James L Steccato's Q&A

Most Agents sell homes in a wide area.We are not restricted to a specific town.I sell in most of Passaic and all of Bergen Counties.Id be happy to help you out just click on my contact information and give me a call or emailBest of luck to you

Robert,Have someone else do another CMA for you without telling them your upgradesCompare the two then calculate the cost of your improvements to the increased value of the CMA.Remember you'll never re-coupe 100% of your investment.Good luck to youJim

mgb1026,Thats a mouthful,Sounds like youre getting a good deal on your refi thats great news.Do the average rents in your complex cover your new monthly payment including maintenance fees?Your credit score is good and your yearly income too.Does your debt to income ratio exceed 41% with both motgages and your other existing debt?You may need to get it rented out before you buy.Theres alot to cover here it would be much better speaking to you in person.Stay away from the arms go 30 year conv.Rates have just jumped to 5.75% in the last two days youve lost quite a bit of buying power.Seller may negotiate a lower price but it will be up to the agent you chose to tell you whether or not the house is priced right.You may have to put in an agressive offer.That is not uncommon right now there are multiple offers and bidding wars in my market.You need to sit with an agent and develop a relationship and trust so that you feel comfortable as to how they advise you to price your offer.Closing cost can be rolled into a sellers concession.They will not outright offer to pay your closing costs unless it is noted in the listing.If you go the seller concession route then the cost will be rolled into your mortgage amount.In this situation be careful of adding the concession and bumping the price above a price the home will appraise for.Id be happy to spend more time answering your questions and strategising with you. Feel free to click on my name and give me a call on my cell.Best Wishes

 Zillow is very transparent about their Zestimates.Scroll to the bottom of most any page you will see this link:Zestimate® Values&Accuracy Click on it then choose your state from the list it will rate the accuracy based on the county you are buying in or selling out of.Bergen County being the worst because of the untimely way that County files sales.They rate by county with stars the more stars the more accurate. Just some info for realtors,sellers and buyers alike.

Jimmy,You contact a realtor from the area.Call me id be happy to pull those for you