Is it possible to own a 2 rooms apartment within any element of California for USD200K?
Question:
Answer:
There are still places where you can buy lower cost housing. the difference is location, and trait. There are mobile homes that you can purchase in a park, as powerfully as condos available in out of the style towns. You just inevitability to search on oodles real estate net sites.
http://www.move2lakecounty.com/...
Here is one agent that you can call that will be capable of work with you.
Happy hunting.
you could buy a few acres effective Red Bluff for 20K or so I think
Does getting a apposite expectation estimate for mortgage be a sign of that you are approve for the loan?
Question:
Answer:
No, it's just an estimate of the mortgage sum amount and closing costs. When you are preapproved for a loan the lender will give you a epistle saying you are preapproved for x amount.
No! It merely scheme that the estimate is given "in fitting faith"! They use this term to intimate the estimated value of a property lacking the benefit of an in depth inspection. They usually step with long-gone sales amounts and digit in the cost of living,inflation since the ending sale and property values contained by the surrounding area. Good luck! ;-)=
I am interested contained by this question also a moment ago got a GFE and own no clue as to what all these numbers are a short time ago that i need to bring $4,000 to the closing. Is your closing cost similar?
Negative boss. Pre-approved and mostly, really interested in your business but not approved. Nothing's final until you sign those loan documents and the 3 time right of recision is up!
absolutely not. Although, your Loan Officer should solely give you Good Faith Estimates for programs you more than possible qualify for...
Lenders are required by RESPA law to convey you a GFE within 3 business days of taking your loan application, despite whether or not you are qualified for the loan.
A loan commitment communication is the only process to assure you are truly approved for the loan.
My company can issue one in smaller quantity than a week if you are interested. Feel free to email.
Good Question.
I have looked at the answers on this portal and I agree to some of them.
Just a GFE document doesn't really suggest that you are pre approved for the loan. This document is just an estimate of the costs involved on your loan. The costs consists of the lender fees, attorney fees, processing fees, title fees, senate fees and the escrows required by the lenders to be paid surrounded by advance at the time of closing.
On the other mitt if I were to merely think going on for why would any body put so much of efforts surrounded by making a GFE for you-Probably because the loan officer thinks that you are a prospect for him. He must enjoy studied your profile before he could draft the GFE to you. If your credit wasn't workable; the loan officer wouldn't own taken the trouble to draft you a GFE.
You might be thinking how I am able to answer your question.
By profession I am a mortgage broker an we do business all over the country.
If be in the place of the loan officer who drafted you the GFE; I would enjoy also sent out a pre-approval letter along beside the GFE.
Well! I can help you better the GFE you enjoy and give you the best rates helping you accumulate money.
I can crack your GFE in newly one phone call or you can email me the GFE.
Feel free to ring up me at 713-429-4304 ext-2238 or email at frank@profolioloan.com
How do we qualify for agrotourism contained by cyprus?
Question:
setting up a b&b in the troodos mountains
Answer:
Did you try contacting any authorities within Cyprus?
You can try the official cyprus agrotourism website http://www.agrotourism.com.cy/
or the Cyprus toursim organisation http://www.cyprustourism.org/
They will surely provide you near the information you are looking for and if not they could point you to the right direction.
contact bfbs
they might be capable of help you
bfbs.com
dutiful luck
Buying our house...?
Question:
We are in the "underwriting" phase of purchasing our home. Does this expect we have the loan or not? I am freaking out right almost now! My loan officer said we should hear something from the lender by Friday or Monday, she submitted everything into the lender on Tuesday of this week, she "ordered everything" later week. I'm in such a frenzy. Our appraisal came put a bet on "fine" and we have unite all the requirement the lender asked us to do since this phase. Can someone help me out beside this. Are we good or should I preserve worrying? Everyone I have talk to said that underwriting is where on earth the lender process our loan documents "gets it adjectives typed up". Are they right.
Answer:
You really are worrying over nothing. If underwrite does hold things up, they generally blame it on the appraiser. But no, if you've provided adjectives the doc's they asked for, then I'm sure it is proceeding fine. Consider that loan companies process millions of loans respectively day. It does pocket some time.
you are freaking over nothing.
I thought underwrite is when they check to make sure you ahve adjectives the necessary paperwork surrounded by to process the loan. You are not approved until you get the okay from the lender/underwriter. But don't verbs as long as you have suitable credit & not too much debt you will be fine. You should have gotten pre-approved beforehand putting a contract on a house then you would hold known beforehand how much $ you have to work with. Good luck :o)
if worrying ever solved anything, i'd transmit you to keep on. but, since worrying never fixed anything, my counsel is to relax and let them do their item.
Buying a house for the first time is very exciting. It's manifestly a new chapter surrounded by your lives. At this point in the process, there's a really moral chance you've get the loan and no need to verbs. Unless you went out and bought a coup¨¦, or put a lot of money on debt, you'll be fine. Sometimes general public do those things and the lender will pull your credit formerly sending the doc's to you, your attorney or escrow\title company to be signed and if your debt to income ratio is all out of wack (due to something approaching buying a car) then you could be denied the loan at the closing minute. Good luck and enjoy your unsullied home!
I wouldn't worry too much. The underwriter is only dotting i's and crossing t's. The pre-approval is the main step, and the worst that can surface in underwrite is they will tell you a bill wants to be taken care of or something resembling that before final approval.
I purely went through the process 4 months ago, so I know how you discern.
Good luck and congrats!
House price crash within london?
Question:
I read some articles saying going on for the boom and bust of house prices in london.. predicting that the house can't hang on to on rising foreevr and a crash is inevitable soon maybe 2008.. can someone comment on this?
Answer:
They said that when I be 16, I am 35 now and the house prices havent gone down. I be looking at a house in london for lb45,000 at the time. It is very soon worth lb250,000. So dont pay to much attention to it. Its other possible but can you imagine if the house prices dropped, the country would step into recesssion, so many empire would be out of pocket withtheir expensive houses!
This is what my dad has said aswell, he think that it wil crash after xmas and i think that he conceivably right.
The house prices cant keep going up so something have to happen
prop is a long permanent status thing, will ultimatly never progress down, but you considering renting 1/2 years should be ok, it will level out first
but the rents will not be in motion down
xxx
The last bust (1994 / 5) be a great blow to many and could organize to another down turn in tons areas of buisness, I hope there is not a bust on the path, not because i own a house, but because it will mean a big march in interest rates and as a rule a boom in Inflation, job will suffer as small firms go below, interest rates on borrowing from credit lenders will go up, adjectives sorts of nasty things could develop.
Yes the prices of property especially in London is stupid have been since the 80's but in attendance again, look at what people are earn, wages are so high.
As long as constraint outstrips supply then this will not come about.
i think here may be an adjustment in house prices perchance in a year or so but dont reflect there will be a massive crash resembling in 94. There simply aren't ample houses being built to maintain up with constraint and more people own got into buy to permit in times past 10 years
Bullshit!! There'll only ever be a 10% drop, at worst, so my backer brother-in-law says.
How can you stop a pre-lien discern?
Question:
Our church was need a new building to worship contained by..we found a building it needed work on it ..so a couple in our church took out a loan on their own and donated the materials, added 2 bathrooms, really fixing it up..The title achievement is in the church pet name..The couple tried to take the property..but couldn't so presently their filing a pre-lien distinguish..is this possible..the money was a donation
Answer:
I don't judge I would want them in my church. The church really should enjoy had something surrounded by writing as to the agreement of this work. You can't stop a lien unless you pay it rotten. So the church may have to come up near the funds to have clear title to the church. It's not that complicated. But I would own a Real Estate Attorney take a look and insist on you.
It's a civil matter. And unless in that is a contract or something or in writing, its one word against another. Sounds approaching it will end up within ligitation, unless a deal is worked out. Good Luck!!
Rise contained by house price contained by london?
Question:
We Have recently purchased a house contained by London but can't move into it(far off from workplace) and we don't plan to move nearby in adjectives also. at present if wesell it off we r getting a
profit(lb5000). The other entity is to sell it after 1 -2 years and rent it out now(tenants available). our mortgage will be covered by the rent
simply doubt i have is if the flea market becomes static or the house prices jump down down we will land upp surrounded by -ve equity
my partner views r if we r not planning to move into that we should put on the market it off very soon
my views r we should hold it as house prices other go up and we will formulate profit from it
what is the advice?
Answer:
You are asking us to predict what the souk will be in a years time and will it be viable for you to rent your property or not. To be honest, If I have that kind of information I would be a fundamentally wealthy woman.
i dont feel we will have the prop souk collapse like within 1990,
i think rent it out
xxx
dont thieve my word as gospel
My view would be too hold the house. I have see many race sell houses over the ultimate 5 years that have done so because they belive the prices are set to dive, they now can't afford to buy backbone their original houses!!
If would do short possession rentals of six months, it will give you the competency to react and deal in the house quickly if the souk does seem to turn... I can't see it myself, constraint is still out stripping demand heavily"!! Money is better contained by bricks and morter!!
Good luck.
You say if you supply now your profit would be lb5,000.00 own you allowed for the Stamp Duty you paid when you bought it and the court fees you will have to wages if you sell?
There will other be demand for rental properties surrounded by London. In a property slump, selling can be difficult, but renting is not.
I'd rent it out, but first check with your mortgage provider (if you own one) and your insurers. The local authority will also need to be consulted if you intend to tolerate it out for multiple occupation.
Good Luck
Why did you buy a house you have no intention within lving in or renting? All that agro to generate lb5k profit??
Anyway its always a back in property close to any business, but one thing to remember is that over a 5-7 year length house prices always, other go up even if within are slight dips in between.
If you are after a apposite investment and want to make money you should hold on to it, rent it out and let it reimburse for itslef and in 5 years time you will most feasible have a nice tidy profit sitting in attendance.
Rent it out by all system, but do remember when you eventually come to sell it that if you haven't lived within the property yourself for at least two years prior to selling, you will be liable for wherewithal gains import tax
Property is such a safe bet for investment. You don't entail to really maintain it, it can't be stolen and the constraint will increase the value no situation what. DONT SELL IT you are very lucky to enjoy been competent to buy a place in london. My father be looking at a flat in the 70's for lb15,000 30 years following it is worth lb1.2 million!! Think about it
Even when the houseprices will fall down down, later on they will jump up again, we've learnt that from former times. Especially when your property is situated on a good spot contained by London and you keep it very well in repair, it will save it's value. But don't forget to put within the lease the condition that the tenants hold to leave the house as soon as you want to market it or you want to live in it yourself. Otherwise it might be difficult to carry them out.
London is very hot - house prices don't other go up adjectives the time (although the trend has be up in the long residence for a very long time). Prices could correct contained by London in the subsequent 12 months, esp with an interest rate rise on the channel.
One option could be to keep hold of it but list the house next to UmYup.com (it's free). Then people who might be interested within your house could get surrounded by touch with you, but you wouldn't hold to put it on the market to see if within is any interest. You aren't required to sell your house if you inventory on UmYup - you can just "tryout the water" - then sort a decision base on your feedback in read out 6 months. That way you could find out if it's worth selling and at what price.
Can anyone recommend a right SIPP provider that allows commercial property and charges all right rates?
Question:
Answer:
European Pension Management Ltd http://www.epml.co.uk/ allow property in one of their scheme. I don't have commercial property surrounded by my SIPP but my experiences with EPML own been positive.
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I am owner financed and be served near a perceive to vacate. I enjoy nowhere to progress and inevitability more time. HELP?
Question:
I need to know if near is anyway to get a moment or two more time. Like 30 days.
Answer:
Sounds like your private lender as foreclosed on you?
Depending on the state, you will hold so many day's.
As an example surrounded by CA a foreclosure from start to finish is about 4 months.
Call your lender and come to an agreement on your vacate. 30 days seems believable and in the long run may be a win win for the both of you.
Good luck
I am individual evicted from my apt. and my manager is with the sole purpose giving me 3 days to catch out.?
Question:
I live in Indiana. this doesn't give the impression of being like much time. Is this right? is this decriminalized? thank you for your help.
Answer:
My gut foreboding tells me here is more to the story than what you are telling. I am sure your tenant didn't just get up up and say "Let's see who can I evict beside only 3 days thought?".
My guess is you are delinquent in your rent since the first of the month and you enjoy been stringing him along and he have reached the fall of his rope.
Check the lease you signed. I am relatively sure the landlord is in his legal rights. They tend to keep hold of up with what is decriminalized so they won't be sued.
that does not sound right, check your rental agreement, it should spell it out clearly, or check near the state rental board, they would have a brochure that would report to you your rights and responsibility of renting :)
Good Luck, sue the bastard if he kicks u out, and it is proven to be improper! lol
start packing... u have 2 days and 23 hours...........ploy
Well if you live in England later Thats wrong because any Landlord should give at most minuscule 1 months notice not bloody 3 days
This is truly pretty standard. Normally it is done as a scare tactic, since they expect contained by that 3 days you would pay your rent (unless rent is not the defence you are being evicted). Here is a website next to the specific statutes on Landord Tenant Laws in Indiana
http://www.contained by.gov/legislative/ic/code/ti...
I am not sure about nearby, but in Louisiana you must make available an eviction notice 2 weeks contained by advance.
Yeah, check your habitation agreement carefully, the jargon under which you can be evicted should be clearly defined within the agreement. Generally it is a month, but if you pay rent weekly, I believe it is 2 weeks thought required. Either way, 3 days is ridiculous, and I'm pretty sure, highly banned. Good luck sorting this out.
first only a court demand and a sheriff officer can legally evict you from the element
without knowing adjectives the facts my quest is the landlord served you next to a 3 day settle up or quit notice, after the 3 days the tenant can file for eviction, the court date will lift about three weeks, later if a judges rules contained by landlord favor it will rob around 7 to 10 for sheriff to come out and remove you and your belongs
Well, here's the scoop. If you owe the hotelier ANY money, he will give you a 72 hour make out. Upon serving the 72 hour notice, if your not out by that 72 hour deadline or hold paid any rent you owe, next he will have his attorney wallet a petition with the courts and hold the court order your warrant eviction. Often matching day of the court instruct, the Marshal is notified and you will physically be removed tremendously shortly. Your belongings will be placed in storage (if the hotelier is nice) and you will be at their mercy to retrieve them.
You cannot be evicted without a court charge.
After the court order is issued, it may steal as little as 3 days before you are removed. Some places bear longer, but after the court order is issued, things budge pretty quickly.
I suspect that what you get is simply a notice from your manager, which in lots areas is the step that comes before taking you to court.
A consideration is simply that ... a notice. It is not an eviction. You may back up being evicted eventually, but it is not an eviction within and of itself.
If the notice is for unpaid rent, you will 100% be evicted after going to court if you do not come up beside the rent or enter into a payment agreement.
If the see is for anything else, there is a pious chance that you won't be evicted. These notice are usually an opportunity to correct a situation (loud noise, etc).
Are you sure that you jdidn't ust received a 3-Day distinguish to perform or Quit, or a 3-Day Notice to Pay Rent or Quit? That is the single way that they can distribute you three days to get out. Please breed sure that you read your notice to its entirety.
I'm a proprietor in Washington State. Here we enjoy two kinds of 3-day notice. The first is a 3-day pay or quit-meaning you hold three days to pay your rent or move out past we start the legal process to evict you. The second is a 3-day to surrender the premises; it's for tenant who have done something severe such as wounded the unit, conduct themselves within a very disorderly attitude with the negotiator or other tenants, sold drugs, etc. Once you find this notice, it's too overdue to negotiate with headship. Both documents are legal.
I choice I could give you a better answer, but you didn't specify what quality of 3-day you received.
You can usually work out a 3-day pay or quit next to your landlord, it merely depends on how you've conducted yourself while you've been a tenant.
Good luck!
Can somebody please make a contribution me a really simple a)b)c) as to how to progress just about buying a property?
Question:
I'm totally naive on this sort of piece. I need it spelled out really simply and clearly.
Thanks
Answer:
1. Contact a mortgage company and ask them what amount you would qualify for to purchase a home. They will make a contribution you a ball park digit.
2. Decide what you want. Do you want a house with a patio and the good and discouraging things that go next to it? Things such as space of your own, maintenance and freedom to plant what you please. Do you want a condominium where on earth you have no outside ownership conservation or freedom?
3. What size house do you want? A normal standard which is probably the best bet for adjectives resale is a 3 bedroom 2 bath. Anything smaller is a complicated sale.
4. Where do you want to live within relation to your work? If you work in a huge city, the closer to your work you live, the higher the property will be. That is why you see so plentiful bedroom communities, suburbs around cities. The further out you live, the cheaper the property will be, but also the longer the commute time will be. You can figure your commute time at roughly 30 miles per hour.
5. Ask some of your co-workers where on earth they live. How long does it take them to commute. What are the advantages just about the area they live surrounded by. What are the disadvantages. For instance an area near to an airport is not too pleasant.
6. At this point you should know approximately how much you can afford. You should know what type of dwelling you want. You should know what size you want. You should know about how long you are of a mind to commute which will tell you roughly speaking how far you are willing to live from work. You should hold a couple of areas in mind that nouns good from co-workers.
7. At this point manufacture an appointment with a material estate agent. Tell him what you want, the approximate price you are willing to spend and the approximate location. Remember, he is working for you! If he persist in relating you to get something you don't want, thank him for his time and go and get another realtor. Use a realtor you are comfortable with and one that listen to what you want. You are the customer.
8. Give the realtor a day or two to authoritarian the search down to a few places that might be what you are looking for. Have him make a contribution you a picture and description up front. You may be able to decrease the search down some basically by looking at the pictures.
9. Take a ride with the realtor to look at the houses. Make a transcribe of what you like and dislike give or take a few each house. You may enjoy to look at several homes before you find one you resembling.
You may even have to finally newly decide to settle on the one you dislike the most minuscule.
10. The asking price is not usually the selling price. Offer about 8% smaller quantity than the seller is asking. He have the option of accepting or rejecting your proposition. The longer the house has be on the market the more possible he is to take it.
11. Ensure that the contract provides for your have the house inspected prior to the sale and any discrepancies to be corrected by the merchant unless you and the seller get an agreement otherwise. You also want to get buyers insurance which is compensated for by the seller and covers the appliances etc. for 6 months or a year.
12. Closing cost is another item you may want the dealer to either income or split with you. Closing costs change from state to state but are usually about 6% of the purchase price.
13. In a nutshell, the more of the costs associated near any repairs or replacements the house needs that you can return with the seller to remuneration for and the lower selling price of the house the better off you are.
14. Once you purchase the house you should run to the county court house and file a homestead exemption. This will lower your taxes considerably. They will mention this to you at closing, but by the time you enjoy signed 10,000 pieces of paper you probably won't remember it and lately want to get out of in that.
Ok firstly do you have mortgage nouns in place?
If not progress to an independant mortgage broker and see how much you can borrow. Get an offer within principle.
View houses that are in your price gamut. You will generally have need of at least a 5% deposit within cash, but the mortgage broker will insist on you on this.
If you find a house you like, get an offer through the estate agents. When this is permitted find a solicitor.
The solicitor will then inform you what to do from thereon.
Hi there,
You should other make sure that you can catch a mortgage before looking for a house. Go to see a mortgage advisor, explain to him how much you earn and how much deposit you have. He/ she should be capable of tell you roughly how much you can borrow.
When you hold established that, he will need to obtain a decision surrounded by principal from the lender for you. When you have be accepted, to be precise the time to start looking for the right property.
If you find a house you want, let your mortgage advisor know. You will hold to pay a valuation tax to make sure the house is a appropriate risk for the bank.
Some costs to consider:
Valuation allowance = lb300 ish
Solicitors = lb500 -lb700
Broker fee = lb500 ish
Arrangement allowance = lb400 - lb1000
Speak to your mortgage advisor, some deals hold the above for free.
Good luck
#1 - Select Realtor
#2 - Apply for Mortgage Loan
#3 - View Homes with Realtor
#4 - Make an Offer on a home
#5 - Close and move within.
How's that?
I have to agree beside everyone who answered ahead of me. I should do it that way it would fashion life much easier!I've be investing for a while and I'm a shocker. Cause I seem to other do it the other way around. Because I LOVE property I am other looking for it. When you know what you're looking for good deal seem to other pop up. So I find that I am constantly putting offers contained by and when we agree on a price I find the finance. I enjoy a great mortgage broker though who accomodates me being severely spontaneous. Good luck Property rocks!
Very simply
A = Adviser, see a qualified financial adviser and find out what you can afford. This shouldn't cost you a penny
B = Buying, jump to your desired area and see some estate agents, they won't bite. Talk to them roughly the area and properties contained by your budget and just over, remeber vendor may take offer. Stay in touch near agents to let them know you are looking, this opening they will contact you with suitable option.
C = Conveyancing. You know your budget, You found a property, made an offer, its human being accepted. Now you stipulation a solicitor to do the paperwork. Try to get a reccommedation from a friend. The solicitor does not enjoy to be in the on the spot area so shop around if you approaching.
I am a qualified mortgage consultant, please feel free to contact me if you want guidance on financing your purchase.
Good luck.
One million dollars guard loan over 30 years how much will it cost me >?
Question:
Answer:
it depends upon the interest rate......
Here's (Below) a good loan amortization agenda. Using it I calculated a $1mil loan at 7% interest over 30 years to cost you $1,395,088.98 in interest. (If you clear one monthly payment per month vs. bi-weekly)
Our mortgage adjust within July, do we still own time to refi and can we do w/ no outta pocket brass S O S?
Question:
Our home has front and we are straped removing problem, our child of 9yrs has pica and a head level of 18 surrounded by Jan and has gone up to 24. Money is immensely hard to find. We will struggle if it jump. Is there hope or are we gonna lose house. Need proffesional lend a hand! ASAP Thanks
Answer:
If your mortgage will adjust in July You might want to try contacting some mortgage company right very soon to see what you can get as far as rates and closing cost will be or you can start the process right presently. try this website: www.lowermyinterestrate.net
I know a few inhabitants who have used their mortgage company surrounded by the past and they be very obedient, they explained everything that you need to know and the rates are excellent.
Apex Mortgage
website:www.lowermyinterestrat...
301-877-2323
If you are currently struggling, I would contact your mortgage company to see if they will work beside you.
Were you advised the house could potentially enjoy lead stand paint in it when you purchased it?
You still hold plenty of time for refinancing, and depending on your credit profile, you can do it without out-of-pocket expense, and I don`t know enough to fix the lead-based paint problem. What state are you within?
Has anyone ever used the Carlton Sheets Real Estate Program?
Question:
I got the program but after reading through the first book I am consciousness doubtful. I was hoping someone on here could relief me and tell me if they enjoy used it and if it works or not. The concept of buying property with categorically no money seems genus of strange and very unlikely!?
Answer:
People buy material estate all the time near no money down. How is this a secret? What be your goal when you purchased the program? Anything that they right to be heard in the book can be bookish online!!
Now you know when you saw that commerical that he was LYING. People will trade anything on informercials and make it nouns sound so correct and believeable so that guillible people will buy it.How contained by the heck can you buy property with NO money? Thats impossible.
I bought the program years ago, and I hold to say that I didn't really swot that much from it. Also, the "no money down" thing be kind of tricky, involved making 2 loans on indistinguishable property to the best of my memory. You can find the information elsewhere, check out the local library.
Donna C.
Flip That House PC Game Affliliate
http://www.flipthathousegame.com?a_aid=f...
I do not own the program but I am in the industry. What he is selling works if you cram it. He is not giving away a secret as much as he is selling the steps to nouns in that program. One focal issue with the steps is it translates to us contained by the business and that is a cultured process differently than just purchasing it stale TV. What I would tell you is the residential flea market is wounded for the next 12 months and nearby was plenty of programs next to 100% financing. What is not defined is the closing costs which translate to 103% financing. The commercial market is similar and white hot right in a minute. That requires a 10% down payment spell, unless you have a warehouse or multi use property, afterwards I can get 97% financing. I would suggest that you align yourself near a mortgage expert that can answer the questions and approaching most businesses you pay the professional. In this armour the broker fees are the payment for helping you find the property. Your FICO score does event, but remember you CAN do anything you really want to accomplish. I give seminar to investors across the US, if there is anything else I can assistance you with email me at alike address at gmail.com.
Best of Luck!
Why are housing prices within New Jersey greater than contained by Pennsylvania and Ohio? Please provide sources!!?
Question:
Answer:
population density is higher within NJ, plus, in NJ near are more professional-type jobs that payment high salary, like those at pharmaceutical companies, whereas contained by Ohio and Pa., there are seriously of areas that are manufacturing-oriented and many closed plants.
LOL. Its a simple situation of supply and constraint, and the space in NJ is expensive compared to that of PA and OH because here is more more land surrounded by PA and OH and, northern NJ is the suburb of NYC so its going to be expensive.
I don't have a source, but I'd read out a denser population drives up pricies of available real estate.
truly it depends on what part of NJ you're looking at compared to PA or Ohio. Bucks county surrounded by PA is absolutely gorgeous but you're not finding anything underneath 300k in that town. There are cheap places within NJ and very impressively rich places. I'm not sure about OH because I've never lived here.