No. Technically a co-op apartment is not real estate. You own shares of stock in a limited housing corporation that gives you a proprietary lease to live in a specific unit. You are the owner of stock - not real estate even though you can sell your unit on the open market.
Lenders can only use real estate where the owner has a title or deed to the property. You should sell the co-op first, then buy a home in Westchester.... more
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Northern New Jersey has exactly what you need. Take the GW Bridge and stay in the local lane. Follow signs for Route 4. Look at all the towns north of Route 4 - Englewood, River Edge, Paramus, Fair Lawn, Bergenfield, Oradell, Glen Rock, Saddle River - up to the New York State border (Rockland County).
If you're closer to the Lincoln or Holland Tunnel, take either one and follow signs for 95 North to I-80 West, then Garden State Parkway North. Once on the Garden State Parkway, get off at any of the exits before the New York State border and drive around the areas.... more
There are several MLS systems in New York City, however the most widely used one is REBNY (Real Estate Board of New York). Another item you need to know about is Zillow and Trulia are national real estate websites and don't really cater to New York City. There is a similar website - www.streeteasy.com that lists all properties for sale and rent in New York City only. Realtors in NYC use this website mostly.... more
The listing clearly states to contact Aldo Belony Jr. who is the Listing Agent for this property. It is not a fraud. Mr. Belony Jr. is in charge of fixing any mistakes since he represents the seller. This is not Trulia's fault. If Mr. Belony Jr. is lazy and letting mistakes stay active, then he is not representing the seller's best interests. He signed a contract with the seller to get the home sold for the best terms and price. Yes, there are plenty of realtors in New York who don't know what they're doing and/or lazy to fix any mistakes on their listings.
Obviously you caught one of them. You can use this to your advantage. If I were you, I would negotiate and state that since the realtor is too lazy to fix their mistakes, you are entitled to a lower asking price because you're smarter than the agent is.... more
Technically you can borrow from your 401K to buy a home. The HUGE question is whether it's te right decision for you and your family. You need to discuss the following with your spouse/partner:
1.If you withdraw the money, you will owe penalty & taxes on the amount withdrawn. The penalty applies if you're under 59.5 yrs. old.
2. How long will it take you to replace the amount withdrawn to get your 401K back up to the amount it has now? You can use online calculators or speak to your HR representative.
4. Plan for some life emergency where either you need to withdraw more money or you can't contribute to your 401K. Example: job loss, medical crisis, another child, etc.
5. If the home you plan to buy will have a higher monthly cost than what you have now, will you need to change your contribution amount to a lower percentage? If yes, then it will take longer to bring your 401K back up to what it is now.
6. If you develop some health crisis later in life and forced to retire early, will you have enough cash in your 401K to pay for your monthly bills?
Hoipefully this scenario helps with your decision.... more
If you are buying in NYC- the advice will vary widely from buying anywhere else in the country- so please take any of the suggestions with this in mind. If you are buying a condo- the advice below aligns well. If you are buying a co-op (which represents the vast majority of the housing stock available for purchase), then it is a different story. When buying a co-op and needing a mortgage you need 2 sets of approvals- approval for the loan from the bank and approval from the co-op board. Don't move any money into your account without understanding the nature of co-op's first. Many don't want to see large transfers into your account right before purchase. You would want the gift letter from your in-laws, with proof of funds available to show the co-op board. Otherwise, you risk raising eyebrows from the co-op board if they think you are playing games to afford the apartment.... more
Has your building hired a structural engineer to review the roof? Many flat roofs are not designed to routinely accommodate the weight of decking materials as well as people. If it isn't designed to accommodate the additional weight and stress- the roof would need to be re-enforced, and in this case would be an easy situation to insert your concerns. Having a roof deck also requires additional accommodates that a non-walkable flat roof doesn't have- i..e. railings have to be a specific height to eliminate risk of people fallling, etc. Also, is your building insured properly for a roof deck? These are important points to bring up to your fellow board members. If you have a managing agent (and many HDFC's do not), then they have likely raised these issues as well- which could slow the process down.
Whether your building is structurally ready for a roof deck or not- you should definitely voice your concerns to the board and perhaps they already have a remediation plan in place to minimize the impact on your family.
A roof deck is a very expensive project and could increase the costs to the shareholders significantly, which isn't exactly consistent with the HDFC model. Maintaining a roof deck can also be an expensive proposition as well. I have been a President in a market rate condo (a no frills building) and we toyed with the idea of adding a roof deck with garden- ultimately we nixed the idea because of costs up front as well as continued maintenance.... more
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As a life long NYC area resident & former realtor, I hate to bring bad news but you have several challenges:
1. Apartment buildings in the NYC area are not pet friendly. Very few rental buildings allow pets because the additional pet insurance for landlords is very expensive and landlords refuse to pay for it. Therefore, it's much easier and cheaper for landlords to put up "No Pets" signs than pay for pet insurance. What you can do is pay for your own pet insurance and get a Good Canine certificate to show landlords.
2. Depending on the community, a 2 bedroom 2 bath rental ranges from $2,500. - $5,000./month. The average is $3 - 4,000./month. There are very few rentals with 2 bedrooms & 2 baths. The majority are 2 bedrooms, 1 bathroom or 3 bedrooms, 1 - 2 bathrooms. Most rentals either have parking on site or parking within a short walking distance. Either way, parking is an additional fee - it's never free. Also do not expect any amenities. Only the luxury rental buildings have amenities and a 2 bedroom 1 bath = $4,000./month.
3. As for communities - if you are renting, pay attention to the commuter railroad stops. Many rental buildings are within a short walk to the commuter railroad. The railroad lines - PATH, MetroNorth, Long Island Railroad & Passaic Hudson. Look at the express stops & local stops & check out rental buildings along the stops. This is what the management companies use to advertise - the convenience of the walk to the train station. In most cases it's a 30 min. Or less train ride to Manhattan.
4. One tip/advice - I sincerely hope your income is at least $150,000./year. Below $150,000. means you will barely survive. You won't have anything extra to enjoy life - just enough to pay your bills. Above $150,000. Means you will have money left after your bills to enjoy life.... more
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