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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-900-0337.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Elizabeth Winterbottom is one of The Top Selling Real Estate Experts™
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Welcome, I’m glad you found me…  My goal: work with you from start to finish to ensure that the process of completing your real estate transaction is both successful and as stress free. I never forget that buying a home is the largest purchase most people will ever make. Once I ascertain your needs, I will help you complete your transaction smoothly while saving you as much time and money as possible. This level of service, in spite of today's complexities, requires the utmost in professionalism, knowledge, dedication and confidentiality. My satisfaction comes from clients who have found a place to call home as a direct result of my hard work and positive attitude. Embracing these attributes as a realtor is why my clients come back to me with repeat business and also refer me to their family and friends and neighbors. The towns I specialize in are: Short Hills, Millburn, Maplewood, South Orange, Summit, Madison, Chatham and Westfield (and the New Jersey shore). Email me today, I look forward to working with you. - Elizabeth Winterbottom |  | | | | |
Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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| Q |
Which house over 100 years old still holds the title as the largest house in the U.S.?
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| A |
The 250-room Biltmore House in Asheville, NC, built 1890-1895 at a cost of $4.4 million, is the largest house in the US. |
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