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  • Sue Adler Team, Keller Williams Realty
  • 518 Millburn Avenue
  • Short HIlls, NJ 07078
  • M: 973.936.9129 (call first)
  • P: 973.250.4825 ext 101
  • F: 480.247.4891
  • E: info (at)
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Meet Sue Adler

Sue Adler has been the #1 Keller Williams agent in NJ for the past nine years, and leads one of the top Keller Williams teams worldwide, with annual production that topped $120 million in 2014.

As an "Outlier" who grew up in the Real Estate business, Sue has proven that it's possible to start over in any market and succeed. She was formerly the...Read More »

Industry News — HUD Announces Changes to FHA Mortgage Insurance

March 26, 2013 by · Leave a Comment 

HUD Mortgage InsuranceFrom time to time, the housing market undergoes changes that may affect my clients.  It’s my responsibility to pass along industry news and keep clients informed.

As of April 1, 2013, annual mortgage insurance premiums for most FHA loans will increase by 10 basis points.  The increase is one of a series of changes to be issued to allow the agency to better manage risk and further strengthen the health of the MMI Fund, the FHA’s Mutual Mortgage Insurance Fund.  The changes also state that the length of time the borrower is required to pay mortgage insurance will be extended if the loan is applied for on or after June 3, 2013.  At that time, borrowers with a Loan to Value (LTV) that begins above 90% will pay mortgage insurance for the life of the loan.

The changes are being made to protect FHA’s single-family insurance programs and to make sure the FHA remains a vital source of affordable mortgage financing for future generations of homebuyers.  Borrowers that have already been preapproved for FHA financing that file their case numbers prior to these changes will not be impacted.  However, buyers in the market now may want to act quickly before the changes take place.  Spring is here and new inventory is cropping up every day.

If you have any questions regarding the HUD changes or other specific financing concerns, please do not hesitate to contact myself or a member of my team.  Whether you are in the market today or in the future, we are always here to lend a hand and continually yours to count on.

Historic Chatham Promises Many Lifestyle Options

March 22, 2013 by · Leave a Comment 

Historic Facts About Chatham

chatham njWhen the great Wisconsin Glacier backed away 20,000 years ago, the amazing Watchung Mountains and Lake Passaic were left behind. The lovely town of Chatham was developed in the place of the ancient lake, at approximately 160 ft below the surface. Chatham developed slowly and during the 20th century, real estate developers purchased the land and started building numerous homes in the area. Today there are a selection of tasteful homes that reflect perfectly the most popular design styles in America from the end of the 19th to the beginning of the 20th century. Chatham has a thriving business district located on the Main Street with many tiny retail centers, amazing garden apartment complexes, as well as several industrial areas found on the outskirts of the town. Chatham is not only a wonderful city, but it is also a festive one because of the multitude of events and celebrations that take place here each year. The most popular ones are the Fishawack Festival, the Fishing Derby at Kelley’s Pond, the Green Fair, and the Fourth of July Parade. There’s a nice Farmer’s Market that operates at the Railroad Station yearly from June to November where shoppers can purchase NJ fresh healthy products, baked goods, fish, meat and plenty of other delicious foods.

The Natural Beauties of Chatham

Residents and visitors have a wonderful time exploring Chatham with its many trails and hiking spots showcasing the natural beauty of the community and relating interesting facts about its history. The nearby areas are absolutely amazing and hiking is a must-do activity. The Trailside Nature and Science Center in the Watchung Reservation should definitely be included on your list.

Chatham also places high standards on its education system and features excellent schools including:

  • Milton Avenue School
  • Washington Avenue School
  • Lafayette School
  • Southern Boulevard School
  • Chatham Middle School
  • Chatham High School

Chatham Homes and Real Estate

Chatham offers a high standard of living for its residents. The community is welcoming and peaceful, a great town for families with children. You will have easy access to some of the best schools in the area, and benefit from plenty of recreational activities and entertainment venues. When it comes to the homes, the selection is varied and you’ll find prices to fit your budget and tastes.

Take a look at this community and see for yourself all it has to offer — contact a member of my team — we’d love to show you around.


Boxcar Bar and Grill is a New Short Hills Hot Spot

January 23, 2013 by · Leave a Comment 

Looking for a new place to dine out? Definitely try out the Boxcar Bar and Grill, located in the historic Short Hills train station. It’s a combination bar, restaurant and train station, all in one place. Boxcar has become a cool neighborhood hang out spot in a period of five months since it first opened its doors and a great venue for private party special occasions. Why is it so popular? For most people, train stations are exciting and indeed attractive to commuters, especially those who have craving tummies and thirsty throats.

Restaurant owners, Jane and Jeff Tauber, certainly did a super job at this Short Hills train-station-by-day, restaurant-by-night locale. They renovated the historic depot, owned by the town, dating back to 1907. Until today, it is a fully functional New Jersey Transit Train Station. The owners decorated the place embracing the train station feel — the waiting area looks a lot like a train waiting room, only with new tables, lanterns, cushions, wooden benches, all with a comfy feel. Before the ticket window closes after lunch, commuters can use the empty tables to rest their laptops and other electronics. Boxbar also has a Wi-Fi connection.

Certain more drastic changes have been made on the separate bar area. They added unique and fun features like the sparkly purple ceiling and a continuous loop of train scenes from different movies, it’s really quite entertaining. The button-tufted banquettes are comfortable areas where one can do some good people watching. The liveliness in the place will surely affect you.

There are many ways to satisfy your hunger at Boxbar in Short Hills. The kitchen is actually where the station’s first class waiting once stood. Some of the food on the menu includes juicy burgers, crispy fries, cheese pizza, fresh salads, pies and yummy desserts. There’s a selection of 13 wines and 24 different beers to choose from. A coffee service gets the early morning commuters up and ready to face their day.

Treat yourself to a fun night out at the Boxcar — 25 Chatham Road — it’s really a welcome new Short Hills spot.  Reservations for parties over 10 are welcome.


Mortgage Relief for Victims of Hurricane Sandy Coming

November 28, 2012 by · Leave a Comment 

shutterstock_117562552Hurricane Sandy had a devastating effect on many families on the East Coast but some relief is on the way.  Our midtown direct and local communities were amongst those hit very hard during the storm and the impact was felt by many of my friends and clients.

Major lenders and government organizations recognize the hardships that many in our communities are facing and are organizing efforts to give those whose homes were damaged by the storm mortgage breaks and other forms of financial aid.

Recently, both Freddie Mac and Fannie Mae informed the company that service their loans that they will be offering assistance to loan borrowers whose homes were damaged or destroyed. The companies are also providing help for individuals who lost income due to the storm. Homeowners with a loan that is backed by Freddie Mac will also have the option of delaying their mortgage payments for as long as one year, according to a Freddie Mac spokesperson. If a homeowner simply gets in touch with Freddie Mac to explain the damage done to their home by the storm, the company can offer a forbearance for as long as 90 days. For assistance that extends longer than three months, the borrower will need to document all losses with photos, insurance claims or bills from the contractor.

For those borrowers who might be unable to make mortgage payments, or if the property has lost value due to storm damage, Fannie Mae will reduce homeowner payments or suspend them for up to three months. This will give homeowners the extra time necessary to further evaluate their specific situations and find additional viable solutions.

These two major mortgage companies are behind about 70% of all home purchases in the U.S., and have also agreed to waive late fees, refrain from reporting late payments to credit bureaus and postpone foreclosures for up to a year. In addition to this assistance, the Department of Housing and Urban Development has authorized a 90-day moratorium on foreclosures for all home loans that are insured by the FHA, or Federal Housing Administration. A number of private home loan lenders, such as Citibank, JPMorgan Chase and Wells Fargo, are also offering Hurricane Sandy victims the option of postponing their payments for up to 90 days.

In addition, the Small Business Administration (SBA) has agreed to provide loans to both renters and homeowners affected by the superstorm. The recipients of this SBA assistance don’t have to be small businesses, and the disaster relief loans of up to $200,000 from the Administration are allotted for the restoration and replacement of damaged real estate.  Homeowners and renters are also able to receive up to $40,000 for the replacement or repair of personal property.

It is estimated that Hurricane Sandy caused up to $50 billion in damage and $20 million in insured losses. Reports indicate that there are more than 893,000 mortgages distributed by Freddie Mac or Fannie Mae in the state of New Jersey alone, and that 10% of those mortgages may be delinquent. Around 212,000 homes have mortgages insured by the FHA, in the areas of the country that have been deemed Hurricane Sandy disaster zones—these homeowners are eligible to receive assistance if their homes were damaged.  Some of these cases are right here at home.

These numbers are overwhelming and our hearts go out to all who are still trying to recover. Should you need any assistance in taking advantage of the relief programs available, please call me or any one of my team members.  We are here to help in any way.




Madison Luxury Homes and Estates – Mid-Town Direct Real Estate

November 9, 2012 by · Leave a Comment 

shutterstock_121624537Madison luxury homes and estates are in abundance in this Morris County, New Jersey, town.  Part of the Newark metro area, Madison has a population of approximately 16,000.  It is located about 25 miles from New York City making it a perfect location for commuters.  Madison is sometimes referred to as “Rose City“, an homage to its early days as the seat of the local rose industry.

Madison Luxury Homes and Estates

If you’re in the market for a luxury home or estate in Madison, you’ll have many options.  Madison is home to a large number of colonial style properties on tree-lined streets that add a sense of affluence to the community.  In addition, Morris County has significantly lower property taxes than homes in neighboring Essex County.

Madison Schools

There are three public elementary schools located in Madison:

  • Kings Road
  • Central Avenue
  • Torey J. Sabatini

The community is served by one middle school, Madison Junior School, and one high school, Madison High School.  Madison public schools are known for their diverse educational programs including clubs and interscholastic sports.

Madison also has one private school, Saint Vincent Martyr Parish.  It is a Catholic parochial school that serves students in grades Pre-K through seven.

There are two universities located in Madison.  Drew University has a student population of about 2,500 and is based on a 186 acre wooded campus.  Fairleigh Dickinson University is an internationally renowned research university with about 2,400 undergraduates.

Madison Transportation and Commuting

NJ Transit provides train service to Madison via Midtown Direct on the Morristown branch of the Morris and Essex Line, and commuters can reach New York Penn Station in about 50 minutes.  Madison is easily accessed by Route 24, Route 287, I-78, the New Jersey Turnpike and the Garden State Parkway.  Other nearby public transportation options are the Ferry, the Lakeland Bus and the Community Coach with service to New York City or Atlantic City.  Newark Liberty International Airport is about 25 minutes away by car.

Madison Attractions

With two universities in town, Madison has an abundance of cultural and recreational attractions.  Some highlights include:

Madison Shopping and Dining

Madison has a charming town center with many tantalizing restaurants.  Some notable eateries include:

Madison features a historic business district that is home to many mom and pop shops selling gifts, clothes, accessories, vintage items and more.  There is also a business district east of the historic district that is home to big box stores and car dealerships.

More Information About Madison

For more information on Madison NJ homes CLICK HERE or call a member of my team.  We’re always here to help!

Bicycle, Bicycle…I want to ride my Bicycle. Ode to Freddie Mercury.

July 14, 2009 by · Leave a Comment 

CY-00010-C~Girl-Trick-Riding-on-Bicycle-PostersWeek 3 of my “Greener Evolution”.

I was stopped at a light at the corner of Morris Tpke. and Millburn Ave. when four teenage girls, say 14 or 15 years old, nearly gave the “MOM”in me a heart attack. Two of the girls dangerously ignored the cross signal and road their bikes across the busy street narrowly avoiding oncoming traffic. The other two waited until it was slightly safer to ride across, but if any of their mothers had been there..OY!

It was a reminder to me, of how tough runners/walkers/bikers have it in parts of our town.Now, that particular intersection is definitely not a good place to bike (Morris Turnpike is infamous for lots of car to car accidents) but this incident begs the question: Where IS there a good place to ride in our downtowns?

In our area the number of residents who are thinking along the same lines seems to be hitting a critical mass. On July 21st a vote on this issue is scheduled at the Millburn Township Committee Meeting. If passed, it will provide bike lanes and safer bike travel around a portion of South Mountain Reservation from Brookside Drive to Ridgewood Road. The project is supposed to include striping along Glen Avenue, road markers with the bicycle symbol, and kiosks with information about the path and signs. In addition to running along Glen Avenue, the path would link to downtown Millburn on Lackawanna Place. Now this is something everyone (especially all of us Greenies) would love to see happen! Read more