Home Buying in 07666 : Questions & Answers

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Phillip, Home Buyer in Jefferson, GA
Phillip asked:
Is there a lender in Georgia who will do a VA loan with a score under 600? Moved out of an apartment a few years ago and the company who runs it decided they wanted to charge us for carpet replacement. They sent the amount straight to collections and we had no…
0 votes Share Flag Mon Aug 11, 2014 Home Buying in 07666
Ron Shaffery, Real Estate Pro in 08753
Ron Shaffery answered:
Do the rental prices for homes usually include utilities lawn care,etc. Are the prices assuming the homes are furnished?
In New Jersey, mmost annual rentals will have appliances but not furniture.Utilities are put in tenants name and paid by tenant. Now if you are talking about a seasonal rental, like we ... more
0 votes Share Flag Wed Jun 18, 2014 Home Buying in 07666
Liz Santos, Real Estate Pro in Teaneck, NJ
Liz Santos answered:
BK in the past, do we have to wait 10 years to be approve for VA loan?BK was 4 years ago.
Brian is correct -- 2 years is the minimum. that doesn't mean it will be easy, but it's do-able.

I don't lend in California, but i seem to remember you were looking in my area -- NJ ... more
0 votes Share Flag Mon Feb 24, 2014 Home Buying in 07666
Liz Santos, Real Estate Pro in Teaneck, NJ
Liz Santos answered:
lender pulled my credit twice a week apart, from mid 600 down to 593. why ?
email me the reports and i'll take a look for you. i'm sure it's obvious that no one can tell what happened without seeing it.
wondering -- did you ask the lender if he/she sees wha ... more
0 votes Share Flag Wed Feb 19, 2014 Home Buying in 07666
Ann_globenet…, Real Estate Pro in Westminster, CA
Ann_globenetrealty answered:
va home loan credit score under 600 what lender do i go with?
The minimum credit score for a VA Loan is 640. Other requirements include sufficient debt-to-income ratio and Certificate of Eligibility. However, a credit score under 600 does not make ... more
0 votes Share Flag Thu Feb 6, 2014 Home Buying in 07666
Liz Santos, Real Estate Pro in Teaneck, NJ
Liz Santos answered:
my credit score isnt the best its below a 600 and trying to find a va lender bc im getting outof the military
Alex,
We've just opened lower fico lending on VA loans -- down to 580 in certain circumstances. Perhaps I can help you. visit my page http://www.lizsantos.rhfunding.com for my contac ... more
0 votes Share Flag Thu Feb 6, 2014 Home Buying in 07666
Joan Congilo…, Real Estate Pro in Manalapan, NJ
Joan Congilose CRS,CDPE,GRI answered:
What are the approximate cost of converting radiator/steam heating system to central air systems?
The best way to find out an approximate cost on any home you are interested in is to contact a licensed Heating/ Air Conditioning Contractor and get an accurate estimate. It will depen ... more
0 votes Share Flag Mon Oct 7, 2013 Home Buying in 07666
Approved Fun…, Real Estate Pro in Teaneck, NJ
Approved Funding answered:
Hi, in Bergen County what towns have the better property taxes?
Here is the 2012 official General Tax rate breakdown from the State of New Jersey.

Obviously home values are the key driver once you take these rates into account.

As mentioned b ... more
0 votes Share Flag Wed Sep 11, 2013 Home Buying in 07666
Travis Waller, Real Estate Pro in Englewood Cliffs, NJ
Travis Waller answered:
I am most interested to know about the quality of the schools in teaneck as i have 6 yrs old who just started to go to school
They have a fantastic Charter School in Teaneck that I'm familiar with. I'm an advocate for Charter Schools and their emphasis on education. I'm also the a Board member at the Englewood ... more
0 votes Share Flag Fri Aug 23, 2013 Home Buying in 07666
mommyjojo71, Home Buyer in Yorktown Heights, NY
mommyjojo71 answered:
How sound is oil tank insurance, the property I'm interested in has inground tank that I'm getting tested for?
I am a buyer looking to purchase a home with an active buried tank. Seller has insurance on tank and insurance is transferable. I am being told that in NYS, the seller is not required t ... more
0 votes Share Flag Fri Oct 19, 2012 Home Buying in 07666
Travis Waller, Real Estate Pro in Englewood Cliffs, NJ
Travis Waller answered:
How do I get more info about a house in Teaneck?
I cover Teaneck, Hackensack, Englewood, Englewood Clifffs, and Leonia.
0 votes Share Flag Fri Oct 19, 2012 Home Buying in 07666
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Can I include closing cost in to the loan amount if I am going through FHA with 3.5% down?
Good morning Jainesh Patel,

The FHA program allows a Seller to pay up to 6% of the Purchaser's closing costs in a purchase transaction. So, yes, your Realtor can negotiate with the ... more
0 votes Share Flag Wed Oct 17, 2012 Home Buying in 07666
Jane Grant, Real Estate Pro in Temecula, CA
Jane Grant answered:
Do I have to give my real estate agent a copy of my mortgage committment letter?
Sheldon: I am going to answer your question with a question. If you were selling a home wouldn't you want to know if a potential buyer were qualified?

If you want to be taken ... more
0 votes Share Flag Tue Oct 5, 2010 Home Buying in 07666
Michael Jaco…, Other/Just Looking in San Jose, CA
Michael Jacobs Loan Officer answered:
CAN CLOSING COST BE INCLUDED IN CLOSEING COST?
Closing costs on an FHA loan can be included in the loan. Most of the answers are pretty vauge so I will try to explain in depth but short. Closing costs can always be included in the l ... more
0 votes Share Flag Sun May 9, 2010 Home Buying in 07666
Gina Chirico, Real Estate Pro in Fairfield, NJ
Gina Chirico answered:
I want to become a first home buyer but I don't know what to do. My credit is not the greatest and my husband has no credit.
Ronda,

I really rather not reiterate what all the other responses have been but nobody can draw a conclusion as to your true financial situation, including credit scores, etc. until ... more
0 votes Share Flag Tue Feb 9, 2010 Home Buying in 07666
Wa Macdonald, Other/Just Looking in Pittsburgh, PA
Wa Macdonald answered:
Can closing costs be included in FHA loan?
HUD/FHA does not provide for financed closing costs other than the FHA funding fee, however, you can accomplish this with a seller assist (concession). You can see an example on the web ... more
0 votes Share Flag Fri Jan 8, 2010 Home Buying in 07666
Andrea Gizzo, Real Estate Pro in Tenafly, NJ
Andrea Gizzo answered:
I am trying to find what was the selling price of homes in 2007 on the 400 block of Birch St in Teaneck New Jersey
Here is the home that sold on Birch Street with some additional information.

http://www.priv.njmls.xmlsweb.com/R.asp?C=8803365&D=11/18/2009&T=05:40&email=andrea.gizzo@gma ... more
0 votes Share Flag Wed Nov 18, 2009 Home Buying in 07666
Dianna Ivanov, Real Estate Pro in Ridgewood, NJ
Dianna Ivanov answered:
How difficult is it to purchase a short sale that has two mortgages to satisfy, will banks risk foreclosure?
The answer is yes , absolutely you can accomplish a short sale with a property that has two mortgages. I do it every day. The key to any deals success and/or failure is most often deter ... more
0 votes Share Flag Sat Nov 7, 2009 Home Buying in 07666
M A Qamar, Home Seller in Teaneck, NJ
M A Qamar answered:
How much the price in Hartwell street in Teaneck?
price varies haouse to house - do you have a specific house ?
0 votes Share Flag Fri Jul 17, 2009 Home Buying in 07666
William Leigh…, Real Estate Pro in New Jersey
William Leigh Holt answered:
Is a down payment separate from closing cost? If so, how much should you have for closing on a 200,000.
Claribel:

A down payment is just that, an early payment toward the purchase. Mortgage companies want to see the borrower "participate" in the loan. The down payment assures them t ... more
1 vote Share Flag Wed Jun 24, 2009 Home Buying in 07666
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