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Old Bridge : Real Estate Advice

  • All137
  • Local Info17
  • Home Buying52
  • Home Selling7
  • Market Conditions9

Activity 82
Sun Jan 5, 2014
Javier Meneses answered:
Another broker? Sounds like a mess. You should really reconsider the people you're trusting with your mortgage if you feel that they are not handling it responsibly.

This is a refinance that should take 3-4 weeks all together.

If my response was helpful, consider clicking BEST ANSWER!

Javier Meneses
Senior Loan Officer
NMLS #23130
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
jmeneses@snb.com
(516) 606-9648
... more
0 votes 6 answers Share Flag
Wed May 15, 2013
Javier Meneses answered:
This is almost the same exact scenario as one of my wife's relatives. She ended up buying an existing home in Monroe. Taxes up there are just as high as we have here in Nassau &; Suffolk County. Have you been pre-approved yet? Consider a lender in the NYC area so that you're able to meet a Loan Officer face-to-face.

My company is a NYC based bank. I'm always available to meet in person and go over your mortgage options. Even if you're looking to do something 12 or so months from now, it's probably wise to make sure everything is in order as far financing. Also, if you're purchasing a new construction, you might want to look into the possibility of locking your rate now (because they're much lower than what they'll be a year from now) that cover you all they way to the move in date. Feel free to contact me with any questions. Good luck!

If my response was helpful, consider clicking BEST ANSWER!

Javier Meneses
Senior Loan Officer
NMLS #23130
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
jmeneses@snb.com
(516) 606-9648
... more
0 votes 3 answers Share Flag
Thu Feb 7, 2013
Richard Adamski answered:
Hi.

Each unit has a different HOA. This particular unit is $375 per month. Falston circle is very popular in this community. I have been in a number of these units that are and were for sale. The layout is great, open concept. Master bedroom is huge, with a great size on suite and closet space. A great place to live or rent!

If you would like additional information or to view this property please feel free to call or email me.

Rich Adamski
908 839 9634 (cell)

732-679-5661 (office)

Rich@EllenRosenbaum.com

Ellen Rosenbaum Real Estate Inc
... more
0 votes 1 answer Share Flag
Wed Apr 24, 2013
Richard Adamski answered:
Hello,

Your choice of areas are great. As far as school areas, I would suggest, Old Bridge, Matawan, Sayreville and Aberdeen.

If you want to talk, give me a call. I can get some more information and hook you up with a mortgage professional if you need.

I will run a search and direct all my knowledge for you. Your price range is good, we can find many properties.

I work with Ellen Rosenbaum Real Estate.

My cell is 908 839 9634

And office 732 679 5661

I look forward to helping you out.
... more
0 votes 8 answers Share Flag
Wed Jun 5, 2013
Richard Adamski answered:
Hey!

Sayrewoods south is the popular section in Old Bridge. It's close to everything, walking distance to rt 9 bus system, driving to route 18 and close to rt 516. There are many different types of homes in sayrewoods south. Some with basements, some with converted garages and some with huge back yards.

This section is very nice! Very safe! I grew up in Old Bridge and went through their school system. I don't have any complaints! Great Teacher's, activities and sports. They have special programs if your child excels in academics.

Sayrewoods south is close to the YMCA, Geick park and VETS park. These parks offer play grounds, basketball Cory's, tennis, volley ball, softball.. You name it and its probably there!

If you want to know more give me a call or email me personally. I'm a real estate agent in Old Bridge, I know the area like the back of my hand.

908 839 9634

Or email me

Rich@ellenrosenbaum.com
... more
0 votes 6 answers Share Flag
Thu Sep 24, 2015
Paul Kimmel answered:
The top 5 questions to ask depends what aspect of the purchase you are addressing.

Initially you might have financial questions such as how much home can I afford?
What is the best type of financing is available for me?
Financial advice is best when it comes from a professional financial source.

Once you know your price range the next question may be how I can find the right home?
Your best bet is look for a real estate professional they can make the process easier by guiding you
through the entire process .

Legal issues need to be addressed, is the property I want to buy free of defects in the title?
Are there any physical defects with the property that need to be addressed?

The list of questions can go on and on.

I hope this helps you.

Paul Kimmel
Realtor Associate
DINEEN REALTY
3 Parlin Dr
Parlin, NJ 08859
Phone: 732-613-9300
Cell: 732-822-5310
kimmelproduction@yahoo.com
... more
0 votes 2 answers Share Flag
Wed Jan 9, 2013
Richard Adamski answered:
Its between the landlord and you (renter). I don't see it being an issue. If you have no debt, decent income and paid bills on time. You will be fine. You're not getting a mortgage and it shouldn't be an issue unless the landlord says no. I can help you out, give me a call. 908-839-9634. Thanks. ... more
0 votes 5 answers Share Flag
Tue Feb 5, 2013
Terry McCarley answered:
It will depend on a variety of factors including how much the income is, your debt and numerous other things. Contact a local lender to discuss your individual situation to see if you can qualify. ... more
0 votes 4 answers Share Flag
Wed Jan 1, 2014
answered:
Why are you being quoted a high 3.75% interest rate? Is it a condo? you should be able to drop 2% in rate (depending on credit score, income, and equity). Do you know if you are eligible for HARP 2.0? If your loan is fnma or freddie mac prior to 5/31/09, you may not need an appraisal. Feel free to reach out to me for further questions. Best of luck!

Joseph S. Cordova
NMLS# 146855
Evesham Mortgage, LLC
22 South Maple Avenue
Marlton, NJ 08053
office: (856) 985-9944 ext. 103
direct fax: (206) 333-0946
cell: (856) 304-2381
jcordova@eveshammortgage.com
Apply online at: www.joecordova.com
... more
0 votes 8 answers Share Flag
Tue Sep 18, 2012
Ron Thomas answered:
This is really a question for a Real Estate Attorney:

I believe that the Creditor would have to file a LIEN againgst the Property, but I am not 100% certain of that. Your local and State laws might make a difference.

Talk to an Attorney.
... more
0 votes 1 answer Share Flag
Tue Sep 18, 2012
Helene Jeanette answered:
Oh yes. Many people have a second mortgage or HELOC and may have a mechanic's lean or judgment for other work done, or possibly condo association. And if taxes or public utility bills are not paid, those will be leans against the property as well. Doesn't mean they will all get paid, but they do have claims. This is why if you are buying any house, you need your attorney to ensure you have clear title and why you will purchase Title Insurance to guarantee to the new mortgage lenders that you own the property should they have to foreclose. ... more
0 votes 2 answers Share Flag
Tue Sep 11, 2012
Jennifer Blanchard answered:
A mortgage is a 1st lien holder. A 2nd lien holder is a sub-lender - if a person has a home equity line of credit or a second mortgage, those lenders are considered 2nd lien holders. Does that answer your question? ... more
0 votes 1 answer Share Flag
Tue Sep 11, 2012
Elisa Dewees answered:
When an owner has either more than one mortgage (second mortgage usually called a Home Equity Loan) or a line of credit against the home. There could be other lienholders which have claims to the home. The first lienholder is typically the bank who holds the primary mortgage. ... more
0 votes 1 answer Share Flag
Mon Sep 10, 2012
Witkowski asked:
Mon Sep 10, 2012
Witkowski asked:
Tue Sep 11, 2012
Andrew Tisellano answered:
it means the owner has 2 loans on his property from different banks
same as 1st mortgage and 2nd mortgage one may be for 80% the other for 20% of original purchase price.
0 votes 5 answers Share Flag
Sun Jan 5, 2014
Tim Moore answered:
Wed Aug 15, 2012
Mary Petti answered:
They get paid first . It's that simple.
0 votes 4 answers Share Flag
Wed Jun 20, 2012
Matthew Simone answered:
you will have to call the town and see what they have to say. Thats where I would start.

Matthew Simone
All Towne Realty
732.320.6299
0 votes 1 answer Share Flag
Wed Apr 24, 2013
John Sacktig answered:
Rent-to-own does not really exist and if it does exist, there are no bargains. The houses / apartments are usually overpriced and sold to people that can otherwise "not" purchase a home and are somewhat taken advantage of. The chances of the rent to own scenario is probably not going to happen.

What will happen is you will get a whole bunch of Realtors telling you they can do it or have done it and really will be looking to sell you something else. I am sure that there will be a bunch of people saying that I do not know what I am talking about and blah, blah, blah.. but, lets speak the truth. I have not seen one good rent-to-own situation that has worked.

Email me, lets talk and about where you are financially, credit, employment and if there are issues maybe we can find you a program where you can find a mortgage and buy a home. They do exist!
... more
0 votes 7 answers Share Flag
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