Montclair, Upper Montclair, Glen Ridge and West Orange real estate, luxury properties and unique homes for sale in New Jersey - Roberta Baldwin, REALTOR® Roberta Baldwin REALTOR(r) for real estate, luxury properties and unique homes, in Montclair, Upper Montclair, Glen Ridge and West Orange New Jersey real estate - NUMBER1EXPERT™ Roberta Baldwin NUMBER1EXPERT(tm) for real estate, luxury properties and unique homes, in Montclair, Upper Montclair, Glen Ridge and West Orange New Jersey real estate
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Real Estate Dictionary: Montclair, Upper Montclair, Glen Ridge and West Orange New Jersey home buying, real estate listings, and homes for sale in Essex                          County, NJ
Welcome > Resources > Real Estate Dictionary - A

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

N

National Association of Realtors (NAR)

A real estate trade organization that sets the standards for integrity and honesty within the real estate profession nationwide

Negative amortization

A gradual increase in the balance of a loan or mortgage which occurs because the monthly payments made are too small to cover the entire principal and interest charges; this shortfall amount is added to the remaining balance, resulting in negative amortization

Net listing

The advertisement of the price of property for sale in terms of the net price the seller will receive, once the property is sold, a type of listing which is illegal in many states

Net worth

The total value of all of an individual's assets, minus all liabilities or debts

No cash-out refinance

A transaction for refinancing a mortgage in which the new mortgage amount is limited to the sum total of the remaining balance of the first mortgage, points, closing costs, whatever is required to satisfy any liens that are more than one year old and other funds for the borrower's use (as long as the amount is one percent or less of the principal amount of the new mortgage)

Notary

An individual authorized by law to certify documents and signatures

Note

A legal document that obligates a borrower to repay a loan or owed sum of money at a stated interest rate over a designated period of time

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Roberta Baldwin, REALTOR®, real estate agent and broker for Montclair, Upper Montclair, Glen Ridge and West Orange New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Roberta Plutzik Baldwin
RE/MAX Village Square

516 Valley Road
Upper Montclair
New Jersey 07043
Office: 973-509-2222 x 104
Cell: 973-420-9043
Fax: 973-509-7779
robertabaldwin@verizon.net
RPBPhoenix@aol.com

Over the past decade plus, Roberta Baldwin has become one of Essex County's most respected real estate professionals, often quoted in the national media and, in 2007, a featured Realtor on the HGTV show "Bought & Sold". In 2007, The Baldwin Dream Team was a Top 3 RE/MAX team statewide, dollar volume. In 2006 & 2007, The Baldwin Dream Team ranked among the Top 2 producers in RE/MAX Village Square's 5-office network in Essex County, NJ and nationally at the coveted Chairman's Club service level. A recipient of the New Jersey Association of Realtors® Circle of Excellence Sales Award for the past 11 years, Roberta brings a myriad of talents to the job of helping her clients buy and sell homes. In 2003, she was named "Realtor of the Year" by the West Essex Board of Realtors. An award-winning former journalist, author, newspaper editor, marketing and publishing executive, her well-honed organizational, creative, and people skills are brought to bear on every deal she negotiates. She specializes in “staging homes” to give them a marketplace edge and, a such, has been the subject of feature articles in the New York Times, Star Ledger and other area newspapers. As past chair of the West Essex Board of Realtors’ Community Service Committee, she developed Library in a Box, an innovative, award-winning community literacy project bringing new children’s books to area daycare centers and also launched the now-annual "Just Sweaters" campaign for the WEBOR, spearheading the collection of warm garments for charity. A native of Rochester, NY, Roberta is Essex County, NJ's only top real estate producer who has also produced an off-Broadway musical, called (appropriately enough) “Suburb”. As the official biographer of singer Lionel Richie, in late 2004 she appeared as a 'talking head' on E!Entertainment's bio of the Richie family. Roberta is married to biographer and historian Neil Baldwin (please visit him at www.neilbaldwinbooks.com!) They have two grown children -- Allegra, a young executive in the fashion industry, and Nick, a member of The Baldwin Dream Team -- who grew up happily in Montclair and Glen Ridge after spending their earliest years in Brooklyn Heights, NY. In early 2004, Roberta welcomed longtime Montclair resident Tamima Friedman to her real estate team. You may access Tamima and the rest of the team's bios on the "About Me" tab, in the "My Associates Page" at the top of this website's Home Page. Tamima, a former freelance writer and home renovator, spent a decade in the Far East before relocating to Montclair, NJ. The Baldwin Team grew again in 2005, as Nancy S. Chu came to us with a wonderful combination of administrative acumen and creative talent. Nancy was an administrator at NYU Medical Center and a highly-regarded NY theater director prior to joining RE/MAX. She speaks Mandarin Chinese. In 2007, Sidney Simon relocated from Atlanta to join the team after a career career in human resources; Nick Baldwin segued from his personal training business to cover our rental and condo buyers, and Sam Anderson, a well-known local Realtor, became our transaction coordinator and investment and multi-family specialist. The team welcomes buyers from the world over to email or call them to discuss living in Essex County's beautiful towns; local residents are invited to experience the professionalism of The Baldwin Dream Team when they are ready to sell their homes. We are at your service!

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