07514 : Questions & Answers

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Maria Gilda…, Real Estate Pro in 06040
Maria Gilda Racelis answered:
i have a 633 credit score can i get a fha loan
You are too close to the credit score FHA requires.

Consult a local loan officer to help you in the process.

Best of Luck.
0 votes Share Flag Sat Sep 28, 2013 Home Buying in 07502
Armin Lusiny…, Real Estate Pro in Short Hills, NJ
Armin Lusinyants answered:
Any suggestions for where to look at property? We need to find property with low property taxes, but also within a half hour drive of East Hanover.
Hi Robin,
Check out Cedar Knolls, Whippany, Parsippany, Denville, Dover all have relatively law taxes.

Best of luck,
Armin Lusinyants
E-mail: alusinyants@gmail.com
Cell: 917-6 ... more
0 votes Share Flag Mon Apr 8, 2013 Home Buying in Paterson
Diane Glander, Real Estate Pro in Spring Lake, NJ
Diane Glander answered:
Live in Brick and the taxes are killing us. Do not want to move any further south would like to stay at least 45 min of this area...any suggestions.?
Where you can go will depend on how much you want to spend.
Pt. Pleasant borough has a lower tax rate as do many towns in South Monmouth County. It will all depend on how much you c ... more
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Paterson
Mercure Volt, Real Estate Pro in 07003
Mercure Volt answered:
has the land lot of 36 mountain ave. been purchased yet?
Hi Kzupp,

It was withdrawn from the GSMLS on June 20, 2012. I don't think it has sold, it was
not under contract at the time.

if you are interested I can try to find out more in ... more
0 votes Share Flag Wed Feb 13, 2013 Home Buying in Paterson
Laquita Baez, Real Estate Pro in New Jersey
Laquita Baez answered:
I would love to buy a 2 family home, but my credit ratings aren't high enough. I don't owe any money it's just that I don't have much credit history.
Delia, speak with a mortgage professional that can discuss your financials with you to see if
you may qualify for a home loan. If you don't qualify now then the lender can best advise ... more
0 votes Share Flag Thu May 23, 2013 Home Buying in 07502
James P. Ryan…, Real Estate Pro in Washington, DC
James P. Ryan, Jr answered:
Looking for 1 single family house with 4bed, 2bath within $300,000. Please someone help me out. Thanks.
Simply use the Trulia search engine and find the homes listed in the zip codes you desire.

Regards, Jim
0 votes Share Flag Wed Jul 25, 2012 Home Buying in Paterson
Swao, Home Owner in Paterson, NJ
Swao answered:
I live in this area and this is NOT a high crime area. Trulia does not properly represent the different parts of this city!
I agree. This is a low crime area with nicely kept homes and feels more like suburb than city
0 votes Share Flag Mon Dec 31, 2012 In My Neighborhood in 07502
Elizabeth Ga…, Real Estate Pro in Elmwood Park, NJ
Elizabeth Garcia answered:
I want to buy a multi family home below 200k but I don't want to put my tenants in the worst area. How I now in what ZipCodes to buy?
There are several areas in Paterson that are disireable including Lakeview Section, Hill Crest, Peoples Park, River Side. Hawthorne, Elmwood Park are also disireable towns close to Pat ... more
0 votes Share Flag Tue Apr 10, 2012 Home Buying in Paterson
Alex Kushnir, Real Estate Pro in Monmouth County, NJ
Alex Kushnir answered:
Very interested in looking to possibly buying a home but length of employment is not enough. Does that pla a big factor?
It only a factor in getting a mortgage, not buying a house. Speak to your banker or mortgage professional regarding financing options.
0 votes Share Flag Wed Mar 14, 2012 Home Buying in Paterson
Christopher…, Real Estate Pro in 10591
Christopher Pagli - ABR, GREEN answered:
who is responsiblefor removal of termites?
Hi, Typically the seller should remediate the problem since banks won't fund a loan if there are active termites. I would approach the seller and point out it's going to be a ... more
0 votes Share Flag Fri Apr 6, 2012 Home Buying in 07514
Gina Chirico, Real Estate Pro in 07004
Gina Chirico answered:
Will my home insurance be higher if termites are found on inspection?
Joyce,

If termites are found during the inspection, the bank (your mortgage company) will require that they be remediated. Usually a certification from an exterminator or proof of e ... more
0 votes Share Flag Sun Nov 20, 2011 Home Insurance in 07514
Deborah Madey, Real Estate Pro in Red Bank, NJ
Deborah Madey answered:
what county in NJ has the cheapest property taxes?
Taxes are determined by each municipality, not at the county level. There can be two towns very nearby with different tax bases

The suggestion that I have for you is to define the ... more
0 votes Share Flag Sat Oct 1, 2011 Home Buying in Paterson
203k Contrac…, Real Estate Pro in Phoenix, AZ
203k Contractor Program answered:
I'M LOOKING FOR CONTRACTORS WHO ARE EXPERIENCED WORKING WITH 203K LOANS IN PASSAIC COUNTY, NJ . CAN ANYONE MAKE ANY RECOMMENDATIONS?
The national database/directory of Certified 203k Contractors is located at http://203kContractors.com

There you can find the 203k Contractors for your FHA 203k Loan
0 votes Share Flag Thu Sep 8, 2011 Remodel & Renovate in Paterson
Marc Paolella…, Real Estate Pro in Succasunna, NJ
Marc Paolella, Relo Director answered:
Where can I find average days om Market for a given city or zip code?
Hi E E,
It's only available through the MLS, so just give me a zip or city and I'll be happy to run it and post it or send it to you privately.

Good luck!

-Marc

Marc ... more
0 votes Share Flag Thu Feb 24, 2011 Market Conditions in 07503
Kathleen Dav…, Real Estate Pro in Highland Lakes, NJ
Kathleen Davis answered:
The property tax assessments seem much higher than what the houses sell for. How overvalued are these houses in this neighborhood?
The tax assessments are old and most houses can be challenged and have the taxes lowered. The assessment is in no way representative of the actual value of the houses.
Kathleen Davis
... more
0 votes Share Flag Sun Feb 6, 2011 In My Neighborhood in 07504
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
how to conact an agent?
Hong,
On top of the page is a section called "Find a Pro." Click on that; specify the area you are looking for. There will be several agents to choose from. You can click ... more
0 votes Share Flag Tue Feb 1, 2011 Foreclosure in Paterson
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Purchased Paterson condo at height of market, 2007. Property has depreciated tremendously since. How long till the value returns to the 2007 range?
Unfortunately the question can't be answered with accuracy, as none of us really knows where the market will head tomorrow or down the road, what we all know is today.
0 votes Share Flag Tue Feb 1, 2011 Market Conditions in Paterson
Tammy Hayes, Real Estate Pro in Port Charlotte, FL
Tammy Hayes answered:
How long does the average short sale take to complete?
In our area, Sarasota and Charlotte County, FL it is taking about 3-4 months to close on a short sale.

Tammy Hayes, Sandals Realty, Punta Gorda, FL
0 votes Share Flag Sun Oct 24, 2010 Market Conditions in Paterson
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
dose this area get under water in rain.
If you are concerned about flooding, see link---
http://www.fema.gov/hazard/map/index.shtm#flood
0 votes Share Flag Wed Oct 20, 2010 Home Buying in Paterson
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
how do I get info on the foreclosures?
Not sure which foreclosures are of interest nor where they were seen--however, If you are looking at a RealtyTrac listing(s), keep in mind that some of the information is inaccurate and ... more
0 votes Share Flag Tue Feb 1, 2011 Home Buying in 07502
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