Morristown, Harding, Randolph and Morris Plains real estate and homes for sale in New Jersey - Denise Flanagan, REALTOR® Denise Flanagan REALTORS(r) for Morristown, Harding, Randolph and Morris Plains, New Jersey real estate - NUMBER1EXPERT™ Denise FlanaganNUMBER1EXPERT(tm) for Morristown, Harding, Randolph and Morris Plains, New Jersey real estate
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Denise Flanagan, REALTORŪ, real estate agent and broker for Morristown, Harding, Randolph and Morris Plains New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia
Q 
Where would you go to visit the largest ancient castle in the world?

A 
You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres.
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FEATURED PROPERTY
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Powder Mill Estates
Center Hall Colonial on largest lot in Powder Mill Estates
Location: 18 Waterloo Dr.
Price: $742,000 
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Denise Flanagan, REALTORŪ, real estate agent and broker for Morristown, Harding, Randolph and Morris Plains New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

DENISE FLANAGAN
Coldwell Banker Residential Brokerage

211 South St.
Morristown, NJ 07960
Direct Line: 973-285-4677
Cell: 973-420-4590
Fax: 973-984-3360
denise@deniseflanagan.com

Denise Flanagan is truly the Number One Expert in the Morristown area and when it comes to your real estate needs...THERE IS NO SUBSTITUTE FOR EXPERIENCE.... Denise has lived in Morris County for over 35 years and has 25 years full time real estate experience in Morris County. She has generated over 200 M in real estate sales and received every award available to realtors from local to National levels. Denise received an award for being #1 IN CUSTOMER SERVICE and is ranked among the top 50 out of 3500 Coldwell Banker agents in N.J. Her combined sales and managerial experience includes over 4000 transactions in which she has dealt with every possible nuance and circumstance that can arise in a real estate transaction. Denise has earned the coveted Graduate Real Estate Institute,(GRI) designation, her certified Residential Brokers License, Certified Tax Assessor,(CTA) and is a commissioner on the New Jersey Real Estate Commission which overseas over 8000 licenses. Clearly Denise is one of the most respected and experienced realtors in the Morristown area and as your NUMBER 1 EXPERT for the Morristown/Morris Township, Randolph and Harding areas of Morris County can provide customized, personal service whether you are buying or selling.

CRBGRIREALTOR


Coldwell Banker Residential Brokerage real estate and homes for sale in Morristown, Harding, Randolph and Morris Plains New Jersey

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