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Directions to Judy Hirshburg
at:
Coldwell Banker Residential Brokerage
484 Bloomfield Ave. Caldwell,
NJ From Route 280 Route 280 to exit 5B (Livingston Ave North), Caldwell. At the end of the exit ramp, continue straight to Eagle Rock Ave. Make a Right onto Eagle Rock Ave AND and shortly thereafter, make the first Left onto Roseland Ave. Continue on Roseland Ave to the end. Turn Left onto Bloomfield Ave. Go a few blocks down to my office with the big blue awning Coldwell Banker on the Left side of the block at #484.(right across from Subway restaurant) From The Lincoln Tunnel Route 3 West to Route 46 West. After you pass the "Willowbrook Mall" you'll go to the Passaic Ave exit make a Right just past "Houlihan's" Restaurant ( Caldwell, Fairfield, and Lincoln Park exit). At the end of the ramp make a Left at the light and proceed straight over route 46. The road is then named Passaic Ave. Continue on through 9 lights to a major intersection which is Bloomfield Ave. Turn Left onto Bloomfield Ave and continue straight. See Coldwell Banker big blue awning on your right across the street from the Subway Sub shop. From the George Washington Bridge Route 80 West to exit 52, (Caldwell, Fairfield & Lincoln Pk). At the end of the exit ramp continue Right at the stop sign. Proceed as above following the directions from the Lincoln Tunnel. If you get lost, don't hesitate to call me either on my cell 201-321-5735 or the office. 973-226-2577 I'M LOOKING FORWARD TO HELPING YOU !
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
What is the world's oldest wooden structure?
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| A |
The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
