 Frederick Yahn, Your Middletown, Hazlet, Atlantic Highlands, Holmdel, Seabright, and Monmouth Beach,and Monmouth County NUMBER1EXPERT. Also serving all of Monmouth and Northern Ocean County. "The only time success comes before work is in the dictionary. I am your local full time, full service Realtor". Business Philosophy You can rest assured, I am a full time Realtor that enjoys working through all aspects of the Real Estate transaction. I am a full service, full time agent. Education and Training Graduate of Coldwell Banker University Attended New Jersey Institute of Technology Numerous continuing education courses in real estate. Awards and Designations CENDANT MOBILITY RELO agent USAA certified relo agent First recipient of the Coldwell Banker Middletown office's "Outstanding Service Award" Areas of Expertise Specializing in first time home buyers. A skilled negotiator to get you the best terms possible. Internet Marketing Specialist Community Involvement Village School Parent Teacher organization Hazlet United Soccer BYAA Soccer , Middletown Personal Background Husband, Father of two great kids, Freddy Jr. and Carolyn Firefighter/EMT Very strong background in home improvements Licensed Coast Guard Captain 10 years Private pilot experience Journeyman diesel mechanic in NJ 1982 Former United Parcel Service Driver, Jersey City A Hugh Disney fan, if you need a DISNEY vacation question answered , you can ask me. Communities I Serve Middletown, Hazlet, Holmdel,Union Beach, Keyport, Tinton Falls, Sayreville, Brick, Ocean,Toms River, Highlands, Atlantic Highlands, Matawan, Old Bridge, Colts Neck, Freehold, Monmouth Beach, Sea Bright,NJ. 
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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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| Q |
What four states in the Southwest are noted for having boundaries that touch.
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| A |
New Mexico, Arizona, Utah and Colorado, referred to as the "Four Corners", have adjoining boundaries. |
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Frederick Yahn Coldwell Banker 864 Hwy 35 Middletown, NJ. 07748 Office: 732-796-2522 Cell: 732-995-9525 Fax: 732-671-0420 Email: AMillionHomes@yahoo.com
Frederick Yahn, Your Middletown, Hazlet, Highlands,Atlantic Highlands,Monmouth Beach,Seabright,Keyport, and Holmdel NUMBER1EXPERT. Also serving all of Monmouth County and Northern Ocean
County. "The only time success comes before work is in the dictionary. I am your local fulltime, full service Realtor".    
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