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Property Spotlight: The Pearl in Edgewater, NJ


The Pearl offers ultra-luxury waterfront living in Edgewater. It is located in what was the Unilever Testing Laboratory. These loft style condominium homes are directly on the Hudson River Walkway in the southern most section of Edgewater in a new development zone known as Edgewater Harbor. This zone features the brand new Edgewater Borough Hall and Administrative Building, luxury retail shopping, restaurants and high end luxury residential rentals as well as this anchor residential condominium.

The original building was design in 1953 for Lever Brothers. It was completely gutted and redone from the inside out by Alan Tanksley Interiors, one of America’s leading residential designers.

res_Aspire_New_master_bedroom_copy.jpgThe Pearl residences consist of 68 luxury homes consisting of 1, 2, and 3 bedrooms and 8 penthouse units. Every home features a gorgeous, spacious backdrop of the NYC skyline. These homes feature soaring ten foot ceiling, state of the art opened kitchens, Subzero refrigerators, Wolf cooktops, ovens and microwaves with gas cooking, and Bosch dishwasher and washer/dryers. Each residence has the feel of sumptuous splendor and divine tranquility with details such as Caesar Stone counters, gorgeous hardwood flooring stained medium or dark to match the custom European style custom cabinetry in choices of Cocoa Natural Maple or Cocoa mixed with Italian Ivory high gloss or all white.

The 1 bedroom homes range from 872 to 1,090 square feet. The 2 bedroom homes range from 1,386 to 1,580 square feet. The 2 bedroom homes with dense are 2,031 square feet. The 3 bedroom homes are 1,806 square feet.

amen_pier_9535_hr_115_en.jpgThe Pearl’s amenities include 24-hour security, a full fitness center with stunning NYC views, a Club Room for lounging, an outdoor heating pool overlooking the NYC skyline and the Hudson River, opened landscaped gardens, fire pits, rooftop deck and lounge area, outdoor barbeque and eating area, a private pier for sunbathing and relaxation, and a dog rung shared with The View.

Transportation is also accessible from The Pearl. The George Washington Bridge is about 3.5 miles south on River Road and is accessible to NYC by NJ TRANSIT buses 158 or 159 which operate right on River Road. NYC is also accessible by ferry from the main Weehawken terminal or the Edgewater Marine, which provides a free shuttle service. Access to major highways is close by.

For more information or any available units at The Pearl, contact us today!

Lois Fein and John Schwartz Join Keller Williams Town Life Market Center


Lois Fein and John Schwartz, a long-time professional real estate sales husband and wife team from Edgewater, NJ with more than $145,000,000 in closed transactions have joined the Keller Williams Tenafly Market Center.

“We are ecstatic to have Lois and John join us here at the Tenafly center until the new Fort Lee City Views Market Center is opened, said Colleen Kossoff, CEO/Team Leader of Keller Williams City Views. “Keller Williams offers its associates unparalleled career growth and lifelong learning opportunities in the real estate industry. We know that Lois and John will be a great fit and that it is our customers who will truly benefit from Lois and John joining us.”

Lois and John have a combined 25+ years of real estate sales and prior to this, owned and then sold their IT Recruiting and Consulting Firms. Their entrepreneurial background prepared them for immediate success in this chosen fireld. Lois served on the Edgewater Borough Council, Planning Board and Housing Commission for many years and was instrumental in restoring ferry service to their hometown of Edgewater. Both Lois and John have received many awards over the years for their sales and other contributions to the industry. They have been the #1 Gold Coast Team for many years.

“We chose Keller Williams because of its reputation for integrity and its agent-centric business model,” says John Schwartz. “We are reenergized by this transition and promise to continue to serve our many clients in the best possible ways.”

To reach either Lois or John, call 201-741-2175 or 201-592-8900, visit their website (www.BergenHudsonGoldCoastRealEstate), find them on Facebook.

About Keller Williams Realty, Inc.
Austin-Texas based Keller Williams Realty, Inc. is the largest real estate franchise by agent count in the world with 700 offices and 125,000 associates across the Americas, Europe, Africa and Asia. In 2015, Training Magazine named Keller Williams the No. 1 training organization across all industries in the world.

Since 1983, Keller Williams has grown exponentially and continues to cultivate an agent-centric, education-based, technology-driven culture that rewards agents as stakeholders. The company also provides specialized agents in luxury homes, commercial and farm and ranch properties.

For more information, visit

Can You Be Denied A Mortgage Loan After Pre-Approval?

denied after preapproval

There’s a common misconception that you will be guaranteed a mortgage loan after being pre-approved. However, if you’re not careful, it is possible to ultimately be denied a mortgage loan. Before talking about the reasons why this can happen, let’s briefly run through the pre-approval process.

The pre-approval process is similar to the final approval process. Your credit scores, financial documents, income, debt and tax records will be checked. If all of these documents fit the mortgage lender’s requirements, you will be provided a pre-approval and the dollar amount for which you are qualified.  This is your ‘buying power’.  Of course, you do not have to borrow that amount.

Before providing a final approval, and after you have found the home you want to purchase, the actual, detailed approval process will begin. Your mortgage lender will re-check all of the previously submitted documents.  If there are any negative changes since they were last checked (e.g., you changed jobs, purchased something big, etc.), this could affect obtaining a final approval.  Some other examples are:

  • Negative comment on your credit report that may have resulted in a lower credit score;
  • Less income than previously reported;
  • Loss of any assets that helped you attain the pre-approval;
  • Significant rise in your debt level;
  • Changes in loan requirements such as a higher minimum credit score.

Finally, the mortgage lender will insist on an appraisal of the property to confirm it is worth the amount of the requested loan amount. If the appraisal does not come in at the same or more than the loan amount, then they have the option to deny the final loan or request the borrower to provide additional deposit money to offset the difference. This is something that is happening more in recent years as mortgage lenders tighten restrictions to protect their interests.

The key lesson here is to maintain the status quo between getting your pre-approval and final approval.  A final ‘desk check’ is done by the lenders a few days before the final commitment so don’t make changes in your job, use money in your savings account, reduce assets, or increase debt. Wait until you’ve gotten that final approval before buying all that new furniture.

We hope this information is helpful to you and look forward to guiding you through the entire home buying process from mortgage pre-approval to finding your ‘dream’ home, negotiating the best possible price to closing and beyond.  Contact us.  You can trust our professionalism and expertise.

– Lois and John