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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 908-301-2012.
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Get Free Presentation On My Home Marketing.
Before signing a contract with any REALTOR®, make sure you know EXACTLY how your home will be marketed.
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 Compare three mortgages at one time.
Download TripleCalc now. It's free. |
Gina Suriano Barber is one of The
Top Selling Real Estate Experts™
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Great things to do in Westfield, Scotch Plains, Fanwood, Cranford and places that are a short drive away! Museums and History  
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Adult Gateaways |
Fitness and Swimming |
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Outdoor Fun |
Shopping Adventures |
| • | Westfield (& local) Recreation
Athletic Leagues, Golf Courses, Parks, Pools, Tennis & More! | | • | Watchung Reservation
Coles Ave and New Providence Road, Mountainside, NJ 908-789-3670 | | • | Environmental Education Center
190 Lord Stirling Road, Basking Ridge, NJ 908-766-2489 | | • | Great Swamp Outdoor Education Center
247 Southern Blvd., Chatham, NJ |
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Music and Entertainment |
Outdoor Adventures |
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| • | Trailside Nature & Science Center
Nestled in the Watchung Reservation,this newly renovated site focuses on the environment & has kids-oriented, hands-on activities
452 New Providence Rd. Mountainside, NJ | | • | Watchung Stables 1160 Summit Lane Mountainside, NJ 908-789-3665. Owned and operated by the Union County Department of Parks and Recreation. Adult and children's troops, private lessons, recreational riding in the ring on an hourly and half-hourly basis, guided rides, handicapped riding program, and summer equestrian camp for ages 9 - 17. Barn and facility is open for visits during buiness hours. Birthday party room. |
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Sports |
Kids
of All Ages |
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Request my Free Scotch Plains, Fanwood and Westfield Relocation Package. It's packed full of useful and important information about the Scotch Plains, Fanwood and Westfield, New Jersey area. Don't move here without it! Remember: I'll send it to you for free and without obligation.
There's so much to do in Scotch Plains, Fanwood and Westfield! Let me send you my FREE relocation package about this great area. There's NO obligation, and I promise to respond quickly...
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?
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| A |
Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
