Friday, July 31, 2015

Tax Advantages Homeowners Get That Renters Don’t

Becoming a homeowner brings you surprising tax benefits. See how much you could save when you buy a home.
Homebuyers get a host of tax benefits that renters don’t — critical deductions that can lower your overall tax bill.

But how much do homeowners really save on their taxes? Using 2012 IRS data, the most recent available, we calculated that a homeowner who took the average for each of four tax benefits would claim $15,871 in home-related deductions (if he or she itemizes).
1.  The interest they pay on a mortgage
2.  The points they pay on the mortgage
3.  The cost of all property taxes
4.  The cost of insuring their mortgage

Those are just the start: If Congress renews a long-standing tax credit in 2015, some homeowners can also shave their tax bill by up to $500 by making their homes more energy efficient. (The alternative minimum tax can affect whether you can claim homeowner-related tax benefits. Consult your tax adviser for advice regarding your situation.) And years from now, when they sell their home, most of them won’t owe taxes even if they pocket up to one-half million dollars in profit, unlike other investments that typically are taxed at 15% or more.

Renting still makes sense for many, particularly when you’re in transition. But you can’t deduct rent on your income taxes. That’s why it’s important to consider the tax benefits when you consider the advantages of buying vs. renting.

Homeowners Can Deduct the Interest They Pay on Their Mortgage
(Average deduction: $9,540*)
The mortgage interest deduction lets homeowners deduct the interest on their home mortgage up to $1 million ($500,000 if you’re married filing separately).

In the first few years of a mortgage, about two-thirds of the monthly mortgage payment is interest. That can translate to a hefty tax deduction.
For example, with a $200,000, 30-year fixed-rate mortgage at 4%, you’ll pay about $8,000 in interest the first year you own your home. Deducting that interest will save you $2,000 if you’re in a 25% income tax bracket ($8,000 x 0.25 = $2,000).

Since renters don’t have mortgages, they don’t get the mortgage interest deduction. The landlord gets the benefit while the renter typically pays the cost.

Homeowners Can Deduct Discount Points When They Buy (Average deduction: $611*)
When you buy a home, you can lower your interest rate by purchasing discount points.
Each point typically costs 1% of the loan amount, but you may be able to deduct that cost. So if you take out a $200,000 mortgage and buy one discount point for $2,000, you’d get a one-time $500 tax savings, assuming you’re in the 25% tax bracket ($2,000 x 0.25 = $500). Plus, you’ll be lowering your monthly mortgage payment because your interest rate will be lower.

Homeowners Can Deduct Property Taxes (Average deduction: $4,420*)
All homeowners pay taxes to their local jurisdictions, such as the county, city, or school district. Those property taxes are fully deductible. Renters aren’t eligible for a property tax deduction, even though their rental payments often help fund the property taxes their landlords pay. But only the landlord can take the deduction since he’s the owner.

A Tax Deduction That Helps Offset the Cost of Buying First Home
(Average deduction: $1,300*)
Most first-time homebuyers want to make the smallest downpayment possible because saving up for it is one of the toughest hurdles to homeownership. A loan guaranteed by Fannie Mae, Freddie Mac, VA, or FHA can help you buy a home with as little as 3.5% to 5% down instead of the typical 20%.
If you put down less than 20%, though, you’ll likely be required to buy mortgage insurance.
The good news: You probably earned another tax deduction. The cost of mortgage insurance is deductible, based on income limits. You can deduct the full cost if your income is less than $100,000, and some of the cost if your income is between $100,000 and $109,999.
Note: The mortgage insurance deduction expired at the end of 2014, and Congress has yet to renew it for 2015. In past years, Congress has renewed it late in the year or early in the following year.

The Biggest Tax Benefit Homeowners Get
The capital gains exclusion is probably the biggest of all the tax benefits homeowners enjoy. Plus, they can use it more than once (but not more than once every two years) to be exempt from paying taxes on profits of up to $500,000 (filing jointly) from selling their home.
Balance this benefit with investing in stocks and bonds. Unless those investments are in a Roth IRA or some other tax-free account, you’ll likely pay capital gains tax of at least 15% on your profit when you cash in those assets. A $500,000 profit in the stock market is typically going to mean you’d owe $75,000 in capital gains taxes.

Tax Credit for Going Green?
One more possible benefit: If Congress renews a long-standing benefit for 2015, you may also be able to claim up to $500 for making your home more energy efficient.
A tax credit is even better than a tax deduction because you use a credit dollar-for-dollar to offset what you owe in taxes. So if you owed $500 in federal taxes and you could claim a $100 tax credit, you’d have to pay only $400 in taxes.

Although getting several thousand dollars in deductions is a terrific benefit, it’s only part of the financial boost you get as a homeowner. Once you buy, you’ve locked in your monthly housing costs — no rent increases — and in the future, you end up with a valuable asset: a paid-for home.

* IRS, “SOI Tax Stats - Individual Income Tax Returns Publication 1304 (Complete Report);” Basic Tables: Exemptions and Itemized Deductions, Table 2.1: Returns with Itemized Deductions: Sources of  Income, Adjustments, Itemized Deductions by Type, Exemptions, and Tax Items 2012, available here. 

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.


Home Upgrades with the Lowest ROI

File these six upgrades under wish fulfillment, not value investment.
Life is a balancing act, and upgrading your home is no different. Some upgrades, like a kitchen remodel or an additional bathroom, typically add value to your home. Others, like putting in a pool, provide little dollar return on your investment.

Of course, home owning isn’t just about building wealth; it’s also about living well and making memories -- even if that means outclassing your neighborhood or turning off future buyers. So if any of these six upgrades is something you can’t be dissuaded from, enjoy! We won’t judge. But go in with your eyes wide open. Here’s why:

1.  Outdoor Kitchen

The fantasy: You’re the man -- grilling steaks, blending margaritas, and washing highball glasses without ever leaving your pimped-out patio kitchen.

The reality: For what it costs -- on average $12,000 to $15,000 -- are you really gonna use it? Despite our penchant for eating alfresco, families spend most leisure time in front of some screen and almost no leisure time outdoors, no matter how much they spend on amenities, according to UCLA’s "Life At Home" study. And the National Association of Home Builders' 2013 "What Home Buyers Really Want" report says 35% of mid-range buyers don’t want an outdoor kitchen.

The bottom-line: Instead, buy a tricked out gas grill, which will do just fine when you need to char something. If you’re dying for an outdoor upgrade, install exterior lighting -- only 1% of buyers don’t want that.

2.  In-Ground Swimming Pool

The fantasy: Floating aimlessly, sipping umbrella drinks, staying cool in the dog days of summer.

The reality: Pools are money pits that you’ll spend $17,000 to $45,000+ to install (concrete), and thousands more to insure, secure, and maintain. Plus, you won’t use them as much as you think, and when you’re ready to sell, buyers will call your pool a maintenance pain.

The bottom-line: If your idea of making it includes a backyard swimming pool, go for it.

But, get real about:
How many days per year you’ll actually swim.
How much your energy bills will climb to heat the water ($760 to $1,845 depending on location and temperature).
What you’ll pay to clean and chemically treat the pool ($20 to $100 per month in-season if you do it yourself; $75 to $165 per month for a pool service).
The fact that you'll likely need to invest in a pool fence. In fact, some insurance carriers require it.

3.  In-Ground Spa

The fantasy: Soothing aching muscles and sipping chardonnay with friends while being surrounded by warm water and bubbles.

The reality: In-ground spas are nearly as expensive ($15,000 to $20,000) as pools and cost about $1 a day for electricity and chemicals. You’ll have to buy a cover ($50 to $400) to keep children, pets, and leaves out. And, like in-ground pools, in-ground spas’ ROI depends solely on how much the next homeowner wants one.

The bottom-line: Unless you have a chronic condition that requires hydrotherapy, you probably won’t use your spa as much as you imagine. A portable hot tub will give you the same benefits for as little as $1,000 to $2,500, and you can take it with you when you move.

4.  Elevator

Your fantasy: No more climbing stairs for you or for your parents when they move in.
The reality: Elevators top the list of features buyers don’t want in the NAHB “What Buyers Really Want” report. They cost upwards of $25,000 to install, which requires sawing through floors, laying concrete, and crafting high-precision framing. And, at sales time, elevators can turn off some families, especially those with little kids who love to push buttons.

The bottom-line: If you truly need help climbing stairs, you can install a chair lift on a rail system ($1,000 to $5,000). Best feature: It can be removed.

5.  Backup Power Generator

Your fantasy: The power in your area goes kaput, but not for you. You were smart enough to install a backup power generator. While the neighbors eat cold hot dogs by a flashlight beam, you’re poaching salmon in your oven and pumping out Red Hot Chili Peppers tunes.

The reality: Power outages may seem to go on forever, but they don’t. Fifty dollars worth of batteries can power portable lights, radios, and TVs; a car adaptor will charge your cell phones and iPods; and some dry ice will keep freezer food cold for at least a couple of days.

The bottom-line: If you live in areas where power shortages are the rule, not the exception, spend the money for reliable backup power: Your still-frozen steaks, home office fax, and refrigerated medicine will thank you. But if the power goes out rarely, then installing a standby generator is overkill.
Nationwide, homeowners recouped 59.9% on their average $12,135 investment in a backup generator -- one of the lowest ROIs in the annual "Cost vs. Value Report." If you need occasional emergency power, a gasoline-powered portable generator ($200 to $650) probably will suffice.

6.  New Windows

The fantasy: Brand new windows that don’t stick, and slash energy bills.

The reality: An $11,000 vinyl window replacement project will recoup about 73% of your investment at resale, and if they’re Energy Star-qualified, they can save you around $300 in energy bills per year.  So, plan to live in your house about another 10 years to recoup the cost of new windows.

The bottom-line: We get it -- new windows are sturdy, pretty energy savers. But unless old window frames are thoroughly rotten, most windows can be repaired for a fraction of replacement costs. And if you spend about $1,000 to update insulation, caulking, and weather-stripping, you’ll save 10% to 20% on your energy bill

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.
 

7 Smart Strategies for Kitchen Remodeling

Homeowners spend more money on kitchen remodeling than on any other home improvement project. And with good reason: Kitchens are the hub of home life and a source of pride.
A significant portion of kitchen remodeling costs may be recovered by the value the project brings to your home. Kitchen remodels in the $50,000 to $60,000 range recoup about 68% of the initial project cost at the home’s resale, according to recent data from "Remodeling" magazine’s "Cost vs. Value Report."
A minor kitchen remodel of about $19,000 does even better, returning more than 79% of your investment.
To maximize your return on investment, follow these seven strategies to keep you on budget and help you make smart choices.

1. Plan, Plan, Plan

Planning your kitchen remodel should take more time than the actual construction. If you plan well, the amount of time you’re inconvenienced by construction mayhem will be minimized. Plus, you’re more likely to stay on budget.
How much time should you spend planning? The National Kitchen and Bath Association recommends at least six months. That way, you won’t be tempted to change your mind during construction and create change orders, which will inflate construction costs and hurt your return on investment.

Some tips on planning:

Study your existing kitchen: How wide is the doorway into your kitchen? It’s a common mistake many homeowners make: Buying the extra-large fridge only to find they can’t get it in the doorway. To avoid mistakes like this, create a drawing of your kitchen with measurements for doorways, walkways, counters, etc. And don’t forget height, too.

Think about traffic patterns: Work aisles should be a minimum of 42 inches wide and at least 48 inches wide for households with multiple cooks.

Design with ergonomics in mind: Drawers or pull-out shelves in base cabinets; counter heights that can adjust up or down; a wall oven instead of a range: These are all features that make a kitchen accessible to everyone — and a pleasure to work in.

Plan for the unforeseeable: Even if you’ve planned down to the number of nails you’ll need in your remodel, expect the unexpected. Build in a little leeway for completing the remodel. Want it done by Thanksgiving? Then plan to be done before Halloween.

Choose all your fixtures and materials before starting: Contractors will be able to make more accurate bids, and you’ll lessen the risk of delays because of back orders.
Don’t be afraid to seek help: A professional designer can simplify your kitchen remodel. Pros help make style decisions, foresee potential problems, and schedule contractors.
Expect fees around $50 to $150 per hour, or 5% to 15% of the total cost of the project.

More tips on planning a kitchen remodel:
Keep the same footprint
Get real about appliances
Don't underestimate the power of lighting
Be quality-conscious
Add storage, not space
Communicate clearly with your remodelers

2. Keep the Same Footprint

Nothing will drive up the cost of a remodel faster than changing the location of plumbing pipes and electrical outlets, and knocking down walls. This is usually where unforeseen problems occur.
So if possible, keep appliances, water fixtures, and walls in the same location. 

Not only will you save on demolition and reconstruction costs, you’ll cut the amount of dust and debris your project generates.

3. Get Real About Appliances

It’s easy to get carried away when planning your new kitchen. A six-burner commercial-grade range and luxury-brand refrigerator may make eye-catching centerpieces, but they may not fit your cooking needs or lifestyle.

Appliances are essentially tools used to cook and store food. Your kitchen remodel shouldn’t be about the tools, but the design and functionality of the entire kitchen.
So unless you’re an exceptional cook who cooks a lot, concentrate your dollars on long-term features that add value, such as cabinets and flooring.
Then choose appliances made by trusted brands that have high marks in online reviews and Consumer Reports.

4. Don’t Underestimate the Power of Lighting

Lighting can make a world of difference in a kitchen. It can make it look larger and brighter. And it will help you work safely and efficiently. You should have two different types of lighting in your kitchen:

Task Lighting: Under-cabinet lighting should be on your must-do list, since cabinets create such dark work areas. And since you’re remodeling, there won’t be a better time to hard-wire your lights. (Here’s more about under-cabinet lights.)
Plan for at least two fixtures per task area to eliminate shadows. Pendant lights are good for islands and other counters without low cabinets. Recessed lights and track lights work well over sinks and general prep areas with no cabinets overhead.

Ambient lighting: Flush-mounted ceiling fixtures, wall sconces, and track lights create overall lighting in your kitchen. Include dimmer switches to control intensity and mood.

5. Be Quality-Conscious

Functionality and durability should be top priorities during kitchen remodeling. Resist low-quality bargains, and choose products that combine low maintenance with long warranty periods. Solid-surface countertops, for instance, may cost a little more, but with the proper care, they’ll look great for a long time.
And if you’re planning on moving soon, products with substantial warranties are a selling advantage.

6. Add Storage, Not Space

Storage will never go out of style, but if you’re sticking with the same footprint, here are a couple of ideas to add more:

Install cabinets that reach the ceiling: They may cost more — and you might need a stepladder — but you’ll gain valuable storage space for Christmas platters and other once-a-year items. In addition, you won’t have to dust cabinet tops.

Hang it up: Mount small shelving units on unused wall areas and inside cabinet doors; hang stock pots and large skillets on a ceiling-mounted rack; and add hooks to the backs of closet doors for aprons, brooms, and mops.

7. Communicate Clearly With Your Remodelers

Establishing a good rapport with your project manager or construction team is essential for staying on budget. To keep the sweetness in your project:

Drop by the project during work hours: Your presence broadcasts your commitment to quality.
Establish a communication routine: Hang a message board on site where you and the project manager can leave daily communiqu├ęs. Give your email address and cell phone number to subs and team leaders.

Set house rules: Be clear about smoking, boom box noise levels, available bathrooms, and appropriate parking.

Be kind: Offer refreshments (a little hospitality can go a long way), give praise when warranted, and resist pestering them with conversation, jokes, and questions when they are working. They’ll work better when refreshed and allowed to concentrate on work.

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.



Thursday, July 30, 2015

Live in style & comfort, check out our HD Video Tour

28 Summerhill Drive, Parsippany NJ, Glenmont Commons
2 beds | 2.1 baths | 1 car garage | Finished Basement w/ Walkout!
List Price: $395,000


Located in Parsippany, NJ which was recently rated Number 16 in the Top 50 best places to live in the country by Money Magazine in 2014.  This lovely townhouse is in a wonderful location, centrally located and only about a 10 minute drive to Morris Plains Train Station for the Midtown Direct train to NYC.  As well as being in extremely close proximity to shopping and major highways such as 287, 80, 24 & 10.

The combination of the vinyl siding and handsome stone accompanied by a small porch give this townhouse an elegant charm that really makes it feel like home.  On the interior, the bright open floor plan coupled with high ceilings and elegant upgrades make entertaining something you will do with pride and joy! 


Click for more information about living in Glenmont Commons.

For more information about this listing, please click here!

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.

Wednesday, July 29, 2015

Take an HD Video Tour through our NEW listing in Whippany!

NEW Listing : 2106 Harvest Court, Whippany.
Oak Ridge Townhouse Community
Unit: 2 br | 2.1 ba | 2 car garage | updated | Bright & Open
List Price: $449,000


 Beautiful updated Townhouse in a great location, welcoming foyer with hardwood floors.

Dramatic 2 - story living room with tons of natural light, highlighting the wood floors throughout the unit.  The dining room opens to the living area for easy entertaining.

Lovely eat-in kitchen boasts granite counter tops, stainless steel appliances, ceramic tile floors, lots of counter and cabinet space, skylight, ceiling fan, and a sunny breakfast nook with sliders to the deck.

To view the full listing info for this property, please visit:
http://www.morris-homes.com/vtour/Pics.asp?PN=C87
 

For more information about living in the Oak Ridge Community, please visit:
http://oakridgewhippany.com/

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.

Take a Video Tour through this luxurious Montville Colonial!

12 Windsor Drive, Montville NJ. Pine Brook Section. 

6 bedrooms | 4.1 bathrooms | 3 car garage

List Price: $1,500,000

Take a Video Tour through this luxurious Colonial which features premium finished and design making this home truly one of a kind!  Nestled on a private lot 12 Windsor offers you a great sense of privacy without lacking any of the modern amenities.  You will fall in love with this home the moment you set your eyes on all it has to offer.  Enjoy the Video Tour!

 
If you would like to find out some more information about this luxurious colonial, please click here!

To schedule an appointment or for more information, please contact us at (973) - 953 - 7777.

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.

Friday, July 24, 2015

New Listing!

 NEW Listing : 2106 Harvest Court, Whippany.

Oak Ridge Townhouse Community

Unit: 2 br | 2.1 ba | 2 car garage | updated | Bright & Open

List Price: $449,000



 Beautiful updated Townhouse in a great location, welcoming foyer with hardwood floors.
Dramatic 2 - story living room with tons of natural light, highlighting the wood floors throughout the unit.  The dining room opens to the living area for
easy entertaining.






Lovely eat-in kitchen boasts granite counter tops, stainless steel appliances, ceramic tile floors, lots of counter and cabinet space, skylight, ceiling fan, and a sunny breakfast nook with sliders to the deck.





To view the full listing info for this property, please visit:
http://www.morris-homes.com/vtour/Pics.asp?PN=C87




For more information about living in the Oak Ridge Community, please visit:
http://oakridgewhippany.com/















National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.



Friday, July 17, 2015

MORE OWNERS FALL INTO AN EQUITY SWEET SPOT.

As home prices continue to rise, home owners equity is also growing at the fastest quarterly rate since 2013 according to a NAR Economics blog.  This is just one of many factors that is driving our Real Estate market, aside from lower mortgage rates as well as reforms to the loans themselves.
 
HOME PRICES 

In May, the median home price reached $228,700 according to NAR. This was an increase of 4.6% from April and was up 7.9% from May 2014.


HOME SALES
 

Homes sold at a seasonally adjusted annual rate of 5.35 million homes in May, this was up 5% from April's figures and up 9% from the same month of the previous year.

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.

Friday, July 10, 2015

The 8 Most Financially Savvy Home Improvements You Can Make

When it comes to home improvement, some dollars stretch more than others. And if you’re on a limited budget, it becomes even more important to spend those dollars wisely.
Here are eight affordable (under $5,000) home improvement projects that’ll help you enjoy your home more today and provide excellent financial return in the future.

1.  Add the Finishing Touch of Molding
Decorative molding is a classic touch that’s been around since the ancient Greeks and Romans first installed it to add grandeur to their buildings.  Centuries later, molding is still one of the most dramatic ways to dress up a room. It’s a budget-friendly improvement that trims a room for a finished and expensive look.
And at $1.50 per foot if you DIY it, or $8 per foot if you hire, it’s a no-brainer in terms of personalizing your home while adding value. (Although we don’t recommend DIY unless you’ve got above-par mitering skills.)

2.  Install Quality Ceiling Fans
Over the years, ceiling fans have become quite the crowd pleaser. Once they were just a cheap solution to rising energy costs — ugly, wobbly, noisy eyesores endured because they were cheaper than air conditioning.
Ceiling fans should hang 7 to 8 feet above the floor. If you’ve got a low ceiling, buy a hugger ceiling fan that’s flush-mounted.
Choose quality. You’ll get better cooling results, less noise, and good looks at a digestible price point of $200 to $600.

3.  Plant Some Trees
A mature tree could be worth between $1,000 to $10,000, says the Council of Tree and Landscape Appraisers. A 16-inch silver maple could be worth $2,562, according to a formula worked out by the Purdue University Cooperative Extension Service.

4.  Install a Patio
Patios are a great cost-effective way to increase your home’s living space without actually adding on. Plus you’ll recover 30% to 60% of your investment. A $2,000 patio would return around $900 at resale.

5.  Pump Up Your Home Security
In reality, price varies. You can buy and install it yourself for $50 to $300, or a security company can sell and install a system from $0 to $1,500. The “zero” is the hook companies use to lure you into signing a multi-year monitoring contract that ranges from $95 to $480 per year.
If a monitored system suits your needs, you’ll also get a break on your home insurance. Most companies will discount your annual rate 15% to 20% if you have a security service.

6.  Do Almost Any Energy-Efficient Upgrade
The value of energy-efficient houses just keeps going up and up. A UCLA study examined the sales prices of 1.6 million California homes from 2007 to 2012 and found that homes with Energy Star, LEED, or GreenPoint certification had, on average, a 9% higher price.
That finding is echoed in NAHB’s report that surveyed homebuyers across the nation: Nine out of 10 potential buyers would select an efficient home with lower utility bills over a less efficient home priced 2% to 3% less.

7.  Add Some Creative Storage
We don’t have to sell you on the value of storage and built-in organization. Since when have you heard someone complain about too much storage? Never, we bet.
Adding storage is a no-brainer, but it does take a little brainpower to find your home’s hidden storage.

8.  Light Up the Outdoors
Exterior lighting makes your home shine in the evening, accents features you like most about your house, and helps keep burglars away. A hard-wired lighting fixture can cost $150 to $250 to install. On the plus side, you could get a 50% return on your investment, says Judith Patriski, a Cleveland appraiser and REALTOR®. Installing motion-detecting lights can even lower some homeowners’ insurance premiums.

National award-winners and seasoned Realtors with over many years of experience in Northern & Central New Jersey, Rahul & Smitha and their team have become New Jersey’s “Go To” agents and consistent leaders with a reputation for tenaciously protecting their clients’ interests. They specialize in Morris, Somerset, Essex, Union and Passaic counties.