Boonton, Denville and Mountain Lakes real estate and homes for sale in New Jersey - Nick Hajrulla, REALTOR® Nick Hajrulla REALTOR(r) for Boonton, Denville and Mountain Lakes, New Jersey real estate - NUMBER1EXPERT™ Nick Hajrulla NUMBER1EXPERT(tm) for Boonton, Denville and Mountain Lakes, New Jersey real estate
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Nick Hajrulla, REALTORŪ, real estate agent and broker for Boonton, Denville and Mountain Lakes New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why Nick and Ken are top real estate experts. Call Nicks cell: 973-865-1727 or Kens cell:973-224-3738


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First Time Homebuyers: Boonton, Denville and Mountain Lakes New Jersey home buying, real estate listings, and homes for sale in Morris County, NJ
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ 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 top Boonton, Denville and Mountain Lakes area real estate experts, it's our job to guide you, from beginning to end. 

We 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 us a bit about your situation below. We will get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. 

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

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Real Estate Tips
Making An Offer >Keeping Your Earnest Money Safe

When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?

The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.

If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.

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Real Estate Trivia
Q 
What is a Balloon Mortgage?

A 
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Brian Finn from Pillar to Post has done numerous inspections for my buyers and not one has been dissattisfied!!
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Nick Hajrulla, REALTORŪ, real estate agent and broker for Boonton, Denville and Mountain Lakes New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Nustret "Nick" Hajrulla
Horizon Real Estate

408 Main St. Suite 401
Boonton NJ 07005
973-588-7333 =
973-865-1727
Fax: 973-588-7334
Email: Nick@realtornick.com

I am committed to serving you with honesty and integrity. I stand committed to these ideals because I am not in it for a fast sale. I want you to be customer for life! "I autograph my work with excellence."

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