"Success in RE comes down to two factors: taking risks and taking action!"
Unknown
Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Reviews
Paul did a great job every step of the way. Even when other people were worrying, Paul was calm and took care of whatever needed to be done. We would definitely recommend for anyone who wants intimate knowledge of the East Windsor/Hightstown and surrounding area.
Steveuccio
As i read all of the reviews for paul i must say they took the words out of my mouth. Everything said is so true. I met with several realtors before paul but as soon as i met him i knew he was the one and cancelled my other meets. He not only became my realtor but also a friend. He was a godsend. He guided me thru the whole process and of course the problems that always appear but are never expected. I worried but he was calm and always handled everything. After awhile i stopped worrying because i knew he had my back and would handle it. He is very knowledgeable and easy to reach by text or phone. Always returns calls quickly and no question is too small to ask. He basically took care of everything for me even if it wasn't his job (and most of it wasn’t). I am so grateful i found him and would recommend him without hesitation. He goes above and beyond what any other realtor would do for you.
sd080551
It was a wonderful experience working with Paul Hummel. His knowledge of the local market, expertise of the selling process and the way he helped going beyond his regular responsibilities were exceptional. We closed at a record setting value and cannot be more happy with the overall experience
4/27/2022 - rajajuly112
My experience with Paul Hummel was an absolute life saver! My father died and left me with an avalanche of papers and materials to deal with. Paul made the traumatic situation easier and less difficult . He dealt with everything so I could go back to Western Massachusetts. I am forever indebted to him for providing me with impeccable service and support!! A+++ A wonderful Real Estate Agent, and an Amazing human being! Paul, I appreciate you so much! Thank you!
Amy Ross
I can’t say how grateful I am to have had Paul be my realtor. From the moment we meet at my house, to the final closing sale of my home at the attorneys office. He walked me through the whole process of selling my home and was extremely knowledgeable and patient to answer all my questions. He is a true professional in this business with a desire to put his clients first. Also something important I have to mention is that Paul is always available via text message or phone call, he never left me side during the process. If I could give him 10 stars I would!
5/6/2023 - sbnova355
Paul is the best; he helped us buy a new home and also helped us to sell our old home. For buying the new home, he tirelessly worked to show us several homes which met all our expectations, and during the buying process, he was every step of the way closely supported us. After we moved to the new home, he listed the old home for sale and found a buyer within two weeks. During the sale process, he helped us with all the processes and procedures we need to complete as a seller. We strongly recommend Paul for any real estate transaction.
1/4/2021 - ShriramSrivatsa
Paul worked very hard to sell my house, his positive attitude makes any situation good, he's easy to talk to and work with. He never gives up no matter what. The best realtor I've ever worked with and will use him again in the future.
Denise
Paul was wonderful to work with. His knowledge and expertise were top notch and he was very quick to respond to any questions I had. Even after the closing he was super helpful with some ongoing issues. I highly recommend him.