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Home Buying in Bergen County : Real Estate Advice

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  • Home Buying60
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Activity 856
A few minutes ago
Mary Phillips answered:
I agree that you should have 20% down. I would say one third of your income is the absolute top of what you should spend for a mortgage payment that includes insurance and taxes.

That said, we purchased a home at the top of our comfort zone. It was priced higher so we made a one time offer that reflected the most we could afford. The house had been listed long enough that they took it. We are so happy in our home and just cut back on other expenses. But we did have over 20% down and ended up with a property in a very nice neighborhood on over an acre that is appreciating much better than our previous city home in a development. There are improvements we want to make but have to just wait until we can afford it.

So start saving - right now - for that 20% down payment.
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Tue Jul 18, 2017
Sheila The Dumb Home Buyer answered:
The problem is that it was a rental. I thought It was time to buy and pay a lower mortgage than the rent payment I had. I didn't tell my landlord like I should have. I was afraid if he knew I was looking he would rent the house before I had time to find one.

I went and bought a house that turned out to be a handy man special. I am middle aged and have a chronic bad back, I specifically told my realtor I can't do a fixer upper. They sold me this house anyway.

I know some of you will say, 'Well, gee, didn't you look at it?". Of course I did. Keep in mind, a realtor will sell you ANYTHING just to get their commission. It's hard to look at 'everything' when they walk in and open everything up for you, (Stupid practice as it only makes the house dirty), and whisk you through. They stare at you while you are looking and provide absolutely no knowledge about the house itself. I understand why people people choose to sell by owner.

It really gets me angry that there was no owner disclosure, the owner should be ashamed.

Like I said, the house has problems, I'm talking about a screen room and backroom that flood every time it rains. Those rooms are useless. This house was very neglected, no windowsills, deadbolt lock on the front door, every sliding glass door is broken. Every vertical blind track is broken. Remember now, the house is opened up before I enter. Bugs, of course it has bugs. Appliances don't work, (Funny, they worked during inspection). It needed a little gutter work, turns out, all the gutters need replaced. Spiders, Oh my god, the spiders. I am not used to living like this. It's feel awful and negative.

The yard has no grass, it is all weeds and ants. Totally needs new sod. Couldn't tell right away because it was cut so low. Good real estate ploy. Every other yard in the neighborhood has grass, must be the soil. So, no more Easter eggs hunts etc. Again, I don't live this way. I'm so embarrassed. I made a huge mistake.

I loved my other house. It had grass and flowers and no ants! No bugs, clean, perfect layout. Nothing weird. I felt so at home. Turns out my landlord really liked me and I probably could have eventually bought that one. I am sick to my stomach. I know this is a mistake I can't fix.

I hate being home. I cry all the time. There is no fixing this place to where I like it. I just want to go back.
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Wed Jun 14, 2017
Bisonwolf57 answered:
My 1200SF home is worth 20K less than what I paid for it. I do not plan to sell anytime soon, but want to improve the kitchen. I already remodeled my two baths at about 6K. Is it worth spending 10k+ on a kitchen remodel? Thank you for your help.

Walt
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0 votes 22 answers Share Flag
Tue Jun 13, 2017
NR asked:
We are buying a property in which single car garage was converted into a living space many years ago.The converted space shows up as a living space in the tax record and is included in the…
0 votes 0 Answers Share Flag
Thu Jun 8, 2017
Mary answered:
Hi,

Thank you for reaching out. Unfortunately, we currently do not have listings for rent to own homes. You may try your luck though and search our website using the Keyword section of the search filter which can be found in the All Filters button. However, these listings are extremely rare.

Thank you for using Trulia!

Mary
Consumer Care Advocate
http://www.trulia.com/help/ask/
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0 votes 1 answer Share Flag
Fri May 26, 2017
Paula Chapman answered:
I have the same feelings about a move I made this very week...and we are closing next week.
Bottom line, we did not have to move for work or anything like that. We used to live on the river but moved 2 years ago (sept) to a house due to the fact that the other house was on a steep hill and the driveway was hard to manage in the snow. we had been there 6 years.
We found we missed being on the river. The new house had a lot of character and was very pretty and updated, had many things we never had before like an en suite.
So we found a house after a long time looking, but it is another town, another school district. Just about 3 to 4 miles from the old town, but still...another county, higher taxes, and again, different school district.
I am feeling like I made a big mistake. I should have insisted we only look for a plot of water front land to escape to. We did not find anything ideal but we could have waited. And we could not find another riverfront home in the other town in our price range as prices have skyrocketed.
I feel selfish that my son has to start anew in a new school district (starting high school in sept)
So how can I answer you? i don't know. But i think this is normal and we will survive. Regret is very common for humans, and for sensitive people even more. I miss everything, including just brief situations. I get very attached and always have. Even worse the older I get. you'd think it would get better with time!
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0 votes 12 answers Share Flag
Wed May 10, 2017
Falloons99 answered:
Parking is $65 outside and $96 inside (waiting list)
0 votes 3 answers Share Flag
Mon May 1, 2017
Mukeshcric asked:
Sat Apr 8, 2017
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

If you need help with financing please let me know.

I can lend nationwide and have a lot of programs available.

If you have any other questions or would like help with this you are welcome to get in touch with me. ... more
0 votes 2 answers Share Flag
Fri Apr 7, 2017
Pegmulhearn answered:
Sun Mar 26, 2017
Nolanhamm answered:
I am a veteran with 730 credit but my wife has 600 credit. We want to buy a home but dont know if we can get approved for a loan. Anyone have any suggestions. Would rather not remt for another year when i can buy a home and make my monthly payment under 1000. ... more
0 votes 14 answers Share Flag
Sat Mar 25, 2017
Scott Godzyk answered:
In pre foreclosure just means they are behind and the foreclosure process ha started. Many times owners cant sell as they owe more than it is worth. You can not make them respond if they dont want to or cant sell. The bank does not own it, so they cant sell it either. ... more
0 votes 1 answer Share Flag
Thu Mar 2, 2017
Disrael asked:
I am not sure how long I can or will work for, so that concerns me as well as taking the Money from my UBS fund for down payment.
0 votes 0 Answers Share Flag
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