Montclair, West Orange and Glen Ridge New Jersey real estate listings, home buying, selling and relocation information

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"I switched over to the Panza/Kolko team"
"After a long search with another realtor turned up no prospects, I switched over to the Panza/Kolko real estate team and had banner results."
Lorren Magnus, Little Falls, NJ
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Martha Kolko and Lina Panza are some of The Top Selling Real Estate Experts™
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First Time Buyers >Finding A Loan

There are two important steps preliminary to becoming a homeowner. First you must find the right home and negotiate the price and terms with the sellers. Then you come to one of the most difficult parts of the transaction--finding the perfect loan.

You should do some comparison shopping among lenders. Your real estate agent can refer you to several reputable lending institutions which should be able to complete the loan process before your proposed financial approval date. The loan officer will take your application and have you sign all the necessary papers to authorize credit and employment verifications. You and the real estate agent should get periodic progress reports to make sure that all of the details are taken care of. Such reports will help to ensure that any potential problems are discovered and addressed before they can hinder the transaction.

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Q	Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
A	The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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Martha Kolko and Lina Panza, REALTORŽ, real estate agents and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Martha Kolko and Lina Panza
RE/MAX Village Square
516 Valley Road
Upper Montclair, NJ 07043
Martha's Office: 973-509-2222 x143
Lina's Office: 973-509-2222 x144
Marthas Cell: 201-247-9934
Linas Cell : 973-809-5277
Fax: 973-509-7779
Email: marthaandpauline@NUMBER1EXPERT.com
Why settle for one real estate agent when you can have two? Real estate teams are popular on the West Coast. But here in the Montclair area they are relatively rare. The few that exist usually offer one agent as the rainmaker with salaried assistants doing the legwork and paperwork. With Martha Kolko and Pauline Lina Panza at RE/MAX Village Square you get two full-time agents working at your side. Martha and Lina have formed a partnership that offers a wide range of business skills, salesmanship and creativity to ensure that home sellers get top dollar. With 22 years of combined residency, intimate knowledge of local schools and community resources, buyers benefit from Martha and Linas deep knowledge of the Montclair area. Martha and Lina always help buyers find the right home at the right price. Martha Kolko brings superb communication skills from her background in education and her Masters degree in guidance counseling. She is also a professionally trained photographer. Lina Panza has degrees in design and architecture as well as an MBA. She has spent a decade managing an assisted living facility and has a special understanding of the needs of todays senior citizens. In this competitive market a team approach gives buyers and sellers the advantage they need. Solo agents can leave a buyer or seller without much-needed representation when an agent is on vacation or has a family emergency. Martha and Lina deliver: ˇ Round-the-clock coverage and 24/7 availability by phone and email ˇ A realistic and honest assessment of your real estate needs and opportunities ˇ Expert marketing of your home ˇ Interior design and gardening skills with home staging resources to get your home looking its best ˇ Coordination of home repairs from our contractor network ˇ Professional photographs of your home that exceed the usual quality To get twice the power and two times the results call, Martha and Lina at at RE/MAX Village Square.

www.bestessexhomes.com is brought to you by Martha Kolko and Lina Panza
NUMBER1EXPERTS™ in real estate for Montclair, West Orange and Glen Ridge, New Jersey, condos, condominiums

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