Top National Real Estate Websites provided by Paula Clark, proven Hillsdale, Old Tappan, River Vale and Norwood, New Jersey NUMBER1EXPERT(s)™

Specializing In The Following Towns:

AND....
ALL OF
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FINDING THE PERFECT BERGEN COUNTY REAL ESTATE AGENT IS INVALUABLE! CALL PAULA CLARK TODAY! (201) 930-8820 X130 Direct:(201) 930-3070

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Top Real Estate Links: Hillsdale, Old Tappan, River Vale and Norwood, Jersey home buying, real estate listings, and homes for sale in Bergen County, NJ

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Financing Your Home >Your Financial Cushion

When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.

First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.

A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.

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Q	What is considered one of the few remaining tax shelters in the 1990s?
A	Homeownership--property taxes on a residence or vacation home are deductible up to $1 million.
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Coldwell Banker Rapid Response
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Paula Clark, REALTORŽ, real estate agent and broker for Hillsdale, Old Tappan, River Vale and Norwood, Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Paula Clark
Coldwell Banker Residential Brokerage
50 Broadway
Hillsdale, NJ. 07642
Owned & Operated by NRT Inc.
Office:: 201-930-8820 ext. 130
201-930-3070
Mobile: 201-280-0056
Fax: 201-581-0416
Email: Paula@PaulaClarkRealtor.com
RealtorPaula777@aol.com
Paula.Sellmyhouse@gmail.com
I have been a licensed Realtor in Bergen County, New Jersey for 12 years. I have lived in Bergen County, New Jersey for over 24 years. During the mid 1990s I was Fort Lee's Commissioner of Housing for 5 years. Married for 25 years with two children ages 21, and 17. I volunteer for many commitees in my community. Currently, I am Chairperson of Old Tappan's Oak Tree Property Committee as well as the Old Tappan's Environmental Commission. There is a new Park in Old Tappan that we are extremely proud of. A passive park with gazebo walking paths, benches, Water fall, and memorial for remembering our loved ones lost to terrorism. "Oakes Park of Old Tappan" I have represented Buyers and Sellers of Residential Real Estate all over Bergen County. Because of my vast experience all over Bergen County, I bring Buyers and Sellers together for that perfect match from every where. I am a "Relocation Specialist" and a designated "Previews Specialist". I am a full time professional agent, with a great deal of energy, enthusiasm. I take pride in my profession. Assisting my clients so they get to the closing table with ease is my highest priority. I care about my clients, and do everything to make sure each transaction goes as smoothly as possible. I have a unique marketing strategy unlike any other Realtor. I have a great team that assist me in making my profession one that will service ALL of my clients. Coldwell Banker is the Number 1 Company in All of Bergen County. Not only have we consistently held the Top Market share in my area... We are also on the cutting edge in Internet marketing. The Rapid Response system allows us to contact prospective buyers immediately. 80% of Buyers are searching for homes via the Internet. The Paula Clark Team will make your move smooth, and stress free. We are with you from start to finish. I work hard at being "Your Realtor for life"

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