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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-509-3015.
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Get Free Presentation On My Home Marketing.
Before signing a contract with any REALTORŪ, make sure you know EXACTLY how your home will be marketed.
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"It was a pleasure to meet & work with Kathy..."
"Kathy's local knowledge,experience and thoughtful commitment were greatly appreciated..."
Karen New Homeowner Maplewood NJ
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 Compare three mortgages at one time.
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Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As a top Montclair, Bloomfield and the Caldwells REALTORŪ, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market. I have direct access to the Montclair, Bloomfield and the Caldwells area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers.  Tell me what you are looking for! It's my job to know every property in Montclair, Bloomfield and the Caldwells, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible...
First Time Buyers >A Great Opportunity
Home ownership may seem like "the impossible dream" to first-time buyers who have to stretch in order to purchase their first home. Many younger buyers can afford the monthly mortgage payments, but may have to get creative to cover the down payment and closing costs.
Contact a real estate professional if you are thinking about buying your first home. For those whose funds are limited, there may be possibilities you have not considered, such as local or federal loan programs that can help get you moved into your new home. There are many flexible new mortgage loans available to first-time buyers. Sellers are sometimes willing to extend a small loan to help cover closing costs in order to complete the sale.
You can also consider the many housing options available. There are beautiful condominiums and townhouses with desirable amenities and prices that are designed to appeal to first-time buyers who cannot yet afford a single-family detached home.
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| Q |
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
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| A |
Lender in these states must pay interest on funds held in escrow accounts. |
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- NUMBER1EXPERT™ 
