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07002 : Real Estate Advice

  • All56
  • Local Info6
  • Home Buying24
  • Home Selling7
  • Market Conditions1

Activity 49
Sun Jul 30, 2017
Alysse Musgrave answered:
The owner dictates the amount of the security deposit. They can ask for any amount they can pay it, negotiate a lower amount, or decline and move.

Buying a Home? Don't Let Them Make a Monkey Out of You! Follow the link below.

Alysse Musgrave
Consumer Advocate/
Exclusive Buyer Broker

Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You!
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Fri May 12, 2017
Ms Joanne Davis asked:
Fri Jan 13, 2017
Vivian S S answered:
Unfortunately Bayonne have a very corrupt and racist politics and also I believe some folks don't want progress and boycott anyone that try bring it to this town. The law enforcement don't do nothing to help tenants and the landlords specially family houses are also corrupts. It's sad but that's the reality. Be very careful if you intent to rent apartments in family houses. ... more
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Thu Oct 20, 2016
Olga Roginkin answered:
HI Mikeysavo,

I am an agent and I work a lot with investors and buyers in Bayonne, NJ. If you are already working with an agent,you can ask him to help you with the market analysis for this property. Generally speaking, if you developed a good working relationship with an agent, he or she will always be happy to help you estimating your target properties. You can always give me a call, I will be happy to help with the estimated price, and help review the properties currently available on the market.

Olga Roginkin
Keller Williams Village Square Realty
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Thu Oct 6, 2016
Miriam Raide answered:
Hi Jay,

As far as I know, since you submitted an offer with that agent/office, that agent/office is entitled to full payment/commission if you decide to submit another offer on the same house during the 6 months the first offer was issued.

If those 6 months haven't expired yet, I would recommend to set up a meeting with the office's broker, and discuss this issue with him/her, and may be you can get another agent from the same office assigned to work with you.(you shouldn't go through a purchase process with somebody you don't feel comfortable with, and I think you can may it work by talking with the broker)

There is also a chance I may be wrong, just to be sure, you can call to the Board of Realtors and ask them directly, Phone: (201) 867-4415

Good luck

Miriam Raide
Exit Realty Premier
Linden NJ
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Thu Oct 6, 2016
Miriam Raide answered:
As far as I know, all lenders will provide financing for bank owned homes, Fannie Mae or others. However not all those lenders may be able to provide the type of financing that you will need as a buyer to purchase a Fannie Mae home. For instance, if house is not in move condition, you will need a renovation loan, and some lenders may not provide it.
Hope it helps

Miriam Raide
Exit Realty Premier
Linden, NJ
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Tue Apr 19, 2016
Deanjamesu asked:

This is my property, I for some reason cannot remove my phone number from the listing. I have tried…
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Mon Apr 18, 2016
Deanjamesu asked:
It is not listed as one of my rental listings, but it is visible to the public.. how can I fix this issue
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Fri Jun 5, 2015
katpriore answered:
Sun Jan 4, 2015
USMortgageRanger answered:
Yes it will depending on what you are required to pay in taxes, if you are not paying in cash but setting up a payment plan it will have to be counted as part of your debt to income ratio. Not to mention it is considered a Red Flag with the Lender if you change your return not once but more than once just to get a mortgage.

I recognize that you are very busy, so I am only asking you to spend 6 minutes with me to discuss your needs so we can determine if we can be of service to you. After answering just a few simple non-credit related questions (I do not need to pull your credit report in advance) I will be able to email you some options that will allow you to immediately determine if we are the right choice for you and your family.
I look forward to working with you to make your dreams a REALITY.

Lowell Sterling
Mortgage Banker
NMLS# 968898
The Federal Savings Bank
Mobile: 469-347-3572
Direct: 512-717-0403
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Wed Dec 17, 2014
Tukeitha "T." Sylvers answered:
My team of local lenders can provide customized financing options for you! Feel free to contact me at your convenience.


T. Sylvers, Realtor
Provident Legacy Real Estate Services, LLC - Bayonne, NJ

Cell/Text 773-317-0947

Your New Home Search Starts Here:
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Fri Apr 25, 2014
Don Tepper answered:
Report the lender to your state regulatory agency.

First--I'm not a CPA and I haven't seen your tax returns--it's entirely possible that your taxes were correctly done. Check with whoever did them. And, sure, file an amended return if it's appropriate.

But your lender has no right--repeat NO RIGHT--to make that request/demand. You provided your tax return so that the lender could verify claimed expenses and income. They can do it as-is. They are way overstepping their bounds by suggesting or directing you to amend your return. Further, even if an error was made by your tax preparer, that doesn't affect either your income or expenses. Your lender received what it needed to make a decision on your loan. Errors--if they even exist--are between you, your tax preparer, and the IRS.

Also, get your Realtor involved. But--without a doubt--report the lender to whatever state regulatory agency oversees its actions.

Good luck.
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0 votes 7 answers Share Flag
Wed Apr 9, 2014
A score of 620 will allow for the most mortgage options ( for both conventional and government/FHA financing) and I can go as low as a 550 FICO so you're in the clear. Your down payment is more than sufficient and odds are you could easily qualify with less money out of pocket; it will depend on multiple factors relating to your job and income.

It's best that we speak so I can gain a clearer snapshot of your entire scenario and advise you with accurate information to ensure all aspects of your home purchase go smoothly from start to finish. Please contact me at your earliest convenience so we may begin weighing-out all feasible options and create a plan of action to make your home purchase a reality. I may be reached directly at (201) 957-6768 or via email; whichever is easiest for you.

Kind regards,

Paul F. Marzolla
Sr. Mortgage Consultant
(201) 957-6768
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Thu Nov 14, 2013
American Environmental Service answered:
The realtor should be responsible to disclose evidence of Mold, Asbestos, Lead paint, etc. Once these and other items such as open construction permits and in-ground oil tanks are found ( by a professional) the buyer has a right to that information. It is the realtor that the purchaser depends on for such information. ... more
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Wed Nov 13, 2013
A 620 credit score qualifies you for both a Conventional and FHA mortgage. The income and assets give us some room to work, and a 5% down payment would be acceptable. Fortunately, there are a few programs available where 1 year of self-employment income is acceptable. There are a few overlays which is why it's of utmost importance that we speak to ensure eligibility. Additionally, I'm sure both you and your husband have more questions which I'd be more than happy to shed some light on. This is a milestone experience for you both and it should be as enjoyable as possible. If you'd like to determine your options and determine which route is most cost efficient please contact me directly via phone or email.

Kindest regards,

Paul F. Marzolla
Sr. Mortgage Advisor
(201) 957-6768
... more
0 votes 4 answers Share Flag
Tue Oct 29, 2013
Diane Glander answered:
If there are leases in place, you have to honor them. You might be able to buy your tenants out of the lease, but legally they do not have to leave if there is a lease in place.
It's hard to tell if what your attorney is telling you is true without a copy of the leases to review.
Have you alerted the tenants that you're purchasing the property? That needs to be done as soon as you are out of attorney review. Certified mail, return receipt.
I have an excellent attorney who specializes in landlord/tenant law. If you would like his name, just reach out to me via trulia or my website below.
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Thu Jul 11, 2013
We can certainly help you out. You can check us out at and give us a call. One of our loan officers will look at your situation and present you with some options ... more
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Fri Jul 5, 2013
David Gottlieb answered:
Hey Elias,

Been in the industry for 10+ years. Feel free to contact me to get an actual approval, not a pre-qualification. Hope you enjoy the holiday weekend!

-David ... more
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Sat May 18, 2013
Amos Elroy answered:
Commonly if it is a cash only deal there would be one of two main reason, in my experience, cash requirement is seldom just a preference on behalf of the seller.

It could be a Coop/condo unit that does not qualify for the majority of loans due to the building not qualifying, or the general condition of the property could be so deteriorated that the property would not qualify for any mortgage.

There are some ways around both this issues, but it would be specific to the case.

Please give me a call to discuss.


Amos Elroy
CDPE (Certified Distressed Property Expert)
SFR (Short-Sale Specialist Certified)
CHBA (Certified Home Buyer Adviser from NAEA)
CSBA (Certified Home Seller Adviser from NAEA)
NAEA Member (National Association of Expert Advisers)

Residential Real Estate Expert Adviser

Lic. Realtor Associate
EXIT On The Hudson Realty
(888) 462-6573 / (888) HOB-NJRE
FAX (888) 462-6573
Office 201-437-0411
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