Marlboro, Manalapan and Freehold real estate and homes for sale in New Jersey, luxury homes, executive properties - Charlotte Ruden, REALTOR® Charlotte Ruden REALTOR(r) for Marlboro, Manalapan and Freehold, New Jersey real estate, luxury homes, executive properties - NUMBER1EXPERT™ Charlotte Ruden NUMBER1EXPERT(tm) for Marlboro, Manalapan and Freehold, New Jersey real estate, luxury homes, executive properties

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Charlotte Ruden, REALTOR®, real estate agent and broker for Marlboro, Manalapan and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 732-972-9881.


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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You! 

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. 

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. 

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As a top Marlboro, Manalapan and Freehold area REALTOR®, it's my job to know more about a property than any web site. Make sure you have the most current information! 



Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Real Estate Trivia
Q 
What is a Balloon Mortgage?

A 
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Charlotte Ruden, REALTOR®, real estate agent and broker for Marlboro, Manalapan and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Charlotte Ruden
RE/MAX Central

The Home Fashion Center--520 Route 9 North
Manalapan, NJ. 07726
Direct Line: 732-972-9881
732-972-1000 ext. 328
Home Office: 732-536-8011
Cell Phone: 732 267 3108
Home Office Fax: 732-536-8611
Email: charlotteruden@NUMBER1EXPERT.com

A native of Monmouth County, NJ, Charlotte is an outstanding Broker/Realtor Associate at RE/MAX Central, specializing in the Luxury Home Market in Colts Neck, Holmdel, Marlboro, Manalapan, Freehold, and the surrounding areas of Central Jersey. Her experience, knowledge, and unsurpassed degree of personal service will enable your success in the purchase or sale of property. She is your best source of information, and in the Central New Jersey area, Charlotte is a NUMBER1EXPERT™!

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RE/MAX Central real estate and homes for sale in Marlboro, Manalapan and Freehold New Jersey

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