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Testimonials & Stories

See what our clients have to say about our services.

Client Reviews & Feedback

Welcome to our testimonials page, where you can explore firsthand accounts of how Chan Law has empowered individuals and families to achieve their dreams of homeownership. Read on to see how our dedicated legal services have made a difference in their journeys.

David J.

IT SPECIALIST

Kyle speaks very professionally and very clearly laid out all of my options which helped me make the best decision for me and my family. Highly recommended.

Brandon & Melissa C.

HOME BUYERS

Kyle helped us navigate quite a few difficult situations through this process with great knowledge and insight. He was able to work with our inquisitive nature and helped us not be lost. He was a great asset to our team.

Damon L.

HOME BUYER

Kyle made himself accessible and told us if we have any other closing related issues pertaining to any documents to give him a call.

 

Thank you once again on doing a great job. I would highly recommend Kyle and his team!

May S.

MINISTRY WORKER

Thank you, Kyle, for being such a kind helpful person to us. We're really, greatly thankful - Keep being a blessing!

Annamarie C.

HOME BUYER

Once again I thank you for your professionalism, kindness, and basically looking out for me. Please accept this token of my appreciation. Cheers!

John & Stephanie C.

HOME BUYERS

Great work from Kyle all through the home buying process. He was communicative and available to me whenever I had any questions and he really does have his client's best interests in mind in his writing.

Kevin & Crystal

HOME BUYERS

Working with Kyle took out a lot of the stress in our first home buying experience. He talked us through the entire process and was always very responsive to any questions or concerns we had. Having someone we could trust handle all the legal details really made our whole process much smoother.

Cynthia L.

HOME BUYER

I would like to thank Kyle for handling my first time home buying experience with his law firm, Chan Law LLC. He was very polite and very professional. He even took the time to explain and answer questions and address all of our concerns as first time home buyers.

 

He responded on every email and text throughout our whole process. Even down to the wire, he remained steadfast and advocated for us. The closing went smoothly and on point with all of the documents that had to be signed.

Your dream home journey starts with trusted guidance—explore our reviews today!

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Let's Find Your Perfect Home

Let us make your first home buying experience as enjoyable and stress-free as possible. Contact us today to start your journey towards finding your dream home!

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FAQs You Need to Know

Buying your first home involves a lot of legal details.

 

This FAQ section covers the basics, answering common questions about important documents, closing costs, and what to do if issues arise.

 

We’re here to help you understand the legal side of the process and make your home-buying experience as smooth as possible.

  • What should I know before buying my first home in New Jersey?
    Before buying a home, it's crucial to understand the local real estate market, including average home prices and neighborhood specifics. An experienced real estate agent who is familiar with your target market can provide invaluable input that isn’t readily available online, such as upcoming property developments, municipality-specific trends, and having personal connections and referrals to local inspectors, contractors, and other vendors. Additionally, be aware that New Jersey's property taxes tend to be higher than in many other states, which becomes much more of a concern when purchasing new construction or recently renovated properties. Speak to an experienced mortgage broker to get a pre-approval and a better understanding of your purchasing power before making any offers.
  • What are the benefits of getting pre-approved for a mortgage?
    Getting pre-approved for a mortgage gives you a clear idea of how much you can borrow, which helps you narrow down your home search to properties within your budget. It also shows sellers that you are a serious buyer, which can strengthen your offer and increase your chances of securing the home you want.
  • What is attorney review?
    In New Jersey, a Buyer or Seller may choose to have an attorney review and disapprove of the standard form realtor real estate contract within three days after the signing before the contract becomes legally binding. This disapproval is functionally a “termination” of the contract and is fairly standard. In practice, it is common for both attorneys to disapprove of the contract and suggest beneficial changes for their respective clients for reinstatement of the contract.
  • How much should I put down as a down payment?
    In New Jersey, the standard down payment is typically 20% of the home’s purchase price with up to 10% paid after attorney review and the balance due at closing. However, many mortgage lenders and loan programs permit lower down payment options, such as 3% to 5%, at the cost of paying private mortgage insurance (PMI). PMI is a special type of insurance that protects the lender if a borrower stops making payments on your loan, after which the PMI issuer will often seek repayment from the borrower.
  • What is a home inspection, and why is it important?
    A home inspection involves a thorough evaluation of the property's condition by a licensed inspector. It is essential to identify potential issues such as structural problems, electrical or plumbing issues, and other defects that could affect the value or safety of the home. A home inspection can help you make an informed decision and negotiate repairs or adjustments with the seller. In addition to the general home inspection, Buyers may typically want to inspect for wood destroying insects, radon, mold, underground storage tanks, lead paint, and the sewer lines. If applicable, you may wish to inspect the chimneys and septic tank as well.
  • What is homeowners insurance, and do I need it?
    Homeowners insurance protects you financially in case of damage to your property, theft, or liability claims. Most mortgage lenders require buyers to have homeowners insurance as a condition of the loan.
  • What is title insurance, and do I need it?
    Title insurance protects you and your lender from financial loss due to defects in the property’s title, such as errors in public records, undisclosed liens, or even overlooked unconveyed interests from prior title holders. A title search is conducted by a title company prior to the issuance of the title policy to verify that the property’s title is clear of any liens, encumbrances, or disputes. Your lender will require a lender’s title insurance policy to protect their investment and it is standard practice to obtain an owner’s title insurance policy for your protection as well.
  • What are closing costs, and how much should I expect to pay?
    Closing costs are fees associated with finalizing the home purchase, which typically include lender fees (loan origination fees, points, and appraisal fees), title fees (title searches, settlement charges, and title insurance costs), recording fees, attorney fees, and pro-rations for property taxes, water, and sewer charges. In New Jersey, closing costs generally range from 2% to 5% of the purchase price of the home. At closing, you’ll pay for the closing costs in addition to the remaining balance of the down payment.
  • What should I expect during the closing process?
    Prior to the closing, you will perform a final walkthrough of the property to ensure that the Seller has fully moved out and that the property is in substantially the same condition at closing as during your inspection. You’ll need to bring two forms of photo ID for each person who is going to be on the deed and/or is on the loan, along with a certified check or wire confirmation for the closing costs and remaining balance of the down payment. During closing, you will review and sign the promissory note, the mortgage, and other lender required documents. Once all paperwork is completed, the lender will give their final approval of the documents, provide funding authorization, and you will receive the keys to your new home.
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