Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Robin Benjamin, a proven Millburn, Summit and Short Hills , New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Find Millburn, Summit and Short Hills Homes - Find Millburn, Summit and Short Hills , New Jersey real estate listings & homes for sale provided by Robin Benjamin, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Robin Benjamin, a proven Millburn, Summit and Short Hills , New Jersey NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Robin Benjamin, a proven Millburn, Summit and Short Hills , New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Millburn, Summit and Short Hills Information - Find local information on Millburn, Summit and Short Hills , New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Robin Benjamin, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Robin Benjamin, a proven Millburn, Summit and Short Hills , New Jersey NUMBER1EXPERT™ Top Selling real estate agent. About Robin Benjamin - Information about Robin Benjamin including testimonials, guarantees, credentials, and contact information. Learn why Robin Benjamin is a proven Millburn, Summit and Short Hills , New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Welcome to the best home search for this part of New Jersey! I specialize in homes for sale in Essex County. If you're looking for New Jersey luxury real estate in the Millburn, Short Hills area, you need my New Jersey real estate listings.
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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 |
Which hazardous substance is contained in sixty-four million houses and apartments?
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| A |
HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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