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Payment Estimator
| Total: | $1,100,000 | 20% Down: | $220,000 | Financing: | $880,000 |
30 Yr Fixed*
7.38 %
(7.39% APR)
$6,081 / month | 15 Yr Fixed*
6.67 %
(6.68% APR)
$7,748 / month | 5/1 ARM*
7.52 %
(7.09% APR)
$6,165 / month |
*Rates for October 2026. Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a home mortgage consultant. Other restrictions may apply. The Rate/APR and other terms may vary from those displayed based on the creditworthiness of the borrower, the type of dwelling, whether the borrower is self-employed, the location of the property and other factors. Please contact a lender in your area to determine what rates you qualify for.
**Rates calculated from national averages. To determine rates in your area please contact your local lender.
About Mary
For Mary Menard, Mountain Lakes isn’t just a market—it’s home. Born and raised in the community, Mary brings a lifetime of local perspective and over 27 years of professional real estate experience to every transaction. This deep-rooted connection to the area allows her to offer insights that go far beyond standard property data, providing her clients with a genuine understanding of the lifestyle and history that make this area so unique.
Mary’s approach is built on a foundation of high-level service and a "client-first" philosophy. Her track record of success is reflected in her consistent accolades, including the New Jersey Realtors® Circle of Excellence Sales Award® at the Platinum level since 2013 and her ranking among the REAL Trends America’s Best Real Estate Professionals. As an Accredited Staging Professional (ASP), Mary also provides the creative eye necessary to position a property effectively, ensuring it resonates with buyers the moment they step through the door.
Real estate often involves seeing the potential in a space, and Mary offers a distinct advantage through her partnership with her husband, Tom Menard of Menard Construction. His professional expertise as a builder serves as a major asset for Mary’s clients, providing a level of insight rarely found in a typical real estate relationship. For buyers considering renovations or additions, or for sellers looking to highlight their home’s expansion potential and address necessary improvements, this collaboration is a game-changer. Mary offers complimentary renovation consultations to help clients visualize possibilities and maximize value, providing seamless access to expert construction advice and invaluable peace of mind.
Throughout her career, Mary has remained dedicated to the idea that real estate is about listening and building lasting relationships. She welcomes the opportunity to share her local expertise and proven marketing strategies to help you achieve your goals with confidence and ease.
Your home is her commitment!