07504 : Questions & Answers

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Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
First time homebuyers tax credit
It's part of your taxes. So if you're expecting some of that back, you file your federal taxes, the tax credit is applied, and any part that's not used to pay the taxes i ... more
0 votes Share Flag Mon Mar 15, 2010 Home Buying in 07502
TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY, CDPE, SRES answered:
I am interested in buying a condo where the asking price is $189,900. My apprasial came in at $156,000. The condo is fully renovated and is 892 sq
If you had the property appraised and it came in at $156,000 I would not pursue it at $189,900. I recommend you have your real estate agent negotiate the price based on the appraised v ... more
0 votes Share Flag Thu Feb 18, 2010 Home Buying in 07514
Peter J Roge…, Real Estate Pro in 07481
Peter J Rogers answered:
Interested in rehab homes, need help.
Most of the homes you are talking about have been foreclosed and are listed on the multiple listing service so the realtor you choose to work with can watch out for you and select those ... more
0 votes Share Flag Fri Feb 5, 2010 Home Buying in Paterson
Angie Perez, Real Estate Pro in South Brunswick, NJ
Angie Perez answered:
My contract does have a mortage contigency clause. However I have tried several time asking my attorney what the cancellation fees are for and have
Connie, when you say cancellation fee, are you asking about your attorney's fee or your deposit? If you have the mortgage contingency clause, your attorney sedns a letter to other ... more
0 votes Share Flag Thu Sep 17, 2009 Home Buying in 07514
John Sacktig, Real Estate Pro in East Brunswick, NJ
John Sacktig answered:
What is a cancellation fee? Is there such thing in the state of NJ? I'm in contract to buy a house however i was
What did your attorney say what this fee for? Who is the receipient of the fee?

I would think there is a mortgage contingency clause which lets you out of the contract if you can no ... more
0 votes Share Flag Wed Sep 16, 2009 Home Buying in 07514
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
I change lenders because my first lender had given me a $13,000 GFE for a $197,000 house. I felt that I was
Difficult to state when you say lender many non professional misuse that term.

Is that a mortgage broker who orginates your loan? If so they work thru venue of national banks, and ... more
0 votes Share Flag Mon Jul 27, 2009 Home Buying in 07514
Peter J Roge…, Real Estate Pro in 07481
Peter J Rogers answered:
I'm in contract to buy a home, however it has been very difficult to get a fha loan. They have so many
Some of what you say is difficlut to understand. Why did you change lenders? If you did then the new lender has to start from scratch so it follows the closing date will have to be put ... more
0 votes Share Flag Tue Jul 28, 2009 Home Buying in 07514
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
Did you know that you can buy a rehab home and finance the repairs?
Yes I did. Michael Quaranta at Prosperity Mortgage handles them all the time.

3.5% FHA style loan and can finance up to 110% of the after repair value

Michael Quaranta
Prosperit ... more
0 votes Share Flag Thu Jul 23, 2009 Home Buying in Paterson
Shirley Weems, Real Estate Pro in Melbourne, FL
Shirley Weems answered:
how long after bankruptcy can you apply for a morgage gor a home?
Do not let anyone give you an answer to this because the truth is that the lender can make the rules as they go along. So this year it may not affect you or drop off in 7 years but nex ... more
0 votes Share Flag Wed Sep 16, 2009 Home Buying in Paterson
Jack Vollenb…, Real Estate Pro in Flemington, NJ
Jack Vollenberg answered:
WHAT NUMBER DO I CALL TO BE INTERESTED IN A BANK OWN PROPERTY ON EAST 42 STREET IN PATERSON NEW JERSEY?
Hi Frances,

E-mail or call me and I can help you with the research.

Sincerely,

Jacobus "Jack" Vollenberg
RE Appraiser - Vollenberg Appraisers
Asset Manager - ERA Statewide ... more
0 votes Share Flag Wed Nov 4, 2009 Home Buying in Paterson
Jefferson, Home Buyer in Bucks County, PA
Jefferson answered:
I have a 2 part question. 1) When a house is purchased, is it true the property taxes immediately goes up? 2)
That's not a rule of thumb. People can ask whatever they like and often ask too much to start. I'd start with the recent SOLD comps for comparable homes to know what the market will b ... more
0 votes Share Flag Tue Mar 17, 2009 Home Buying in 07502
Jeanne Feeni…, Real Estate Pro in Basking Ridge, NJ
Jeanne Feenick (908) 337-0943 answered:
Is home ownership still part of your American Dream? Yes.
Hi Yvette, yes home ownership is still a part of my American Dream and I hope it can be part of yours as well. It is good that you are focused on improving/cleaning up your credit sco ... more
0 votes Share Flag Wed Jun 24, 2009 Home Buying in 07503
Marc Paolella…, Real Estate Pro in Succasunna, NJ
Marc Paolella, Relo Director answered:
Hi. I work in NYC and we are looking into purchasing townhouse or renovated one family house. We currently
Hi Cathy,

There are some great towns and school districts that I'm sure you are familiar with (Ridgewood, Glen Rock, Ho-Ho-Kus), but your 30 minute limit will preclude them. You real ... more
0 votes Share Flag Sat Jan 10, 2009 Home Buying in 07505
Jack Vollenb…, Real Estate Pro in Flemington, NJ
Jack Vollenberg answered:
Hi, I recently starting looking into homes in Paterson. I am from Brooklyn, NY, and don't mind a little bit
Hi Sarah,

Paterson is a pretty large city with over 150,000 residents and a rich history as one of America's first industrial centers. That said, the Paterson housing market is going ... more
0 votes Share Flag Sun Jun 14, 2009 Home Buying in 07522
Michelle Har…, Real Estate Pro in Dallas, PA
Michelle Harris answered:
The lanlord has not been around for a couple of months to pick up rent and no where to be found. I want to
Can you look them up in the phone book, call and check out what has happened?
You can also call your local county courthouse and see if it's up for sheriff's sale.
0 votes Share Flag Wed Jan 21, 2009 For rent in Paterson
Renee Porsia, Real Estate Pro in Philadelphia, PA
Renee Porsia answered:
I contacted realtor in my area (I live in 07501 area of Paterson) and was told that she could put my house on
Hi Raquel,

Wow! I am so sorry to hear about your situation. I must start off by saying that yes, your Realtor can be right. Unfortunately when you purchased 3 years ago, the marke ... more
0 votes Share Flag Wed Dec 10, 2008 Home Selling in Paterson
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Legal Problems Arising Out of Ownership and Co-ownership of the HouseI would like to sale the house and
If he is on the deed you will need is cooperation to sell. you should seek the advise of a local real estate attorney, perhaps a written letter from an attorney will light a fire under ... more
0 votes Share Flag Sun Nov 2, 2008 Home Selling in Paterson
James Miner…, Real Estate Pro in Westfield, NJ
James Miner Esq. answered:
what does it mean Buyer responsible for C.O. and all certs required.
In NJ it is standard practice for the SELLER to be responsible for obtaining the municipal certifications including the "smoke cert" (smoke detectors, CO2 detectors, fire extinguisher) ... more
0 votes Share Flag Sat Sep 18, 2010 Foreclosure in Paterson
Carmelo Torr…, Real Estate Pro in West Milford, NJ
Carmelo Torres answered:
I saw a yellow cape cod I'm interested in for sale at $274,900 in hillcrest (07502)on this web site two days
Last status on it was under attorney review according to the Garden State MLS, if it was a cape code (MLS #2578309 4BR 2Bths).
0 votes Share Flag Sat Nov 29, 2008 Home Buying in Paterson
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