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Hello and thank you for visiting! It is my goal as your full service real estate company specializing in the sought after areas of both Essex and Union counties, NJ to provide you with superior service at all times. My local expertise and extensive real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources I offer. It would be my pleasure to help find what truly moves you! All of the towns on the Mid-town Direct train line have something unique to offer. Millburn has the state's highest ranked public highschool, Millburn High, South Orange has a brand new performing arts center, SOPAC, with the latest musicians and shows. Maplewood's downtown, with it's historic train station, is right out of a Hollywood set and Montclair is the height of urban chic with its great restaurants, movie theaters and new Wellmont theatre where acts common to NYC play in the 'burbs. All of the towns have great schools with loads to offer, and each have great walkable downtowns with wonderful stores, performance spaces and movie theatres. The Midtown Direct train makes commuting easy, with the closest towns a 26 minute commute into New York Penn Station. I will be happy to help you discover how each of the towns is different and what it has to offer. These towns are also blessed with unique and beautiful housing, much of it built prior to 1930. From victorians to tudors to colonials, you can find the home of your dreams. Call me to help you find what you are looking for.  Welcome! Here You Can Find Great Information on all of the towns on the Midtown Direct train line, including South Orange, West Orange, Maplewood, Millburn, Summit and Montclair, as well as information on all of Essex and Union Counties |
First Time Buyers >The Down Payment
Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.
If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.
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Nancy Gould
Keller Williams Midtown Direct
181 Maplewood Ave
Maplewood, NJ 07040
Office Phone: 973-699-4505
Fax: 973-762-5401
NancyGould@NUMBER1EXPERT.com
msgould@aol.com
Nancy is one of the top agents in Essex County. For five of the past eight year's she was a Million Dollar sales award recipient from the NCJAR. She is consistently one of the top agents in the KW Maplewood office and in the region.
With a background in architecture/planning, Nancy was previously a partner in a large NYC architectural firm. She brings corporate expertise in marketing and negotiations to her real estate business. Nancy also has an understanding of building and design which also is valuable to her clients.  
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