From the NYT:
The desire to test-drive the suburbs by renting is understandable. For most families, buying a house is the largest investment they will ever make. In a time of economic uncertainty, with employment continuing to sputter and many people not convinced that the recession is over, the decision looms especially large. The temptation to go slow is powerful.
“Given the dismaying economic news over the past few years, people are afraid,” said Roberta Baldwin, a partner in Keller Williams Realty who recently had five houses for rent in Montclair, N.J., and now has one. “This is the biggest purchase they’ll ever make, and for many people it’s too daunting until they’ve immersed themselves in the fabric of a place.”
Another economic factor is at work. “Prior to 2008,” Ms. Baldwin said, “people felt they had to grab a place because the competition was so great. But now that prices are still flat or rising modestly, people feel they can take time to look around.” Because home prices are not escalating quickly, some owners choose to rent out a house they can’t easily sell. Thus houses that might not otherwise be up for rent are available. In addition, many would-be suburbanites are increasingly choosy. “There’s a new group of buyers, Gen X and Gen Y,” Ms. Baldwin said. “They’re used to living well, and they don’t want to make an architectural or a geographical mistake. They feel they’re entitled. And so they’re stepping tentatively.”
Happily for this population, suburban rents tend to be the same or lower than in the city. Even taking into account property taxes, the money and psychic energy that families save when it comes to schooling are considerable. And the stigma that once attached to suburban families who rent rather than own seems to have largely disappeared.
Families preparing to make the big leap to the suburbs want to make sure they will land in the right place, or as Ms. Frost summed it up: “We weren’t comfortable making such a large investment before we really knew a neighborhood. Before paying out a huge amount of money, we wanted to make sure a town was a good fit.”
…
For suburban newbies, a town’s personality is key. While vast amounts of information about everything from taxes to school test scores are available online, to get a sense of subtle but critical factors that determine a town’s true nature, some say there’s no substitute for sinking a few roots. Renting gives you time to see how people dress, observe their habits and eavesdrop on their conversations.
…
“The car line where parents drop their children off at school tells you a lot,” said Esther Davidowitz, editor in chief of a cluster of magazines about Westchester County. “If you’re the only Toyota in a line of Mercedes, maybe it’s not exactly your town. If the moms are wearing makeup at 8 in the morning and you’re in your pj’s and T-shirt, that’s a bit of a hint, too.”
…
Once in a great while, a family will test-drive the suburbs, then decide that they miss urban life more than they expected and head back to the city. “But that’s very rare,” said Ms. Baldwin, the broker from New Jersey. “I’d say 99 percent of people who start out by renting in the suburbs want to make it permanent.”
From HousingWire:
Freddie’s REO inventory down 30% from peak levels
Freddie Mac executives feel more optimistic about the housing market with Freddie’s REO inventory down 30% from peak levels, home prices on the rise and unemployment edging lower.
“As of our last quarter, we were at about 53,000 units,” said Chris Bowden, vice president of Freddie Mac’s HomeSteps unit, while speaking at HousingWire’s REperform Summit, a mortgage servicing conference that concluded Friday in Dallas.
The REO figure is down from 2010 peak levels of 75,000 homes in the government-sponsored enterprise’s standing inventory.
“We were prepared and ready to go higher than that,” Bowden said. But REO acquisitions slowed after the foreclosure affidavit issue that became known as robo-signing hit the industry in the fall of 2010, pushing distressed inventories down, Bowden explained.
The trend of fewer distressed assets continued with REO buyer-demand picking up in recent years, Bowden added.
From NMP:
Homeowner Equity Rises to Levels Last Seen in Q3 of 2008
The U.S. Department of Housing & Urban Development (HUD) and the U.S. Department of the Treasury have released the September edition of the Obama Administration’s Housing Scorecard—a comprehensive report on the nation’s housing market. Data continue to show signs that the housing market is strengthening—home equity has increased by $860 billion since the end of 2011 and August had the highest level of existing home sales in more than two years—although officials caution that the overall recovery remains fragile.
“As the September housing scorecard indicates, our housing market is showing important signs of recovery—with homeowner equity at a four-year high and summer sales of existing homes at the strongest pace in two years,” said HUD Acting Assistant Secretary Erika Poethig. “The Administration’s efforts to keep housing affordable and refinances strong are critical with so many households still struggling to make ends meet. That is why we continue to ask Congress to approve the President’s refinancing proposal so that more homeowners can secure the help they need.”
Good morning New Jersey
With lower rates never seen before and able to refinance to a 15 year,equity build up quick. 15 year at 2.6% is almost interest free for 15 years.You have to be crazy not to take advantage of this low rates
“There’s a new group of buyers, Gen X and Gen Y,” Ms. Baldwin said. “They’re used to living well, and they don’t want to make an architectural or a geographical mistake. They feel they’re entitled. And so they’re stepping tentatively.”
Of course they feel like they’re entitled. Hey, you little snot-nosed f.ucks, pay your dues first before expecting a pony. Eat some sh1t and gain a little wisdom before attempting to call the shots. I have zero respect for 90% of the “whine” generation. Sorry, I’m not impressed.
5. Eddie. Uh. You whine more than any human being on the planet. FYI
Your whole web persona is based on one extended Whine.
And then there is this.
http://www.realtor.com/realestateandhomes-detail/33821-Sw-Laurel-Rd_Hillsboro_OR_97123_M27078-41655
600k in Oregon? That makes me feel better about house prices in Jersey.
House on our street has been in “test drive” mode for three years now. Owners had to relocate, had bought very high, and couldn’t sell without losing a boatload of cash, so now they are renting it to other relocation families in hopes of the market coming back. Last year’s tenants did want to buy it, made an offer, but the owners couldn’t take such a loss, so back it goes, rented out to another relocation family. They bought another house in the town, some of the tenants decide this town isn’t for them and buy elsewhere.
I think that house will be in test drive mode for many years.
7:
I’d rather be dead somewhere locally than, well, not really.
Hard to tell from just pictures, but itwould appear to meet most of the criteria on the Grim Spectrum of Acceptable Home Finishings. What are the taxes?
Why would being the only Toyota make you not want to live in a town full of Mercedes? Who cares. Sounds like she is steering people there, I would watch out with statements like that.
Opps, there they are…read on. Appears the taxes are a differentiator relative to our great state.
And who’s kidding who… like the “whine” generation have a choice whether to buy or not buy? They got 200 bucks in the bank, some iShit device stuck to their mug and a thumb up their @ass. Knock! Knock! You need 20% down minimum and some hard @ass assets or mister banker will laugh in your face. I know, pant up demand (insert chuckle). Can you see all the 28 year olds lining up with a quarter mil in the bank and their choice of six digit salaried jobs? LOL!!
Essex [7],
So, when is your closing date?
Dining room at the foyer?Where is the coat closet at the foyer? Nice view at the masters br
13 – Just wait till we get to Paramus… LA says she’s got more than a dozen showings lined up for today, despite the open house tomorrow. She said if we don’t want to have to wait our turn, we might want to stop by later in the afternoon.
grim [16],
When there’s absolutely nothing else worth seeing in a town the size of Paramus and taxes are $6100, I’d be surprised if there wasn’t a line out the door.
Anyone thoughts ,do I let revale guy for my town in to look at my house, he missed us twice so they will give up & est. ?
14. TBD Baby TBD. You know I love ya there cuddy.
Troof To Power.
[13] eddie
I have an older friend, nice house, 3 car garage. Professional man. Was quoted 600.00 to reseal his driveway. He is doing it himself , 250 in materials. I read JJ’s posts and think, it’s 600 today, 800 tomorrow. Why. Who wants it. I understand JJ as he thinks the same way as me. Meet a lady, same town. Wants a patio. Quoted 56k for patio. Huh? Tax bills of 17k, 18k. Who needs it. Houses become an anchor around your neck if they are too expensive. Eddie, hope your presidential choice gives you your pony. Make sure you ask for a pony with a sack of Wellbutrin or Cymbalta. It’s the least they can do for you giving them your vote.
From lead article…..
“And the stigma that once attached to suburban families who rent rather than own seems to have largely disappeared.”
Tell that to this sack of m’fers who are in walking distance of me……actually they hate me more because they feel my presence is thumbing my nose at their bad decisions…….to them I say “Mondelez”…
Montclair Reductions
http://www.baristanet.com/2012/10/baristaville-open-houses-sunday-oct-7/
Back in the day he was Mike Piazza’s beau….
Weather Champ’s ‘I dew’
“Good Morning America” weather anchor Sam Champion is tying the knot.
ABC News says Champion and his boyfriend, Rubem Robierb, are engaged to be married later this year.
Champion tweeted yesterday that he’s “never been happier” to share a bit of personal news.
ABC says Champion and Robierb met through mutual friends in Miami, where Robierb lives.
Champion joined ABC News in 2006.
Before that, he spent nearly 20 years at New York City TV station WABC/Channel 7.
Robierb was born in Brazil. He’s a fine-arts photographer who shows his work in Miami, Atlanta, New York and Santa Monica, Calif.
I had to google champion. I knew he was a guy,had to make sure. Damn
Mondelez
[24] chifi
Explains why the weather report always set off the gaydar.
I think that rent trial runs will catch on. We considered it before settling into this rental, and we also considered offering it on our house.
Phoenix [21],
Nobody gets a pony unless one pays for it. Try explaining that to the other side but that’s a different discussion. Me personally, if I can’t afford the pony, then I don’t buy it. It’s as simple as that.
Wanted to enjoy the weather and a brief break from the girls with a bike ride. Got about a 1/2 mile down my road (it goes unpaved behind my house and emerges again on blacktop on the other side of the hill), and the recent regrading must have kicked up some unwelcome guests. Picked up a 4 inch galvie that went in the tread of my mt bike tire and emerged through the sidewall next to the bead.
So today is already starting to suck.
[6] essex
Bitchslap!
[9] Ann,
Only problem with test drive mode that I see is the fact that the renters will figure out what is wrong with your house and that will result in huge reductions or loss of sale.
It was the primary motivator for me NOT doing this. Otherwise, I think it is a good idea.
[32] Only problem with test drive mode that I see is the fact that the renters will figure out what is wrong with your house
Nom,
That’s exactly what happened with our last rental. Not only did we realize this was not the neighborhood for us (too busy with cars driving back and forth to cul de sacs throughout the subdivision, nosy neighbors) we realized that the owners had completely neglected any maintenance on the house. We should have backed out the minute they refused to paint the walls before we moved in but we felt sorry for them as the husband had lost his job and needed a way out. We seriously thought this was the house for us but our two years of rent was the best money I could have spent to get a good school district and learn about what to look for in buying a house “to own”.
32 Yeah, I thought that too. These houses are pretty cookie cutter though, so I don’t think there were any surprises. And hey, I guess not having to move all your stuff again is always a plus, especially if your kids are happy enough in the school system. They ended up moving right down the street.
600 to seal a driveway! How big is that driveway? Holy carp.
Ann mine was like 1/2 ac long then with pad for three car garage plus 2-3 cars to left not in way ,$250.
U.S. Rep. Paul Broun’s view that the theories of evolution and the big bang are “lies straight from the pit of Hell” is getting more exposure than he might have expected, thanks to a video that was made at a church-sponsored banquet in Georgia and distributed by a progressive political watchdog group.
The Georgia Republican is already well-known as an outspoken conservative Christian, due in part to his unsuccessful campaign to have 2010 declared “the Year of the Bible.” But the latest comments have taken on an extra dab of controversy because Broun, a medical doctor, calls himself a scientist in the video and chairs the House Science Committee’s panel on investigations and oversight.
http://cosmiclog.nbcnews.com/_news/2012/10/05/14203607-video-shows-scientist-in-congress-saying-evolution-is-from-pit-of-hell?lite
I paid $600 to seal the driveway at our multi, but they used the ‘good’ stuff which costs twice the price of the HD crap. Will last 5 years minimum, though rated for ten. Will deduct the cost of course.
Just came back from another disappointing three hour house viewing trek. I’ve now expanded my search from South Paramus north to the NY State border including Pascack Valley to the East and and Fardale/Wyckoff to the west. Provide a link to every house you see from the high 500s to the low 700s and I’ll give you a list of things to justify why it’s a not a good buy at it’s current listed price. Why? Because I’ve already been inside them. The desirable houses are gone before they hit the market. The ones that you see on the Trulia and Zillow map are the ones nobody wants. You don’t believe me? Go see them for yourselves.
39 FE Did you go see the house on West in Mahwah? Just curious what you thought about it.
How about 67 Fardale? I didn’t see the inside of that one but the price looks pretty good considering the lot size.
36 Yeah, I’ve never paid more than 80-100 for sealing but my driveway isn’t that big.
Grim [8];
600k in Oregon? That makes me feel better about house prices in Jersey.
Lots of draconian zoning laws out there, esp suburban Portland. They drew hard municipality lines on the maps. Outside the lines, you can’t beg, borrow or steal services typically provided by local government (water, sewer, garbage, schools, police, fire, etc.). Predictably, anything inside the municipalities skyrocketed. Old entrenched interests got a windfall at the expense of the young and newcomers — F-ing Locust generation strikes again… “But its GREEN!” they said — like a watermelon.
Fast Eddie is Ramsey on your list?….one on Shadyside for 649.9 looks ok, needs paint and flooring, but it’s on an acre and has decent sf, normal 4br colonial…have you been in that one? Looks like they just got their taxes lowered as well…hmm
Moose, must be the same here. As for services, I have yet to see a cop within 3 miles, don’t know where the fire station is, and found that the landlord, who used to live in this house, had hardwired smoke detectors and extinguishers everywhere.
As for security, I’m not worried about home invasion out here. This isn’t Jersey and my neighbor has a backhoe on the front end loader. One head shot apiece, dig the slit trench behind the hill, and leave the perps car in the next county.
Fast Eddie [29];
Nobody gets a pony unless SOMEone pays for it. Try explaining that to the other side but that’s a different discussion. Me personally, if I can’t afford the pony, then I don’t buy it. It’s as simple as that.
Fixed that for you Eddie. Those in control of the other side know precisely who pays for it (any it won’t be them or any of their reliable voting blocks). Those voting for them don’t much care who.
Ann,
We tried to see the one on West in Fardale today but they shot us down. They’re painting the whole inside and said we have to wait. I made the comment that I hope the paint is the same color as my money. Ramsey wasn’t originally on the list but it may soon be an option as there’s nothing left of the current housing carcass. I didn’t see 67 Fardale but if it’s the one I’m thinking of, it’s already sold.
Moose,
Heard someone on the radio after the debate doing their best Howard Cosell impersonation, “Down goes Obama!” LOL!
My advice for anyone who wants a pony; f.ucking pony up.
Obama really did choke. Whew. The one thing I will say is that the USA is so polarized right now that most people know who they are voting for. I for one would like to see everything flow again though. We can’t continue with this tepid growth. But my issue is that if Romney gets in do thing get much worse before they get any better. Case in point, NJ under Christie.
Sold for 389K in 2000, currently asking 699K, should be at 625K and that doesn’t even take into account the doubling of property taxes on top of a crippled economy:
http://www.trulia.com/property/3091622194-45-Franklin-St-Mahwah-NJ-07430
Gary 39 Let me know when your search gets out my way at this rate will not be to long, anyway Mike can wait!
PS got beauty for you 329k under 10k taxes, you want a nice house at reasonable price forget BC. Come on up we can have a few, & no clot/meat/ Ernest no one will be playing a banjo!
Re: Whine generation
I see a generation of folks ideologically opposed to the ideas of the boomer generation. This doesn’t sit well with the boomers because they slaved their life away in a fraudulent system of debt based prosperity. They need someone to bail them out of their mistakes so they can retire in jerkwater USA.
Good for generation Y. You are formidable in numbers and instinctively distrust the status quo.
Read it. Read it again. Then let it sink in real good.
“There is no means of avoiding a final collapse of a boom brought about by credit expansion. The alternative is only whether the crisis should come sooner as a result of a voluntary abandonment of further credit expansion or later as a final and total catastrophe of the currency system involved.”
– Ludwig von Mises
39,
Eddie,
I assume you work in the city. Go look around Monmouth County. You will get some good buys in the 500 -750k range. The sea streak is a popular commuting tool. If not that then pick up the train in Matawan. You are going to have to sacrifice on your commute if you want a decent house to live in.
50,
Essex,
Things did not get better under Christie but they stabilized. Thats the best case scenario. Corzine was driving a bus full of kids off a cliff. That guy f_cked us so bad when he was done raping NJ he walked off with 1.4 billion from MF Global. I hate that guy more than you could possible imagine.
47 – deer over west is my gut at this point. no idea who is more willing to negotiate, so assume the $75k differential remains in place. deer is the end of a very private cul-de-sac, west is a corner on much busier fardale. yes deer could probably use two new baths upstairs, but there is plenty of room for that in the $75k (besides, the baths in west are nothing to write home about either). west already has the pool, but again, privacy. west does have better landscaping, etc, but deer has plenty of potential for opening up the back, deer does have the larger lot. kitchen in west is old, old, old, while the layout of the deer kitchen might be somewhat less than ideal, it’s still very recent, and they didn’t skimp (was easily 15k in viking appliances). the fact that west is having the house painted seems like lipstick on the pig, was it really that bad? No takers after 115 in Haughty Fardale, seems pretty stale to me. West does have more space at 2484, vs 2292 for deer, you’ve got to admit that deer did feel bigger than 2300. Even if you want to price out those 200sq at $75 for comp reasons, that only accounts for $15k. deer does have the sewer to deal with though, not a big deal since you won’t be digging, but that’ll be an outlay.
They are both close enough that similar comps would apply, but worth nothing that 5 deer (4br/3.1ba) sold for $777.5k at the end of june. 5 deer eclipses both at 2905sq. 5 deer looks like a very, very nice house, though the price should reflect that. 143 deer (4/2.1) sold for $742.5k in April, 164 deer (4/2.1 pottery barn) sold for $775k in July.
Doom is imminent. Prepare accordingly.
Oh yeah I forgot about Deer. That’s a good one too. Location is better than W. I think there is only a 57K difference though, not 75, if we are thinking of the same house? Kitchen at deer is better, bathrooms are equal. I wouldn’t worry about the painting going at W at all. They just had some random paint colors going on and a little bit of wallpaper. Nothing alarming, probably just want to make it look more move-in ready. W seems to me like it would go for less than Deer, based on the comps. There are comps in the 600s around W. For me, the pool would be a big plus for West, because that’s something I would like and it’s newer and nicely done.
Whew what a night another Irishman enters the world. I am going to have to buy a house if this keeps up!
Juice,
Congrats and best wishes.
Congrats!
No inventory… fighting over scraps. This is where you gotta fight fatigue. When you start telling yourself, “well maybe we can change this and maybe we can live with this and maybe that extra 10 minutes won’t be so bad, etc.” then you’re setting yourself up to make the same mistakes as the ones trying to unload their mistakes. The few houses that fit into the ever-increasing scope of our search are those desperate sellers looking for the escape hatch. And interestingly, the prices are lingering or getting reduced despite the slim pickens’ on top of dirt cheap rates. Show my the inventory and I’ll show you my checkbook.
juice: congrats….
Oct 15 cover of New Yorker……
http://www.examiner.com/slideshow/political-cartoons-2012-presidential-election
Juice, you should lay in a case of Bushmill’s for him now. ;)
As a Canadian watching this from the outside, I should like all those here who claim Romney lied to give particulars. Obama’s numerous and appalling failures are clear, but all I have read so far about Romney “lies” are generalities, insults and incredibly stupid things like the one from “Professora” who wrote that Romney lies when he says “Hello”. The American left appear to comment and argue as poorly as Obama debates. This is important to us up here in Canada because you are our largest trading partner, our nearest neighbour and closest ally, and for the last 4 years you have apparently been insane.
Posted 10/6/2012, 3:22:06pm by Fred_Z
Congrats to jb and family from the sunny fl keys
chi[66]
If there were a way to elect Mitt and bring back the Dem majority in Congress, I’d vote for this: it may work smoothly and in a centrist way like his MA governorship did. We saw the disaster that is the single-party Pres and Congress for a number of periods recently, and if it happens again next year it will be yet worse because of the collection of nuts dominating the current Rep caucus in Congress.
I get the NY Times free every Saturday and Sunday. Former owner was a lib, so I think they bought weekend edition for a lifetime. I don’t know why I get the paper, but I do. The NY Times is even more apoplectic than Chris Matthews over the debate. As a whole, that paper is in crazy left land. Every week, an article about gay stuff, like how to help your kid or dog come out of the closet. Every week, about 30% of the marriage announcements are gay. I think they may have a quota to meet. Strangely, none of the lesbian wedding photo girls are hot in the least. Mostly look like Janet Reno. The editorializing spreads way beyond the official editorials.
Someone on here mentioned EIFS a while back. Is this something to avoid?
Avoid EFIS unless you enjoy the idea of tearing off all of it, repairing the rot, and re-doing all of the exterior. It cost my SIL about 100K and 3 months of headaches in Atlanta.
EFIS is a faulty concept for siding, and the subject of class action lawsuits, I think. It traps moisture in the walls. Just look it up.
EIFS is the smoking wet/bath salts of housing. AVOID.
Then again, if having lung-searing black rot growing from the inside of your walls, EIFS is for you.
66. dear sir. Canada is for gheys. sincerely, Chifi
nom dedicated to the newest PA resident……
The End Is Nigh (Philadelphia Wedding Edition):
http://www.youtube.com/watch?v=HFbCujzCso4&feature=player_embedded#!
reason for this….
Word is one group of wedding party members had a pay bar and crashed the other wedding party’s open bar. When said wedding crashers got questioned by the wedding party family members paying for their open bar reception, they hurled insults and told them to go f__ themselves. I certainly don’t come from Philly, but them’s fighting words and actions to me. Stealing from my family’s wedding reception like that WHILE insulting my family? Don’t know ANYONE who would just sit and allow that to happen.
[74] chi,
I was in khilly today and heard it on newsradio. They did not give details though. One dead, three arrested.
Gary, Stop comparing home prices to 2000 and doubling of prop taxes. Its going to make you (more) insane. You need a house, right? Pick your price range and go after the best out of 20 homes that you see. Another words, pull the dang trigger.
Too many people from Philly love to fight. It’s in their culture. They openly look for trouble. Their sports fans are the most aggressive but I’ve been to concerts as well and I’m always amazed at the brawls that happen there.
Philly Sheraton wedding fight over liquor just a sign of the times as people are squeezed by inflation. Seems the person that passed away had a heart attack, my condolences, on the new tonight the bride was out on the street in despair.
Anecdotal sign of the times. My Fuji mountain bike was nipped from our garage over the weekend, most likely one of those food delivery guys from Oaxaca. You would think I would be smarter but I took it out the other day and did not lock it up when I got back since I did not have my keys, my bad. Seems insurance will be getting a claim. I could use a new Fuji Thrill all I need to do I guess is a police report and dig up the receipt. Hope whomever nipped it it will take care of it like I did, it could use a new set of tires…
[79] juice,
The times? I can tell you Philly was like that in good times. Hav my Gary Fisher stolen there and it was locked. Imho, Philly is one recession removed from Detroit.
Nom,
Oh the irony!! – From the Philly Wedding Fight
Two people were arrested for disorderly conduct and one man was arrested for assault on Philadelphia Police Sgt. Sean Dandridge. That suspect, later identified as Matthew Sofka, 26, of Westfield, N.J., was shocked by a Taser, according to police.
http://www.nbcphiladelphia.com/news/local/Wedding-Night-Fight-Leads-to-Arrests-173022551.html
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