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Chinese speaking realtor, mandarin speaking real estate agent, Jersey City, Hoboken, Weehawken, Fort Lee, West New York, Edison, Summit, Short Hills, Millburn, Springfield, Bridgewater, Harrison, New Jersey
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新泽西州华人房地产经纪
New Jersey Chinese Speaking Realtor
Real Estate Agent      
Realmart Realty
(201) 881-6897
alexbao2000@gmail.com 微信 ab8102057
​Line: alexbao2000
新泽西买房,地产经纪,泽西城,泽西市,新泽西房价,Chinese speaking realtor,mandarin speaking real estate agent,Jersey City,Hoboken,Weehawken,Fort Lee,West New York,Edgewater,Edison,Summit,Short Hills,Millburn,Springfield,Bridgewater,Harrison,New Jersey

买房经常问到的问题  BUYING HOME FREQUENTLY ASKED QUESTIONS 


如有买房卖房问题,可以随时电话咨询 Alex Bao (201) 881-6897
Q. How many homes should I plan to view and how should I make the final decision?
A. While exploring your needs and wants fully is a good idea for focusing your search and saving time, viewing a number of homes will help you become familiar with what you can expect to get for your money. Going to open houses during weekends at the beginning. Normally you should see 10-15 selected houses by your Realtor according to your home criteria. 

Q. How can I check my credit rating before I apply for a mortgage? 
A. Your credit rating is based on a combined score generated from three credit bureaus who look at your credit history, amount of credit available, and recent inquiries to determine what's called your FICO score. A smart way to go is to contact a Weichert Gold®Services Manager at your local Weichert office to check your rating for you and, if appropriate, suggest ways for you to improve your credit. For a small fee, you can get your score or review your credit report by going online to www.myfico.com

Q. Why should I consider paying points?
A. Buyers often choose to pay a one-time charge called mortgage "points" in exchange for a lower interest rate. Usually paid at closing, each "point" costs 1% of the mortgage amount, or $2,000 on a $200,000 loan. The lower rate reduces the monthly mortgage payment, and points paid in conjunction with the purchase of a home are generally tax-deductible in the year they're paid (see tax advisor). Monthly savings will often exceed what was paid in points in just a few years' time.

Q. What is the purpose of an attorney review?
A. In New Jersey where the real estate agent writes the contract, there may be an attorney review period. This specified period allows the attorney to cancel the contract or request it be altered. Both buyer and seller would then have to agree to the revised contract in writing. During this period, either party may void the contract without penalty.

Q. What is title insurance and why do I need it?
A. Basically, title insurance assures that you have clear title to the home you're purchasing. A title search is the primary component of "due diligence," a process that will be started either by your attorney, if you are using one, or by the title company you choose. The title search determines whether the seller actually owns the property and if there are any claims against it.

Q. What happens if the house I want to purchase does not appraise at the amount expected?
A. . If the house doesn't appraise at the amount expected, other alternatives are typically found. A second appraisal may be sought, the buyer may be willing to put more money down, the seller may adjust the price or offer other concessions, or the two sides may negotiate to split the difference between them.


鮑博士谈在曼哈顿工作在新泽西买房              鮑博士講新澤西購屋必須注意的事項              新泽西买房采用的几种出价策略

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 联系方式
 手机:(201) 881-6897 
 微信:ab8102057
 电邮:alexbao2000@gmail.com

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Jersey City Hoboken Weehawken Harrison Edison Summit Short Hills Chinese realtor mandarin speaking real estate agent

锐马地产 Realmart Realty

Corporate Office
27 Bleeker St
Millburn, NJ 07041
Contact Alex Bao:
Phone: 201-881-6897
Email: alexbao2000@gmail.com
WeChat: ab8102057
​Line: alexbao2000

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