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Welcome to Stan Kay'sLivingston, Short Hills, West Orange and Springfield Real Estate Website

Welcome! Here You Can Find Great Information on Livingston, Short Hills, West Orange and Springfield, New Jersey Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Livingston, Short Hills, West Orange and Springfield real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. 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 real estate agent. 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 Livingston, Short Hills, West Orange and Springfield real estate agent, I have the experience and track record you are looking for. Please let me help.

- Stan Kay

School Reports in Livingston, Short Hills, West Orange and Springfield, New Jersey

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Schools in Livingston, Short Hills, West Orange and Springfield

First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

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Q	What is the average age of a first-time homebuyer in the United States today?
A	The average age of a first-time U.S. home buyer is 32 years.
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Stan Kay, REALTOR®, real estate agent and broker for Livingston, Short Hills, West Orange and Springfield, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Stan Kay
Keller Williams
488 Springfield Ave
Summit, 07901
OFFICE: 973-376-0033 x 220
FAX: 973-376-1088
CELL: 908-209-4615
STAN@STANKAY.COM

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