2017complete3

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2017 

The Lakewood 

Home Buyer’s 

Guide 

Free! 

Please 

take one 

See center color 

section for a handy 

neighborhood guide 

Includes Jackson and Toms River! 

see page 11 10 >

AN AWARD 

WINNING 

TEAM. 

Our awards speak for themselves! 

Imperial Real Estate congratulates the 

agents on our team who have once 

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2017 

The Lakewood 

Home Buyer’s Guide 

בס”ד 

A Project of 

בורא עולם בקנין השלם זה הבנין 

The fourth edition of the Lakewood Home Buyer’s Guide is offers expanded 

coverage of numerous topics of interest. A brief discussion of trends in the 

Lakewood real estate market can be found in State of the City, page 44. 

As Lakewood’s frum population, KE”H bursting at the seams, expands into 

nearby towns, our center color section, Neighborhood Snapshot, provides 

a birds-eye view of both old and new options, as well as pros and cons of 

the various areas. Additional topics in the section Making Your House into 

a Home, page 79, help both new and seasoned homeowners make smart 

decorating and renovating choices. See the next page for a complete table 

of contents. 

The purpose of the Lakewood Home Buyer’s Guide is to de-mystify the homebuying 

process. Rather than replacing the professionals whose job it is to 

offer guidance, this book offers a basic introduction to relevant concepts and 

terms. Its purpose is to help buyers understand the questions they should be 

asking in order to build a more productive, mutually-beneficial partnership 

with the professionals serving them. As such, no information contained in 

this guide should be construed as legal or financial advice. For expert advice, 

always consult a qualified professional in the relevant field. 

Whether you are a first-time or repeat home buyer, we hope you will find a 

wealth of useful information in this guide. If you have suggestions, criticism, 

or corrections to share, please contact us at so we can continue to improve 

our service. 

Thank you, 

The Publishers 

info@lakewoodhomeguide.com | (732) 930-0089 

2017 Lakewood Home Buyer’s Guide | 1

4 Business listings 

44 state of the city 

2017 

The Lakewood 


contents 

45 are you ready to buy a home? 

47 Before you begin 

The paper trail / Get pre-approved / How much house can you afford? 

Additional closing and ownership costs / Consider co-borrowing 

How much will you put down? 

53 The Search is On 

Buying vs. building / Working with a real estate agent 

Choosing a real estate agent / Agent exclusivity / Start hunting 

What type are you? / What to look for / Development or private home? 

New construction vs. pre-existing homes / Negotiating a price / Creating a contract 

63 Attorney Review 

Choosing a lawyer / What services will your attorney provide? / Attorney Fees 

66 Under Contract 

Choosing your mortgage lender / Mortgage approval process / Loan products 

FHA Loans / Paying discount points / Co-signers / Home Buyer’s Resources 

Understanding Homeowner’s Insurance / Role of the title company 

Homeowner’s inspection / Final walkthrough / Ensuring a smooth closing 

75 Building your dream home 

Financing a construction project / Which professionals will I need? 

Preparing a budget / Top home improvement upgrades 

79 Making Your House into a Home 

Financing renovations / Choosing a contractor / Whom will I need? 

Realistic planning / Cost-plus vs. set price / Electrical intelligence 

Kitchen Remodeling / Windows / Lighting / Moving in 

Maintaining your home / Tiles 

2 | 2017 Lakewood Home Buyer’s Guide

2017 

The Lakewood 


business listings 

Air conditioning/HEATING 

see HVAC/Plumbing 

ALARMS/Intercoms/Low-VoLTAGE 5 

Appliances 5 

ARCHITECT/SPACE PLANNER 5 

architectural renderings 6 

asbestos see Inspections 

Awnings 6 

blinds see Window Treatments 

carpets see Flooring 

Carpet Cleaning 6 

cleaning 6 

Closets 6 

community SERVICES 8 

Construction/Home Improvements 

see also Handyman 8 

counters see Tiles/Stone 

decoRATor/interior designer 9 

ELECTRIC 9 

Fencing 12 

Flooring 12 

FURNITURE 13 

GLASS 13 

handyman see also Construction/ 

Home Improvements 15 

HARDWARE/PLUMBING supply 15 

HVAC/PLUMBING 15 

INSPECTIon 16 

INSULATIon 16 

Insurance 17 

intercoms see Alarms 

kashering 17 

KITCHENS 19 

LAWyers 21 

Lighting 28 

MATTRESSES 28 

Mezuzos 28 

mold 31 

MoRTGAGES 31 

mouldings 32 

movers 32 

PAINT 32 

PoWERWASH 32 

Radon see Inspection 

railings 35 

REALTors 35 

Roofing/Siding 40 

SPACE PLANNER 

stairs see Architect 40 

stucco see Roofing/Siding 

Tiles/granite 40 

Title 40 

Water DAMAGE see Inspection 

WATERPRoofing see Construction 

windows/doors 41 

Window TREATMENTS 41 


intercoms cameras burglar 

alarms 


Alarms/Intercoms/ 

Low-Voltage 

Multicomm 

877-796-8480 

see ad front color section 

Superior Communications 

and Security 

732-363-1189 

see ad page 4 

Wizard of Homes 

732-303-0023 


appliances 

Town Appliance 

732-364-5195 


Park Appliance 

732-367-3677 

architect/ 

space planner 

Arch Studios 

732-228-0790 

Custom Plan Design 

732-901-0504 

see ad 

Lawrence S. Schreiber, AIA 

732-886-5290 

Custom Homes / New Const. / Renov. 

Additions – Comm. /Resid. Lic. NJ, NY, PA 

Stretch Your Space, Chevy Price 

creative space planning, layout 

& plan review 

917 648 2407 / 732 364 5951 


architectural 

renderings 

Platinum Drawings 

732-908-0003 

awnings 

Platinum Custom Awnings 

Entire Frame Completely Retracts 

Designed & Engineered for Heavy Rain 

732-806-1296 

see ad 

Carpet Cleaning 

Turbo Clean 

732-905-2532 

Cleanomatic 

732-995-0995 

see ad page 8 

cleaning 

Moldcure 

732-364-9123 

Squeegee Clean 

732-534-4538 

see ad page 7 

Closets 

Closettec 

732-792-0088 


Closet Company, The 

732-806-7694 

Custom Closets 

732-267-3286 

Transform It 

917-757-2769 


platinum custom awnings 

covered. period. 

entire frame retracts for a completely unobstructed view 

12-year frame warranty 10-year fabric warranty 

designed to withstand heavy rain 

P. 732.806.1296 



Community Services 

Lakewood Resource 

& Referral Center 

Sign up for a training session & get 

special FTHB rates! 

732-942-9292 

construction/ 

Home improvements 

see also handyman, page 15 

AK Construction 

Ari Katzman 

848-525-1538 

Crown Paving 

732-595-2688 

EA Construction 

848-299-1098 

EL Home Improvement 

848-525-7292 

see ad page 9 

GNA Home Improvements 

732-552-9042 

Hoffman Builders 

732-684-6969 

Newport Builders 

732-552 9042 

Stay Dry Waterproofing 

877-333-2379 

Tell our advertisers you 

saw them in the Lakewood 

Home Buyer’s Guide! 


Decorator/ 

interior design 

Chanie Kamenetsky 

732-567-7777 

Interior Designer 

Specializing in both residential and 

commercial interior design. 

see ad back color section 

Dassy Schwartz 

908-783-9801 

interior design / space planning 

residential & commercial 

MB Interiors 

732.267.4842 

Design+Decor 

mbdesigndecor@gmail.com 

Electric 

All Trades Electric 

732-415-8010 

see ad page 10 

Berkowatts Electric 

732-814-8748 


County Line Electric 

732-961-6738 

Fortech Electric 

732-367-8324 

My Lit Address c/o Design a Sign 

732-267-4643 

Powerhouse Electric & Security 

732-901-5365 



Over 600,000 SF of 

new wiring in 2016 

commercial and residential electrical contractors 

Generator specials for new homeowners! 

License: #16649 | 732.814.8748 | www.berkowattselectric.com 


Thaler Electric 

732-730-7030 

Top Notch Electric 

732-534-6044 

fencing 

Nojo’s Fencing 

732-901-0152 


Reiss Brothers Fencing 

732-232-9605 

flooring 

dbd Imperial Flooring 

732-347-2218 

Direct Line Carpet 

732-370-3669 


Mastercraft Hardwood Flooring 

732-364-2840 

see ad 

Slip-Proofing by SuperGrip 

732-364-GRIP (4747) 

A one-time treatment on your tiles 

or tub creates a non-slip surface 

Supreme Flooring 

732-942-8021 


Victorian Wood Floor 

732-364-4700 


The Lakewood 


values your feedback! 

Whether there’s a topic you’d like to see covered; 

a question you’d like answered; information you’d like to share 

about your neighborhood; or your general comments about how 

we’re doing, we’d love to hear from you. 

732-930-0089 | info@lakewoodhomeguide.com 

Tell our advertisers you saw them 

in the Home Buyer’s Guide! 

furniture 

Armada Designs 

732-253-7748 

Artifacte Home 

732.806.7843 

Decorative Touch 

732-886-6669 

see ad 

Home Furnishings By Design 

732-534-9834 

Threshold Fine Furniture 

732-364-1091 


Glass 

Autumns Glass 

848-992-3172 


Clearcut Glass 

732-363-2818 

Want to see 

your business here? 

Contact the Lakewood 

Home Buyer’s Guide: 

(732) 930-0089 

info@lakewoodhomeguide.com 

www.lakewoodhomeguide.com 



Handyman 

David Rauer 

646-210-6570 

Just Fix It 

732-858-5349 


RE Home Improvement 

848-448-4480 

Want to see 




(732) 930-0089 



hardware/ 

plumbing supply 

Icon Hardware & Plumbing 

732-367-7515 


Hvac/plumbing 

Berezin Heating/AC/ 

Refrigeration 

732-600-1630 

Energy Analysis Group 

732.444.8321 


Minzer’s Plumbing & Heating 

732-995-1953 

see ad 

· Kitchen & bath remodel 

· Gas piping 

· Boilers 

· Water heaters 

...and all your plumbing needs! 


inspection 

Advantage Home & Property 

Inspections, LLC 

732-606-7040 

see ad 

Kushner Inspections 

848-525-9865 

see ad 

Teva Environmental 

908-747-4444 

insulation 

Air Seal 

732-473-1600 


Home & Commercial 

> New Construction 

> Pre-Owned 

> Walk-Throughs 

> I.R. Thermography 

> Fiber-Optic Photoscope 

> Flood Detection 

> Energy Audit 

* Limitations Apply 

25+ YEARS 

EXPERIENCE 

Member of 

N.J. Assoc. Licensed, Professional Home Inspectors 

DEP LICENSE #29485B 

N.J. HOME INSPECTOR LICENSE #24GI00065200 

Inspection, Quality Control 

& Material Science 


Energy Analysis Group 

732.444.8321 


Regency Spray Foam 

732-835-8580 

insurance 

ASB Insurance Brokerage, Inc. 

973-470-9004 

Farmers of Lakewood 

732-408-6260 

Insurance: Rental, Builders 

732-608-3216 


Klugman Insurance Services, LLC 

732-901-0034 

Prime Insurance 

732-886-5751 

Rifkin & Rosen 

732-987-7773 

Stonebrook Insurance 

732-905-4100 


kashering 

House Kashering 

732-239-6960 

see ad 

Moving? 

need house to be kashered? 

Many years experience 

Reasonably priced! 

Call Rabbi Friedlander 

732-239-6960 • housekashering@gmail.com 


Lowest Rental Dwelling 

insurance rates for 1 

& 2 units in the entire 

state of NJ! 

Builders Risk-Home 

Under construction 

Are you in the process 

of building a 1 or 2 unit 

home & looking for the 

lowest insurance rates? 

Call today for a free 

unbeatable quote 

732.608.3216 


kitchens 

Arozelli Kitchens 

732-942-8424 


Bnu Marble and Granite 

732-905-6600 

Specializing in kitchen, vanity & fireplace 

bnu.tops@verizon.net 

Classic Kitchens 

732-703-3436 

see ad 

Dream Kitchens 

732-367-7728 


Express Kitchen and Bath 

732-719-7358 


Leah Weingarden 

732-824-1457 

Quality Kitchen Installations 

732-901-4309 


732-367-9107 






EKB 

Experience the 

EXPRESS 

advantage 

All cabinets are solid wood 

Formica countertops 

Quick turnaround! 

High quality at affordable prices 

PHONE: 732.719.7358 EMAIL: michael@ekbnj.com 

1985 Rutgers University Blvd | Lakewood, NJ 


Pine Park 

Kitchens 

by Pine Park Kitchens 

100% 

Authentic 

Italian 

Kitchens 

E X C L U S 

I V E 

R E T A 

I L E R S 

O F 

QUALITY 

—————— 

WITH 

—————— 

PERSONALITY 


225 2nd Street Lakewood, NJ 08701 

732.367.9107 / joel@pineparkkitchens.com 

Traditional · Transitional · Modern 

KITCHENS · BATHS · WARDROBES 

lawyers 

Brenner Law 

732-276-1776 


David Klein, Esq. 

732-367-9500 


HECM senior purchase specialist 

Sam Lowy 

848-200-2880 

slowy@thefederalsavingsbank.com 

Gerald Klein, Law Office of 

732-994-5832 


Joseph Moskovits, Esq. 

732-730-7070 

Kuntslinger Steinmetz llp 

732-367-1880 


Samuel Becker PC, Law Office of 

732-534-4139 


Schwartz Burton LLP 

732-806-8181 


Weinstein Law Office, PC, 

Miriam B. Weinstein, Esq. 

732-370-3022 

miriamw@mbweinsteinlaw.com 





David E. 

Klein, 

Esq. 

real estate law 

dklein@sklawgroup.com | 732 367 9500 


Law ofice of 

GERALD J. J. KLEIN 

SPECIAL ATTENTION TENTION GIVEN TO 

FIRST TIME BUYERS 

LICENSED IN NEW YORK & NEW JERSEY 

First Time Home Buyers 

Investors 

Commercial Real Estate 

Residential Real Estate 

Contracts, Sales & Leasing 

“Professional service with with a personal a personal touch" touch" 

Gerald “Yanky” “Yanky” Klein Klein 

732. 994.5832 

954113 Morris Ricky Avenue Ln. 


gerald@geraldkleinlaw.com 

F: 732.399.9359 

www.geraldkleinlaw.com 


the law offices 

of 

Naftali Kunstlinger, Esq. 

F on R 

T 

special 

attention given 

to rst time 

home buyers 

Licensed to practice in New Jersey and New York 

T 

212 S S , S 304, NJ 08701 

P. 732-367-1880 | F. 732-907-1829 


LAW OFFICE OF 

YANKY BRENNER 

FOR ALL YOUR 

REAL ESTATE 

NEEDS: 

• residential closings 

• commercial closings 

• commercial leases 

• commercial loan closings 

• refinances 

T: 732-276-1776 

F: 732-526-8082 

yanky@ybrennerlaw.com 

15 America Avenue 

Suite 102 

Lakewood, New Jersey 08701 

Licensed to practice in New Jersey and New York. 




Lighting 

Acculite Controls 

732-490-8005 

Aladdin Lighting & Supply 

732-886-1840 

see ad 

Homeclick 

732-961-6700 

Light Bulbs 

732-703-0073 

Wholesale & Retail 

Lighting Direct 

732-552-7518 

The Lighthouse 

Aryeh Lazar 

732-415-8556 

info@lighthouselakewood.com 

mattresses 

Friedman’s Bedding 

732-886-3208 


Mattress Maven 

732-806-1750 


mezuzos 

Rabbi Gedalia Keller 

732-806-STAM 


Rabbi Yitzchok Weinberger 

484-620-6187 

Rabbi Yisroel Fried 

732-221-6451 

732-886-1840 

Sales@AladdinLighting.net 

1 White Dove Court 





mold 

Moldcure 

732-364-9123 

mortgages 

Ark Mortgages 

Moshe Plotnik 

732-740-1601 

mplotnik@arkmortgage.comweiss 

Ark Mortgages 

Dovid Friedman 

646-675-9117 

dfriedman@arkmortgage.com 

Luxury Mortgage Corporation 

Yehoshua Basch 

845-525-1634 

ybasch@luxurymortgage.com 

Funding Resources 

Y. Follman 

732-3647373 

Heimfeld, Shimon 

Funding Resources 

732-331-7173 

see ad 

JMAR Financial Group 

732-803-7077 


Leiman Mortgage Network 

732-987-6477 


Reverse/HECM Senior specialist 

Sam Lowy 

848-200-2880 


Teren, Rivky 

732-773-4892 


mouldings 

Unique Mouldings 

732-276-0630 

Ornate Architectural Mouldings 

866-464-5596 


movers 

MBD Movers 

732-367-6683 


Lakewood Movers 

732-904-4004 

paint 

GAGA Painters 

732-685-5896 


GN Paints 

732-987-4362 

see ad 

Interior Paint Consultant 

732-905-2643 

Spectrum Painting 

908-1233-4567 


powerwash 

Bluejet Powerwash 

732-358-9588 


Lakewood’s PREMIER 

Paint Shop 

• Knowledgeable and personal service 

• Working with all of Lakewood’s 

painters and designers. 

• Specials for new home buyers 

• Only 3.5% sales tax 

• Patented super-washable paint available 

To place your order, or for any paint 

or color information please call 

732.987.4362 

NEW LOCATION! 

SHOWROOM: 199 Ocean Ave (Rt 88 corner Park Ave) 

Eli Neuhaus & co. 

32 | 2017 Lakewood Home Buyer’s Guide 

Maz 

Tov on y 

purchase… 

we l

Specializing in 

custom moldings 

& trim work. 

• Exceptional pricing 

• Unbeatable service 

• Poplar Moldings 

• Stock Moldings 

• Plaster Ceilings/Trim 

• Quick turnaround 

We will work with you 

or your designer to create 

your dream home! 

Hundreds of satisfied 

clients around Lakewood; 

many references available. 

Showroom Open to the Public 

Monday – Thursday 9-5, Friday 9-1 

Sunday by appt. only 

1525 Prospect Street, Unit 312 • Lakewood, NJ 08701 

P: 866-464-5596 E: ornatellc@gmail.com 

P: 866-464-5596 

E: ornatelc@gmail.com 


BPPRINTGROUP 732.905.9830 

TRUST 

Our design team carefully 

examines the layout of 

YOUR home for the best 

possible look. 

HONESTY 

No hidden charges. We 

stick to our price and 

YOUR schedule. 

PROFESSIONALISM 

Hundreds of satisfied 

customers and builders 

attest to the quality of our 

stairs and rails in every 

style imaginable. 

“THE PREFERRED CHOICE 

OF LOCAL BUILDERS” 

732.942.9844 שומר שבת 

www.upscalerails.com 

Actual jobs shown 

pearl@upscalerails.com 


ailings 

Upscale Rails & Stairs 

732-942-9844 


realtors 

Bendel, “Mendy” Steven 

Keller Williams Realty 

eMeS@kw.com 

Sell or buy with me and take 20% off 

moving costs 

Office 732-942-5280 x 154 

Cell # 732-503-3995 

Berger, Bassheva 

Imperial Real Estate Agency 

908-839-8920 

Bergman, Miriam (Miri) 


732-299-8214 

Brodt, Asher 


732-905-5511 Ext 270 

Cahan, Civia 


917-744-8888 

Century 21 Value Plus Realty 

732-364-6767 

Champion Associates Realty 

732-901-1320 


Crystal Lake Realtors 

732-905-3800 

Elbaz, Shalom 


732-239-1649 

Farkas, Yehuda 


347-779-3604 

Feder, Efraim 


347-628-6565 

Feingold, Sarah 


845-538-7014 

Feldheim, Miriam Rubin- 


732-503-6464 

Esther R Basch (Fischer) 


732-966-5965 

Friedman, Shlomo 


732-540-2155 

Gass, Aron 


732-300-2511 

Gemal, Rochelle (Shelly) 


732-829-0876 

Genuth, Samson (Shimshy) 


732-850-1016 

Gestetner, Raphael 


732-763-9991 


Looking to buy 

in any of these neighborhoods? 

LAKEWOOD: 

RIDGE | CENTRAL | CEDARBRIDGE/MELVILLE | RT 88 

WESTGATE | HEARTHSTONE | RAINTREE 

8TH & MONMOUTH | RT 9 | CHESTNUT | HORIZONS 

JACKSON: 

BROOKWOOD | GREEN VALLEY/CLEARSTREAM 

VILLANOVA | OAKLEY HILLS | FLAIR 

Your 

neighborhood 

expert 

Baila has 

sold in all these 

neighborhoods and 

she can help YOU as well! 

BAILA JASKIEL | Keller Williams Monmouth/Ocean 

Cell: 848.223.2295 | Office: 732.942.5280 ex. 166 

Email: bjaskiel@gmail.com 

NJAR CIRCLE OF EXCELLENCE 2015 


Grohman, Chana (Chanie) 


646-753-1340 

Gruen, Yoel 


732-901-4386 


732-905-5511 


Jankelovits, Yosef 


908-783-1028 

Jaskiel, Baila 

Keller Williams Realty 

848-223-2295 


Klein, Mordechai 


732-833-3528 

Liebb, Menucha (Furman) 


732-275-5052 

Mandel, Malka 


917-755-4660 


Mashinsky, Emanuel 


347-452-7530 

Meisels, Blimi 


732-325-4921 

Munk, Yechiel 


732-600-2423 

Schreiber, Malky M 


732-267-3430 

Shapiro, Resa (Shoshana) 


786-985-1081 

Spira, Yehuda 


732-833-3436 

Spira, Yisroel 


347-675-0204 

Steiner, Yechezkel 


347-870-9968 

Stern, Shlomo 


732-421-0806 

Teichman, Chaviva 


908-910-9771 

Teitelbaum, Chaim 


732-994-8000 

Toma Real Estate 

732-886-6000 

Tzubeli, Joseph 


845-667-9922 

Weiss, Hindy 


732-773-4789 

Worch, Zev 


908-670-4469 




oofing/siding 

Emgee Exteriors 

732-806-5656 

Goldberg Roofing 

732-364-7885 

Perfect Stucco 

732-773-1628 

see ad 

Stairs 

Upscale Rails & Stairs 

732-942-9844 





tiles/granite 

Crystal Tile 

732-994-7722 

Deco Tile 

732-363-2644 

Silverstone Contracting 

732-942-4511 


Takiba Tile & Bath 

732 942 1450 

title 

Capital Abstract 

732-364-1121 

Gold Crest Abstract 

732-364-6181 



Kings Title 

732-961-9102 

Madison Title Agency 

732-905-9400 


Riverside Abstract 

732-806-8060 


windows/doors 

Grand Doors 

718-871-2200 


Hillside Tint & Frost 

845-598-2161 / 732-569-7368 

Riviera Doors & Windows 

732-759-8070 

Success Doors and Windows 

732-901-6888 


window treatments 

Acculite Controls 

732-490-8005 

Basic Blinds Express 

732-886-9315 


Cohen’s Window Treatments 

732-719-2114 


Kellie’s Beautiful Blinds 

732-370-4400 

Interiors by Lakewood Wholesale 

Blinds 

21 Holly Street 

732-886-BLINDS (2546) 


Off the Wall Blinds 

732-367-7286 

see ad 

Open Shut ’Em Window Fashions 

F. Gutman 

14 S. Clifton Ave. 

732-901-OPEN (6736) 


Rainbow Window Fashion 

Blinds, shades, drapery, fabrics & more. 

Free in home consultation, free installation. 

855-610-4529 

Window Statements, Gitty Maidi 

732-994-5657 

908-770-8017 

blinds, shades, drapery 

Want to see 




(732) 930-0089 



until 3/31/16 


It’s your 

investment. 

Keep it in hands you can trust. 

At the end of the day, the best title agency for 

you is the one that you can count on to deliver. 

Clients come to Madison because we get the 

job done right the first time, every time. 

R 877.4.madison (462.3476) 

4 www.madisontitle.com 


State of the City 

Is now the time? 

For much of 2016, interest rates have been at record lows, tempting many people 

to buy houses. Towards the end of the year, rates began to climb slightly, 

but are still low compared to historical rates. No one can predict what a Trump 

presidency might do to the market; however, some analysts point out that at 

times, when mortgage rates rise, house prices are forced down to compensate. 

Thus, the average Lakewood home buyer may not feel a rate increase, 

although he will be paying more to interest and less to equity. In highly desirable 

areas, house prices are likely to remain constant even with a rate increase. 

Ultimately, though, no one can predict the unpredictable, and buyers should be 

sure to do their due diligence to ensure that they can afford their purchases. 

The Lakewood market 

The end of 2016 has seen a slowdown in new construction purchases, as tenants 

become scarcer. With an overabundance of inexpensive rentals on the 

market, many homeowners are having difficulty finding basement tenants. 

Some buyers are reluctant to count on rental incomes, instead opting for singlefamily 

homes, many of them beyond Lakewood’s borders. Homeowners in 

perenially popular neighborhoods, like Yeshiva area and Ridge, are unlikely to 

be concerned about a dearth of tenants. Some report that developments also 

seem to attract tenants more easily in their first years, starting to feel the bite 

of the competition more closely only when other, newer projects open. 

The popularity of single-family homes in neighboring towns has impacted 

some Lakewood neighborhoods, as prices in areas such as Raintree have fallen 

slightly due to the availability of similar homes elsewhere at lower prices. 

Some anticipate that the price of houses will drop as people become reluctant 

to rely on rental income to pay their mortgages, but only time will tell for sure. 

leaving Lakewood 

The move to Jackson and Toms River is picking up speed. While previously, frum 

settlement has been confined to a few isolated pockets, it has lately begun 

to spread out across wider areas. So far, no shuls have been approved, and 

no mikveh seems to be on the horizon in either town. Howell remains sparse, 

as the widely-spaced homes are not conducive to the frum lifestyle. For more 

information on life beyond Lakewood’s borders, see the center map section. 


Are you ready to buy a home? 

This section was prepared with the assistance of Yehoshua Basch of Odyssey Funding and 

Sarah Rothenberg of the LRRC. 

You picked up this guide hoping to learn something useful about homebuying 

— but are you sure you are ready? 

The thought of owning your own home is very tempting — instead of giving your 

hard-earned money to your landlord 

each month, you’ll be paying 

off your own home and building Home equity is the value of the 

your own equity, or worth. 

home that belongs to you. When 

But if you’re thinking of your you begin a mortgage with a down 

house as an investment, it’s also payment of 20%, you really own 20% 

wise to consider alternate possibilities 

of using your money. lender. Over the life of the loan, as you 

of the house; the rest belongs to the 

While building home equity is pay back more of the principal, your 

generally considered a safe investment, 

and actually makes up increases. This allows you to take out 

home equity — your ownership stake — 

the largest share of most people’s 

net worth, some people will equity as collateral. Many people rely 

loans in the future using your home 

be better served by continuing to on their home equity to provide for 

rent while investing their money their retirement, or to take loans to 

elsewhere, such as in a business pay for future needs like weddings. 

or the stock market. 


Make sure you are aware of all relevant costs; besides the purchase price 

of the home, research property taxes, closing costs, insurance, and maintenance 

costs. Below are some questions to help you determine whether you’re 

ready to buy a house. 

• Do you have a stable, documented source of income? Even if you have 

lots of cash on hand, if you can’t prove that you have a reliable income 

source, you may not be able to obtain a mortgage. 

• Do you plan to live in the neighborhood for a while? If you don’t plan to 

hold onto your home, it’s generally not recommended to purchase it: closing 

costs, which can total $7,000-$10,000, and the high interest payments 

at the start of a loan mean that short-term home ownership is usually not a 

wise investment. While some people will rent out their home if they choose 

not to live in it, not everyone is comfortable being an absentee landlord. 

Generally, the longer you stay in a house, the more cost-effective home 

ownership becomes. Although not necessarily applicable to every situation, 

conventional wisdom suggests not buying a house unless you plan to 

live in it for five years. 

• Are you prepared to be a superintendent, or do you prefer to be a tenant? 

Remember, you’ll be responsible for all repairs and landscaping in your new 

home. If the roof needs replacing, you’ll foot the bill, which may total upwards 

of $10,000. 

Financial Impact 

Home ownership impacts your financial situation in a variety of ways. For 

help determining whether this is the right stage in your life for home buying, 

considering your familial and financial circumstances, contact the LRRC at 

(732) 942-9292. 

Tax liability: For many people, home ownership creates significant tax savings. 

Consult with your accountant to understand the impact home ownership will 

have on your tax liability. 


Before you begin 

This section was prepared with the assistance of Yehoshua Basch of Luxury Mortgage Corp, 

Eli Garfinkel of Funding Resources, Shimon Heimfeld of Funding Resources, and Sion Abadi 

of S&S Debt Solutions. 

The paper trail 

As a prospective home buyer, you 

will want to start keeping your finances 

and paperwork in order 

long before you ever start househunting. 

The loan amount you 

will qualify for when applying for 

a mortgage relies on a number of 

factors, including income, assets, 

debt, and credit rating. 

Before applying for a mortgage, 

here are a few things to bear in 

mind: 

• Get a free credit report (each 

of the three credit reporting 

companies, Equifax, Experian, 

and TransUnion, is required to 

provide consumers with one 

free report annually). Review it 

Understanding your credit score 

The majority of Americans have credit 

scores somewhere between 600 – 

800. For the best loan rates, lenders 

look for scores of 720 or above. 

Factors that contribute to your 

score include your bill-paying 

history (have you been on-time?), 

your current debt and available 

credit (maxing out your cards 

regularly is a no-no, but so is 

having lots of open cards and 

available credit), as well as more 

minor factors like length of credit 

history and new credit applications. 


Keep your credit in shape 

Keep track of your spending: 

Keep track of checks you’ve 

written, credit card transactions, 

and ATM card usage. Review your 

monthly statements and report any 

discrepancies immediately. 

Don’t exceed your credit limit on 

lines of credit and credit cards. 

Pay what you owe: Always pay 

at least your minimum monthly 

payment. Be sure not to skip any 

payments. 

Timely payment is one of the best 

ways to establish yourself as a 

good credit risk to future lenders. so 

stay on top of your bills by making 

them all due on the same day of 

the month. Contact your lender — 

many will allow you to choose your 

payment due date. 

Schedule automatic payments to 

ensure you don’t forget a bill 

Keep contact information current: 

When moving, be sure to update 

your address so you don’t lose track 

of bills and statements 

closely to see how you can improve your credit score. 

• Be aware that using credit cards, even if you pay your bill in full every month, 

creates a minimum payment, which mortgage lenders view as debt. When 

possible, minimize credit card usage for the month or months before you 

apply for a mortgage. 

• Lenders require you to demonstrate a stable employment history, so be 

careful about switching between 1099 and W2 status (for example, transitioning 

from full-time work to freelancing or vice-versa); this could potentially 

disqualify you because of your employment history. 

A check from an unrecognized 

source — for example, a gemach 

— can be very difficult to explain 

to a bank and may cause your 

application to be denied. However, 

gifts from blood relatives are 

acceptable if they sign a gift letter; 

be sure to discuss the possibilities 

and limitations of such gifts with 

your mortgage professional. 

Lenders require meticulous documentation 

of every dollar used 

towards the down payment, so 

any large or unusual deposits into 

any of your accounts will be scrutinized 

carefully. Whenever possible, 

consolidate all the money 

for the down payment into one 

account as early as possible. Keep 

copies of all checks, deposits, and 

statements that document the 

flow of money in and out of the 


account at least two to three months before you will be paying a deposit on 

a house or closing. 

Get pre-approved 

As soon as you’ve decided you are interested in purchasing a home, sit down 

with a mortgage professional to discuss how much credit you can expect to 

receive. This initial discussion can lead to one of two outcomes: prequalification 

or preapproval. Although often used interchangeably, the terms do in 

fact carry different meanings. 

Prequalification is a non-binding assessment of the buyer’s credit, income, 

and assets which allows the mortgage broker to provide an estimate of the 

loan amount the buyer will qualify for. Based on the buyer’s self-reported information, 

a prequalification is neither checked for accuracy nor guaranteed. 

A preapproval, on the other hand, usually entails actually pulling the buyer’s 

credit and examining all the pertinent documentation. Valid for a limited time 

period (typically 120 days), the preapproval letter confirms how much credit 

the buyer will qualify for, and at what interest rate. Getting pre-approved signals 

to sellers and real estate agents that you are really prepared to buy, and 

greatly reduces your risk of failing to qualify for a mortgage. Some agents 

won’t even show you houses or make offers on your behalf without a preapproval 

in hand. Pre-approval can also save precious time down the line, 

when you are trying to qualify for a mortgage under a tight deadline. 

How much house can you afford? 

Calculating how much you can afford to spend on a house, and how much 

credit you can expect to be approved for, is a complicated equation with numerous 

factors coming into play. While expert advice is best obtained from a 

mortgage professional, it is helpful to understand a number of basic concepts. 

Banks typically determine your loan size based on your debt to income ratio 

(DTI); they will not allow your monthly payment to be more than a certain 

percentage, often 36%, of your income. So if you already have student loans 

or car financing, you will generally not be able to receive as large a mortgage. 

DTI limits can vary significantly between different lenders. 

Also, the higher your credit score, the lower the interest rate you will be able 

to secure. 

In Lakewood, many people rely on rentable apartments to help meet their 

mortgage payments. However, this income will rarely count on your loan 


application, even if the apartment has all the necessary permits. While a 

rental apartment can still help you afford your monthly mortgage payment, 

do not rely on it to secure the loan in the first place. 

When you have determined the maximum monthly payment you can make, 

you are ready to determine how much you can afford to spend on a house. 

Once you own your home, you will be making monthly mortgage payments. 

Each payment has four components, commonly referred to by the acronym 

PITI: principal, or money borrowed to pay for your home; interest on your 

loan; property tax; and home insurance. Toward the beginning of your payments, 

a larger percentage of your payment goes to covering the interest on 

the loan, but as you pay off more of the loan principal, each month you will be 

paying more toward the principal and less in interest. 

To illustrate the amortization 

process, consider a typical 

30-year mortgage of $300,000 

begun in 2016. At a 5% interest 

rate, the monthly mortgage + 

interest will be about $1500, but 

only about 20-25% of that will 

initially go towards principal; the 

rest will pay interest. It will take 

about 24 years until that ratio is 

reversed, so that by March 2040 

80% of the payment will be 

towards principal while the rest 

goes to interest. By 2046, you 

will own the home free and clear. 

Amortization refers to this process 

of decreasing the amount of loan 

principal over time; an amortization 

schedule, provided when you obtain 

a mortgage, will show you where your 

dollars are going over the length of 

the loan. A mortgage calculator can 

show you how the breakdown progresses. 

You can find a mortgage 

calculator online, or use an app that 

doesn’t require internet access. 

Bear in mind that your monthly payment 

is not absolutely fixed; your 

property taxes and insurance payments 

may rise, so be prepared for your 

payments to increase even though your 

interest rate stays the same. 

Although loans are usually structured for the lender to escrow for your taxes 

and insurance, you may be allowed to pay them independently if you prefer; 

discuss the possibility with your mortgage professional. 

Additional closing and ownership costs 

Remember that affording the down payment and monthly payments is not 

enough; you aren’t done yet! 

If you are buying pre-construction, there may be many upgrades you will 


want to make that aren’t covered by the contract, such as exterior lighting, an 

additional bathroom, or plumbing for a Pesach kitchen. Payment for these will 

not be included in the mortgage, so you will need a cash buffer to cover them. 

When you apply for a mortgage, your mortgage representative will give you 

a disclosure of estimated closing costs. The total amount charged at closing 

can’t legally exceed that, with the exception of some charges that can fluctuate 

by up to 10%. Be aware that these closing costs are not all extra fees; 

some are simply payments that need to be made upfront and placed into 

escrow, so the money really remains yours. Make sure to leave enough room 

in your budget to cover the various expenses that will arise. (For more information 

about these individual costs, see “Under Contract”, page 66.) 

• Home appraisal: Ordered by the mortgage lender, this can cost between 

$350 and $500 

• Closing fee for attorney: This typically ranges from $1200-$1800. 

• Title policy: This is about 1% of the loan cost 

• Homeowner’s insurance: While this is typically paid as part of the monthly 

payment, the first year’s premium is usually due at closing, and is typically 

a minimum of $600. 

• Property tax escrow: Usually one quarter’s taxes 

• Bank fee: This covers loan origination and processing, and is typically between 

$1000-$1500. 

• Interest for remainder of the month of closing: If you close in mid-April, 

you will need to pay the interest for the remainder of April at closing, and 

then your next mortgage payment will come due on June 1, as each mortgage 

payment covers the previous month’s accrued interest. 

Aside from the actual closing costs, you may have other expenditures, such as 

moving, painting, renovations, or purchasing furniture or mezuzos. Also, don’t 

forget that once you own your own house, you will be responsible for any appliances 

that break, exterminator fees, and other assorted maintenance costs. 

Don’t use your entire budget on the house and leave yourself with no padding! 


Consider Co-borrowing 

Both co-signers and co-borrowers are other individuals whose income, 

debt, and credit are factored into the calculation when determining the loan 

amount you qualify for. Including a co-signer on the loan can significantly 

increase the loan size that a borrower qualifies for; for more information on 

co-borrowing, see page 69. 

How much will you put down? 

Just how much of a down payment should you plan to put down? With a 

smaller down payment, your initial cash outlay will be less, but your monthly 

payment will consequently be higher. Also, many lenders will require you to 

purchase private mortgage insurance (PMI), which protects them from loss in 

case you default on your payments. PMI usually costs between .5%-1% of the 

loan value on an annual basis, so a $200,000 loan might incur an additional 

annual PMI cost of $1,000-$2,000, or up to about $166 extra a month. This 

expense has the additional disadvantage of increasing the debt factored into 

the DTI determination, which could result in a rejection of the application. 

The “magic number” for down payments that most people are familiar with is 

20%. 20% is ideal for a number of reasons: 

• Mortgage lenders view the transaction as lower risk, thus allowing you to qualify 

for the best possible mortgage rate based on your income and credit history. 

• Your monthly payment will be lower if your total loan amount is smaller. 

• Lenders will not require the added expense of mortgage insurance, which 

protects the lender if you default on the loan. 

For some, who are sure they can afford the costs of home ownership but 

don’t qualify for a conventional loan, FHA loans, secured by the Federal Housing 

Administration, can be a viable alternative. However, because of the very 

high insurance costs associated with these loans, they are generally only recommended 

for buyers with no other options. Learn more about FHA loans on 

page 68. 

Once you have determined how much you are prepared to spend on a house, 

you are prepared to embark on the house hunt. 


The Search is On 

This section was prepared with the assistance of Asher Brodt and Malka Mandel of Imperial 

Real Estate Agency, Yehuda Ungar of Toma Real Estate, Baila Jaskiel of Keller Williams, and 

Yitzchok Pollack of George Realty. 

Buying vs. building 

By far the most common purchase is that of an existing home, purchased 

from a previous owner. One attraction of an existing home is its immediacy; 

these offers abound, and once you find the home you want, you simply need 

to sign a contract and arrange financing, and could move in within a month 

or two of first seeing the home. 

Purchasing a new home from a builder or developer is another option. Rather 

than choosing every tile, cabinet, and finish, a basic package has been determined 

for you, although you can often upgrade specific components, and the 

framework allows for expansion down the line. This keeps costs and delays 

down, while allowing you some control over the finished product. 

Others choose to purchase a lot and hire a builder to build a custom home. 

The sky is the limit in terms of customization and flexibility, but all that 

uniqueness will have to be paid for, making this the most expensive option 

for most people. While an existing home may require some renovations or 

upgrades, when building, there is always the temptation to add in numerous 

upgrades and personal customizations, all of which quickly add up. 

Also, because you have complete control over every element of the construction, 

you will be involved in choosing everything from cabinet hardware to 


appliances to paint colors. Some people love these decisions, while others 

find them overwhelming. Be prepared for a wait before you move in; construction 

takes time, and anything from inclement weather to labor shortages can 

slow it down. 

To build your dream home, you will need to finance two steps: the purchase of 

a lot, as well as the construction. This will require either large cash reserves, to 

buy your lot free and clear, or impeccable credit and income to qualify for loans 

to cover both of these investments. Unless you have an excellent deal on a lot, 

building a custom home will usually be your most expensive option, but may 

be worth it to you in terms of the flexibility and customization it will afford you. 

Working with a Real Estate Agent 

Because real estate agents are typically paid a commission by the seller (in 

the frum community, usually 3-4% of the purchase price, or as little as 1% 

on new construction), there is very little reason not to engage their services 

when house-hunting. Buying without an agent is usually recommended only 

for investors or very experienced buyers with expert familiarity with the ins 

and outs of the real estate market. 

The real estate agent will hold your hand throughout the home-buying process, 

explaining the steps to you, guiding your choices, and answering your questions. 

Some ways a real-estate agent can help streamline your search include: 

• Saving you time and effort by scouting listings and narrowing down the choices 

• Advising you whether prices are fair and/or whether the house has defects 

that you might not otherwise notice 

• Negotiating sale price and terms 

• Recommending the services of other professionals involved in the purchase 

process, such as lawyers or mortgage brokers, if you don’t have one 

already 

Choosing a real estate agent 

Because the real estate agent will be you go-to person with all your questions 

and concerns throughout the home-buying process, availability is crucial. You 

need to be sure that the agent will answer your calls or emails, explain things 

clearly, and understand your needs and priorities. As with other professionals 

you will encounter, recommendations from friends or family are important. 

Aside from recommendations, the personal relationship is vital as well. You 

may be spending long hours with your agent visiting houses and weighing 


their pros and cons, so make sure that you feel comfortable with the agent, 

and that you don’t feel rushed or intimidated by him/her. Do you feel that 

he/she respects your preferences? Because the agent plays such an integral 

role, including helping choose the other key professionals in the process, it is 

vital that you establish trust as well as a good rapport. 

Don’t worry about choosing an agent who has a lot of his or her own listings. 

All agents have access to the same available houses; any agent can show 

you a house listed by another agent, even if they are not part of the same office. 

In fact, using the listing agent as your own agent can potentially create 

a conflict of interest: the listing agent is working on the seller’s behalf and is 

legally bound to negotiate for him, which may impact your ability to negotiate 

a better price or other concessions. 

If you do have a particular area or type of house in mind — if you’re only 

looking within a specific neighborhood, or if you prefer a newly constructed 

home — you may choose to look for an agent who specializes in that field. To 

determine who that specialist is, inquire how many of that type of house an 

individual agent has sold, and speak to references who have bought that type 

of house through the agent. 

Agent Exclusivity 

The advantage of commitment to a particular agent cannot be overstated. While 

in many industries, it is common practice to pay a retainer or a fee for any visit, 

regardless of the job outcome, real estate agents are compensated only when a 

sale is completed, which could theoretically take months or never happen at all. 

A real estate agent, then, is motivated to do whatever he can to close a sale, 

but will not be able to invest inordinate amounts of time in clients who are not 

serious. If an agent realizes that the customer is shopping around, talking to 

other agents, and calling sellers directly (any of which could cost the agent his 

commission), the agent will be unable to give that particular search his all, as 

his client’s trust is his only guarantee of ever being compensated for his time. 

If you do speak with an agent other than your own, such as at an open house, 

be upfront about the fact that you have already committed to a different agent. 

When you commit to work exclusively with one agent, he or she will act as 

an advocate on your behalf. If he is confident that he has your trust and your 

business, that will be the incentive necessary to build a productive relationship 

in which he does whatever he can to further your search. 

(continued on page 57) 


what type are you? 

The style of house that is most 

suited to your family will depend 

on a lot of dynamics. How many 

kids? What are their ages? Do you 

host a lot of company, or perhaps 

boarders or elderly parents? Here 

are some of Lakewood’s most 

common house styles. 

The ranch house is laid out entirely on 

one floor, often with a built-in garage. 

Some will have basements. 

The colonial, the country’s most 

popular house style, is a 2-3 story 

home, which separates the bedrooms 

on the upper floor(s) from 

the daytime living space, located 

on ground level. 

A bi-level opens to face two halfflights 

of stairs, one leading up to 

the majority of the living space — 

the kitchen, dining room, and some 

bedrooms — and the other leading 

down, often to 1-2 bedrooms, a 

family room or study, laundry 

room, and perhaps a garage. 

A cape is generally one-and-ahalf 

stories, with a steep roof with 

dormers. The facade is typically 

simple and unadorned. 

The split-level has multiple levels of 

living space — usually family room and 

garage on the lower level (while still 

not underground), then dining area 

and kitchen on the middle (main) level, 

and bedrooms above. Other ways of 

splitting the floors are available too. 


Holly Oaks 

Park 

Lakewood 

Pines Park 

Eagle Ridge 

Golf Club 

Lakewood 

Country Club 

Carasaljo Park 

Georgian 

Court Univ 

Lake Carasaljo 

Lake Manetta 

Kimball 

Medical Center 

John F Patrick 

Sports 

Complex 

Ella Clarke 

Elementary 

School 

Lakewood 

High School 

Lakewood 

Middle School 

Lakewood 

Public Schools 

Recreation 

Grounds 

Lake 

Shenandoah 

County Park 

Lake 

Shenandoah 

FirstEnergy 

Park 

Greenbriar at 

Woodlands 

Golf Club 

Ocean County 

Park No. 1 

Lake Waddill 

Woodlake 

Country Club 

Brick 

Township High 

School 

Parkwa 

Map design 

Map data © OpenS 

brookwood 

pawnee 

Larrabees 

Lakewood Farmingdale Roa 

14th Street 

West County Line Rd 

coventry brookhill 

Squankum Road 

east end 

East County Line 

Road 

oak knoll 

gudz/miller 

Map 2-3 

westgate 

central 

North Hope 

Chapel Road 

Old Whitesvi le Road 

Whitesvi le Road 

A Country Place 

Central Ave 

new england 

village 

Madison 

Avenue 

9th St 

yeshiva area 

Main Street 

ridge 

Ocean Avenue 

East County Line Rd 

Ridge Avenue 

medina rd 

New Hampshire Avenue 

ocean pointe 

raintree 

Lanes Mi l Road 

i lRoad 

LanesM 

Lanes Mills 

Lanes 

Cross Street 

Cedar Bridge Avenue 

Map 4 

Whitesvi le Road 

West Cross Street 

prospect st 

oak/vine 

hearthstone 

albert 

rt 9 south 

developments 

Locust Manor 

Cross Street 

Locust Street 

Lakewood Rd River Avenue 

arlington 

chestnut 

belz 

Map 6 


Pine Acres 

cedarbridge 

Map 5 

Neighborhood Snapshot 


Leisure Village 

Road 

Airport 


Abbreviation Key 

SF: Single-family 

DP: Duplex 

TH: Townhouse 

S: Sefard 

A: Ashkenaz 

EM: Edot HaMizrach 

Toms River: Map 9 Jackson: Map 11 

The sheer size and variety of Lakewood 

preclude the ability to provide a detailed 

overview of every area. In this section, we 

endeavored to pinpoint neighborhoods 

with specific character or features that can 

help guide buyers in their house searches. 

Likewise, only a few representative shuls 

could be shown in each area from all of 

the dozens Lakewood has to offer. 

While data was as accurate as possible 

as of the beginning of 2017, the market 

changes rapidly, and readers are encouraged 

to do their own research to verify the 

current accuracy of any details. 

How to use this section 

Each labeled grid section of the map 

above corresponds to a page or pages 

where you will find an enlarged map with 

street labels, shuls, and other detailed 

information. Please note: due to space 

constraints, not every neighborhood discussed 

is noted on the above map. 

Shor ockStreet 

Chambersbridge Rd 

Lake Riviera 

This section was prepared with assistance from Baila Jaskiel of RE/MAX 

on the Move Realty and Malka Mandel and E.R. Fischer of Imperial Real Estate. 

Map 1

Miller Road 

ad 

Black Oak Road 

ckson Pines Road 

Ja 

kson Pines Road 

ve 

enny 

Lane 

ica Court 

Glen Road 

3 Khal Chassidim S 

Lakewood 

R’ Pines Berel Park Shachar 

Dock St 

North Hope Chapel Road 

Lakewood’s northwest corner used to be considered 

far out of town, but is now vibrant and 

heavily populated with frum families in single-family 

homes. A good choice to find large 

homes on impressive properties, the 14th 

Street and Oak Knoll areas are not heavily 

developed, and homes are unique and varied. 

While a small 3 bedroom can occasionally be 

found for less than $400k, most homes sell 

for much more than that, and $600k is not 

unusual. Both heimish and litvish families will 

feel comfortable here. 

Cross Street 

Old Whitesville Ro ad 

Whitesville Road 

South of Carasaljo Park, in the Miller/Gudz/ 

New Central area, shady suburban streets 

are lined with private homes, many of them on 

huge lots. While new construction is available, 

it is not very widespread in these areas. 

Lakewood Township’s frontier is the Pawnee 

area, jutting into neighboring Jackson. With its 

reasonably-priced homes (4/5 BR bi-levels for 

LindaDrive 

ail 

Metedeconk Trail 

Clearstream 

Rd 

Green Valley Road 

Florence Ct 

Denmark Lane 

New Central Avenue 

Galassi Ct 

Kevin Court 

White Road 

rail 

LenapeT 

Clearstream Road 

Seminole Drive 

Iroquois Place 

Shonny Court 

Genesse Pl 

Mohawk Pl 


Clearstream Rd 

Irene Court 

North Crest Pl 

Belnair Avenue 

Pawnee Rd 

Maplehurst Ave 

Tori Court 

Hope Hill Lane 


Kletsk Hill Road 

Bellevue Avenue 

Louisiana 

Pawnee 

Pamela Dr 

Pamela Dr 

Klem Woods Ave 

Maplewood Ter 

Hillside Blvd 

Greencove Rd 

Sanztown Rd 

Laurel Avenue 

Pinehurst Avenue 

McKinley Ave 

Buchanan St 

Pressburg La 

Sanztown Rd 

Newport Avenue 

Indiana 

Oregon Avenue 

Oliver Street 

Adams S treet 

California Dr 

Old Whitesville Rd 

Drake Road 

Neiman Road 

West Virginia 

Garfield Street 

Van Buren Ave 

Queens Court 

Kingsfield Dr 

Van Buren Ave 

Katie Ct 

Franklin Boulevard 

Gudz Road 

Drake Road 

Montana Dr 

brookwood 

(jackson) 

Texas Dr 

1 Beis Shabsi A R’ Yaakov Kaplan 

2 B”M Kol Aryeh S R` Moshe P. Schwartz 

Country Club Lane 

Country Club Dr 

4 Zichron Shneur A R’ Osher C. Lieberman 

5 Kollel Ner Avrohom A 

6 Khal Meor Chaim A R’ Eliezer Herzka 

green valley, 

jackson 

Map 2 

1 

6 

Taylor 

Irving 

Brookwood 

Pkwy 

Lakewood 

Country Club 

Thistle Court 

Poppy Ct 

Daisy Court 

Forest Dr 

Crocus St 

Poplar Street 

Petunia Dr 

Mulberry Lane 

Pansy Dr 

Mulberry Lane 

North Hope 

Chapel Rd 

Cactus Dr 

Lake Blvd 



under $400k) and a welcoming mix of young 

families, it is rapidly filling with frum Jews. 

Attaya Road 

Arizona 

Ave 

Miller Road 

Miller Road 

Carnation Dr 

Leigh Dr 

Across the border, frum neighborhoods are 

springing up in Jackson. For more detail A Country Plac 

about life outside Lakewood, including detailed 

neighborhood descriptions, see “Beyond 

Lakewood,” page Map 8. 

Lakewood Road 

Pine Circle Dr 

Metedeconk 

Lane 

Adelaide Place 

Saint Katherine Place 

Dogwood Ct 

Wisteria 

Cathedral Dr 

Cedar Dr 

Carlton Avenue South 

Glen Avenue South 

Buckwald Ct 

Saint Nicholas Avenue 

Tuxedo 

Ter 

Tanglewood La 

Chalet 

Terrace 

Arboretum Pkwy 

Tuxedo Ter 

Georgian Terrace 

“Yeshiva area,” or Lakewood’s historic heart, 

is the most urban section of town. While many 

houses in the area are quite old, and typically 

not spacious or with large properties, expect 

to pay a premium of $100,000 or more for the 

privilege of living within walking distance to 

yeshiva and just about every other amenity 

you will ever need. As in many of Lakewood’s 

desirable areas, there is also new construction 

available. 

Atlantic Ave 

James Street 

Country Club Drive 

Seton Circle 

Seton Circle 

Forest Drive 

Gladiola Ct 

Shady Lane Dr 

Forest Drive 

gudz/miller 

Gudz Road 

Lafayette Boulevard 

3rd Avenue 

2 

Temple 

Ave 

Ridgeway Place 

Avis Avenue 

Curtis Lane 

North LakeDrive 

Hope Terrace 

Cedar Row 

South Lake Dr 

Azalea Ct 

Glen Ave 

Thorndike 

Willow Ct 

14th Street 

Hedge Dr 

Carasaljo Drive 

Pine Park Avenue 

Coll St 

Chicanos Dr 

NorthLakeDrive 

Cedar Row 

East of the yeshiva, but still within a 25-minute 

walk, Park Avenue and surrounding 

streets (Negba, Kedma, etc.) have rows of 

C 

Strauss St 

Central Court 

Carlton Ave 

Glen Ave 

Elliot Street 

Columbus Avenue S Columbus Ave 

Regent Dr 

Parkside Dr 

14th Street 

3 

Dr 

WaldenAve 

Chicanos 

Kimberly Dr 

Roselle Court 

Oak Knoll Rd 

Iris Road 

Magnolia Drive 

4 

Canterbury Road 

Arbutus Dr 

Lake Drive Terrace 

North Lake Dr 

Hollywood Avenue 

Cardinal 

Court 

Autumn Road 

South Lake Drive 

Teaberry Court 

5 

Case Rd 

oak knoll 

Case Rd 

Robin Drive 

Regent Dr 

Brill St 

Hearth Court 

James Street 

14th Street 

Summer Avenue 

Prospect Street 

Regent Dr 

Fernwood Ave 

Woodland Drive 

Monterey 

West Co 

Georgian 

Court Univ 

Hillridge Pl 

Powderhorn Dr 

Level Lane 

Brittany Ct 

Laurelwood Ave 

Georgian Court Coll 

West 

Oakwood Av 

Georgian Cou 

North 

Lake D 

r 

Lakev 

Val 

Cen 

Flintlock Drive 

Flintlock Dr 

Li 

P

e 

Kennedy Boulevard 

unty Line Rd 

rt Colleg 

e 

Cedarview Ave 

Lakewood Avenue 


South Lake Dr 

iew Dr 

ley Dr 

e 

Caranetta Dr 

tral Ave 

Myrtle Place 

Pinemere Ave 

Sunset Road 

East Kennedy 

Boulevard 

townhouses with a mix of yeshivish and 

chassidish residents. 

In either direction along County Line and 

Kennedy, heimish enclaves abound, around 

centers such as Skver, Bobov, and Rachmastrivka. 

High demand for the County Line and 

East Lake End Manettareas is driving up prices, with lots 

selling for over $500k. 

Ella Clarke 

Elementary 

School 

Lakewood 

High School 

Lakewood 

Middle School 

Lakewood 


Recreation 

Grounds 

Further south, as Ridge Avenue twists east, 

duplexes ($600s+) and single-family homes 

($700k+) are springing up everywhere 

among the older, smaller houses that line 

the narrow streets. Previously populated 

by many immigrants, it is now also home to 

many chassidish and litvish families. 

Development Units Rav est. price 

Brookhill Estates 2500-4300’ SF R’ Shmuel Bittersfeld (S) $600k 

R’ Avrohom Miller (A) 

Whispering Pines 2000-2500’ TH R’ Meir Reuven Berkovitz (S) 

R’ Aron Yoel Sorscher (A) 

$450-$500k 

Murray Street 

Heathwood Ave 

North Lake Drive 

owderhorn Dr 

berty Dr 

7 Toldos Yaakov Yosef (Skver) S R’ Avrohom Spitzer 

8 Anshei Sefard S R’ Shmuel Blech 

9 Khal Ateres Yeshaya A R’ Simcha Bunim Cohen 

10 BMG 

11 Yitav Lev (Satmar) S R’ Betzalel Klein 

12 Zichron Binyomin EM R’ Yosef Bitton 

13 Ohr Yechezkel S R’ Moshe Shimon Luria 

14 Sons of Israel A R’ Boruch Ber Yoffe 

Lapsley Lane 

Harrison Place 

Caranetta Dr 

Freedom Dr 

Forest Avenue 

Whispering Woods 2300-2500’ TH $450-$500k 

Kew Gardens 2100’ TH R’ Yosef Weisblum (S) $450-$500k 

Coventry Square 1100-1400’ TH (2-3 BR) R’ Menchem Mintz (A) $180-$225k 

Twin Oaks 2800-3500’ SF $550-$650k 

Wyndham I 1100-1400’ TH $180-$220k 

S 

7 

Elaine Street 

Ardenwood Ave 

9th Str 

Evian Ct 

Omni Ct 

Sylvan Ct 

Williams Street 

eet 

Private Way 

North Lake Dr 

Commonwealth Dr 

Kimball Road 

15th Street 

Davis Road 

13th Street 

Bradshaw Rd 

12th Street 

Freeman Rd 

James Street 

Birch Street 

Henry Street 

Buttell Avenue 

Kimball 


Cedar Court 

8 

8th Street 

bmg 

NorthLake Dr 

West Spruce St 

6th Street 

5th Street 

14th Street 

Madison Avenue 

Manetta Place 

Edgewood Court 

Hudson Street 

Courtney Road 

Carey Street 

10 

7th Street 

11 

Clifton Avenue 

Cedar St 

Sherwood Drive 

12th Street 

9th St 

4th Street 

South Clifton 

Ave 

Main Street 

Ave 

Hurley 

East Kennedy Boulevard 

Lexington Avenue 

3rd Street 

2nd Street 

1st Street 

Sharon Ct 

Washington Pl 

John Street 

Warren Street 

Howard Dr 

Forest Park Circle 

Neal Court 

Monmouth Avenue 

Alder St 

Ned Dr 

e 

Martin Luther King Drive 

East Spruce Street 

14th Street 

Monmouth Av 

Ashley Avenue 

Marc Drive 

Marc Drive 

Wynatt Drive 

Princeton Avenue 

Steckler St 

r 

Ashley Ave 

Berkowitz 

Ave 

13th St 

12th Street 

Carey Street 

11th Street E. 11th St 

10th Street 

coventry 

square 

E. 6th St 

Park Ave 

Park Avenue South 

Shafto Ave 

Laurel Ave 

Center Street 

Lois Lane 

10th St 

Arlington Ave 

John Stree 

Lincoln Street 

t 

Wynatt St 

Daniel Dr 

11th St 

Lawrence Ave 

9th Street 

8th Street 

Railroad Avenue 

Melville Avenue 

Elm Street 

Melville Ave 

Vine Avenue 

Ridge Ave 

Vine Street 

Squankum Road 

East 4th Street 

Woehr Avenue 

Washington Avenue 

Astor Dr 

Bruce St 

Joda Dr 

North St 

Coleman Ave 

E. 7th St 

Pearl Street 

Milton St 

Harvard St 

Park Pl 

Whitmore St 

Hackett St 

Park Avenue 

E. 5th St 

Apollo Road 

Apple St 


Cornelius St 

Ridge Ave 

South St 

Rosebank St 

Dewey Avenue 

Nowlan Pl 

E. 4th St 

Laurel Avenue 

Clover Street 

Pine Street 

Baila Dr 

E. Harvard St 

Leonard St 

East End Ave 


Manetta Ave 

Clover Street 

Ridge Avenue 

E 5th St 

Twin Oak Dr 

School St 

Bergen Avenue 

Park Terr 

Canary 

Holly Street 

Arosa Hill 

Belvedere Ln 

East Kennedy Blvd 

Park Terr St 

NY Ave 

Larrabees 

wyndham I 

whispering 

pines Twin Oaks 

kew gardens 

east end 

12 13 

14 

park avenue 

9 

ridge 

Cabinfield 

Circle 

Stirling Ave 

E. Bergen Ave 


Avenue of the States 

Lakewood Farmingdale 

Somerset Ave 

Somerset Ave 

Milano Dr 

Sienna 

Way 


Ridge Ave 

North Oakland Street 

Map 3 

brookhill 

estates 

Cherry Street 

Engleberg Ter 

Lake 

Shenandoah 

County Park 


Brook Road 

Lucerne Dr 

Stadium Way 

Brook Road 

OceanCounty Park 

Blvd of the A 

Aros 

Lake 

Shenando 

Stadium Way 

America 

FirstE 

P

Miller Road 

Ave 

Pl 

r 

Ave 

uth 

nk Trail 

Clearstream 

Rd 

urt 

Dr 

Glen Ave 

reen Valley Road 

Florence Ct 

t Street 

Denmark Lane 

entral Avenue 

Galassi Ct 

vin Court 

rive 

Chicano 

A city-within-a-city, Westgate has its own 

shopping, choice of shuls, and numerous 

parks. While much of the development has 

been devoted Georgian to rentals, several streets 

Court Univ 

closer the the New Central entrance offer 

Lakewood 

Pines Park 

townhouses and private homes for sale. 

Lakewood 

The townhouses, mostly 4 BR, Country range Club between 

$380-425k with basements with 

separate entrances, and in the mid-$300s 

without. Lots tend to be small, and the 

area is densely populated. 




Fairwa 

Roselle Court 

On either side of Central, a variety of private 

homes house settled families, mostly 

working kollel alumni. A well-established 

area, houses A Country can Place range from the high 

$300s-$600k. 


Regent Dr 

Oak Knoll Rd 

Iris Road 



Secluded Drake Road offers Lake Manetta plenty of 

room on which to build, with lots priced 


White Road 


Cardinal 

Court 

Rosewood Dr 

Semin 


Arbutus Dr 

Autumn Road 

Shonny Court 

Cross Street 

Mohawk Pl 



North Lake Dr 


Case Rd 

Case Rd 

Robin Drive 


Regent Dr 

Brill St 

Irene Court 


Belnair Avenue 

nesse Pl 

Pawnee Rd 

Maplehurst Ave 

Tori Court 




James Street 


Ivy Hill Rd 

14th Street 

Hearth Court 

Bellevue Avenue 

Hillside Blvd 

Old Whitesville Ro ad 

Wens 

tru 

d Ave 


Monterey 

1 

Summer Avenue 

Ivy 

Rd 

Hill 

enue 

Hillridge Pl 

Regent Dr 

Powderhorn Dr 

Level Lane 

Georgian Court Colleg 


North 

Lake D 

Pamela Dr 

Pamela Dr 

Sanztown Rd 

Laurel Avenue 


2 

3 

Klem Woods Ave 

Maplewood Ter 

Pinehurst Avenue 

r 

Flintlock Dr 

Greencove Rd 

4 

McKinley Ave 

Buchanan St 

Pressburg La 

Sanztown Rd 

westgATE 

5 

Morris Avenue 

Enclave Blvd 

Oregon Avenue 

e 


Bellevu 


South Lake Dr 

Lakeview Dr 

Valley Dr 

Central Ave 

Oliver Street 

Adams S treet 


Old Whitesville Rd 

Drake Road 

Neiman Road 

Franklin Boulevard 

West Vi 


Van Buren Ave 

Queens Court 

Kingsfield Dr 

Van Buren Ave 

Katie Ct 

drake 

road 

Hearthstone Dr 

Waldorf Terrace 


Caranetta Dr 

Myrtle Place 

Powderhorn Dr 

Liberty Dr 

Blue Jay Way 

North Dr 

ClaireDr 

Sunset Road 

Jenna Court 

Cross Stree 

Murray Street 

Edward Dr 

Lancewood Court 

Princewood Ave 

Lapsley Lane 


Claremont Court 

Texas Dr 

Country Club Dr 

Caranetta Dr 

Netherwood Dr 

Freedom Dr 

Gudz Road 

Drake Road 

Bellecourt Blvd 

Brookwood 

Pkwy 

Country Club Lane 

Taylor 

Elaine Street 

Irving 

Gudz Road 

Summit Ct 

Biltmore Ave 

9th Str 

Evian Ct 

Omni Ct 

Sylvan Ct 

Thistle Court 

Poppy Ct 

Daisy Court 

Forest Dr 

Crocus St 

Poplar Street 

Petunia Dr 

Mulberry Lane 

Pansy Dr 

North Hope 

Chapel Rd 

Cactus Dr 

Lakewood Road 

West Cross 

Mulberry Lane 

Lake Blvd 


Attaya Road 


eet 

Private Way 

3rd Avenue 

Arizona 

Ave 

Forest Avenue 

North Lake Dr 


Chateau Dr 

Kimball Road 

Finchley Boulevard 

Tova Dr 

Davis Road 

13th Street 

Seton Circle 

Bradshaw Rd 

MillerRoad 

Forest Drive 

Miller Road 

Atlantic Ave 

James Street 

Carnation Dr 

Leigh Dr 

from $350-$400k, as well as existing large, 

upscale homes, which can sell for well over 

$800k. The large lots afford privacy while 

still being within walking distance to Westgate 

and New England Village. 

Metedeconk 

Lane 

Adelaide Place 

Saint Katherine Place 

Country Club Drive 

Seton Circle 

North LakeDrive 

Gladiola Ct 

Shady Lane Dr 

Forest Drive 

Lafayette Boulevard 

Biltmore Avenue 

12th Street 

Cushman Street 

Kimball 


River Avenue 

Chateau Drive 

NorthLake Dr 

Freeman Rd 

James Street 

Birch Street 

Henry Street 



Rena Ln 

Hadassah Ln 

Cedar Court 

Gila Pl 

River Avenue 

Hekel Rd 

Shilo Rd 

Pine Blvd 

8th Street 

Taft Ave 

Ridgeway Place 

Truman Ave 

Roosevelt Ave 

Amherst St 

6th Street 

5th Street 

Avis Avenue 

Cathedral Dr 

Buckwald Ct 

South of Central, New England Village is 

populated by private homes, many built as 

a planned development. Prices can be as 

low as $350k for an older cape, while the 

newer colonials with separate basements 

will sell for closer to $600k. Just west of 

New England Village, James is undergoing 

development, offering duplexes from the 

mid-$500s. 

Curtis Lane 

Temple 

Ave 

Within the past five years, the numerous 

developments along Prospect Street 

have become a destination for Georgian young yeshivish 

families, although prices are 

Court Univ 

rising. 

Dogwood Ct 

Wisteria 

Pine Circle Dr 

Hope Terrace 

Cedar Row 


South Lake Dr 

Azalea Ct 

9th St 

4th Street 

Glen Ave 

Thorndike 

Willow Ct 

14th Street 

Hedge Dr 

Carasaljo Drive 


Yale Drive 

Courtney Road 

Carey Street 

7th Street 

Manetta Place 


High St 


Rutgers Dr 

Rider St 

Grassmere Ct 

Windemere St 

1 Zichron Elazar S R’ Shlomo Z. Friedman 

2 Khal Chassidim S R’ Bentzion Halberstadt 

3 B”M Kelm Woods A R’ Avrohom Helberg 

4 B”M Westgate A/S R’ Yosef Zimbal 

5 B”M Lutzk A R’ Zalman Sorotzkin 

6 B”M Nachlas Yaakov A R’ Avroham Kammer 

7 Columbus Avenue Shul A R’ Aharon Berl 

8 Lubavitch of Lakewood Ari R’ Nochum Grunwald 

9 Khal Zichron Yaakov A R’ Shlomo Gissinger 

10 Sunset Sephardic Minyan EM R’ Yitzchak Semah 

Ricky Ln 

Grant Ave 

Fillmore Ave 

12th Street 

Cedar St 

Cedar Dr 

Pine Park Avenue 

Coll St 

Chicanos Dr 

Main Street 


South Clifton 

Ave 

Hurley 


3rd Street 

2nd Street 

1st Street 

Sharon Ct 

John Street 

Carlton Avenue South 

C 

Strauss St 

Cedar Row 

Central Court 

Carlton Ave 

Glen Avenue South 

Dr 

Glen Ave 

Elliot Street 

Carol St 

WaldenAve 

Chicanos 

Kimberly Dr 

Roselle Court 




Regent Dr 

Parkside Dr 

Oak Knoll Rd 

Iris Road 




Oak Street 

Warren Street 

Howard Dr 


Neal Court 


Steckler St 

Ashley Ave 

Cathy Lane 


prospect 

Sports 

Complex vines 

Vine Street 


Alder St 

Ned Dr 

e 

Monmouth Av 

Ashley Avenue 

Marc Drive 

Marc Drive 

Wynatt Drive 

r 

E. 6th St 

Canterbury Road 


Cardinal 

Court 

Park Ave 


Tuxedo 

Ter 

Tanglewood La 

Arbutus Dr 

Autumn Road 


North Lake Dr 


Cypress Avenue 

12th Street 

Carey Street 


10th Street 

Ford Ave 

6 

7 

Teaberry Court 

Laurel Ave 

Center Street 

Lois Lane 

10th St 


Chalet 

Terrace 

Arboretum Pkwy 

Tuxedo Ter 

Georgian Terrace 

Case Rd 


Case Rd 

Elm Street 

Vine Avenue 

Robin Drive 


Regent Dr 

Brill St 

Ridge Ave 

Woehr Avenue 

Bruce St 

Hearth Court 

James Street 

North St 

14th Street 

Vine Street 

Summer Avenue 


Regent Dr 

Fernwood Ave 


Monterey 

Hillridge Pl 

Powderhorn Dr 

Level Lane 

Park Avenue 

Brittany Ct 

Laurelwood Ave 


West County Line Rd 

Oakwood Ave 

Georgian Court Colleg 

North 

Lake D 

r 


Flintlock Dr 

West Kennedy Boulevard 

e 

Cedarview Ave 


Valley Dr 

Central Ave 


South Lake Dr 

Lakeview Dr 

central 

A Country Place 

avenue 

Read St 

Vine Street 

Arlington Ave 

John Stree 


t 

Wynatt St 

Daniel Dr 

ue 

ve 

11th St 

Lawrence Ave 

9th Street 

8th Street 

Melville Ave 

8 


Coles Way 

Towers Street 

E. 7th St 

E. 5th St 

Caranetta Dr 

Myrtle Place 

Pinemere Ave 

Sunset Road 

Murray Street 

Heathwood Ave 


Powderhorn Dr 

new england 

village 

Funston 

St 

prospect 

park 

Pearl Street 

Whitmore St 

Hackett St 

St 

Cornelius St 

Dewey Avenue 

Spruce Street 


Ridge Ave 

South St 

Rosebank St 

E. 4th St 

Laurel Avenue 

Clover Street 

Pine Street 

Bellinger Street 

Leonard St 

Nowlan Pl 

Liberty Dr 

East End Ave 


10 

Yesodei Court 

Manetta Ave 

Clover Street 

Ridge Avenue 

E 5th St 

School St 

Bergen Avenue 

9 

Lapsley Lane 


Edward 

Park Terr 

Ella Clark 

Elementar 

School 

Holly Street 

Caranetta Dr 

Freedom Dr 

Omni Ct 

AlbertAvenue 

Elaine Street 

Terr St 

Ardenwood Ave 

9t 

Cedar B 

No 

Kim 

Lake 

Commonwealth 

Evian C 

Sylvan Ct 

Marlin Avenue 

NY Ave 

Canary Drive 

E. B 

Avenue of t 

Summit C 

C

Hoover Ave 

ball Road 

h Str 

Manetta 


t 

t 

eet 

Private Way 

Forest Avenue 

rth Lake Dr 

Dr 

Coral Avenue 

e 

y 

abinfield 

Circle 

Stirling Ave 

ergen Ave 

ridge Avenue 

he States 

Davis Road 

Bradshaw Rd 

South Street 

East Kennedy 

Boulevard 

15th Street 

13th Street 

Oa 

12th Street 

NorthLake Dr 

Freeman Rd 

James Street 

Birch Street 

Henry Street 


Kimball 



Hampshire Avenue 

ena Ln 

Somerset Ave 


1 Khal Yaakov Akiva S R’ Noach Witty 

2 B”M of Raintree A R’ Yedidya Pereira 

Lakewood 

High 

3 

School 

Khal Ohr Yaakov S R’ Moishe Tzvi Danziger 

4 Lakeview Place Shul A 

8th Street 

Cedar Court 

6th Street 

5th Street 

14th Street 


Manetta Place 


Hudson Street 

Courtney Road 

Carey Street 

7th Street 

Cedar St 


High St 


rassmere Ct 

12th Street 

9th St 

4th Street 

South Clifton 

Ave 

Main Street 

Ave 

Hurley 

East Kennedy Boulevard 


3rd Street 

2nd Street 

1st Street 

Sharon Ct 

Washington Pl 

John Street 

Warren Street 

Howard Dr 


Neal Court 

Carol St 


Alder St 

Ned Dr 

e 



14th Street 

Monmouth Av 

Ashley Avenue 

Marc Drive 

Marc Drive 

Wynatt Drive 


Steckler St 

r 

Ashley Ave 

Cathy Lane 

Berkowitz 

Ave 

13th St 

12th Street 

Carey Street 


10th Street 

E. 6th St 

Park Ave 


Shafto Ave 

Laurel Ave 

Center Street 

Lois Lane 

10th St 

Arlington Ave 

John Stree 


t 

Wynatt St 

Daniel Dr 

Read St 

11th St 

9th Street 



Elm Street 

Melville Ave 

Lawrence Ave 

Vine Avenue 

Ridge Ave 

Vine Street 

Squankum Road 


Woehr Avenue 


Astor Dr 

Bruce St 

Joda Dr 

North St 

Coleman Ave 

E. 7th St 

Pearl Street 

Milton St 

Harvard St 

Park Pl 

Whitmore St 

Hackett St 

Park Avenue 

E. 5th St 

Apollo Road 

Apple St 

Cornelius St 

Dewey Avenue 

Spruce Street 


Nowlan Pl 

Ridge Ave 

South St 

Leonard St 

Rosebank St 

E. 4th St 

Laurel Avenue 

Clover Street 

Pine Street 

Baila Dr 

E. Harvard St 

East End Ave 

new 

ocean 

england 

pointe 

lakeview 4 village place 

8th Street 

Over the past few years, Route 88 experienced 

a development surge, as duplexes 

go up to join the existing developments, 

such as Lakeview Place (3 BR townhouses), 

Ocean Pointe (4-5 BR townhouses), 

and Ocean Place (3 BR townhouses with 

finished basements and rough attics). 

Further north, frum settlement is less 

dense, with pockets of frum homes on 

Medina, in the townhouses of Tamarind 

Park, and in the single family homes of 

Red Oak and White Oak. 

k S 

treet 


Lakewood 

Middle School 

Ridge Ave 

Lakewood 


Recreation 

Grounds 


Lake 

Shenandoah 

County Park 



Read Place 

Towers Street 

Cherry Street 

Stadium Way 


The most populous neighborhood in 

Lakewood’s northeast corner is Raintree, 

To 

Brook Road 

Brook Road 


Lake 

Shenandoah 

woods @ 

Cedarbridge 

Stadium Way 

Towbin Ave 

Paco Wa 

America Ave 

FirstEnergy 

Park 

Blvd of the Americas 

Ridge Avenue 

America Ave 

Oberlin Avenue South 

Ocean County 

Park No. 1 

Ocean Avenue 

Waterview Drive 

Vasser Avenue 

Towbin Avenue 

Gefen Dr 

Remon Ln 

Ocean County Park 

Dr Szold Way 

South Branch Ave 

cedarwood 

Hills 


Kenyon Drive 

Vasser Avenue 

Ai 

Shemen Ct 

Jessica Court 

Ridge Avenue 


Jessica Court 

Michele Way 

Ocean Ave 

Swarthmore Ave 

Bennett Bou 

Manetta Ave 

Clover Street 

Ridge Avenue 

E 5th St 

Twin Oak Dr 

School St 

Bergen Avenue 

Park Terr 

East County Line Rd 

Ridge Avenue 


Ella Clarke 

Elementary 

School 

Holly Street 

Arosa Hill 

Belvedere Ln 


Lakewo 

East Kennedy Blvd 

Park Terr St 

NY Ave 

Canary Drive 

Larrabees 

Woodlake 

Country Club 

Cabinfield 

Pinehurst Dr 

Circle 

Stirling Ave 

E. Bergen Ave 


Ridge Aven 

Somerset Ave 

Milano Dr 

Lakewood 

High School 

Somerset Ave 

Sienna 

Way 


Lakewood 

Middle School 

Ridge Ave 

Lakewood 


Recreation 

Grounds 


Cherry Street 

Engleberg Ter 

Lake 

Shenandoah 

County Park 


Brook Road 

Lucerne Dr 

Stadium Way 

Brook Road 


ue 

Arosa Hill 

Lake 

Shenandoah 

Stadium Way 

America Ave 


rlin Avenue South 

Ridge Avenue 

where a vibrant young mix of families are 

finding a variety of houses, some now as 

low as mid $300’s, as well as the occasional 

tear-down. Lots are large, but some 

of the older houses will need work. This is 

one area where prices have remained stable, 

and even dropped, in some cases. 

Airport Road 

Long Beach Ave 


Lanes Mill Road 

Laguna Lane 

America Ave 

New construction projects have recently 

begun to line Cedarbridge, from the duplexes 

of Cedarwood Hills ($500s) to the 

FirstEnergy 

Park 

Woods @ Cedarbridge (private homes 

from the $600s) through Hampshire 

Heights (duplexes). 

Airport Road 

levard 

Oberlin Avenue North 

Paris Court 

Woodlake 

Manor Dr 

Medina Rd 

medina road 

Gold Avenue 

Lehigh Ave 

Bennett 

Boulevard 

Boulevard 


Airport Road 

Joe Parker Rd 

Energy Way 

in 

Dr 

ian Street 

Joe Parker Rd 

Merlin Drive 

Cedarwood Dr 

Denby Avenue 

Long Beach Ave 

Spyglass Blvd 

Swarthmore Avenue 

Rutgers Blvd 

Hermosa Dr 

Carmel Court 

County Line Road East 

Ave 

1 2 

Alvarado 

Brookfield Dr 

Forsgate Way 

Cindy Ct 

Sean Ct 

Newport Dr 

raintree 

3 

Eldorado Dr 

Map 5 

Bay Hill Rd 

MalibuDrive 

Laguna Lane 

Joe Parke 

Jumping Brook Dr 

Newport Drive 

Rockaway Roa 

Redondo Lane 

r Road 

Remon Ln 

Brook Roa 

East Cou 

Ocean Coun 

Park No. 1 

Ocean Avenue 

Waterview Drive 

Hidden 

Hidden 

Lane 

Barrymore Dr 

Caro 

Alamitos D 

Gefen Dr 

Rutgers Boulevard 


Ocean 

Sout 

North 

Maplewood Drive 

Oberlin Ave

ood Dr 

rd 

ane 

d 

ine Lane 

urt 


Woodbi 

Lane 

ne 

ymor Co 

ourt 

Brill St 

James Street 

Ivy Hill Rd 

Hearth Court 

Summer Avenue 

Ivy 

Rd 

Hill 

Massachusetts Avenue 

cust Manor 

Powderhorn Dr 

Level Lane 

erts 


Flintlock Dr 

Enclave Blvd 


Powderhorn Dr 

new england 

village 

Liberty Dr 

Sunset Road 

beacon ridge 

Morris Avenue 

Roberts 

Cross Street 

Murray Street 

Edward Dr 

Claremont Court 

Jenna Court 



Honey Locust Drive 

Roberts Road 

Rd 

Roberts Rd 

Robe 

Blue Jay Way 

North Dr 

5 

hearthstone 

ClaireDr 

Map 6 

d 

1 


Roberts 

Netherwood Dr 

Freedom Dr 

Bellecourt Blvd 

Elaine Street 

Summit Ct 

Biltmore Ave 

Lake Manetta 


Evian Ct 

Omni Ct 


williams 

Street 

Sylvan Ct 

Chateau Dr 

Finchley Boulevard 

Tova Dr 

Walnut Ave 

Charming Way 


Chateau Drive 


Cross St 

James Street 

Locust Street 

Kimball 


Courtier Street 

Lakewood Rd River Avenue 

Birch Street 

Henry Street 



Rena Ln 

Cedar Court 

sterling 

place 

sterling 

forest 

Hadassah Ln 

Gila Pl 

River Avenue 

Hekel Rd 

Ricky Ln 

Shilo Rd 

Pine Blvd 

chateau 

park 

elmwood 

village 

chesterfield 

commons 

charming 

way 

Taft Ave 

Truman Ave 

Roosevelt Ave 


Amherst St 

Evergreen Avenue 

Manetta Place 


High St 

Rutgers Dr 

Rider St 

Yale Drive 

Grassmere Ct 

Windemere St 

Donna Dee Court 

Grant Ave 

Idalia Avenue 

ill Lane 

Fillmore Ave 

presidential 

estates 

Tiffany Lane 

Cedar St 

Sharon Ct 

high 

street 

6 

2 

Ford Ave 

John Street 

Chestnut Street 

Fiddlers Run 

Mackenzie Ct 

Howard Dr 

Carol St 


Sports 

Complex 

North Maple Ave 



Oak Street 

Warren Street 


Neal Court 

Vine Street 

Ceil Court 

Anthony Court 

chestnut 

Hickory Court 

Crystal Mile Court 

Alder St 

Ned Dr 

Salvatore Dr 

Ashley 

Cathy Lane 

Manor Drive 

Mountain View Dr 

Ashley Avenue 

Marc Drive 

Marc Drive 

Wynatt Drive 


Coughlin Street 

Deer Path 

Center Street 

Lois Lane 

venue Vermont Avenue 

Read St 

Vine Street 

Arlington Ave 

John Stree 


t 

Wynatt St 

Daniel Dr 

Vermont Avenue 

harmony park 

vine park 

north maple 

forest PArk 

4 

arlington 

spruce 

oak & vine 

8 

33 

7 

2 


Elm Street 

Melville Ave 

Royal Sire Court 

stry Court 

Vine Avenue 


Coles Way 

Vine Stree 

Towers Street 

Funston 

Caldwell Ave 


ay 

St 

Woodbine Lane 

Spruce Street 

Patriots Way 

Patriots Way 

Locust Street 

Clover Street 

Pine Street 

somerset walk 

Yesodei Court 


utumn Dr 

Liza 

Circle 

Robyn 

AlbertAvenue 

Swiss Mountain Dr 

Isabella Dr 

D 

Canary Drive 

Marlin Avenue 

stamford 

meadows 

Belgian Hill Rd 

swiss 

mountain 



albert 

avenue 

Coral Avenue 

South Street 

Salem S 


Oa 

treet 

k S 

Rea 

Towers St 


treet 

Pine 

Lucy Ro 

Colleton Str

h 

Cambridge 

Court 

JadelawnsDr 

ive 

Dr 

e 

Hoover Ave 

rown 

OldTomsRiver Road 

rkDrive 

r 

Em 

Shenandoah 

County Park 

Along the Route 9 South corridor, it can 

feel like one enters a new neighborhood 

every few hundred feet. 

Route 9 is lined on either side with 

townhouse developments. A standard 

model 5 BR townhouse will often cost 

between $400-450k; some newer ones, 

especially with attics, like Stamford 



d Place 

reet 

Stadium Way 

FirstEnergy 

Park 

NAME UNITS SEPARATE 

BASEMENT 

Stadium Way 

Charming Way 1500’ TH n 

Meadows, can be upwards of $500k. 

New chassidish hubs are also growing at 

Lakewood’s southern tip, with Harmony 

Park and its adjacent areas around 

Locust serving Belz, and a new Satmar 

development in the planning stages on 

Cross Street, backing onto Chesterfield 

Commons. 

rav 

Chateau Park 2300-2600’ TH y A: R’ Yisroel Reisman 

S: R’ Moshe S. Wosner 

Chesterfield 

Commons 


2500-2600’ TH y A: R’ Yitzchok Oelbaum 

OTHER 

mixed chassidish/ 

litvish 

Elmwood Village 2400-2500’ y A: R’ Rephael Kops exit on Rt 9 or 

Cross 

Forest Park 1600-2000’ TH some A: R’ Nachum Eisenstein earliest built 

Harmony Park 2000’ TH y S: R’ Pinchos Wind Belz 

Towbin Ave 

America Ave 


Presidential 

Estates 

America Ave 


aterview Drive 

Vasser Avenue 

Towbin Avenue 

Dr 

South Branch Ave 


Kenyon Drive 

Vasser Avenue 

J 

Michele Way 

2400’ TH 

3500-3800’ SF 

Ocean Ave 


Oberlin Avenue North 

y 

Gold Avenue 

Pineh 

Lehigh Ave 


Airport Road 

Energy Way 

Airport Road 

Denby Avenue 

A: R’ Yakov Lazewnik 

S: R’ Shlomo Lowy 

Swarthmore Avenue 

Rutgers Blvd 



ill Ro 

M 

Lanes 

(continued on page Map 12) 


Maplewood Drive 

Parkw 

ayDrive 

e 

B 

Towns 

Sc 

Ashwood Drive 

North Maplewood Driv 

SprucewoodDrive 

Redw 

Cottonwod 

FrancisRoad 

Regency Estates 2400-2700’ TH y 

Stamford Meadows 

Towbin Avenue 

Paco Way 

Airport Road 

Airport Road 

y 

Sterling Forest 2500’ TH, DP y S: R’ Chaim Meir Roth many chassidish 

Corporate 

Rd West 

Gusmer Dr 

Bennett Bou 

Sterling Place 2500’ DP y A: R’ Chaim Hendler 

levard 

Bennett 

Boulevard 

Bennett Boulevard 

C 

Vine Park 2600’ TH y 

Plymouth Drive 

1 Cong. Williams Street A R’ Moshe Chaim Kahan 

Birch Bark 

Dr 

Valley Way 

Lakeside 

Terrace 

Bir 

Newcastle Court 

Arc 

Lane 

eet 

ad 

Acres 

Erica Road 

Ronald Road 

Jeffrey Street 

2 Kehillat Etz Chaim EM R’ Ezra Zafrani 

HuntingtonDrive 

Eisenhower Street 

ive 

Buckingham Dr 

McArthur Street 

Dorchester Dri 

Lake Waddill 

3 B”M of Arlington A R’ Dov Kahan 

4 Spruce Street Shul A R’ Pinchos Brody 

Stark Street 

ve 

Canterbury Cour 

t 

Buckingham Drive 

5 Kehillas Hearthstone A R’ Zechariah Wiesenfeld 

Sterling 

Court 

Edinburg 

Lane 

6 Chestnut Shul S R’ Yosef Greenfield 

Farrington 

Court 

7 Shaarei Tefillah S R’ Sholom Babad 

Marshall Street 

Acre 

vard 

Alpha 

Court 

g Meadow Drive 

Greenlawns Drive 

rive 

n D 

w 

ng 

wDr 

Meado 

Spri 

ummerwinds 

Dr 

S 

Spring Meadow Dr 

Kramer 

Court 

Arlene 

rt 

prings 

April 

Ct 

Jop s h 

Cou 

Sailor 

Martine 

Way 

s 

Way 

Jean St 

Nicole 

Court 

Lions He 

ard 

ad 

Boulev 

our sns Dr 

Crown Circle 

Deanne 

Dr 

Topaz Lane 

8 B”M 

Leisure 

Zichron 

Village 

Meir A yeshiva with periodic off-Shabbosos 

Green 

Willows Dr 

SilverlawnsDr 

AmberwindsCt 

FourSeasons Dr 

Shorrock Street 

C e Circl 

Map 7 

ShorrockSt 

Seasons 

Four 

Dr 

i h Ba 

B c 

Crystal Dr 

WindingWay 

Sloping Hill 

Windi 

ng 

t 

Cour 

Crestview 

Mulberry Place 

Timberline Place 

Birch Bark Drive 

Lane 

Terrace 

Dogwood Drive 

Verm 

Lake 

rt

Rena 

Co 

South Hope Chapel Road 

Linda Drive 

Jenny 

Lane 

Beyond lakewood 

Jessica Court 

LindaDrive 

Kevin Court 

ssi Court 

White Road 

Maplehurs 

t Avenue 

Wens 

Ro 

Neiman 

Deklab 

Ave 

Atlantic Ave 

As Lakewood’s population explodes, more and more home buyers are looking 

past the township borders towards greener pastures — or at least less crowded 

ones. Rising real estate prices in Lakewood, coupled with increased crowding and 

Lakewood’s relatively high property tax rate, have spurred growing South interest Lakewood in Lakewood’s 

neighbors to the west and south: Jackson and Toms River. 

Belnair Avenu 

Bellevue Ave 

nue 

Laurel Avenue 

Pinehurst A 

venue 


Franklin 

Boulevard 

James Street 

West Cross Street 

issance Blvd 

Devereux Drive 

Lexington Cou 

Primrose Lane 

Lane 

Camelia 

rt 

Gramme Aven 

Sterling Ave 

Edison Avenue 

Franklin Avenue 

Madden 

Renaissance 

Education Country Club for busing students from their town into 

issues. Some people successfully Holly Oaksobtain bus stops, 

Park 

Renaissance Bo ulev ard West 

ce Dr 

Renaissance 

Dr 

Ave 

ll Road 

ue 

Westinghouse 

Luther Drive 

Delpine 

Rd 

Green Acr 

Luther 

Dr 

es Road 

trum Ave 

Street 

FaradayAvenue 

Cleveland 

St 

Bellevue Ave 

Buying a home outside of Lakewood often affords the buyer more house and land 

for Whitesville their money, as the prices of these areas have not yet been driven up by demand 

from the frum community. Property tax rates in Jackson and Toms River are a 

full .5% lower. Additionally, just like Lakewood of years past, these communities are 

suburban, quiet, and have little congestion, offering superior quality of life. These 

same advantages can be disadvantages too, though, as these areas are further 

Eagle Ridge 

from the schools, shuls and shopping of Lakewood itself. Golf Club 

Blvd 

Renaissance 

Florence Drive 

El Greco Dr 

Beaumont Ct 

Blvd 

Renaissance 

Dunrovin Court 

Belv 

Tusc 

edere 

Dr South 

Ct 

Kensington R 

Moet Ct 

Modena 

any Cir 

Mariner Ct 

Esplanade Dr 

d 

Renais 

ProvenceDr 

Halsted Dr 

Xavier C 

Daulton 

Dr 

vd 

sance Bl 

Renaissance Blvd 

ourt 

Ambass 

Dr 

Loire Ct 

Halsted D 

ador 

r 

Renaissance Blv 

anCt F lori 

d 

Comich 

Ambassa 

e Ct 

dorDrive 

Drayton 

Rd 

Como Ct 

Staffo 

Dr 

Elea 

Arcadia 

Dr 

rd 

d 

nor R 

Wycl 

Chambord 

Dr 


Eleanor Road 

Eleanor Road 

Eleanor Road 

DraytonRoad 


iffe Dr 

DanteDr 

Hemloc 

Brandon Rd 

Huckleberry Road 

k Lan 

Anj 

Bel 

ou Ct 

Vecchio Rd 

lagio 

Ct 

Ct 

Anjou 

i 

WeldonRoad 

Verona 

Dr 

Rossin 

Rd 

Dante Dr 

Luther Dr 

Weldon 

Rd 

Woodland Road 

Seameadow 

Ave 

Seameadow 

Ave 

Brentwood Dr 

Brandon Road 

SteinerRoad 

Plant 

Ave 

e 

Manchester 

Forest Rd 

Avenue 

Reynolds 

Ave 

Esti Circle 

Ave 

Brower Ave 

Reynolds 

Robin Lane 

Clear Lake 

Boulevard 

Terry Ln 

Grassy Hollo 

Shelly St 

Stewart Avenue 


w Drive 

Dover Pines Ave 

Fireside Boulevard 

th 

Vicari Ave 

Lane 

Forest Circle 

Norma Place 

Schley Avenue 

Springer 

Lane 

Deep River 

Clear Lake 

Blvd 

Arthur St 

Lenox St 

Audrey Ave 

McClellan Ave 

Hearth Way 

Warner Way 

Serene Way 

Floral Way 

Aviary Way 

Rock Hill 

Ln 

S 

Vicari Avenue 

Dillon Lane 

Fieldcrest Lane 

Danbury Ln 

Forest Circle 

Forest 

Circle 

Dillon 

Court 

Forest Circle 

McPherson Street 

Warner St 

Mackenzi 

Skyline Drive 

Skyline Drive 

trawberry Lane 

Crestview 

Lane 

Lenox Street 

Evans Ave 

Augusta Boulevard 

While some of this infrastructure may come with time, local residents and zoning 

boards often resist the encroachment of Jewish institutions. “Jackson Strong” and 

“Toms River Strong” signs urging locals not to sell out are a familiar sight. While 

most neighbors are courteous and polite to whoever behaves in kind to them, it is 

worthwhile to verify to the best of one’s ability that the nieghbors near a prospective 

home are respectful and not hostile. 

Aside from the comforts of feeling welcome, other issues 

to consider include: 

• Community infrastructure: As of this printing, no 

shuls have been approved in either Jackson or Toms 

River. Additionally, no mikveh is on the horizon in 

either town. 

• Construction permits: In Lakewood, it’s unfortunately 

too easy to fall into sloppy habits regarding 

permits and other building ordinances. Exercise 

care to hire contractors who are well-versed in the 

appropriate building codes and will adhere to the 

letter of the law while executing your project. 

• Transportation: When trying to obtain busing 

to Lakewood schools, students who live in other 

towns have met with varying degrees of success. 

The township reimburses the Lakewood Board of 

Lakewood schools; in practice, there are sometimes 

while others bring their children to the nearest stop 

Map 8 

(continued on page Map 10) 

tallymawr 

estates 

Skyline 

Fairways 

walden woods 

Mackenzie 

Drive 

nt 

Oakmo 

Rd 

Blvd 

Brittany Lane 

Torrington Drive 

Morningdale Blvd 

Skyline Drive 

Yale Avenue 

Camino Verde 

Camino Roble 

Down Hill Run 

Lake Ridge 

Skyline 

Skyl 

Meadow Lak 

Spring 

Hill Roa 

Bl

wo 

Drive 

Blvd 

Foxwood Road 

ark Lane 

Fairways 

e Dr Rockport 

d 

Meadow Lake Drive 

Lane 

Morningdale 

Toms River 


Tallymawr Estates, on the western end 

of Toms River near Jackson, has a core of 

40 families, many of them young professionals. 

Houses start in the low $500’s 

and climb from there, and are rising as 

it becomes more desirable to frum buyers. 

It is only about 30 minutes by foot 

from the Faraday Ave. shul in Lakewood. 

Just a few minutes’ walk from Tallymawr, 

Walden Woods, still in the $450’s, is already 

home to nearly 10 frum families. 

Across the border from Lakewood, along 

Toms River’s North Maple and Vermont 

Ridgemont 

Court 

Rosewood 

Sandhurst Road 

Sunnybrook Ln 

Deer Chase Lane 

Foxwood Rd 

Crisfield Street 

Dr 

Boulevard 

Foxwood 

Rd 

Woodbine Ln 

F 

Summer Av 

Massachusetts Avenue 

enue 

Lane 

Cross St 

Pamiano Way 

Murray Street 

Honey Locust Drive 

Elaine Street 

Edward Driv 

Netherwood Dr 

Bellecourt 

Boulevard 

BiltmoreAve 

Evian Ct 

Omni Ct 

Williams Stre 

Sylvan Court 

Summit 

Court 

et 


Cross Street 

Chestnut St 

River Avenue 

Courtier Street 

Locust Street 

Birch Street 

Henry Street 


Toms River’s burgeoning frum population enjoys the warmth of community and the 

large, more upscale homes that are common in the area. Often situated on an acre 

Kimball 


of property, houses frequently sell for upwards of $600k, but deliver more house 

per dollar than Lakewood homes. 

Ivy Hill Rd 

Ivy Hill 

Rd 

Locust Manor 

Enclave Blvd 

Enclave Blvd 

Monticello Ln 

Avenue 

Morris 

Enclave 

Blvd 

Nor 

th Dr 

thstoneDr 

H ear 


HearthstoneDr 


Claire 

Dr 

Claremont 


Court 


Jenna Court 

Claire Dr 

Quail Ct 

Bennington Ln 

Enclave Blvd 

e 

Chateau 

Dr 


Chateau 

Drive 

Finchley Boulevard Ford 

TovaDr 

Charming Way 

West Spru 

ce St 

Cedar Court 

Taft Ave 

Gila Pl 

Hadassah Lane 

River Avenue 

River Avenue 

Shilo 

Rd 

Henkel Rd 

Ricky 

Lane 

Tova Drive 

Rena Ln 

Hadassa 

Lane 

h 

Pine B 

oulevard 

Ave 

Truman 

Ave 

Roosevelt A 

Seven Stars 

venue 

Amherst 

St 

Yale Drive 

Evergreen Avenue 

Cedar 


High Street 

Grant 

Ave 

Idalia Avenue 

East Spruce Str 

eet 

Carol 

St 

Cathy Lan 

e 

avenues, there Spruce is a Gardens growing heimish and 

chassidish presence alongside the litvish. 

Some in the diverse, mostly working 

crowd daven in the Belz shul in Lakewood, 

while others daven in the multiple choices 

in Toms River. Aside from the many young 

people, there is a middle-aged contingent 

as well, some coming from Lakewood, as 

well as many New York area expatriates. 

Carol St 

reet 


Vine Street 

Spruce Str 

Mackenzie is one of the newer neighborhoods 

just 


Sports 

starting to attract fum buyers. 

Complex 

With no minyan yet, there are many 

homes available in the mid-$400’s. 

Rutgers Dr 

Rider St 

Tiffany Lane 

Sharon Ct 

Ford Avenue 

Fillmore 

Ave 

Mackenzie Court 

Howard Drive 

Neal Court 

Oak Street 

McKenzie Court 

Vine Street 

Ceil Court 

Anthony Court 

Jennifer Dr 

Manor Drive 

Mountain View Dr 

Isabella Dr 

Ned Dr 

Chestnut Estates 

Marc Drive 

A 

Marc Drive 

Wynat 

Coughlin Street 

Wynatt St 

Daniel Dr 

Read St 


Vine 

Washington Aven 

ue 

Coles Way 

Towers Street 

Caldwell Ave 


Funston 

St 

Woodbine Lane 

Patriots Way 

eet 

Locust Street 

Pine Street 

Yesodei Court 



Liza Robyn 

Circle 

AlbertAvenue 

Marlin Avenue 

Aven 

Canary Drive 

Windham C 

t 

vd 

Mobile Lane 

Fortune Court 

Ward 

Ave 

Raymor Co urt 

Lakewood Corner 

Lake 

Rainbow Way 

LAKEWOOD 

Donna Dee Court 

Clover Hill Lane 

Ann Road 

Fiddle rs Run 

Hickory Street 

Starc Road 

Ronda Rd 

Crystal Mile Court 

North Maple Avenue 


Windham Ct 

Sheppard Ct 

Royal Sire Court 

north maple/ 

vermont 

e 

Tapestry C ourt 

Rolls Court 

Tiiu Court 

South Tiiu 

Court 

Big Enough Way 

Arvell Street 

nue 

Maple Manor Ct 

Longest Dr 

Map 9 

Braden Court 

Autumn Dr 

Bridport Drive 

S wiss Mountain Dr 

Isabella Drive 

curt 

o 

d 

Belgian Hill Rd 

Hanna Dr 

Hunters 

Court 

Tamara 

Court 

Hampshire HillsBoul 

Q 

P 

Agincourt Roa 

evar

s 

Rd 

e 

Jackson 

Denise Dr 

Place 

Gardinia 

Rose Drive 

e Pl 

Periwinkl 

ace 

Nicole Court 

Butterfly Road 

SunflowerDrive 

Magnoli 

a Dr 

Beam 

Tilford Street 

ridgeRoad 

Willow Drive 

Willow Drive 


Ocean Ave 

Georgian Boulevard 

Avenue 

Baltesrol R 

BeaconStreet 

N 

orth 

Bennetts Mills Road 

Goldweber Avenue 

Pine Hill Street 

Merion Rd 

Cooks Bridge R 

Laurelton Ave 

Hickory Rd 

Medinah Court 

Jackson is home to increasing numbers of frum families in a wide variety of neighborhoods. 

It offers everything from affordable starter homes to stately mansions, with 

all kinds of neighbors. 

Brookwood I and II, north of County 

Line near NPGS, are home to about 

75 frum families. The mostly capes 

and some ranches and bi-levels that 

populate this area range in size from 

about 1300-1800 square feet. With prices 

ranging in the upper $200- to low 

$300’s, many young yeshivish families 

are purchasing their first homes in this 

area. The nearest formal shul is in the 

Pawnee area, a 15-20 minute walk. 

Brookwood III, also known as Villanova, 

across County Line, is the closest Brookwood 

neighborhood to Lakewood, with 

similar houses to the others, but with a 

larger number of colonials. Brookwood 

IV, while the furthest out, is beginning 

to gain traction among both resident 

owners and investors. 

Just a bit further north, Harmony Farms 

(already about 40 families) and Oakley 

Hill are growing as well, and offer larger 

houses in a variety of layouts, including 

colonials and split levels. 

Green Valley features a wide range of 

home types. One can easily find larger 

Beyond Lakewood (continued from page Map 8) 

homes on sprawling properties, many 

covering more than an acre, with a price 

tag of $500k or more, while further 

down the same block one might find a 

cheap tear-down. A more rural neighborhood 

with an out-of-town feel, it attracts 

buyers spanning a range of ages, 

stages, and walks of life. Aside from informal 

minyanim, the area is an easy 1.5 

mile walk from Westgate. 

Spyglass Drive 

Muirfield Rd 

St Andrews 

Muirfield 

Rd 

Pine Valley Rd 

P 

Turnberry Plac 

ebb 

Long Bay 

Rd 

CypressPoint Lan e 

ach 

d 

Be 

Boulevar 

P 

Kings 

North Rd 

Muirfield 

Rd 

ebbl 

Bou 

ake 

Mer 

Pine L 

Circ 

Cypress 

Point Lan 

le 

PineLa 

e 

e Beach 

levard 

d 

ion la 

Pine Valley Rd 

ypress Point 

Lane 

C 

North CooksBridgeRoad 

Poplar St 

Ocean Avenue 

Castle Ave 

Further east, Flair is gaining popularity. 

The crowd is diverse in age, and there a 

variety of house styles available, some 

very large but most more average in 

size. Well over a minyan of families already 

call Flair home. 

As far east as Flair but further south, 

Meadow Run and surrounding blocks, 

such as Owl, Blue Heron, and Mimi, are 

seeing a lot of sales. The upscale houses 

in this area go for $600k and up. Further 

south, around Melissa Lee and nearby 

streets like Pitney and Daniel, prices are 

lower, starting in the $500’s, with less 

oversized houses. 

in Lakewood. Check with neighbors to see how they have accommodated themselves 

to the situation, and check if the school to see if they can help you arrange 

your busing. 

Kings Nort 

h R 

keCircle 

oad 

Merion la 

rial Drive 

Kierych Memo 

Congressional Road 

Wild Dunes Way 

Oakland Drive 

Merion Ln 

e 

Baltusrol Driv 

Medinah 

Westlake Blvd 

ElmS 

Manhattan Stree 

La 

Cou 

Wi 

Westlake 

Country C 

D 

Oakmont L 

Barton Creek Rd 

Sawgrass St 

• Student services: Every town will provide its children with the services they 

need, but will not necessarily do so in a neighboring town’s schools. This is an 

area that has yet to be tested and confirmed. 

Wild 

Map 10 

Court 

Westlake 

Westlake Court

ourt 

P 

P 

Miller Road 

t 

Cypress Ave 

t 

Penny 

ne 

rt 

lub 

Lakeview Dr 

Bennetts Pond 

Poplar St 

Maple St 

owing Ln 

ane 

North Avon Drive 

nged Foot Rd 

Pine Lake Circle 

Shoal Rd 

Wild Dunes 

Way 

Maple Street 

Dunes Way 

Violet 

Lane 

Elm St 

Cedar Lane 

South Cooks Bridge Road 

Lakeview Drive 

60 Acre Blvd 

Forest Hill Ave 

N. Lakeside Ave. 

London Drive 

Arthur Ct 

Thatcher Blvd 

South Avon Drive 

Oakmont Lane 

Crooked Stick Road 

Bay Hill Road 

Pinecrest Ave 

Bluebell Dr 

Begonia 

Court 

Locust Ave 

County Line Rd 

Laurel Ave 

N. 

Bennetts Mills Rd 

60 Acre Blvd 

Birmingham Drive 

South Baker Drive 

Rumford 

Court 

Crooked Stick Road 

flair 

Ridgedale Rd 



Owl Court 

Gail Chambers Road 

Sams Road 

Chelsea Road 

Winchester Drive 

Cambridge Drive 

meadow run 

Meadow Run Court 

Bennetts Mills Road 

Reve 

Court 

Bennetts Mills 

Chelsea Road 

Oxford Road 

Meli Lane 

Yorkshire Drive 

Bridge Court 

Bridgewater Court 

New Castle Court 

Chelsea Rd 

Liverpool Court 


Eva 

Court 

Nature Boulevard 

Cambridge Drive 

Blue Heron Dr 

t 

Mimi C 

Spectrum Court 

Bear Trail 

Brewers Bridge Road 

Villanova Drive 


Danielle 

Court 

Kathleen 

Pitney Lane 

Bates Road 

Plasner Court Dorch e 

County Line Road 

Dartmouth Drive 

Rutger s Road 

Drive 

Adelphi 

Villanova Drive 

Lehigh Blvd 

Brookwood Iii 

Princeeton Drive 

Fordham Rd 


Black Oak Road 

Jackson Pines Road 

Drexel Drive 

Jackson Pines Road 

Glen Road 

Ryan's Wa 

green valley 

Solar Ave 

Hickory Hill Road 

County Line Road 

Hickory Hil 

Christopher Columbus Blvd 

Delaware Trail 

Metedeconk Trail 

Clearstream 

Rd 


Florence 

Court 

Denmark Lane 

Hemlock 

Hill Rd 

l Rd 


Harvest 

Court 

kory Hill Rd 

New Prospect Road 

Hemlock Hill Road 


Mulberry Court 

Citadel Drive 

Melody Lane 


Ashford R 

Harmony 

Farms 

Lenape Trail 

Oak Drive 



Shonny Court 

Pointe 

w ospect Rd 

N r 

Genesse Pl 

Mohawk Pl 



Irene Court 


South e 

Steuben Lane 

Pawnee Rd 

Circle 

Bethel Church Road 

Tori Court 


Lakewood 

Pines Park 



Iris Dr 

Partree Road 

Buxton Rd 

oakley hill 

Valley Road 

Pamela Dr 

Pamela Dr 

Kelm Woods Ave 

Maplewood Ter 

New Hampshire 

IllinoisAve 

Illinois Ave 

Maryland Dr 

Louisiana Parkway 

LAKEWOOD 

McKinley Ave 

Buchanan St 

BryantDrive 

Oliver Street 

Adams S treet 

Claridge Drive 


Katie Ct 

Van Buren Ave 

Monroe La 

Brookwood iI 

Queens Court 

Van Buren Ave 

Gibson 

Valley 

ne 

Alaska Aven 

Colorad 

Louisiana Park 

Brookwood I 

Indiana Ave 

California Dr 

Oregon Avenue 

Citadel 

West Virginia 

Country Cl 

Country C 

Taylor 

Irving 

Mon 

Texas D 

Bro 

La 

Cou 

F 

Gudz Roa 

Atta 

Gudz Road 

Danille Court 

itney Lane 

Greencove Rd 

Dove MillCrest 

Melissa Lee Drive 

Pitney Lane 

Murdock Place 

May Boul 


Kingsfield Dr 

melissa lee/ 

pitney/daniel 

Hope 

l Rd 

Hillside Blvd 

Map 11 

Pressburg La 

Sanztown Rd 

le Road 

Whitesville Road

(continued from page Map 7) 

Also becoming heimish/chassidish is the 

area around the intersection of Oak and 

Vine, with many duplexes under construction. 

Within the past 10 years, Arlington’s 

smaller homes from the 1940’s – 1960’s 

have made way for large single-family 

homes and duplexes. New or newer 

houses in the area can cost $500-650k, 

with duplexes from the mid-$500s going 

up regularly. The older 1100-1400’ foot 

homes also regularly reach the market, 

with price points in the high $300’s. 

Along Pine, Pine River and Somerset 

Walk are two options for single family 

homes in development settings. While 

in Pine River houses start in the mid 

$400s for 5 bedrooms, Somerset Walk 

homes are a massive 7 bedrooms and 

cost about $600k. Pine River is home to 

a sizeable Sefardic presence. 

Hearthstone, bounded by Route 9, 

Cross, and Massachusetts, is a quiet, 

mostly yeshivish neighborhood of 

bi-levels and some ranches ranging in 

price from the high $300s to the mid- 

$400s. More recently, development has 

beugn on its outskirts, with townhouses 

such as Chateu Woods and private 

homes on Finchley. 

Albert Avenue offers some of the largest 

lots in Lakewood. The value of these 

houses is typically in the land, which 

can be worth $300-400k. 

Chestnut Estates comprises diverse 

residents, many professional, in private 

homes ranging from the mid-$300s 

through mid-$400s, with some small 

homes available for less. 

The Lakewood 


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you’d like answered; information you’d like to share about 

your neighborhood; or your general comments about how 

we’re doing, we’d love to hear from you. 

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(continued from page 55) 

If you choose not to commit to a specific 

agent, be sure to communicate that, and As in all areas of life, honesty 

explain that you are still looking around is the best policy. Be open 

and exploring different options. Do not with agents and let them 

expect the same level of responsiveness, know if you are committed to 

though, as if you had agreed to work exclusively 

with one agent. 

unfair and counterproductive 

a particular agent. It is both 

to ask agents to spend time 

Start Hunting 

on your search without 

setting clear expectations. 

On your own or with an agent, draw up a 

list of what you are looking for in terms of 

size, location, and specific features. It may also be helpful to rule out things 

that you would never consider. 

Expect to devote many days, over a span of weeks or months, to visiting houses 

with your agent. A typical buyer might visit twelve houses over the course of as 

many weeks. When visiting a house, bring along a camera to snap pictures. You 

may want to photograph areas you admire, or potential causes for concern; the 

first picture should be the front door with the address visible, so you remember 

which house the pictures are from. It’s also a good idea to jot down notes about 

each home you visit: houses begin to blur together surprisingly quickly! 

First Impressions & Beyond: 

What to Look for in a Potential Home 

Aside from the size and layout of the home, there are many other things that 

you should take note of before deciding on a home. 

• Don’t over-spend on a renovated home. While a home that is freshly 

painted or newly-decorated is tempting, keep in mind that it is probably 

cheaper to freshen up the home on your own than to pay more upfront for 

the house — and that doing so means that you’ll be the one selecting paint 

colors and carpet instead of paying for somebody else’s design choices. 

WE ARE KNOWLEDGEABLE. Our in-house team 

of 100+ attorneys, paralegals and title examiners 

has a deep bench of expertise. 

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• Check out the window exposure in the home. When and where does the 

house get sunlight? This will impact both quality of life, as well as utilities. 

For example, an end-unit townhouse will have more sun and space, but 

higher utility bills. 

• Drive down the street at different times of night and day. Are the neighbors 

noisy? Is there a lot of vehicular traffic at certain times? Are there 

unsavory characters using the street as a shortcut or hangout? Who can 

see into the backyard? 

• Ask about utilities. Inquire whether there was ever an underground oil 

tank and whether it was properly removed. If the house is heated through 

an above-ground oil tank, make sure you understand what that entails; 

many people today prefer gas heat. Most people also prefer city sewer instead 

of a septic tank (if you have a septic tank, the potentially expensive 

repairs would be your headache, not the city’s, although septic tanks are 

much cheaper on a monthly basis). 

• Has the house been renovated? Verify that all renovations were performed 

properly, and that the utility systems in place are capable of handling the 

added space, so that the addition will be properly cooled and heated when 

necessary. If you are thinking of adding to the home, double check the zoning 

laws to make sure that you can. 

• Find out the amount of the property taxes on the home. 

• Search the State Police database at www.njsp.org for any nearby registered 

offenders. 

Lakewood Living: Development or Private Home 

For many prospective Lakewood homeowners, this is the million-dollar question. 

Developments are convenient, sociable, and often cost-effective, and 

the houses are well-designed for frum families. Private homes can be more 

costly, are often older and generally do not have amenities designed for frum 

living. These homes do often provide more privacy and outdoor space that 

you can call your own. How do you choose between the two options? 

Here are some questions that you can ask yourself to help you decide which 

style better suits your personality. 

• Do you crave a unique home, or do you love that easy and convenient layout 

and don’t care that your house is identical to those of your neighbors,? 

• Are you a private person or more sociable? Will it bother you if all the outdoor 

space you have access to is communal, or will you love the built-in social life? 


• Do you have small children? Developments offer easy access to a communal 

playground, built-in friends for your kids, and more. But if you are 

somebody who likes to stay inside more and keep to your own schedule, 

or who enjoys open spaces and large green yards, a development may not 

be for you. 

• Are you comfortable being a landlord? Often, owning a townhouse in a 

development means renting out an apartment. This entails sharing close 

quarters (soundproofing has its limits!) and sometimes common space with 

another family. You also need to be sure that you have the temperament to 

collect rent from a potentially recalcitrant tenant and take responsibility for 

maintenance and repairs. 

• Are you prepared for maintenance? In a private home, you will be responsible 

for outdoor maintenance like shoveling snow and lawn care, which is 

usually covered by the homeowner’s association in a development. 

New Construction vs existing Homes 

New homes go up almost daily in Lakewood, but there are also many buyers 

who opt to purchase a resale house. Here are some considerations to factor 

into that choice: 

• Is somebody in your family handy? Newer homes are likely to need less 

maintenance and repairs than older ones. 

• Who are the developer and builder of the new construction? The developer, 

who is backing the project, needs to be someone you can trust will not 

cut corners. The builder who is actually executing the project should stand 

behind his work and take responsibility for defects even after closing. 

• What is your timeframe? Depending on what stage the construction is up 

to, you may need to wait months or more before a new home is completed., 

while a resale home may be just waiting for you to close. 

Although newly built homes appear to have a higher price tag than some 

older private homes, from a financial perspective, you might come out ahead 

by buying one anyway under certain circumstances. 

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before, during and after the closing. 



• Many new homes are built with rentable basements. Many people rely 

on this income to cover the larger mortgage payment, but being unable to 

secure a tenant for a few months can be financially draining. In a development, 

you will also pay a monthly association fee of about $50-$100 to 

cover maintenance of common areas. 

• New homes are purchased in move-in condition, with no need for expensive 

renovations — which are not covered by the mortgage. You also will 

typically have much more time before a new home begins to need costly 

major repairs. Additionally, some systems, like the HVAC or roof, may be 

under a builder’s warranty, further minimizing your risk. 

• New construction is built with an eye towards the future. A good developer 

will build a framework that will allow for future expansion and 

customization down the line. The electric, HVAC, and other systems are 

built with an understanding of contemporary needs. 

Some buyers view short sales or foreclosures as an opportunity to snatch up 

a great deal. However, these transactions are often complicated and end up 

generating hidden costs and aggravation. Unless you are a seasoned investor, 

many agents will advise against these purchases. 

Negotiating a Price 

When you finally find the house you want, you are ready to make your initial 

offer. If you’re working with a real-estate agent, he will conduct the negotiations 

on your behalf, but the principles are the same. While you obviously 

want to secure the lowest price possible, you also need to be taken seriously 

as a potential buyer to encourage the seller to work with you. Do your homework 

well so that you can choose an appropriate starting point. 

Ask your agent or review public records, available from the County Clerk’s office, 

to learn about recent homes sales in the neighborhood. For how long were 

they on the market? How much is the asking price? How much was the selling 

price? Try to understand the seller’s position as much as you can: Does he have 

any particular pressure factors that will push him to accept an offer more hastily? 

Is he closing on another house or starting a job elsewhere very soon? 

At the same time, do not offer any more information about yourself than is 

strictly necessary. You want to be careful not to sound desperate for this particular 

house; if you treat the process as a business transaction without getting 

emotionally involved, you are less likely to be taken advantage of. 


If you are working in a buyer’s market, now is the time to ask for any concessions 

from the seller, such as including appliances in the deal, but if it is a 

seller’s market and you come across too cheap, the seller will likely walk away 

without investing too much time in, or even responding to, your offer. 

In a seller’s market, do whatever 

due diligence you can before signing 

a contract, because the seller in their home and have fond 

Most homeowners take pride 

will be negotiating from a position memories of it. They want to sell 

of strength, and you will have very their house to somebody who will 

little leverage to request further accommodations 

once the contract is the home within reason and avoid 

appreciate it. Try to compliment 

signed. For example, you may want discussing extensive renovations 

to have a contractor take a look at in front of the seller. You are 

the house and estimate on repairs likely to make a more favorable 

or renovations, which many will do impression if the seller feels that 

for free. 

you appreciate his home. Don’t 

overdo it, though, or the seller 

The seller will likely come back with 

might think you will buy the house 

a counter-offer, but keep negotiating 

as long as he is still at the table, 

no matter the cost and negotiate 

on that assumption. 

and don’t be discouraged. You may 

want to offer non-monetary perks 

as part of your offer; a quick closing or a contract with few contingencies may 

be worth more to the seller than getting his full price. 

Keep in mind that most agents are paid on a commission basis, so make sure 

you feel the price they are helping you agree upon is fair. You will want to offer 

less than the price you are prepared to pay (10% less than the asking price is 

a general suggestion), but you should also be prepared to split some of the 

difference between your offering price and the seller’s asking price. 

Creating a Contract 

Once you agree on a price, both sides will sign a contract for the sale of the 

home. The contract will list the price, the dates for the deposit and other 

WE ARE LOCAL. Based right here in Lakewood, 

we deliver customer-friendly service with a 

personal touch. 



payments and the latest closing date. The contract will also list any exclusions 

or inclusions to the contract (e.g., are the appliances included in the 

sale? The window treatments?). 

A typical contract includes several conditions that need to be met before the 

deal is closed. These conditions are called contingencies. Both parties to the 

contract will have contingencies protecting their interests. Some of the most 

common ones include: 

• An inspection contingency provides you with a frame of time in which to 

conduct a home inspection and discuss the results with the seller. At that 

point, if material defects are found, the seller will usually need to offer to 

cure the defect, offer you a credit for curing the defect, or allow you to walk 

away. 

• A financing contingency allows you to walk away from the deal if you cannot 

obtain financing by a set date. 

• Some buyers add an insurance contingency which makes the contract dependent 

on their ability to get homeowner’s insurance, which might be a 

challenge in areas known to have specific problems, such as flooding or 

mold. 

• Other less standard contingencies that are subject to negotiation are contingencies 

that make the contract dependent on the seller finding a new 

home, the buyer selling their current home, or, in a brand-new development, 

meeting and approving the other buyers. 


Attorney Review 

This section has been prepared with the assistance of Gerald B. Klein, Esq., and Miriam B. 

Weinstein, Esq. 

Once both parties have signed the contract, the three-day period of attorney 

review begins. You will want your attorney to look at your contract immediately 

and iron out any issues, so make sure, when signing, that both you 

and the lawyer are available during this period. Don’t sign a contract the day 

before you are going out of town to your brother’s chasunah; the brief window 

of attorney review is your best chance at catching major problems in the 

phrasing of your contract. 

If the lawyer finds something problematic in the contract, he or she will negotiate 

to have it changed or send a letter of disapproval, which terminates the 

contract without a penalty. When both parties have approved the contract, 

you will give your deposit to the lawyer, who will hold it in escrow until closing. 

Choosing a Lawyer 

Choose an attorney based on positive recommendations from friends, family, 

or your real estate agent. If accepting your realtor’s recommendation, be 

WE ARE FAST. With staff in Israel and Lakewood, 

our round-the-clock team can prepare you for 

your closing in record time. 



sure to also do some independent verification to ensure that the lawyer is 

not dependent on the agent for business or otherwise biased in the agent’s 

favor, and that the agent is not receiving any commission or other benefit 

from the referral. (The same applies to any other type of professional your 

agent recommends.) 

• Choose a lawyer who will be responsive to your calls. 

• If you work full-time, consider whether off-hours availability, such as 

Sundays or evenings, is important to you. You may also want to find out 

whether the lawyer maintains a staff who will be able to answer your questions 

in his or her absence. 

• Make sure you are comfortable asking your lawyer for clarification of any 

point, no matter how foolish it may seem to you. If you are intimidated or 

don’t feel you are being taken seriously, the lawyer is not for you. 

• Does the lawyer meet buyers face-to-face for the initial contract review? 

If yes, how long do those meetings typically last? 

What services will your attorney provide? 

The lawyer will review the purchase contract and negotiate on your behalf to 

revise any items he feels are not in your best interest. 

Typically, the lawyer also orders the title search and works with the seller’s 

lawyer to clear any title concerns. Once the title and mortgage are settled, the 

lawyer will review the closing documents provided by the seller to ensure you 

are receiving everything necessary. He or she will also file the deed with the 

county clerk to register the sale. 

If the home inspection or any other process discover any defects in the 

home, your lawyer will attempt to negotiate a credit against the purchase 

price to cover the cost of repairs. However, be aware that in a strong seller’s 

market, the lawyer will not necessarily have enough leverage to negotiate 

effectively with the seller. It is not advisable to leave the inspection for late 

in the process and hope things work out; it may even be worthwhile to order 

an inspection on a home you are seriously considering even before signing 

the contract. 

Your lawyer will attend the closing with you and walk you through the process 

to ensure nothing is skipped and you understand everything. 


Attorney Fees 

Typically, the fees for these services are assessed on a flat fee schedule, determined 

by the details of the sale — is the home new construction? Is it a short 

sale? The fee will vary based on circumstances, but expect to pay anywhere 

between $1200-$1800 for a residential closing. These fees are very similar 

among all local lawyers; shopping around will save a maximum of $200, so 

the attorney’s fees should be among the less significant considerations when 

selecting your representation. 

A retainer of between $200-300 is paid when the lawyer first accepts your 

case, with the balance due at closing. If the contract falls through for any reason, 

the retainer is the entire compensation the lawyer receives. 

WE ARE TRUSTWORTHY. You can trust us to 

deliver a smooth, stress-free closing in our 

comfortable conference center. 



Under Contract 

This section was prepared with the assistance of Yehoshua Basch of Luxury Mortgage Corp, 

Eli Garfinkel of Funding Resources, and Shimon Heimfeld of Funding Resources. 

Choosing Your Mortgage provider 

If you haven’t already, once you’ve entered into a contract you need to immediately 

choose a mortgage lender or broker. Several options are available 

to choose from. 

Bank: Dealing with a bank means going straight to the source, with no middlemen. 

Occasionally, this allows you to procure a better rate. A downside of 

borrowing from a bank, though, is that you don’t typically receive the full service 

experience that a mortgage broker will provide. The bank manager won’t 

sit down with you in advance to review your circumstances and advise you on 

the best way to prepare for a loan, or whether you will qualify. They also tend 

to have the strictest debt to income ratio and income requirements. However, 

if you are fairly certain you have your paperwork in order and understand the 

process, you may want to go straight to the funding source. 

Mortgage Broker: A broker is a professional who connects individuals with 

the lenders or banks most appropriate to their needs. He will shop around 

for you and help you find the lender most suited to your particular needs. He 

will know, based on the particulars of your income, documentation, and other 

circumstances, which bank is most likely to extend favorable terms, and will 

help you through the process. 


Mortgage Lender: A direct lender underwrites the loan and provides the 

money, then sells the loan to a bank. All decisions are made in-house, by 

their own staff. A direct lender can sometimes offer a more generous debt to 

income ratio, and can sometimes obtain faster approvals. 

Often, the differences between the types of lenders will make little or no 

difference to the buyer; the most important trait to look for is integrity. An 

honest, knowledgeable professional will be able to advise you based on 

your circumstances and will point you to the best product for your needs. 

Mortgage Approval Process 

Upon applying for a mortgage, you will submit all your necessary supporting 

documents to your loan representative, who will submit them, along with the 

mortgage application, to an underwriter. The 

underwriter, a representative of the lender, 

will review the application and render a decision, 

whether to approve the loan, deny it, or 

request additional supporting documentation 

or explanation of discrepancies. 

Also while considering the loan application, 

the lender will order a home appraisal to 

assess the value of the home. If the home is 

appraised as less valuable than the mortgage 

Whichever type of 

lender you choose 

to patronize, allow a 

minimum of 30 days 

for the loan approval 

process. Delays are not 

uncommon, so it’s best 

to allow even more. 

being requested, the application may be denied. The cost of the appraisal, usually 

around $400, will be charged to you at closing. 

Once you have been approved for a loan, you will need to lock in your interest 

rate. Locking in a rate means that even if interest rates increase before you 

close, you will still receive the loan at the original rate. The shorter you lock 

your rate, the better rate you will get. There may also be a charge for long 

locks. Sit down with your mortgage representative and discuss the probability 

of closing within the specified timeframe and the various risks or benefits 

of locking in a rate for a given amount of time. With new construction, in 

particular, it can be difficult to determine when the closing will actually occur. 

WE ARE EXPERIENCED. For 18 years, we have 

issued title insurance policies and handled 

closings in Lakewood… and the rest of the U.S. 



Loan Products 

Mortgages are described as either Adjustable Rate Mortgages (ARM) or 

fixed-rate. An ARM loan begins with a very low interest rate, but after an initial 

introductory period, it can fluctuate in either direction. Because of this volatility, 

mortgage professionals strongly caution against ARM loans unless you plan to 

either move or otherwise pay off the loan within a very short time period. 

The much more common fixed-rate mortgage offers a stable Interest rate over 

the length of the loan, and is therefore considered a much safer investment. 

Usually, buyers choose a 30-year mortgage. While a 15- or 20-year mortgage 

will allow for lower interest rates, as well as much less total interest over the 

life of the loan, the monthly payments will be substantially higher, and they 

are thus only recommended for small loans or loans that people are absolutely 

sure they will be able to afford. 

Even if you cannot afford a 

20% down payment, with 

good credit you may still 

qualify for a conventional 

loan. You will need to pay 

PMI, but these payments 

do not last the life of the 

loan, while FHA payments 

do. (For more info about 

PMI, see page 52) 

FHA loans 

For people who don’t meet the qualifications 

of conventional mortgages, the 

Federal Housing Administration, or FHA, 

insures loans that are easier to be approved 

for. FHA loans accept down payments 

as low as 3.5%. With lower credit 

score requirements, and higher debt-toincome 

allowances, these loans are much 

easier to qualify for, and have lower interest 

rates. However, they can be costly in 

other ways, as they require the purchase 

of two types of mortgage insurance from the FHA, which together add up to 

thousands of dollars in insurance payments. 

For some, who are sure they can afford the costs of home ownership but 

don’t qualify for a conventional loan, FHA loans can be a viable alternative. 

However, because of the very high insurance costs associated with these 

loans, they are generally only recommended for buyers with no other options. 


Paying discount points 

Some buyers opt to pay points on their loan. By paying a portion of the loan 

upfront, you can reduce your interest rate proportionately. Each point purchased 

could lower your interest rate 

by .25%, depending on the lender. 

Bear in mind that many people 

Sometimes, buyers will have no choice 

refinance or move before they 

but to purchase points; because of 

finish paying off their loan 

their specific debt-to-income ratio, 

(the national average is seven 

the bank may choose not to lend them 

years). Thus, if you move before 

money at a higher interest rate, so 

your lower monthly payments 

their only option will be to buy points 

earn back the cost of the points 

upfront to lower the interest rate. 

you’ve paid, you’ve lost money. 

Other times, the decision will be a personal 

financial calculation. Consider 

what the cost of the points would be now; calculate how much that will lower 

each monthly payment. You will need to decide if you would rather pay the 

cost of points out of pocket now and have a lower monthly payment, or save 

your money and pay a higher monthly payment over the life of the loan. 

Co-signers 

Enlisting the help of a co-signer or co-borrower 

allows you to rely on his or her income 

in addition to your own in order to qualify 

for a larger loan. A co-borrower is featured 

on the title, while a co-signer merely takes 

responsibility in case of default. 

Check with a knowledgable 

rav whether you will 

require a heter iska. Many 

poskim require a heter iska 

for any loan with a Jewish 

co-signer, even if the 

lender is not Jewish. 

A co-signer needs to understand that he is 

not simply guaranteeing payment in case you default on the loan; he is actually 

applying for the loan along with you. Therefore, be sure to verify that their 

income is eligible for co-signing; if they have outstanding debt (their own 

mortgage, co-signatures on other loans, credit card debt, etc.) their eligible 

income will be proportionally reduced, just like the borrower’s. Also, their 

documentation will be scrutinized as carefully as the borrower’s, so be sure 

WE ARE FRIENDLY. Our team is always ready 

and willing to guide you through the real estate 

closing process. 

732.905.9400 • www.madisontitle.com 


that any co-signer you use has their documentation in order and is prepared 

to share it. Another consideration is that missed mortgage payments will adversely 

affect the cosigner’s credit, as well. 

The co-signer will need to be present at closing, or prepare a Power of Attorney 

document that allows someone else to sign in his place. 

One drawback of having someone co-sign on a loan is that many special 

mortgage programs, such as Citizens in Action or TD First Time Home Buyer’s 

program, won’t offer their reduced rates on loans with co-signers. 

Sometimes FTHB 

programs are simply 

marketing gimmicks and 

Home Buyer’s Resources 

This section was prepared with the assistance of 

Sarah Rothenberg of the LRRC. 

The Lakewood Resource and Referral Center, 

(732) 942-9292 offers Home-Buying 

may not save you money 

at all; make sure you 

Seminars and advice on programs and 

thoroughly understand the 

resources that buyers may need. Many 

details of the offer before 

first-time home buyer mortgage programs 

assuming it is a good deal 

require attendance at a first time homebuying 

education seminar, and the LRRC 

seminar, offered weekly, satisfies that requirement. They also provide individual 

consultations to help potential buyers determine if homeownership is 

for them, and how they can best approach their purchase. 

Numerous programs exist to help first time home buyers with their mortgages. 

Products change constantly, so consult with a certified housing counselor 

at the LRRC or a knowledgable mortgage professional to learn what is appropriate 

for your needs. Benefits of these FTHB programs include lower-thanmarket 

interest rates, lower down payment requirements with no mortgage 

insurance, closing cost assistance, and non-traditional credit. 

Understanding Homeowner’s Insurance 

This section was prepared with the assistance of Samuel Greenes of Stonebrook Insurance Group. 

To qualify for a mortgage, you will need to show that you have obtained 

homeowner’s insurance. Because the home is the lender’s collateral on the 


loan, no lender will finance the purchase of a home that is uninsured against 

damage or loss. 

Homeowner’s insurance policies can cover situations ranging from a thief 

making off with one valuable item, to serious structural damage in the event 

of a fire or the like, to liability cases if somebody is injured on your property, 

so getting appropriate coverage is invaluable. 

Start by obtaining quotes from multiple insurance agencies, but verify that 

the companies they are quoting from are reputable. What is their pay-out 

history like: do they give customers a hard time when processing claims, or 

is the process smooth and quick? How long has the company been around? 

Websites such as JD Powers and A&M Best give ratings to insurance companies 

and are a good source to check before going with a specific company. 

Here are some of the basics to know about homeowner’s insurance: 

Structure/Dwelling: Insures the structure of your home for a set amount, usually 

the amount it would cost to rebuild a comparable home at today’s costs. 

Personal Property: Insures the contents of your home up to a certain dollar 

amount. Keep in mind that typical policies do not cover the mysterious disappearance 

of valuables like a diamond ring or silver; these items often need to 

be insured individually after getting appraised. There are various add-ons that 

insurance companies offer to their basic policies to insure things like jewelry 

and silver. Some companies offer blanket coverage on valuables for a specific 

cost, and some insure each item separately; ask your agent about this. 

Replacement Cost: If a company guarantees replacement cost, that means 

that they will replace the damaged item with a new one at its current cost. The 

alternative, Actual Cash Value (ACV), covers only what the item was worth at 

the time of the damage, taking depreciation into account. If a 20-year-old roof 

is destroyed in a fire, its ACV will be much lower than its replacement cost. 

Flood Insurance: Flood insurance is not included in a homeowner’s policy. In 

documented flood zones, lenders will require flood insurance, but otherwise 

it is optional. Bear in mind, though, that floods can strike anywhere; 25% of 

all flood damage claims come from areas that are not high-risk zones. 

Sewer Backup: Optional add-on coverage that speaks for itself. 

WE ARE PROFESSIONALS. From start to finish, 

the Madison team is poised to deliver the highest 

level of professional service. 



Liability: Sufficient liability coverage is a must, especially if you have a business 

or high traffic in your home. This is where your insurance company will 

step in if somebody tries to bring a lawsuit against you for an injury they suffered 

while in your home. 

Keep in mind that many insurance companies offer a multi-policy discount to 

customers insuring both auto and home through them, so you may want to 

check if you qualify for a discount. 

Role of the Title Company 

This section was prepared with the assistance of Keren Peters of Madison Title Agency and 

Yehuda Unger of Toma Services. 

During the course of every purchase, a title company performs a search to 

make sure the title (i.e. house ownership) is clear of any defects, such as judgments 

or liens against the house. The search is usually ordered by the buyer’s 

attorney, who chooses the title company. 

Sometimes a title search will reveal that there is an outstanding court judgment 

or other impediment that the seller must address before sale, and the 

lawyers and title company will work together to “clear the cloud,” or address 

the issue that is blocking the clear transfer of the title. 

Once any issues have been resolved, the title company will issue a title policy. 

Title insurance protects the parties in the sale from any damage that could 

result from any previous erroneous or illegal title transfers, such as in cases 

where the title company overlooked documents, documents were filed incorrectly 

with the authorities, or previously unknown heirs have stepped forward. 

Title insurance is paid for by a one-time premium, payable at closing. The title company 

then sends the policy to the buyer’s attorney, who delivers it to the buyer. 

The costs of the title company’s services are regulated by the government, 

so will vary very little between companies; your lawyer will usually choose the 

company whose customer service he prefers. Any kickback or incentive to acquire 

a client’s business is illegal. 

Homeowner’s Inspection 

This section was prepared with the assistance of S. Chaim Resnick of Advantage Home & 

Property Inspections, LLC. 

Now that your offer has been accepted, it is time to call a professional home 

inspector. A home inspection is an objective visual examination of the home 


structures and systems, from the foundation through the roof. The cost for a 

home inspection starts at a few hundred dollars. 

Choosing an inspector 

While the State of New Jersey requires that all home inspectors be licensed 

and insured, there are additional qualifications you may choose to look for. 

Some home inspectors also do mold, termite, lead, or other inspections, 

which may be warranted in some homes. In Lakewood, some houses are 

prone to suffer water damage, so discuss with your inspector, agent, and/or 

attorney whether any additional inspections are in order. 

Some inspectors will provide a checklist-style report, while other will provide a 

narrative-style report with more in-depth description. Ask to see a sample report 

before hiring an inspector; a clearly-written report with pictures can save 

you time and confusion down the line. 

The inspection 

The inspector will take anywhere from two to four hours to walk through the 

house, making sure that all systems work properly and safely, and that the 

home structure is solid. He will examine the heating and cooling, electrical, and 

plumbing systems, as well as the foundation, structure, roof, and insulation. 

If possible, accompany the inspector as he will be a valuable source of information 

about how things in the house work, and he will likely offer helpful 

tips and suggestions for improvements. The inspector will take pictures and 

notes as he completes his inspection and will provide you with a written report 

about the condition of the home. The report will identify crucial repairs 

as well as recommendations for additional repairs and maintenance. 

Your lawyer will review the report and help you decide how to proceed. He 

may ask for a credit against the purchase price to cover any major necessary 

WE ARE FLEXIBLE. We can do your closing 

anywhere… your attorney’s office, your lender’s 

office, or wherever is best for you. 



epairs, or, he may even find grounds to back out of the offer. In either case, 

by hiring a professional you can rest assured that you have performed your 

due diligence and are now an informed buyer. 

Roof inspection 

This section was prepared with the assistance of Goldberg Roofing 

Aside from a general inspection, some buyers may opt for a roof inspection, 

as well. A roof is among the most costly components of the house, and damage 

to the roof is often not detectable by a regular home inspector. For about 

$125, many roofing companies will conduct a thorough inspection of the roof. 

If damage is discovered, the expensive repairs can then be negotiated into 

the purchase price. In case any work needs to be done, some roofers will 

credit the cost of the inspection towards the necessary repairs. 

Final Walkthrough 

Shortly before closing, ideally 24 hours before, conduct a final walkthrough 

of the property. Ensure that the premises are left in the agreed-upon condition. 

Are appliances present and in good working order? Is the home in 

move-in condition? If you are purchasing new construction, you will prepare a 

punchlist detailing any finishing touches that must be completed before closing. 

Take your time; once you close, you will no longer have any claim. 

Ensuring a smooth closing 

• Don’t forget your photo ID! 

732.806.5656 

GET IT DONE RIGHT. 

• Come prepared to write numerous checks, as the various closing fees and 

escrows will need to be paid to different parties. Also find out if you will 

need to bring a bank check for the down payment. 

• Most lenders ask to see copies of any required insurance, such as homeowner’s 

or flood, as well as proof of payment at the time of closing. 

• Allow several hours to close. Although a smooth closing may take less than 

an hour, unexpected hiccups do happen and can delay the process. Anticipate 

the possibility and clear your schedule accordingly. 


Building Your Dream Home 

This section has been prepared with the assistance of Eli Lewenstein of Sterling Construction 

and Chanie Kamenetsky of CK Designs. 

Financing A construction project 

For home building, some lenders offer a special product known as a construction 

loan. Because construction of a new house is higher risk to the 

lender than mortgaging an existing home, these loans typically have tight 

standards, with requirements for impeccable credit scores and strict underwriting 

criteria. For this reason, it often pays to seek a lender with experience 

in securing these types of loans. 

Usually, construction loans are short-term loans in which the funds are 

released in stages, or “draws”, at different points in the construction process—for 

example, before laying the foundation, before framing, etc. Once 

the construction is complete, they roll over into conventional mortgages with 

the house as collateral. During the construction stage, the interest is usually 

structured as “prime-plus”, which is the prime rate (the rate charged by banks 

to their preferred customers) plus a set amount; once the house is built, the 

loan becomes a standard mortgage with a lower rate. 

WE ARE COOPERATIVE. We work closely with 

attorneys, lenders and most major underwriters 

to expedite processes and solve problems. 



Before approving a construction loan, the lender will typically want to see the 

construction plans, timetable, and budget, and will then supervise the construction 

to ensure all is proceeding as planned. 

which professionals will i need? 

Before buying a lot on which to build, it is important to consult an engineer 

who can give you valuable information about the site of your potential home. 

If the water table will interfere with your planned basement, or a commercial 

project is slated to go up down the block, an engineer will be able to give you 

a heads-up before you commit. 

Once you have chosen your lot, your architect can begin to draw up plans, at 

which point you can bring them to a contractor for a quote. As always, one of 

the most important things you can do is speak to references. Make sure that the 

references are recent – especially in the construction industry, it is very possible 

that your contractor may have a different crew than he did four years ago. 

Important questions to ask include the contractor’s attention to budget and 

schedule, as well as his communication and how he dealt with any problems 

that arose. 

Interior Designers 

If you choose to employ an interior designer, now is the time to look for one. A 

certified interior designer can assist you with space planning, layout, and exterior 

choices like brick and siding. She can also assist you with interior selections, such 

as cabinets, flooring, hardware, doors, paint colors, lighting, and furniture. 

She may save you from making costly mistakes, as well as saving you time, 

and will guide you to the right stores, and tradespeople. She may be able to 

offer you discounts and special industry pricing. 

All professionals have varying fees, so it is important to discuss your budget 

and their fees up front. What services do they provide and what kind of bill 

you can expect to receive? Some other questions to ask include: Do you take 

a retainer? Do you charge a flat fee? Do you charge an hourly fee? What’s 

your fee schedule? 


preparing a budget 

Budget 20% extra for 

Compile a wish-list for your architect, builder, 

“might-as-well” costs. 

and interior designer (if any) and divide it into 

must-haves, would-be-nice, and wish-I-coulds. 

The professionals will help you determine which items from each category 

you can afford. 

During construction, stay in close contact with your builder and decorator, who 

will help you understand where to scrimp and where to splurge, and will warn 

you if you are spending too large a portion of your budget on any individual 

item. 

Try to stay a step or two ahead of your builder when making material choices. 

Decisions made under pressure often lead to regret, and are usually more 

expensive. Also, many components require lead time from ordering until they 

are available, and you don’t want delivery time to throw off your carefully 

planned schedule. 

top home improvement upgrades 

Every feature of your home presents multiple decision points, with myriad 

options and innumerable variations. Where does it make sense to splurge, 

and where should you try to skimp? While of course not an exhaustive list, 

below are some items to consider upgrading. 

The most important factor is whether the house is structurally sound. No one 

will be swayed by your granite countertops if your roof is leaking. Make sure 

the house itself is in good shape before spending on bells and whistles. When 

building your home, a poured foundation, rather than a cement block wall, is 

an excellent choice — it is less likely to crack and holds its resale value well. 

Another structural upgrade to consider are 2x6 walls instead of the more 

common 2x4. Besides being sturdier, they allow more room for insulation, 

resulting in a more comfortable, energy-efficient home. 

Also to help maximize insulation, spray foam, which can cost $3,000-4,000 

more, is a type of insulation applied as a quick-hardening liquid. You will 

quickly recoup the cost, as it can save hundreds, if not thousand of dollars 


annually on your utility bills, besides increasing the life of your HVAC system 

by minimizing wear and tear. Consider spraying your roof even if you opt not 

to treat the rest of the home. 

Kitchens and baths typically provide 

Wooden fences need more upkeep the best return on an investment. 

(e.g. periodic painting or staining), and Splurge only on items that you don’t 

can be more difficult to repair, but plan on replacing. Quality cabinetry, 

stone countertops, bath tiles 

may boost resale value more than 

other types. Vinyl fencing provides and stone or wood flooring are all 

the best privacy, as in the case of a installed for the long haul. Carpet, 

pool, but that also means they can paint and furniture in commonly 

obstruct the view from windows. used areas, which need to be replaced 

more frequently, typically do 

not add lasting value to a house. At 

the same time, interesting mouldings and well-placed paint can be an inexpensive 

way to add character and visual appeal without breaking the bank. 

Another factor that adds significantly to a house’s value is its curb appeal. 

Fences often enhance a home 

by framing it and delineating the 

An awning can be a smart investment; 

yard, as well as affording privacy. 

sun shining through doors and 

Choose the right sort of fence so 

windows causes up to 20% of an air 

that it doesn’t make the house 

conditioner’s energy consumption. 

stand out too much from the 

For a sukkah awning, choose one that neighborhood. Another popular 

can be left out during rain, and whose outdoor feature is a deck. Especially 

popular for sukkos, they ex- 

retracting motor can be overridden to 

allow manual operation on Yom Tov. tend the living space of a home at 

a minimal cost. 

Nojos Fencing 

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Making Your House into a Home 

This section has been prepared with the input from Leiman Mortgage Network and David 

Genuth of Builders R Us. 

Congratulations! Now that you’ve closed, you’re done, right? Although you’ve 

cleared many major hurdles, for many buyers there’s still work to be done to 

get the house into move-in condition. 

financing renovations 

A perennially popular way to finance home improvements 

is by tapping into the house’s equity, 

either through a home equity line of credit 

(HELOC) or home equity loan (HEL). In both cases, 

the house serves as collateral for the debt, 

so they should not be used without careful consideration. 

Small-scale 

improvements, like 

redoing a single 

bathroom, can often 

be financed most 

quickly and cheaply 

using an interest-free 

credit card. 

A HELOC is revolving credit, like a credit card, 

which can be tapped into as needed and repaid. 

Interest rates typically fluctuate over the life of the loan. In contrast, an HEL 

is a fixed-rate, fixed-term loan, paid back in monthly installments like your 

mortgage. Also like your mortgage, your ability to qualify will depend on your 

credit history, your outstanding debt, and your income. 

The FHA also offers insured loans for home improvements. Through the Title I 

program, you can borrow up to $25,000 for a single-family home. 


If you would like to buy a home that needs major repairs, inquire whether an 

FHA 203k loan would be appropriate. This product, from the Federal Housing 

Administration, covers the cost of the house as well as additional cash for the 

necessary repairs. Depending on the exact type of loan, these could be major 

structural repairs, or painting and other more aesthetic needs. However, there is 

a lot of documentation necessary, and you will need detailed plans to show how 

you intend to spend the money, so these loans are not always easy to come by. 

As with any major loan, a qualified professional can always provide advice 

most suited to your situation. 

choosing a contractor 

When pricing renovations, you may find yourself debating the merits of hiring 

a contractor to oversee the project, versus a handyman or individual tradespeople 

with their own specialties. 

A contractor brings a broad range of experience to each job, which can be 

helpful for coordinating work and 

longer-range planning. His industry 

connections mean that even 

Construction Insurance 

A crucial investment during any home though he is charging for his services, 

he can negotiate discounted 

improvement project is construction 

insurance. Sold in 30-, 60-, or 90-day pricing for individual segments of 

increments, construction insurance the project to keep costs down. 

is relatively expensive – possibly as An individual tradesman, on the 

much as your annual homeowner’s other hand, can offer an added 

insurance premium — but it covers degree of flexibility and get some 

any accidental damage to the house. jobs done faster and more efficiently 

than a large crew. Some- 

For example, if a pipe bursts and 

floods part of the house, even away times, his prices will be lower as 

from the construction area, the policy well. 

will cover the damage. 

If you have a complex project or 

numerous renovations to accomplish, 

you will probably want a contractor to oversee the myriad unfamiliar 

details. 

Whichever type of tradespeople you choose, verify that they are licensed and 

insured. If a worker damages something in your house — for example, cracking a 

pipe while installing a closet — you will probably be much better compensated by 

an insured worker, who does not want a claim on his insurance record. 


When choosing a contractor, you may want to take a look at a current work site 

— is it organized and safe? This is especially important if you intend to live in the 

house while the work is being done. 

Even if a contractor has an excellent reputation, if he has recently changed subcontractors 

or hired different workers, the quality of his work may change, so try 

to speak to someone who’s worked with him as recently as possible. Questions 

you may want to ask include whether he was punctual, stuck to budget and timeline, 

and how he handled any problems that arose. 

whom will I need? 

Many builders appreciate being approached to quote on a job once the client 

already has preliminary sketches from an architect. These may cost several 

hundred dollars, but pay off in savings of time and money, as both customer 

and builder have an idea of the parameters of the project, and can create 

more accurate estimates. 

All building and renovations require plans submitted to the township by an 

architect. The one exception to this rule is that if the homeowner serves as 

his own general contractor, he can submit his own plans. For simple projects, 

then, a space planner can prepare an outline of your plans for you to complete 

and submit on your own. (One caveat: being named in the plans as your 

own contractor can potentially make it harder to recoup a claim from your 

builder’s insurance) 

Realistic planning 

Make sure to plan for sufficient time to allow your workmen to complete their 

work. Eager homeowners are notorious for under-estimating the time necessary 

for construction. While countless variables can affect a project timeline, 

there are certain minimums you should plan for. Your new deck might be built 

in 2 days, and your kitchen completed within 2-3 weeks, but finishing your 

basement will require 6-8 weeks. If you are building a 3-4000 square foot 

home from scratch, allow 6-8 months for construction. 

Outdoor construction, dependent on the vagaries of the weather, will proceed 

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more slowly in the winter. All construction will slow down somewhat around 

the non-Jewish holiday season, as municipal inspections are less available 

and many workers take off then. 

In order to keep your project running smoothly, be sure to keep in constant 

touch with your contractor. Asking for regular updates and any changes in 

status can help avoid unpleasant surprises down the road. Also, involve your 

builder in your decisions. You may have your heart set on a particular type of 

tile without realizing that it costs twice as much to install. By helping you understand 

your budget and how much has been used, your contractor will be 

able to help you make your purchasing decisions in a cost-conscious manner. 

Cost-Plus vs. Set Price 

A contractor’s services can be engaged in one of two ways — cost-plus or set 

price. In the cost-plus model, the contractor will pass along all his expenses 

to the customer, and then charge his own fee separately. For example, if the 

job cost him $46,000 in materials and labor and his own fee is $7,000, the 

customer pays $53,000. 

Set price, exactly like it sounds, means that a price is negotiated at the start 

of the job and does not change, regardless of any fluctuations or unexpected 

changes in the cost of the work. The contractor does not detail his expenses to 

the customer. If the price of materials rose during the course of the project, the 

contractor might be left with only a small profit, but if prices dropped, he will 

have a larger-than-anticipated profit. 

A customer using an experienced contractor, who has learned to estimate accurately, 

will usually get a better price by paying cost-plus. This is because 

contractors need to build a cushion into their set prices to ensure that they are 

left with a profit even if their expenses rise, whereas cost-plus doesn’t require 

any cushion. However, customers on a very fixed budget might prefer set prices, 

so they can plan their expenditures carefully. Either way, it is important to 

clearly delineate at the start of the project exactly what is included in the cost, 

and what would be beyond the project scope or subject to additional fees. 

Will solar panels damage 

my roof? Unlikely. If your 

roof is under warranty, 

though, the warranty will 

be voided. 

Electrical intelligence 

This section has been prepared with the assistance of 

Yisroel Berkowitz of BerkoWatts Electric. 

When doing electrical work on a newlypurchased 

home, consider the differences 


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between your usage and that of the previous owner. 

• A frum household uses about double the power of a non-Jewish family in 

the same house. Make sure the fuses can bear the load of your usage. 

• Does the bedroom have overhead lighting? Many older houses don’t; check 

that your system can bear the load of what you plan to add. 

Some electrical work should be done immediately if you plan to do it at all. If 

you are considering installing recessed lighting, a generator, or solar panels, 

among other improvements, it will be much more cost-effective to install them 

when you are first renovating than later on, when you will have to rip open 

sheetrock and then re-paint. Even if you don’t do the installation now, you can 

have your electrician plan to ensure that you will be able to do it at a later date. 

Kitchen remodeling 

Kitchen remodeling consistently tops lists as one of America’s most popular 

home renovations — and one of the most costly. Follow these tips to get the 

most for your money when investing in this expensive, time-consuming, and 

very rewarding project. 

• Talk to an experienced kitchen designer if you intend to do more than a 

few hundred dollars of work. A good designer can guide you on layout and 

material choices and vendor selections, ultimately saving you more money 

than you are paying her, as well as helping you produce a great result with 

minimal hassle. 

• Think about how the room will be used. How many people will be cooking 

together? Is the kitchen intended solely for meal prep, or as a place for 

people to congregate? 

• Prepare a folder of inspiration and ideas. Clip pictures from magazines 

Pine Park 

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or photograph friends’ kitchens so you will have a jumping-off point to begin 

discussions with your designer or vendors. 

• Advance planning will save time and money. Once the project is underway, 

keep changes to a minimum. 

• Prepare a prioritized wish list, ranging from “must-haves” to “nice-to-haves.” 

Don’t get distracted by expensive bells and whistles that aren’t on your list. 

• Don’t forget the environment your kitchen will be in. Kitchens are more 

than just cabinets and counters; flooring and lighting are integral parts of 

the kitchen experience. 

Cabinet Types 

Can’t afford a complete kitchen 

overhaul? Give a tired kitchen Stock, semi-custom, custom…what 

a facelift by refacing cabinets 

— replacing just the doors but 

leaving the cabinets intact. 

are the differences? Many customers 

mistakenly believe that these terms describe 

the quality of the product. While 

there often are quality differences, the 

actual meaning of the terms refer to the 

degree of personalization each type affords. 

Stock cabinets, available in the manufacturer’s predetermined size variations, 

have no options for adjustments. Because they are pre-built, they are 

the cheapest option, and usually available with the shortest lead-time. However, 

they are limited to standard sizes. Have a 37” space? You’ll need to get 

a 36” cabinet and make peace with the gap. 

Semi-custom cabinets start off similarly to stock cabinets, in predetermined 

dimensions, but allow for certain variations in size and finish, allowing for 

a more customized, less cookie-cutter result. Because they are built to the 

customer’s specifications, they have a longer lead-time than stock cabinets, 

and are more pricey as well. 

Custom cabinets are built with no required size increments or other restrictions. 

They are completely customized to the client’s requested dimensions, allowing 

total design flexibility, accomodating odd sizes and specific preferences, and 

yielding the most unique result. While custom cabinets are the most versatile 

type, they are not necessarily higher quality than mass-produced cabinets. 


732.552.7518 

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@lightingdirectnj 

What to Know about windows 

This section has been prepared with the assistance of Hindy Weiser of Interiors by Lakewood 

Wholesale Blinds. 

Although many people consider window treatments to be a finishing touch, 

it’s actually important to think about them from the earliest planning stages. 

If you intend to mount your treatments inside the windowframes, you’ll need 

extra depth to your windows. Often, people pay for stylish mouldings, only to 

have to cover them when they realize that they didn’t allow enough depth to 

mount the window treatments inside the frames. 

Other pre-construction considerations include the 

width of the windows — if you don’t want to break If you want frosted 

up your curtains, don’t plan for windows that are windows, order them 

too wide. 

that way initially 

Also consider checking out window treatment options 

before deciding on paint colors. While paint 

rather than frosting 

after the fact. 

options are virtually infinite, fabrics are not, so 

you may have a more limited selection if you choose your window treatments 

after painting. As with most components of your house, planning and forethought 

in the initial stages can save time and money later on. 

Lighting the way 

This section has been prepared with the assistance of Abe Berger of Lighting Direct. 

When overwhelmed by the myriad lighting choices available, many people 

opt for the path of least resistance and put in spotlights. However, wiring 

each spotlight adds up, so sometimes the most economical choice is to leave 

in a builders-grade fixture and eventually upgrade to a permanent fixture, 

which can sometimes cost less than the spotlights. 

The dining room is usually the most expensive room in the house to light; 

budget $700-800 for its fixture, and roughly the same amount for everything 

else on the first floor combined. 

When building or renovating, most builders will include installation of lighting 


fixtures if they are present at the time the work is being done. Try to develop a 

lighting plan 4-8 weeks in advance to leave yourself ample time and save money. 

Moving in 

Summer is far and away the most popular time to move, as families are anxious 

to settle in before the school year and yamim tovim arrive. If you can 

schedule your move for the off-season, you may be able to negotiate a better 

price. Also, weekday moves tend to be cheaper — and easier to reserve — than 

Sundays. Book as far in advance as you realistically can; although you want to 

secure a good mover as soon as possible, remember that closings are often 

delayed, so don’t be too optimistic about your timeframe. 

• Label everything, and keep a list! The destination room and a number should 

appear on the top and sides of each box. When it’s jammed into a stack of 

identical boxes in your new home and you’re desperately looking for Shmuli’s 

spaceship pajamas in box 43, you’ll thank yourself. Bonus points for colorcoding 

each room’s boxes so the movers easily know where you want things. 

• Get lots of supplies. Figure out how many boxes you expect to need, and 

then get more — a lot more. People tend to underestimate how much space 

their possessions take up. If you are buying from a moving supply store, 

you can usually return unused supplies. 

• Keep track of valuables — if possible, take expensive items and papers 

with you in your car. 

You’ve moved in, you love it — and now you want to maintain that fresh feel 

and keep everything running in tip-top condition. Here are some pointers that 

will help keep your house and its contents in good shape and save you money. 

maintaining your home 

• When moving to a new house, immediately locate your water shutoff 

valve so you know where it is in case of emergency. 

• Change your filters regularly. Monthly changes are recommended, but if 

your family is small or usage low for any other reason, you can get away 

with waiting 2-3 months. Use cheap filters, changed regularly, rather than 


expensive ones. Neglecting to change your filters adds to your utility bills, 

because your HVAC will have to work that much harder to pump air through 

the dirt, and the resulting stress can cause mechanical problems. 

• Vacuum fridge coils twice annually. Your fridge uses up to 15% of your 

home’s energy, so you want it running at optimum efficiency. Vacuuming 

twice a year can save you as much as $100 in electricity. 

• Vacuum the exhaust duct of your clothes dryer at least once a year to 

prevent clogging and fire risk. 

• If your toilet is running constantly or flushing on its own, use the shutoff 

valve behind the toilet to prevent waste of water and money until it can 

be repaired. 

• Turn off your outdoor water supply before the winter. Water left in hoses or 

pipes can freeze, expand, and cause expensive burst pipes and water damage. 

Electrical maintenance 

• Bathroom exhaust fans were not made to run all Shabbos! Either install a 

timer or a continuous motor fan, or leave it off to avoid blowing the system. 

• Just because you’ve overloaded your circuits in the past with no problem 

doesn’t mean you will be able to do that with impunity forever. Any appliance 

using more than half of a line’s wattage (Think iron, blow drier, fridge, 

etc.) should be on its own line. Each GFCI outlet (the ones with reset buttons 

in the center) represents an individual line. 

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• Consider switching your light bulbs to fluorescent, or even LED. Giving 

much more light with much less energy consumption, these low-maintenance 

options will quickly pay for themselves. 

• The police department reminds us to change our smoke detector batteries 

when we change the clock, but don’t forget to test the detectors! Use a 

blown-out match or candle to make sure they actually detect smoke. 

Tile talk 

This section has been prepared with the assistance of David Schleifer of Groutworks. 

• Keep your eyes open when checking out a house. If you notice several 

cracked tiles, or grout missing in a few places, that could mean that the 

entire floor will need replacing. 

• Push the bottom of a shower tile wall. If it moves and is not solid this may 

require significant repair work or even require replacing all the tile, 

• For new construction homes always make sure bathtubs are caulked (not 

grouted) on all their edges both against the wall and floor or you may 

have a leaking issue. Caulk looks more rubbery, as oppose to grout, which 

looks and feels like cement. 

• Grout often gets discolored by the waste water from mopping; use plenty 

of water so that the water doesn’t become blackened and stain the grout. 

When done, dry tiles with a towel so the filthy water doesn’t have a chance 

to soak into the grout. 

• Since the dirty water begins seeping into the grout on contact, you may 

choose to seal the grout, which ensures that no dirt will penetrate before 

you have a chance to dry your tiles. 

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ASHER BRODT 732-905-5511 EXT 270 

BASSHEVA BERGER ............... C: 908-839-8920 

MIRIAM (MIRI) BERGMAN ....... C: 732-299-8214 

CIVIA CAHAN .......................... C: 917-744-8888 

SHALOM ELBAZ ...................... C: 732-239-1649 

YEHUDA FARKAS .................. C: 347-779-3604 

EFRAIM FEDER ..................... C: 347-628-6565 

SARAH FEINGOLD ............... C: 845-538-7014 

MIRIAM RUBIN-FELDHEIM ...... C: 732-503-6464 

ESTHER R BASCH (FISCHER) .... C: 732-966-5965 

SHLOMO FRIEDMAN ............. C: 732-540-2155 

ROCHELLE (SHELLY) GEMAL ..... C: 732-829-0876 

SAMSON (SHIMSHY) GENUTH .. C: 732-850-1016 

RAPHAEL GESTETNER .............. C: 732-763-9991 

CHANA (CHANIE) GROHMAN ..... C: 646-753-1340 

YOSEF JANKELOVITS ............. C: 908-783-1028 

MORDECHAI KLEIN ............... C: 732-833-3528 

MENUCHA LIEBB (FURMAN) .... C: 732-275-5052 

MALKA MANDEL .................. C: 917-755-4660 

EMANUEL MASHINSKY ........... C: 347-452-7530 

BLIMI MEISELS ...................... C: 732-325-4921 

YECHIEL MUNK .......................... C: 732-600-2423 

MALKY M SCHREIBER ............... C: 732-267-3430 

RESA (SHOSHANA) SHAPIRO .... C: 786-985-1081 

YEHUDA SPIRA .......................... C: 732-833-3436 

YISROEL SPIRA .......................... C: 347-675-0204 

YECHEZKEL STEINER ................ C: 347-870-9968 

CHAVIVA TEICHMAN ................. C: 908-910-9771 

CHAIM TEITELBAUM ............ C: 732-994-8000 

JOSEPH TZUBELI ................. C: 845-667-9922 

HINDY WEISS ....................... C: 732-773-4789 

ZEV WORCH ........................ C: 908-670-4469 

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SHRAGA FELLER ...................... C: 732-740-5176 

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O: 732.905.5511 | FAX 732.942.6658 

212 SECOND STREET | SUITE 405 | LAKEWOOD, NEW JERSEY 08701

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