Expert Local Information for River Vale, Hillsdale and Woodcliff Lake, New Jersey Provided by Susan Laskin

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Hillsdale, Woodcliff Lake and River Vale Information

Welcome > Local Info > Playful Pets...

Four-legged companions will be well cared for in Bergen County. First and foremost, there are many beautiful parks with dog runs for your animals, so you can enjoy the great outdoors together. Bergen county communities also have top-notch animal shelters and veterinarian services, as well as numerous resources for training, dog-walking, and boarding. If you are a horse person, the Bergen Equestrian Center may be your home away from home, and there are also many wonderful riding trails in the area. If exotic pets are your interest, check out the listings for unusual animals to acquire. There are also outdoor restaurants that will welcome your pets, and the New Jersey transit even allows small animals in protective carriers to ride. All aboard!

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Pet Organizations e.g. 4H, FFA

Request my Free River Vale, Hillsdale and Woodcliff Lake, Pascack Valley and Bergen County NJ Relocation Package. It's packed full of useful and important information about the River Vale, Hillsdale and Woodcliff Lake, and Pascack Valley New Jersey area. Don't move here without it! Remember: I'll send it to you for free and without obligation. Just fill out the form and I will send it right out...

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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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Q	What is a "jumbo mortgage"?
A	The term "jumbo mortgage" currently refers to a mortgage loan in excess of $359,650, although the threshold amount may change as the market fluctuates.
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Susan Laskin, Sales Associate
#1 Realtor CB Pascack Valley Office '05,'06, 07!
Coldwell Banker Residential Brokerage
50 Broadway
Hillsdale, NJ. 07642
Office: 201-930-8820 ext. 117
Cell: 201-615-5353 (call first)
Fax: 201-664-1925
Direct: 201-930-3051(voice mail)
e mail: Susan@SusanLaskin.com
Coldwell Banker congratulates Susan Laskin on being the #1 Sales Associate in the Pascack Valley Marketing Center for 2006 & 2005 & 2007! Susan Laskin, Bergen County Realtor, is the #1 Realtor of ALL COMPANIES in the Pascack Valley for 2007, having moved more families in the Pascack Valley than any Realtor from ALL COMPANIES! Susan Laskin is in the top 1% of 4,000 Coldwell Banker Agents in New Jersey and Rockland County for 2006 & 2007, with sales for 2006 in excess of $26 million dollars, and a record breaking 31.5 million in 2007, and is one of the premier real estate agents in the Bergen County, New Jersey area. She takes a unique and very successful approach to selling real estate � one of high tech marketing, high-brow creative thinking, and a high energy level, in conjunction with a personal and individualized touch.

A long time resident of River Vale, N.J., Susan�s 20 years of dramatic success in real estate sales is evidenced by her many awards throughout her career, including the New Jersey Association of Realtors Distinguished Sales Award, for earning the prestigious NJAR Circle of Excellence Award for more than 10 years, NJAR Circle of Excellence Prestigious Award GOLD Level for 2004 and 2005 and the sought after Platinum Level for 2006 & 2007, Coldwell Banker Hillsdale�s Salesperson of the Year 2005, 2006, & 2007,CB International President's Premier (top 1% of CB agents nationwide), as well as �Rookie of the Year� in 1988 for the entire Schlott Residential Real Estate Corporation.

A former college professor, with doctoral studies in music at the City University of New York, she uses her intuitive thinking and creativity to help her buyers find their ideal home, and to help her sellers, with her specialized and unique high tech marketing program, to maximize the price and quick sale of their home. The result is unsurpassed expertise and service - and many very happy buyers and sellers. If you are thinking of a move, then your first move is to call Susan (201-615-5353) and let her put her expertise to work for you!

Coldwell Banker Residential Brokerage
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