James Lockard - Bergen County Real Estate Blog

Bergen County NJ - The next step in going over your credit reports is to really rank the items being reported about you to find ones that are the most negative. Rank the negative items with the MOST negative ones given the lowest ranking. Get my Free, Step By Step Loan Modification Guide by click...

Bergen County NJ - Once you have gotten your credit report, the next step in the process of restoring your credit score is to go over it with a critical eye. Analyze what the report says. Get my Free, Step By Step Loan Modification Guide by clicking here. Put aside any emotion that looking at the...

Bergen County NJ - One of the common reasons that people are concerned about a foreclosure or short sale in their history is because they are concerned about their credit score. Get my Free, Step By Step Loan Modification Guide by clicking here. While it's true that your credit score will be adve...

Bergen County NJ - The biggest advantage a short sale has over a foreclosure is that you can buy your next home much sooner. Get my Free, Step By Step Loan Modification Guide by clicking here. Under current lending guidelines, you can buy another home in 3 years after a short sale. After a forecl...

Bergen County NJ - The Stop Foreclosure Institute recently received a question from Dan. Here was Dan's Question. "I recently purchased another home and tried to sell my former home. It isn't selling and I can't afford to make both payments. The home won't rent for even 1/2 of the mortgage paymen...

Bergen County NJ - Yes, short sales actually help preserve home values in a neighborhood. Here is why. Most people short sell their home while they are still living in the home. They are maintaining the home, mowing the yard, keeping the air conditioning on, etc. Most bank owned properties are em...

Ridgewood NJ - The Stop foreclosure Institute recently received a question from Susan about short sales. Here was Susan's Question. "My home is scheduled to be going on the courthouse steps in about 2 months. I had thought about short selling, but a friend told me I wouldn't have enough time to d...

Bergen County NJ - The Stop Foreclosure Institute recently received a question from Tom about short sales. Here was Tom's Question. "My Ex-wife decided to Short Sell our former house. Unfortunately we both signed the mortgage when we bought the house together. I think that means I am still liable...

It is getting to be that time of year again and I thought it might be nice to repost this blog I did about four years ago.  If you want to know what Allendale is about, you should try and be around the town on the Fourth of July.  Some of my earliest memories in town reflect back to this day.  Th...

Bergen County NJ - Many Americans are concerned about the housing market. If they housing market continues to decline, then it could drag the economy with it. At least that's what some economists are saying. We want to be part of the solution, not part of the problem. So, we decided to propose a ...