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Home Buying in East Windsor : Real Estate Advice

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  • Local Info6
  • Home Buying18
  • Home Selling4
  • Market Conditions5

Activity 24
Thu Mar 9, 2017
answered:
Hello, I'm a mortgage professional.

I do USDA loans.

Besides pre approving my borrowers for the loan I usually look the property address up to make sure it falls in the eligible areas for a USDA loan. USDA loans are limited to certain areas. There are also income limits with USDA loans. It's best to have all of this evaluated before putting an offer in.

Another option with less restrictions is an FHA loan, you need to put down 3.5% but you are allowed to roll in closing costs using a sellers concession.

If you have any other questions or need help with this you are welcome to get in touch with me.
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Thu Mar 19, 2015
Banumathy Rajan answered:
The Association fee is $172.28 per month. It includes common area maintenance, snow removal & trash removal.
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Sat Feb 15, 2014
Shalu Thaman answered:
Hi ibysequinot,

I am a Land & New construction specialist and have the Real-life experience of having built a home.

I am also a Central NJ Real Estate specialist & familiar with the topography & values.

Please contact me directly for a no-obligation consultation & a needs analysis to understand how best I may assist you in what you are looking for.

Regards

Shalu Thaman - Realtor,ePRO,ABR,SRES
Keller Williams Princeton Real Estate
Cell # 609.577.5861
Fax # 609.613.5907
http://PrincetonHomeNj.com
http://www.linkedin.com/in/shaluthaman
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Tue Dec 10, 2013
Kenneth Verbeyst answered:
there are many considerations such as price and resale values, shopping etc. I suggest you research area as well as candidates to assist you.
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Thu Nov 21, 2013
Kenneth Verbeyst answered:
resale values are typically much lower, though schools may not be an issue to you, they may be with others. I suggest you check school reports. Only you know your criteria and needs though so it may the right move for you. I suggest you speak in depth with agents who know both areas. ... more
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Sun Sep 1, 2013
Marsha Bowen Washington answered:
In most cases, a lender will waive any deficiency for the balance of the mortgage for a short sale. To avoid tax consequences, the short sale has to be completed by December 31st 2013.
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Tue Aug 27, 2013
Mcoenrealtor answered:
Typically an Appraiser does not send an Appraisal report directly to the Lender. There is a Middleman involved. The report is sent into a Appraisal Management Company approximately 48 hours after the inspection, The Appraisal Management Company takes sometime 1-4 days to review the report and may go back to the Appraiser requesting added info and perhaps added comps. After the Appraisal Management Company approves the Report, the company sends the report to the Mortgage Lenders Appraisal Review Department who reviews the report and may go back to the Appraisal Management Company with Questions, who then goes back to the appraiser. In addition to the Appraiser who did an interior and exterior inspection, Lenders often have another appraiser review the appraiser's work and complete an Appraisal Review Report or have another Appraiser Complete a Drive-By inspection Appraisal Report to obtain another appraiser's opinion of market value. Thus you can see that the process is a long and draw out process. ... more
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Fri Jul 26, 2013
alapinio2013 answered:
I am the resident of the east windsor, nj. In order to reduce the properties taxes we must vote for cutting back the costs in the town. For es. right now in NJ every township has its own monarchy like town mayor, and its staff and other township unnecessary official which their salary and expenses are paid by the home owners. ... more
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Sat Apr 27, 2013
bertyshore answered:
Mercer County has many available homes within your tax budget. Mercer County also has available assistance to first time home buyers which is that you have not purchased within the past three years and are income restricted. I personally have a home for sale and the taxes are under the amount by about $2,000.00 If you search the internet for the area which has numerous zip codes it can be a substanial savings to yourself. look at 08520,08648,08690 ... more
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Sat Apr 27, 2013
bertyshore answered:
East Windsor is a Township in Mercer County NJ. Mercer County does have income qualification assistance available to first time home ower, this is have not purchased within last three years. It is income qualified per dependents and the available amount is $15,000.00 either to use for closing or down payment. The local realtors can assist or you may seek out assistance on the Mercer County New Jersey web site ... more
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Mon Mar 4, 2013
Margaret answered:
I owned a townhome there for 5 years and I would NEVER go back. They are larger than any townhome in EW, without question. Depending on which model you get or how long it has been previously owned the insides can run the gamit from original 1970 everything to more modern updates. It is a racially mixed community, a lot of children as well as a lot of original owners who are now seniors. It is as safe as any neighborhood in EW. the evil that lurks in TwinRivers is the home owners association, also known at "the trust". they are the most evil, nazi like people. I would not advise living there unless you were desperate (which I was when I bought). ... more
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Tue Mar 22, 2011
Diana Perez answered:
Hi Leeank,
Our office periodically holds investor seminars which helps clarify the process. If you are interested, please feel free to contact me and I'll send you an invitation to our next event.
Best,
Diana
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Fri Jan 7, 2011
Ed Miller answered:
Your question is aptly answered buy those Realtors that responded below. I have shown this house twice and one of my Buyers almost placed an offer on it but the property that the backyard backs up to was not to their liking. It would have been OK with me, but I never argue with my clients or try to sell them anything they do not love.

Ed Miller
Keller Williams Realty
Business: (609) 987-8889
Direct: (609) 647-6818
Toll Free: (888) 206-5150
Home Office: (609) 448-8767

E-Mail: Ed@EdMillerProperties.com
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Thu Nov 18, 2010
Jennifer Blanchard answered:
I don't think you need to find the right mortgage company - it's a matter of the loan program. I'd call my Weichert Financial rep: Brian Wagenseller at 908-310-5122. If it can be done, he will make it happen. ... more
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Sat Oct 16, 2010
Barbara Novitsky answered:
Realtors follow a specific code of ethics and cannot "steer" clients; however, they may be able to provide assistance in the home buying process by helping you find sources of information. I am a relocation specialist who can help you, at no charge, to find a Realtor specializing in your geographic area of interest who can assist you. If I can be of service, please contact me through my website. ... more
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Sat Oct 16, 2010
Robert Bruno answered:
Could be coincidence. Could be the extremely high property taxes in East Windsor couple with the maintenance fee of a town home and the sellers have realized they could live in a more expensive single family home in another town for the same monthly payment. Caveat emptor! ... more
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Fri Aug 6, 2010
Gina Chirico answered:
Strange1,

I would recommend speaking with a loan officer, your lender or Jeff Belonger will be able to guide you in the right direction. He's in New Jersey too. You can find him here on Trulia or http://activerain.com/jeffmortgageman.

With that being said, lets say the seller accepts the earnest deposit and agrees to wait for the balance of your down payment until closing, what if you don't have the money in time for closing? Is the seller willing to take the risk that you'll have it by closing? Or will they take the risk and take their house off the market based simply on an earnest deposit? For my sellers, I always negotiate a higher second payment which is due 10 days after attorney review to prove true motivation.

Again, try contacting Jeff Belonger and tell him your situation. He'll guide you in the right direction. I honestly think this is a question best answered by a loan officer/mortgage rep.

Good luck.

Gina Chirico, Sales Associate
Lattimer Realty
973=715-1158 cell
973-575-6353 ext 17
Gina@GinaChiricoRealEstate.com
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