Home Buying in 07002 : Advice

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Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
lender found error on my tax return and they want to amend it, i'll take 8-12 weeks.
Report the lender to your state regulatory agency.

First--I'm not a CPA and I haven't seen your tax returns--it's entirely possible that your taxes were correctly done. Check with wh ... more
0 votes Share Flag Fri Apr 25, 2014 Home Buying in 07002
Paul F.Marzo…, Real Estate Pro in Hackensack, NJ
Paul F.Marzolla (201) 957-6768 answered:
Can I be approved for a mortgage with a very poor credit score of around 620 ? I can provide a large down payment of over 20 % and have no bills.
A score of 620 will allow for the most mortgage options ( for both conventional and government/FHA financing) and I can go as low as a 550 FICO so you're in the clear. Your down payment ... more
0 votes Share Flag Wed Apr 9, 2014 Home Buying in 07002
American Env…, Other/Just Looking in Ramsey, NJ
American Environmental Service answered:
Does a real estate agent have to disclose black mold?
The realtor should be responsible to disclose evidence of Mold, Asbestos, Lead paint, etc. Once these and other items such as open construction permits and in-ground oil tanks are found ... more
0 votes Share Flag Thu Nov 14, 2013 Home Buying in 07002
Paul F.Marzo…, Real Estate Pro in Hackensack, NJ
Paul F.Marzolla (201) 957-6768 answered:
Can I be approved for Mortgage Loan with 1 Yearly Income tax and 620 credit score?
A 620 credit score qualifies you for both a Conventional and FHA mortgage. The income and assets give us some room to work, and a 5% down payment would be acceptable. Fortunately, there ... more
0 votes Share Flag Wed Nov 13, 2013 Home Buying in 07002
Alex Greer, Real Estate Pro in California
Alex Greer answered:
Can I be approved for Mortgage Loan with Low Income tax and 650 credit score?
We can certainly help you out. You can check us out at www.TheMortgageOutlet.com and give us a call. One of our loan officers will look at your situation and present you with some optio ... more
0 votes Share Flag Thu Jul 11, 2013 Home Buying in 07002
David Gottli…, Real Estate Pro in Hackensack, NJ
David Gottlieb answered:
Can I be approved for Mortgage Loan with Low Income tax and 620 credit score?
Hey Elias,

Been in the industry for 10+ years. Feel free to contact me to get an actual approval, not a pre-qualification. Hope you enjoy the holiday weekend!

-David

www.rem ... more
0 votes Share Flag Fri Jul 5, 2013 Home Buying in 07002
Amos Elroy, Real Estate Pro in Hoboken, NJ
Amos Elroy answered:
Is there a way to work around a "cash only" sale.?
Commonly if it is a cash only deal there would be one of two main reason, in my experience, cash requirement is seldom just a preference on behalf of the seller.

It could be a Coop/ ... more
0 votes Share Flag Sat May 18, 2013 Home Buying in 07002
bayonnenj1, Home Buyer in Bayonne, NJ
bayonnenj1 answered:
Where can a first time home buyer find info on REO's ?
Thanks everyone.

I just wanted to make sure the website was authentic.

At the moment we are not sure where to move. We are looking at different areas of northern jersey.

Mainly ... more
0 votes Share Flag Tue Oct 16, 2012 Home Buying in 07002
Alan May, Real Estate Pro in Evanston, IL
Alan May answered:
residential real estate commissions in the next 5-10 years. Will the commission decrease, increase, will other business models pick up traction?
There are many business models out there, from FSBO's, to minimal-flat-fee-put-you-on-the-MLS models, all the way up to luxury listing models.

There really is no standard commission ... more
0 votes Share Flag Tue Apr 17, 2012 Home Buying in 07002
Joseph S. Co…, Real Estate Pro in New Jersey
Joseph S. Cordova answered:
has anyone had luck closing with the nj smart start program
We do these loans every day! Watch the video below to find out more. Best of luck. Feel free to reach out to me.

Watch this short video to learn more.

http://realestatemarble ... more
0 votes Share Flag Thu Mar 8, 2012 Home Buying in 07002
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
My landlor is selling his house as a short sale to my husband we spoke but dont know where or how to star... What should we do???
First, take the great advice already given and get a real estate attorney.
Second, do NOT give the landlord any money until you see the short sale approval from the bank and, then, onl ... more
0 votes Share Flag Fri Dec 16, 2011 Home Buying in 07002
David Burnham, Real Estate Pro in Washington, DC
David Burnham answered:
Does a real estate agent have to disclose (in unsolicited mailings) that she or he is a realtor when looking to buy pricipal residence for themselves?
Yes, they should disclose and also state where they are licensed even if they are buying is a state they are not licensed in.
0 votes Share Flag Fri May 20, 2011 Home Buying in 07002
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Is there any way to work around CASH ONLY sell?
Getting a loan on a condo is a problem these days as lenders shy away from them. I am guessing that the Realtor knows this or knows it is a tough sale, but there is never a good reason ... more
0 votes Share Flag Fri Jan 14, 2011 Home Buying in 07002
Ron Simone Jr, Real Estate Pro in New Jersey
Ron Simone Jr answered:
In New Jersey does the seller's real estate agent have to disclose to the buyer that she is selling her sister's house?
Marion,

You do not have to disclose to the buyer that you are selling your sister's home and your relationship to her. You only have to disclose that you are or your sister is a ... more
0 votes Share Flag Tue Jul 13, 2010 Home Buying in 07002
Mary Petti-A…, Real Estate Pro in 08820
Mary Petti-ABR,SFR, Relocation answered:
What are the certifications / inspections required in Bayonne NJ before or after moving in.?
Thanks, in my town the fire dep't comes separately from the building dep't.

Regards,

Mary
1 vote Share Flag Mon Dec 14, 2009 Home Buying in 07002
Raquel Sharp…, Real Estate Pro in Hoboken, NJ
Raquel Sharper answered:
i have been intrested in a house that has been under contract for over 10 months. the listing is not under
If this property is under contract you can submit a back up offer if the deal falls apart. If it’s been under contract for that long it’s probably a short sale. Since this ... more
0 votes Share Flag Fri Mar 20, 2009 Home Buying in 07002
Jeanne Feeni…, Real Estate Pro in Basking Ridge, NJ
Jeanne Feenick (908) 337-0943 answered:
Hello, i'm looking to buy a single family home in Bayonee, NJ
Hi there Tuta, what an opportunity you have - inventory levels high, prices low, and interest rates at historically low levels! You bet it is a good time to buy. No one knows if it wi ... more
0 votes Share Flag Thu Feb 5, 2009 Home Buying in 07002
C-Riz, Other/Just Looking in Jersey City, NJ
C-Riz answered:
I am a mother of 3 with excellent credit and average income in NJ, without 10%, can I afford a home?
There's a program that me and several of my friends have used or are using to get 100% financing called NACA. Their website is www.naca.com. They have a pretty rigorous process to pre ... more
0 votes Share Flag Sat Aug 16, 2008 Home Buying in 07002
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