Parsippany, Randolph, Denville and Morristown real estate and homes for sale in New Jersey, spanish speaking, 55+ communities - Marlene Ginsberg, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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Marlene Ginsberg
All agents are NOT alike! Find out why I am a top real estate expert. Call me at my direct number: 973-387-4022.


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A Terrific Efficient Realtor
"Marlene was a bundle of energy and enthusiasm, and sold my house only a few weeks after it went on the market."
Cynthia Kuttner - Morris Plains, NJ
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Pre-Qualify For Your Mortgage
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 Parsippany, Randolph, Denville and Morristown Township REALTOR® to offer services such as these. 

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

As one of Coldwell Bankers Top Producers, I can help you pre-qualify for your mortgage. It's my job! Please call Dave Long our mortgage advisor at 973-207-9667 or Coldwell Banker Home Loans at 888-320-7958. This service is provided free and without obligation... 

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Real Estate Tips
About Appraisals >The Language of Real Estate Agents

Technical terms can be confusing to people who do not work in a profession, and real estate agents use language that may be confusing to many home buyers and sellers.

If you find your eyes glazing over when your real estate agent starts talking about escrow, clear title, easements, encroachments, contingencies, financing, appraisals and the closing process, don't hesitate to ask for a translation. Buying or selling a home is a major step, and professional real estate agents are totally committed to helping you understand the process thoroughly so that you can make informed decisions.

The simple transaction of trading the sellers' house for the buyers' money has become complicated by several hundred years of custom, common law, and state and local government requirements. Consumer demands have resulted in up-to-date rules that communication be as clear and understandable as possible. Real estate agents work to create an atmosphere in which you feel comfortable to ask questions.

See All Tips In The "About Appraisals" Category >
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Real Estate Trivia
Q 
What building has the largest windows in the world?

A 
The Palace of Industry and Technology in Paris, France has three matching windows, each 715 feet high and 164 feet wide and comprised of multiple panes of glass.
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Marlene Ginsberg, REALTOR®, real estate agent and broker for Parsippany, Randolph, Denville and Morristown, New Jersey home listings, property and land for sale - NUMBER1EXPERT

Marlene Ginsberg
Coldwell Banker Residential Brokerage

211 South Street
Morristown, NJ 07960
Direct: 973-387-4022
Office: 973-267-8990 x 112
Evening: 973-895-3391
Fax: 862-345-3749
maginsberg@aol.com

Marlene has lived in Morris County for over 30 years and has been an active licensed real estate professional for over 20 years.... She has generated over $140 MM in real estate sales while successfully helping hundreds of families move. A perennial multi-million dollar producer (Gold Level - $15 MM in annual sales), Marlene has been a member of the prestigious Coldwell Bankers International President's Elite, which recognizes the top 1% of the company for the last six years. Marlene received an award for being #1 IN CUSTOMER SERVICE and is ranked among the top 50 out of 3500 Coldwell Banker agents in New Jersey year in and year out. As your NUMBER1EXPERTTM for the Randolph, Parsippany, Denville and Morristown/Morris Township areas of Morris County, Marlene heads a team of real estate professionals that are very well equipped to provide you the finest service for all your real estate needs. Put her and her entire team to work for you! Call or email Marlene today!

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