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Welcome to Stan Kay'sLivingston, Short Hills, West Orange and Springfield Real Estate Website

Welcome! Here You Can Find Great Information on Livingston, Short Hills, West Orange and Springfield, New Jersey Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Livingston, Short Hills, West Orange and Springfield real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Livingston, Short Hills, West Orange and Springfield real estate agent, I have the experience and track record you are looking for. Please let me help.

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School Reports in Livingston, Short Hills, West Orange and Springfield, New Jersey

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Schools in Livingston, Short Hills, West Orange and Springfield

Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	What price range is considered upscale or high-end in residential real estate?
A	The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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Stan Kay, REALTOR®, real estate agent and broker for Livingston, Short Hills, West Orange and Springfield, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Stan Kay
Keller Williams
488 Springfield Ave
Summit, 07901
OFFICE: 973-376-0033 x 220
FAX: 973-376-1088
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STAN@STANKAY.COM

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