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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 
Accepting An Offer >Negotiating Factors
Negotiations for the sale of a home can be affected by emotional factors. For example, it is easy to be offended by someone who is making an offer on your property. Even if the buyers love your house, they are trying to negotiate the best possible price and terms. They probably will not let you know how much they want your home until they have negotiated a purchase agreement.
Buyers almost never write offers that please the sellers entirely. Offers and counter offers may be traded back and forth over days or weeks. Terms of the sale will be discussed and deadlines will be set. When there is finally a meeting of the minds, both sides may feel relieved but exhausted by the process. One of a real estate agent's most important jobs is to act as the intermediary during such negotiations. With your agents knowledge of financing, negotiation procedures, and the tax laws affecting real estate sales, agents come up with creative solutions to the challenges that may arise.
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| Q |
What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
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| A |
Conventional mortgages are private sector transactions that are not insured or guaranteed by the government. |
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