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Home Buying in Spotswood : Real Estate Advice

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  • Home Buying7
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Activity 11
Fri Dec 11, 2015
thinz answered:
I would not pay anything until I learned more about the property to see if 99K even reflects the AS IS value of the home...and if the balance of my budget will cover an accurate estimate of the repairs.
Do you have any of that information?
Tom Hinz
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Sun Jun 14, 2015
Hgillar13 answered:
Well first off its a pretty quiet area. It's pretty family friendly little town, I don't think I would have rather grown up anywhere else. It's low crime. There are bored teenagers and where there are bored teens there some vandalism, but not a whole lot really. The school system is pretty good and the teachers are great.The schools do have a lot of after care and after school programs to try and keep kids busey and looked after. There are four churches for those of who practice. So when churches let out on Sundays, there can be a bit of traffic jam. As for the tracks, yes train tracks do run though town but normally don't run between 7-9 am (before school starts) and 2-4 pm ( school lets out). Yes, many of the kids do walk the train tracks, it's the fastest way around, but should a train be approaching, you would know. They know to sound the horn and go slow through. The crossing lights go on and the bell starts to ring as well. They schools do, do an assembly about the dangers of being around the tracks, (or at least they use to) so it won't be just you warning your kids to stay away.
There are restaurants aplenty with a variety to choose from, but pizza seems to be the favorite. There are 5 or more pizza places in town or close to it.

Have I covered everything you wanted to know?
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Thu Oct 17, 2013
We offer non warrantable condo loan nationwide.

I am happy to answer your mortgage questions. Feel free to contact me at 800 315 8803.

Bart Gabe
800 315 8803 or 973 979 4100
Lending Nationwide since 1987
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Wed Jun 29, 2011
Shane Milne answered:
You either rent or you own. If you do not own (which I am sure you would know if you did) then you are a renter. A renter doesn't have to pay a certain amount of rent, they just live in the property as a tenant (either a written agreement or a non-formal agreement). So you would mark that you rent, and then on a separate page of the loan application it asks for your "Current Housing Expense" with one of the line items being "Rent" and you would write in "$0".

In the section that asks who is title will be held by, you have several options in New Jersey, this attorney in Paramus explains a little in a blog entry at: - generally the people who would be on title are the people on the mortgage, but each situation can be different. If you are using an attorney for your purchase/contract review (I know in North NJ they commonly use attorney's - not sure if Spotswood is considered northern NJ) they may be able to advise which would be best.

I highly recommend you go through the loan application with your loan officer over the phone, it gives you a chance to explain anything on the loan application, and your loan officer can complete most of it and just send it to you so all that has to be done is to sign & date (that is how we do them). If I was a consumer I'd find filling out all of the information on the loan application pretty time consuming, so you may as well have your mortgage professional to help guide you through it to make it a snap.

If you have any questions feel free to ask, but you may want to ask your own loan officer first. If they don't want to answer you, or don't have the time, it is a sign you need to look for a loan officer who is more concerned about your loan.
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Tue Jun 28, 2011
Gerard Carney answered:
What does it matter to you, it isn't a cost out your pocket! get the Realtor and do the deal! Write the owner because you do not wish to have a professional doing your side of the deal! wondering where your head is at! ... more
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Mon Jun 13, 2011
Jeanne Feenick answered:
Hi Cortney, five years ago - even maybe three years ago, inspection and insurance may have been adequate but the tides have turned. My recommendation is that you have the seller replace the underground tank with an above ground tank - and remove - NOT fill the underground one. The process requires town permits and also inspections. Keep this on the seller side of equation - if the tank happened to leak, the soil could be contaminated, which would be a big - and expensive - issue.

Good luck to you,
Jeanne Feenick
Unwavering Commitment to Service
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Mon Jan 5, 2009
John Sacktig answered:
Susan -

Follow the link - Let me know If I can be of assitance to you on this property. I know Spotwswood very well and I can assist with any questions that you may have.

John Sacktig
Broker / Manager
Orange Key Realty
Cell: 732-213-1409
Office: 732-863-6969
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Wed Dec 10, 2008
Jeanne Feenick answered:
Hi Susan, I'd be happy to provide you with the listing from the Middlesex MLS - is this a property you are interested in buying? Just send me an email at and I'll send it along. It will provide much of the detail you are looking for and we can work on the rest.

Jeannie Feenick
Search and connect at
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Tue Dec 9, 2008
John Sacktig answered:
Hi Susan -

Follow the Link!

Call me to set up an appoinjtment if you like!
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Thu Apr 3, 2008
Mary Petti answered:
John and Gina are both correct, however if you have an attorney, he/she is the person you should be asking these questions. Only your attorney knows the specififcs of your contract and what terms the builder is being held to if any (and you too of course). I do sympathize with you. My first home was new construction, supposed to be finished in June, and I move in on Septemper 3rd. ... more
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Home Buying in Spotswood Zip Codes