying or selling a home the most important decision you can make is who is going to represent you. Robert Troy Dombrowskys standards of honesty and integrity make him the clear choice for your most important investment. No matter what your particular real estate needs may be Troy will work diligently on your behalf to fulfill those needs and make the process as simple and rewarding as possible.

www.BERGENPREMIERHOMES.COM is brought to you by Robert Troy Dombrowsky
NUMBER1EXPERT™ in real estate for Hasbrouck Heights, Paramus and Ridgewood, New Jersey, new construction, luxury homes

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge