Special Offers From Me To You! 

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Tom Heyl
Keller Williams Realty
488 Springfield Ave.
Summit, NJ 07901
Office: 908-273-2991 x 116
Mobile: 973-479-1898
Fax: 908-273-2996
TomHeyl@KW.com

Born and raised in Chatham Township’s, Green Village, NJ, Tom offers unparalleled local real estate market insight and expertise. Tom is a graduate of the Chatham School system and Rutgers University’s Cook College with a Bachelor of Science degree in agricultural economics. Tom previously worked at his family’s business, Heyl Roses Inc. in Green Village. Heyl Roses was the last and oldest commercial rose and cut flower grower in New Jersey. Tom Heyl has been an active part of the Chatham area community by serving as the former Deputy Chief of the Green Village Fire Department and was an alternate member of Chatham Twp. Board of Adjustment as well as an appointed member of the Morris County farmland preservation committee. Tom currently serves as an active member of the New Vernon Volunteer Fire Department. Tom has two children currently attending Chatham schools. Tom Heyl has been Full Time Realtor since 1998 and is consistently one of our area's top producing Realtors. Tom provides the same excellent level of service to all of his clients whether they are first time buyers or estate caliber sellers. Tom also has a unique perspective and knowledge of new construction, currently working with several fine home builders and renovators. Specializing in the Chatham’s, Madison, New Vernon, Morris Twp., Summit, New Providence and surrounding communities.

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