Montclair, West Orange and Glen Ridge real estate and homes for sale in New Jersey, condos, condominiums - Lina Panza, REALTOR® Lina Panza REALTOR(r) for Montclair, West Orange and Glen Ridge, New Jersey real estate, condos, condominiums - NUMBER1EXPERT™ Lina Panza NUMBER1EXPERT(tm) for Montclair, West Orange and Glen Ridge, New Jersey real estate, condos, condominiums
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Lina Panza, REALTOR®, real estate agent and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

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Resources: Montclair, West Orange and Glen Ridge New Jersey home buying, real estate listings, and homes for sale in Essex County County, NJ
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Special Offers: Special offers for West Orange, Maplewood and Glen Ridge homeowners from Lina Panza, top Realtors
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eNewsletter: Lina Panza West Orange, Maplewood and Glen Ridge newsletter email will send you the latest real estate information
My Link Partners: Click Here to see Lina Panza Link Partners page
Today's Real Estate News: Daily real estate news for this neighborhood, New Jersey, and United States
Market Conditions Report: Market conditions report for this area, New Jersey, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Montclair, West Orange and Glen Ridge New Jersey mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in New Jersey or buy your own Montclair, West Orange and Glen Ridge house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate West Orange, Maplewood and Glen Ridge mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New Jersey real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Lina Panza anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Lina Panza realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Lina Panza collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Montclair, West Orange and Glen Ridge property in New Jersey, including legal terms definitions, and more

 

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Real Estate Tips
Investment Real Estate >Retirement and the Second Home

Buying a second home as rental property makes a great centerpiece to your retirement plan. It forces you to make regular savings in the form of mortgage payments that become your equity.

You only need cash for the down payment, and you should make sure that your monthly rental payments will cover the mortgage and any additional expenses. This is a real possibility if you buy the right house at the right price because a good single-family house should always stay rented. Your investment money is subject to less income tax, and the interest and property taxes may be deductible.

Housing has appreciated in value all over the country in recent years, making a second home an important hedge against inflation. Most experts predict that interest rates for fixed-rate and adjustable mortgages should remain in single digits for the foreseeable future, so it should be easy to acquire financing with a small down payment.

Call an agent with your real estate questions. They have helped hundreds of people to sell their homes and properties--and to purchase the home of their dreams.

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Real Estate Trivia
Q 
What is an encumbrance against a property, which may be voluntary or involuntary?

A 
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien.
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Lina Panza, REALTOR®, real estate agents and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Lina Panza
RE/MAX Village Square

516 Valley Road
Upper Montclair, NJ 07043
Lina's Office: 973-809-5277
Lina�s Cell : 973-809-5277
Fax: 973-509-7779
Email: PaulinePanza@comcast.net

ABOUT ME
I have a passion for houses and real estate, as well as credentials that give you an advantage. I have a Bachelors degree in design and architecture from Carnegie Mellon. I also have an MBA in marketing�a big plus if you chose me to sell your house�I have won both RE/MAX sales awards as well as the New Jersey Association of Realtors Circle of Excellence Award for 2008. I grew up in Manhattan, within walking distance of the U.N. My father took me to the Museum of Modern Art every Sunday. Immersed in the culture of New York City, I found it difficult to leave. But like many ex-New Yorkers, I moved to New Jersey because I wanted more space, a good community where I could raise a family and a yard where I could build a garden. I have come to love it here and I�m happy to share my two decades of local knowledge and contacts to help you get settled. My clients have come to rely on me for house, garden and community advice long after the sales transaction is over.

Equal Housing MLS REALTOR


RE/MAX Village Square real estate and homes for sale in Montclair, West Orange and Glen Ridge New Jersey

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