Camille Miller

New Jersey is a peninsula.
Highlands, New Jersey has the highest elevation along the entire eastern seaboard, from Maine to Florida.
New Jersey is the only state where all of its counties are classified as metropolitan areas.
New Jersey has more race horses than Kentucky.
New Jersey has more Cubans in Union City (1 sq MI.) than Havana, Cuba.
New Jersey has the densest system of highways and railroads in the US.
New Jersey has the highest cost of living.
New Jersey has the highest cost of auto insurance.
New Jersey has the highest property taxes in the nation.
New Jersey has the most diners in the world and is sometimes referred to
as the "Diner Capital of the World."
New Jersey is home to the original Mystery Pork Parts Club (no, not Spam): Taylor Ham or Pork Roll.
Home to the less mysterious but the best Italian hot dogs and Italian sausage w/peppers and onions.
North Jersey has the most shopping malls in one area in the world, with seven major shopping malls in a 25 square mile radius.

The Passaic River was the site of the first submarine ride
by inventor John P. Holland.
New Jersey has 50+ resort cities & towns; some of the nation's most famous:
Asbury Park, Wildwood, Atlantic City, Seaside Heights, Long Branch, and Cape May.
New Jersey has the most stringent testing along its coastline for water quality control than any other seaboard state in the entire country.
New Jersey is a leading technology & industrial state and is the largest chemical producing state in the nation when you include pharmaceuticals.
Jersey tomatoes are known the world over as being the best you can buy.
New Jersey is the world leader in blueberry and cranberry production
(and here you thought Massachusetts?)

Here's to New Jersey - the toast of the country! In 1642, the first brewery in America, opened in Hoboken.
New Jersey rocks! The famous Les Paul invented the first solid body electric guitar in Mahwah, in 1940.
New Jersey is a major seaport state with the largest seaport in the US, located in Elizabeth. Nearly 80 percent of what our nation imports comes through Elizabeth Seaport first.
New Jersey is home to one of the nation's busiest airports (in Newark), Liberty International
George Washington slept there.
Several important Revolutionary War battles were fought on New Jersey soil, led by General George Washington ..

The light bulb, phonograph (record player), and motion picture projector, were invented by Thomas Edison in his Menlo Park, NJ, laboratory.
New Jersey also boasts the first town ever lit by incandescent bulbs (Roselle).
The first seaplane was built in Keyport, NJ.
The first airmail (to Chicago) was started from Keyport, NJ.
The first phonograph records were made in Camden, NJ
New Jersey was home to the Miss America Pageant held in Atlantic City.
The game Monopoly, played all over the world, named the streets on its playing board after the actual streets in Atlantic City.
And, Atlantic City has the longest boardwalk in the world, not to mention salt water taffy.
New Jersey has the largest petroleum containment area outside of the Middle East countries.
The first Indian reservation was in New Jersey, in the Watchung Mountains
New Jersey has the tallest water-tower in the world. (Union, NJ!!!)
New Jersey had the first medical center, in Jersey City
The Pulaski SkyWay, from Jersey City to Newark, was the first skyway highway.
New Jersey built the first tunnel under a river, the Hudson (Holland Tunnel).
The first baseball game was played in Hoboken, NJ, which is also the birthplace of Frank Sinatra.
The first intercollegiate football game was played in New Brunswick in 1889 (Rutgers College played Princeton).
The first drive-in movie theater was opened in Camden, NJ,
(but they're all gone now!).
New Jersey is home to both of "NEW YORK'S" pro football teams!
The first radio station and broadcast was in Paterson, NJ.
The first FM radio broadcast was made from Alpine, NJ, by Maj. Thomas Armstrong.
The Great Falls in Paterson, on the Passaic River, is the 2nd highest waterfall on the East Coast of the US.

All New Jersey natives:
Sal Martorano, Jack Nicholson, Bruce Springsteen, Bon Jovi, Jason Alexander,
Queen Latifah, Susan Sarandon, Connie Francis, Shaq, Judy Blume, Aaron Burr, Joan Robertson, Ken Kross, Dionne Warwick, Sarah Vaughn, Budd Abbott, Lou Costello,
Alan Ginsberg, Norman Mailer, Marilynn McCoo, Flip Wilson, Alexander Hamilton, Zack Braff,
Whitney Houston, Eddie Money, Linda McElroy, Eileen Donnelly, Grover Cleveland, Woodrow Wilson, Walt Whitman, Jerry Lewis, Tom Cruise, Joyce Kilmer, Bruce Willis, Caesar Romero, Lauryn Hill, Ice-T, Nick Adams, Nathan Lane, Sandra Dee, Danny DeVito, Richard Conti, Joe Pesci, Joe Piscopo, Joe DePasquale, Robert Blake, John Forsythe, Meryl Streep, Loretta Swit, Norman Lloyd, Paul Simon, Jerry Herman, Gorden McCrae, Kevin Spacey, John Travolta, Phyllis Newman, Anne Morrow Lindbergh, Eva Marie Saint, Elisabeth Shue, Zebulon Pike, James Fennimore Cooper, Admiral Wm. Halsey Jr., Norman Schwarzkopf, Dave Thomas (Wendy's),
William Carlos Williams, Ray Liotta, Robert Wuhl, Bob Reyers, Paul Robeson, Ernie Kovacs, Joseph Macchia, Kelly Ripa, and, of course, Francis Albert Sinatra and "Uncle Floyd" Vivino.

Borrowers who obtain a mortgage through the New Jersey Housing and Mortgage Finance Agency's Home Buyer Program can participate in the Tax Credit Loan Program (TCLP). Through the TCLP, buyers can get a loan of up to $5,000 that is secured by their anticipated federal tax credit. They can use the extra money toward the down payment or closing costs, not accrue any interest and pay it back once they get the credit from the government.

If you're ready to speak to a REALTOR in NJ don't hesitate to contact us to help you find a local agent-our services are always free...

You always have the right not to sell your own home. You can withdraw your listing from the market by having your agent fill out a listing change form and it is effective immediately. If your asking for an unconditional release so that you may list with someone else well...that a whole different subject. Even if you cancel your current contract as stated above, you may not sell your home yourself without owing a commission to the listing agent until 90 days after the expiration date of the contract. This is to prevent unethical sellers from using an agent to market the home and then attracting a buyer and dropping the agent. To get an unconditional withdraw (so no commission is owed should you sell) you would need to speak with the office Broker but it is not likely one will be granted.

Lt me preface my answer by saying you should always consult a qualified tax professional. that being said..

Since it's not your primary residence you can't take a deduction for it anyway, so there is no difference if you sell it today or 6 months from now. The only way it would make a difference is if you lived in the home as a primary residence for 2+ years. Then you could deduct $250,000 (as a single) on the tax of capital gain you would be claiming.

You will also need to pay a realty transfer fee in New JErsey. You can calculate the exact cost on the sellers page of http://www.justjerseyrealestate.com. Good Luck to you.

Motgage rates did drop slightly this week form 5.42 to 5.2 but I doubt we will see below 5 again either way these are excellent rates. Additionally the biggest home buying incentive is already being offered by the government to first time home buyers. To read about the specifics go to http://www.justjerseyrealestate.com by clicking on the icon from the home page. Good luck to you,

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