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Why Buyers Choose Stephanie Mallios - Why homebuyers looking for a real estate agent in the Millburn/Short Hills, Maplewood and South Orange area choose Stephanie Mallios. Latest Listings - Get Stephanie Mallios' latest Millburn/Short Hills, Maplewood and South Orange listings of homes for sale first! Find Your Perfect Home - Stephanie Mallios will search for your ideal home and email you the newest Millburn/Short Hills, Maplewood and South Orange MLS listings of properties in Essex County NJ. First Time Homebuyers - Are you a first time homebuyer in Millburn/Short Hills, Maplewood and South Orange, NJ? Choose a top real estate agent. Stephanie Mallios can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Millburn/Short Hills, Maplewood and South Orange house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Millburn/Short Hills, Maplewood and South Orange Homes, For Home Buyers, For Home Sellers, Millburn/Short Hills, Maplewood and South Orange Information, Real Estate Resources, and About Stephanie Mallios. 
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First Time Buyers >Your Investment
Shelter is a very basic human need which most people accommodate by renting or buying a house or apartment. Rental property is often less-than-perfect. Tenants usually experience a rent increase every year or so and feel somewhat at the mercy of the owner. They don't necessarily feel a strong commitment to the property or the community.
Making a decision to buy a house is a major commitment, and the decision has both economic and emotional implications. Instead of paying the landlord's mortgage every month, homeowners pay their own mortgage and build up equity in their investment. When they paint, plant flowers or make improvements, their family reaps the benefits of a more beautiful environment. Homeowners are much more selective than renters about finding the perfect home, and their sense of personal satisfaction heightens the pride of ownership.
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| Q |
What document must lenders provide within three days of receiving your application for financing?
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| A |
The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan. |
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