School Performance Reports Are Here!

One of the first questions I am asked when families are thinking of a move to the 'burbs - what are the best school districts? Well, the annual report is out. Access the stats here. Out of the 315 state districts, here are a few local rankings based off SAT Scores & Pariticpation Rate* #7 Montgomery Township School District #10 Bernards Township School District #24 Bridgewater Raritan Regional School District #27 Hillsborough Township Public School District #38 Watchung Hills Regional High School District #65 Hunterdon Central Regional High School District #100 Somerville Public School District * Source: New Jersey Department of Education   Looking to buy a home in one of these top rated districts? Click here and let's connect!  -Tom Ciccarone

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Buying a home BEFORE selling your current home? Learn about Mortgage RECAST!

Buying a home in today's market is difficult. Buying a home in today's market with a home sale contingency is extremely difficult. Others that can afford to buy without selling often get uneasy about being homeless if they sell too soon or they want a buffer period between homes. A strategy that I incorporate with my clients that have a home they would like to or need to sell prior to buying is this - find a way to buy without having to sell! There are lots of tools available to current homeowners - a home equity line of credit, loan against a 401k, assistance from a family member or friend... Lots of different ways to go about it.  What many clients don't know is that once you close on your new home then sell your old home you can do a mortgage recast. Click this link to learn how a lump sum principal payment on your new home from the proceeds of your previous home can recalculate loan amortization schedule which in the end lowers your monthly payment. You can also do this any time throughout the life of your loan. Keep your rate but lower your payment :)  

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