Profile picture for Elzbieta "Ela" Ravin

Elzbieta "Ela" Ravin

Premier Agent

15 Recent Sales (last 12 months)

Realtor, ABR, CNE (8 years experience)

Buyer's Agent,
Listing Agent,


  • (58 Contributions,
  • 2 Best Answers,
  • 8 Helpful)

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Qualify for third mortgage?


[deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]Good luck!

What is the proper way to make an offer on a short sale?


The paperwork process can vary between regions of New York, New Jersey.  Some areas use Offer to Purchase Forms and others use Fill-in-the-Blank Contracts for Sale.Typically, you will provide your agent with the following information for them to relay to the seller's associate regarding the paperwork required in their marketplace:The amount you are willing to payMortgage amountClosing and occupancy datesContingencies, such as obtaining a mortgage, building inspections, and pest inspections to include where appropriate (but not limited to): termite, pest, radon, well, lead, septic, oil tank, etcOnce the seller has agreed to your offer and send it to the bank for approval, the Lenders can often take several months to respond. Some experts recommend giving the lender a response deadline, but the lender might simply ignore this. Once the lender responds, be prepared to increase your offer. The bank almost always counters at this price. However, you usually don't get this counter until a few months down the road.

How does rent to own work?


Renters pay a certain amount each month to live in the house, and at the end of a set period, they have the option to buy the house.

when was my home built?


Please call your Assessor's office for your town and ask that queastion. Good luck!