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Call me for all your real estate needs @ 973-233-2040.
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Julie proved to be patient, honest, friendly, responsive, knowledgeable, and above all, very diligent and reliable.
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If you are ready to BUY or SELL your home, I am ready to help you make the move. BUYING A HOME Whether you are a first time home buyer or a savvy repeat buyer, I will listen to your needs and desires to help you find the perfect home. Looking for a home takes a lot of time and energy and I will work hard on your behalf. Expect frequent communications, via e-mail, phone & text message. I’m here to answer your questions and provide help in any way I can. Through effective negotiating and attention to detail, I am always working for YOU! SELLING A HOME My goal is to sell your home for the best price in the shortest timeframe. Preparing your home for sale, setting the right price and a comprehensive marketing plan are key components for achieving this goal. Call me –I would love the opportunity to share my marketing strategy with you and provide you a free comparative market analysis. If you are a Buyer or Seller in the Montclair New Jersey area or in any of the wonderful neighboring West Essex towns such Bloomfield, Cedar Grove, West Orange,Glen Ridge, Nutley,The Caldwells or Verona, please contact me today for expert help and advice. That's my job. Browse around my website -view featured homes, search the MLS, community and school information. You can even get pre-approved for a mortgage through Coldwell Banker Home Loans. Contact me today and let's get started! - Julie Salmon  |
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Learn about Montclair NJ Real Estate on this site!
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Financing Your Home >Hybrids Offer Low Rates In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.
Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.
Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.
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| Q |
Where is the world's longest spiral staircase?
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| A |
The White County Coal Mine in Carmi, Illinois has a spiral staircase that measures 1,103 feet and has 1,520 steps. |
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