All agents are NOT alike! Find out why I am top real estate expert. Call me: (973)509-2222.

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.
Find Out More >
View All Offers >

"Martha and Lina sold our house in 10 days..."
"Martha and Lina sold our house in 10 days for $20,000 above asking.
F. Drucker, Bloomfield
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Lina Panza is one of The Top Selling Real Estate Experts™
Find Out More >

Top Real Estate Links: Montclair, West Orange and Glen Ridge New Jersey home buying, real estate listings, and homes for sale in Essex County County, NJ

Welcome > Resources > Top Real Estate Links ...

Useful Real Estate Web Sites

Here's a short list of some of the more useful real estate and real estate related sites on the web. When you click on any of the links below, you'll see the site you chose, along with a form at the bottom of your screen. Use it to get answers for any questions you might have about anything you find.

Remember: It's my job to know more about real estate than any web site!

Please Sign Up For The Latest Listings and the Latest Real Estate News

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What famous American monument is also the world's heaviest statue?
A	The Statue of Liberty, officially named "Liberty Lighting the World", weighs 54.31 million pounds.
See More Real Estate Trivia >

Click to speak with
Pauline Panza

My system will call both your phone and ours
at the same time.
This will open a new window. Please disable any Popup Blocking software.

See the nation's top rated reports for Schools in Montclair, West Orange and Glen Ridge >

Coming Soon
Find Out More >

Lina Panza, REALTORŽ, real estate agent 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
Linaďż˝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 marketingďż˝a big plus if you chose me to sell your houseďż˝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 Iďż˝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.

www.bestessexhomes.com is brought to you by Lina Panza
NUMBER1EXPERT™ in real estate for Montclair, West Orange and Glen Ridge, New Jersey, condos, condominiums
Read my Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge