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Joyce Slous is one of The Web's Top Selling Real Estate Experts™
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Joyce Slous, REALTORŽ, real estate agent and broker for Montclair, Glen Ridge and Verona New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Welcome! Here You Can Find Great Information on Montclair, Glen Ridge and Verona, New Jersey Real Estate

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 so much of what is important about the Montclair, Glen Ridge and Verona real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top Realtor. 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 Realtor. 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 Montclair, Glen Ridge and Verona Realtor, I have the experience and track record you are looking for. Please let me help.

- Joyce Slous

School Reports in Montclair, Glen Ridge and Verona, New Jersey

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Schools in Montclair, Glen Ridge and Verona

Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Joyce Slous
Schweppe Burgdorff Realtors Montclair Real Estate
736 Valley Road
Upper Montclair, NJ. 07043
Phone: 973-509-3011
Phone 2: 973-233-2300
Fax: 973-744-7679
Email: JoyceSlous@NUMBER1EXPERT.com

Beginning her 25th year in the business is a strong reason that Joyce is able to assist you with all your real estate needs! High energy, great service, a terrific sense of humor and a wonderful ability as a consultant are a few of the reasons that Joyce has such a loyal following in the area. "JustJoyce" is all you need for a great real estate experience!!

REALTOR SRES

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