Montclair, West Orange and Glen Ridge real estate and homes for sale in New Jersey, condos, condominiums - Lina Panza, REALTOR® Lina Panza REALTOR(r) for Montclair, West Orange and Glen Ridge, New Jersey real estate, condos, condominiums - NUMBER1EXPERT™ Lina Panza NUMBER1EXPERT(tm) for Montclair, West Orange and Glen Ridge, New Jersey real estate, condos, condominiums
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Lina Panza, REALTOR®, real estate agent and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

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"I switched over to the Panza/Kolko team"
"After a long search with another realtor turned up no prospects, I switched over to the Panza/Kolko real estate team and had banner results."
Lorren Magnus, Little Falls, NJ
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Mortgage Prequalification: Montclair, West Orange and Glen Ridge New Jersey home buying, real estate listings, and homes for sale in Essex County County, NJ
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Montclair, West Orange and Glen Ridge real estate agent to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
Buying Land and New Construction >New Homes

Buying a house that is under construction gives you the opportunity to customize your new home by adding special features to the basic home. When deciding on additional features, consider how they will affect the re-sale value of the home and whether these additions will over-improve your home.

Money spent to improve and modernize kitchens and bathrooms is almost always a good investment. Granite and corian counter tops, side-by-side refrigerators, tile flooring and whirlpool tubs are popular upgrades. If the builder's standard flooring for the living room, dining room or foyer is linoleum, changing to hardwood or tile will increase the resale value of the home. And even if you don't enjoy sitting around a roaring fireplace, the next owner may want one. If you plan to finish the basement later, you may want to "rough-in" the plumbing for a bath during the original construction. You should consider your own enjoyment--and what will increase the value of your home when you sell.

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Real Estate Trivia
Q 
What has been described as the world's most beautiful building?

A 
The white marble Taj Mahal in India was built by the Mogul emperor Shah Jahan (1631-53) to enshrine his favorite wife.
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Lina Panza, REALTOR®, real estate agent and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Lina Panza
RE/MAX Village Square

516 Valley Road
Upper Montclair, NJ 07043
Lina's Office: 973-809-5277
Lina�s Cell : 973-809-5277
Fax: 973-509-7779
Email: PaulinePanza@comcast.net

ABOUT ME
I have a passion for houses and real estate, as well as credentials that give you an advantage. I have a Bachelors degree in design and architecture from Carnegie Mellon. I also have an MBA in marketing�a big plus if you chose me to sell your house�I have won both RE/MAX sales awards as well as the New Jersey Association of Realtors Circle of Excellence Award for 2008. I grew up in Manhattan, within walking distance of the U.N. My father took me to the Museum of Modern Art every Sunday. Immersed in the culture of New York City, I found it difficult to leave. But like many ex-New Yorkers, I moved to New Jersey because I wanted more space, a good community where I could raise a family and a yard where I could build a garden. I have come to love it here and I�m happy to share my two decades of local knowledge and contacts to help you get settled. My clients have come to rely on me for house, garden and community advice long after the sales transaction is over.

Equal Housing MLS REALTOR


RE/MAX Village Square real estate and homes for sale in Montclair, West Orange and Glen Ridge New Jersey

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