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All agents are NOT alike! I have had over $45,000,000 in sales since 2009. WORK WITH A PROFESSIONAL. Call me: 732-614-1429 cell.
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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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Betty Laboska is one of The Top
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 Hi. I am Betty Laboska of Remax Prestige. Thanks for stopping by. I am a Top Realtor who specializes in selling homes in the Monmouth and Ocean County area. I am the Top Producing and Top Selling Agent in my offce.
I believe that I stand out among other real estate agents because of my dedication to my clients. I possess qualities of honesty and integrity, which, unfortunately, seem to be rare in this industry. My client's are my NUMBER ONE priority. I can be reached by phone from 8AM until 10PM. If that's not dedication I don't know what is! I have decided to devote this portion of my life to two things.....selling Real Estate and being with my grandsons Mackey and Logan. Once you get to know me, you'll understand why my clients are so comfortable with me. My motto is providing "Service with the Golden Touch." and I strive to do just that every day. If you're looking for someone to help you buy or sell a house, you have come to the right place. Just get comfortable, have a seat and feel free to browse through my site. If you have questions about any properties, whether they are listed with me or not, don't hesitate to call me. I will be here to provide you with the service that you need and deserve. "I GET RESULTS!"
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Financing Your Home >Qualifying For A Loan
It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.
Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.
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What does the term ARM stand for?
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An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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