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Hilary Gilles

All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-615-0786.

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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • Find Summit, South Orange and Short Hills Homes - Find Summit, South Orange and Short Hills, New Jersey real estate listings & homes for sale provided by Hilary Gilles, your local expert real estate agent.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • Summit, South Orange and Short Hills Information - Find local information on Summit, South Orange and Short Hills, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Hilary Gilles, a proven NUMBER1EXPERT™ Top Selling real estate agent.

  • Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

  • About Hilary Gilles - Information about Hilary Gilles including testimonials, guarantees, credentials, and contact information. Learn why Hilary Gilles is a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

 

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School Reports in Summit, South Orange and Short Hills, New Jersey
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Real Estate Tips
Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Real Estate Trivia
Q 
What is the average age range of a second-home buyer in the United States?

A 
Currently, second-home buyers in America are most often between 41 and 44 years of age.
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Hilary Gilles, REALTOR®, real estate agent and broker for Summit, South Orange and Short Hills, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Hilary Gilles
Keller Williams Realty

Premier Properties Essex, Union & Morris Counties
488 Springfield Ave.
Summit, NJ 07901
Mobile: 973-615-0786
Fax: 973-376-1088
Fax: 973-763-2121
HilaryGilles@NUMBER1EXPERT.com
hilarygilles@kw.com

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