Roxbury, Mount Olive and Byram real estate and homes for sale in New Jersey - Gary Ribe, REALTOR® Gary Ribe REALTOR(r) for Roxbury, Mount Olive and Byram, New Jersey real estate - NUMBER1EXPERT™ Gary Ribe NUMBER1EXPERT(tm) for Roxbury, Mount Olive and Byram, New Jersey real estate
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Gary Ribe, REALTORŪ, real estate agent and broker for Roxbury, Mount Olive and Byram New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-598-1008.


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Testimonials: Roxbury, Mount Olive and Byram New Jersey home buying, real estate listings, and homes for sale in Morris County, NJ
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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 
Which islands are considered the largest islands in the US?

A 
The Hawaiian Islands with 10,456 square miles are followed by Kodiak Island in Alaska at 9,510 square miles.
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Gary Ribe, REALTORŪ, real estate agent and broker for Roxbury, Mount Olive and Byram New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Gary Ribe
Weichert Realtors

500 Route 10 West
Succasunna, NJ. 07876
Direct: 973-219-4367
Office: 973 584 2300
Fax: 973 927 4366
Email: garyribe@NUMBER1EXPERT.com

Gary Ribe, a Top Producer with Weichert Realtors, offers home selling and buying needs. Find out what makes Gary Ribe unique in the Real Estate market place. Gary provides full service to Morris, Sussex and Warren Counties.

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