About Your REALTOR

Team effort with your REALTOR® will make your home purchase easier and more pleasant. The following are a few helpful suggestions.

Pick ONE and stay with that sales associate. Nothing inspires a professional to seek and find the home of YOUR choice more than knowing you are relying on him or her completely.

Choose your sales associate carefully. Check to see if the firm is a member of local Boards of Realtors. A full-time associate, professionally trained to service your needs and experienced not only in real estate but also in geographic areas and price ranges is most important to you. You have the right to expect your sales associate to go that extra mile to serve you.

Once you have decided to commit your loyalty to your REALTOR®, there are ways you can help:

  1. All members of a Multiple Listing Service (MLS) can show you all listings. It is not necessary to call each office to see its listings. Your REALTOR® is privy to the same information.

  2. Be truly frank with your sales associate about your price range and your reaction to each property. Any financial information revealed is kept in strict confidence. Secrecy only confuses the picture and makes the job and your search for the right home more difficult.

  3. Do not walk into an open house unaccompanied by your sales associate. He or she can no longer help you obtain that particular home. The associate holding the open house becomes the selling associate and your REALTOR®, who has spent hours of time to serve you will not be compensated. Call your REALTOR® to accompany you.

  4. If you see an ad in the paper which piques you curiosity, do call your sales associate and ask about it. Let your sales associate make the inquiry; a lot more information can be obtained from a fellow REALTOR® which will be helpfully to you.

  5. If you are unhappy with your sales associate, let the REALTOR® know. The REALTOR® will appreciate knowing this so that you may be assigned a more compatible sales associate to serve you. It is important that you be fully satisfied. Minor misunderstandings can grow.

Resources Attorneys

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.

Diane DeCarlo, Esq. 
865 Broad Ave, Ridgefield, New Jersey 07657
201-945-3900  testadecarlo@aol.com
Steven Freesman, Esq.
2050 Center Ave, Suite #630, Fort Lee, New Jersey 07024
201-461-8183   freesman@verizon.net
George Gundersen, Esq.
634 Baldwin Avenue, Rivervale, New Jersey 07675
201-505-0895  ggg3esq@gmail.com
Vivian V. Ingilian, Esq., LLC 
342 Grand Avenue, Englewood, New Jersey 07631
201-569-1622  IngilianV@gmail.com
George Jurecky, Esq.
140 Sylvan Avenue, Englewood Cliffs, New Jersey 07632
201-242-0500 x304  george.jurecky@jureckylaw.com
Carolyn Kristal, Esq.
2050 Center Ave #560, Fort Lee, New Jersey 07024
201-585-2600   ckristal@msn.com
Yuk-Shim Mak, Esq.
35 Plaza Professional Center
81 E. Route 4 West, Suite 404, Paramus, New Jersey 07652
201-843-8879  mail@makliang.com
Donald Nemcik, Esq.
183 Third Ave, Westwood, New Jersey 07675
201-666-6000  dnemcik@aol.com
Joel J. Reinfeld, Esq. 
120 Sylvan Ave, #202, Englewood Cliffs, New Jersey 07632
201-408-45581  joel@joelreinfeldlaw.com
Bruce Safro, Esq.
One University Plaza, Suite #14, Hackensack, New Jersey 07601
201-343-3100  bls@safroesq.com
Michael W. Song, Esq.
400 Sylvan Ave., Suite #102, Englewood Cliffs, New Jersey 07632 
201-568-3136   michaelsongesq@gmail.com
Robert Silber, Esq.
15 Engle St, Suit 100B, Englewood, NJ 07631
201-229-0661   Rob@robertsilberlaw.com
Craig Weinstein, Esq.
2050 Center Avenue, Suite #405, Fort Lee, New Jersey 07024
201-944-0654  craigweinstein@verizon.net

Chirag N. Patel, Esq.
7800 River Road, Suite #3, North Bergen, New Jersey 07047
201-880-7776   cnp@thepatellawpractice.com


Resources Home Inspectors

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   cell 201-647-9026

C.M. Burrows Inc., Christopher M. Burrows
725 River Road, Suite 32-172, Edgewater, NJ 07020
201-840-6126  cburrows@cmburrowsinc.com

CE Home Inspectors, LLC, Carlos Ceballos
P.O. Box 110, Cresskill, NJ 07626 
201-266-6961  cell  201-417-7440   cehomeinspections@gmail.com

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

Home Diagnostic Inspectors, Inc.  George White 
603 Highland Avenue, Little Falls, New Jersey 07424

Prime Choice Home Inspections, Corp., Sung Young (Shawn) Lee 
200 Grant Street, Haworth, New Jersey 07641

Regional Home Inspections, LLC., John L. Estes 
403 Gregory Avenue, Weehawken, New Jersey 07086
201-954-9894     reghome@optonline.net

Shupenko Engineering, Inc., Anthony Shupenko, Jr., PE 
2 Garden Court North, Garfield, New Jersey 07026
973-478-1418   info@shupenkoengineering.com


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

The Home Team Inspection Service, Craig Sharf
38 Dana Place, Closter, New Jersey 07624


Resources Mortgages

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

Guaranteed Home Mortgage Co, Inc., Felix Lemeshev 
108 Corporate Park Drive, Suite 301, White Plains, New York 10604 
646-527-2924   cell 305-788-9677

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

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

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

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

American Mortgage, Shawn Miller 
142 S. Livingston Ave., Suite 5, Livingston, New Jersey 07039 
201-4740468   cell 201-446-0393     fax 201-225-0016   sm@americanmortgage-usa.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   NMLS#58743
600 Alexander Road, Princeton, New Jersey 08540 
609-750-5420  cell 
732-586-8318    fax 866-850-0955   wei.zhao@wellsfargo.com

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

Resources Neighborhood Service Guide

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


All American Appliance Service (repair)
21 Van Blarcom Avenue 
Midland Park, NJ 07432 

A&E Factory Service (Repair)

Gorman Bros.
30 E. Palisade Ave.
d NJ 07631

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


Morantz S. Galleries, Inc.
608 Anderson Ave.
Cliffside Park, NJ 07010

Bathroom Fixtures/Kitchen Fixtures

Fergusom Enterprise
369 Anderson Ave
Fairview, NJ 07022

Hardware Designs
135 New Dutch Lane
Fairfield, NJ 07004


Brothers Carpet & Flooring
(Carpet & Wood Floors)
50 Johnson Ave.
Hackensack, NJ 07601

D&B Window&Carpet Cleaning

Cliffside Flooring
(Carpet Only)
645 Anderson Ave.
Cliffside Park, NJ 07010


Finishing Touch Services  - John Ochlan  

J&J Chimney Sweeps
23 South Street.
Ridgefield Park, NJ 07660

Luis Macancela

Keith Christian

NuTouch Home Services
Kathy Burgos

Zimick Brothers Cleaning Service 
Edgewater Area

Computer Supply & Repair

Cliffside Park, NJ 07010


Precision Computer
2415 Lemoine Ave.
Fort Lee, NJ 07024


Blanka Jurecky Interiors
22 Kira Lane
Englewood, NJ 07631

Dry Cleaner/Tailor

Classic Cleaners
1605 Lemoine Ave.
Fort Lee, NJ 07024

136 Main St.
Fort Lee, NJ 07024


Billy Canova
375 Bradley Ave
Northvale, NJ 07647


Esposito Electric
258 12th Street
Palisades Park, NJ 07650

Newman Electric
96 Carl Pl.
Westwood, NJ 07675


Excel Termite & Pest Control
84 Grand Avenue

River Edge, NJ 07661


Dean Street Greenery 
22 Engle Street
Englewood, NJ 07631

Wild Flowers
2 Sylvan Ave.
Englewood Cliffs, NJ 07632


Alpha Glass
6 Horizon Road
Fort Lee, NJ 07024

Jimmy's Glass
Cliffside Park, NJ 07010

Hair Salon

Alley Olsen Salon
1203 River Road
Edgewater, NJ 07020

Hair Dynamics
1475 Bergen Boulevard 
Fort Lee, NJ 07024


Salon 5
1643 Schlosser Street
Fort Lee, NJ 07024


Moore's Hardware
335 Broad Ave
Leonia, NJ 07605

Boulevard Hardware
526 Bergen Boulevard
Ridgefield, NJ 07657


Dave Gadaleta
350 Main Avenue 
Wood-Ridge, NJ 07075
201-804-0597  cell 201-615-3313  fax 201-804-6264


Interior Design

Blanka Jurecky, CID
Allied Member ASID
22 Kira Lane
Englewood, NJ 07631


DLG Designs 

Light Fixtures

Lighting by Gregory
274 State Route 17
Upper Saddle River, NJ 07458


Elite Lock Service
7604 Bergenline Ave.
North Bergen, NJ 07047

Parent Lock
558 Anderson Ave
Cliffside Park, NJ 07010

Pete's Lock & Key
2357 Lemoine Ave
Fort Lee, NJ 07024


Duffy Movers
Ridgefield Park, NJ 07660

Frank Richter Moving & Storage
38 Kinderkamack  Rd.
Oradell, NJ 07649
201-599-0824  201-867-0097
Pensa Movers
Fort Lee area

Peter Ferraro Moving & Storage
186 S. Prospect Ave.
Bergenfield, NJ 07621


Finishing Touch Services  - John Ochlan

Imperial Painting & Coating, LLC

Keith Christian

My Three Sons
338 E. Homestead Ave.
Palisades Park, NJ 07650

Walter Ocampo


Abbey Creative Photography
416 East Central Blvd.
Palisades Park, NJ 07650

Dian Photographers
195 3rd Ave.
Westwood, NJ 07675


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

Bob Doerner Plumbing & Heating
Oradell, NJ 07649

Preakness Plumbing

Pool Service

Jayson Pool Service

Tim Co. Pool Service (Northern Bergen County)


Yippee Printing
115 River Road, Bldg. 10, 1st Fl.
Edgewater, NJ 07020
(201) 313-1900


Brady Roofing
(201) 385-9315

Steven Hintze Roofing


Rational Roofing

Shoe Repair

Master Shoe Repair
350 Lawton Ave.
Cliffside Park, NJ 07010

Master Shoe Repair

S&J Shoe Repair 
80 Anderson St.
Hackensack, NJ 07601


Tile & Marble

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

Fuda Tile & Marble, Inc.
313 Broad Ave.
Ridgefield, NJ 07657

Romano & Son Tile Co.
501 Baldwin Ave.
Lodi, NJ 07644

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

Jimmy's Glass
137 Palisade Ave, Cliffside Park, NJ 07010

Window Washing

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


Resources Suggestions to Seller

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.
Resources Suggestions to Purchaser

Before Signing Contract...

  1. If possible, obtain from the Seller the location and condition of the septic system and well or oil tank.
  2. Make certain the contract correctly states what personal property, if any, is included or excluded in the sale.
  3. Be fully satisfied as to the physical condition of the premises.
  4. Be aware of any restrictions, conditions or easements affecting the premises.
  5. If there is a mortgage contingency clause in the contract, be certain that the exact details of the mortgage are spelled out and that the requirements of the lending institution are understood. Apply promptly for your mortgage
After Signing the Contract...
  1. When the written commitment is received from your bank, notify your attorney and sales associate.
  2. Discuss with attorney the process of obtaining an Owners Policy of Title Insurance, the Lending institution (mortgagee) may require title policy insuring the mortgagee, but this does not  insure the owner.
  3. If you desire a survey (plot plan), or the bank requires one, and one is not available through the Seller, you should arrange for a plot plan with a surveyor & notify your attorney of surveyor's name.
  4. Arrange with your insurance agent for homeowner's insurance, naming the Lending Institution as first mortgagee.
  5. You will be notified by your attorney of the time and place of the closing. It is normally held in the office of the attorney for the buyer unless your lender requires the closing at its office.
When The Closing Date Has Been Set...
  1. Notify your insurance agent of the date of closing and obtain a copy of the insurance binder if required by your lender.
  2. Arrange for utilities.
  3. It is a good idea to inspect the premises immediately prior to closing.
At The Closing...
  1. Obtain a bank or certified check for the balance of the purchase price. Bring personal checks for any adjustments, bank charges and attorney's fees.
  2. The purchaser is responsible for recording the warranty deed, the mortgage deed, the cost of the title search, an amortization schedule (if a purchase money mortgage). These funds will normally be billed to you as a disbursement, at the closing.
  3. Mortgage documents must be signed by all the parties taking title and their attendance at closing is required
Estimate Closing Costs  

This worksheet can be used to prepare an estimate of the costs entailed in the closing of a home. It is suggested that you consult your attorney for any closer estimates of the costs of your particular situation. A short time before closing, your attorney should be able to provide you with more precise figures for your closing costs.

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
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).
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


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.

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
Information Needed for Loan Application

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


  • 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
Moving Checklist

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.
Nelson Chen
  1392 Palisade Avenue, Fort Lee, NJ 07024   |   Phone: 201-346-8888   |   Fax: 201-346-0881   |   info@chenagency.com