Montclair, Upper Montclair, Bloomfield and West Orange real estate and homes for sale in New Jersey - Julie Salmon, REALTOR® Julie Salmon REALTOR(r) for Montclair, Upper Montclair, Bloomfield and West Orange, New Jersey real estate - NUMBER1EXPERT™ Julie Salmon NUMBER1EXPERT(tm) for Montclair, Upper Montclair, Bloomfield and West Orange, New Jersey real estate
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Julie Salmon, REALTORŪ, real estate agent and broker for Montclair, Upper Montclair, Bloomfield and West Orange New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)



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Julie Salmon (Coldwell Banker RB): Real Estate Agent in Montclair, NJ
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Julie Salmon is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Montclair, Upper Montclair, Bloomfield and West Orange New Jersey home buying, real estate listings, and homes for sale in Essex County, NJ
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Montclair, Upper Montclair, Bloomfield, Cedar Grove, West Orange, Glen Ridge, Nutley, The Caldwells and Verona real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Financing Your Home >Credit Card Mania

Most people know that a checkered credit history can disqualify you for a home loan, and maxed-out credit cards can do the same thing. But what most people don't know is that merely having a large number of credit cards, even with low balances and a history of timely payments, can disqualify you for a home mortgage loan just as quickly.

According to credit experts, having a number of credit cards can be just as detrimental to the granting of further credit as a history of late payments. Lenders look at it this way: If you have ten credit cards, each with a limit of $5,000, that means you have the potential to run up $50,000 in debt virtually any time you choose. That mere possibility makes you a greater risk, from their point of view.

The moral of the story? If you are planning to apply for a home loan in the future, keep only those credit cards you actually need to use and cancel the others.

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Real Estate Trivia
Q 
From 1974 to 1996, what was the world's tallest habitable building?

A 
The Sears Towers, headquarters for Sears, Roebuck & Co., with 110 stories and 1,454 feet high.
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Julie Salmon, REALTORŪ, real estate agent and broker for Montclair, Upper Montclair, Bloomfield and West Orange New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Julie Salmon
Coldwell Banker Residential Brokerage

736 Valley Road
Upper Montclair, NJ. 07043
Office: 973-783-5100 Ext. 135
Direct/Voicemail: 973-233-2040
Cell: 201-341-8334
Fax: 862-345-2606
Email: Julie@MontclairAreaHomes.com

"Your buying and selling partner" My goal is to build successful, long-term relationships with my clients, by providing outstanding service and by working hard to make sure that each transaction is as smooth and stress free as possible. As a proactive, enthusiastic, tech-savvy,hands-on agent, who listens to her clients, you will always be able to reach me by phone, e-mail or text message. Internet marketing is my specialty. As a NAR e-PRO, buyers can expect more information on listings and town information; Sellers can be confident that your home will receive maximal exposure on the internet.

ABR ePro Equal Housing MLS REALTOR


Coldwell Banker Residential Brokerage real estate and homes for sale in Montclair, Upper Montclair, Bloomfield and West Orange New Jersey

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