Agresti Realty LTD

Hoboken Homes & Condos for Sale

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  • Home
  • About Agresti LTD
  • Communities
    • Jersey City
    • Hoboken
    • Weehawken
    • Close
  • Resources
    • Blog
    • Tips for Buyers
    • Tips for Sellers
    • 1031 Exchanges
    • Close
  • Client Reviews
  • Buyers
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Buy

BUYER

Why Buy With Us?

Everyone dreams of owning their own home. When buying your first home, it can be a very exciting, yet anxiety filled experience. However, if you know what to expect during the home buying process you will be more relaxed and comfortable during this lengthy process.


 

Setting a Budget

Before the house hunting process begins, it is important to know how much you can afford. Expenses to consider include the down payment, monthly expenses, property taxes and any home insurance costs. These will all have to be considered before the home buying process begins as they are typically included in your new monthly payment. Since a person’s credit score determines their interest rate, knowing your score ahead of time can help you decide if now is a good time to buy or not. An individual’s debt-to-income ratio must also fall within acceptable limits of the home’s cost. Once you have determined these things, and if you feel that your budget has enough room to afford a new home, then its time to begin the home buying process!

Getting Pre-Approved

When looking for a loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and companies will offer different loan origination fees and by shopping around you can often times save yourself a lot of money. Be sure to also check your loan officers website for testimonials and information. A good loan officer will offer you many online resources and tools. Before you lock in your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month and come in fixed or adjustable terms. Mortgage lengths can range from 15 years to 30 years with some loan providers now offering 40 year mortgages as well. The longer the repayment term, the lower the payments will be. However, the interest accrued will also be higher on a longer loan.

Calculate your Mortgage Costs

Finding a Home

Once you have been pre-approved for a mortgage and you know what amount your bank has approved you for, it’s time to find your dream home! First, find a Realtor. Not just any Realtor will do. Make sure you have an expert realtor who has been around for a while and is knowledgeable about the area you are moving to. A well seasoned Realtor often times has seen many of the homes in your area on the market before and can help you spot a potential money-pit before you buy it. Ensure that you make a list of needs and wants taking into consideration the amount of bedrooms you will require now and in the future, amenities, location and asking price. Remember, the first home you visit might be beautiful, but you should visit many homes before making a final decision.

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Making an Offer

There is an art to making an offer on a home. Typically, sellers place their home’s value a little higher than their desired price. A buyer will send in a lower bid, in a reasonable range, and the seller will counter with an offer somewhere in the middle. Appliances might also be negotiable if you are willing to up your offer a bit. Your Realtor will be watching for signs of problems in the home and will make suggestions to you regarding the offer. Listen to them closely as this is their business and they do it every day. The average buyer only buys a home once every 7 years or so. An experienced Realtor will be able to help you negotiate a lower price that sometimes includes concessions or closing costs. Their job is to protect you in the contract.

Home Inspections

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late.

Home Insurance

Lenders normally require that you insure your home. Home Insurance Policies cover the costs to fix any damages that might occur to the home. The price of this insurance is dependent on a home’s age, location and value and the insurance company you choose. Be sure to call around and get several quotes. Agents will oftentimes be able to take your information over the phone and get back to you the same day with a quote. Once you choose a company to insure your new home, the cost of that policy is normally added into your closing costs and sent into an escrow account to be paid to the insurance company directly the first year.

Escrow and Closing Costs

Before the home is legally transferred to you, the closing process must occur. During this phase, you will sign all of the mortgage documents, pay closing costs, and sign various other legal documents. Once all of the papers are signed, the keys to your new home are yours! The only thing left to do is move into your humble abode. This may occur immediately after the closing or at the date set in the closing documents.

Talk To Joanne Agresti Right Now!

Have a question? Give me a call at (201)-420-9400, or you can click my photo for more options to call or email and I will contact you right away.

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Our Communities

Jersey City

About Jersey City Some cities are known for their landmark attractions, for their action-packed nightlife, or simply for the unmatched quality of their community. Today, all of these elements and more have come to define the City of Jersey City. From the Greenville neighborhood to the bustling Downtown area, the City is engulfed in a […]

Weehawken

About Weehawken The Township of Weehawken is a diverse community with a rich history. 
Home to beautiful parks and ball-fields, excellent schools and top-notch municipal services. Weehawken’s school systems provide a progressive and comprehensive education to the children of this town. The system’s low student-teacher ratio is just one reason that Weehawken High School is […]

Featured News

Spring preview – Exclusive sneak peek!

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Contact Agresti Realty LTD

201-420-9400
info@agrestirealty.com

84 Washington St. 2nd fl
Hoboken, NJ 07030
License #: 8331851

Recent Testimonials

Highly likely to recommend!

My husband and I don’t have enough positive things to say about Joanne. She is simply and truly the best real estate agent we have ever worked with. She is extremely knowledgeable in all areas of real estate and went above and beyond in all areas of helping us find and purchase our home. Whether
…

My husband and I don’t have enough positive things to say about Joanne. She is simply and truly the best real estate agent we have ever worked with. She is extremely knowledgeable in all areas of real estate and went above and beyond in all areas of helping us find and purchase our home. Whether it was her constant availability (calling and checking in with us while she was on vacation), her taking it upon herself to go to town hall to check out zoning and tax records for a potential property, her ability to give sound advice and referrals, or her working with us through the entire sales and closing process. She was always one step ahead of where things needed to be and always kept us on track through the closing process (which can be stressful)! Whether it was calling to check in on our lawyer, our banker, our inspection…or stepping in for us when we couldn’t meet a plumber at the potential new home to get an estimate on a repair. Whatever it was she was always there and she was there willingly! Her level of attention to detail and customer service is unparalleled. And on top of it all, she is a wonderful, pleasant person! We’ve learned from experience and will only use Joanne going forward. Thank you, Joanne!

Read more “Highly likely to recommend!”

Highly recommended Hoboken Realtors! 110%

Long story short, Joanne is a fantastic Hoboken Realtor. My wife and I have two young children and have been renting basically because we did not know if we wanted to continue living in an apartment or instead, get a house. Our landlord graciously gave us 1 day notice that he was selling our rental
…

Long story short, Joanne is a fantastic Hoboken Realtor. My wife and I have two young children and have been renting basically because we did not know if we wanted to continue living in an apartment or instead, get a house. Our landlord graciously gave us 1 day notice that he was selling our rental out from under us, however, which forced our hand to decide quickly. My wife immediately began scouring apartment listings. About two weeks into our 5 or 6 week search we happened to meet Joanne via a cold call (from us to her). I remember to a T our first meeting – Joanne brought us to a brownstone that my wife wanted to see and I said (to my wife’s embarrassment) that I hated the place and that it was a waste of valuable time. Unlike many people I’ve worked with in the past, Joanne immediately began thinking about why my wife and I weren’t on the same page and began taking us around to narrow in on exactly what we were looking for. She told us when a bid was a good idea, when things would not work, who we should trust and what we should consider. When we finally found the place that we purchased, Joanne was there every step of the way to push where the seller needed to be pushed and to keep us sane when we (as first time buyers) were overwhelmed. Every single step of the way Joanne treated us like true friends. We owe our Hoboken Condo (and sanity) to Joanne and would recommend her 110%.

Read more “Highly recommended Hoboken Realtors! 110%”

Dan and Jordyn
Hoboken

5 star service!!!

Your experience, knowledge, commitment and expertize with regards to the sale of my mom’s home was a wonder!…You know your stuff …who sells a house in 5 days!!!????..for significantly over asking price!!!!  Thank-you again.  

Constance
Monmouth County

Always advised and represented us with the utmost professionalism and candor

We have bought and sold investment real estate in the Hoboken/Jersey City area for over 20 years, and Joanne Agresti has been the only broker with whom we have worked during that period. She has always advised and represented us with the utmost professionalism and candor, resulting in many successful purchases over the years. In
…

We have bought and sold investment real estate in the Hoboken/Jersey City area for over 20 years, and Joanne Agresti has been the only broker with whom we have worked during that period. She has always advised and represented us with the utmost professionalism and candor, resulting in many successful purchases over the years. In addition, her unparalleled market insight and ability to navigate the playing field have proven invaluable in helping us to evaluate potential properties and determine the best course of action. We cannot speak more highly of her, and look forward to continued success as she guides us through our next 20 years of investing in the real estate market.
-K and J Murray

Read more “Always advised and represented us with the utmost professionalism and candor”

Mr & Mrs. Murray
Jersey City

Joanne has been my “go to” realtor in Hoboken for my last 10 years

Joanne has been my “go to” realtor in Hoboken for my last 10 years in Hoboken. She has been responsible for 5 transactions, helping me buy and sell homes in both “buyer” markets as well as “seller” markets. As a seller, she has aggressively marketed my homes and consistently met my expectations in terms of
…

Joanne has been my “go to” realtor in Hoboken for my last 10 years in Hoboken. She has been responsible for 5 transactions, helping me buy and sell homes in both “buyer” markets as well as “seller” markets. As a seller, she has aggressively marketed my homes and consistently met my expectations in terms of timeframe and asking price. As a buyer, Joanne has found multiple homes for me that were “perfect” at various stages in my life. She is knowledgeable and personable and a pleasure with which to work. If you are planning to buy or sell in the Hoboken area, I highly recommend Joanne Agresti!
-Erin Byron

Read more “Joanne has been my “go to” realtor in Hoboken for my last 10 years”

Erin Byron
Hoboken

Exceptionally knowledgeable, down to earth, kind, and patient

We have worked with a few real estate agents in the past, but ever since our first encounter with Joanne, we knew that she was vastly different from the others. She was exceptionally knowledgeable, down to earth, kind, and patient. And trust us, we saw numerous places until finding the home that we loved, but
…

We have worked with a few real estate agents in the past, but ever since our first encounter with Joanne, we knew that she was vastly different from the others. She was exceptionally knowledgeable, down to earth, kind, and patient. And trust us, we saw numerous places until finding the home that we loved, but Joanne’s persistence and diligence enabled us to make sure that we found a home that met all of our criteria. She always gave her expertise and opinion, and never pressured us to make a decision. Finding a home that we loved, in addition to finding a sound investment was essential to us, and as a real estate investor herself, she was able to provide feedback and guidance on both aspects. Joanne was not just an agent to us, we trusted her completely and she was a friend to us as well. There is no one that we would recommend more highly than Joanne. We are grateful for all of her help and support by utilizing so much of her time to make sure that our needs were met, and that we were content and confident with our important life decision.
-Jennifer and Brian, from Hoboken, New Jersey

Read more “Exceptionally knowledgeable, down to earth, kind, and patient”

Jennifer & Brian
Hoboken

Agresti Realty helped sell our home!

Joanne is very professional and dedicated to her clients. She managed to find a house for our growing family and sell our old house in a very competitive market. She addressed all our requests and promptly answered all our questions and concerns. We highly recommend working with Joanne.

Mr & Mrs. Nelson
Union City

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