We provide this list of names as a convenience to our clients and customers. The Chen Agency does not endorse and cannot guarantee the services of any individual or company. You are encouraged to independently verify the qualifications of any individual or company that you engage.

David R. Gelbert, Esq.
500 Fifth Avenue, Suite 1540, New York, New York 10110
212-376-0900, 201-567-9889 fax 212-376-0911 dgelbert@royalabstract.com

George Gundersen, Esq.
634 Baldwin Avenue, Rivervale, New Jersey 07675
201-505-0895 fax 201-505-0894

Vivian V. Ingilian, Esq., LLC
342 Grand Avenue, Englewood, New Jersey 07631
201-569-1622 fax 201-569-1722 IngilianV@aol.com

George Jurecky, Esq.
411 Hackensack Avenue #700, Hackensack, New Jersey 07601
201-996-9881 fax 201-996-9885

B.J. Kim, Esq.
117 Central Avenue 2nd Flr, Hackensack, New Jersey 07601
201-883-0777 fax 201-883-0767 www.kimbae.com

Carolyn Kristal, Esq.
2050 Center Ave 5th Floor, Fort Lee, New Jersey 07024
201-585-2600 fax 201-461-2633

Mark D. Macri, Esq.
1223 Anderson Avenue, Fort Lee, New Jersey 07024
201-224-4000 fax 201-224-8105

Yuk-Shim Mak, Esq.
35 Plaza Professional Center
E. 81 Route 4 West, Suite 404, Paramus, New Jersey 07652
201-843-8879 fax 201-843-8870 mak@lawmak.com

Diana Hee Chung Choi
35 Plaza Professional Center
E. 81 Route 4 West, Suite 404, Paramus, New Jersey 07652
201-843-8879 fax 201-843-8870

Donald Nemcik, Esq.
183 Third Ave, Westwood, New Jersey 07675
201-666-6000 fax 201-666-3131

Peter C. Polidoro, L.L.C.
530 Main Street, Suite #202, Fort Lee, New Jersey 07024
201-592-9224 fax 201-302-9449

Bruce Safro, Esq.
One University Plaza, Suite #14, Hackensack, New Jersey 07601
201-343-3100 fax 201-343-8517

Sang Chim Yom, Esq.
1580 Lemoine Avenue, Fort Lee, New Jersey 07024
201-461-1616 fax 201-461-8117

Craig Weinstein, Esq.
2050 Center Avenue, Suite #650, Fort Lee, New Jersey 07024
201-944-0654 fax 201-944-6573 craigweinstein@verizon.com

Steven Freesman, Esq.
2050 Center Ave, Suite #630, Fort Lee, New Jersey 07024
201-461-8183 fax 201-461-0448

Joel J. Reinfeld, Esq.
Fisher Porter Thomas & Reinfeld, P.C.
180 Sylvan Ave, 2nd Floor, Englewood Cliffs, New Jersey 07632
201-569-5959 fax 201-871-4544 jreinfeld@fpmtlaw.com

Diane DeCarlo, Esq.
135 Fort Lee Road, Leonia, New Jersey 07605
201-947-0703 fax 201-947-0734 testadecarlo@aol.com

Michael W. Song, Esq.
120 Van Nostrand Ave., Suite 203, Englewood Cliffs, New Jersey 07632
201-592-1082 fax 201-592-1084 michaelsongesq@gmail.com

We provide this list of names as a convenience to our clients and customers. The Chen Agency does not endorse and cannot guarantee the services of any individual or company. You are encouraged to independently verify the qualifications of any individual or company that you engage.

www.ashi.com    www.state.nj.us/lps/ca/pels/inspectors.htm

All Wright Home Inspections, Inc. Glenn Woertz
P.O. Box 1164, Alpine, New Jersey 07620
201-767-6619   fax 201-297-7843  

Biltmore Building Inspections, Douglas Wingerath
306C Reichelt Road, New Milford, New Jersey 07646
201-501-0502   email:dwing76@optonline.net

Guardian Home Inspectors, Sean Campbell
26 Madison Avenue, Cresskill, New Jersey 07626
800-468-7744   201-568-2783   fax 201-568-8117

Prime Choice Home Inspections, Corp., Sung Young (Shawn) Lee 
200 Grant Street, Haworth, New Jersey 07641
201-384-3320   fax 201-384-3326

TeamWorks, Paul Lang
297 Myrtle Ave, New Milford, New Jersey 07646
888-262-4928    201-262-4928

The Home Team Inspection Service, Craig Sharf
12 Jason Woods Road, Closter, New Jersey 07624
201-767-2070   fax 201-767-3020

Shupenko Engineering, Inc., Anthony Shupenko, Jr., PE 
2 Garden Court North, Garfield, New Jersey 07026
973-478-1418   fax 973-546-1465   shupenko@optonline.net
www.shupenkoengineering.com

Home Diagnostic Inspectors, Inc. George White 
603 Highland Avenue, Little Falls, New Jersey 07424
973-233-0777   fax 973-783-1931

We provide this list of names as a convenience to our clients and customers. The Chen Agency does not endorse and cannot guarantee the services of any individual or company. You are encouraged to independently verify the qualifications of any individual or company that you engage.

1st Constitution Bancorp.,  John Bryan
180 Main Street, Fort Lee, New Jersey 07024
201-944-9300  cell 201-321-8998   jbryan@1stconstitution.com

GuardHill Financial Corp. Ron Miller 
950 Third Avenue, 24th Floor, New York, NY 10022 
646.519.7535  cell 917-887-6703  fax 917-591-9377 rmiller@guardhill.com

Prospect Mortage , David Gutfeld 
330 Passaic Avenue, Suite 215, Fairfield, New Jersey 07004 
cell 201-906-4468   fax 877-622-2138
david.gutfeld@prospectmtg.com    www.myprospectmortage.com

ICG Home Loans, Albert "Al" Rapoport 
70 Hudson Street, Unit 4A, Hoboken, New Jersey 07030 
201-809-9905   cell 908-244-8107
fax 973-774-7026  arapoport@icghome.com    www.icghome.com

Hudson City Savings Bank, Sal J. Aparo
West 80 Century Road, Paramus, New Jersey 07652
888-967-1601  cell 201-681-5507  fax 201-967-9510 SalAparo@mac.com

Hamilton Capital LLC, Edward Park
135A Main Street, Hackensack, New Jersey 07601
201-343-6640  cell 201-658-6166  fax 201-343-6641 epark@hamiltoncapitalllc.com

Livingston Mortgage, Mrs. Young Ok Uhm 
460 Bergen Blvd., Suite 306, Palisades Park, New Jersey 07650
201-346-1222  fax 201-346-1364 info@livingstonmortgage.com

NJ Lenders Corp., Steven Grossman
P.O. Box 427, 219 Paterson Ave., Little Falls, New Jersey 07424
1-800-908-0005 Ext.7102   fax 973-812-4769 steve@njlenders.com

Tuthill Finance of NJ, Irina Levsky
1617 Parker Avenue, Suite1, Fort Lee, New Jersey 07024
201-947-0232 Ext. 108   fax 201-947-5338

Two River Mortgage & Investment, Brian Benjamin*
157 Broad Street, Suite 312, Red Bank, New Jersey 07701
201-461-9010  732-345-5000   fax 732-345-5049 brian@tworivermortgage.com

Wells Fargo Home Mortgage,  Wei Zhao
600 Alexander Road, Princeton, New Jersey 08540 
609-750-5420  cell 866-850-0955   fax 732-586-8318   wei.zhao@wellsfargo.com
www.wfhm.com/wei-zhao

Wells Fargo Home Mortgage, Alys K. Swan 
East 80 Route 4, Suite 205, Paramus, New Jersey 07652
201-556-4101  fax 201-845-6777  alys.nye@wellsfargo.com

We provide this list of names as a convenience to our clients and customers. The Chen Agency does not endorse and cannot guarantee the services of any individual or company. You are encouraged to independently verify the qualifications of any individual or company that you engage.

Alarm Service/Phones/Computer Wiring

Alarm, Lock & Safe
195 Livingston St.
Northvale, NJ 07647
201-767-6767

Appliances

All American Appliance Service (repair)
21 Van Barcom Avenue 
Midland Park, NJ 07432 
201-265-9696

Gorman Bros.
30 E. Palisade Ave.
Englewoo d,  NJ 07631
201-568-5700

Reno's Appliance
204-C Market
Elmwood Park, NJ
201-797-2572

Art/Framing/Posters

Morantz S. Galleries, Inc.
608 Anderson Ave.
Cliffside Park, NJ 07010
201-943-8900

Bathroom Fixtures/Kitchen Fixtures

Hardware Designs
135 New Dutch Lane
Fairfield, NJ 07004
973-808-0266

Carpet/Flooring

Brothers Carpet & Flooring
(Carpet & Wood Floors)
392 Main St.
Hackensack, NJ 07601
201-488-3999

Cliffside Flooring
(Carpet Only)
645 Anderson Ave.
Cliffside Park, NJ 07010
201-941-9505

Cleaning

J&J Chimney Sweeps
23 South Street.
Ridgefield Park, NJ 07660
201-440-2109

Detail Cleaning Company
410 Broad Ave.
Palisades Park, NJ 07650
201-346-1200

Zimick Brothers Cleaning Service 
Edgewater Area
201-945-6870

Finishing Touch Services - John Ochlan 
201-488-2810

Computer Supply & Repair

MyGeek2Go
Cliffside Park, NJ 07010
201-256-1566
www.mygeek2go.com

Precision Computer
2415 Lemoine Ave.
Fort Lee, NJ 07024
201-947-7866

Decorator

Blanka Jurecky Interiors
22 Kira Lane
Englewood, NJ 07631
201-871-0808

Dry Cleaner/Tailor

Classic Cleaners
1605 Lemoine Ave.
Fort Lee, NJ 07024
201-461-6206

D'Este
136 Main St.
Fort Lee, NJ 07024
201-941-0672

Electrician

Alpine Electric
P.O. Box 543
Alpine, NJ 07620
201-784-1181

Billy Canova
375 Bradley Ave
Northvale, NJ 07647
201-750-3583
201-906-0067

Newman Electric
96 Carl Pl.
Westwood, NJ 07675
201-666-2293

Exterminator

Bug Doctor
1.E. Ridgewood Ave.
Paramus, NJ 07652
201-612-8166 or 800-825-1151

Florist

J. Clores & Son
1566 Lemoine Ave.
Fort Lee, NJ 07024
201-947-3700

Wild Flowers
2 Sylvan Ave.
Englewood Cliffs, NJ 07632
201-592-8875

Glass/Mirror

Alpha Glass
6 Horizon Road
Fort Lee, NJ 07024
201-886-2337

Jimmy's Glass
Cliffside Park, NJ 07010
201-941-4401

Hair Salon

Alley Olsen Salon
1203 River Road
Edgewater, NJ 07020
201-886-9500

Salon 5
1636 Lemoine Ave.
Fort Lee, NJ 07024
201-944-8011

Hardware

Mitchell Simon Co.
15 S. Dean
Englewood, NJ 07631
201-568-2108

Interior Design

DLG Designs 
201-755-5074
dlgdesigns@msn.com
www.dlgdesigns.net

Blanka Jurecky, CID
Allied Member ASID
22 Kira Lane
Englewood, NJ 07631
201-871-0808
bji@nj.rr.com

Light Fixtures

Lighting by Gregory
274 State Route 17
Upper Saddle River, NJ 07458
201-785-1985

Locksmith

Pete's Lock & Key
2357 Lemoine Ave
Fort Lee, NJ 07024
201-944-7547

Elite Lock Service
7604 Bergenline Ave.
North Bergen, NJ 07047
201-861-5694

Movers

Duffy Movers
Ridgefield Park, NJ 07660
201-807-1716

Peter Ferraro Moving & Storage
186 S. Prospect Ave.
Bergenfield, NJ 07621
201-387-6683

Mayflower
800-242-5825

Pensa Movers
Fort Lee area
201-947-1444

Painter

A&D Painting & Wallcovering
21 Shadyside Ave.
Dumont, NJ 07628
201-387-2343

All Bergen Painting - Kevin McCarthy
126 Fairview Ave
Bogota, NJ 07603
201-489-7753

All Type Painting - Greg Belous
973-786-7543

Detail Cleaning Company
410 Broad Ave.
Palisades Park, NJ 07650
201-346-1200

My Three Sons
338 E. Homestead Ave.
Palisades Park, NJ 07650
201-461-9060

Finishing Touch Services - John Ochlan 
201-488-2810

Photographer

Abbey Creative Photography
416 East Central Blvd.
Palisades Park, NJ 07650
201-947-1221

Dian Photographers
343 Anderson Ave.
Fairview, NJ 07022
201-945-7500

Plumber

Alliotts
1 Alliotts Pl.
Palisades Park, NJ 07650
(201) 944-0504

Bob Doerner Plumbing & Heating
Oradell, NJ 07649
800-766-5591

Pool Service

Classic Pool Service, Bob
201-493-1808

Jayson Pool Service
908-688-1111

Tim Co. Pool Service (Northern Bergen County)
201-387-6010

Printer

American Printing/Chromatech Graphics, Inc.
666 Anderson Ave.
Cliffside Park, NJ 07010
(201) 941-9522

Roofing

Brady Roofing
(201) 385-9315

Rational Roofing
201-864-4749

Rhineland Slaters
201-525-0660

Roof Dynamics, Ken (Roof Repair)
516-242-4129

Shoe Repair

Master Shoe Repair
350 Lawton Ave.
Cliffside Park, NJ 07010
201-945-2644

Tile & Marble

AGM Marble & Tile
890 River Rd.
Edgewater, NJ 07020
201- 945-1687

Fuda Tile & Marble, Inc.
313 Broad Ave.
Ridgefield, NJ 07657
201-945-3832

Romano & Son Tile Co.
501 Baldwin Ave.
Lodi, NJ 07644
973-472-3240

Window Blinds

J. Sosower & Sons
7731 Bergenline Ave.
North Bergen, NJ 07047
201-818-0144 or 201-869-1120

Window Repair/Screens

George W. Strauch
201-512-1780

Window Washing/Carpet Cleaning

D & B
Cliffside Park area
800-244-3586 or 908-688-0785

Before Signing Contract...

1. Be Certain that the contract describes the exact premises which you are selling. Deliver to your attorney:
   a.  A copy of your deed or deeds.
   b. Information concerning any instrument which was executed subsequent to your deed and which affects the property you are selling.
   c.  Any certificate of title or owners title insurance policy which you may have.
   d. Any survey or plot plan which you may have.
   e. Details concerning any lease, whether written or oral, and any security deposit.
   
2. Make certain that you advise your attorney as to:
   a. Water supply.
   b. Information concerning the physical condition and location of any septic system, oil tank, easement or encumbrance.
   c.  Any leased hot water heater or other leased equipment.
   
3. Make certain that the contract correctly states what personal property, if any, is included or excluded in the sale.

After Signing the Contract...

1. Provide your attorney with current tax bills, association, district, sewer, fire, and condominium documents, if the same apply.
2. If you live in a common interest community (meaning you have to pay the taxes, insurance or other fees on common property) then you must give the purchaser a resale certificate. You get this from your association.

When The Closing Date Has Been Set...

1. Notify your insurance carrier of the date of closing. Have the agent cancel your policy after the closing.
2. Arrange for the termination of utilities, including water, if metered.
3. Arrange with your fuel supplier to either fill the oil tank or measure the same, and provide your attorney with a statement, from the company, as to the value of the fuel, at least 2-3 days prior to closing.
4. Certificate of occupancy and smoke detector certification: It is the responsibility of the seller to obtain and provide and pay for a certificate of occupancy (if your town requires one) and the smoke detector certification. You must check with town building inspector's office to determine if a certificate of occupancy is required for you to sell your home. It is also important to ask if there is a requirement as to number and placement of smoke detectors.

At The Closing...

1. Your attorney will notify you of the time and place of closing. The closing normally takes place at the office of the Purchaser's attorney.
2. Your attorney prepares the deed of conveyance. It is your obligation at the closing to pay the conveyance taxes and any releases to be recorded, which will normally be paid from the deposit and indicated to you on a disbursement sheet.
3. The Broker is entitled to the commission, in full, at the closing.
4. Bring all keys to the premises and any information concerning appliances and systems which will be helpful to the purchaser.

Before Signing Contract...

After Signing the Contract... When The Closing Date Has Been Set... At The Closing...

-FOR SELLERS - Legal Fee Generally $750-$1,250, depending on the attorney and the transaction. $_______ Real Estate Commission Depends on the terms of the listing agreement. $_______ Realty Transfer Tax Sale Price ___ Rate per $500 Up to $150,000 __________$2.90 $150,000 to $200,000 _____$4.25 $200,000 to $550,000 _____$4.80 $550,000 to $850,000 _____$5.30 $850,000 to $1,000,000 ___ $5.80 $1,000,000+ ____________ $6.05 Rates for sales under $350,000 are slightly lower $_______ Mortgage Cancellation Fee Usually required if mortgage is prepaid before original term is reached. May be charges by lender and/or local government. $_______ Other Liens Must be removed from property before sale: includes local government filing fees. $_______ Tax Adjustment Usually a credit (sometimes a charge) to seller, to adjust for taxes paid short-of or beyond the closing date. $_______ Water/Sewer Adjustments Same as other tax adjustments. $_______ Insect Damage Repairs As may be required following inspection. $_______ Engineering Repairs As may be required following inspection. $_______ Association Fees As may be required by Condo/Co-op Association. $_______ Estimated Total $_______

-FOR BUYERS- Legal Fee Generally $750-$1,250, depending on the attorney and the transaction. $_______ Title Search Approx. $200-$300. $_______ Title Insurance Varies usually $2,200-$2,500 for homes from $500,000 - $600,000. $_______ Recording Fees Required by local County clerk about $250-$350 (per instrument to be recorded). $_______ Survey of property, if required, averages $450-$650. $_______ Homeowners Insurance & (if applicable) Flood Insurance Varies. Typical one family house $500-$1000 per year. $_______ Mortgage Application Fee set by lender, $250-$500 . $_______ Lender's Attorney Review Fee $100 - $500 average where applicable. $_______ Credit Report/Appraisal Fee $200-$300 $_______ Prepaid Interest Paid to lender; covers interest on mortgage beginning from day of closing to end of first month. $_______ Escrow Fees Paid to lender, covering approximately... 3 months real estate taxes 3 months fire/flood insurance 3 months PMI premium where applicable. $_______ Points Paid to lender, usually 1-3 (1 "point" = 1% of mortgage). $_______ Private Mortgage Insurance Usually required if mortgage is more than 80% of purchase price. Average premium is 2 1/2% of the mortgage. 1% payable at closing. $_______ Termite/ Building Inspection $_______ Fuel Adjustment for any fuel left behind by seller. $_______ Association Fees As may be required by Condo/ Co-op Association. $_______ Mansion Tax 1% of purchase price over $1 Million. $_______ Estimated Total $_______

Checking, Savings, CDs, Money Market & IRA Accounts

• names and addresses
• account numbers
• balances

Loans (car loan, mortgages, student loans, credit union loans, etc.)

• names and addresses of creditors
• monthly payments and balances
• account numbers and purpose of loan

Credit Cards

• card name and name of bank that issued card
• account numbers
• monthly payment balances

Employment Information

• names and addresses of all employers for 2 full years (past and present) with dates of employment.
• recent pay stubs
• last 2 years W-2 forms

Self-Employed

• last 2 years personal tax returns
• last 2 years corporate or partnership tax returns
• year to date profit and loss statement

Real Estate Owned

• value of property
• lease agreement with terms
• names and addresses of lenders
• monthly payments, balances and account numbers

Personal Assets

• year, model and value of car
• cash value of life insurance
• stock and bond value
• value of furniture, jewelry, etc
• Contract of sale on home being purchased
• Contract of sale on present home being sold if applicable
• Divorce decree/separation agreement if applicable

Send Change of address to: Post Office: Give forwarding address Charge Accounts, Credit Cards Subscriptions: Notice requires several weeks Friends & Relatives Be sure to contact: Bank: Transfer funds, arrange check-cashing in new city. Insurance: Notify new location of coverage (life, health, fire, auto, homeowners). Automobile: Transfer car title registration; also driver's license; state windshield sticker, motor club membership. Utilities: Gas, light, water, telephone, fuel, get refund of any deposit made; arrange for immediate service in new town; arrange for final reading and change of name for billing. Route Men: Laundry, paper boy, milk man: change over services. Schools: Ask for copies of transfer of children's records. Medical: Ask Doctor, Dentist, Pharmacist for referrals; transfer needed prescriptions, eyeglasses, X-rays and records. Organizations: Transfer memberships (houses of worship, clubs, civic organizations); get letter of introduction. Pets: Ask about regulations for licenses, vaccinations, tags. Management Office: most condos/co-ops require move-in reservations

And, don't forget to: Empty freezer; plan use of foods. Defrost freezer-refrigerator. (Place charcoal to dispel odors.) Have appliances serviced for moving. Clean rugs or clothing, before moving; have them "moving-wrapped." Check with your moving counselor: insurance coverage, packing and unpacking labor, arrival day, various shipping papers, method and time of expected payment. Plan for special care needs of infants. Plan garage sale. And on moving day: Carry currency, jewelry, documents yourself or use registered mail. Plan for transporting pets. (They are poor traveling companions if unhappy.) Make sure you can be found if they become lost. Carry traveler's checks for quick available funds. Tell close friends or relatives your route and schedule (including overnight stops). Use them as "message headquarters." Double check closets, drawers, shelves (to be sure they are empty). Leave all old keys, needed by new tenant or owners, with agent or Realtor.