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Over 23 Years of Local Real Estate Experience. Call or E-mail Jill Smith Today 973-722-2234, JillSmith@Comcast.net!

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Welcome to Jill Smith's Chatham, Harding and Madison Real Estate Website
Welcome to Jill Smith's Chatham, Harding and Madison Real Estate Website

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For Local Expertise, Rely on a Local!  

Jill Smith has over 23 Years of Real Estate Experience in Millburn-Short Hills, Summit, Maplewood, Chatham, Madison, Harding and Westfield. 

A Realtor for over 23 years, Jill Smith has the experience, professionalism, reputation and rapport with area agents, attorneys and home inspectors to facilitate every transaction.

A former resident of Morris Township and a resident of Short Hills for over 20 years, Jill Smith has an in-depth knowledge of Milburn-Short Hills and the surrounding communities. Her son attended the Delbarton School from 7th grade on and actually taught calculus and coached basketball there himself for two years after graduating from Williams College. Jill's daughter rode horses competitively when she was younger and boarded her horses at a stable in Chester close to the home of the United States Equestrian Center. A graduate of Millburn High School, she later did graduate course work at Drew University in nearby Madison.

Real estate is largely a referral business. Jill Smith's 23-year long career in real estate is based on a proven record of getting results, being dependable and trustworthy and truly caring about sellers, buyers and the communities in which she works. Jill Smith is not just a salesperson, she's a member of the community.
 

 

             
         
New Jersey Cities:
Bedrooms:
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Millburn/Short Hills
Maplewood N.J.
Harding N.J.
Chatham N.J.
Summit
Madison
Westfield

     
   
 
These are properties exclusively by Keller Williams of Summit New Jersey. Click Here to view all our featured properties in a sortable list.
 
 
       



School Reports in Chatham, Harding and Madison, New Jersey
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Real Estate Tips
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.

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Real Estate Trivia
Q 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Jill Smith, REALTOR®, real estate agent and broker for Chatham, Harding and Madison New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Jill Smith
Keller Williams Realty

488 Springfield Avenue
Summit, NJ 07901
Office: 908-273-2991
Fax: 908-273-2996
Mobile: 973-722-2234
Jill@JillSmithRealtor.com

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