Short Hills, Millburn, Livingston and Summit real estate and homes for sale in New Jersey, luxury homes, custom homes - Elaine Pruzon, REALTOR® Elaine Pruzon REALTOR(r) for Short Hills, Millburn, Livingston and Summit, New Jersey real estate, luxury homes, custom homes - NUMBER1EXPERT™ Elaine Pruzon NUMBER1EXPERT(tm) for Short Hills, Millburn, Livingston and Summit, New Jersey real estate, luxury homes, custom homes
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Elaine Pruzon, REALTOR®, real estate agent and broker for Short Hills, Millburn, Livingston and Summit New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)




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For Buyers: Short Hills, Millburn, Livingston and Summit New Jersey home buying, real estate listings, and homes for sale in Essex County, NJ
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Why Buyers Choose Me: Why homebuyers in the Short Hills, Millburn, Livingston and Summit area choose Elaine Pruzon as their Realtor
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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Real Estate Trivia
Q 
Where is the world's largest dome?

A 
The Louisiana Superdome, with a diameter of 680 feet, is located in New Orleans, Louisiana.
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Elaine Pruzon, REALTOR®, real estate agent and broker for Short Hills, Millburn, Livingston and Summit New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Elaine Pruzon
Coldwell Banker

545 Millburn Avenue
Short Hills
NJ, 07078
Direct: 973-715-8555
Office: 973-376-5200
VoiceMail: 973-467-4823
Email: elainepruzon@NUMBER1EXPERT.com

Elaine Pruzon, a long time resident of Essex County, NJ, hails from Montreal Canada and brings to real estate a novel approach – one of creative thinking, skillful marketing, and most of all a compassionate and enthusiastic attitude. A graduate of McGill University, her talent lies in her insightful problem-solving ability and sound detail-oriented business philosophy. She has been named the #1 Sales Associate in Coldwell Banker’s Short Hills Office from 1996-2006, as well as the #1 agent in Short Hills for 2000-2003. She has listed and sold more homes combined than any other agent in town for 2004-05. Elaine is a member of Coldwell Banker’s International President’s Premier Club and has earned the NJAR Million Dollar Club Gold Level Award from 1996-2001 and Platinum Level Award in 2002-2006. She is also a Previews Properties Specialist and a Relocation Specialist. Her commitment to excellence is unparalleled. If you have any real estate needs, simply call Elaine and pack your bags. She’s a real PROfessional.

Equal Housing CRS REALTOR MLS


Coldwell Banker Residential Brokerage real estate and homes for sale in Short Hills, Millburn, Livingston and Summit New Jersey

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