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Resources: Hillsdale, Old Tappan and River Vale New Jersey home buying, real estate listings, and homes for sale in Bergen County, NJ

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About Appraisals >Refinancing Your Home

Interest rates fluctuate as changes occur in the general economy. If you purchased your home when interest rates were higher, you may want to consider re-financing your loan at a lower rate.

You will have to apply for the new mortgage and have your current income eligibility assessed. Depending on how long you have had your present loan, a current appraisal may be required. There are closing costs, such as attorney, title fees, recording and notary fees, and appraisal charges. The biggest factor in your decision should be the length of time you plan to remain in your home. If you will be there for only a year or two more, it might not pay to re-finance. If you will be in your home longer, re-financing could provide you with lower mortgage payments. Your real estate agent can help you work out the numbers and can refer you to reputable home appraisers and mortgage lenders.

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Q	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Paula Clark, REALTORŽ, real estate agent and broker for Hillsdale, Old Tappan and River Vale New 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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