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Union : Real Estate Advice

  • All90
  • Local Info6
  • Home Buying34
  • Home Selling2
  • Market Conditions2

Activity 76
Tue Mar 28, 2017
Newly Minted answered:
While we're at it...

Why use banks? They charge ridiculous fees for doing nothing. "Originating" a loan? Pfft. Save thousands and just give people IOUs. Surely they'll take your word that you're good for the money, right?

Why get title insurance? It sounds unnecessary. The people who live on the property own it fair and square, right? No one is ever going to come back later and make a claim—I mean, how could they?

Appraisers? Bah. I mean, who needs someone's professional opinion about what a house might be worth? It's worth what you think it's worth, just like that $5000 Pinto sitting in your back yard. Why in my day... bread cost a nickel! And that's all I'm payin' for it.

Inspectors? I can look at something and tell whether or not it works. I don't need some jerkwad charging me an arm and a leg to look at my gutters and tell me what I don't already know.

And so on... and so on...
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0 votes 31 answers 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
Niagah casper 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
Sat Dec 13, 2014
noraine_c answered:
It is an amazing and active school. I know this because i have been there from Pre-k to 4th grade before i had to move to Jefferson School then Burnet for 6th grade which im currently in ... more
0 votes 2 answers Share Flag
Wed Dec 10, 2014
Dan Tabit answered:
Your bank will know how long it takes to get this. I'd ask them. Once submitted, it can be 1 to 3 days to get an answer back from your underwriter.
If they like what you submit, you should get a "clear to close" and your loan docs will be ordered. Once your closer has the loan documents, they will do their final calculations and prepare them for signing. You'll be scheduled to come in, bring your down payment and closing costs.
Your lender can fill in the details from here.
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0 votes 1 answer Share Flag
Thu Sep 18, 2014
Victor Kaminski answered:
Wow this is an old post but for people not in the know, if they find a buyer willing to buy as-is and assume responsibility the seller isn't "required" to do anything if your purchase contract has a cap in place on buyer or seller responsibility for repairs over a predetermined dollar amount.

Either way I would not recommend buying a house where it's left up to you to handle environmental issues, especially if it is known that an underground tank is leaking as it can be costly to remediate.

Grants or no grants, remediation can be costly if there is an actual leak depending on the level of leakage and if there is any water sources or neighbors properties contaminated by it.

Only if you're aware of leakage should you report to the NJ DEP and they may force the sellers hand to fix the problem before it get's any worse.
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1 vote 25 answers Share Flag
Wed Aug 6, 2014
Tina Rebimbas Torres answered:
Your Looking for a Broker Current Market Analysis.

Our office does not charge for this.

This should be free.

Call me office if you need assistance -908-688-2828
0 votes 9 answers Share Flag
Wed Aug 6, 2014
Tina Rebimbas Torres answered:
The school assigned to this area is Washington Elementary. The distance is a bit far to walk. But the distance to the train station is very close. An easy walk.
This area is a huge attraction to NYC commuters - most people commuting specifically try to get in this area. Its very close to the Elizabeth Elmora section.

Home sales in this area Range based on condition.

I have seen homes priced low that need to be renovated Capes at 200k in 2013
and Homes newly renovated at 300 -350k So the range is quite large.
The new construction is going 390,400k+

This area is also very close to the YMCA - They have a great summer program as well.

Tina Torres
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0 votes 6 answers Share Flag
Sun Mar 23, 2014
Tina Rebimbas Torres answered:
In my experience just wasted time pricing a home MUCH LOWER than a Offer I already had on a listing from another office. The Bank Required a bid process to see if they got an offer higher than what we had on the table already.

They priced it almost 100k lower on - (To get Clicks to their website) "IN MY OPPINION"
It gives buyers false hope they can get this home at a crazy low price. When they already have an offer sitting around waiting for the process to end. List price on MLS was $180k Offer was $175k put it at 80k for 14 days, required and Open house - NOONE WON THE BID.


I will change this comment when my NEW EXPERIENCE, with them results in a TRUE AUCTION.
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0 votes 4 answers Share Flag
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