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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 Bloomfield 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, Bloomfield 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 >Convertible ARMs

Many lenders are offering a type of Adjustable Rate Mortgage which will allow the buyers to convert their ARM to a fixed-rate mortgage without the expense of refinancing. There are several variations of this type of loan, so you should be informed about the various options before you decide on a loan.

Each lender places restrictions on when the ARM can be converted to a fixed-rate loan. Some allow a conversion after the first year of the mortgage, while others allow a change only on the rate adjustment dates. There is usually a fee for converting the mortgage, but it is much less than the cost of refinancing. The rate that you will pay after the conversion may be slightly higher than the going rate for fixed-rate mortgages. A real estate agent can provide you with a list of lenders who offer convertible ARMs, so that you can shop for the one that is best for you.

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Q	What is the only land in the world that has not been walked on by human feet?
A	A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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Joyce Slous
Keller Williams Towne Square Realty
24 Claremont Road
Bernardsville, NJ 07960
Direct: 973-820-1734
Fax : 973-710-4656
Email: JoyceSlous@NUMBER1EXPERT.com

Beginning her 27th year in the business is a strong reason that Joyce is able to assist you with all your real estate needs! My new affiliation with Keller Williams will provide buyers and sellers with the highest levels of professionality, education and of course, the most necessary part of marketing in the 21st century, mass technoloy. As a quintessential student of Real estate, I bring you high energy, great service, a terrific sense of humor, and a track record in this business that is comparable to very few. Whether you are selling or buying your mansion or your condo, my profound insights as to knowledge of your market gives the ability not only in listing and selling, but as your Real Estate consultant as to any change or move you are about to make in your life. Loyalty from many past and present customers attest to my continued success. And now, affiliating with the Keller Williams, the best of the best just adds one more reason to the list as to why to make me your 'realtor for life'

REALTOR SRES Equal Housing MLS

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