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"Outstanding Sales Performance 2008"
"You exceeded expectations that were presumed limited in an unstable market and you redefined truly remarkable service."
Bruce Zipf, President & CEO, NRT
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Judy Hirshburg is one of The Top Selling Real Estate Experts™
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Judy Hirshburg, REALTORŽ, real estate agent and broker for Caldwell, Verona, and Essex Fells New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

WELCOME!
I'm Judy Hirshburg of Coldwell Banker Residential Brokerage
America's NUMBER1EXPERT™
for the Caldwells, Verona, and Essex Fells, New Jersey Real Estate.

Extensive Property
Searches and Moving Info

Looking for homes in Northern New Jersey? I belong to both GMLS.com and NJMLS.com. You can search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information on the West Essex area? As a top agent with over 30 years of experience I've summarized much of what is important about Caldwell, North Caldwell and West Caldwell, Essex Fells, Verona, Roseland, Cedar Grove, West Orange, Montclair, Fairfield, Livingston, Montville and the Wayne real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top Realtor. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Realtor, I have the experience and track record you are looking for. Please let me help.

Judy Hirshburg

Welcome! Here You Can Find All The Best Real Estate Information In The West Essex Area of New Jersey. In Short Here's Everything You Need Or Want To Know From An Expert!

School Reports in Caldwell, Verona, and Essex Fells, New Jersey

"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 Caldwell, Verona, and Essex Fells

Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	What characteristics must a home have to be considered a prestigious property?
A	Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Judy Hirshburg
Coldwell Banker Residential Brokerage
484 Bloomfield Avenue
Caldwell, NJ 07006
Direct Line: 973-201-321-5735
Eves: 973-575-1394
Cell phone: 201-321-5735
Email: realtorjudyh@juno.com
Email: JudyHirshburg@NJHomePro.com

Judy Hirshburg is your top selling Essex County expert. She specializes in Caldwell, North Caldwell, West Caldwell, Essex Fells, Verona, Livingston, Montclair, Cedar Grove, West Orange and Roseland and belongs to both GSMLS and NJMLS. For more than 30 years, Judy Hirshburg has been consistently named a top agent in the West Essex area and has been a recipient of the National Association of Realtors' Distinguished Sales Award (10 years or more in the Million Dollar Sales Club). Her strong principles, vivacious personality and keen negotiating/marketing skills, combined with her extensive knowledge of the schools, transportation and shopping in her area, make her the most valuable realtor to have on your side. Judy's proven track record enables her to service either side of your transaction, whether buying or selling. She is DEDICATED TO MEETING YOUR NEEDS and is PASSIONATE ABOUT HER WORK, and it is this dedication that delivers optimal results for her clients and achieves their highest expectations. Read the recommendations from past customers and see for yourself.

Equal Housing MLS REALTOR

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NUMBER1EXPERT™ for Caldwell real estate NJ, Verona real estate, and Essex Fells real estate, New Jersey

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