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Everyone offers free school reports. Me too! Plus I offer more. As a top Montclair, Glen Ridge, Bloomfield and Verona real estate agent, I can tell you things about the schools that no report generated by a computer will ever know. Remember, I consult with people moving to the Montclair, Glen Ridge, Bloomfield and Verona, New Jersey area on a daily basis. It's my job to know, and my job to tell you.

Call me for a first-hand experience of the local schools. Or fill out this form to send me a message right now. It's free and without obligation. I'll get back to you immediately with a phone call, a free report, or a brochure from a local school...

What ages are your children? I'll tell you what your choices are for schools in Montclair, Glen Ridge, Bloomfield and Verona. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Q	Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
A	The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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Lenore ''Lee'' Robinson, REALTOR®, real estate agent and broker for Montclair, Glen Ridge, Bloomfield and Verona, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Lenore “Lee” Robinson
Prominent Properties Sotheby's Int'l Realty
87 Park St.
Montclair, NJ 07042
Cellular: 973-222-4041
Office: 973-783-6900 Ext: 127
Fax: 973-873-7161
lenorerobinson@NUMBER1EXPERT.com
leerobin12@aol.com
I have been an intricate part of the real estate landscape in Montclair and the surrounding towns since 1987. I pride myself on efficiently guiding home buyers and sellers to a seamless completion of their transaction. I have chaired many real estate boards within our local board of Realtors and I am currently the chairman of the grievance committee. I have received the New Jersey Association of Realtors Circle of Excellence Award for 22 consecutive years. I have been a member of the Junior League of Montclair-Newark, since 1965. Recently, I was a featured Realtor on HGTV's "Bought and Sold". I have resided in Montclair since 1964, where I raised my four children.

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