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Month: March 2017

5 Interesting NJ Events Happening In April 2017

Living in New Jersey comes with so many perks that you need to live here for yourself to experience the awesomeness. From superb eateries that offer a gastronomic experience to museums showcasing art works from local talents, you can rest assured that NJ offers plenty of opportunities for day trips and activities – there is never a dull moment! Here is a look at five interesting April 2017 NJ events:

Cirque Ziva

When: April 22, 2017

Where: Bergen Performing Arts Center

Cirque Ziva is an impressive show of amazing stunts and skills. This events allow you to participate in a fantastic night of acrobatics performed by the Golden Dragon Acrobats. The acrobats are so skilled at delivering high-energy, jaw-dropping, and breathtaking acts that past audiences mentioned that they started taking their skills for granted as the show went on. The acrobats hail from Cangzhou, which is situated in the Hebei province of China. The cool thing is that they have been touring the United States since 1978.

ArtWalk 2017

When: April 29, 2017

Where: Downtown Belmar Business District

ArtWalk 2017 is a family-friendly event that’s slated to take place along Main Street as well as Belmar Pyanoe Plaza. The event is showcasing a diverse mix of talents, including artists, musicians, and more. Good news, the event will be held rain or shine! As you explore the event’s vicinity, don’t forget to check out the walking mural tour, roving street musicians/performers as well as a secret word search prize drawing. This is going to be a fun-filled event that you will not soon forget.

Somerville Arts & Crafts

When: April 23, 2017

Where: Historic Downtown Somerville

As the event venue is surrounded by towns such as Warren, Flemington, Bridgewater, and Basking Ridge, Somerville Arts & Crafts has become a pretty popular attraction for arts and crafts lovers. With that in mind, the event will be showcasing a wonderful mix of quality fine art, contemporary crafts, etc., from photographers, craftsmen, and artisans. The unique shops and specialty retailers at the event can’t be seen anywhere else, so make sure you take your time to browse and appreciate the various handmade works here – for example, metal works, decorative fiber works, jewelry, pottery, watercolors, oil and acrylic paintings, and more.

Parent’s Night Out

When: April 21 to April 23, 2017

Where: Jellystone Park

If you want to spend an evening without the kids, and simply with your spouse, the Parent’s Night Out event at Jellystone Park is the perfect event for you. Jellystone Park will be hosting only parents during this weekend. So, it’s time to unwind and take a well-deserved break by having some fun playing games, staying up late, participating in group activities, and reliving the good old days as a young camper.

Open Farm Days

When: (Until) April 30th, 2017

Where: Stormwind Alpacas Farm

If you want to learn more about alpacas in an informal, friendly setting, head on down to the Open Farm Days event. Whether you are interested in learning about animal husbandry or fiber production, tailored presentations can be arranged to meet your specific interests. At the Stormwind Alpacas Farm, its farmers will be the ones sharing their extensive knowledge. What’s more, alpaca yarn and other finished products will be available for purchase.

As you can see, there is no shortage of interesting events happening in New Jersey every month. It is no wonder that many people choose to stay in the state. With entertainment venues abound and easily within reach, everything here is just so convenient. If you need help narrowing down your real estate options in New Jersey, don’t hesitate to email Josh@NJLux.com or call us at 201.568.5668 today.

5 Real Estate Apps That Are Trending

Today, technology continues to be a major facilitator for change in basically every industry, including real estate. With rise of smart devices and other technological innovations, both homebuyers/sellers and professionals will have access to a handful of tools that will take real estate to the next level. Let’s find out what some of these real estate apps are:

Sun Seeker 3D

Sun Seeker 3D is one of the most practical real estate apps that utilize GPS technology to display the path and position of the sun, no matter where you are currently located on the planet. Homebuyers can use this app to get a feel for how much natural light the property is regularly exposed to on a sunny, rainy and overcast day. If you need to plan a property photoshoot, the Sun Seeker 3D app will also come in handy.

Open Home Pro

Open Home Pro is a good real estate app that can be used by real estate agents as well as home buyers and sellers. The app allows users to add notes and comments while property hunting, without needing to manually enter of all that data into spreadsheets. What’s more, the app can be set to send automatic follow-up emails to clients and vice versa. All in all, Open Home Pro will save users a lot of time with data management.

ShiftPlanning

Although part-time real estate agents have the luxury of flexibility and freedom in their work, they may miss out on some financial opportunities if good time management is not properly practiced. This issue does not only concern employees – i.e., business owners that are running a serious real estate agency, and scheduling shift changes and conflicts are bound to happen. That’s where ShiftPlanning comes in – a stellar scheduling app that allows users to create a full schedule in 10 minutes or less as well as eliminate the need for spreadsheets.

PalmAgent

PalmAgent is a great app that allows users to run quick closing costs and estimates for both sellers and buyers. As the app is preloaded with county-specific lender fees, title rates, closing costs, and city-specific property tax rates, the estimates calculated by PalmAgent is pretty accurate.

CamScanner

It is pretty common for real estate agents to have to rush to their office to scan and send documents to their clients at least once a day. CamScanner is an app that allows its users to scan anything with their smartphone camera and convert that image into a PDF file. What’s more, the app comes with features that enable smart cropping and auto-enhancing.

As real estate apps allow agents to become more productive and better informed, you can be sure that they are well-equipped to serve their clients. If you are property hunting in New Jersey and plan to work with a real estate agent to make the search for your dream home easier, you are definitely making the right move. You can tap on our real estate expertise by sending an email to Josh@NJLux.com or calling us at 201.568.5668.

Neighborhood Guide: Saddle River, NJ

Saddle River is a borough located in Bergen County. It was incorporated from portions of Orvil Township in 1894 and is home to several historic sites including Ackerman House, Joe Jefferson Clubhouse, Stillwell-Preston House, and more. The zip code for Saddle River, NJ is 07458. The borough is named after the river that flows through it, which is also a tributary of the Passaic River. If you are thinking of exploring Saddle River, you will love the fact that it’s bordered by Allendale, Waldwick, Ramsey, Ho-Ho-Kus, Hillsdale, Woodcliff Lake, and Upper Saddle River. Let’s take a closer at Saddle River as a neighborhood:

Living in Saddle River, NJ

For starters, Saddle River has its own shopping district and the sites on which the properties sit are generally bigger. In addition, the property prices in Saddle River are above the national average and that’s why the borough is a resident-magnet for wealthy individuals and families. The borough features both modern and charming historic properties, which are an eye-opener. As there are recreational amenities such as the Ramsey Golf & Country Club and The Gravity Vault-Indoor Rock Gym, you will hardly hear anyone using “boring” as an adjective to describe Saddle River, NJ.

Dining Spots

  • Saddle River Inn

Saddle River Inn was founded in 1981 and is a contemporary fine dining French restaurant. Chef Jamie Knott is in charge and creates a delectable fare using ingredients such as prime dry-aged beef, local organic produce, sustainable seafood, the freshest line caught, and more. Saddle River Inn’s menu usually changes twice seasonally to continue using ingredients that are at the peak of their freshness. What’s more, the New York Times graces the restaurant with an excellent rating. In addition to dining in Saddle River, you can also choose to dine at other eateries that are located within close proximity to the borough – for example:

  • Varka Estiatorio

Located in Ramsey, NJ, the restaurant is only about a six-minute drive away from Saddle River. Since its inception, the restaurant has dedicated itself to the absolute freshest in European seafood. When you dine at Varka Estiatorio, don’t forget to try out their tantalizing appetizers before the main course. Some recommendations include their spinach Pie stuffed with feta and leeks, mini lobster gyros with sides including Cucumber tomato relish and mint tzatziki.

Points of Interest

  • Saddle River Museum

Whether you are staying in Saddle River or exploring the neighborhood, you should definitely take time to visit the Saddle River Museum as well as the various historic landmarks throughout the borough. At the museum, you will be able to learn more about the borough’s past, including the Lenni Lenape Native Americans, the time during the Revolutionary War, and more.

  • Campgaw Mountain and Ski Area

Campgaw Mountain is NJ’s premier learn-to-ski, snowboard, and tubing destination. The facility has 100% snowmaking capabilities and is located only 18 miles north of the George Washington Bridge. Whether you are an enthusiast or beginner at tubing, snowboarding, or skiing, you will love the fact that Campgaw Mountain has suitable skiing and snowboarding terrain for all abilities.

If you are thinking of living in Saddle River, we have the best luxury properties available here in this borough for your consideration. Check out these Saddle River listings now.

Why Property Sellers Should Hire Real Estate Agents

It’s easy to follow the idea of selling the property all by yourself, without involving the costs of a third-party member. However, this cannot match the significant benefits you can have by hiring a real estate professional. If you analyze the bigger picture, an agent who has been in the industry for a long time is more likely to get you the best bargains. Here are some practical reasons why you should be hiring an agent to sell your property.

Help You Save Valuable Money And Precious Time

Certainly, selling property is not something you do frequently, and there are high chances you know nothing about the real estate industry. You need to do a lot of research and read multiple sources to know how things are done. This can be a tedious process, which doesn’t guarantee you a good return. The time and money you save on hiring an agent is what you would have otherwise spent indirectly, trying to do things on your own. Working with an experienced professional makes the process easier, with better returns guaranteed.

An Agent Acts As Your Representative

Selling an entire property is no kids play. Apart from preparing your house for display and moving your belongings, you also need to maintain daily routine, and follow the general schedule.  This can be mentally tough on a working person. A real estate agent is dedicated towards handling these tasks, and they act as a buffer to help you deal with things like advertising, photo shoots or local networking to catch the right kind of buyer.

Give You Valuable Insight On The Pricing Strategy

Agents may not dictate prices to you directly, but they can offer you a valuable understanding of how the pricing strategy works in your case.  If you are finding it difficult to estimate the figures yourself, the agent will give you a clear picture about market scenario, and all kinds of costs that must be negotiated. Even though you are not bound to follow their advice, it is extremely useful to get the facts straight from an industry expert.

Smooth Negotiations

Negotiating a deal that involves money can be an awkward thing for many people, especially those who don’t know how to bargain. This is where an agent will give you a sigh of relief, as he represents your demand in front of the buyer. Given the skill and expertise of the person, he would know exactly how to talk money with the other party.  Not only does this make the transition smoother, but also helps in preserving confidentiality.

Handle Your Paperwork

Real estate transactions involve a lot of paperwork, which can be really confusing for someone who’s selling the property for the very first time. The agent has hands-on experience on all these stack of papers, and they can very well handle tax disclosures, purchase agreements, mortgage paperwork and almost any form that needs to be filled out. Since they have been managing this for a long time, they have less chances of making any mistake.

If you are a property seller looking for expert help for your house sale in New Jersey, let us give you a helping hand today!

Should You Buy A Historic Home In North Jersey?

Breaking away from the convention and purchasing a historic home may be a path less taken but can certainly offer tons of benefits.  Historic homes have a lot of sturdy features, with numerous benefits that you may be hard pressed to find in modern properties. Before you take a decision to buy a historic home in North Jersey, do consider a few important factors:

Does It Require Considerable Renovation?

Unlike contemporary properties, vintage homes may require extensive repair work before they are livable.  Whether its water supply system, roofing or any other renovation requirement, you need to factor in the estimated costs before purchasing the property. You can easily contact local contractors, and ask them to let you know the probable repairing cost. If it amounts to almost 20% of your purchasing value, then buying this property may not be a smart choice. And in case, major structural refurbishment is required, simply walk away from the deal. Such sort of renovations will always outweigh the advantages of owning a home.

Are There Any Limitations On The Usage Of Property

In order to preserve the historic value of the home, such property may have limitations on their usage. Prior to making the deal, check with the local body if there are any preservation laws in effect, which can hamper your future plans. For example, some of the areas may restrict you from modifying the exterior, including doors, windows and roof. No matter how much you like the appearance of your historic home at present, you may want to incorporate some changes in the near future. This is why it’s imperative to do a little background research, before you commit.

Estimate Average Expense On Utility Bills

Modern homes are well equipped with appliances that are cost-efficient and energy-saving at the same time.  On the other hand, a historic home may still be using outdated refurbishments, which can be quite heavy on the utility bills. So before you take the purchasing decision, make sure to know the approximate operating cost in full capacity consumption. This can actually make a big difference towards the actual cost you pay for your home.

What Are The Tax Options?

Prior to signing the deal, find out what tax rates or discounts apply to the property you are looking to buy. You may be entitled for a tax break as an owner of a historic home. However, to begin with, the median tax rate can be on the higher side, basically negating the discount.

What’s The Point In Buying A Historic Home?

The idea behind being an owner of a historic property is to showcase the unique architectural design that is something different from what most people buy. The beautiful outline of a historic structure stands on a durable base that have both passed the test of time and resistance. Apart from being aesthetically appealing, a historic home may have reduced tax incentives and rates as compared to other properties. If you do proper research, and hire an experienced agent to get the work done for you, you may be able to grab a good bargain on your purchase.

Smart Ways To Promote Property Features

The best way to make the potential buyers visualize the design and concept of the property you are marketing is to give them details that are neither too exaggerated nor too detailed. Just about enough to inspire the buyers who might have turned the other way. Say for an example, instead of writing a large bonfire cavity in the hall room, you can portray it as a common assembly area for some entertainment.  Whether you are looking to define from the seller’s point of view or what the buyer is looking for, here are a few points to help you balance the requirement.

Originally: Jumbo Walk-in Closet

The jumbo closets come along with extra space cabinets, rods, shelves and even seating space. As noticeable consumption is out of question here, potential buyers may perceive this place as a waste of space.

Market It As: Attached Laundry Room To Bedroom

In general cases, walk in closets are well illuminated with the daylight. This space can be used for numerous purposes, and the idea of attached laundry room is not at all a bad idea. After all bedroom is the place where all dirty attires originate, so why extra labor in keeping them on the roof or the basement. Closet shelving can be easily repurposed to make space for laundry supplies.

Originally: In-Built Kitchen Desk

In the past decade or so kitchen desk became popular with the notion of providing phone jacks and wall plugs for the convenience at hand. However, with the WiFi technology and greater use of smart phones these days, people don’t really demand this feature anymore.

Market it As: Extra Storage Space in Kitchen With Collective Design Counter

Open up the cooking experience to the whole family, and use that desktop space to provide comfortable sitting or playing area for kids and adults. Cabinets can be portrayed as pantry storage space, while a few pull out racks can also be attached.

Originally: Finished Top Or Basement

Finished level can be a tricky word, which can leave the potential buyer thinking whether he has to spend more to get the thing furnished.

Market It As: Guest Quarters With Heating Ventilation And Air Conditioning System

Help the buyers imagine how a flexible guest quarter with HVAC system can work for guests who crave privacy, close relatives and elderly parents who face difficulty in climbing the stairs. But make sure the space in question is already on a separate zone ventilation system.

Originally: Oversized Formal Dining Room

Lifestyle these days have gone beyond the convention of dining in a big space on the main floor. In fact some buyers prefer to entertain themselves in the kitchen itself.

Market It As: Multipurpose Entertainment Space

A big dining space can be easily portrayed as a common entertainment space, where you can set some comfortable couches, a giant LED Screen or some flashy lights. This is ideal to attract home buyers who have regular friends or family events. This dining area can be easily used for large group gatherings.

Neighborhood Guide: Totowa, NJ

Located in Passaic County, Totowa is a borough that was formed from portions of Wayne Township and the now-defunct Manchester Township. The zip code for Totowa, NJ is 07502, 07511, and 07512. The borough is also bordered by Woodland Park, Wayne, Paterson, Little Falls, and Haledon. What’s more, Totowa’s infrastructure for EMS, fire and police services are top-notch; it comprises the Office of Emergency Management, Totowa First Aid Squad, Totowa Fire Department, and Totowa Police Department. With that in mind, it’s easy to see why Totowa is a safe borough to live in. Let’s find out what Totowa is like as a neighborhood:

Living in Totowa, NJ

For starters, Totowa, NJ is a safe neighborhood with low crime rates, has pleasant and sunny weather as well as features a stable housing market and plenty of amenities. You can rest assured that there are a variety of quality schools in and around Totowa for your kids to attend. Whether you are looking for a property that features five bedrooms or four bedrooms with full baths, it will be easy to find your dream home in this neighborhood.

Dining Spots

Spiga Italian Cuisine

The restaurant serves up quality authentic recipes and patrons can dine in a dimly lit dining room that offers an intimate vibe; perfect for business associates, friends, and families. When you dine at Spiga Italian Cuisine, you will also be able to take in the sights of wonderful artwork along the walls. The restaurant also features an outdoor terrace, which is great for diners who want to enjoy the breeze while having lunch or dinner. What’s more, the restaurant invites diners to bring their own wine.

Sushi Lounge Fusion Cuisine

At the Sushi Lounge Fusion Cuisine, you will be able to select from an extensive array of Japanese faire. Since the inception of the eatery, they have ensured consistent quality of their cuisine, which has maintained the interest of their regular diners and kept them coming back. Whether you want lunch, dinner, or take-out, Sushi Lounge Fusion Cuisine serves both traditional and exotic recipes that you will fall in love with instantly.

Points of Interest

The Dey Mansion

Also known as Bloomsbury Manor, the Dey Mansion has played an integral role in the American Revolutionary War. This is a colonial house that served as Washington’s Headquarters on several occasions. Today, the house provides tours of all the original furniture and artifacts. What’s more, there is a genuine blacksmith shop here that makes horseshoes and clothes hooks for visitors.

46 Farmer’s Market Co

New Jersey has some of the most beautiful farms and best produce, which can be found at 46 Farmers Market in Totowa. While 46 Farmers Market is not a true farmers market, in terms of things being local or organic, you will still be able to find a plethora of the freshest fruits, spices, and vegetables at truly reasonable prices.

All in all, Totowa is a cozy and interesting neighborhood that you should live in, especially if you are just starting your family with kids. With quality housing options, an abundance of amenities, and stellar schools, you are recommended to start checking out the latest Totowa listings now!

North Jersey’s Best Wedding Venues

Need help with picking a special place for your big day? Don’t worry, there are many places in New Jersey that are ideal for throwing the biggest wedding party of your life – for example, North Jersey. Whether you are trying to find a wedding venue based on location, style, drama, or beauty, we have got many recommendations for you. Let’s check out the best wedding venues in North Jersey!

Nanina’s in the Park

Where: Belleville, Essex County, North Jersey

Nanina’s has facilities that make exceptional reception sites for weddings after the sun sets. In addition, it has beautiful gardens, a unique park setting, and unforgettable bridal walk. What’s more, Nanina’s can accommodate up to 400 guests for a seated dinner and a total of 1500 guests. If you choose Nanina’s to be your wedding venue, you will have access to its grand ballroom as well as take in the sights of gorgeous crystal chandeliers, a grand fireplace, romantic gardens, a waterfall, marble staircases, and more. If you want to stay at Nanina’s after your wedding is over, there is an elegant bridal suite awaiting your patronage.

The Conservatory

Where: Madison Hotel at Morris County, North Jersey

In New Jersey, the conservatory is known to offer one of the most unique and brightest wedding venues. When you arrive at the conservatory, you will be greeted by a space that exudes a visual hint of London’s famous Crystal Palace – complete with huge crystal chandeliers, hanging planters, and vaulted glass ceilings. What’s more, the venue features a ballroom, an award-winning steak and seafood restaurant, a hotel with spacious suites, and more.

Skylands Manor

Where: Ringwood, Passaic County, North Jersey

Skylands Manor is an American-style castle that is bordered by an enchanted forest. What’s more, it is situated on a hilltop! If you are seeking a grand location for your wedding, this mansion is the perfect for your needs. The venue spans 100 acres and features fountains, expansive lawns, and formal gardens. Skylands Manor can also accommodate up to 300 guests for weddings and offers a bridal suite, a ballroom, a private chapel, and more!

The Venetian

Where: Garfield, Bergen County, North Jersey

The Venetian’s stellar facilities feature one of the most extravagant interiors that truly feel like a place of magic and fantasy. You will have access to a grand ballroom that comes completed with an outdoor patio, lighted indoor fountain, dramatic staircase, on site catering and bar, gigantic crystal chandeliers, and marble floors.

Pleasantdale Chateau

Where: Essex County, North Jersey

Pleasantdale Chateau is situated in the center of a 40 acre estate, and is surrounded by grassy rolling hills and alluring gardens. The venue exudes an English Country estate feel and has a domed grand ballroom – one of the most dramatic spaces in NJ. The luxurious accommodations, charming wooden bridges, etc., will make your wedding experience an unforgettable one.

North Jersey is a friendly and welcoming state and it’s no wonder that many people choose to settle down here. What’s more, some couples who have held their weddings at one of North Jersey’s venues have also chosen to purchase their first home here and start a family. If you are keeping your options open and want to know what else North Jersey has to offer, don’t hesitate to contact us for the latest real estate listings and more!

Back To Real Estate Basics: Difference Between A Broker, Realtor, And Agent

If you are a novice to the real estate industry, the job titles for relevant real estate professionals may confuse you.  Mostly, these terms are used interchangeably, but there are certain differences between these roles and their requirements.  Let us figure out what actually does an agent, realtor or broker mean.

  • Real Estate Broker: Someone who has obtained the broker’s license, and has educational qualifications higher than that of an agent is a broker. He can either hire agents to work under him or he can choose to work alone. An associate broker works under the guidance of a lead broker.
  • Real Estate Agent: Anyone with a real estate license; be it as a broker, associate broker or sales professional can be called as an agent. You must attend classes and pass the license test to be a real estate agent; however, conditions can vary depending upon the state. Sales associate is just another name for an agent.
  • Realtor: An agent who is also a member of National Association of Realtors, will be able to use this job title. This implies he/she has to abide by a certain code of ethics and must endorse the standards of the association.

Possible Work Flow Between the Broker and the Agent

It is usually a higher likelihood that you are working with a real estate agent, but many brokers also offer services for home sellers and buyers themselves. So practically, if you hire an agent to make the deal for you, he is most likely to report the case to a broker. The broker creates the escrow account and handles the initial money deposit.

Real estate agents are answerable to the client, as well as the broker for his actions. In rare cases do real estate transactions face glitches, but in case it happens, the broker steps in to solve the issue. If you are unsatisfied by the agent’s service, you can escalate the matter to the broker and ask him for resolving the problem or to suggest an alternative.

Difference in Educational Qualification and Professional Experience

Educational requirements for being a broker are higher than that of a real estate salesperson. They need to attend real estate classes, and pass the state as well as national level exam. In addition to that, he/she must have actively worked as an agent for a period of 3-4 years.

When you are looking for a real estate professional to work with, it’s a good choice to work with realtors, who are committed to uphold the norms of an organization and maintain the ethics of the real estate business. No matter who you choose to work with, always take out time to do a little background research, and ask the candidate for references.

In fact, ten minutes of intense questioning can give you a real picture about the person you are looking to hire. If you are considering someone inexperienced, make sure to ask the supervising broker for the meeting as well, so that you are confirmed that someone experienced is able to vouch for the real estate contact you will be working with.

What Property Buyers Should Know About Closing Cost Negotiation

Closing costs are an integral part of the home buying process. It is not unheard of that some home buyers have no idea exactly how much they are going to pay until the process is initiated. Before taking up a home loan, you should find out about the exact breakdown of closing costs, which may change depending upon the type of mortgage you have. Other factors such as lender fees, property taxes and insurance can also have an impact on the final costs. Do you know that certain closing costs can be negotiated? Let’s find out more about the closing cost negotiation so that you may buy the house for even lesser than you have expected:

Mortgage Insurance

You may also have to pay the annual costs for mortgage insurance, which can vary from one lender to the other. Some of them may charge you on the higher side in the total mortgage loan. Check out with your creditor to know the exact figure you need to pay upfront.

Landlord’s Insurance

The options for negotiation can be limited in this case, based on the area that you live in. But you can always reduce the costs on such an insurance. This is important, since you won’t be able to close on a mortgage without it. Look around for several brokers to get the best deal in the market that suits your budget as well as your requirement.

Title Insurance

This is another essential cost you need to cover. Although there is no compulsion, but in case there’s a problem, it can help you save a lot of money. This insurance is designed to resolve issues regarding the property’s title against fraud or previous disputes.

Attorney Fees

This is generally charged upon you, if the lender seeks assistance of a third-party attorney involved in the process. In a majority of cases, this fees can be easily negotiated or the lender may also choose not to involve them in the final costs.

Costs On Newly Constructed Property

If you are looking to construct a new home rather buying an old one, you may be entitled for valuable credits that can cut down final closing costs. To get the best value, check with a local brokerage and ask for a comparison between the different options. An experienced realtor will be able to answer your questions here effectively.

Property Tax

Property Taxes associated with purchase of home may also have to be covered by putting a certain amount of funds into an escrow account. The creditor will then pay on your behalf, and the advance deposit ensures that there is sufficient money to cover the bills.

Closing cost negotiation should always be done prior to signing the sales agreement. Based on the regulations of the local government, you may also be required to pay additional fees. Always look for better deals to lower down the cost, and do not back away from negotiations in any case. When the day arrives, make sure you have the payment ready. Always remember final closing costs can vary a lot from the estimated amount, so you need to be prepared for that.

Manson in night view

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