http://www.trulia.com/voices/profile/Real_Estate_Pro-New_York-143714/The latest answers submitted by Susan Chen to questions asked on Trulia Voicesen-ushttp://www.trulia.com/voices/Home_Buying/what_zip_code_is_listing_the_address_is_Eth_st_-72167Answer by Susan Chen: Hello, This property is no longer on the market.Mon, 16 Mar 2009 11:16:47 PDThttp://www.trulia.com/voices/Home_Buying/PLEASE_HELP_Hi_I_need_help_posted_on_fri_that_M-99606Answer by Susan Chen: Hello, If you can find out what company the realtor works for and ask to speak to the Broker of record. And discuss the situation. It maybe to late if contracts were signed. But, it's worth checking out. Hope that helps. If I can be of any help feel free to contact me. Best Regards,Mon, 16 Mar 2009 10:40:24 PDThttp://www.trulia.com/voices/Home_Buying/Appraisal_came_back_lower_than_purchase_price_wha-99559Answer by Susan Chen: You have 3 options: 1.The seller will have to bring down the purchase price. 2.You will have to come up with the short fall 3.You can't purchase the property and you get a letter from your mortgage professional saying you are not approved for the loanMon, 16 Mar 2009 09:25:00 PDThttp://www.trulia.com/voices/Home_Buying/My_partner_and_I_are_looking_for_a_two_bedroom_in_-98052Answer by Susan Chen: I would suggest talking with a great loan professional. There are different programs currently out there like FHA where you have to come up with 3.5% down payment. Then closing cost if you need a great loan professional let me know and I will send you contact info for Dale Biaggi. Hav e wonderful day!Mon, 16 Mar 2009 09:12:29 PDThttp://www.trulia.com/voices/Home_Buying/which_is_a_better_real_state_investment_a_condo_or-99086Answer by Susan Chen: Hi Miller, I have a few questions you said you currently own another home? If you currently own one home and bought it as your primary you may have an issue with buying the next one. The best thing to do is call my mortgage guru Dale Biaggi he works for land home and run the full situation by him and he will beable to guide you on what to do. Also if your credit score is about 580 then you wont have any issues with a mortgage. You could always go FHA, but again speak to Dale. He can be reached at 800-648-2901 or at info@s-a-c-properties.com Good luck!Mon, 16 Mar 2009 09:05:43 PDThttp://www.trulia.com/voices/Financing/I_reside_in_new_york_onw_a_house_which_I_am_having-99077Answer by Susan Chen: Hi Miller, If you have any questions about your mortgage contact my mortgage guy. Dale Biaggi with Land Home at 800-648-2901. He will be able to analize your situation and tell you exactly what your options are. Good LuckMon, 16 Mar 2009 08:58:20 PDThttp://www.trulia.com/voices/Home_Buying/looking_for_recommendations_for_a_real_estate_atto-99263Answer by Susan Chen: HI Tl C, Hopefully I will be able to answer several of your questions: My name is Susan an I'm a Realtor and Broker of S.A.C. Properties. We are a full service real estate firm that specializes in Home Staging. Currently we have an in house lender the company is land home website is www.landhome.info/ The Senior Mortgage Consultants name is Dale Biaggi he can be reached at 800-648-2901. Dale specializes in all types of real estate loan transactions. If there is a program your looking for he will find it. The main branch of land home is in California so we are use to doing business via computers and scanners.. Land home is currently license in 46 states. As far as attorney the person we use is Cassandra Cean her office number is 516-285-2060. She is a wonderful attorney and her staff is very nice to work with. As far as agents I would love to assist you in finding the perfect home for you and your family feel free to contact me on the office line 888-315-8011 or my cell 718-468-6918. Feel free to visit our website at www.searchingnyproperties.com or www.s-a-c-properties.com. If you have any questions feel free to contact me. Have a wonderful day!Mon, 16 Mar 2009 08:46:08 PDThttp://www.trulia.com/voices/Home_Buying/I_live_in_Suffolk_County_NY_and_someone_told_me_t-99539Answer by Susan Chen: Hi, If you contact Dale Biaggi he will be able to answer any questions you may have. He is an excellent mortgage professional and he knows about every program that is currently on the market. You can contact him at 800-648-2901. If you need any help finding properties feel free to contact me. Best Regards,Mon, 16 Mar 2009 08:22:56 PDThttp://www.trulia.com/voices/Home_Buying/Should_my_lawyer_review_my_contract_before_I_sign_-99541Answer by Susan Chen: I would have an attorney review it before you sign. You don't want to sign something you don't understand and have money on the line if you back out later on.Mon, 16 Mar 2009 08:18:42 PDThttp://www.trulia.com/voices/Agent2Agent/removed-22787Answer by Susan Chen: Hi Ellen, Good Luck to you! Try and learn as much as you can. Take classes and try to read and ask tons of questions so you can get better educated on the feild. There are some great agents out there that won't mind giving you guidance.. But in every feild you have some nasty ones that only care about the money and trying to get it anyway they can. I think its all about building relationships also Karma always comes back around. Good Luck! Best Regards,Wed, 20 Feb 2008 15:10:46 PSThttp://www.trulia.com/voices/Curb_Appeal/A_realtor_friend_suggested_we_take_down_our_s_gree-22873Answer by Susan Chen: Hi Dawn, I know everyone has been telling you to strip the wallpaper. There maybe other things that you can do to make it look more pleasant without having to spend the extra money and also all the work involved in removing wallpaper. Depending on how it was installed you may have to skim coat the walls do to the person who installed it may have never prepared the walls to properly install the wallpaper in the first place. Check out the website below. They can always give you advice if you email a picture. Hope that helps you. Best Regards.Wed, 20 Feb 2008 14:44:28 PSThttp://www.trulia.com/voices/Agent2Agent/Im_a_NYC_Broker_who_has_been_contacted_by_a_friend-22902Answer by Susan Chen: Hi Greg, If you contact me and tell me what you need I will pull it for you.Wed, 20 Feb 2008 14:11:58 PSThttp://www.trulia.com/voices/Crime_and_Safety/I_am_looking_at_a_property_a_few_houses_west_of_Rt-22651Answer by Susan Chen: Hi, If you are trying to check out a certain areas you could call the local police station and find out if they have a website to tell you more about the areas in the town. Also you could check on my website I do have a community link where you can check out certain areas. Hope that helps.Mon, 18 Feb 2008 17:22:18 PSThttp://www.trulia.com/voices/Home_Selling/My_father_just_died_my_mother_died_years_ago_an-22686Answer by Susan Chen: Hi Lillian, I'm so sorry to hear about your lost. To answer your question: You didn't mention if the house iscurrently paid off? Also if you currently own a home or do you rent? If the house is currently paid off or even if it has a small note on it. If you rented it out that could bring you in extra income monthly. It now becomes a great investment property that kind of pays for itself and gives you some extra money each month. Not to mention a great tax right off. If it was me I would rent it out and not sell. I would hold on to it. Check out the website national company. If I can be of any assistance just let me know. Best Regards, SusanMon, 18 Feb 2008 17:13:43 PSThttp://www.trulia.com/voices/Agent2Agent/Is_this_usual_I_recently_left_Weichert_Realtors_-22430Answer by Susan Chen: Hi Kathy, When you have a moment please email me or call me so we can chat about your situation. Looking forward to chatting with you. Best Regards, SusanSun, 17 Feb 2008 15:14:38 PSThttp://www.trulia.com/voices/Home_Buying/I_am_a_first_time_homebuyer_looking_to_buy_a_condo-22574Answer by Susan Chen: Hi, If you wanted to have a buyers agent they would look out for your best interest. Also since you are a first time buyer they could also help you with the offer. If I can be of any help let me know. I also work in Queens. Best Regards, SusanSun, 17 Feb 2008 15:04:27 PSThttp://www.trulia.com/voices/Home_Buying/I_am_ready_to_purchase_a_house_in_Michigan_I_am-22573Answer by Susan Chen: Hi, First off I would get any home that I was thinking about buying appraised. If you don't how would you know if your getting a fair deal. I would also have an inspection done. If you are paying cash maybe you could work something out with the seller for them to pay all or some of your closing cost. If your not that lucky closing cost are usually 3% of the asking price. Hope that helps Best Regards, SusanSun, 17 Feb 2008 14:54:30 PSThttp://www.trulia.com/voices/Home_Selling/Is_it_best_to_de_clutter_your_house_before_talking-22568Answer by Susan Chen: Hello, I would have to agree and also go a step futher. Most real estate agents will come to the property and look at your home. At that point they will go off of the condition of your home from that point when they give you an asking price range. They may give you suggestions on what you should do to your home. Most agents will not feel comfortable telling you what you need to do to get top price for your home. That is where a Home Stager comes in. If you are talking about anything more then decluttering I would suggest you look on the Home Staging site (ASP) to find someone in your area that can really pinpoint what you can do to improve your home and get it into showcase condition. Then once the agent comes in to talk to you about price they will not know what the house looked like before the home had it's transformation. Then they will tell you what's a good price you should list your home at. Hope that helps. Best Regards, SusanSun, 17 Feb 2008 14:48:36 PSThttp://www.trulia.com/voices/Home_Buying/I_m_thinking_of_purchasing_a_home_in_Rahway_NJ_-22520Answer by Susan Chen: Hi Jessica, As a Realtor by law we are not allowed to discuss how safe an area may or maynot be. I would suggest you drive by several areas in the town and check out the schools for yourself also you can check out the community link on my website if that helps you. Have a wonderful day. Best Regards, SusanSun, 17 Feb 2008 06:22:06 PSThttp://www.trulia.com/voices/Home_Buying/How_are_schools_in_Colonia_Nj_-22515Answer by Susan Chen: Hi, As a realtor we are not allowed by law to discuss how safe an area may or may not be. You can do several searches yourself to check things out. If you visit my website I have an commununity link. Why would you want to move from sunny AZ? I have a second home in the Casa Grande area.I love the weather in AZ. If your heading for NJ hope your ready to have snow and cold temp. I'm trying to get back out to your warm weather. :) If I can be of any further help to you feel free to contact me. Best Regards, SusanSun, 17 Feb 2008 06:11:21 PSThttp://www.trulia.com/voices/Market_Conditions/How_do_I_find_the_approximate_worth_per_sq_foot_f-20467Answer by Susan Chen: If you can look at the comps in the Neptune area that would help you find out the range. If you need any other help let me know.Thu, 31 Jan 2008 12:58:41 PST