Cranford, Westfield and Scotch Plains real estate and homes for sale in New Jersey - Ellen Murphy, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
Cranford, Westfield and Scotch Plains real estate listings, home buying, selling and homes for sale in New Jersey
Contact Information
Email Ellen Murphy
Login
Go To Sitemap
Ellen Murphy
I would appreciate the opportunity to introduce myself and discuss your needs. My cell:908-447-8134.

Special Offers
Sign Up For My eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

Testimonials

TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Ellen Murphy is one of The Top Selling Real Estate Experts™
Find Out More >


School Reports
See the nation's top rated reports for Schools in Cranford, Westfield and Scotch Plains >


Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
Name:
Email:
Affiliates
Coming Soon
Find Out More >

Latest News
Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need my eNewsletter.
Name:
Email:
Main Sitemap
Welcome > Main Sitemap ...

  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Ellen Murphy, a proven Cranford, Westfield and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Cranford, Westfield and Scotch Plains Homes - Find Cranford, Westfield and Scotch Plains, New Jersey real estate listings & homes for sale provided by Ellen Murphy, your local expert real estate agent.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Ellen Murphy, a proven Cranford, Westfield and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Ellen Murphy, a proven Cranford, Westfield and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • Cranford, Westfield and Scotch Plains Information - Find local information on Cranford, Westfield and Scotch Plains, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Ellen Murphy, a proven NUMBER1EXPERT™ Top Selling real estate agent.

  • Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Ellen Murphy, a proven Cranford, Westfield and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • About Ellen Murphy - Information about Ellen Murphy including testimonials, guarantees, credentials, and contact information. Learn why Ellen Murphy is a proven Cranford, Westfield and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

 

Please Sign Up For The Latest Listings and the Latest Real Estate News 

*Your Name:
*Your Email Address:
Send Latest Listings: What is this?
Send Latest News: What is this?

Your Message or Comments:
* Please note that fields marked with an asterisk are required.


Email With Confidence
Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >


School Reports in Cranford, Westfield and Scotch Plains, New Jersey
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Cranford, Westfield and Scotch Plains 



Real Estate Tips
Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is the legal term used to describe the right of the U. S. government to condemn private land for public use?

A 
Right of Eminent Domain allows the government to confiscate private land by paying full market value for the property.
See More Real Estate Trivia >


Print This Page Send To A Friend


Ellen Murphy, REALTOR®, real estate agent and broker for Cranford, Westfield and Scotch Plains, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Ellen Murphy
Coldwell Banker Residential Brokerage

209 Central Ave
Westfield, NJ 07090
908-233-5555
Fax: 908-322-3365
cell: 908-447-8134
ellenmurphy@NUMBER1EXPERT.com


www.EllenMurphyRealtor.com is brought to you by Ellen Murphy
NUMBER1EXPERT™ in real estate for Cranford, Westfield and Scotch Plains, New Jersey

Read Ellen Murphy's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.

This Cranford, Westfield and Scotch Plains web site is brought to you by Ellen Murphy, REALTOR®