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08109 : Real Estate Advice

  • All25
  • Local Info1
  • Home Buying14
  • Home Selling4
  • Market Conditions0

Activity 21
Sat Oct 28, 2017
Scott Lavine asked:
Wed Jul 26, 2017
Faith answered:

This data is provided to us from Zillow foreclosures and we currently do not have the ability to edit or remove the information that they are sending us.

Thank you for using Trulia!

Consumer Care Advocate
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Thu Feb 18, 2016
Rosannescarpulla asked:
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Tue Nov 17, 2015
thinz answered:
Need more information to give you a detailed answer.
How much of a loss, and is your home paid off or do you have a mortgage? Would you rent or buy in FL? How much are you looking to spend in Fl? Will you need a mortgage want a mortgage when you buy in Fl? Tom Hinz ... more
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Wed May 6, 2015
kevingbrennan asked:
Merchantville, NJ 08109 now has a sending/receiving relationship with Haddon Heights, NJ. When will this be reflected on Trulia?
0 votes 0 Answers Share Flag
Tue Mar 17, 2015
Randy Stoker answered:
Contact a local mortgage advisor for answers to your question. There are differences of interest rates, property taxes and homeowners insurance rates that need to be known in order to answer your question accurately. ... more
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Tue Sep 3, 2013
Ines De La Cruz answered:
Hello Widalys,
Thank you for your request. What towns are you considering?
Be prepared to provide the security deposit (typically 1 1/2 the rent amount) plus the 1st month's rent mostly upon signing the lease agreement.
The Landlord may do a background check to make sure you have the ability to pay the rent agreed.
I will be happy to provide you the information and help you in your search.
Best Regards,
Ines De La Cruz, ABR, CRS
RE/MAX Connection
To view all the homes for sale and rent in NJ visit
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0 votes 1 answer Share Flag
Wed Jun 15, 2011
J answered:

Lots of good answers here. It is common for homeowners to do this and the banks love it because they would rather see a home occupied than vacant. Although the homeowner holds title until foreclosure the house is still considered a bank asset. The homeowner enjoys not making mortgage payments and the bank enjoys seeing their asset being taken care of until, or if, the property actually goes into foreclosure at some point in time. I am seeing more pre-foreclosed homes not going into foreclosure for 2-3 years at a time.

It is interesting to think that If a mortgage payment is $900 a month x 24 months = $21,600. Even more disturbing is if the bank offers to a homeowner any special short sale programs that will actually give cash back to a home owner, say $10,000 or so as incentive to "Get back on their feet," for lack of better words.
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Mon Mar 28, 2011
Adam Falchetta answered:
It depends on what the seller has expressed to the agent to disclose and not to disclose. Sometimes agents will offer that info as a "Heads up" to the agent or prospective buyer so as not to waste everyone's time with an offer that the seller will not like to consider (of course the buyer/agent is still free to submit the offer regardless of this info, and all offers in writing; by law; must be submitted to the home owner) But still the lowest a seller will except for the sale price is (or SHOULD be) guarded info and not disclosed.

I really hope this help, Anne. If you need more explanation feel free to give me a call- 856-397-7812

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0 votes 32 answers Share Flag
Sun Jan 2, 2011
Deborah Madey answered:
Hi Bobkrab,

I have met many people who are simply doing research for a potential future real estate transaction, or they are just being curious. They would like to research information without the need to chat with a Realtor. You may or may not fall into that category. But, here is the solution and explanation that I suggest for them. Perhaps this will be helpful for you, too. It would provide you HOA fee info, plus more.

Real estate data on properties that are represented for sale by REALTORS is shared via a few different methods/sources. 1) Public sites, such as Trulia, agent and brokers "public" sites; 2) Property detail sheets given in person, by fax, directly emailed to a customer/client from a REALTOR; or 3) REALTOR provided access to REALTOR websites (registration required) or REALTOR provided automatic updates via email (registration required.)

All of the "public sites" have fewer data fields and less information. You can receive additional data fields and greater access to information by becoming a client or registering with a REALTOR. Here's the important point. "Registering" on ANY site will not guarantee you additional data fields, nor will it assure a higher level of data integrity. You do need to register with a REALTOR, and one who has the systems in place to provide up-to-date property information and a system that will release more data fields to you so that you receive timely and accurate info about properties offered for sale.

The data integrity and accuracy in MLS systems is quite high. In order to maintain this high level of data integrity, the member REALTORS pay fees to MLS. Across the US, thousands of MLS employees enforce rules to maintain accurate data in the MLS systems. In order for REALTORS to have the systems in place to share this data with registered users via search sites and automatic updates directly from MLS data feeds, REALTORS hire private programmers or services. It is not a free extension from the MLS. Providing in-depth accurate info comes with a cost, but that cost is absorbed by the REALTOR.

If you locate a REALTOR who can provide you this level of timely, accurate and thorough data access for the area of your interest, you need to register with them. You can explain to the REALTOR that you want to search on your own. I have many registered clients with whom I have sporadic and intermittent email conversations. I am here when they need me, and leave them search on their own when that best fits their needs. Of course, when it's the right time for them to visit properties, I am ready for them!

Finally, I encourage you to continue to use Trulia in your search. While Trulia does not have all the data field, nor all properties for sale, and there are some properties that appear here that are not longer for sale.....Trulia has a lot of cool tools for you. Trulia sources info from public databases and adds that data here. And, they have some great analytics and trend reports.

If you tag team between a great REALTOR provided ‘registered access’ site and Trulia, you are sure to find info about HOA fees and a lot more.

Good luck in your search.

Deborah "Deb" Madey - Broker
Peninsula Realty Group
732 530 7755 Main
732 530 6350 Direct
732 784 8450 Mobile (Text or Voice)
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Sun Jan 2, 2011
Donna Herb answered:
I agree with Kim. Do not pick an agent based on the number of listings they have had/or do have. There is a very slim chance your "listing" agent will be the "selling" agent. In this challenging market it is best to pick your agent based on who you feel comfortable being a "team" with., since this is a "team effort" market we are in. I think experience is a must thought. Also, You have heard LOCATION, LOCATION, LOCATION, well now the slogan is PRICE, PRICE, PRICE. Price your home properly the first time and the agent you chose will be a winner.

If you would like to consult with me you can reach me at:
Re/max of Cherry Hill
856-424-4040 x142

Thank You and Happy New Year
Donna M. Herb
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0 votes 5 answers Share Flag
Fri Nov 26, 2010
Jerry Barker answered:
John, because the question wasn't exactly clear, was it? Is there something you don't like about the article I wrote? Im pretty sure I'm allowed to have a stand on strategic default whether its positive or negative, truthfully I could care less, but I do love to see the price of real estate come down, the lower the better in my opinion. ... more
1 vote 14 answers Share Flag
Fri Aug 20, 2010
Ines De La Cruz answered:
Hello Segafour,
Thanks for you questions. The word inactive could mean several things. The listing of the property could have expired. The property is not longer available for sale. It will be easy for your agent to look it up and give you the right answer.
Good luck in your house hunting.
Ines De La Cruz
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0 votes 2 answers Share Flag
Sat Aug 14, 2010
Marsha Bowen Washington answered:
Hi Segafour,

The answers below pretty much answer your question, I wanted to give you some additional information. In regards to the bank allowing a sale. Most lenders will require a home owner to place the home the market by a Real Estate agent or Broker prior to selling the home if it has to be sold as a short sale. Otherwise, if an owner has equity, they could sell it on their own. If selling the home on their own, they will need to keep track of the foreclosure process to avoid a sheriff sale. For more information, you can check out my website below.


Marsha B. Washington
SFR - Short Sale Foreclosure Resource
Coldwell Banker Residential Brokerage
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0 votes 5 answers Share Flag
Fri Aug 6, 2010
Gina Chirico answered:

From what I understand from your question, the owner who is in preforeclosure status is looking to move out of that house in preforeclosure status and rent an apartment?

If my understanding is correct, yes he is still responsible for the mortgage payments. With that being said, he can still abandon the property, rent an apartment and deal with the consequences of foreclosure, penalties, etc. The problem with the house he owned won't just go away if and when he moves out.

I've seen many homes listed as short sales that were already vacated by the owners.

Gina Chirico, Sales Associate
Lattimer Realty
973-715-1158 cell
973-575-6353 ext 17 office
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0 votes 4 answers Share Flag
Fri Jul 30, 2010
Gina Chirico answered:
Hi again Segafour,

It's hard to know what means what and where you are getting the information from. If its your house you are referring to, you would know the date the mortgage company sent you via certified mail and regular mail the Notice of Default and the date to cure it by.

If you are not the owner of the property but are looking at a pre-foreclosure property. The dates can mean different things. The filing date could be the date the notice of default was filed, the entry date may mean the date it was entered in the system, the end date can mean be the last date the owner has to cure the default. Which in this case wouldn't make sense at to the end date being 8/16/10 if the filing dates were in the fall of 2009. Sometimes a home has two pre-foreclosures pending on it so the dates may overlap or coincide with each other.

If you want you can email me the address ( and I can better understand the property you are referring to and make sense of the dates given.

Gina Chirico, Sales Associate
Lattimer Realty
973-715-1158 cell
973-575-6353 ext 17 office
... more
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Thu Apr 15, 2010
Mack McCoy answered:
And, Michelle, I'm also thinking that they know the area somewhat - you can find out how much by talking to them, but it's a start.
0 votes 22 answers Share Flag
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