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Union : Real Estate Advice

  • All93
  • Local Info6
  • Home Buying36
  • Home Selling3
  • Market Conditions2

Activity 79
Sun Feb 18, 2018
Karen Peyton answered:
Speak with a loan officer at a mortgage company that offers this type of loan - not all do. They can explain to you what this loan is and how it works.
0 votes 1 answer Share Flag
Mon Feb 12, 2018
Michael Richardson answered:
Although the other replies were very thorough, realtors are becoming an unnecessary and overpriced dinosaur of sorts. A buyer assumes he/she is not paying for any commission, which is technically true, but the fact is, is that they are paying approximately 3 times the amount the seller is. If a house is listed under FSBO, he/she already knows he/she is saving at least 3%. They also know that there are two possible outcomes with prospective buyers... if they have a realtor, the price is not as negotiable. If they do not have a realtor, he/she is definitely more receptive to negotiation and lowering the asking price. If option A occurred, and the seller leaves 6% into asking price. The seller would pay the 3% commission, but the 6% built into the asking price is now something the buyer will pay over a thirty year period totaling 3 times more than the 6%. which in my area would equal $18,000 over a thirty year period. So by signing with a realtor, the house immediately loses an average of $18,000 in potential equity.
After knowing this, one could easily do the math and search for a FSBO listing, not hire a realtor, and hire a real estate attorney for $600 to complete and review the necessary paperwork. I have nothing against realtors, but times have changed. Just as Everyone owned a TV Guide and Farmers Almanac, people 5 years from now will be saying the same for this occupation. my advice for people, search for FSBO, immediatly ask for 6% off already negotiated price, save yourself thousands of dollars in equity, My advice for realtors, have a 5 year exit strategy for obtaining a different career.
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0 votes 34 answers Share Flag
Tue Oct 10, 2017
Gozov.petroleum answered:
Hello , At the moment seller company have jP54, Jet fuel A1, d2, D6, (virgin fuel and Oil) spot for FOB Rotterdam, Houston and Primorsk Port. If you have any interested buyer kindly contact us, hope to here from you soon. ... more
0 votes 27 answers Share Flag
Wed Oct 4, 2017
Yvettealston1 answered:
Will a resubmitted mortgage payment after the 30th day affect my credit?
0 votes 4 answers Share Flag
Mon May 15, 2017
Steven_soprano answered:
The location is right off of route 22 which is always filled with traffic.
0 votes 10 answers Share Flag
Wed May 3, 2017
Kathy Burgreen answered:
Yes it can but you have no control over that. The appraisal is for the lender to verify how much of a loan you will receive. Your lender will only finance your new home for either the appraised price OR the contract price - whichever is lower.

Therefore, if the appraised price is lower than the contract price, you need to come up with the difference from your savings. If you don't have the cash to pay the difference, you can try renegotiating with the seller, but the seller can refuse and you may end up losing the house OR you can pay for a 2nd appraisal. Hopefully, your seller will accept a lower amount.
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0 votes 1 answer Share Flag
Wed Feb 8, 2017
Karic439 answered:
I am in the process of purchasing a house directly from the owner and the underwriter asked for a second appraisal. Their explanation was because of the relationship with the seller, (forgot to mention that I have been renting the house for 3 years and now buying it), they are asking for the second appraisal.
It is interesting and at the same time I don't understand the logic. My loan officer tried to explain or justify UW's logic but I am still confused.
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0 votes 10 answers Share Flag
Thu Apr 21, 2016
Rosimar99j asked:
Sun Jan 17, 2016
Isaac Salas answered:
We have a 4 bedroom house for rent at 1596 Porter Road in Union, New Jersey. $2375 per month. Available at the end of the month. You can reach me at 845-709-3153 if interested. ... more
0 votes 2 answers Share Flag
Thu Sep 10, 2015
Tsdowns79 asked:
Looking for a section 8 realtor in union county nj....does anyone know of 1??
0 votes 0 Answers Share Flag
Mon Aug 17, 2015
thinz answered:
Debra, there are a lot of pros and cons on FHA vs conventional loans.
Please check out the following link to get more information that will help you.
If you are an investor or need help with the financing, FHA could be a good choice...especially the 203B program for rehab work that is needed.

If you need help finding a good loan officer, email me direct at for names of folks that can help you...or, just start making some calls to mortage companies and finding someone you are comfortable working with.
Here is the linkl -

Tom Hinz
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0 votes 1 answer Share Flag
Tue Aug 11, 2015
Jiri asked:
Thu Jul 23, 2015
USMortgageRanger answered:
Does this attorney have a Real Estate License or just a Law license. If he presented herself as an attorney then she need to stay in her Lane. Yes you can only if you chooses to give something towards the closing cost but no demand will be met and Let her know this is Plano where houses are in short supply and you can easlity find a nother buyer before the weekend.

I would be delighted to provide you with some mortgage options, (this does not require us pulling your credit) that will allow you to make the best decision for your family. I can be contacted via my profile information for a no obligation consultation. My Office hours are 08:00 AM-08:00 PM Mon-Fri and Fri and Sat 08:00 AM-06:00 PM CST.

Lowell Sterling
Mortgage Banker
NMLS 968898
Capital One Bank
Phone (469) 315-1709
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0 votes 2 answers Share Flag
Tue Jul 14, 2015
Wyonda Harris asked:
I need help with realtor or mortgage rep who knows all about it
0 votes 0 Answers Share Flag
Tue Jul 7, 2015
Christopher Pagli answered:
1 vote 1 answer Share Flag
Sun Feb 22, 2015
John Westrich answered:
Hello Farrah,

Based on your criteria, I would recommend considering Bergen County. Are schools important? My recommendation whether you were to go with me or not is to choose one agent per county / location. You will get much better service from a qualified agent that will give you the attention that you deserve as long as the agent believes that you are loyal to him/her as well. Granted, the Bergen County Market is different from the Central Jersey market so in these types of scenarios having a trusted agent in both locations is probably the way to go. My comment is with regards to one area, one qualified agent is worth more than a few agents. ... more
0 votes 3 answers Share Flag
Wed Feb 18, 2015
Michael Dolan answered:
Trulia should be able to pull it from GSMLS. It's better if your agent participates with Trulia but I don't believe it's necessary.
0 votes 1 answer Share Flag
Wed Dec 17, 2014
Robin Raite answered:
I have done a lot short sales and have been very successful contact me to discuss
0 votes 9 answers Share Flag
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