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I would appreciate the opportunity to introduce myself and discuss your needs. My cell:908-447-8134.
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Welcome! Please let me assist your real estate search in the Cranford, Westfield and Scotch Plains area with information specific to each town  Each and every day, I am working with my clients,dedicated to meeting their needs. For some, it is finding their first home; for others, it is listing their home and positioning it in order to get the highest sales price. Each and every client has his/her own story, just as each property has its own particulars. I have the opportunity to look at dozens of properties weekly. I am regularly preparing listing proposals which give clients details on comparable propeties and recent sales prices. I work in an office where we have the largest market share in the area,matching more buyers and sellers than any other realtor. I am constantly involved in this market and with my customers. MY CLIENTS ARE MY NUMBER ONE PRIORITY. I OFFER EXPERT ADVICE
I am a lifelong resident of Union County, having lived in Cranford, Scotch Plains and Westfield as well as having owned several homes in the area. I have raised my family here gaining the insight which comes from my involvement in the community. From the pace and flavor of each town to the specifics of schools, shopping and industry, I can offer you expertise and be a resource as you buy a home and settle into your new surroundings. YOU CAN TRUST ME
My years in real estate have developed my ability to assist you in all areas of buying your home. I know what you will need from negotiating the best price and terms to the attention to detail real estate transactions need. I know you have a need for market information and communication as you look to buy your home. My priority is to WORK FOR YOU with integrity and sensitivity to your needs. I HAVE A PROVEN TRACK RECORD
I have a strong record of performance and I have been consistently ranked among the top producers in my office in terms of volume of closed transactions and dollar value of the properties. My Coldwell Banker affiliation entitles you to market information and internet based technology which is a market leader and gives you comprehensive current information. PLEASE EMAIL OR CALL ME-I CAN START ASSISTING YOU TODAY! MY CLIENTS ARE MY NUMBER ONE PRIORITY Ellen Murphy
908 447 8134 
Financing Your Home >Watch Your ARMs Length Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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What document must lenders provide within three days of receiving your application for financing?
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| A |
The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan. |
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Ellen Murphy
Coldwell Banker Residential Brokerage
209 Central Ave
Westfield, NJ 07090
908-233-5555
Fax: 862 345 2882
cell: 908-447-8134
ellenmurphy811@comcast.net
I am a leading agent with the Westfield NJ Coldwell Banker office. I have many years of experience in Union County real estate and am skilled in the negotiating of sales and listings. I have market knowledge and personal experience as I have lived in the markets I serve. PLEASE CALL ME TODAY!
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