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Vernon Office
Address244 State Hwy 94,
Vernon, New Jersey 07462PhoneFax -
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Pompton Lakes Office
Address58 Colfax Avenue #1,
Pompton Lakes, New Jersey 07442PhoneFax -
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Law Offices of James C. Zimmermann locations:
Ratings & Reviews
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I’ve worked with Mr.Zimmerman on two different legal issues. In both instances he was fantastic! He is extremely knowledgeable and compassionate and able to breakdown a course of action into language anyone can understand. I would highly re...
Show MoreI’ve worked with Mr.Zimmerman on two different legal issues. In both instances he was fantastic! He is extremely knowledgeable and compassionate and able to breakdown a course of action into language anyone can understand. I would highly recommend him to anyone.
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I highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips o...
Show MoreI highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips on negotiating. I found his fee to be more than reasonable espcecially given the incredible availability he provides. In addition, he's very flexible, and he has first-person experience with various trade workers, so that when we needed to have some feature evaluated, it was arranged lightning fast. The fee was reasonable, the results were thorough and the outcome was extremely good. I was, honestly, like a babe in the woods in navigating this transaction, but with Jim taking the time to walk me through everything and explain/answer any questions I had, it was a completely pleasant experience. And I got the property I wanted for the price I was willing to pay. Let's not overlook the staff: totally helpful and knowledgeable. 5 Stars in my book.
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- posted: Oct. 19, 2017
- Jim Zimmermann
- home ownership
Yes, you can still buy a house after a bankruptcy filing. Filing bankruptcy discharges your debt and can make you a better mortgage candidate. There is no law that prevents you from buying a home after bankruptcy. Mortgage lenders want to see a minimum of twelve months of performing credit after bankruptcy. It is this waiting period that people equate to a bar on buying a home. Lenders merely want to see that you have your finances under control. Your bankruptcy will make you a better candidate because your qualifying ratios will not be bogged down by the scheduled payments on your discharged debts. This means that the lender can consider that your income is no longer tied by having to make these old payments. Essentially, a lot more of your income is now yours again, it can be used to pay a mortgage payment.