Real Estate Offers for Chatham, Madison and Basking Ridge, New Jersey Provided by Sharon Vopal

All agents are NOT alike! Find out why I'm a top real estate agent. Call me and I will gladly provide you with references, 973-865-6416.

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Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
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"Sharon took the stress out of buying a home."
"Once we found our perfect home, Sharon was a wonderful advocate and friend through the entire home purchasing process."
The Stern Family, Madison, NJ
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Buyers Want Your Home for as Little as Possible.

Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.

Let me do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold.

As a top real estate agent, I determine the value of homes daily. Using the information you provide below, I can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market.

Remember, market conditions can be different, even one neighborhood to the next. I know how to take all these factors into account when determining the true market value of your home.

This service is completely free and without obligation. There are absolutely no strings attached. Why? I want the chance to show you my expertise as a top real estate agent.

Please provide me with some basic information on your home. I'll get back to you quickly...

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School Reports in Chatham, Madison and Basking Ridge, New Jersey

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Schools in Chatham, Madison and Basking Ridge

Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	Which metropolitan area in America currently offers the most affordable market in which to buy new homes?
A	The housing market in Youngstown, Warren and Boardman, Ohio is currently the most affordable metro area in the U.S.
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Sharon Vopal, REALTOR®, real estate agent and broker for Chatham, Madison and Basking Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Sharon Vopal
Keller Williams Realty Premier Properties
488 Springfield Avenue
Summit, NJ 07901
Cell: 973-865-6416
Email: SharonVopal@kw.com
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