Tenafly, Closter, Demarest, Cresskill, Haworth, and Englewood Cliffs real estate and homes for sale in New Jersey - Tami's Team, REALTORS® Tami's Team REALTORS(r) for Tenafly, Closter, Demarest, Cresskill, Haworth, and Englewood Cliffs, New Jersey real estate - NUMBER1EXPERTS™ Tami's Team NUMBER1EXPERTS(tm) for Tenafly, Closter, Demarest, Cresskill, Haworth, and Englewood Cliffs, New Jersey real estate
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Perched atop the cliffs of the Palisades and marked by opulent houses set on large tracts, Alpine typically attracts educated and successful professionals. Despite its proximity to New York City, its idyllic setting gives Alpine the atmosphere of a mountain hamlet, rather than a suburb in a bustling metropolitan county.Alpine's municipal government does not provide a lot of services for its wealthy citizens. It doesn't have its own library or high school, and it relies on neighboring Cresskill for many recreation program. Instead, the Borough Council strives to keep the tax rate low, and succeeds: Although the median house in Alpine is valued at more than $500,000, the average household pays only $4,501 in property taxes. Still, the borough lavishes money on its one elementary school, spending $11,915 per student. After grade 8, students attend Tenafly High School. Nor does it scrimp on security, maintaining a police force of 13 for its tiny population of less than 2,000.
Alpine also maintains tight control over development. Industry has long been restricted. More than half of the borough's acres are in conservation areas or parks and will stay forever wild. The rest of Alpine's 6.4 square miles is dotted with homes on one and two acre lots.Privacy is apparently a big issue for Alpine residents, who would rather pick up their mail at the post office than have it delivered to their property. This tradition has, in turn, created a de facto town center through which nearly everyone passes on a daily basis, and which serves as a local forum for residents to greet one another and discuss politics and community issues.

Alpine is not exclusively for the wealthy. People of middle-class means live in the Old Alpine neighborhood of smaller wood-frame houses.

 

The Alpine School has a student-teacher ratio of 17 to 1, and French and Spanish are taught three times a week beginning in kindergarten and continuing through grade 5. Computers are also introduced in kindergarten. Advanced courses enable many teens to enter high school above grade level, and weekly progress reports in each of the major subjects keep parents apprised of their child's progress.

 

 
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School Reports in Tenafly, Closter, Demarest, Cresskill, Haworth, and Englewood Cliffs, New Jersey
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Real Estate Tips
Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

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Real Estate Trivia
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On what famous American street can you find the most expensive retail space for rent anywhere in the world?

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Fifth Avenue, New York City, U.S.A. offers retail space for rent at the rate of $580 per square foot.
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Tami's Team, REALTOR®, real estate agents and broker for Tenafly, Closter, Demarest, Cresskill, Haworth, and Englewood Cliffs New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Tami Rapaport's Team
Coldwell Banker Residential Brokerage

130 Dean Drive
Tenafly, NJ. 07670
Direct Line: 201-227-2045
Cell: 201–665-5558
201-567-7788 ext. 127
Fax: 201-567-3220
Email: Tami@TamiRapaport.com

Tami Rapaport, a President's Premier Agent with Coldwell Banker (top 1% of the highest sales within the company internationally) has been ranked #5 in 2009 out of 3,800 Coldwell Banker agents throughout the entire state of New Jersey.... Tami is the only Realtor in Tenafly to achieve Eastern Bergen Board’s Platinum Level Circle of Excellence Award 8 years in a row (2002 – 2009) Additionally, Tami Rapaport has been named the Tenafly office Salesperson of the Year for 2008.........an honor she has received consistently for the past 9 years.

"Tami's level of commitment is incomparable. The honors she continues to earn are a reflection of her dedication. She knows the market, she listens to her clients and she delivers as they have come to expect her to." Karen Murphy, Coldwell Banker, Tenafly Manager

“To produce so impressively in a changing and always competitive market is a testament to your ability in business and your effectiveness at encouraging trust and enthusiasm among customers. You are a credit to our profession, a prime resource for your clients and a valued member of the NRT family. I thank you for your effort and wish you all the best in future success.” Bruce Ziph, President and CEO, NRT Inc.

“Thank You for following through on all the details throughout the closing! We really appreciate your hard work in getting this deal done!” David Kevorkian, Seller of a Tenafly home

“Thank you for all your efficient services. I appreciate you!” Ann Davis, Landlord of rental home in Haworth

Look for weekly update of homes sold in different towns throughout Bergen County. Join our mailing list and you we will sent you a free list of sold homes. Go to www.SoldHomesReport.com

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