Hard Work - Intelligent Negotiating - Saving Your Money! Kelly has 30 years of real estate and mortgage experience. She will always save you money, whether negotiating a short sale, grieving your taxes, finding you a renter, getting downpayment money from the state, securing a great interest for you, or lowering your closing costs. She cares about you more than other realtors and never gives up! Kelly services Essex, Bergen, Hudson, Union, and Ocean Counties.