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Binali Patel

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I bring 17 years of experience of selling real estate full time. Call me for profitable results: at 908-522-9444 or 973-715-3535 (Mobile)

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Testimonials
"You won't go wrong - pick Binali"
"With Binali you get what you dream of: a real focus on your needs & a thorough understanding of the market and the localities"
Jayesh Gopalji, Short Hills - BoA
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Testimonials
Welcome > Agent Info > Testimonials ...

Read What People Are Saying About Me 

I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me... 

"Always gave us honest opinions"
"We sold the house in a week for 10% more than the highest price we ever imagined possible."

James Ooi, Short Hills - Credit Suisse
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"Binali is the epitome of a great realtor"
"She communicates with her customers clearly and respectfully."

Krishna Veerareddy, Short Hills
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"Exceptional!"
"Binali is an exceptional realtor!"

Caroline Yu, Short Hills
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"Expert at navigating tricky situations"
"You really can’t go wrong with Binali. She knows this business better than anyone else."

Mahesh Sinkar, Short Hills - Credit Suisse
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"In a league of her own"
"She is a true professional who knows her business inside out."

Michael Frank, Short Hills
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"Integrity to look after my interests"
"If we were to move again we would definitely choose Binali."

Sarbari Banerjee-Rothe, Short Hills
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"Strongly recommended!"
"She is an exceptional real estate professional"

Aditya Reddy, Livingston
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"The most talented person in the industry!"
"She went beyond our expectations"

Tom Tahl, New Vernon
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"You won't go wrong - pick Binali"
"With Binali you get what you dream of: a real focus on your needs & a thorough understanding of the market and the localities"

Jayesh Gopalji, Short Hills - BoA
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A treasure!
We have no hesitation in recommending her as the first and only choice in realtors!

Shilpa Kulkarni, Livingston - Deutsche Bank
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Achieving the best terms
"Binali aimed to close the deal on the best possible terms for her client"

Alex Rudin, Millburn
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Simply the best!
"She is the best negotiator, in any field that I have ever encountered."

Sanjay Balan, Short Hills
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School Reports in Short Hills, Millburn, Livingston and Summit, New Jersey
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Real Estate Tips
Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Real Estate Trivia
Q 
Who is "Freddie Mac", and why is he a big name in real estate?

A 
"Freddie Mac" is the nickname for FHLMC, the Federal Home Loan Mortgage Corporation, which buys mortgages from lending agencies, thus allowing lenders to continually replenish funds for new mortgage loans.
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Binali Patel, REALTOR®, real estate agent and broker for Short Hills, Millburn, Livingston and Summit, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Binali Patel
RE/MAX Achievers
315 Springfield Avenue
Summit, NJ 07901
Mobile: 973-715-3535
Office: 908-522-9444
Fax: 973-376-0404
binalipatel@number1expert.com

As a buyer agent, my goal is to help you find a home that best meets with your needs and at BEST PRICE & terms. "I take the real estate needs of my clients extremely seriously -after all it is the biggest personal financial decision they entrust me with"

RE/MAX Achievers

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