Shopping for a home always starts with two things, a realtor and a mortgage broker. The realtor wants to know where to look and what to spend. The mortgage broker helps you figure out how much you can spend.
Karla Cino is one of the finest Realtors I know. She works hard for her clients. Give her a call, she will help you find or sell your home. She makes the Real in Real Estate a Reality.
www.KarlaCino.com
Mike Catania is "one great mortgage broker" from one "great bank" taking care of clients one at a time.
www.BogotaSavingsBank.com
And when you find your home you will want to make an offer. Both sides agree to a purchase price and a few terms. It is suddenly time to find an Attorney to draw up a contract.
Jim Foley's business is real estate transactions. He will fight for you, he will counsel you through the difficult process of negotiation and he will help keep everyone in the process on track to help you close the deal. I have heard people refer to Jim as the "finest attorney on God's green earth" more than once.
After attorney review you will be advised by everyone to get a home inspection.
The most common inspection package is the Home Inspection, Radon Test and Wood Destroying Insect inspection.The Home Inspection is for your Knowledge and Comfort. The Radon test is for your family's health and safety. The Wood Destroying Insect inspection is generally required by the mortgage company, so plan to have this done.
The mortgage company will request an Appraisal after the contract comes out of Attorney review.
The Costigans have been in business in the North Jersey area for years and they understand the trends, ebbs and flows of the real estate market. Big or small they appraise it all!
www.costiganappraisal.com
Then a week before the closing everyone will remind you that you need home owners insurance prior to closing, so you can show proof of insurance to the mortgage company at or before the closing.
Robert Fortsch, he works for "Pru" but he really works for you. Let Bob insure your home. He has many super insurance products, just tell him what you need.
