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Real Estate Consulting for Buyers


Introduction:

Hi,

I'm Amos Elroy and the creator of the HobNJRE.com resource site.

I hope you are finding the site, its tools, and information useful!

As a Residential Real Estate Consultant I built the site to provide my clients and the general public with access to information usually only accessible to the professional Realtor. I am however, as I mentioned, a Real Estate Consultant working with two main groups of people. Those who owe more on their house that it is currently valued at, and have difficulty paying the mortgage due to hardship, and private investors who are working towards financial independence.

Though my goal is to eventually derive 100% of my work from clients who were introduced by former clients, I am open for work with those individuals who I can help.

Below are some advantages of listing a property through me or one of my team.

Sincerely,

Amos Elroy Lic. Realtor Assoc.
SFR (Short-Sale Specialist Certified)
Residential Real Estate Investment Consultant
Lic. Realtor Associate
EXIT On The Hudson Realty
(888) 462-6573 / (888) HOB-NJRE
FAX (888) 462-6573
Office 201-437-0411


 

Why Work with Us?

  • Listings Notification

    The best property sale deals are often gone before you turn around, snatched by savvy investors. We can enter you in our alert system, which will notify you instantly via e-mail, or other means, whenever a property matching your criteria hits the market.

  • MLS Search of Hoboken & Hudson County

    Very soon visitors to this site will be able to search listings directly on the Multiple Listing Service. We are excited to extend the very same access to Hudson County listings as professional Realtors have. Check here soon!

  • Convenient methods of communication

    Gone are the days of only paper and pen. We recognize it and provide flexible means of communications, be your preference e-mail, fax, postal mail, or visit to the office, you name it, we will work around you to accommodate your life-style.

  • Courteous & Dedicated Service

    Your satisfaction is a crucial part of my business as I count on referrals, as well as repeat business with you in the long term.

  • Professional Realtor Services with an Edge

    Would you require professional help buying your property, or simply a free consultation with an expert, rest assured me, and my team, will provide you with value added services. I provide my help in a consultative manner, which distinguishes me from the majority of Realtors in the market. Please contact me for further elaboration.

 

 


Home Buyer Articles

How not to pay too much for your home
Whether you are buying your first home, or your fifth, the process of buying a home is a detailed, time-consuming venture...
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Ensure A Smooth Home Purchase
Buying a home can be an emotional, time-consuming, and complex process...
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Avoid the Most Common Buying Errors
Shopping for a new home is an emotional experience. It’s also time consuming and comes with a myriad of details...
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Things To Keep In Mind When Buying Your First Home
Many renters are starting to think about purchasing a home of their own. Several factors should be considered when purchasing a home...
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The Complete Home Buyer's Toolkit

"To leave satisfied you must arrive prepared."

Consider this your home buyer’s toolkit. Open it up, take a look around, and if you like, start equipping yourself with the tools necessary to make your best purchase. In most businesses, knowledge equals power, and real estate is certainly no exception.

I hope you enjoy the free reports I’ve provided, and I hope you learn a little more about what it takes to make your important purchase a great one.

The real estate market in Bayonne is certainly volatile, and all of the information about buying a home can be overwhelming. I can help.

When you're ready to act, contact me.

I fight on behalf of my buyers.
I negotiate the absolute best price.
I protect you.
I simplify your transaction for you as much as possible.

I look forward to working with you.

Thanks for stopping by,
Amos

 

The Complete Home Buyer's Toolkit


Affordability Calculator


Let us help you find out what property fits your income! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.
 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  

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