"Got us $100k over list price in slow market"
"My wife & I believe that there were three things that set Sue apart from other realtors.."
Robert & Dorothy Schoening, Short Hills NJ seller
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Sue Adler is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Short Hills, Millburn, Summit and Maplewood New Jersey home buying, real estate listings, and homes for sale in Essex, Union And Morris County, NJ

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Make Sure You Choose Top expert who will educate you so that you know your options, & guide you so that you can make smart decisions.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Short Hills,Millburn, Summit, Chatham, and Maplewood/South Orange real estate expert, it's our 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.

- 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 us a bit about your situation below. We'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 us your concerns. Ask us questions. There's no obligation, and I promise to get back to you quickly...

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Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	What trendy and highly unusual hotel must be totally rebuilt every year?
A	Sweden's popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter.
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FEATURED PROPERTY

Spacious 3 BR Brick Colonial w/ Pool
No More Showings! 3 BR, 2.2 Bth brick colonial; Dining Room, Great Room & Family Room with large picture windows overlooking heated inground pool....
Location: Short Hills
Price: $679,000 Sold!
VIEW THIS PROPERTY
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Sue Adler - Broker Agent Magazine article

Read Broker Agent Magazine’s Cover Story On Sue

#1 KW Agent NJ & NY Region - #5 KW Agent Internationally

Sue Adler, REALTORŽ, real estate agent and broker for Short Hills, Millburn, Summit and Maplewood New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Sue Adler Team
Keller Williams Realty
of Essex, Union, & Morris Counties
488 Springfield Ave
Summit, NJ 07901
Cellular: (973)464-9129 (call 1st)
Office: (973)376-0033 ext 101
Sue's Personal E Fax: 480-247-4891
Dawn-Transaction/Office Manager: (201)600-0257
Sue Adler: VIP@SueAdler.com
Dawn Preziosi: Dawn@SueAdler.com
Deirdre Silberman: Deirdre@SueAdler.com
Facebook: www.Facebook.com/sueadler
Linkedin: www.linkedin.com/in/sueadler

Meet Sue....

Sue not only grew up in the real estate business, but has sold over 1,000 homes.
In the challenging 2009 market, Sue sold more homes than any other full service agent in our midtown direct geographic area. She is the #1 Keller Williams Agent in New Jersey for dollar volume sold for 2005 through 2009, and attributes a large part of this to the success she's had with Relocation Buyers.

Sue placed in Keller Williams International (approx 75,000) for 2007. She is a "Certified Luxury Home Marketing Specialist" & a member of "Who's Who in Luxury Real Estate", which she earned for her performance in the high end market.

Sue's working knowledge & understanding of every aspect of the real estate transaction surpasses most, & her creative knack for internet lead generation and social media keeps her team's listings in the limelight,Â which means the GREATEST EXPOSURE for your home.

Sue and her team promise to be your best advocates throughout the entire buying and selling process, with the goal of earning YOUR future referrals. Need references? We've got HUNDREDS! Check out the "Client Testimonials" on this site, and call or email Sue for your confidential interview.

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NUMBER1EXPERT™ for Short Hills real estate NJ, Millburn real estate, Summit real estate and Maplewood real estate, New Jersey, Essex, Union And Morris County, home sale statistics
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