Welcome! We are happy to share information on the Shore communities of Monmouth and Ocean Counties.  Getting in and moving up in an exclusive market takes more than good timing. It takes more effort and experience. More patience and trust. More inside information and immediate action. That's the promise kept by Donna Fahy-Waters and Linda Romano, a dynamic team of real estate professionals in Monmouth and Ocean counties. Combining full time energy and non-stop service, they give clients the benefit of two top producers with the knowledge and knack for making things happen. All the time!
With a background in finance and marketing, Donna balances technical brilliance with pure passion. Always on the job and in the know, she has earned a reputation for finding out first and acting fast-the advantage clients' need in a market where opportunities come and go in an instant.
Linda has a background in business and marketing and longevity in the real estate business has taught her how to service clients in both appreciating and depreciating markets. With a reputation for excellent marketing expertise she knows how to capture today's savvy buyers and and has the technological know how to capture Internet experienced buyers.
Beyond their professional backgrounds they have the business acumen to know there is something more than investment instinct that brings people to Spring Lake, Sea Girt, and all the shore communities in Monmouth and Ocean Counties. They share their clients' love of the homes, the communities and the endless charms of these quaint havens. Success -- ranking among the top one percent of all agents internationally- proves that nothing markets a home more effectively than heart, and nothing empowers a dream more than believing.
When your dreams are put in motion, put the power of excellence on your side, Donna Fahy-Waters and Linda Romano. Expect The Best!
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Financing Your Home >Your Mortgage
Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.
More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!
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| Q |
What are the world's most valuable chairs?
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| A |
A pair of Chippendale chairs designed by Robert Adam sold in 1997 at Christie's, London to an anonymous buyer for $2,762,330. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
