13 Nelson Place in Nutley New Jersey


Nutley Real Estate | Nutley Homes For Sale | Nutley Realtor


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Market Stats

$349,000
Single Family Home
Main Features
3 Bedrooms
2 Bathrooms
1 Unit
Location
13 nelson Place
Nutley, NJ 07110
USA
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Matthew DeFede

Matthew DeFede

Coldwell Banker Residential Brokerage
(973) 778-4500
mdefede@optonline.net
http://www.HomesInNutleyNJ.com

Listed by: Coldwell Banker Residential Brokerage

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    I use all the latest selling tools and technology to market your home in Ridgewood, Glen Rock, Franklin Lakes & Wyckoff  ie: Web, Social Media, Text Alerts, Personalized direct mail and more. I also use the conventional means as well, I like to create a buzz around your home or real estate you are selling and I treat it just like we would a marketing campaign in Bergen County, combined with the Coldwell Banker Residential Brokerage Brand I Market Your Bergen County Real Estate Several Different Ways, Web, Social Media, Print, TV, Radio, Ask about our “LEAD ROUTER DIRECT RESPONSE” Marketing Program & our Coldwell Banker Home Warranty.

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        Can You Still Buy with No Down Payment on a Home?

        For many 1st time home buyers requiring down payment assistance, the idea of putting the traditional 10 or 20 percent down on a home purchase can leave them feeling drained or hopeless. Will they have to sacrifice their dream neighborhood or home size simply to afford a pricey down payment?

        Fortunately, it may be possible for certain buyers to put no down payment on a home and still qualify for a competitive loan. Whether you are short on cash or just don’t want to spend your cash on housing, 100 percent financing can be an attractive option for first time buyers.

        Prior to 2007, putting no down payment on a home was a common option for 1st time homebuyers. However, with mortgage lending practices coming under fire in recent years, the option to finance 100 percent has lost popularity. Yet there are still programs available to 1st time home buyers requiring down payment assistance who meet certain eligibility requirements.

        100% Financing Options û No Down Payment
        USDA Loans – A USDA Guaranteed Loan is a Government insured 100 percent purchase loan. These USDA Guaranteed Loans are only offered in rural areas and serviced by direct lenders that meet federal guidelines. While they may be an attractive option for first time home buyers, there are income restrictions and loan limits that first time home buyers must meet.

        VA Loans – The Department of Veterans Affairs (VA) backs loans provided by certain lenders to help qualified veterans, reservists and active-duty service members to finance their homes. For those first time home buyers that qualify, there are flexible income, debt and credit requirements.

        ADDI Program – The American Dream Down Payment Initiative (ADDI) provides down payment, closing costs and rehabilitation assistance to eligible individuals. The amount of ADDI assistance provided may not exceed $10,000 or six percent of the purchase price of the home, whichever is greater. To be eligible for ADDI assistance, individuals must be 1st time home buyers interested in purchasing single family housing. Additionally, individuals who qualify for ADDI down payment assistance must have incomes not exceeding 80 percent of area median income.

        90%+ Financing Options
        FHA Loans û FHA Loans offer a 30-year fixed-rate loan for first time home buyers with a 3.5 percent down payment. The down payment can be a gift from a family member or other grant program, and there is a maximum mortgage amount for each county.

        Fannie M’ HomePath Loans û Fannie M’ HomePath offers a five percent down payment program on many of their foreclosed properties. To be eligible, you must have a minimum 660 credit score.

        1st Time Home Buyers Down Payment Assistance Programs
        If you’re a first time home buyer and don’t qualify for any of the above scenarios, you may be wondering where you can find down payment help. Fortunately, there are multiple ways to receive 1st time home buyers down payment assistance.

        Junior Loans û Many banks offer Junior Loans to first time home buyers, which are typically smaller loans (under $50,000) that help buyers meet tough down payment requirements.

        Gifts and Gift Registries û An increasingly popular option for buyers is to register for down payment gift registries, which allow family and friends to donate funds in lieu of buying a traditional wedding, birthday or graduation gift.

        Tax Refunds û Buyers who typically receive a refund on their income taxes can easily put the extra cash toward a down payment.

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          Top 10 Tips When Selling a Home

          Selling a home in a down economy can be a painstaking decision. Use the following 10 tips when selling a home to get the most out of your investment.

          Home Selling Tip #1: Hire a reputable real estate agent.
          Selling a home can be stressful, and you want a reliable real estate agent you can trust to take some of the burden of selling a home off your hands.

          Home Selling Tip #2: Give your home curb appeal.
          When selling a home, you need to keep your home looking its best. If a buyer is turned off by what your home looks like from the street, you will never get him or her inside to look around. Clean up your lawn, patch brown spots in the grass, clear sidewalks, and keep leaves and other debris picked up. Potential home buyers also notice things like chipped paint and dirty siding, so pressure-wash your home and repaint before putting it on the market if needed. Do whatever you need to do to show buyers that you’re serious about your home’s maintenance. Finally, let color help you when selling a home. Yellow evokes the emotion of buying, so plant yellow flowers near the entrance.

          Home Selling Tip #3: Make minor repairs to your home.
          Don’t give potential home buyers an opportunity to start nitpicking at the value of your home by leaving minor repairs unfixed. Replace cracked floor or counter tiles. Patch holes in walls. Fix leaky faucets. Fix doors that don’t close properly and kitchen drawers that jam. Consider painting your walls neutral colors, especially if you have grown accustomed to purple or pink walls. Replace burned-out light bulbs.

          Home Selling Tip #4: Stage your home.
          Once you have a potential home buyer inside, it’s important that your home has been spruced up and has been staged for the market. Think of your home as a product for sale, and imagine walking through it from the buyer’s perspective. Depersonalize it by packing up family heirlooms and photos. You want buyers to imagine themselves living in the home and they won’t do that if they can’t see past your stuff. Rent a storage unit and clear out the junk. De-clutter. Remove unused pieces of furniture and window coverings and light fixtures you are going to take with you. Each room should be left with just enough furniture to showcase it as the perfect room for its purpose. Remove books, knickknacks, and anything that seems deeply personal. Clear out closets and neatly arrange your dishes in the kitchen cupboards.

          Home Selling Tip #5: Clean your home!
          Wash windows inside and out. Clean out cobwebs from corners, ceiling fan blades and light fixtures. Re-caulk tubs, showers and sinks. Polish chrome faucets and mirrors. Clean out the refrigerator. Vacuum daily. Wax floors. Dust furniture with an oil-based furniture polish that leaves a ôcleanö scent behind. Bleach dingy grout. Remove or replace worn rugs. Hang up fresh towels in the bathroom. Eliminate any musty odors.

          Home Selling Tip #6: Price your home right.
          Of all of the 10 tips for selling a home, this one is the most important. You need to price your home competitively, perhaps slightly lower than comparable homes in your neighborhood. Unfortunately, many sellers choose the real estate agent who suggests the highest listing price, but this can come back to haunt you. Pricing your home to sell involves looking at similar properties, making adjustments for the differences between them, tracking market movements and considering present inventory to arrive at a realistic value for the price of your home. Setting your listing price just right could lead to a bidding war, resulting in a higher sales price for you. Work with your listing agent to price your home correctly.

          Home Selling Tip #7: Capture initial excitement.
          Don’t put your home on the market before your home and you are completely ready. Make sure you have taken all of the steps above before placing your home on the market. When selling a home, you need to get the most out of the initial excitement that a new home listing creates in potential home buyers. Home buyers will feel like they have discovered a great find if they snatch up a home just as it comes on the market. Once it’s been listed for a few weeks, however, home buyers will conclude that it’s not such a great value. Therefore, when selling a home, make sure you’ve done everything you can to make your home attractive to potential home buyers.

          Home Selling Tip #8: Don’t get in over your head.
          Put your home on the market well in advance of looking for a new home. Don’t place an offer on your next home until you have solid offers on the one you have to sell now. The last thing you want to do is juggle two mortgage payments.

          Home Selling Tip #9: Only divulge information on a need-to-know basis.
          Don’t do anything to create a perception that you will lower your potential selling price. For example, if you are moving due to job relocation, don’t offer up that information. Don’t let the potential home buyers think there is any urgency on your part in selling the home. If you are asked why you’re selling, simply say that you’re ready to trade up. You have a legal obligation to disclose information about the condition of the home and property, but you are not obligated to disclose your personal situation.

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                Matthew De Fede SFR

                COLDWELL BANKER Residential Brokerage

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                    Cleaning is perhaps the most crucial part of a successful showing. When communicating the value and uniqueness of your home, dirty clothes in the laundry room and stains in the carpet will cut you off at the knees every time. However, while most people think to clean a property and remove clutter from areas of the house, there are some ways that a seller can go the extra mile to interest a potential buyer.

                    It is important to remember that when you put your home on the market, you are entering into a competition with every other home for sale in your general price range in your area. That means that anything you can do to set yourself apart from the rest of the homes in your area will pay dividends as potential buyers think more about your home than the others out there.

                    When a potential buyer arrives for your showing, often they have already been to another potential new home and may be on their way to another after yours. During such a cluttered schedule that is typical for most real estate transactions, giving yourself an edge through an exceptional showing can certainly help you secure a deal in the long run.

                    The Lived-In Blank Slate
                    When a potential buyer enters your home, that person’s thoughts immediately go to how they would fit in this home and how their family would fit in the home. If you have decorated your home in all bright pink walls, that might be just what you want to live in, but it will disrupt the ability for a buyer to picture living in that property.

                    Avoid this by making sure that your home balances the feeling of a blank slate but still keeping the feeling of home that enhances a buyer’s impression of the property. They want to imagine living in the home but they don’t want to imagine it with nothing to go on. This follows all the way down to closets and cabinets. People will open your cabinets, so be prepared to make sure that what they see when they do won’t turn them off of your home.

                    Your Furnishings Are Merely Accents
                    Chances are, you will not be leaving your furniture behind when you move out of your property. A potential buyer will be bringing in entirely new furniture with a new color scheme and may even paint all of the interior walls a specific favorite color. Simply put, the buyer is not buying the way you decorated the property so don’t make your decorations the star of the show.

                    All of the contest of your home should be geared towards maximizing the way the architectural elements of the property show. If one of your big selling points is a breakfast nook, providing the furnishing for that breakfast nook can help a buyer picture having that as a part of daily life. However, if you have an incredibly expensive, ornate table, you will detract from the architecture and focus eyes on the furnishings.

                    Similarly, you can use this trick in reverse to hide some of the architectural shortcomings of your home. Perhaps a particular window trim is not contemporary enough but you don’t want to spend the money to update it. Use a fancy window covering to draw attention away from that part of the property.

                    While cleaning and removing clutter from your home certainly make up the foundation of a positive showing, going the extra mile before a stranger even steps foot in your home can greatly increase your chances of selling the property quickly. By giving a potential buyer a somewhat generic presentation in the design that is used chiefly to accent the home itself, you will give yourself a leg up on the competition in your area and spur meaningful interest in your home.

                    This is another original article by Joe Lane, co-owner of The Lane Real Estate Team at http://www.joelane.com/. Are you looking for an experienced Tri City WA Real Estate agency? With 20 years of service based, business experience, Joe and Colleen Lane work hard to serve home buyers and sellers for the Tri Cities of Washington’s Kennewick, Richland, Pasco, and surrounding areas.

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