All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-783-8993

Sign Up For My eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

TOM, YOU HAVE A BIG FAN
This is from an e-mail my client received.
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Thomas Laurita is one of The Top Selling Real Estate Experts™
Find Out More >

See the nation's top rated reports for Schools in Maplewood, South Orange and Montclair >

Coming Soon
Find Out More >

Welcome > For Buyers > Latest Listings ...

Find Out About the Latest Maplewood, South Orange and Montclair Area Homes for Sale Before Anyone Else!

I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the Maplewood, South Orange and Montclair, New Jersey area MLS, and even later on the national listings web sites, if at all.

By signing up to receive my latest listings, I'll send you an email notice instantly -- as soon as my latest homes for sale go online. You'll find out first, before other Maplewood, South Orange and Montclair buyers.

There is absolutely no obligation, and this service is free of charge. Don't miss out!

Get an email as soon as my new properties come on the market in Maplewood, South Orange and Montclair! There's no obligation, and you can stop my emails with one click. Just fill out this form to get started...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >

School Reports in Maplewood, South Orange and Montclair, New Jersey

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
- America's Best School Profiles by
The Heritage Foundation

New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Maplewood, South Orange and Montclair

First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What island in the St. Lawrence River was given away on a television game show in 1964?
A	Price is Right Island was given away by Bill Cullen on "The Price is Right."
See More Real Estate Trivia >

Thomas Laurita, REALTOR®, real estate agents and broker for Maplewood, South Orange and Montclair, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Thomas Laurita
Better Homes NJ.com
VRI Realtors
539 Valley Road
Upper Montclair, New Jersey 07043
Office: 973-783-8993
Fax: 973-783-0218
Cell: 973-477-1164
Number 1 Expert E-Mail: thomaslaurita@NUMBER1EXPERT.com
Better Homes E-Mail: tlaurita@bhnj.com
Tom's E-Mail: talauri@aol.com
Tom Laurita and Associates/Better Homes NJ.com Team GIVES YOU MORE than you expect! Tom Laurita is a Member of the National Association of Realtors, West Essex Board of Realtors, North Central Jersey Board of Realtors. He has been distinguished with several awards - Circle of Excellence - Bronze 2001 - 2002, Silver 2003 - 2004, Gold 2005 - 2006. He has also been awarded "Entrepeneur of the Year". He volunteers for many organizations such as Lambda Legal; Defense, GLAAD, Human Rights Campaign Fund, and is a mamber of the Finance Committee for Garden State Equality. Tom's reputation, experience and expertise can SAVE YOU TIME AND MONEY in BUYING OR SELLING A HOME.

www.thomaslauritaessex.com is brought to you by Thomas Laurita
NUMBER1EXPERT™ in real estate for Maplewood, South Orange and Montclair, New Jersey

Read Thomas Laurita's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge