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Welcome > For Buyers > Find Your Perfect Home ...

Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation.

As a top West Milford, Oak Ridge and Vernon real estate agent, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market.

I have direct access to the West Milford, Oak Ridge and Vernon area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings.

If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time!

This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers.

Tell me what you are looking for! It's my job to know every property in West Milford, Oak Ridge and Vernon, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible...

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Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	Legend has it that when Brigham Young first saw this city in 1847, he exclaimed: "This is the place!"
A	Salt Lake City, Utah.
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Mark Werner, REALTOR®, real estate agent and broker for West Milford, Oak Ridge and Vernon New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Mark Werner
Werner Realty
1465 Union Valley Rd.
West Milford, 07480
Phone: 973-657-9222
Direct Line: 973-657-1400
Email: MarkWerner@NUMBER1EXPERT.com
Email: markwerner@topproducer.com
North Jersey's Top Real Estate Team.

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