💬 Frequently Asked Questions
Whether you’re buying your first home or selling your fifth, here are answers to the most common real estate questions we get in Clifton, Montclair, Paterson, Totowa, and throughout North Jersey.
❓ How much do I need for a down payment?
In New Jersey, first-time buyers can purchase a home with as little as 3% down using programs like FHA loans or NJHMFA. We’ll connect you with a lender who can go over exact numbers for your budget.
❓ How long does it take to buy a home?
On average, once you’re under contract, closing takes 30–45 days. The home search can vary depending on inventory and your preferences. We’re here to make it smooth and fast.
❓ Do I need a Realtor to sell my house?
Legally, no — but working with a licensed Realtor® ensures professional pricing, marketing, and negotiation. Most sellers net more money even after commissions than they do selling on their own.
❓ What are closing costs in New Jersey?
Buyers typically pay 2–4% of the purchase price, while sellers pay 6–8% (including agent commissions and transfer taxes). We’ll go over your personalized net sheet at the start.
❓ Can I buy a home if I have bad credit?
You may still qualify for certain loan programs. FHA loans allow scores as low as 580, and we work with lenders who specialize in first-time or credit-challenged buyers.
❓ Do I need to be pre-approved before house hunting?
Yes — pre-approval helps you understand your budget, shows sellers you’re serious, and helps you move faster once you find the right home.
❓ What’s the first step if I want to sell my house?
Contact us for a free home valuation and seller consultation. We’ll show you your estimated value, net proceeds, and marketing plan to sell quickly and for top dollar.
Still Have Questions?
We’re happy to answer them. Call or text 862-247-6067 or click below to schedule a quick chat.
Schedule a Call