Also in this Issue:

The Borscht Belt

Celluloid Heroes

Dog Eat Dog World

John Hall: Musician

Zoe Bellot

Fish & Game’s Zak Pelaccio Champions Place-Based Cuisine

Reed Street Bottle Shop

Francis Greenburger

Collaborative Catalyst

Space to Dream

Preapproval Is Paramount in Home Buying

Lynn & Mario Callaway

Preapproval Is Paramount in Home Buying: ADG Classic Realty and Classic Mortgage LLC collaborate to ease the home-buying process.

Upstater Magazine   |  By   |  Written by Timothy Malcom

Many home buyers focus so closely on finding the right property that they leave the financing aspect until last. But instead of starting out by searching for a house, suggests Laura Moritz, senior licensed mortgage loan originator for New Jersey-based Classic Mortgage LLC, home buyers should first secure a mortgage loan.

“Listing agents don’t allow non-qualified buyers to look at properties,” she says. “You don’t want your client to fall in love with the $700,000 house only to find out they qualify for the $500,000 house.”

Pre-approval from a respected local lender is “worth your weight in gold,” says Moritz, since it shows local real estate brokers that the client is serious about buying, giving them an edge in submitting a strong offer to the sellers.

Once a client is pre-approved, Moritz’s clients often work with ADG Classic Realty to find a home, especially in the Orange County towns of Chester, Monroe, Woodbury, and Warwick. For 25 years, Moritz has been collaborating with ADG Classic Realty broker/owners Kevin Abrams and Laurie Dziedzic as well as with other seasoned agents at the Monroe-based firm.

“Kevin Abrams and Laurie Dziedzic first consider the client’s needs in every situation,” says Mortiz. “They are honest, good local people; it’s their pleasure to show you the home that suits your family’s needs. They’re not going to try to put you in a house that doesn’t work.”

In fact, the folks at ADG Classic Realty always advise clients on changes they may experience when moving to the area, including helping them understand their transportation options and which services are within proximity to their preferred location. “We know our service area. We know our neighborhoods,” says Abrams. “Along with everything else, we’re obligated to telling clients what we know.”

Warwick, notes Moritz, is a “vibrant family-centered community with plentiful fine dining choices, close to major highways and commuter transportation.” Also, minutes away are the Woodbury Common Premium Outlets; and Sugar Loaf, an eclectic, artisan village, along with hiking, boating, horseback riding, and skiing venues. Hosted in the center of town are “everything from farm-to-table restaurants, fall apple festivities, parades, concert, and an annual New Year’s celebration,” says Moritz.

And it isn’t only the community that is welcoming—Abrams and Moritz do their best to make home buyers feel at home too. “We’ve become good friends with so many of our clients over the years,” says Abrams. “That’s really what our goal is.”

Interested in experiencing Warwick?

Enter a raffle to win a free one-night stay at the Warwick Valley Bed and Breakfast!

To enter, email

Drawing date: May 18, 2017

About Classic Mortgage LLC

Established over 16 years ago, Classic Mortgage a New Jersey Mortgage Firm has become one of the fastest growing residential lenders in the northeast. A full service mortgage banker licensed in New Jersey, New York, and Connecticut, Classic Mortgage provides mortgages for borrowers and homeowners in every income bracket, with all types of credit profiles and employment status.

Read more from Classic Mortgage LLC