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All agents are NOT alike! Find out why I am a top real estate expert. Call me on my cell phone at 908-510-0861 anytime.

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If you need to get pre-approved for a mortgage, I recommend you contact...
Edward A. Lepore
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Wells Fargo Home Mortgage
Red Bank, NJ
Office: 732-933-5652
Cell: 732-500-6764
Fax: 732-933-8319
Email: Edward.Lepore
@WellsFargo.com

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Why Buyers Choose Rosaleen Light-Newby
Welcome > For Buyers > Why Buyers Choose Rosaleen Light-Newby ...

Buying a Home Requires Many Difficult Decisions. Make Sure Your Realtor is a Top Local Expert.
 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As a top Summit, New Providence and Berkeley Heights area Realtor, here is how I will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the Summit, New Providence and Berkeley Heights market, even listings not yet on the MLS, through my professional New Jersey real estate affiliations. 

- My expert local knowledge of the Summit, New Providence and Berkeley Heights area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. Summit, New Providence and Berkeley Heights is no different! It's my job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? I help home buyers make decisions like this every day, and I'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. I will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and I will view every home that you are interested in, together. And prior to closing I will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. I will give you the full benefit of my real estate knowledge and experience. 

Let me represent your best interests in your search for a new home in the Summit, New Providence and Berkeley Heights area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Call or email me for help, or to have your questions answered. There are no dumb questions! Fill out this form and I'll get right back to you...
 

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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Real Estate Trivia
Q 
Which law allows a person to give another individual up to $10,000 a year without any tax consequences?

A 
The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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Rosaleen Light-Newby, REALTOR®, real estate agent and broker for Summit, New Providence, Berkeley Heights, Chatham, Madison and Short Hills, New Jersey home listings, property and land for sale - NUMBER1EXPERT

Rosaleen Light-Newby
Re/Max Achievers

315 Springfield Avenue
Summit, NJ. 07901
Mobile Phone: 908-510-0861
Business: 908-522-9444 ext 103
Residence: 973-665-9280
Fax: 973-695-1666
Email: Rosaleen@NUMBER1EXPERT.com
Email: rosaleenlight@comcast.net

Let Rosaleen be your guide through Summit, Berkeley Heights, New Providence, Chatham, Madison, Short Hills, Basking Ridge, Warren, Watchung & surrounding towns. Rosaleen has been a successful realtor with over 30 years of experience, America's #1 Expert. When asked what is the most important to her in real estate, she stated "the ability to listen", "flexibility", "strive for excellence", "integrity" & "trust". Isn't this what we are all looking for? A person who represents old fashion service with the state of the art technology.

Equal Housing ERC MLS REALTOR RELO


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