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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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Real Estate Trivia
Q 
What does the common acronym FSBO (pronounced fizzbo) stand for?

A 
For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.)
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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."

ABREqual HousingMLSREALTORSRES


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