Lana Henriques
Coldwell Banker Realty

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Reasons to Work With a REALTOR®   REALTORS aren’t just agents. They’re professional members of the National Association of REALTORS® and subscribe to a strict code of ethics. This is the Realtor difference. Choosing Lana Henriques, a Top Realtor, at Coldwell Banker Realty, you will have a professionally trained, experienced agent to represent you.   Contact Lana Henriques at 201-310-6560.

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Homebuyers I will guide you throughout the home buying process with honesty. I will respect your budget and listen carefully to what your needs are. I work diligently to find a home that is perfect for you. I will Negotiate the best possible price and terms. I keep a close eye on the market on a daily basis for my buyers to help identify the best opportunities. 

Reasons to Own A Home

  1. Tax benefits. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, and some of the costs involved in buying a home.
  2. Appreciation. Historically, real estate has had a long-term, stable growth in value. In fact, median single-family existing-home sale prices have increased on average 5.2 percent each year, according to the National Association of REALTORS®.  
  3. Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.
  4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.
  5. Predictability. Unlike rent, your fixed-rate mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will likely increase.
  6. Freedom. The home is yours. You can decorate any way you want and choose the types of upgrades and new amenities that appeal to your lifestyle.
  7. Stability. Remaining in one neighborhood for several years allows you and your family time to build long-lasting relationships within the community. It also offers children the benefit of educational and social continuity.

I can provide detailed information on almost any property currently listed for sale. This includes Coldwell Banker listings as well as all other real estate broker listings on the Multiple Listing Service (MLS).  Your Coldwell Banker agent is the only resource you’ll need. I also have plenty of advice to help you choose the right home and the right neighborhoodDuring this initial phase, you may also wish to begin the process of selecting a local real estate attorney to represent you once you have an accepted offer on a home. If needed, I can provide you with a list of local attorneys that specialize in real estate.

Making an Offer on a Home

Once you’ve found a home you’re interested in buying, then I will prepare all paperwork for your review and signature to make an offer. Typically, you will provide the following information to relay to the seller or their representative:

  • The amount you are willing to pay along with a pre-approval letter.

  • Mortgage amount

  • Closing and occupancy dates

  • Personal property included or excluded (appliances, lighting fixtures, etc.)

  • Contingencies, such as obtaining a mortgage, building inspections, and pest inspections, including (where appropriate): termite, pest, radon, water quality, well, lead, septic, oil tank, etc.

If the offer is not acceptable to the seller, further negotiations may be necessary to reach terms that are agreeable to both buyer and seller. Counter-offers are common, so it is important that you remain in close contact, during the negotiation process to quickly review and respond to proposed changes. Your Offer Has Been Accepted! The contract writing procedure required down payments, building inspection contingency dates are the next step and, Timing is critical!

Between Contract and Closing

There are a number of details, at this stage, and Coldwell Banker is here to help. Our exclusive Concierge Program is designed to assist you with the services you need before, during, and after your move. From moving companies and new community information to home improvement services, we’re here every step of the way.

What to Expect at the Closing

Closing is a formal process where all parties sign the necessary paperwork to complete the transaction and transfer the property’s title from the seller to you. The seller receives payment for the home, and you receive the house keys! From the amount credited to the seller, the title representative subtracts the funds to pay off the existing mortgage and other transaction costs. Deeds, loan papers, and other documents are prepared, signed, and ultimately filed with the local property record office. 


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NEWJERSEY The data relating to the real estate for sale on this web site comes in part from the Internet Data Exchange Program of the NJMLS. Real estate listings held by brokerage firms other than Coldwell Banker Realty are marked with the Internet Data Exchange logo and information about them includes the name of the listing brokers. Some properties listed with the participating brokers do not appear on this website at the request of the seller. Listings of brokers that do not participate in Internet Data Exchange do not appear on this website.

All information deemed reliable but not guaranteed. Last date updated: Nov 27, 2021 10:31:am.

Source: New Jersey Multiple Listing Service, Inc.

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