BTW: Ever consider other areas. I grew up in Verona, and it was a terrific town, as was our neighbors in Montclair, howevver, I moved away from the area because of the real estate taxes. We moved to Morris County. Easy NYC access on direct trains, great for families of any size, good schools, and plenty of activities. If you have not been introduced to towns like Morris Plains, Morros Township, Denville, Madison, Chatham, or the surrounding areas, you are doing a disservice to yourselves. If you are interested, I would be happy to assist you.
If not, best of luck in your search.
2. Determine your housing requirements (#of bedrooms / baths, etc);
3. Determine your location requirements (quality of schools, public transportation, parks, diversity, cultural amenities, etc);
4. Keep an eye on the market (different price ranges within the same township can reveal vastly different statistics) - Set up a customized property search on our website to gauge activity in your price range;
5. Make sure your current living situation will be in place until you close on your new home.
I can help with all of these important items (with many online links to resources) and guide you through the buying process when you get a little closer to making your pilgrimage to New Jersey. Welcome!
Christopher Moore, Broker / Owner
20 Church Street, Suite 9
Montclair, NJ 07042
Familiarize yourself with neighborhoods, go on message boards, ask lots of questions. Go to the board of ed web sites to see school tour schedules. Come out to a few opens, drive around a bit, play at some parks, go to dinner, see a show at the Wellmont. If you will be commuting, try taking the train and/ or bus out to see how it goes. Any questions, just ask.
I urge you to please consider the established community of North Caldwell, NJ. Just 17 miles from mid town Manhattan, the township provides exceptional education, recreation, community and saftey. Ranking Top 20 within the state; the Borough of North Caldwell provides Public Pre K to 6th grade schooling with a regional 7th to 12th grade middle/high school which ranked 16 in the state.
Please visit my website http://www.judithamorimdias.com and contact me directly (973-444-5643). There are a number of resident families which work in Manhattan and live in the North Caldwell community. With a number of nearby Midtown direct express buses and trains, local residents attest to the quality, happiness, privacy and comfort in their selection of home in North Caldwell, NJ.
Judith Amorim Dias
NJ Licensed Real Estate Agent
Prudential New Jersey Properties
50 E. Mt. Pleasant Avenue, Livingston, NJ 07039 &
14 Forest Avenue, Caldwell, NJ 07006
The towns you mention in Essex county are different in size and cultural diversity. Montclair offers much in the way of beautiful 19 century homes, great restaurants, 3-4 movies theatres, the Wellmont theater for musical venues and the like, boutique type stores and is serviced by 5 train stations to mid-town. Verona is smaller and more main-street America and the beautiful Verona Park in it's center. Caldwell also has a town center "up the hill" from Verona and much more bucolic than Montclair. Other surrounding towns don't have the town centers that Verona, Caldwell and Montclair have but offer different neighborhoods in very different price ranges.
Perhaps you have educated yourself already on what each town has to offer, picked a good mortgage company to arrange your financing and suitable downpayment. Also, a good real estate agent will give you a tour of each neighborhood and a sampling of homes in each so that you can familiarize yourself with what each offers. That way you can concentrate on the areas you like. Also, it's important not to concentrate on a price of a home but rather the payment on a home you can feel comfortable with. Factors like taxes can change from town to town and alter the payment so be aware of how much the payment will be and not so much the price to see where your value is in a home.
If you haven't yet made a decision, I'll be happy to assist.
Sandra Bolcar, Broker Associate
As Jim Stanton says below, watch your credit now. Get some sound advice by talking to my consultant on credit, Fred S. Happy to connect you. Just ask.
Surf the web on houses- Weichert.com is user friendly and gets high marks for the area. Realtor.com is most visited web site in area and nation. Houses are sorted by rooms, prices, generally. Happy to talk or visit or tour anytime. Just ask. Carl - 973 632 8593 cell.
We look forward to having you here in NJ!
Unwavering Commitment to Service
1) Saving, saving, saving
2) Making sure your credit is in order, and repairing any problems that appear on your credit report. You can get your credit report free online, OR have a qualified mortgage bank/broker run the credit report for you. They can also give you an idea of what your approximate price range will be based on your current finances and even project out a bit based on your anticipated future savings/salary increases etc.
3) Not make any major credit card purchases
4) Not being late on any credit card payments
5) Start doing some research on the areas via the internet.
6) Visit the towns you may be interested in. Drive around, maybe even go to a few open houses on a Sunday afternoon to get an idea of location, price etc.
7) If you will be commuting to NYC for work, try to do the commute to and from to see how it fares up.
8) Speak to a local agent who is familiar with the area. Local agents know their territory very well, and once they know your needs, can recommend towns you may not even have considered.
9) If you need to sell your home, get it on the market before your projected move. Speak to a local agent in NYC too, get get an idea of the time it is taking to sell a home in your area.
10) About 5-6 months before your planned move, start looking at homes. Typically from contract to close takes 60-90 days so you will have time to find a home and close in your desired timeframe.
There are websites you can refer to for some hard data on the schools - for example schoolreports.com. Since I have children in the school system I do also give a lot of school information to my clients and recommend that buyers talk to other parents in town. Often I make those connections for you.
Keller Williams NJ Metro Group
Since home shopping is a very personalized thing, I like to get to know more about individual wants and needs before recommending anything. Please feel free to contact me. http://www.RealTerrific.com or RealTerrific@aol.com to discuss further.
Many buyers as yourself move from NYC to the towns you have mentions especailly Montclair. Before anyone looking to purchase a home there are several steps that must be taken.
1. contact a mortgage rep and find out what is the status of your credit. This will give you enough time to fix any "mistakes" or other blemishes if needed and also will give you an idea of what is your BUYING POWER. Since you will not know what will be the interest rates when you are getting near next spring you should get few quotes of budget including 1-2% higher interest rate (just in case).
2. Take some time to get to know the towns you are interested in. Perhaps take a drive on weekends and see which sections or towns are mostly to your liking. Find out about transportation from each town, schools, social life ets...
3. Interview agents for the position of "buyers agents" so you will be ready to go and will have an ambasador in the area to answer all your local questions.
4. about 5-6 months prior to your projected move, start looking at homes on the market in the towns you have selected and attend open houses or visit homes for sale with your agent.
After that, find your dream home and continue with the process with your agent as your guide.
*** If you need to sell your current home you may as well get going on that one pretty soon too.
Lots of luck to you and your family and welcome to NJ.
As a local Team, it would be our pleasure to assist you in any way. Feel free to reach out to us via our contact information on our profile.
The Sharon and Karen Home Team!
You may also want to start sitting down with a mortgage broker to discuss mortgages, our office provides one for all of our clients. Ask all the pertinant questions that you need to know when your ready to apply for one. I have a buyer's guide that I can send you that can help you through the process if you would like me to send it please email or call me with you contact information.
Purchasing a home is a financial decision and you want to be prepared for it. You are starting in the right place by asking all the right questions. I wish you all the best of luck!! If you have any questions about the buying process or about the towns that you are interested in and the market conditions please feel free to contact me at anytime.
Coldwell Banker Residential Brokerage
736 Valley Rd | Upper Montclair, NJ 07043
O: 973.233.2337 | C: 917.664.0885 | E: firstname.lastname@example.org
All the best,
Keller Williams NJ Metro Group
15 Bloomfield Avvenue
Montclair, NJ 07042
The first question I have for you is: Do you have to sell your place in NYC? If so, you should contact a local realtor and find out the steps to take to sell your place. In today's market it is smart to sell your property first, especially if it the purchase of the next home is contingent on the sale of your current place.
If you are renting and you don't have to sell then it is much easier.
The first thing I would suggest is to contact a mortgage broker or a bank to get a pre-approval. This is important for a couple of reasons. Most realtors will ask you for one before they take you out to look at homes, and this way you know exactly which price range your income yields or you are comfortable with. It is not fun to look at homes outside of your price range and then have unreal expectations if you have to look in a lower range.
After you have a pre-approval I would contact a realtor in the area you are looking into. This way you can come out and visit the area and get an idea of what each town has to offer. A local realtor will have vast knowledge of the towns resources, amenities and most of all home inventories.
I work in Montclair and cover the towns of GlenRidge, Verona, Bloomfield, Maplewood and surrounding towns.
If you like I would be happy to talk with you and answer any questions you may have about the process of looking for a new home. There is time since, you are thinking of next Spring, but there is no harm in getting your research started early.
I can be reached at:
Keller Williams Realty - NJ Metro Group
Please feel free to reach out.
Gilbert Ross Jr
Realty Executives International
277 Fairfield Rd Suite 126
Fairfield, NJ 07004
Since you do not plan on purchasing until next year, I suggest that you begin by viewing properties on-line that are located within the towns that interest you. Try to find out as much about the communities as you can so that when the time comes closer to make your move; you will have a better idea of what neighborhoods you prefer.
Here are a couple of links to the schools in Verona and Montclair:
Hope you find this helpful,
Prudential Connecticut Realty
There are a lot of little things, like neutral paint colors, decluttering, removing personal items, finishing up projects, etc. that you can get started now on.