Hillsdale, Old Tappan and River Vale real estate and homes for sale in New Jersey - Paula Clark, REALTOR® Paula Clark REALTOR(r) for Hillsdale, Old Tappan and River Vale, New Jersey real estate - NUMBER1EXPERT™ Paula Clark NUMBER1EXPERT(tm) for Hillsdale, Old Tappan and River Vale, New Jersey real estate
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Paula Clark, REALTOR®, real estate agent and broker for Hillsdale, Old Tappan and River Vale New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)


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FINDING THE RIGHT AGENT IS INVALUABLE!One of lifes' most Important decisions.CALL PAULA CLARK TODAY! (201) 930-8820 X130Direct:(201) 930-3070


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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Real Estate Trivia
Q 
What three things are necessary in order to purchase a home?

A 
Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
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Paula Clark, REALTOR®, real estate agent and broker for Hillsdale, Old Tappan and River Vale New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Paula Clark
Coldwell Banker Residential Brokerage

50 Broadway
Hillsdale, NJ. 07642
Owned & Operated by NRT Inc.
Office:: 201-930-8820 ext. 130
201-930-3070
Mobile: 201-280-0056
Fax: 201-581-0416
Email: Paula@PaulaClarkRealtor.com
RealtorPaula777@aol.com
Paula.Sellmyhouse@gmail.com

I have been a licensed Realtor in Bergen County, New Jersey for 12 years. I have lived in Bergen County, New Jersey for over 24 years. During the mid 1990s I was Fort Lee's Commissioner of Housing for 5 years. Married for 25 years with two children ages 21, and 17. I volunteer for many commitees in my community. Currently, I am Chairperson of Old Tappan's Oak Tree Property Committee as well as the Old Tappan's Environmental Commission. There is a new Park in Old Tappan that we are extremely proud of. A passive park with gazebo walking paths, benches, Water fall, and memorial for remembering our loved ones lost to terrorism. "Oakes Park of Old Tappan" I have represented Buyers and Sellers of Residential Real Estate all over Bergen County. Because of my vast experience all over Bergen County, I bring Buyers and Sellers together for that perfect match from every where. I am a "Relocation Specialist" and a designated "Previews Specialist". I am a full time professional agent, with a great deal of energy, enthusiasm. I take pride in my profession. Assisting my clients so they get to the closing table with ease is my highest priority. I care about my clients, and do everything to make sure each transaction goes as smoothly as possible. I have a unique marketing strategy unlike any other Realtor. I have a great team that assist me in making my profession one that will service ALL of my clients. Coldwell Banker is the Number 1 Company in All of Bergen County. Not only have we consistently held the Top Market share in my area... We are also on the cutting edge in Internet marketing. The Rapid Response system allows us to contact prospective buyers immediately. 80% of Buyers are searching for homes via the Internet. The Paula Clark Team will make your move smooth, and stress free. We are with you from start to finish. I work hard at being "Your Realtor for life"

MLSEqual HousingREALTORERCRELO


Coldwell Banker Residential Brokerage real estate and homes for sale in Hillsdale, Old Tappan and River Vale New Jersey

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