Buyer's Tip:

1.        Prequalify for a loan
Being prequalified for a loan determines how much house you can afford. It also allows you to move more swiftly when you find the right house, especially when you aren't the only interested buyer.

2.        Shop for mortgage rates and terms
A difference of even half a percentage point can make a huge difference in how much you pay over the life of a loan. For example, the difference in the monthly payment on a $100,000 mortgage at 8 percent vs. 7.5 percent is about $35 per month. Over 30 years, that's $12,600. Please contact the professional mortgage representative, Carol Young of
Hudson City Savings Bank 973-984-7705, to get more information.

3.        Using a buyer agent
A buyer agent is legally responsible for representing the buyer's interest in a real estate transaction. Generally, the buyer agent is compensated by the seller at the time you purchase a new home. There are some limitations to using a buyer agent, however. Before you decide, have a Realtor explain the advantages and disadvantages of using a buyer agent.

4.        Features that help or hurt resale value
In some areas, a swimming pool actually detracts from a home's value and makes the home harder to sell. In neighborhoods with two-car, attached garages, a single-car or detached garage may impact the home sale and future value. Your Realtor can point out features that hurt, as well as those that help, resale value.

5.        Rate the houses you tour
After touring each home, write down what you liked and didn't like. Develop a rating system which will help you narrow the field down to the house that's the best for you.

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Seller's Tip:

1.        Make the Most of that First Impression
A well-manicured lawn, neatly trimmed shrubs and a clutter-free porch welcome prospects. So does a freshly painted – or at least freshly scrubbed – front door. If it’s autumn, rake the leaves. If it’s winter, shovel the walkways. The fewer obstacles between prospects and the true appeal of your home, the better. Find a landscaper or painter to help.

2.        Invest a Few Hours for Future Dividends
Here’s your chance to clean up in real estate. Clean up the living room, the bathroom, the kitchen. If your woodwork is scuffed or the paint is fading, consider some minor redecoration. Fresh wallpaper adds charm and value to your property. If you’re worried about time, hire professional cleaners or painters to get your house ready. Remember, prospects would rather see how great your home really looks than hear how great it could look "with a little work." Find a cleaning service or handyman to help.

3.        Check Faucets and Bulbs
Dripping water rattles the nerves, discolors sinks, and suggests faulty or worn-out plumbing. Burned out bulbs or faulty wiring leave prospects in the dark. Don’t let little problems detract from what’s right with your home. Find a plumber, electrician or general contractor to help.

4.        Don’t Shut Out a Sale
If cabinets or closet doors stick in your home, you can be sure they will also stick in a prospect’s mind. Don’t try to explain away sticky situations when you can easily plane them away. A little effort on your part can smooth the way toward a closing. Find a handyman to help.

5.        Think Safety
Homeowners learn to live with all kinds of self-set booby traps: roller skates on the stairs, festooned extension cords, slippery throw rugs and low hanging overhead lights. Make your residence as non-perilous as possible for uninitiated visitors.

6.        Make Room for Space
Remember, potential buyers are looking for more than just comfortable living space. They’re looking for storage space, too. Make sure your attic and basement are clean and free of unnecessary items. Find a contractor to help.

7.        Consider Your Closets
The better organized a closet, the larger it appears. Now’s the time to box up those unwanted clothes and donate them to charity.

8.        Make Your Bathroom Sparkle
Bathrooms sell homes, so let them shine. Check and repair damaged or unsightly caulking in the tubs and showers. For added allure, display your best towels, mats, and shower curtains. Find a contractor to help.

9.        Create Dream Bedrooms
Wake up prospects to the cozy comforts of your bedrooms. For a spacious look, get rid of excess furniture. Colorful bedspreads and fresh curtains are a must.

10.     Open up in the Daytime
Let the sun shine in! Pull back your curtains and drapes so prospects can see how bright and cheery your home is.

11.     Lighten up at Night
Turn on the excitement by turning on all your lights - both inside and outside - when showing your home in the evening. Lights add color and warmth, and make prospects feel welcome.

12.     Avoid Crowd Scenes
Potential buyers often feel like intruders when they enter a home filled with people. Rather than giving your house the attention it deserves, they're likely to hurry through. Keep the company present to a minimum.

13.     Watch Your Pets
Dogs and cats are great companions, but not when you're showing your home. Pets have a talent for getting underfoot. So do everybody a favor: Keep Kitty and Spot outside, or at least out of the way.

14.     Think Volume
Rock-and-roll will never die. But it might kill a real estate transaction. When it's time to show your home, it's time to turn down the stereo or TV.

15.     Relax
Be friendly, but don't try to force conversation. Prospects want to view your home with a minimum of distraction.

16.     Don't Apologize
No matter how humble your abode, never apologize for its shortcomings. If a prospect volunteers a derogatory comment about your home's appearance, let your experienced RE/
MAX Associate handle the situation.

17.     Keep a Low Profile
Nobody knows your home as well as you do. But RE/
MAX Sales Associates know buyers - what they need and what they want. Your RE/MAX Associate will have an easier time articulating the virtues of your home if you stay in the background.

18.     Don't Turn Your Home into a Second-Hand Store
When prospects come to view your home, don't distract them with offers to sell those furnishings you no longer need. You may lose the biggest sale of all.

19.     Defer to Experience
When prospects want to talk price, terms, or other real estate matters, let them speak to an expert - your RE/
MAX Sales Associate.

20.     Help Your Agent
Your Agent will have an easier time selling your home if showings are scheduled through his or her office. You'll appreciate the results!

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Comparative Market Analysis -- To assure you that your property is marketed to its fullest potential and to obtain the highest possible market value.

1.        Prepare CMA to establish fail market value

2.        Prepare and sign listing contract

3.        Send listing contract to MLS board

4.        Place 'For Sale' sign on property

5.        Place lock box on property, if needed

6.        Mail 'Just Listed' flyers to neighborhood

7.        Place 'Open House' ad in local paper

8.        Phone all potential buyers with details of listing

9.        Hold open houses

10.     Arrange showings for other agents

11.     Contact you regularly with verbal progress reports

12.     Review marketing activities with owner

13.     Pre-qualify potential buyers

14.     Present and discuss all offers on property with owner

15.     Negotiate the transaction with other agent

16.     Finalize the closing

17.     Arrange for relocation agent, if required

18.     Arrange for moving company

19.     Other services...

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Mortgage Information:

  • Alon Tabak
    Bank of America
    Tel: (732) 221-5518
    Fax: (886) 923-8496

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Legal Information:

  • Valerie F. Avrin
    1 Bethany Road, Building 3, Suite 45, Hazlet NJ 07730
    Tel: (732) 888-1202
    Fax: (732) 888-9295

  • Muhua Yu
    Turnpike Plaza, 197 Route 18, Suite 309, East Brunswick NJ 08816
    Tel: (732) 418-8865
    Fax: (732) 418-8879

  • Barry Guberman
    654 Newman Springs Road, Suite F, Lincroft NJ 07738
    Tel: (732) 936-9666
    Fax: (732) 936-9671 or (732) 936-9198

    * name list ordered by last name

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Community Information:

1.        Search From Yahoo

2.        Search From

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Estimate of Closing Costs

WARNING: This is only an ESTIMATE and it is for a normal transaction that does not involve any litigation. This estimate does NOT table into account any closing cost required by your mortgage lender. This estimate does NOT take into account any closing adjustments (property tax, water/sewer, association dues, etc) between you and the seller. Furthermore, the actual cost varies from case to case.


Attorney Fee:



Travel Fee (If closing outside office but in NJ):



Travel Fee (If closing outside office but in NY):



Recording Fees (1 Deed, 1 Mortgage and 1 Set of Notice of Settlement):



Miscellaneous Fees (Fax, Postage, Photocopies, And Telephone):



Overnight Delivery (For 3 packages not applicable if cash deal):



Title Insurance:




$350.00 - $400.00
$200 (If condo)


Wire Transfer (If applicable):


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Moving Checklist

Change of Address

Family and Friends

Schools / Workplace

Church / Service


Post Office

Internal Revenue Services

Credit Cards

Legal Documents

Driver's License

Church / Service

Vehicle Registration

Voter Registration


Checking Account

Savings Account

Certificates of Deposits

Safety Boxes

Medical Records

Doctor's Office

Savings Account

Dentists Office






















Packaging Form

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