Tools and Tips

Mortgage Calculator

Tips for Homebuyers

In every version of it, home ownership is at the core of the definition the American dream. The white picket fence, the glistening green yard — for most, it’s the pinnacle purchase of their lives. Hundreds of thousands of dollars invested into a new living space for you and your family. Considering its weight, if you decide to become a homebuyer, you have to do your research. Find a trustworthy agent who will listen to your needs, and respond to your inquiries honestly and open-mindedly. Find a neighborhood where you can see yourself and your family living comfortably and growing in. Create a budget for yourself so that you know exactly what range you want to be purchasing in, what prices you’re going to avoid, and what prices you can negotiate down.

Be sure to check our page for Homebuyers for additional tips on buying a home.


Mortgage Trouble?

The process for getting mortgage help can be complex and confusing. That’s why it’s so important that you get help quickly as possible. In fact, the sooner you seek help, the more options you’ll have.

  • Learn about your options:For more information on HAFA and other programs designed to provide mortgage help, visit “”. If your mortgage is owned, insured, or guaranteed by Fannie, Freddie Mac, FHA, VA, or USDA, ask your mortgage company which solutions will work best for you.
  • Get your financial information in order: Your mortgage company will ask for personal and financial information in order to determine what kind of help they can offer you.
  • Consult a housing expert: With so many financial terms and process that can be complicated, you would benefit greatly from the help of a professional
  • Submit your request for mortgage assistance: If this is the first time you’ve worked with your mortgage company, they will consider you for options to keep your home before they move forward with HAFA. Be prepared to supply the financial information you’ve gathered as part of a complete initial package of application materials.
  • Be Persistent: Stay in touch with your mortgage company throughout the process. Call for updates and respond to their requests. Remain focused and be persistent about getting to a resolution.

“Need to Leave Your Home?: Move Forward Without the Sting of Foreclosure.” MakingHomeAffordable, 2013, 


Notes on foreclosure

Tips for families transitioning from a hardship situation:

Things happen unexpectedly in life and people fall behind in their mortgage payments everyday, so remember you are not alone. Try to look beyond the stress and take control of the situation as we all get a 2nd chance.

  • After foreclosure expect the banks attorney to reach out you via US mail
  • The banks will have their vendors take photos of the property prior and during your transition period.
  • The banks agent will attempt contact with you and will want to know your plans. The agent or broker may offer you cash for keys
  • A professional agent will be respectful, kind, and empathetic to your needs and circumstances throughout your transition process
  • Do your best to be responsive, as the agent and banks are people too with their own families and who, many times, will do their best to work with you.

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home testimonial

I bought a house in Paterson from one of Mr. Rose’s listing. I highly recommend him as a realtor because he knows how to do his job well. He was always ready to help me and attentive toward any questions or concerns I had while buying my house. I would recommend him as someone responsible and trustworthy. Thank You

Victor Sela