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Carmela Pereira

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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-580-1991.
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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.



School Reports
See the nation's top rated reports for Schools in Nutley, Belleville and Clifton >


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As soon as we list another home for sale, we'll email you. You'll know first.
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TripleCalc Software
Welcome > Resources > Free TripleCalc Software ...

Download TripleCalc for FREE. It's My Gift to You. 

You can compare three loans at one time with TripleCalc software. The software installs easily on your Windows PC. 

You don't have to be online to use TripleCalc, like the other calculators on my site. You can leisurely compare three loans from three different lenders, and try different scenarios to see which loan is best for you. 

TripleCalc would cost you about $30 elsewhere, but you can have it for FREE. It's my gift to you for visiting my Nutley, Belleville and Clifton area web site. 

You can send copies of TripleCalc to all your friends and associates. 

Click on the Download link below to get TripleCalc. It's a small file (about 225k) so it will download quickly. Save it on your hard drive, and then double-click on it. You'll see that it installs in a snap... 

 Download TripleCalc Now!

TripleCalc Interface, part 1
TripleCalc Interface, part 2
This is what TripleCalc will look like on your Windows PC. You can compare 3 loans, at one time -- and you don't have to be online. TripleCalc lets you get a leg up on complicated loan comparisons.


Includes 8 other calculations you can't do without:

  • Simple Mortgages with P.I.T.I.
  • Pre-qualifying mortgages
  • Plus lease, investment, balloon payment and other calculators.
  • Every calculator uses the super-convenient "compare three at once" format.
  • It's FREE.

 Download TripleCalc Now!


TripleCalc Interface, part 1
TripleCalc Interface, part 2
TripleCalc Interface, part 3
Includes 9 sophisticated calculators. You'll use it again and again, on everthing from house payments to car loans and more.

 Download TripleCalc Now!



School Reports in Nutley, Belleville and Clifton, 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 Nutley, Belleville and Clifton 



Real Estate Tips
First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

See All Tips In The "First Time Buyers" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What criteria determines the hottest real estate markets?

A 
Job/personal income growth; population/household growth; housing affordability/appreciation; and current inventory of homes for sale.
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Carmela Pereira, REALTORŪ, real estate agent and broker for Nutley, Belleville and Clifton, New Jersey home listings, property and land for sale

Carmela Pereira
Coldwell Banker Franklin Realty

527 Franklin Ave.
Nutley, NJ 07110
973-580-1991
Fax: 973-235-0718
carmelapereira@NUMBER1EXPERT.com


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