Montclair, Upper Montclair, Bloomfield and West Orange real estate and homes for sale in New Jersey - Julie Salmon, REALTOR®

Julie Salmon, REALTORŽ, real estate agent and broker for Montclair, Upper Montclair, Bloomfield and West Orange New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Allow me to put my experience and knowledge of Essex County real estate to work for you for all your real estate needs. Call me: 973-233-2040.

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Local Maps and Links: Montclair, Upper Montclair, Bloomfield and West Orange New Jersey home buying, real estate listings, and homes for sale in Essex County, NJ

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•	Montclair
•	Bloomfield
•	Cedar Grove
•	West Orange
•	Glen Ridge
•	Verona
•	Caldwell
•	North Caldwell
•	West Caldwell
•	Essex County
•	New Jersey

•	North Essex Chamber of Commerce (includes Caldwell, Cedar Grove, Essex Fells, Fairfield, Montclair, North Caldwell, Roseland, Verona & West Caldwell)
•	Suburban Essex Chamber of Commerce (includes Belleville, Bloomfield & Glen Ridge)
•	West Orange Chamber of Commerce
•	Montclair Business & Community Directory
•	Montclair Economic Development Corporation
•	Montclair Business Improvement District
•	Bloomfield Center Alliance, Inc.
•	NJ Town Tax Information

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•	New Jersey Transit
•	DeCamp Bus Line
•	Community Coach Bus Lines
•	Newark International Airport
•	Teterboro Airport
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•	The Mountainside Hospital
•	Clara Maas Medical Center
•	Saint Barnabas Medical Center
•	The University Hospital (UNDNJ)
•	Newark Beth Israel Medical Center
•	Kessler Institute for Rehabilitation
•	St. Josephs Healthcare System, Inc.

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•	Cedar Grove Public Schools
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•	Private Schools
•	The Montclair Kimberly Academy
•	Lacordaire Academy
•	Montclair Cooperative School
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•	Bloomfield College
•	Caldwell College
•	Montclair State University
•	Essex County College
•	UMDNJ
•	William Patterson University
•	The Adult School

•	New York Times
•	The Star Ledger
•	The Montclair Times
•	The Verona-Cedar Grove Times
•	Village Radio
•	Glen Ridge Comcast Channel 36
•	Montclair Comast Channel 34
•	Weather
•	Wunderground.com
•	Yahoo Weather

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About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

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Q	What three things are necessary in order to purchase a home?
A	Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
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Julie Salmon
Coldwell Banker Residential Brokerage
242 Bellevue Avenue
Upper Montclair, NJ. 07043
Office: 973-783-5100 Ext. 135
Direct/Voicemail: 973-233-2040
Cell: 201-341-8334
Fax: 973-746-6251
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, hands-on agent, who listens to her clients, you will always be able to reach me by telephone or e-mail. 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.

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NUMBER1EXPERT™ in real estate for Montclair, Upper Montclair, Bloomfield and West Orange, New Jersey

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