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Welcome to The Cross Keys Team's Montclair, NW Essex County and Passaic County Real Estate Website

Welcome! Here You Can Find Great Information on Montclair, NW Essex County and Passaic County, New Jersey Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the Montclair, NW Essex County and Passaic County real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. we have the experience and track record you are looking for.

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School Reports in Montclair, NW Essex County and Passaic County, New Jersey

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Montclair, NW Essex County and Passaic County

Self Employed >No Problem

There is no doubt about the fact that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications from buyers who are self-employed than from those who work for a regular salary.

If you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Q	What little-known folk remedy is said to help keep bats away from your home?
A	According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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The Cross Keys Team, REALTOR®, real estate agent and broker for Montclair, NW Essex County and Passaic County, New Jersey home listings, property and land for sale - NUMBER1EXPERT

The Cross Keys Team
RE/MAX Village Square Realtors
516 Valley Rd.
Upper Montclair, NJ 07043
973-744-7722
Fax: 973-744-7723
sandrabolcar@NUMBER1EXPERT.com

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