Buyer's Guide — How to Buy a Home in Bergen County NJ | Chris Kim
For Buyers
Buyer's Guide
Your step-by-step guide to buying a home in New Jersey.
The Buying Process
Get Pre-Approved
Before house hunting, get a mortgage pre-approval letter from a lender. This shows sellers you are a serious buyer and clarifies your budget.
Find the Right Agent
A buyer's agent represents your interests at no cost to you (seller pays commission). Chris Kim provides expert guidance on Bergen County neighborhoods, schools, and market conditions.
Search for Homes
Define your must-haves: location, school district, bedrooms, commute. We'll set up MLS alerts and tour properties that match your criteria.
Make an Offer
When you find the right home, we submit a competitive offer with appropriate contingencies — inspection, financing, and appraisal — to protect your interests.
Home Inspection
A licensed inspector examines the property for structural, mechanical, and safety issues. This is one of the most important steps — never skip it.
Attorney Review & Closing
NJ law requires a 3-day attorney review period. Your attorney reviews the contract, negotiates repairs, and guides you through closing day documents.
Get Your Keys!
After final walkthrough and signing all documents at closing, you receive the keys to your new home. Congratulations!
Buyer Closing Costs
Typical costs when purchasing a home in New Jersey.
Down Payment
Typically 3%–20% of purchase price
Home Inspection
$400 – $700 typical
Buyer's Attorney Fee
$1,500 – $2,500 typical
Title Insurance (Owner's Policy)
Varies by purchase price
Mortgage Origination Fees
Varies by lender
Appraisal Fee
$500 – $800 typical
Property Tax Adjustment
Pro-rated at closing
Homeowner's Insurance
Required before closing