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Home Buying in Bayonne : Real Estate Advice

  • All160
  • Local Info14
  • Home Buying31
  • Home Selling3
  • Market Conditions9

Activity 52
Sun Nov 26, 2017
Mabalos7860 asked:
Mon Oct 2, 2017
Davidpollackrei answered:
There is also the situation where the agent is involved in the purchase of the property despite arms length. This will more likely happen in a foreclosure purchase. I had one agent tell me the property which was up for auction was already in contract. It wasnt as I participated in the auction. One month later it is relisted for general sale for 100k more by the same realty. still for sale now actually. ... more
0 votes 11 answers Share Flag
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!
... more
0 votes 1 answer Share Flag
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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0 votes 2 answers Share Flag
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
... more
0 votes 1 answer Share Flag
Tue Feb 16, 2016
miguel asked:
this retal includes parking
0 votes 0 Answers Share Flag
Wed Jun 17, 2015
Your best bet would be contacting your 401k servicer to find out the terms of withdrawal.

I can help you obtaining an FHA loan if you don't have a reputable mortgage banker as of yet. Please contact me at or call me at 347-903-5626

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1 vote 1 answer Share Flag
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
... more
0 votes 1 answer Share Flag
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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0 votes 2 answers Share Flag
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
... more
0 votes 11 answers Share Flag
Sat Mar 22, 2014
I often receive calls from buyers asking about the first time home buyer loan but what they are seeking is simply an FHA mortgage. FHA does not require a first time status to use their insured products. If you have the down payment and are going to live in one of the units they will finance up to a 4-plex. Good luck with the new adventure.

Jim Simms
NMLS # 6395
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
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0 votes 8 answers Share Flag
Mon Dec 30, 2013
Andrew Tisellano answered:
My Client had the same situation recently and we had to wait for them to file and the IRS to send back confirmation that the received it.
Best to check with your mortgage professional.
0 votes 4 answers Share Flag
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
0 votes 15 answers Share Flag
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 Nov 12, 2013
dianamatto.sms answered:
In most of the short sales I have negotiated, yes, they do approve it. Give me a call if you need any assistance.
0 votes 7 answers Share Flag
Mon Nov 11, 2013
Jackie answered:
Mon Nov 11, 2013
Provident Legacy Real Estate answered:
Hi Shanice Lyles-
We will be more than happy in assisting you with your rental search. Please give us a call at 201.809.9925 (9:00AM-5:00PM Monday-Friday, Saturday 10:00AM-4:00PM, Sunday 11:00AM-3:00PM). Also, feel free to check out our website at . We hope to hear from you soon! Have a great day! ... more
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