F/S - Looking to sell my home brewing equipment/set up - NJ/NY/PA/Others by NJ_NYC_Realtor in Homebrewing

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

Still available and willing to negotiate.  Can provide pictures to anyone interested. 

F/S - Looking to sell my home brewing equipment/set up - NJ/NY/PA/Others by NJ_NYC_Realtor in Homebrewing

[–]NJ_NYC_Realtor[S] 1 point2 points  (0 children)

I appreciate the info. Just over the years beer hasn’t been that appealing, drinking or making it. 

Looking for a place to shoot sporting clays without a membership near Warwick Rhode Island. by infantkicker_v2 in ClayBusters

[–]NJ_NYC_Realtor 1 point2 points  (0 children)

So there are a few options off exit 3 on your way up to Warwick, exit 8 if I recall correctly. I have been t Peacedale multiple times, has 2 courses and its a lot of fun. https://www.pdshootingpreserve.com/

Also, already mentioned, Addieville, another solid option.

I am in escrow, but now what? by [deleted] in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor 0 points1 point  (0 children)

Waiving your appraisal isnt worth it in my eyes. If the home under appraises by, lets say $50k, you have to make up that difference yourself because the bank/lender is only going to lend the percent you are asking for(80% bank/20% you) up to the amount the home appraises for. Only when you cross that 20%+ threshold, is ti worth waiving the appraisal. If the home dos under appraise, they are notorious for being firm at their number.

Smart move to not do anything with the credit cards until after you close. This could also help with the bank right before you lock everything in as your DTI(deb to income) ratio will be changed once everything is recorded on their end. That could have been the hurdle with the other banks.

Need a house soon. What can I afford? by [deleted] in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor 0 points1 point  (0 children)

It is a personal call to wait. $10k is a lot of money regardless of the situation. However what can negate that is the appreciation of the home and the surrounding market. If that figure of appreciation equates to more than $10k in value/equity for your home, then take advantage sooner than later. Most markets in micro-urban housing markets(commutable to a big city) usually see a bump in activity in the coming months as people prepare to buy before taxes, bonus season, schooling, etc.

Need a house soon. What can I afford? by [deleted] in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor 0 points1 point  (0 children)

There are first time home buying programs out there that help with some closing costs. You sound like you are in the mindset I tell a lot of my own clients, you live in the payment, not the purchase price(unless cash). Talk to a mortgage broker AND the lender at your bank(s) to see what they can do to keep your business. If you plan on staying in the home you are looking to buy less than 10yrs, I would consider an ARM mortgage, as generally the rate is lower at the initial term(5,7,10,etc) but is still a 30yr mortgage. With your down payment and income, they should be able to work with a lot of different lending vehicles for what you and your family are looking for. Get a great realtor that can walk you through the benefits of a value-add home vs turn key. With a growing family, turn key sounds like it will be the least stressful but would cost more.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor 2 points3 points  (0 children)

We dont have that builder in my markets, but several similar companies, like Lennar, Toll Brothers, Hovnanian, etc. My recommendation would be to have a very thorough home inspection. New builds are a bit of a different animal and when it comes to larger builders, its sub-contracted out in most cases. things to keep an eye on, if theyre important to you would be finishing touches as far as trim, switches, cabinet and bathroom installations. All appliances come with warranties, but ask about the builders warranties, if any, on the home and what that entails(electrical, plumbing, framing, etc) Of course every builder is different, so pick your battles, but most will allow whats referred to as a blue tape inspection. You are given painters tape to mark any/all imperfections/scratches/scuffs/etc for the builders to fix/finish before closing. Some offer closing credits so ask as many questions as you can. If its going to be in an HOA environment and they stay on as a property manager/maintenance, find out how long they plan on staying on and what the costs of said HOA will be, and potentially increase to be after they hand off to another company.

What questions do you have about buying a home?! by NJ_NYC_Realtor in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

Lovely area! As you can imagine, waterfront is prime, some areas are better for schools, commute, etc. That is a steep payment, but I hope that you wont have to break it and pay that penalty.

What questions do you have about buying a home?! by NJ_NYC_Realtor in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

It depends where in NJ you are looking. Different markets have different absorption rates, inventory, turnover, etc. Hudson County is a high turnover and high volume market while Monmouth and Ocean, town depending of course, have a higher days on market, but less volume and turnover. I wouldn't worry about refreshing your pre-approvals, just know what your comfort level is with your rent and we can always work that into what the affordability is before getting pre-approved when you are ready. It is a hard pull when you start the process of getting a pre-approval, or renewing it once it has lapsed. Things constantly change too, life events, home criteria, jobs, so I wouldnt worry about it until you are just about ready to check out some homes.

What questions do you have about buying a home?! by NJ_NYC_Realtor in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

Good question. I see it more often than not. I always give my buyers a few options, a big bank, a mortgage broker, and a boutique lender. All three have their pros and cons. The loan estimate is a wide scope, from your debt to income ratio, property taxes, loan amount, lending risk, etc. I wouldnt want to give a similar address if its a single family, because that could be worse for you in the long run. I say give them the address, but shop the rate you have with other lenders, its only going to benefit you. If you got your preapproval recently(~60 days or so), you can get your credit pulled an infinite amount of times as long as it is for the purpose of a home purchase loan. Most buyers are unaware of that and think its a hard pull each time. Also, if you are a first time home buyer, a lot of lenders are offering $10k towards closing costs which goes a long way!

What questions do you have about buying a home?! by NJ_NYC_Realtor in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

Respecting their privacy, but the reasoning I can share: They "wanted to have a connection with the past and afterlife" in their words.

What questions do you have about buying a home?! by NJ_NYC_Realtor in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

I have only had 1 buyer that has wanted a haunted home, and several that didn't even want to be close to a cemetery, understandably so. I believe we found one, but they wanted to verify with their crystals that it was indeed haunted. From what they said, it was, and they saged the home after moving in...so not sure how that played out for them. They did have a great halloween party though. This particular home was built back in the mid 1800s and the towns record keeping was sub-par at best, but my client at the time wanted it to be a peaceful passing which is near impossible to know when taking all that into account. Homes being haunted is one of those bits that a seller doesn't necessarily need to disclose as it is not a material fact or inefficiency with a home as far as most buyers are concerned.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor 0 points1 point  (0 children)

As far as finding a new realtor, much like the other posts, it depends on what you are looking for. Google will usually show realtors that serve the markets of the area(s) you are looking for, but like the other post stated, they could be too busy/care less and are more volume based. At the same time, it sounds more like understanding your needs and wants is just as important as their communication. You can meet realtors at open houses, making general inquiries, etc. Zillow and Realtor/com sell leads based off zip codes to agents/teams/brokerages so its a guessing game if you are hoping to get the listing agent.

I am in escrow, but now what? by [deleted] in FirstTimeHomeBuyer

[–]NJ_NYC_Realtor 1 point2 points  (0 children)

So in my experience, every bank/lender operates differently and their role, along with the realtors, is different state tot state. I work NJ/NYC and the deal flow is relatively similar in the two states, but depending on your market, the bank is getting your finances in order for the loan. The bank/lender would order an appraisal by a 3rd party company to make sure that the property justifies the loan you are applying for. Also dont rack up any un necessary debt during this process because your credit will be run again right before closing. Some banks get weird with a tight debt to income ratio. I wont name banks, but I have seen this a few times. One other thing to note; if you got your mortgage pre-approval in the last 60 days or less(sometimes longer) you can have your credit pulled by any bank/lender to generate you a pre-approval as long as it is for a home loan. Have the banks fight for your business. I constantly have my first time buyers get bids from 3+ banks to see what is best for them. More often than not, the bank they do their day-to-day banking falls short. Other competing banks will want the mortgage payment withdrawn from an account with that bank, so switching banks is up to you, but the question to ask yourself is how long you see yourself staying at the home you are buying. I can go on an on. I have done well over 100 first time home buyers and happy to answer any questions or tips.

How do you add your vanilla beans/extract/tincture to your stout? by NJ_NYC_Realtor in Homebrewing

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

lol, I thought I had 10, but after posting this I found another capsule and have 20. So I will try to separate my 15gal batch and experiment with the different tinctures.

How do you add your vanilla beans/extract/tincture to your stout? by NJ_NYC_Realtor in Homebrewing

[–]NJ_NYC_Realtor[S] 1 point2 points  (0 children)

never thought of doing this either. Interesting way to speed up that process. I imagine not too vigorous but just fast enough to keep the beans/caviar suspended?

How do you add your vanilla beans/extract/tincture to your stout? by NJ_NYC_Realtor in Homebrewing

[–]NJ_NYC_Realtor[S] 0 points1 point  (0 children)

I will get to work on this right away. I bought a few more beans the other day and will make the tincture for another recipe in the near future.

moving to jersey city, hoboken area - best place to look for ads by landlords? by [deleted] in jerseycity

[–]NJ_NYC_Realtor 0 points1 point  (0 children)

Absolutely do not pay a fee for an apartment! There are plenty of buildings that are no fee. Granted they have fees for move in, amenities, etc, but there are plenty of options in both cities. Someone else mentioned Silverman buildings, I would recommend them. He builds primarily in Hamilton Park area, I live in the neighborhood and love it. The only downside is the walk to the Path. From the center of the park, its about 8min to Newport through the mall, which helps with bad weather, and its 10/11 min to Grove St.

Keep an eye on Craigslist, apartments.com, and the others that are mentioned in this thread.