Maplewood, Short Hills and Summit real estate and homes for sale in New Jersey - Victoria Carter, REALTOR® Victoria Carter REALTOR(r) for Maplewood, Short Hills and Summit, New Jersey real estate - NUMBER1EXPERT™ Victoria Carter NUMBER1EXPERT(tm) for Maplewood, Short Hills and Summit, New Jersey real estate
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Victoria Carter, REALTORŪ, real estate agent and broker for Maplewood, Short Hills and Summit New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
Find Out Why Victoria Carter is One of ERA's Top 10 Realtors Worldwide! Call Victoria today at 973-376-6794 or e-mail Victoria-Carter@Burgdorff.com.


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"A gigantic thank you just couldn't be delayed."
Yvonne & PaulMAPLEWOOD, 2007
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Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Real Estate Trivia
Q 
Which city in the U.S. has the longest formal name, but the shortest abbreviated name?

A 
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
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Victoria Carter, REALTORŪ, real estate agent and broker for Maplewood, Short Hills and Summit New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Victoria Carter
Burgdorff Realtors ERA

545 Millburn Ave
Short Hills, NJ. 07078
Direct Line: 973 376-6794
Office Phone: 973 376-5200
Cellular: 973 220-3050
Office Fax: 973 376-7092
Email: victoriacarter@NUMBER1EXPERT.com

When you hire Victoria, you can be confident that the entire process of buying and selling your home will be an efficient one. She has incisive understanding of the local real estate market and is dedicated to 100% client satisfaction. Her real estate career is based upon the founding principles of Burgdorff ERA: integrity, honesty, and unwavering commitment to professionalism.

Equal HousingMLSREALTOR


Burgdorff Realtors ERA real estate and homes for sale in Maplewood, Short Hills and Summit New Jersey

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