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Bergenfield : Real Estate Advice

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  • Home Buying14
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Activity 33
Sat Sep 23, 2017
Barbara Weismann answered:
I'm not sure how to answer this question but I'll try to give you a general answer which might help you.

First of all, here is the Bergen County Board of Taxation website - http://www.co.bergen.nj.us/482/Board-of-Taxation You can call them with your questions but be patient because sometimes it's tough to get through to the right person.

Every year each town prepares it's own budget for what it needs to run the town. That budget is sent to the County. Bergen County then figures out how much money is needed to pay for the County's needs and determines the tax rate for each of our 70 towns.

The tax rate is multiplied by a home's assessed value to figure the property taxes for that year. Tax rates are supposed to be sent to the towns so that the new tax rates are published on August 1st but this year the County was late a few days. It can happen.

Each town has it's own unique idea of how to assess the value of a home. If you are interested in a particular town, you can call up that town's Tax Assessor who will explain how they do it.

I hope this helps you - it's a very basic, general idea of how it works here. Property taxes here are often higher than in NYC but prices are much lower. So overall it's usually a lot more affordable here.
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Mon Jul 4, 2016
Ian ODonnell asked:
Mon Jul 4, 2016
Ian ODonnell asked:
Mon Oct 5, 2015
UpNest Top Realtors answered:
Hi Ralph,

The only way to get your FSBO home listed on Trulia is to have it listed on the MLS. Only agents have access, but you could also pay for what's called a flat fee listing service if you want to sell by owner (generally not a good idea).

We created UpNest (http://www.upnest.com) to help home sellers get the best value possible. All you have to do is submit a few details about your home, and we'll invite several top local agents to submit proposals to you.

Since agents are competing to earn your listing, they bring out their best commission rates and value added services, saving you a lot of money. There's no risk to try us at all, and it's completely free for you.

http://www.upnest.com

Good luck!
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Wed May 27, 2015
agus pamon asked:
how to make an offer on a for sale by owner home; which based on several internet site at least 4-5 it shows the house if overprised by almost 75000 to 100000?
0 votes 0 Answers Share Flag
Mon May 26, 2014
Murphy Team answered:
I can answer your general question about finding a "full time" Realtor. I will leave the local sales part to someone in your area.

You can call the agency, or agencies, who do a lot of business in your area. You can determine this by viewing property on Trulia, or on your choice of sites, and seeing who shows up most. Call either an agent who advertises on these sites or call their agency and ask for the "Designated Broker". This DB will be able to connect you to a Realtor who works your location.

You may want a listing agent who specializes or, better yet, a Buyer Agent who also lists property. Once you list your property the job will be to find a qualified buyer and either should do the job for you.

Consider, of course, that you have a listing agreement with an agent now and will need to wait for that to lapse before moving on.
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0 votes 12 answers Share Flag
Sun May 25, 2014
Robert Kohrs answered:
Taxes are levied annually. HOA dues are charged monthly but only if it is a condo. www.njactb.org has year built.
0 votes 1 answer Share Flag
Fri May 23, 2014
Christopher Pagli answered:
The stairs won't increase or decrease the value. The will however compliment the surrounding floor. If the hardwood is showing on the floor the leave the stairs exposed as well.

Chris ... more
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Sat May 3, 2014
Samantha Yakobchuk answered:
It depends in how you want to live. If you want to live in a big house in a wealthy neighborhood and drive the nicest cars, eat the best foods, and have a lifestyle where you can enjoy luxuries, you may even need more than that.
If you want to have the typical NJ middle class lifestyle where you own a nice (yet modest) home in a good neighborhood and still enjoy simple pleasures, you can get away with much less than that.

It's all about the lifestyle.
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0 votes 2 answers Share Flag
Mon Mar 10, 2014
Samantha Yakobchuk answered:
Hello Suzanne,

On this site, when you search for rentals, you can look specifically for washer and dryer in unit if you click on "all filters" and then "amenities." (It's the second one down).
Best of luck in your rental search. I am not familiar with your area, but if you have any questions, I will be happy to do my best to help you.

-Samantha
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Mon Mar 3, 2014
Andrew Tisellano answered:
the income from a rental is the same as income from any other business or job. With rentals you usually have quite a bit of write offs so you only pay tax on the profit.
items that you can deduct include, property taxes, mortgage interest, water, other utilities, painting and repairs, snow removal, lawncare or hoa fees.

Contact me and I can guide you.
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Sun Feb 16, 2014
Barbara Weismann answered:
If you want a satellite view or above ground view of any address, you can go to 2 map programs that I feel are the best to use. The New Jersey MLS uses http://www.maps.bing.com where you'll find the very useful "bird's eye view" option which isn't as high above as a satellite view. Google has it's excellent map program - http://maps.google.com - where you can get a great street view as well as a regular satellite view.

I would suggest you try both to see which view you like the best. If you have any other questions or need any other help, just email me at barbara@bergencountyhomes.com
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Thu Jul 11, 2013
Approved Funding answered:
Unfortunately, in today’s marketplace and real estate environment a “low appraisal” is the #1 reason that contracts and deals fall apart.
Here are a few options and suggestions that you can consider if your appraisal comes in below market price:
1) Challenge the appraisal. Ask for a copy. You are certainly entitled if you paid for it. Work with your Realtor to make sure the appraiser used the best comps in the market.
2) Challenge the lender. Did they use a local appraiser? Is this appraiser familiar with the intricacies of the area?
3) Negotiate with the seller. An appraisal done by an independent 3rd party company is the perfect proof that their home isn’t worth what they think it is. Let them rethink their sale price and come down to something more reasonable with the market estimates.
4) Accept it. Depending on your down-payment, if it is substantial enough - a lower than expected purchase price can have minimal effects on your rates and terms. Speak to your lender.
5) Walk away. Sometimes the best deals are the ones that you don’t do. It might be hard, but if you aren’t “feeling it” after a low appraisal, its often best to walk away and start fresh elsewhere.
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Wed Jun 5, 2013
Barbara Weismann answered:
Actually the absorption rates aren't working because the market is changing too quickly. Right now if a home is marketed correctly, it will get an offer within a few weeks and be firmly under contract in 1 month. That is IF it is marketed correctly. I just closed on a listing in Bergenfield that had a drainage easement that was in the form of a brook. I emphasized the picturesque, country feeling of having a brook on a property so it became a positive instead of a negative, got an offer we accepted in just over 2 weeks and it was firmly under contract in 29 days. Bergenfield is a great town with a good school district and it sells well. ... more
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Tue Apr 23, 2013
stephen webber answered:
Yes and they are legitimate and available. Most states have agencies that will loan or grant the required down payment and USDA. First step is to gather up all the objective information you can find because the most important step of the financing process is choosing an ethical experienced loan officer who works for a lender that offers all of the loan types and is practiced with your states agency that offers assistance.
The challage is not all lenders are experienced with these loans so the loan officer will try to talk you out of them. Many of them will try to talk you out of the MCC tax credit for first time home buyers when it is one of the best tax credits ever.
At Your Road Home.com you will find an article, Consultation Interviewing Loan Officers. You will also find articles on all of the loan types as well as a link to your state's agency that offers assistance.
Also read article #9 about the MCC Tax Credit. After you have gathered up all the objective information you can find you will know what questions to ask the laon officer and what the answers should be.
Trulia is also a good source of information and after you have gathered your information you will find loan officers and agents from your area offering their services on Trulia.

Best of Luck, Stephen Webber
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Mon Oct 15, 2012
Marsha Bowen Washington answered:
If you are paying cash, you closing cost should be less than if you are using mortgage financing. You should be prepared with at least 5% of the purchase price to cover closing costs.
0 votes 4 answers Share Flag
Tue Aug 7, 2012
Wayne Odenbrett answered:
As the say in Brooklyn, forget about it. Each town pays taxes to support their own schools. They are all quite diligent about allowing only their residents attend
0 votes 6 answers Share Flag
Tue May 29, 2012
Jeanne Feenick answered:
While there are, I would just also say, be cautious and buy what you can afford so you don't end up in a heap of heartache.

Good luck and best,
Jeanne Feenick
Unwaverinig Commitment to Service, Unsurpassed Results ... more
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Thu Mar 1, 2012
Lyle Wolf answered:
Ravi

You can find the tax information for any property in New Jersey here:
http://tax1.co.monmouth.nj.us/cgi-bin/prc6.cgi?menu=index&ms_user=glou&passwd=data&district=0801&mode=11 ... more
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