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Financing Your Home >The Language of Financing

When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.

You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.

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Q	What is the only land in the world that has not been walked on by human feet?
A	A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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Susan Massa, CRS SRES ABR Broker, REALTORŽ, real estate agent and broker for Westfield, Scotch Plains and Cranford New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Massa
Keller Williams Premier Properties
488 Springfield Ave
Summit/westfield
NJ, 07901
Phone/Westfield: 908-400-0778
Phone 2/Westfield: 908-233-1881
Cell: 908-400-0778
Fax: 908-728-3110
Office /summit: 908-233-1881
Email: susanmassa@NUMBER1EXPERT.com
email: smassa5207@aol.com
email: Susan@NJhomeShowcase.com
susanmassa.com: susan@susanmassa.com
Susan Massa is a lifelong and fourth generation resident of the Westfield area. With more than 20 years of experience as a real estate broker, Susan is a terrific source of knowledge about area architecture, education, folklore, history, preservation, recreation, shopping, restaurants, economic development, real estate information and relocation to or from New Jersey. A graduate of Kentucky Wesley College, Susan has a Bachelor of Arts degree in marketing management. She also attended Fairleigh Dickinson University in Madison and Monmouth University in Long Branch for graduate studies in business, marketing and finance. A consistent top producer in sales combined with her outstanding marketing skills earned Susan membership in the prestigious New Jersey Association of Realtors (NJAR) Distinguished Sales Club. She received that honor for over 20 years of membership in the NJAR Million Dollar Sales Club Circle of Excellence 1992-2008, Who's Who in Real Estate, Member of Luxury Homes, Historic Homes, Residential Specialist, E Pro, Seniors Real Estate Specialist, Relocation Specialist, Acredited Buyer Representative,Recognized By the Board Of Chosen Freeholders for the Development Of Adaptive Use in Preservation of Existing Structures, Acredited Staging Professional, and Various Community Service Awards and recognition. A strong commitment to the community, the public and the real estate industry has seen Susan honored with multiple awards including NJAR Realtor Associate of the Year, NJAR Community Service Award and Westfield Community Service Award. Serving New Jersey in Real Estate and across America

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