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Welcome! Here You Can Find Great Information on Wayne, North Haledon, Hawthorne, Pompton Lakes, Pompton Plains, Kinnelon, Little Falls, Totowa, Haledon and West Paterson, New Jersey Real Estate
"Dear Joe,
I just wanted to take the time to thank you for the way you handled the sale of my house and your assistance in the purchase of a condo.
We were aware there was probably no worse time to sell a home than we did. In this market you helped us get full asking price (a miracle in itself), and when it looked like the deal was falling apart, you kept it together. You displayed a high degree of professionalism throughout the whole process. When we were buying our condo your guidance helped us negotiate a lower purchase price.
Although no one likes to pay a realtor commission, I can honestly say it was money well spent.
Regards,
Phil Rice"
- Ranked #1 in Agent InPassaic County 4 Years In A Row
- Total Sales of $160 Million in 2005 & 2006 & 2007
- Selling Over 450 Homes Since 2005
- Top 1% of Realtors Nationwide
- Platinum Level Award Winner of the NJAR Circle of Excellence in 2001-2008
"Because I know my family is my No. 1 priority, I understand how important your family is to you. That's why it's so rewarding to help my clients make the best decisions for the needs of their loved ones and achieve their real estate goals"
- Joe Simone  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Wayne, North Haledon and Hawthorne real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Wayne, North Haledon and Hawthorne real estate agent, I have the experience and track record you are looking for. Please let me help. - Joe Simone 
Financing Your Home >Owner Financing
If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.
Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.
Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.
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| Q |
What little-known folk remedy is said to help keep bats away from your home?
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| A |
According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats! |
 See More Real Estate Trivia > |
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NUMBER1EXPERT®
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