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About Woodcliff Lake
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Woodcliff Lake Clock
The New Woodcliff Lake Train Station Clock
Middle School
"The Original Historic Middle School"

Woodcliff Lake New Jersey Is an upscale community occupying less than 4 square miles of the Pascack Valley area.  The residents enjoy residential dwellings set on properties of no less than 15,000 square feet. Many well known Corporations have made Woodcliff Lake their home.  Names such as Ingersoll Rand, BMW, Hilton Hotel, Perillo Tours  as well as Sony and KPMG.  The borough of Woodcliff Lake offers two large recreational facilities. 

A County Park named Wood Dale occupies 55 acres and has a large pond which doubles as an Ice Skating Rink in the coldest Winter months.  There are also walking paths, children's playground and  tennis courts. The Old Mill Complex and a local Park, contains a large swimming area.  There are lighted tennis courts and full size athletic fields for a variety of sports throughout the town.  Woodcliff Lake Schools are high quality and the children join the Montvale children to attend one of the best High Schools in New Jersey to attend Pascack Hills High School

.  The popular scenic Woodcliff Lake Train station offers the Pascack Valley Train line for commuters. 

Having both been raised in the Pascack Valley area,we both have deep roots and a wealth of background knowledge and information about the Pascack Valley area towns. We are happy to offer you an insider’s view of living in the beautiful Pascack Valley area.Below is a brief snapshot of the town of Woodcliff Lake New Jersey. Feel free to ask us questions about Woodclif Lake New Jersey Homes For Sale by e-mailing us at:HammersTeam@number1expert.com

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Real Estate Tips
Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Real Estate Trivia
Q 
What was the first land designated by the US government as a National Park?

A 
Yellowstone was established "as a public park or pleasuring ground for the benefit and enjoyment of people" in March 1872.
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The HammersTeam, REALTOR®, real estate agents and broker for Hillsdale, River Vale, Westwood and Emerson New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

The HammersTeam
Keller Williams Village Square

257 E. Ridgewood Ave.
Ridgewood, NJ. 07450
Sales Associate Team
Office : 201-445-4300 ext. 356
Lisa's Direct : 201-218-6802
Bob's Direct : 201-315-8618
Email: HammersTeam@NUMBER1EXPERT.com
Bob's Email: B.Hammerstein@KW.com
Lisa's Email: LisaHammersteam@gmail.com

Lifelong Bergen County residents, Bob and Lisa are a down to earth Husband and wife Team dedicated to making your Real Estate dreams a reality. Lisa earned her Certified Residential Specialist credentials - earning a top Producer status during her career. Bob earned his Computer Professional credentials and joined Lisa in Real Estate to form “HammersTeam”. Providing high tech service blended with their first hand knowledge of their Pascack Valley hometowns. “Our high tech approach allows us to stay in close contact with our customers and constantly keeps us on the cutting edge of new marketing techniques for our Seller clients while staying current with the market for our Buyer clients". Bob and Lisa - Your Hometown Winning Team for Bergen County New Jersey Homes For Sale! "Bergen County New Jersey Homes For Sale"

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