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Home Buying in Bergen County : Real Estate Advice

  • All112
  • Local Info7
  • Home Buying60
  • Home Selling6
  • Market Conditions5

Activity 553
Thu Aug 9, 2012
Kevin Dawli answered:
Hi Sal and Arlyn,

I have lived in Elmwood Park my self and consider it to be a nice town. As you already know, The location is great with easy access to all major highways and good public transportation to the city.
In addition, the property taxes are below average.
I'm attaching a link below where you can get accurate information about schools in this or any other town. The site is called: great schools.org.
The schools are ok but if you are willing to spend a little more for a house any pay more taxes then I would suggest Fair Lawn which has good schools.
You can get more information about the town from it's own public website.
I would be more than happy to provide you with a list of homes that would fit your family's housing needs but I would need to get more information about your specific needs and wants.
Feel free to contact me at 201-414-6777 or email at kdawli@yahoo.com.

http://www.greatschools.org/?google_pid=gsenter1&s_cid=brand1
Regards

Kevin Dawli
Weicgert Realtors
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0 votes 3 answers Share Flag
Wed Mar 20, 2013
John Westrich answered:
Are you still in the market for a property? Cambridge Heights is very lovely. Let me know if I can assist.
0 votes 1 answer Share Flag
Tue Aug 7, 2012
Eddie Norman Narvaez answered:
Rentals are going pretty fast. If you list it at the right price it should go quick.
Also, many agents are now asking the landlord to pay the broker fee, or
atleast split the difference. Just a thought. ... more
0 votes 3 answers Share Flag
Sat Jul 7, 2012
Roberta Whitley Gomez answered:
Hi, Kang. I grew up in New Milford and I'm a Realtor in town. The Brookchester Apt. Complex has quite a mix of peoples. There are many young adults saving to buy their first home and also many elderly people who like the location as it is a short walk to the Shop-Rite and Brookchester Shopping area. I grew up on the north side of town and now live on the south side of town near Brookchester Apts. and I have never had a problem. I would be happy to work with you and to advise you.
Feel free to call us anytime.
Whitley Realty
201-967-1500
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0 votes 2 answers Share Flag
Wed Nov 21, 2012
Jennifer Parsekian answered:
Taxes are something that home buyers and sellers struggle with because there are many factors that go into the assessment. Two homes that are fairly equal in terms of location, bedrooms, baths and square footage, can be assessed differently depending on when work was done, and what comparables were available when a assessment was being done etc....The homes in Orchard school are not assessed lower although those homes that are are thankful that they have a "tax break".

If you have any other questions you can email or call me...jparsekian@tarvinrealtors.com, 201-213-9018 c.
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0 votes 3 answers Share Flag
Fri Jul 20, 2012
Sharon Scala answered:
Please contact me at sscala@leconterealty.com or 201-679-9644. I need a little more info to help you with your search. Thanks.
0 votes 5 answers Share Flag
Thu Jun 21, 2012
Deborah Madey answered:
Property tax appeals must be filed during the filing period of Jan 1 - March 31 of each calendar year, with minor tweaks to those exact dates for holidays.

You can file a tax appeal in early 2013. Any tax changes will be effective for 2013, but not retroactive. ... more
0 votes 4 answers Share Flag
Tue Apr 23, 2013
Janet Nation, CBR answered:
Hello,
The minimum down payment will be 3.5% for a FHA loan and you can possibly finance a portion or all of your closing costs which will allow you to hold on to more of your money, however, your monthly mortgage payments will be higher.

Now that you have a pre-approval the next step is to find a real estate agent that you feel comfortable with and is familiar with the location/s where you want to purchase. It would be beneficial to you if that agent is a buyers agent, and will work in your best interest during your real estate experience. Ask a couple of friends, associates, coworkers or family which agent they have used in the past and liked.
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0 votes 8 answers Share Flag
Sun Mar 26, 2017
Elizabeth and Jack Roditi answered:
I have had excellent success with this mortgage broker who has been able to get lending for a couple of very difficult deals recently. One has already closed and we are awaiting the closing date for the second loan which will happen in the next week.



Rhonda Conte

Phone: 914-339-6010

Cell: 845-821-5838
Fax: 914-885-1773
108 Corporate Park Drive, Suite 301
White Plains, NY 10604
www.ghmc.com

Liz Roditi
Prominent Properties Sotheby's Inernational Realty
eroditi@optonline.net
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0 votes 16 answers Share Flag
Thu Jun 14, 2012
Mary Petti answered:
IB,

Are you buying a for sale by owner where there is no listing agent in addition to your not having an agent?

If so then I suggest you pay for and obtain an appraisal from a licensed appraiser to see what the current fair market value of the home is. I highly doubt an agent will just provide you with a market analysis so you can make an offer on the home, and he/she will not be paid to help make the sale happen.

Either that, or if the seller is willing to pay an agent of your choice, GET AN AGENT, and have him/her do the market analysis, then present to offer to the seller.

A buyer and seller with no agent representation can get tricky at best, and just plain bad at worst.
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0 votes 3 answers Share Flag
Fri Jul 6, 2012
Harriet Lewis answered:
Hello:

There are several 2 family homes currently on the market with a starting range of $325,000 and up depending on repairs and size. There are others just under $500,00 and up needing less repairs. As am a very experienced real estate agent, I am certain I can help you with properties in Ridgefield or anywhere else. Please contact me at any time. Thanks. Harriet Lewis-Trulia Top Recommended Agent-(201)467-5738 and (201)707-5640(Cell) hrlconsult@yahoo.com ... more
0 votes 1 answer Share Flag
Tue Jun 3, 2014
Ian A. Wolf answered:
The best program still out there for 100% financing is the USDA Financing Program. The areas must be considered a USDA area(rural) to qualify. This site will help you get additional information:

http://www.rurdev.usda.gov/nj/lever.html

Hope that helps.
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0 votes 10 answers Share Flag
Thu May 23, 2013
Diane Mcvey answered:
It would be helpful to know what amount you have been pre-approved for since there is a wide range of homes available.
0 votes 4 answers Share Flag
Fri May 25, 2012
Robin Silverberg answered:
There are many loan officers like myself who answer questions on Trulia. You can look through some of those answers to see if there is someone who you think will be the right one to work with you.
Any loan officer who works for a non-depository lender, meaning not a bank where you would have a savings or checking account, has to be licensed in the states that they handle loans in. I am licensed in NY, NJ and CT.
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0 votes 3 answers Share Flag
Tue Feb 26, 2013
Robin Silverberg answered:
I get co-op loans for people all the time, and the vast majority have no problem getting approved by the co-op board. Over the years, I have learned that there are times when I can get someone approved for a loan, but it is less likely that a board will approve them with the higher debt-to-income that they have, so I advise them to do as much checking as they can before-hand to see if it is likely they will pass the board.
As far as down payment goes, it varies by the co-op. There are many that will do 90%, especially in the suburbs, however I have one client now who's co-op only allows 75% financing, and have heard of others that won't allow you to have a loan.
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0 votes 8 answers Share Flag
Sun May 27, 2012
Maria FORSBERG-VILLON answered:
Sorry I can not give u legal advise and it is hard to understand the situation from what you have written. Many homes have fraudulent paperwork and are foreclosed without all necessary documents and sometimes the deal gets canceled. You will have to turn to your attorney to follow up with the details! ... more
0 votes 4 answers Share Flag
Thu May 24, 2012
Roland Vinyard answered:
I'd say it is borderline, but within the borders. If it were the buyer's attorney, that would be on the other side. You could say that - in some respects - the seller and the board are legally the same. ... more
0 votes 3 answers Share Flag
Tue Dec 25, 2012
Gina Chirico answered:
If your mortgage was discharged with the bankruptcy in 2009 - why didn't the bank accept a deed in lieu of foreclosure 2 1/2 years ago? They actually went through the entire foreclosure process? Did you reaffirm the debt of the mortgage during your bankruptcy or it was discharged as part of it or did you live in the house without paying your mortgage for all that time before they actually foreclosed?

I would think a loan officer/mortage rep would know more about qualifying for a mortgage sooner than the 3 year period.
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0 votes 5 answers Share Flag
Wed May 23, 2012
Vanessa Diaz answered:
Hi Andrew,

Was there a unit you were looking into in particular on Trulia? The last I looked, the condo fees were around $533. However, I would need to double check on that. Do you have an agent? If so, your agent would be able to provide you with that information. If you don't have an agent, feel free to give me a call and I will provide you with all the details, including other condos for sale in the area. Give me a call or email me: 610-570-0808 or forerovanessa@yahoo.com

Best of luck!!
Vanessa Diaz (Santiago)
Licensed Realtor
Public Trust Realty Group
http://www.publictrustrealtygroup.com/
363 Cedar Lane, Teaneck, NJ 07666
610.570.0808 (Cell)
201.357.5525 (Office)
201.353.8180 (Efax)
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0 votes 2 answers Share Flag
Sun May 20, 2012
Ibrahim Hughes answered:
As a wholesaler (or a rehabber for that matter) I don't think the listing price factors into that formula.

When investing I use ARV (After Repair Value) x .07 (I prefer .06 or .065 max) - Repairs - Wholesale Fee = MAO (Maximum Allowed Offer).

Interesting (I guess) if the listing price is used with that formula but I haven't seen it in my 12 years of Investing. Not sure if it's even necessary.
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