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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-267-8990.
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Find Out About the Latest Homes for Sale First!
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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Denise Flanagan is one of The Top
Selling Real Estate Experts™
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Special Offers: Special offers for Morristown, Harding, Randolph
and Morris Plains homeowners from Denise Flanagan, top
Realtor |
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Affiliates: Denise Flanagan's real estate web site
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eNewsletter: Denise Flanagan's Morristown, Harding, Randolph and
Morris Plains newsletter email will send you the latest real estate
information |
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Today's Real Estate News: Daily real estate news for this neighborhood, New Jersey, and United
States |
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Market Conditions Report: Market conditions report for this area, New Jersey, and United
States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Morristown, Harding, Randolph and Morris Plains New Jersey mortgage
payments save you on your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in New Jersey or buy your own Morristown, Harding, Randolph and Morris
Plains house, ranch, luxury property, condominium, acreage, or other real
estate? |
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Adjustable Rate Mortgages: Adjustable rate
Morristown, Harding, Randolph and Morris Plains mortgages information and
interest rate java calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Denise Flanagan anything real
estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT
real estate agentss and realty professionals and brokers in the USA and Canada
with links to their personal web sites with homes for sale |
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Real Estate Tips: Denise Flanagan's realty
library of real estate tips and advice on everything from preparing your home
for sale to negotiating with home buyers to escrow, closing costs, property
inspections, and mortgage brokers |
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Real Estate Trivia: Denise Flanagan's collection of real estate trivia
questions and answers that include real estate topics such as the most
expensive home, largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Morristown, Harding, Randolph and Morris Plains property in New Jersey,
including legal terms definitions, and more |
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About Appraisals >Fair Market Value
What is the best price for a piece of real estate? Mortgage lenders, appraisers, and real estate brokers use what is called the "fair market value" (FMV). FMV has been defined as "the price that a buyer is willing to pay and the seller is willing to accept, when both parties are knowledgeable about the property and neither is under any time pressure to buy or sell". Sounds great, but how is this price determined?
The starting point for determining a fair price may be an opinion of the value or "comparative market analysis". Such an analysis uses information on similar properties which are: 1) currently for sale, 2) already sold, or 3) expired properties (those which did not sell). Local, national and international trends and market conditions must also be evaluated.
By comparing similar properties in each of the three categories and the market conditions, appraisers, lenders and agents come very close to the maximum price that buyers would be willing to pay for a house.
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| Q |
What is the world's most expensive Monopoly set?
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San Francisco jeweler Sidney Mobell created an exclusive $2 million Monopoly set, with solid 23 carat gold houses, chimneys made of rubies and sapphires and dice with 42 full cut diamonds for spots. |
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- NUMBER1EXPERT™ 
