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					  NOVEMBER       9, 2007                                                                                                    RECORD-PUSS                                                                                                                                                                                                                                     C-5

                                                                 Real Estate
 Thinking about refinancing your                                                                                                               £ ^            Award-winning •

 loan? GMAC offers the following tips
     (ARA) — If you are
  among the millions of home-
  owners with an adjustable-
                                   you to obtain more favor-
                                   able      financing
                                   Paying bills on time and
                                                                       Service   ments by rolling your clos-
                                                                                 ing costs into the new loan.
                                                                                 Rolling-in your costs is par-
                                                                                                                                                                                                                                   KHA Statewide H«*alty ha* 1M>**II recognised H* th«* l^-utlfr"» (^irrlt*
                                                                                                                                                                                                                                   Awur4l winurr for thr \m#t 12 yt*tir*. I'ul our fulfill ami market
                                                                                                                                                                                                                                        |>frifi)t-«> to                   f«»r you! Cull u* I<H)U> ft»r timre infurmuliun.

  rate mortgage (ARM), you
  may be facing increasing
                                   keeping credit card debt low
                                   are key ways to maintain
                                                                                 ticularly appropriate if you
                                                                                 will sell your home or refi-
                                                                                                                                                                                                                                                                     JUST LISTED!
  interest rates as your loan
  adjusts and thus thinking
                                   good credit. Check your
                                   credit report every year to
                                                                                 nance again in a few years
                                                                                 because having a higher
                                                                                                                                                                                                                                                                     WHAT A DEAL!
  about refinancing.               ensure there are no nega-
                                   tive marks on your credit
                                                                                 loan balance will likely                                                                                                                                                            For this Sunnyside
     Homeowners refinance                                                        matter less than being able
  for a variety of reasons         history, such as missed cred-                 to enjoy the immediate ben-                                                                                                                                                         Expanded Cape featuring
  including taking cash out of     it card payments or large
                                   account balances.
                                                                                 efit of lower monthly pay-
                                                                                                                                                                                                                                                                     3 bedrooms, 2 new full
  their home's equity to make
 home improvements, consol-           Determine        refinancing                  Every homeowner has a                                                                                                                                                            baths, gorgeous kitchen
 idating debt, and to obtain a
  more favorable interest
                                   costs. Consult a loan officer
                                   to figure out 'what fees are
                                                                                 different scenario for deter-                                                                                                                                                       with granite counters,
                                                                                 mining if refinancing is a
 rate. Many Americans are          involved with refinancing.                    good option, said Ferriter.                                                                                                                                                         refinished hardwood
 also now refinancing to
 move from an adjustable
                                   You may have to pay an
                                   application fee as well as
                                                                                 Here's the bottom line: It
                                                                                 might make sense to refi-
                                                                                                                                                                                                                                                                     floors and much more!!
 rate to a predictable, fixed-     closing costs. You also may                   nance if you have the oppor-                                                                                                                                                        MOVE RIGHT IN!!
 rate mortgage to avoid            choose to pay discount                        tunity to save money by
 future interest rate adjust-      points to buy down the                        lowering the cost of your
 ments.                            interest rate. By knowing                     monthly payment — or the
     There are many factors
 to consider when refinanc-
 ing your mortgage depend-
                                   the upfront costB for refi-
                                   nancing, you can determine
                                   exactly how much time it
                                                                                 opportunity to seek the
                                                                                 comfort of knowing your
                                                                                 mortgage payment will
                                                                                                                                                                                ERA STATEWIDE REALTY
                                                                                                                                                            FOUR CONVENIENT LOCATIONS TO SERVE YOUR REAL ESTATE NEEDS
 ing on your particular situa-     will take to recover the                      remain fixed.                                                                                                                                                                                                              Might si Overall Saiisfrk'tinn for Hrsi Time
 tion," said Jim Ferriter,         expense.                                         For more information on                                                      Cranford                            Hillsborough                                  Delran                       Flemington
                                                                                                                                                                                                                                                                                                           Home Buyers Among National I nil Service
                                                                                                                                                                                                                                                                                                           Real Hsiate Firms."
 executive vice president for         Roll-in refinancing. You                   refinancing options, call                                                    777WaInulAve.           284 US Hwy 206 South. Suite B                         9006 Roule 130                  110 Main Siree!
 GMAC Mortgage. "If you            can avoid paying fees                         (800) 888-GMAC (4622).
 have been living in your          upfront and immediately                          This article is published                          ERA                     W70M40Q                              868-407-8288                             856-024-0050                    908-7M-M84
                                                                                                                                                                                                                                                                                                           Huu'f ; Sol!i"i S.t!i-LuEii<M Sind* "*•' Suiily K i v d i - n

 home for several years or if      enjoy lower monthly pay-                      courtesy of ARA Content,                                                     VISIT US ONLINE AT: WWW.ERASTATEWIDE.COM
                                                                                                                                                                                                                                                                                                           SinJ> ioruk                                                      J |)
 you're facing a rate reset on
 an adjustable-rate mort-
 gage, you may find that refi-
 nancing pays for itself from
 the resulting lower monthly                                                                                                                                 ix*                        MORTGAGE GUIDE
 payment or from feeling the                                                                                                                                  PURCHASING A NEW HOME? CALL THESE LENDERS TODAY!
 comfort of having a fixed                                                                                                              Program                                                          Rat*                                                                                                              Down                                     APR
                                                                                                                                                                                                                                             Points                                F M I
 monthly payment."
     GMAC Mortgage offers                                                                                                               LOAM MMT                                                                                                                                                                      BOO-ei 6-8374
the following tips to help
homeowners            consider                                                                                                                                                                                                                                                                          http:/Anm. toannetdinct. com
whether refinancing is an                                                                                                              30 yr fixed                                                    6.000        0.000                                                         $700                          20%         6.040
 appropriate option:                                                                                                                   15 yr fixed                                                    5.750        0.000                                                         $700
    Know the terms of your                                                                                                                                                                                                                                                                                     20%        5.816
current      mortgage.    How                                                                                                          30 yr jumbo                                                    Call for Rates
often will your mortgage                                                                                                               5/1 ARM                                             20%        6.000
                                                                                                                                                                                                    6.487          0.000                                                         $700
adjust? How much will it
adjust? These are both                                                                                                                 FREE EVALUATION NO APPLICATION OR CREDIT FEES REVERSE MORTGAGES
important factors to consid-                                                                                                           (A) SO Mt. Bethel Read, Warren, NJ 07059                                                                                                                                                                           L029160
er when determining if refi-
nancing is a viable option.                                                                                                            AMMMICAM                     EWrMPfWM                               BANK OF FL                                                                                                377-247-71O7
Contact your lender now so
                                                                                                                                                                                                                                                                                                                             http://www. aebfl. com
 that you are fully aware of
the terms of your ARM loan                                                                                                             30      yr fixed                                              6.000                                 0.000                                $399                                      20%                                 6.023
 to avoid any surprises when                                                                                                           15      yr fixed
 your mortgage adjusts.                                                                                                                                                                              5.625                                 0.000                                $399                                      20%                                 5.662
     Think about how long                                                                                                              30      yr jumbo                                              6.625                                 0.000                                $399                                      20%                                 6.634
you will live in your home. A                                                                                                          30      yr FHA                                                6.375                                 0.000                                $399                                       5%
 big factor in deciding to refi-                                                                                                                                                                                                                                                                                                                              6.400
 nance is calculating how                                                                                                              5 STAR National Lender rated by Consumers. FDIC Insured Bank
long you will continue to              8 Riverside Drive, Unit BJ, Cranford                                                            (C) 4655 Salisbury Road, Suite 100, Jactoonvlll; FL 32250
live in your house. The              Open Sunday, November 11th 1:00—4:00PM
longer you live in your                                                                                                                                                    Fixed rate                                                                                                     Adjustable rate
home, the more money you           Surprises wait at every turn in this sun-dappled
                                                                                                                                                                                tr mortgag* trend
can potentially save in            end unit, condo. Archways, refinished hardwood                                                                                                                                                                                        1 -y*ar adjustable mortgas* trend
interest costs from refinanc-
ing. GMAC Mortgage has             floors, oversized deep-set boxed windows and                                                                                                                                                                      «.3O
several tools on its Web site,     unique touches craft an idyllic ambiance that per-'                                                                                                                                                               BSD         vades the spacious interior. Highlights include an                                                                                                                                                      
m, including a break-even
calculator that will tell you      updated kitchen with breakfast nook, updated                                                                                                                                                                      6 OO

how many years you will            bath, off-street parking and it's proximity to town                                                                                                                                                               5 BO
need to live in your home to       & train. The maintenance fee includes heat &. wa-                                                                                                                                                                                             V *%^ X .
recoup the cost of refinanc-
ing.                               ter. Presented for $289,900. Dir: Springfield Ave.                                                  LENDERS, TO PARTICIPATE IN THIS FEATURE CALL BANKRATE.COM 0 800-509-4636
    Maintain a good credit         to Riverside Dr.                                                                                                      ? wtoflltt/MT,   * >24X17 EJiinkntte. I i w . b l l p V A t u u   hunk-rule o « m . I . K C K M ) : iA I M i n i j i ^ c E L I I I U T .   i HI M o r t ^ t - l l n i k f r .      r ( ' ) B;inV. ) I > ) S « V L . ( C l
score. A good credit score is
                                                                                                                                            l I [li.ui    "Cult lu                                                             t pr                                                                                                      **>. luMllHI 111   (,1
one factor that could enable                                                                                                                                              JVi
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                                   Westfield Office • 600 North Avenue, West • 908-233-0065                                            iflhi: ahtue rules tiuiMi lutes un oficr, Pliraw: timt;it( individual lending insl tuition- tor ik-uils Si
                                                                                                                                      ID ,ip}H'.ir in ihi>. table T " yppewr In t     tabJf, call WH>-5<tV-4<>M. To report unv i
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                                                                                                                                                                                                                                                                          all KHK-5IK>-463(k.

                                                                             COLDWELL BANKER

Massa is
top agent
    WESTFIELD — Susan
 Massa, a top achiever in the
Westfield office of Burgdorff
 ERA, has been honored as
 Listing Agent of the Month
 for September.
    George Kraus, vice presi-      WESTFIELD                                 $649,500                                    SCOTCH PLAINS                               $599,900                                                      WESTFIELD                                   $599,900
 dent    and manager          of   435 Sanford Ave. Owner wants offers on this large 9                                   Beautifully appointed Tudor. 9 rooms, 4 bedrooms,                                                         Lots of updates. Move right in. Updated kitchen, win-
Burgdorff ERA's Westfield          room home. 2 family rooms, fireplace, new roof. Dir:                                  2.1 balhs, 2 fireplaces, 2 screened porches. Over an                                                      dows, boiler, newer haths, hardwood floors, 4 bed-
office, said, "This achieve-       Ticc PI Sanford Ave. WSF0740                                                          acre o f properly. WSF0020                                                                                rooms, 2 baths and more. WSFO8O5
ment demonstrates Susan's
high level of expertise and
vision in providing an unpar-
alleled marketing campaign
and strategy."
    Massa can be contacted on
her direct line at (908) 233-
6679 or via email at Susan-
    The     Burgdorff      ERA
Westfield office is located at
600 North Ave. West. For real
estate assistance, or to              EDISON                                $639,900                                     WESTFIELD                                   $599,000                                                     CRANFORD                                  $599,000
inquire about a career in real        4 bedroom, 2.1 bath Colonial on quiet cul-de-                                      Charming 4 bedroom, 1.1 bath Colonial on huge lot.                                                       Completely redone. Everything is brand new. Great
estate, call the office at (908)                                                                                         Formal dining room with fireplace, family room. deck.                                                    master bedroom suite, gourmet kitchen flows to fami-
233-0065. Or, visit them on           sac. Formal dining room, eat-in kitchen, family
                                      room, finished basement, deck. WSF0856                                             Call for details. WSF0710                                                                                ly room with great deck. WSF07KN
the            Web            at, where                                                                                                                                                                                                                                     WESTFIELD 908-2 33-5555
you can learn more about the                                                                                         
                                          Coldwell Banker Home Loans                                                                                                                                                                                            209 Central Avenue
Westfield office and the local
market area, view individual                    1-888-317-5416
Web pages for each Bales                               mahc honxc loans easy.                                                              BANK6R •                                                                                                           Westfield                                United
associate, and see electronic
listings and directions to the                                                                                                           RESIDENTIAL BROKERAGE
                                                                                                                                                                                                     LB                                                       United Way                                 Way
Burgdorff ERA office.                            O Z"O07 ColtJwoll Banltpr   l flslnie* CurporationdP is a regisreted trademark li                                                           ' O[>portunrrv Ctimp.inv

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