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Home Buying in Dover : Real Estate Advice

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  • Home Buying8
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Activity 13
Wed May 6, 2015
Suzanne MacDowell answered:
You will need to contact the listing agent and ask them to remove the photos.
0 votes 1 answer Share Flag
Thu May 22, 2014
Christopher Pagli answered:
Typically if its a move in the same field you will be ok. Your loan officer will guide you accordingly.

Chris
0 votes 3 answers Share Flag
Wed Mar 19, 2014
Samantha Yakobchuk answered:
Hello Anyelina,

Helene mentioned some great resources. You also don't need to save 20% as a down payment -- with an FHA, you need just 3.5% of a down payment. I encourage you to do the research on the link that I posted to see if it's right for you,

However, keep in mind that there's more to buying a house than credit score or the down payment. There's the monthly mortgage payment, insurance, taxes/HOAs, maintenance, etc (and this is only financially speaking) I speak to you as a peer, not as a real estate agent, when I say this. Consider your motives for wanting to buy a house at this time and see about waiting until you graduate college and have a more steady job (presumably). In the mean time, continuing to save and work toward owning your home in a few years is a great idea. Again, as your peer, the fact that you would consider taking out a loan to act as a down payment on a home makes me think you may not be 100% financially ready for this huge purchase.

All the best,
-Samantha
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1 vote 2 answers Share Flag
Fri Apr 5, 2013
Brenda Lee Zabriskie answered:
Unfortunately tax appeals were due by April 1st. If you did not file by that date, you will have to wait until April 1, 2014. At that time you will need comparables from January 2013 to October 2013. For the New Jersey guide to tax appeals you can print off their brochure at http://www.state.nj.us/treasury/taxation/pdf/lpt/ptappeal.pdf ... more
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Tue Oct 16, 2012
Helene Jeanette answered:
Actually, 43 was listed for $110,000. It is not permissible to disclose the pending sale price. There are two other homes in that complex that are on the market, both 2BR at $149,900 and $225,000. If you would be interested to see them or other homes priced in the low $100s, let me know and I'll be happy to share a list with you many of my clients like to use my website, http://www.randolph-chester-homes.com and contact me when they find something of interest. I'm local to the Dover area and I'd be happy to discuss home needs with you.
Leni
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Thu Aug 16, 2012
Orlando Patricio Abarzua asked:
looking inexpensive house 1-646-221-7973 Orlando
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Thu May 17, 2012
Helene Jeanette answered:
Carolle is right on the money. If you want to do a drive-by to see the areas, three are on Thomastown Rd, one is on Parkside Ln (these four are in the same development and have been on the market for well over a year), one is on Shirleen Ln. This one was built in 1988 and just came on the market a few days ago at the lowest price in the range. Call or email if you would like to receive detailed information about each or if you want to compare other area townhomes.

www.TeamHelene@KW.com
973-207-9803
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0 votes 2 answers Share Flag
Thu Dec 2, 2010
Murray Plishtin answered:
Hi Freund,
As noted by my colleagues, Dover has few 3 Bedroom townhouses. I have a great 2 Bedroom located just over the town line in Randolph listed for a very low $278,000, but this time of year the market is very slow.
I suggest riding around the town to familiarize yourself with the towns layout and demographics a bit.
Prices in general are lower than the sorrounding towns.
Give me a call if you would like to me to send you what is currently available in Dover and environs
Best of luck,
Murph Plishtin
... more
0 votes 6 answers Share Flag
Tue Aug 11, 2009
Pablo Lopez answered:
Choosing a neighborhood can be quite a challenge if you are new to the area. My best word of advice will be to visit the town hall and inquire about neighborhood information also the police department is a great source for info. Of course the internet can be a great tool for research and doing some due diligence. Here is a link that can give you a head start about neighborhoods, shools and pretty much anything that you might want to know about the neighborhood that you are looking at. Go to http://www.pablolopez.biz/neighborhoods.html have fun. And if you are not currently working with a Realtor and will like additional help searching for a home don’t hesitate to give me a call.

Pablo López
Century 21 Elite Realty, LLC.
337 Changebrige Rd
Pine Brook, NJ 07058
Office: 973.244.7980 Ext 215
www.pablolopez.biz
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0 votes 2 answers Share Flag
Tue Aug 11, 2009
Sharon and Karen Home Team answered:
Hi Magda,

Dover is a lovely town with great shops, lovely community, good school system and a train to NYC. It is many times being forgotter since it's not that big. I am attaching a link to the town's website so you can check the information. http://www.dover.nj.us/

Good luck to you.
Karen Abramson
... more
0 votes 2 answers Share Flag
Tue Dec 9, 2008
William Leigh Holt answered:
William: A standard New Jersey Realtor's (NJAR) contract should say so on the contract. Realtors cannot generate a contract, that is legal work and only a lawyer is licensed to do that kind of stuff. What the "standard" NJAR contract has is a "fill in the blanks" approach and the blanks include both an initial deposit line and down a line or so an "additional deposit" line.

You fill the blanks in with anything you want, including “0”! I'm not going to tell you that the seller will accept what you fill in but you can change it if they object. They can ask more than you want to give and you can negotiate the deal back and forth.

Now, a contract is a beautiful thing. Only attorneys can give you LEGAL advice about it. All any realtor can do is fill in the blanks. Now you may get some coaching from the agent but he's truly not supposed to do that.

Since you are so anxious and uninformed about what you are doing, in this case (and many others as well, believe me,) I strongly recommend a getting a good attorney, one who has experience in the real estate business to counsel you. That's why one of the names we call attorneys is "counselor."

You’re spending a great deal of money; perhaps more than you've ever spent before in your life. You will insure the house for casualty loss; why not insure the deal with legal advice that will probably cost you less than the house insurance?
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Thu Oct 2, 2008
William Leigh Holt answered:
William: There are three home valuations. Tax assessment, Appraisal and Competitive Market Analysis (CMA). The tax assessment, in NJ, is supposed to be at 100%. Since it costs money to do a town, it's rarely done more than once every ten years. Do you think that prices may change in ten years? Some towns can do "spot" assessments but that is not a common thing. The town really doesn't care, because the tax burden is simply divided over the assessment, each getting a share based on a value. After a while this can result in better neighborhoods getting less of the burden than those which are not appreciating. Hence the ten year re-assessments. The CMA and mortgage appraisals may differ because they are done by different entities but in the end, if the house does not appraise, there will be no mortgage available for it. CMA's help sellers set the list price but they can ignore them and ask more, if they choose. A buyer's agent can do a CMA and it can guide buyers to what the going rate is in the area. ... more
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