Home Buying in 07042 : Advice

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Jean Leon Ma…, Real Estate Pro in Camelback East, Phoe...
Jean Leon Magnotto answered:
what if you have no down payment money or closing costs. Is there a way around this issue?
Some great answers here. I would agree that USDA and VA are the options that closest describe what you are looking for, if those work for you. There are also some down payment assistanc ... more
0 votes Share Flag Wed Jul 9, 2014 Home Buying in 07042
Carl Witzig, Real Estate Pro in Montclair, NJ
Carl Witzig answered:
Where can I look for forclosed proprties for Montclair, Vernona, West Orange.....Nj
So Melly, bring us up to date. What did you do? Did you meet with a realtor and make a buying plan? What was your experience? Tell us how you did.
0 votes Share Flag Mon Nov 18, 2013 Home Buying in 07042
Carl Witzig, Real Estate Pro in Montclair, NJ
Carl Witzig answered:
Looking for an fha approved condo in bergen county
I find the FHA list of approved complexes is sparce. Lately, energetic loan agents are asking the HOA to complete a current application which the management company charges a fee for. S ... more
0 votes Share Flag Fri Aug 9, 2013 Home Buying in 07042
Lee Gallman, Real Estate Pro in New Jersey
Lee Gallman answered:
Where is the best place to get a FHA NJ? Live in Montclair looking in surrounding areas, montclair, west orange, west Caldwell etc.
FHA is a great loan but you should consider call of your options. FHA will carry higher PMI than conventional loans and you may be able to qualify for the 3% down Fannie97. Call me if y ... more
0 votes Share Flag Wed Jul 17, 2013 Home Buying in 07042
Allen McCloud, Real Estate Pro in Montclair, NJ
Allen McCloud answered:
Looking for a Short Sale/Foreclosure or CDPE who services Montclair, NJ and the surrounding areas.
Hello Dawn,
I can assist you with that task I work in Montclair and I do have my CDPE designation. If you are interested please give me a call and we can discuss your needs and option ... more
0 votes Share Flag Mon Feb 4, 2013 Home Buying in 07042
Elizabeth (B…, Real Estate Pro in Montclair, NJ
Elizabeth (Betsy) Ceccio answered:
I'm a first time home buyer searching for a mortgage lender in the essex/union county area specializing in fha 203k/EEM combo loans. Any?
I actually did one of these 203k construction loans myself about 10 years ago when restoring an older home. They are a lot of work, but can really make things possible. It's a great i ... more
0 votes Share Flag Fri Dec 21, 2012 Home Buying in 07042
Carl Witzig, Real Estate Pro in Montclair, NJ
Carl Witzig answered:
How do we go about purchasing a forclosure property? Do we still use a Realtor? If the property is owned by a bank, will the process be the same?
Monique,
The bank owned props are listed with a broker who uses an MLS to maximize exposure and get as many offers as possible. Use any agent who will give good service, (not easy some ... more
0 votes Share Flag Sun May 15, 2011 Foreclosure in 07042
Cristie Berg, Real Estate Pro in Orem, UT
Cristie Berg answered:
what is the difference between an real estate agent and broker?
It really does depend on which state that you are talking about. In Utah an agent completes 90 hours of classes and a broker completes 150 hours and has minimum experience requirements ... more
0 votes Share Flag Fri Feb 11, 2011 Foreclosure in 07042
Cristie Berg, Real Estate Pro in Orem, UT
Cristie Berg answered:
Looking to put a bid on a luxury home that was forclosed after 15 months on the market. The bank has owned
The answers provided provide good counsel. I would like to answer your question from a little different angle because I think you were asking how to make your offer more appealing with ... more
0 votes Share Flag Fri Feb 11, 2011 Foreclosure in 07042
Martha Hines…, Real Estate Pro in Montclair, NJ
Martha Hines Kolko answered:
closing on a 203k loan tomorrow for a property in montclair nj (was suppose to be "closing" since May) today i was told our $900 quote for
I use John Wilkens of the Robert Wilkens Insurance Agency. John@wilkensagency.com or 201-343-1741. Good luck!
0 votes Share Flag Sat Aug 7, 2010 Home Insurance in 07042
Carl Witzig, Real Estate Pro in Montclair, NJ
Carl Witzig answered:
place back up offer realtor said bank did not sign What does it means?
Could you write a complete sentence please? Looks like your question was cut off, as it starts with the word place, not capitalized. Should there be a comma after "offer"? A p ... more
0 votes Share Flag Sun May 9, 2010 Foreclosure in 07042
Carl Witzig, Real Estate Pro in Montclair, NJ
Carl Witzig answered:
What are the procedures in new jersey after a sheriff sale?
And before the 10 day redemption period, the bank usually buys the house for what is owed on it, technically the foreclosure and passing of title to the bank. Why do you ask, prey tell?
0 votes Share Flag Sat Jan 16, 2010 Foreclosure in 07042
Bev Meaux of…, Real Estate Pro in Livingston, NJ
Bev Meaux of Bev and Bob Homes answered:
how do you include the first time home buyers credit in the mortgage?
Hi J,

Talk to a mortgage rep from a reputable lender for the best guidance.
0 votes Share Flag Mon Sep 14, 2009 Home Buying in 07042
Harrison K.…, Real Estate Pro in Newport Beach, CA
Harrison K. Long answered:
Is a backup offer on a foreclosed (bank owned) property worthwhile?
Some people will say it's a waste of time to place a backup offer on a home that is under contract and in escrow. That depends. If you have a solid down payment of at least twent ... more
0 votes Share Flag Fri Aug 21, 2009 Foreclosure in 07042
Neera Sharma, Real Estate Pro in 08836
Neera Sharma answered:
I am in desperate need of a home. My problem is i can afford to pay a mortgage god knows I pay enough in
Hi Nicole,
You need to talk to a loan officer who based on all the information credit etc. will run some numbers and give you an estimate. I can give you contact information of a loan ... more
0 votes Share Flag Thu Apr 23, 2009 Home Buying in 07042
Jeffrey David…, Real Estate Pro in Morris County, NJ
Jeffrey David Halpern answered:
who decid the price of the offer? can my agent say" it's too low, the seller would feel ofended?
It is an interesting situation you are in but one that a lot of buyers are in and do not even realize it. Relying too much on the opinion of others. I have found that many agents love ... more
1 vote Share Flag Sat Mar 14, 2009 Home Buying in 07042
Rosalinda, Home Buyer in Kerany
Rosalinda answered:
first buyer
Thank you all of you for the answers. Those were very helpful. I didn't sign any agreement with my agent. I already have a bank pre- aproval . I might have to look for another agent, sh ... more
0 votes Share Flag Sun Jan 25, 2009 Home Buying in 07042
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