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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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About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

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Q	What is the mysterious American island whose private owners are intent on preserving the ways of early island life?
A	The Robinson Family, owners of Niihau, Hawaii, have done everything in their power to preserve traditional ways.
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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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