Get Pre-Approved
PRE-APPROVAL 101: WHAT FIRST-TIMERS NEED TO KNOW
If you're thinking about buying your first home, getting pre-approved for a mortgage should be the first item on your to-do list. So, what does that mean and why do you need it?
Pre-approval means that a mortgage lender has gone over your financials and can state, in writing, how much you're qualified to borrow. This is crucial information because it helps you define your price range, the amount of the down payment you'll need in that price range, and even the neighborhoods that are within your financial reach. There's nothing more heartbreaking for hopeful buyers than realizing the home they've set their hearts on is priced too high for their borrowing power.
But these aren't the only advantages of pre-approval. Having that lender "seal of approval" makes you a more solid candidate in the eyes of sellers. And that can make the difference between moving into and saying goodbye to a home you love.
In most cases, unless you are planning to purchase a property in cash, you need to have a pre-approval to even send in an offer.
So take that important first step toward homeownership by getting pre-approved. Contact a local RE/MAX agent who can help you navigate the whole process.
Pre-Approval Prep:
To get ready for pre-approval, know what's in your credit reports, pay off as many outstanding debts as possible, and get your financial papers in order. You'll be asked to provide several types of documents, including:
- Photo ID (usually a driver's license or passport)
- Social security number
- Recent pay stubs - usually for the previous two months
- W-2 tax forms for the past two years
- Two years of federal tax returns
- Two months of recent bank statements
- The lender may also ask for any other investment and savings statements, as well as contact information for your landlord (if you're renting).
- After your paperwork is complete, the lender can often respond in as quickly as 48 hours.
Need a Trusted Lender? We have one!
Testimonials
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I had the pleasure of meeting Connie over three years ago when she took so much time to show me numerous properties. No location or time was to far or to inconvenient for her. I finally purchased the perfect place to call home. Since my experience was so great, I called Connie several years later when I was ready to sell. She immediately showed up and within a few weeks my place was sold! Hassle Free!
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- Maureen B.- Sold a Home November 2015
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Connie is highly recommended by me and my family. She has sold 2 houses for us. The last house was listed and closed within 60 days. She keeps in touch with you throughout the process and makes the process hassle free. 
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- Nancy G.- Sold a Home August 2017
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I've worked with Connie to both buy and sell a house. When I was a buyer (ten years ago), Connie really listened to what I was looking for and gave me options that fit all my criteria. When I was a seller (this past year), Connie knew how to market my house so that it appealed to just the right audience. For both processes, Connie was honest, reliable, and hard-working. She took bumps in the road in stride and always kept us on the right track. I have complete confidence in her and would definitely call her if I was going to buy or sell again.
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- Michelle M.-
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Connie is the most knowledgeable professional and compassionate realtor I've ever had. I have worked with her on both of my homes purchased. Absolutely the Best in the Business!
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- Kim M.- Purchased a Home October 2019
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I've had the pleasure of working with Connie Curci for almost 6 years now! Connie is the very definition of a professional in regards to buying or selling your home. If you call Connie Curci, start packing!!!
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- David L.- Professional Testimonial: Director of Sales, National Integrity Title
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Connie is very reliable. She is so sweet and awesome! She is very helpful too. She is very patient with us. She treats us as her family. She will walk you through every step of the way.
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- Kate G.- Purchased a Home April 2020
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She is very professional... I'm happy to have used her services... She is caring and was very helpful and I would recommend her to a friend. Thank you Connie.
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- Haiba A.- Purchased a Home November 2016
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Connie is the best agent in searching & finding a home which matches your criteria & budget. She has a perfect team for each step of the process. Highly recommended.
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- Maryam K.- Purchased a Home September 2025
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Connie was amazing from the start. My boyfriend and I had a very bad experience with our first realtor and that lead us to find Connie. She is so caring and truly works her hardest to find you a forever home! We highly recommend her!!
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- Kristin L.-Purchased a Home November 2016
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Connie was the consummate professional. She was always available both when I was looking for a home and when I eventually sold it. She is quick to respond to calls, emails, and is very knowledgeable. I've personally worked in the mortgage business for 37 years and while I have quite a bit of experience with the real estate industry there were times I asked for her counsel and her guidance was appreciated. I can highly recommend Connie for all your real estate needs. Thank you again. Nick
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- Nick C.- Sold a Home August 2019
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From the first phone call, Connie eased our nerves as first time home buyers. She was with us every step of the way and helped reassure us when we got disheartened during the search. She even helped us quickly get a competitive offer in on the house we currently own. Thank you Connie for everything! We couldn’t have asked for a better realtor.
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- Shannon J.-Bought a Home December 2025
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I recently purchased a home in South New Jersey. As with most home purchases, we experienced a number of hiccups along the way. Connie and her staff were there to help find the answers, the documents, the experts, etc. for each and every issue. I am very thankful for her, and I highly recommend her to anyone looking for a really good realtor.
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- Jeanette S.-Bought a Home October 2025
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Our team had the pleasure of working with Connie Curci on a recent transaction and it was was a true pleasure! Her professionalism and communication were most appreciated. She made the entire process smooth and efficient for all involved. Our shared commitment to our clients and our profession are making a notable impact on our industry. Thank you Connie- we look forward to working with you again in the future! Congratulations to you clients!
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- Mike Lentz Team- Professional Testimonial- March 2025
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Thank you connie for helping me with all of this. You really did make everything easy and I’m very grateful. [...]
Thanks so much again!
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- Gary C.- Bought a Home July 2025
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Connie and her staff are amazing!!! They are quick to respond to questions and follow up on everything. It was a great experience.
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- Lisa N.-Sold a Home July 2025
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I highly recommend Connie!! I am a first time homebuyer and Connie made this a wonderful experience. Connie provided frequent updates and handled any issues or concerns timely. She is very knowledgeable, and guided me through the process with genuine care and understanding. She even made my 2 year old feel like she was apart of the process! I can't say enough of how grateful me and my family are for Connie.
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- Alycia C.- Purchased a Home October 2019
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She's so thorough and always keeps our best interest in mind. We Love Connie. From the first time we met her in 2010 until today she's always been so warming and professional. She's our realtor on any future endeavors that's a fact.
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- Robert R.- Sold a home March 2018
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Connie was contracted to sell my father's house as he has passed away. She was extremely sensitive to me and my sister's needs. She worked very hard to get us the right buyer and walked us through the whole process. I was so impressed with her skills that I'm going to uses her to help me buy a townhome!
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- Pat E.- Purchased a Home October 2017
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Connie and her whole team were great during the recent sale of our home. We used Connie’s services when we first to NJ, in our current sale, and will use her again to purchase our next home. Highly satisfied!
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- David Williams- Sold a Home July 2025
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I would highly recommend Connie. We listed an estate owned home and it was sold within days. The process was smooth right through until closing!
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- Siobhan C of Garden State Trust Co- Sold a Home June 2018
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This is my 2nd realtor. The first realtor I had was a nice but lack of experience cost us our dream home. When I met Connie, I told her what I was looking for and she has been very honest with me. Connie responds to emails right away and has made the experience much more pleasant. I haven't found my home yet (it's only been a few weeks) but I feel very close to it. Sometimes when I read these reviews, I don't think they're true but this one certainly is! Connie is great. I'll be sure to update when we find the house of our dreams. Thanks Connie for being so patient.
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- Leen B
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Connie has helped me and my family buy and sell homes in the South Jersey area since 2010. She is extremely professional, upfront, and will work hard to find you the perfect house or the perfect buyers.
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- Robert G.- Sold a Home April 2016
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I just want to take the time to share my experience with Connie Curci and her amazing team. From the beginning to the middle and to the end, Connie Curci handled my family with care. She explained everything that she was going to do to execute the dual sale. She never left us hanging and fought for us tooth and nail every step of the way. Her Team was always there to answer any questions that we had. She did many little special things that made us feel special. I have never had a realtor send a beautiful wrapped bow of moving boxes, 2 in every size, to our doorstep to assist with our move. Connie Curci really offered stellar service throughout the entire process. The description that she wrote to sell our home was right on point to what we had to offer to the buyer. Connie Curci has a genuine care for her clients. When we closed, we received a beautiful gift wrapped gift basket with many treats and surprises. Do you want to sell your home, are you looking for an exceptional agent who will never leave your side and make you feel like you are her only client, when you know that she has so many other clients. Then I’m gonna ask you what are you waiting for, pick up the phone and call Connie Curci, make sure you tell her that I sent you🙂
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- Romona M.- Bought and Sold a Home in September 2025
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We cannot thank Connie enough for her incredible support throughout our home-buying journey! From the very beginning, she was knowledgeable, patient, and truly had our best interests at heart. She took the time to understand our needs, helped us navigate a competitive market, and provided expert guidance every step of the way.
Even when challenges arose, Connie was always proactive and resourceful, ensuring that we stayed informed and confident in our decisions. Her professionalism and dedication made the process so much smoother than we ever expected.
If you’re looking for a realtor who genuinely cares and will go above and beyond to help you find the perfect home, we highly recommend Connie! She is an absolute pleasure to work with, and we are so grateful for all she has done for us.
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- Jenny F.-Bought a Home March 2025
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Connie is amazing! She was so helpful during the entire house shopping and buying experience. The house buying process is very different right now with everything going on but Connie made it feel like we weren't in the middle of a pandemic. She is also helping us sell our current home which we received an offer on within 10 days! We couldn't believe it and we're so thankful towards Connie for helping that happen. We highly recommend Connie for all your buying and selling needs!
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- Jessica F.- Sold and Purchased Homes April and June 2020
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Completely professional, very pleasant personality. Entire processing of our home sale went very smoothly. Was always there when we had any questions. She even helped us in providing great technical people for some repairs. We sure felt like we were in good hands. There are not too many realtors like her. Thank you Connie for all your help.
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- Alok S.- Sold a Home February 2019
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Connie is everything you could ask for (and more!) in a Real Estate Professional. She is incredibly knowledgeable and patient, and always took the time to answer our questions and share her expertise. Connie has a strong network of trusted professionals that she recommends, which is an invaluable resource. Because of the guidance Connie provided us, we were able to buy our dream house quickly ad painlessly. We couldn't be happier in our new home. I highly recommend Connie to anyone looking to buy a home!
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- Elizabeth D.- Purchased a Home January 2020
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I want to start off by saying that my husband and I were first-time buyers. With that fact comes a lot of stress and nerves but when we met Connie for the first time, she immediately talked us through the process so we could understand and feel comfortable about buying our first home. She was extremely helpful and was always quick to respond to any questions we had via phone, text message or e-mail as she was very knowledgeable in her line of work. I think the best quality my husband and I loved about her is her personality and how she was very personable ever since we first met and didn’t pressure us into making decisions or rushed us through house tours. I would definitely recommend her to others who seek their first home or are even looking to buy another home. Thanks so much, Connie for helping us find our first beautiful home!
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- The Castillos- Purchased a Home May 2018
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Connie is great! professional and a pleasure to work with I would give her 6 stars but that's not an option. I would highly recommend Connie to anyone looking for realtor.
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- Tim W.- Sold a Home May 2019
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Connie’s team at remax just sold my father’s home in cherry hill. Brady and Alli were very in tune with our families needs and answered every question and concern we had. Brady especially, came by the house several time to make sure things were going smoothly, and we sold our house in less than a month. If you are selling a house, I highly recommend Connie, Brady, Alli and the crew at remax.
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- Frank M.- Sold a Home July 2025
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Connie was very helpful and honest in handling the sale of my home. It was a pleasure to work with her during all phases of the sale. I would highly recommend her to be your listing agent or have her find your future home in southern New Jersey. Thanks again for the superb service you provided.
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- Robert C.- Sold a Home January 2017
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Connie is the best . Through thick & thin she is always there. No matter how many stupid questions I had asked , Connie always gave me answer with a smile. Connie got us to the finish line with our forever home. Thanks so much Connie. I hope you will one day sell a home to our daughter.
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- Sandy P.- Bought a Home May 2025 and Sold a Home July 2025
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It was a great pleasure to work with Connie!!!! She is very knowledgeable and extremely professional. She made the process so easy and comfortable for me. I was truly blessed to work with her!
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- Daliborka M.- Purchased a Home April 2017
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We have used Connie in the past for both buying a house and selling and would recommend her to anyone looking to buy or sell a house. Connie was the best. She was very patient and showed us many houses and I started to get frustrated but Connie was like don't worry you wil find your house and even though it took us some time we finally found the perfect forever home. Thank you!
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- Kim L.-Bought a Home May 2025
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As a military family, we are no strangers to buying or selling a home. Connie made the sale of our home a memorable and low-stress experience. Her knowledge of the market, can do attitude, outstanding team, and ability to get things done fast made all the difference for us. I wish there were six stars to give.
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- William C.- Sold a Home July 2025
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Great Guidance, Support, follow up, professional and personal care thorough in completion of sale.
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- Brian F.- Sold a Home May 2025
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Connie was great, She was very informative on all the questions we had about buying and selling. I never felt rushed with Connie, no matter how long I wanted to look at a house she would always say "Take your time". She was extremely patient. I highly recommend Connie for buying and or selling.
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- Meta W.- Purchased a Home October 2016
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Connie is the hardest working agent in the business! She was knowledgeable, diligent, and responsive, through all of the ups and downs of our journey to a successful sale. I'd highly recommend Connie!
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- Bill S.- Sold a Home October 2018
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Connie Curci sold my house in a week! I never imagined that selling my house would be so easy. Connie is so efficient and knowledgeable. Connie's experience and dedication to her clients made the sale of my house feel completely stress-free! I would absolutely recommend Connie to anyone buying or selling.
Thank you Connie*****5 Stars
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- Wendy K- Sold a Home January 2025
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Moving is always a strain on military families, and our recent move from Texas to New Jersey was no exception. We were incredibly fortunate to have worked with Ashley McKie in Texas, a realtor who set the bar incredibly high. When we received our orders, we asked Ashley for a recommendation in New Jersey, someone she trusted implicitly. She connected us with Connie Curci, and from the moment we began working with Connie and her team, including Alli and Robert, we knew we were in exceptional hands. They not only met but exceeded our expectations. Buying a home requires a tremendous amount of trust. You're placing your faith in someone to guide you through a complex process, hoping they truly have your family's best interests at heart.
With Connie, Alli, and Robert, that trust was immediate and well-placed. They took what could have been an overwhelming experience and made it feel almost effortless. During a time when I was juggling the demands of military service, their support was invaluable, lifting a significant weight off my shoulders. More than just facilitating a transaction, Connie and her team built a genuine connection with our family. They understood the unique challenges we faced as a military family and provided support that went above and beyond. This personal touch transformed what could have been a purely business interaction into a truly meaningful experience. We are deeply grateful for their expertise, their dedication, and the genuine care they showed us. Thank you, Connie, Alli, and Robert, for welcoming us to New Jersey and making this transition so smooth. We are incredibly fortunate to have you in our corner.
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- Terrence D.-Bought a Home March 2025
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Connie is AWESOME!!! My husband and I met her a few years ago when she helped my parents by their home. She is very honest and professional, as well as aggressive. She always puts her clients first and will always fight for you and have your best interest at heart!
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- Keeyana C.- Purchased a Home June 2017
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A very knowledgeable Realtor who went above and beyond to provide exceptional
service. Every detail of the process was explained, all showings of the home were documented, the closing deal was negotiated to my advantage. The selling of my home and the purchase of my new home was a smooth transaction. Connie guided me through both transactions and gave me the advice I needed to have a successful sale and purchase. I appreciated all her assistance with this double transaction.
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- Joyce M.- Sold and Purchased a Home June 2015
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Constance Curci was the absolute best!!! She was extremely patient with us and showed us MANY properties until we found our dream home. Very professional and knowledgeable as well
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- Kevin W.- Purchased a Home July 2017
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Every review I have read is a clear representation of who Connie is professionally and personally. She is genuinely the "real deal"...what you see, what you hear...is what you get all the time :). Yes, clearly she knows her craft and it has been proven through her many sales; her ability to push through all obstacles when she is working for her client. But, even greater for us...It doesn't matter whether your house is valued at 50,000, 100,000 or 300,000; she is going to fight for you and do everything possible to sell your home! I could go on, but there is not enough space or time for me to continue telling you just how wonderful Constance Curci is..to us...to all of her clients. I have officially named Connie the "Terminator" and her assistant, Eileen is the "enforcer" :) because they were the dynamic-duo through the "entire" process!! What can I say her other clients have said " when you hire Connie for your realtor, you should just pack your bags!" And that's exactly what we did and our house sold! God brought Connie to us and -as they say- the rest is history! Sold 8/1/18! Connie and Eileen, thank you for everything you have done for us!!
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- Elwood D.- Sold a Home July 2018
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Excellent experience! Constance is a true professional in everything that she does. She is totally prepared, thinks "out of the box", listens to the wants of her clients, and cares about their needs. She simply cares about the people she works for. I would recommend her to anyone who could use a Realtor. Her patience is seems to have not limit.
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- Barry S.- Purchased a Home August 2019
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Connie was phenomenal in helping me through the process. I had to travel from out of town to search for homes and she went out of her way to pick me up from bus stations. And also drove me around. It felt like I'd known her a long time. You will not be disappointed working with Connie!
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- Sonate G.- Purchased a Home December 2015
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Connie is the best around. She worked with me for almost an entire year to help me find the perfect home for me. It was exactly what I wanted/needed. I couldn't have asked for a better or more knowledgeable expert in the real-estate field.
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- Hunter R.-Bought a Home January 2025
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We used Connie to purchase our first home in 2004, and again to sell it and move to a larger home in 2018. She is knowledgeable, helpful, and extremely thorough. She is detail oriented and walked us through the whole process from beginning to end. Connie was a pleasure to work with and we will continue to recommend her to family members and friends.
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- Lauren J.- Sold and Purchased Homes August 2018
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consummate professional....courteous and responsive and extremely knowledgeable. a pleasure to work with. I would recommend Connie to anyone intending to buy or sell a residential residence.
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- Steve S.- Sold a Home February 2020
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I would highly recommend Connie as a buyer's agent. She is very knowledgeable about real estate and she was always accessible. She made the purchase of my condo go very smoothly!
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- Dale E.- Purchased a Home June 2018
The data relating to real estate for sale on this web page appears in part through the
Cape May County MLS program, a voluntary cooperative exchange of property
listing data between licensed real estate brokerage firms in which we participate,
and is provided by Cape May County MLS through a licensing agreement.
Disclaimer: All information deemed reliable but not guaranteed and should be independently verified.
All properties are subject to change, withdrawal, or prior sale.
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