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Gail Middleton and Catherine Allebé are some of The Top Selling Real Estate Experts™
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From Our Affiliates: Maplewood, Millburn and Summit New Jersey home buying, real estate listings, and homes for sale in Essex County and Morris County County, NJ

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Financing Your Home >Your Mortgage

Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.

More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!

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Q	Which U.S. hotel has more fountains than any other hotel in the world?
A	The Bellagio Hotel in Las Vegas, Nevada has more than 1,000 fountains embellishing an 11+ acre artificial lake.
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Gail Middleton and Catherine Allebé, REALTOR®, real estate agents and broker for Maplewood, Millburn and Summit New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Gail Middleton and Catherine Allebé
Keller Williams
488 Springfield Ave
Summit NJ 07901
973-376-0033 ext 336
973-723-3445
Fax: 973-810-0206
Email: gailmiddleton@NUMBER1EXPERT.com
Gail is a life long resident of the Maplewood, Short Hills, Milburn and Summit area and is celebrating her 32nd year as a top local Realtor. Her extraordinary negotiating skills and knowledge of the current market and it’s trends have allowed her clients, whether buying or selling, to achieve their goals in a well-informed, stress-free manner. Gail believes in ongoing education in her profession, with particular interest in technology and environmental issues. Her marketing strategy is like no other and results in the highest price and quickest sale within the scope of Sellers’ needs. Gail is a member of the Coldwell Banker Realtors Elite President’s Council and has earned the prestigious CRB (Certified Real Estate Broker) and GRI (Graduate of Realtor Institute) designations; is a Relocation Specialist, certified Condo Specialist, as well as a Historic Properties and Luxury Homes Specialist. Middleton holds numerous high-performance awards resulting from her policy of treating each and every client with integrity, professionalism and, most importantly, caring. You will always be # 1 when working with her.

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NUMBER1EXPERTS™ in real estate for Maplewood, Short Hills, Millburn and Summit, New Jersey, condos, luxury homes

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