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Real Estate Resources:

• Special Offers - Special offers for Short Hills, Millburn and Summit homeowners from Arlene and Thomas Gonnella.

• Affiliates - Arlene and Thomas Gonnella's real estate web site affiliates.

• eNewsletter - Arlene and Thomas Gonnella'sShort Hills, Millburn and Summit newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, New Jersey, and United States.

• Market Conditions Report - Market conditions report for this area, New Jersey, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Short Hills, Millburn and Summit, New Jersey mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in New Jersey or buy your own Short Hills, Millburn and Summit house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Short Hills, Millburn and Summit mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New Jersey real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Arlene and Thomas Gonnella anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Arlene and Thomas Gonnella's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Short Hills, Millburn and Summit property in New Jersey, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Short Hills, Millburn and Summit Homes, For Home Buyers, For Home Sellers, Short Hills, Millburn and Summit Information, Real Estate Resources, and About Arlene and Thomas Gonnella.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Short Hills, Millburn and Summit

Tax Considerations >Tax Rewards for Homeowners The Federal Tax Code has significantly improved the American taxpayer's ability to profit by selling a principal residence. Prior to 1997, homeowners could take advantage of a tax benefit termed the "rollover", which granted exemption from capital gains taxes on the net profit from the sale of a home. Homeowners who used profits to purchase a bigger and better home did not have to pay tax. And homeowners over the age of 55 were given a once-in-a-lifetime exclusion from taxes on profits of up to $125,000 on the sale of their principal residence. Compare those tax breaks with our current, streamlined and potentially more profitable arrangement that replaced both the rollover and the one-time exemption. If you are a married home-seller filing jointly, you may enjoy up to $500,000 in tax-free home sale profits, provided you have occupied the property as your principal residence during two of the last five years. Taxpayers who file singly get a $250,000 capital gains exclusion. Homeowners are eligible to exclude capital gains on the sale of a principal residence as often as once every two years. The law allows capital gain exclusions whether you "buy up" to a more expensive home or "buy down" to a less expensive one. The tax-free dollars can be used in any way you want. Consult your tax advisor for detailed advice about your particular circumstance. See All Tips In The "Tax Considerations" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Arlene and Thomas Gonnella Weichert, Realtors 505 Millburn Avenue Short Hills, NJ 07078 Office: 973-376-4545 x190 Cell: 201-306-1357 Res.: 201-978-3776 Fax: 973-912-0072 Arlenegonnella@gmail.com Arlene is the #1 Agent in the Millburn/Short Hills Market for 2004, 2005, 2006, 2007, 2008 and 2009 per GSMLS and the #1 Agent in the Entire Company for 2002, 2004, 2005, 2006, 2007, 2008 and 2009 www.GonnellaTeam.com is brought to you by Arlene and Thomas Gonnella NUMBER1EXPERT™ in real estate for Short Hills, Millburn and Summit, New Jersey Read Arlene and Thomas Gonnella's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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