Millburn/Short Hills, Maplewood and South Orange real estate and homes for sale in New Jersey - Stephanie Mallios, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
Millburn/Short Hills, Maplewood and South Orange real estate listings, home buying, selling and homes for sale in New Jersey - NUMBER1EXPERT(tm)
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Stephanie Mallios
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The Manors at South Mountain

All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-376-5115.

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School Reports in Millburn/Short Hills, Maplewood and South Orange, 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.
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Real Estate Tips
Financing Your Home >Credit Card Mania

Most people know that a checkered credit history can disqualify you for a home loan, and maxed-out credit cards can do the same thing. But what most people don't know is that merely having a large number of credit cards, even with low balances and a history of timely payments, can disqualify you for a home mortgage loan just as quickly.

According to credit experts, having a number of credit cards can be just as detrimental to the granting of further credit as a history of late payments. Lenders look at it this way: If you have ten credit cards, each with a limit of $5,000, that means you have the potential to run up $50,000 in debt virtually any time you choose. That mere possibility makes you a greater risk, from their point of view.

The moral of the story? If you are planning to apply for a home loan in the future, keep only those credit cards you actually need to use and cancel the others.

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Real Estate Trivia
Q 
In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?

A 
Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
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Stephanie Mallios, REALTOR®, real estate agent and broker for Millburn/Short Hills, Maplewood and South Orange, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Stephanie Mallios
Coldwell Banker Residential Brokerage

545 Millburn Ave
Short Hills, NJ 07078
Phone 1: 973-376-5115
Phone 2: 201-404-1972
eFax: 973-387-4657
Stephanie.Mallios@cbmoves.com

Real Estate has changed a great deal since I started helping clients in 1987. Buyers and sellers have a greater knowledge about the market than ever before and they expect more from their agent. My clients rely on me to guide them through the challenges of buying and selling their homes and helping them achieve their dreams and goals. Experience counts. It takes commitment, passion and caring to be there for you, in up markets and down, always remembering, it’s not about me. It’s all about you and your dreams!

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