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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!  It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request our free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. The Status Report that you'll receive by email will also include other important information that has been left out or that is available to us through our professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request our quick Status Report on any homes or other real estate that interests you. It's free and without obligation. Remember: As top Tenafly, Closter, Demarest, Cresskill, Haworth, and Englewood Cliffs area REALTORS®, it's our job to know more about a property than any web site. Make sure you have the most current information!
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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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| Q |
What is currently the most technologically advanced way to vacuum your home?
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The self-propelling Dyson DC06 scans and maps a room with sensors and is controlled by built-in computers that prevent it from falling downstairs. |
 See More Real Estate Trivia > |
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Tami Rapaport's Team
Coldwell Banker Residential Brokerage
130 Dean Drive
Tenafly, NJ. 07670
Direct Line: 201-227-2045
Cell: 201–665-5558
201-567-7788 ext. 127
Fax: 201-567-3220
Email: Tami@TamiRapaport.com
Tami Rapaport, a President's Premier Agent with Coldwell Banker
(top 1% of the highest sales within the company internationally) has been
ranked #5 in 2009 out of 3,800 Coldwell Banker agents throughout the entire
state of New Jersey.... Tami is the only Realtor in Tenafly to achieve Eastern
Bergen Board’s Platinum Level Circle of Excellence Award 8 years in
a row (2002 – 2009) Additionally, Tami Rapaport has been named the Tenafly
office Salesperson of the Year for 2008.........an honor she has
received consistently for the past 9 years.
"Tami's level of
commitment is incomparable. The honors she continues to earn are a reflection
of her dedication. She knows the market, she listens to her clients and she
delivers as they have come to expect her to." Karen Murphy, Coldwell
Banker, Tenafly Manager
“To produce so impressively in a
changing and always competitive market is a testament to your ability in
business and your effectiveness at encouraging trust and enthusiasm among
customers. You are a credit to our profession, a prime resource for your
clients and a valued member of the NRT family. I thank you for your effort and
wish you all the best in future success.” Bruce Ziph, President and
CEO, NRT Inc.
“Thank You for following through on all the
details throughout the closing! We really appreciate your hard work in getting
this deal done!” David Kevorkian, Seller of a Tenafly
home
“Thank you for all your efficient services. I appreciate
you!” Ann Davis, Landlord of rental home in Haworth
Look for
weekly update of homes sold in different towns throughout Bergen County.
Join our mailing list and you we will sent you a free list of sold homes. Go to
www.SoldHomesReport.com    
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NUMBER1EXPERT®
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All rights reserved. All information deemed reliable but not guaranteed.
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