Marlboro, Manalapan and Freehold real estate and homes for sale in New Jersey, luxury homes, executive properties - Charlotte Ruden, REALTOR® Charlotte Ruden REALTOR(r) for Marlboro, Manalapan and Freehold, New Jersey real estate, luxury homes, executive properties - NUMBER1EXPERT™ Charlotte Ruden NUMBER1EXPERT(tm) for Marlboro, Manalapan and Freehold, New Jersey real estate, luxury homes, executive properties

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Charlotte Ruden, REALTOR®, real estate agent and broker for Marlboro, Manalapan and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 732-972-9881.


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Testimonial April 2010
It is with extreme pleasure that I praise Charlotte Ruden as one of the finest real estate agents that I have known or worked with.
Andrew & Lisa Mastrota
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Mortgage Prequalification: Marlboro, Manalapan and Freehold New Jersey home buying, real estate listings, and homes for sale in Monmouth 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 Marlboro, Manalapan and Freehold 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! 

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
Financing Your Home >The Loan Application

When you have decided on a mortgage lender, you begin the loan process by filling out a loan application. You should be fully prepared to go over your current financial situation and credit history with the loan officer.

Have a record of all of your current bank accounts, including the name and address of bank(s), type of account(s), and approximate balance(s). Be prepared to provide details about outstanding loans, including student loans and major credit accounts. You will also need information about your assets, such as car title, stocks and bonds, and life insurance policies. If you foresee any credit problems, ask the loan officer for advice on how to keep them from interfering with approval of your mortgage loan. The loan officer can usually give you a prompt opinion about your chances for obtaining a mortgage.

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Real Estate Trivia
Q 
What does the common acronym FSBO (pronounced fizzbo) stand for?

A 
For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.)
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Charlotte Ruden, REALTOR®, real estate agent and broker for Marlboro, Manalapan and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Charlotte Ruden
RE/MAX Central

The Home Fashion Center--520 Route 9 North
Manalapan, NJ. 07726
Direct Line: 732-972-9881
732-972-1000 ext. 328
Home Office: 732-536-8011
Cell Phone: 732 267 3108
Home Office Fax: 732-536-8611
Email: charlotteruden@NUMBER1EXPERT.com

A native of Monmouth County, NJ, Charlotte is an outstanding Broker/Realtor Associate at RE/MAX Central, specializing in the Luxury Home Market in Colts Neck, Holmdel, Marlboro, Manalapan, Freehold, and the surrounding areas of Central Jersey. Her experience, knowledge, and unsurpassed degree of personal service will enable your success in the purchase or sale of property. She is your best source of information, and in the Central New Jersey area, Charlotte is a NUMBER1EXPERT™!

Equal HousingMLSREALTOR


RE/MAX Central real estate and homes for sale in Marlboro, Manalapan and Freehold New Jersey

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