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New Jersey Real Estate
Century 21 Gross & Jansen Realtors -Cynthia Novak
473 Route 206, Newton, NJ 07860
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| | NJ Real Estate Services - Helping People Find Their Way "Home"
Dedicated to providing a superior level of informed, professional Real Estate services to buyers and sellers in the greater Sussex County area. Also Servicing parts of Morris, Warren, Passaic & Union Counties. | |
| CYNTHIA NOVAK ®
Century 21 Gross & Jansen Realtors
Andover Office
473 Route 206
Newton, NJ 07860
(973) 579-5554 Office
(973 670-3021 Cell
Email: novakcindy123@yahoo.com
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| I hope you will enjoy browsing my website - Don't forget to check out the links on the left including the buyer & seller tips and try your luck for a chance to win $1000. Whether you are buying or selling or simply need more information, I am here to answer your questions. Don't hesitate to call me today for a quick response and superior professional service.
MY REAL ESTATE PHILOSOPHY
I see myself as a trusted advisor, not a smiley-faced salesperson. I won't tell you what you want to hear simply to get your business. However, even though I'm not shy about offering my opinion and advice (that's what you pay me for!), I truly respect that you are the boss! The final decision is always yours and I will never push my agenda on you.
Cynthia
NOVAK
THE FIRST-TIME HOME BUYER TAX CREDIT INFORMATION CAN NOW BE FOUND AT THE BOTTOM OF THIS PAGE
FOR HOME SELLERS
If you're planning to sell your home in the next few months, this FREE service is designed to help establish your home's current market value. Simply click Market Analysis and fill out the requested information. I will use comparable sold listings to help you calculate the fair market value of your home.
FOR HOME BUYERS
Automatically receive personalized MLS listings by e-mail. Early each morning I will search the local MLS and find the homes that match your criteria and notify you immediately with the latest listing information!! Simply click Dream Home Finder and fill in the requested information. Or, search for yourself by clicking on the MLS SEARCH FOR HOMES link on the left.
I’d like to help you find the perfect home. Remember, I can show you ANY HOME that’s for sale in your area whether or not it’s listed by me or my office. And I know you’ll appreciate having an experienced Realtor® by your side. I’d appreciate the opportunity of helping you find your new home.
SPECIALIZATION
I specialize in representing my clients in the purchases and sales of single-family residences and income properties in Sussex County and parts of Warren, Union, Passais & Morris Counties. A "Neighborhood Specialist" I am familiar with the local communities, home values, and price trends. I'm pleased to use my professional skills to advice and guide you through the entire real estate process.
Did you know that the State of NJ requires a fire safety inspection prior to any change of ownership? I'd be happy to email you an information sheet outlining the requirements today.
Home Buyers: HOW TO GET THE TAX CREDIT
First-Time Homebuyer Credit Extended to April 30, 2010; Some Current Homeowners Now Also Qualify
IR-2009-108, Nov. 24, 2009
WASHINGTON — A new law that went into effect Nov. 6 extends the first-time homebuyer credit five months and expands the eligibility requirements for purchasers.
The Worker, Homeownership, and Business Assistance Act of 2009 extends the deadline for qualifying home purchases from Nov. 30, 2009, to April 30, 2010. Additionally, if a buyer enters into a binding contract by April 30, 2010, the buyer has until June 30, 2010, to settle on the purchase.
The maximum credit amount remains at $8,000 for a first-time homebuyer –– that is, a buyer who has not owned a primary residence during the three years up to the date of purchase.
But the new law also provides a “long-time resident” credit of up to $6,500 to others who do not qualify as “first-time homebuyers.” To qualify this way, a buyer must have owned and used the same home as a principal or primary residence for at least five consecutive years of the eight-year period ending on the date of purchase of a new home as a primary residence.
For all qualifying purchases in 2010, taxpayers have the option of claiming the credit on either their 2009 or 2010 tax returns.
A new version of Form 5405, First-Time Homebuyer Credit, will be available in the next few weeks. A taxpayer who purchases a home after Nov. 6 must use this new version of the form to claim the credit. Likewise, taxpayers claiming the credit on their 2009 returns, no matter when the house was purchased, must also use the new version of Form 5405. Taxpayers who claim the credit on their 2009 tax return will not be able to file electronically but instead will need to file a paper return.
A taxpayer who purchased a home on or before Nov. 6 and chooses to claim the credit on an original or amended 2008 return may continue to use the current version of Form 5405.
Income Limits Rise
The new law raises the income limits for people who purchase homes after Nov. 6. The full credit will be available to taxpayers with modified adjusted gross incomes (MAGI) up to $125,000, or $225,000 for joint filers. Those with MAGI between $125,000 and $145,000, or $225,000 and $245,000 for joint filers, are eligible for a reduced credit. Those with higher incomes do not qualify.
For homes purchased prior to Nov. 7, 2009, existing MAGI limits remain in place. The full credit is available to taxpayers with MAGI up to $75,000, or $150,000 for joint filers. Those with MAGI between $75,000 and $95,000, or $150,000 and $170,000 for joint filers, are eligible for a reduced credit. Those with higher incomes do not qualify.
New Requirements
Several new restrictions on purchases that occur after Nov. 6 go into effect with the new law:
Dependents are not eligible to claim the credit.
No credit is available if the purchase price of a home is more than $800,000.
A purchaser must be at least 18 years of age on the date of purchase.
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