Joseph Romano

I just returned from the REOMAC convention in Hollywood Florida and want to say thanks to Ralph Barone, who is the DIRECTOR, REOMAC ASSOCIATION OF REAL ESTATE OWNED MANAGERS, INC. for allowing myself and my associate Richard Sendell to join in this event. Hopefully, we will be considered for membership in REOMAC at some later date.

I also am pleased to annnounce that Richard Sendell, (Office Manager Sellstate Access Realty) has been accepted for membership in the NRBA National REO Brokers Association, and want to congratulate him on this acomplishment. This will prove to be a huge asset to our office.

I would like to offer an oppertunity to any Realtor in the New Jersey / New Yrok (Staten Island, Brooklyn)area interested in becoming a REO agent to contact myself or Richard Sendell at our office 908-429-4200. We will be rolling out an extensive coaching and training program during the 1st quarter of 2009 through some of the best qualified people in the REO business. This opportunity is limmited, so if you would like to take your busines to the next level, don't delay.

I also want to announce that the first Sellstate Franchise (Sellstate First NY Realty) will be opening on Staten Island sometime after the new year. Anyone who has a New York Real Estate Broker License, interested in joining us will be considered for a management position at the new office and should contact me asap. Again, I can be reached at 908-429-4200 for more information.

http://www.joinsellstatenewjersey.com

Learn More About Sellstate Opportunities and How You Can Earn A Monthly Income For Life! Unlimited Growth Opportunities With Sellstate Franchises, sellstate, access, nj, NJ, real estate agents, real estate brokers, find a real estate company, sellstate new jersey, join sellstate access realty, real estate training and support, real estate licensing,

http://www.sellstateaccess.com

Sellstate Access Realty Network is a full service real estate company serving New Jersey. Search MLS listings, home values and market information. Sellstate Access, Access New Jersey, new jersey real estate, NJ real estate, NJ homes for sale, new jersey , homes for sale, real estate agents, foreclosures in new jersey, bank owned properties in new jersey, waterfront homes, luxury homes, residential homes, commercial real estate, multi-family.

JOSEPH ROMANO, BROKER/OWNER/WATCHUNG NJ/SELLSTATE ACCESS REALTY/ SELLSTATE ACCESS NEW JERSEY 908-429-4200 info@sellstateaccess.com

There is a great web site for real estate information in New Jersey at http://www.realstorynj.com/

The site reports market conditions around the State as well as information for Buyers and Sellers. It also has a NJAR login page for Realtor resources.

The US Census Bureau reports that in 2007 median household income was was $67,035. According to the U.S. Census Bureau, New Jersey had the 2nd highest median income in the nation in 2007 (behind Maryland at $68,080).

The US Department of Education reports that New Jersey ranked 7^th in the nation in graduation rates. We have one of the best school systems in the country.

I was pleased to read that Money Magazine named seven towns in New Jersey to its 2007 list of "Top 100 Best Places to Live" in America (#13 Montville, NJ, #23 Hillsborough, NJ, #29 River Vale, NJ, #45 Berkeley Heights, NJ, #47 Sayreville, NJ, #58 Readington, NJ, #78 Moorestown, NJ).

Sellstate Access Realty is the regional leader destination for real estate professionals. Our dedicated staff and advanced systems provide the highest quality service, advanced technology resources and personal dedication for your business success. Our diversely structured environment invites unlimited growth while never losing the personal touch.

JOSEPH ROMANO, BROKER/OWNER/WATCHUNG NJ/SELLSTATE ACCESS REALTY/ SELLSTATE ACCESS NEW JERSEY 908-429-4200 info@sellstateaccess.com

Once you have an accepted offer from the seller, we will need to approach your lender to issue a firm commitment.

To issue a firm commitment most lenders require that your sales contract be complete and legally executable, that the home has received an adequate and satisfactory appraisal, and that your credit and financial status has been re-verified.

The firm commitment means you've got a mortgage, and that the financial side of our escrow is acceptable to the lender and the lender's underwriters.

For more information on financing, give me a call today. I can help direct you to the best resources available.

Sellstate Access Realty Network is a full service real estate company serving New Jersey. Search MLS listings, home values and market information. Sellstate Access, Access New Jersey, new jersey real estate, NJ real estate, NJ homes for sale, new jersey , homes for sale, real estate agents, foreclosures in new jersey, bank owned properties in new jersey, waterfront homes, luxury homes, residential homes, commercial real estate, multi-family.

JOSEPH ROMANO, BROKER/OWNER/WATCHUNG NJ/SELLSTATE ACCESS REALTY/ SELLSTATE ACCESS NEW JERSEY 908-429-4200 info@sellstateaccess.com

Depending on whom you ask, you may get different answers to the question of pre-approval versus pre-qualification. Truly definitions vary from lender to lender.

In reality, most lenders offer three forms of financing commitment:

1. Pre-qualification
2. Pre-approval
3. Final commitment

Deciding on which of these is right for you depends on where you're at in the homebuying process.

If you're several months away from purchasing, a pre-qualification will help you get an approximate monthly payment and loan amount. If you're within 90 days of purchasing, then you need a pre-approval. Of course, if you're ready to buy today, then you need a firm commitment.

Please give me a call today and we can review the best options based on your situation.

Learn More About Sellstate Opportunities and How You Can Earn A Monthly Income For Life! Unlimited Growth

Opportunities With Sellstate Franchises, sellstate, access, nj, NJ, real estate agents, real estate brokers, find a real estate company, sellstate new jersey, join sellstate access realty, real estate training and support, real estate licensing

http://www.sellstateaccess.com http://www.joinsellstatenewjersey.com

Sellstate Access Realty Network is a full service real estate company serving New Jersey. Search MLS

listings, home values and market information. Sellstate Access, Access New Jersey, new jersey real estate, NJ real estate, NJ homes for sale, new jersey , homes for sale, real estate agents, foreclosures in new jersey, bank owned properties in new jersey, waterfront homes, luxury homes, residential homes, commercial real estate, multi-family

Pre-approval is really the closest thing there is to a guaranteed loan.

After completing a thorough application and providing all the necessary documents to your financing specialist, the lender's underwriters will begin pre-approval verification. The underwriters will verify your credit history and employment, as well as review your loan file. If everything meets with their approval, then you will be cleared for a specific loan amount.

The only thing to remember is that the final, firm commitment, on the part of the underwriter, is subject to a completed sales contract and a satisfactory property appraisal.

After being pre-approved, your lender will issue a letter of pre-approval that we can use to leverage our offer with prospective sellers.

Please give me a call to move forward with your pre-approval. As you're agent, I'm here to help.

Sellstate Access Realty is the regional leader destination for real estate professionals. Our dedicated staff and advanced systems provide the highest quality service, advanced technology resources and personal dedication for your business success. Our diversely structured environment invites unlimited growth while never losing the personal touch.

JOSEPH ROMANO, BROKER/OWNER/WATCHUNG NJ/SELLSTATE ACCESS REALTY/ SELLSTATE ACCESS NEW JERSEY 908-429-4200 info@sellstateaccess.com