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Home Buying in 08854 : Real Estate Advice

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  • Local Info13
  • Home Buying37
  • Home Selling13
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Activity 35
Mon Jan 8, 2018
Klowe1realtor answered:
The Survey is for the buyers protection/information. It shows the buyer exactly what they are purchasing. In NJ a survey can only be done by a licensed surveyor. The survey will show you the property boundaries, structures, any easements, set backs and potential encroachments. If you are getting a mortgage a lender will more than likely require you to get a survey. They want to know exactly what they are lending on. It is true some lenders will allow you to ask a seller for a copy of their survey (must be one with a raised seal no older then 10 years) and for the seller to sign an Affidavit of no change stating that their has been no change on the property. This action shifts a liability to the seller and can put them at risk. And you are then relying on the accuracy and honesty of the seller. Also title insurance may only cover older surveys as of the date of the survey. Anything that happened after that date may be not be covered as it is deemed an exception that the buyer accepted.

Surveyors also prepare a new written “meets and bounds” description of the location of the property. This description attaches to the deed, The deed is the key document that transfers title from the seller to the buyer. Don't you want to know what you are buying?

One last thing, If you intend to make improvements to the home, fence, pool additions etc. NJ towns will most likely require you to have a survey.

This is just informational and in no way considered legal advice. You should always seek legal advice from an attorney.

Kristina Lowe
Realtor - Howell NJ
COLDWELL BANKER
732-367-1300
... more
0 votes 10 answers Share Flag
Sat May 13, 2017
Rony asked:
Our closing was not scheduled by bank due to survey showing dormers on a Cape Cod. Seller claims that's how she bought the house
Please advise
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Tue Dec 15, 2015
Yasmeen Memon answered:
Society hill is a great area to live, especially with regards to the schools. The majority of the people are married and have families. Super safe. Near Rutgers so expect a lot of graduate students and their family members. ... more
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Fri Jul 31, 2015
Belindadurgana asked:
My husband and I currently rent an apartment in Piscataway and are looking for houses. We are researching different areas in NJ that offer a decent commute to NYC (an hour or under driving…
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Tue Feb 3, 2015
Vishal Maher Cell 732-277-9321 answered:
Hi,

Was wondering If you bought a townhome in piscataway or somerset?
0 votes 8 answers Share Flag
Fri Jun 27, 2014
New York Home Buyer answered:
Is there an update on this case or similar cases?

My builder of a new construction ignored important filing requirements with the city even long after i pointed them out - hoping I get scared of the increasing rates and get out of contract due to delays. They even asked me to get out a few times. After almost two years of being in contract the builder says they have the CO now and want me to pay up more for additional expenses they incurred due to city building regulations changes.
In November 2013 the builders attorney signed an addendum to the contract which would reduce the price of the house for each day of delay after the end of 2013. I thought of not pressing for it since I think the builder is also losing out money by waiting. Now as the prices are going up the seller's agent is saying that the seller/builder will walk out of closing if they don't get more money for their construction expenses (not agreed to before) at closing. Anyone knows a good attorney who dealt a similar case?

chitidio@gmail.com
... more
0 votes 9 answers Share Flag
Fri Dec 6, 2013
Moretti Team answered:
Dear Spatel2025,
I believe, we have answered this question previously. However, if the answer did not make it to you..........With regard to your questions regarding NY transportation to and from Piscataway, NJ, there are multiple train stations available from that area, Edison, Metuchen, Metro Park, Dunellen and New Brunswick. In addition, you can go on line to NJ transit to find out about bus schedules as well. With regard to Piscataway High School and information about the town itself, we always suggest our customers go on-line. The information provided includes everything from the school report of the town as well as crime statistics, etc. In the event you have difficultty obtaining that information, please reach out to us at (908) 912-5298, we will gladly give you various websites our current customers utilize. In the event we are on the phone, please leave a voice mail and we will return your call promptly. ... more
0 votes 7 answers Share Flag
Fri Nov 22, 2013
Vishal Maher Cell 732-277-9321 answered:
Kavita,

It all depends on where are they posted ?

Let us know more and we can help.

Vishal.
0 votes 3 answers Share Flag
Mon Nov 18, 2013
Vishal Maher Cell 732-277-9321 answered:
Hi,

You really need to find out Types of liens? Also, the dollar amount of all combined liens and financially If it makes sense to go ahead, you should move ahead or stop.

Vishal.
0 votes 9 answers Share Flag
Thu Oct 24, 2013
Moretti Team answered:
Dear John,
Buying a short sale can be a very lengthy experience. Some of the things that can slow down the short sale process are: 1)if the listing Realtor is not familar with short sales, the process will be very lengthy as banks are very specific about their requirements and time frames. 2)the current seller must cooperate in order for the short sale to continue to move forward. If the seller does not cooperate in a timely manner, the listing Realtor may have to start the process over numerous times. Hope this helps.........if nothing else it will afford you the opportunity to ask your Realtor the questions posed in this post. We wish you all the best. Feel free to reach us at (908) 912-5298. In the event we are on the phone, please leave a voice mail and we will return your call promptly. ... more
0 votes 7 answers Share Flag
Thu Oct 24, 2013
Moretti Team answered:
In general, depending on the financing requiement, you may or may not need a survey report. However, it may be in your best interet to obtain same, as the title insurance coveage may vary depending on whether or not you obtained a survey. ... more
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Fri Oct 11, 2013
Acmoulia answered:
Thank you everyone for the wise answers. I did find a place and it is a single family home. Thanks.

Chanti.
0 votes 10 answers Share Flag
Fri Aug 23, 2013
Timothy Maxwell answered:
Are you still in need of assistance with the home buying process? Did you find the answer to your question regarding the homes on Marcel Lane?
0 votes 1 answer Share Flag
Sat May 18, 2013
answered:
Any lender listed under the FHA's list of lenders has properly adhered to their guidelines for lenders.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
0 votes 3 answers Share Flag
Sat May 18, 2013
answered:
I am curious why you started at looking at homes without being pre-qualified or knowing if you could get a loan for that amount? You should have sat down with a mortgage banker first, to be sure you can get qualified. Then your banker will give you an up to amount that you can start shopping for. Not only that your banker will give you an estimate of closing costs, and other fees associated with purchasing a home.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
0 votes 8 answers Share Flag
Sat May 18, 2013
answered:
Am I the only one who realized this was written more than 2 years ago? I hope he has resolved this issue.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
1 vote 21 answers Share Flag
Sat May 18, 2013
answered:
At one point in time there should have been a survey done, and the sellers should have it, or even the sellers prior to them. I agree that the sellers should have given this to their agent upon listing the property. Where I live there are large parcels and all agents have a copy of the survey in their file for it is always requested to confirm acreage, fencing, etc.

Your agent shouldn't be irritated with you, and you should flat out tell him or her that he or she should know better! Especially if this isn't their first rodeo with a large parcel.

Put your foot down and have the sellers agent produce the survey.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
0 votes 2 answers Share Flag
Sat May 18, 2013
answered:
You will need to look up the County (ies) that correspond to that property (ies) and see if they have a DPAP program. Best of luck.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
0 votes 2 answers Share Flag
Sat May 18, 2013
answered:
Unfortunately you need to contact a real estate attorney they really won't charge much and will probably take their cut from your deposit. I do hope you have a professional on your side the next time you sign an agreement.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
0 votes 7 answers Share Flag
Sat May 18, 2013
answered:
Is any of this affecting your property or property line?

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Retired Mortgage Banker
http://www.everlastingcredit.com
... more
0 votes 5 answers Share Flag
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