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About Deborah La Forge - Information about Deborah La Forge of Wayne, Clifton, Montclair and Upper Montclair, New Jersey Testimonials - Read what La Forge's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more New Jersey home buying & property selling information is guaranteed by Deborah La Forge. Privacy Guarantee - This Wayne, Clifton, Montclair and Upper Montclair real estate web site will respect your privacy, guaranteed by Deborah La Forge. No Obligation Guarantee - La Forge's real estate help by email is free & without obligation for Wayne, Clifton, Montclair and Upper Montclair home owners in New Jersey. For Real Estate Agents - Let Deborah La Forge help you with your professional real estate broker and agent needs in the Wayne, Clifton, Montclair and Upper Montclair area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Deborah La Forge. Go to Main Sitemap - Main sitemap sections include Find Wayne, Clifton, Montclair and Upper Montclair Homes, For Home Buyers, For Home Sellers, Wayne, Clifton, Montclair and Upper Montclair Information, Real Estate Resources, and About Deborah La Forge. 
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First Time Buyers >Credit Card Common Sense
If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.
People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.
Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.
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| Q |
What are three of the best indicators of real estate market trends?
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| A |
Existing home sales, new home building and mortgage interest rates.
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Deborah La Forge
RE/MAX Village Square Realtors
516 Valley Road
Upper Montclair, N.J. 07043
Office: 973-509-2222 Ext. 134
Cell: 917-842-7893
Fax: 973-509-7779
deborahlaforge@NUMBER1EXPERT.com
I have been in the real estate business for over 23 years and have gained a depth of knowledge about values, market cycles, and most importantly, being a smart marketer.
If you are selling, I am capable of creating a demand for your home and able to find the very best value for you when you are buying. It is an important decision to buy or sell a home and it's equally important to choose a realtor.
I guarantee your privacy will be respected and look forward to meeting and working with you.   
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