Lorraine Montalbano Real Estate

Lorraine Montalbano Real Estate CERTIFIED SENIOR HOUSING PROFESSIONAL SERVICING THE 65 PLUS COMMUNITY IN NORTHERN NJ

Seniors Real Estate Specialist
Expert Certified Negotiator
Project Management
Home Prep and Staging/Interior Design
Print, Online, and Social Media Marketing
New Home Construction

Fall is a great time to sell your home! Give me a call and let’s discuss your options!
09/26/2026

Fall is a great time to sell your home! Give me a call and let’s discuss your options!

❓ TRUE OR FALSE: You can be too old to get a mortgage.FALSE! ❌🏡There’s no maximum age for getting a mortgage. In fact, t...
09/25/2026

❓ TRUE OR FALSE: You can be too old to get a mortgage.

FALSE! ❌🏡

There’s no maximum age for getting a mortgage. In fact, the Equal Credit Opportunity Act prohibits lenders from denying credit simply because of your age.

Instead, mortgage qualification is based on factors such as your income, assets, credit history, and debt, not the number of candles on your birthday cake. 🎂

And if you’re retired, Social Security, pensions, retirement account distributions and investment income may all count toward qualification when properly documented.

Thinking about buying a home later in life? Don’t let assumptions stop you from exploring what’s possible. I would love to help you navigate the process and connect you with lending professionals who understand the financial considerations of buying a home in retirement. 🔑

Which sounds less stressful?A: Moving every box into your new home at onceB: Moving the essentials first and bringing th...
09/23/2026

Which sounds less stressful?

A: Moving every box into your new home at once
B: Moving the essentials first and bringing the rest later

For many older adults, a two-phase move makes settling into a smaller home much easier. It provides room to organize, reduces clutter, and gives you time to decide what truly belongs in your new space.

Share your answer below: A or B?

🏡💭 Getting older doesn’t automatically mean it’s time to downsize.For some homeowners, a smaller home makes perfect sens...
09/21/2026

🏡💭 Getting older doesn’t automatically mean it’s time to downsize.

For some homeowners, a smaller home makes perfect sense. Others may want to stay put and renovate for the future, tap into their home equity, or even move into a larger home to create space for children, grandchildren or other family members in a multigenerational household. 👨‍👩‍👧‍👦🏠

The “right” answer isn’t the same for everyone.

Your finances, your home, your lifestyle and what you want your next chapter to look like should all be part of the decision. 💰🔑

Before making a move based on what you think you should do, take time to understand all of your options.

As an SRES® designee, I’ve helped dozens of homeowners over 55 navigate their choices and figure out which move makes the most sense for their individual situation. If you’re starting to wonder what comes next, I’d be happy to help you explore the possibilities.

If you had the choice, where and how would you want to spend your final days?Most people say they would prefer to be at ...
09/16/2026

If you had the choice, where and how would you want to spend your final days?

Most people say they would prefer to be at home, surrounded by family and close friends. Yet many of us never take the time to discuss, document, or organize those wishes.

On September 22, our Empowered Senior Living panel will help start these deeply important conversations.

Get Empowered: Living, Dying and Leaving a Legacy will explore how to plan ahead, protect your choices, help your family understand your wishes, and create a legacy that reflects what matters most to you.

Who in your life should be part of this conversation? Invite them to join you.
📅 Tuesday, September 22 at 1:00 PM
📍 Paramus Public Library

Call now to register! Lunch will be served! 201-374-0597

🏡 Downsizing does not mean giving up everything you love.It means choosing the belongings that will support your lifesty...
09/15/2026

🏡 Downsizing does not mean giving up everything you love.

It means choosing the belongings that will support your lifestyle and bring comfort and meaning to your next chapter.

Once your furniture and everyday essentials are in place, you can thoughtfully add family photographs, artwork, books, keepsakes, and other personal treasures.
If you could bring only three meaningful items to your next home, what would they be?

One of the biggest mistakes seniors and families make when planning a move?Waiting too long to start the conversation.Ma...
09/10/2026

One of the biggest mistakes seniors and families make when planning a move?
Waiting too long to start the conversation.

Many people assume they should call an agent only once they’re ready to put the house on the market. But when it comes to downsizing, relocating, or planning for the future, the best time to start is often months — or even a year or more — before a move.

Why? Because later-in-life moves often involve much more than just selling a house.

They can include:
📦 Decluttering and downsizing years of belongings
🏡 Deciding whether to age in place or move
💰 Understanding today’s market and your home equity
👨‍👩‍👧 Navigating family conversations and planning
🛠 Preparing the home for sale over time
📍 Exploring retirement communities or housing options
📑 Coordinating finances, timelines, or estate considerations

And here’s the important part: reaching out to an agent does not mean you’re committing to move tomorrow.

One of the most valuable things an SRES® can provide is early guidance, trusted resources, and a plan that helps you move forward at your own pace — without pressure.

If a move may be in your future, let’s start the conversation now so you have the time, information, and support to make the right decision for you and your family.

Most of us carefully plan for the major events in our lives—but how many of us plan for how we want to live through our ...
09/09/2026

Most of us carefully plan for the major events in our lives—but how many of us plan for how we want to live through our final chapter?

Join us on Tuesday, September 22 at 1:00 PM for:

Get Empowered: Living, Dying and Leaving a Legacy

During this important 60-minute panel discussion, expert panelists will share what you need to know to make thoughtful decisions about your care, communicate your wishes, and leave a meaningful legacy on your own terms.

Make the commitment to attend—and bring a loved one or friend. One conversation today could make an enormous difference tomorrow.

📍 Paramus Public Library
📅 Tuesday, September 22
⏰ 1:00 PM

Call now to register! Lunch will be served! 201-374-0597

📦 Does the thought of moving make you wonder, “Where do I even begin?”Try a two-phase move:1️⃣ Move the essentials first...
09/08/2026

📦 Does the thought of moving make you wonder, “Where do I even begin?”

Try a two-phase move:

1️⃣ Move the essentials first—furniture, clothing, toiletries, kitchen items, electronics, medications, and pet supplies.

2️⃣ Bring in the decorative and nonessential items after you are comfortably settled.

This simple approach can make your move feel much more organized and manageable.

What would be the first thing you would unpack in your new home?

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Ridgewood, NJ
07451

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