Summit, NJ

Since September 2008, we have seen the world spin on its axis at lightning speed. Today, four months later, Americans are finding deep satisfaction in the simple things in life: the love of family, friends and comforts of home. At the same time, we're reducing costs, spending and carbon footprint because it's important and the right thing to do.

We're buying quality rather than quantity and only buying brands that offer top-notch service or opting to pay for it. Flashy and bling are out, and small is the new big. Most will no longer entrust large organizations to manage their money, taking an active hands-on role in managing and evaluating purchases and investments. Americans will continue "cocooning", making house and home more important than ever from both a lifestyle and economic perspective. Real estate will regain its time and tested position as an important component in one's life and portfolio.

Martha McDonnell / Lois schneider Realtor

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Prepare Yourself Financially

• Frequently, we hear of good intentioned buyers who learn they have a low credit score only after getting a mortgage pre-approval. Once you begin your home search, whether this is your first or move-up home, run your credit. This can be done online for free or you can go to any of the three nationwide consumer reporting agencies, Equifax, Experian and TransUnion, who will provide you with a report once a year at no cost. The reason for this is to verify that there is no erroneous or incorrectly reported information. By doing this early on, one has time to remediate the finding before applying for a mortgage or homeowners' insurance.
• Put your credit cards away and do not buy any big ticket items with a revolving payment (automobile). Check out www.credit.com. They have a lot of do-it-yourself tips on how to improve your credit score. Remember, the higher your score, the better your mortgage rate and cheaper homeowners' insurance.
• Cash is STILL king! Put down 20% on a conventional loan and 30% on a jumbo. You are highly likely to get a competitive (under what you see published) mortgage rate from any established national lender.

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Prepare Yourself Financially

• Frequently, we hear of good intentioned buyers who learn they have a low credit score only after getting a mortgage pre-approval. Once you begin your home search, whether this is your first or move-up home, run your credit. This can be done online for free or you can go to any of the three nationwide consumer reporting agencies, Equifax, Experian and TransUnion, who will provide you with a report once a year at no cost. The reason for this is to verify that there is no erroneous or incorrectly reported information. By doing this early on, one has time to remediate the finding before applying for a mortgage or homeowners' insurance.
• Put your credit cards away and do not buy any big ticket items with a revolving payment (automobile). Check out www.credit.com. They have a lot of do-it-yourself tips on how to improve your credit score. Remember, the higher your score, the better your mortgage rate and cheaper homeowners' insurance.
• Cash is STILL king! Put down 20% on a conventional loan and 30% on a jumbo. You are highly likely to get a competitive (under what you see published) mortgage rate from any established national lender.

Be the first to discover a home site that is in a premier location, nestled on a gentle slope, located in the sought after town of Summit. Watching your home being constructed on over an acre of land is a sight to behold. Imagine a colonial with a wide front porch, interesting roof lines and eyebrow windows that emulate the towns 'old world' reputation as they travel the town. This estate styled home will soon be the envy of the neighborhood. Over 7000 Square Feet of carefully thought out design constructed with quality materials and a master builder. With nature as your backdrop, you?ll be looking out the windows to mature trees in a natural setting. Enjoy a walk to down town Summit and enjoy the quaint shops or jump on the train with its unlimited express lines to New York.

Front Close-up Front Front Right Front Left Rear Left Rear Right First Floor Second Floor Click to Enlarge Floor Plans

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For further information Phone: Paul Stillwaggon (908) 561-5492 Cell: (908) 310-1358 Pat Cornish (908) 561-6499 Cell: (908) 578-0890

You can Email us at: njestates@gmail.com We are located at: 55 Stirling Road, Watchung, NJ 07069