A Trusted Name in Real Estate Since 1931 251 Ridge Road
Lyndhurst, NJ 07071
(201) 438-3120
A Trusted Name in Real Estate Since 1931 (201)438-3120

Some useful tips when purchasing your new home...

Buying a home can be a real headache. We realize that you don't have much time to decide on all the little things that make a home a dream home. So let us help you and find you the home that's right for you and make your dream home real.

Decide To Buy.

Are you ready to buy a home? Ask yourself these questions:
  • What are my personal reasons: growing family, want to move closer to work or school?
  • How long do I plan to own this home?
  • Do I have enough cash for a down payment, closing and moving costs?
  • Can I afford to carry a monthly mortgage and still pay my bills?
  • Do I need the tax break?

Get Organized.

It pays to get organized. Put your finances in order, get pre-approved for a loan, and you'll know what you can afford to buy.
  • Credit data: Check your credit and correct any credit problems you may have before the lender gets your credit report.
  • Loan documents: Gather financial information the lender will request: Copy of the purchase contract, last two tax returns, pay stubs for the last 30 days, etc.
  • Real estate listings: Use Find A Home under the Buyers section to get New Jersey Real Estate Listing online.
  • Inspection reports: An examination of a home's exterior, foundation, framing, plumbing, electrical system, heating, kitchen, bathroom, roof and interior.
  • Insurance Information: Choose insurance wisely and cut your insurance costs.
  • Get Pre-Approved: Gives you an estimate of how much you can borrow and puts you in a better position to buy.

Protect Yourself.

When you're ready to write up an order of purchase, make sure you include a few contingencies, or conditions, in the contract that will allow you to cancel the sale and get your money back if something goes wrong.
  • A Financial Contingency: It cancels the sale if you are unable to get a loan after making a good-faith attempt to get one.
  • An Inspection Contingency: It cancels the sale if an inspector uncovers serious problems or you can't reach an agreement with the seller to make needed repairs.
  • A Title-Inspection Contingency: It puts the duty on the seller to provide clear title to the property in order for the sale to go through.

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**The information contained on this page is for estimation purposes only. Payment amounts must be obtained from your mortgage lender. Peach Realestate has no liability for the accuracy of the information contained on this page.