Check this link:
This means that the loan product is a 30 year term during which the first 5 years are at the fixed rate you're being quoted. After those first five years (60 months) are up, the loan will convert to an adjustable rate mortgage (ARM) for the remaining 25 years. Each year during that time (that's where the "1" comes from) there will be a rate adjustment based on the index of the loan, plus a fixed margin. Once the loan begins its adjustments it will have rate caps. The first "5" in the "5-2-5" means that the rate can adjust no more than 5% over your start rate. The "2" means that each year from that point, the rate cannot adjust more than 2% (up or down) from the previous rate, and finally, the rate has a lifetime cap of 5% over the start rate.
Hope this helps, but let me know if you need additional information.
YOu posted this question twice so I am answering it here as well.....
This house has information on Trulia BUT only for public record information. (if you search the property you will see on the top just above the photo it says "public record"
It is NOT for sale or currently on the market. If you are interested in homes in Roselle or surrounding areas, I can help you since I have access to ALL CURRENTLY available homes in Union county.
Feel free to give me a call your discuss your needs. 908-675-0167... more
This property is close to both trains and buses to NY. You would be able to walk to the bus, however it would be a short car ride to the train. I service this area. If I can be of any assistance, please don't hesitate to contact me at your convenience to discuss your real estate needs in more detail.
(732) 239-7452... more
You can use the following link to gain some information about the school district in Roselle. It includes rankings and reviews of the school district. You might also want to call the district for more information. If I can be of any assistance, please don't hesitate to contact me.
There are plenty of buses from Linden to New York. In addition, you can always take the train into Newark and get on the path. If you need any help or have additional questions, please feel free to contact me at (732) 239-7452.... more
There are some areas in Roselle that are considered flood zones. Your best bet would be to check the FEMA flood maps to identify a particular area. You can check out this website for more information. www.floodsmart.gov... more
Did you have a specific question about this home? According to the MLS, it is not currently
for sale. Let me know how I can assist.
Licensed Realtor in NJ and GA
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Go back to the property listing and scroll down to the Location Information section. Toggle between tabs to show stats and info on Crime, Local Amenities, etc.
Hope that helps!
-Kim, Community Manager... more
Please call me to schedule an appointment to come to my office to talk about your situation and I will suggest you a person who will help you to improve your credit score. I will look forward to work with you.
CAPY Realty LLC
If yahoo wants to buy it at that price you can! The best thing to do is to get a local Realtor® to give you an opinion of price on your They are good for entertainment value and nothing more.
In the days before Zillow changed their system owner changes were reflected in the public zestimate. I know a couple of people that had a contest to see how high they could get their property value. I line in a 180-200k neighborhood and people were able to get their zestimate to over a million dollars.... more
That is a great question, you really need to find a local agent that can tell you if there are problems in the area or if this particular area is just harder hit by the economy, if this is the case you probably want to take advatage of the prices while they last. Bob... more
Roselle is not my area, but I just had to comment , as I have never seen such a detailed list of requirements from a town!
W. Orange & Roseland do have a list of items they check for, but nothing as intense as Roselle!
Lvingston just checks for smoke and carbon monoxide detectors.......and fire extingushers (all of which are state requiremnts).
It seems like you almost need to have a second home inspection to get the CO there!
IMO - I would not expect leniency for a single family home vs a 2 family home.
I also would not think you could close unless you had the full CO, with nothing temporary or contingent, such as a certificate of "use".
Of course, I will defer to a Roselle agent's opinion.
Hope someone comes along with experience there.
Good luck!... more
Eugene Perotta, he is a real estate attorney in clark and is very good. all my buyers and sellers I refer to him. Always a smooth transaction with Gene.
All Towne Realty