New Home Fix Up
We started out wanting a bigger home since we as a family were growing. We owned our condo in Jersey City Heights. Finally we found a home, finally we had a buyer. We jumped through every hoop and did everything right. As we we were closing we found that a lien existed on our title. We owed Jersey City $83000 at close. Why? The development group we originally bought the condo from didn't tell us that this would be attached to our property. They said they had a grant from the city and that is why they lowered the price. As incentive for middle class union workers. We had no idea and then we found out the whole building we live in also has the same issue. According to our contract this is supposed to be discharged, and according to our agreement after five years we should owe nothing... Jersey City is now saying that they "interpret" differently... we are seeking to fight this. We won't be victims. Now when we move into the new home we will have nothing. We need to make sure we have for our sons. We are not ashamed. We will attain a petition from the building and go from there. In the meantime if you can help we will be more than great full. Thank you.
James M. LaBianca
Assistant Corporation Counsel
City of Jersey City
280 Grove Street
Jersey City, NJ 07302
First let me thank you for helping us with a possible resolution for this upcoming December 14, meeting. I want to convey with all sincerity what we know and what we have been put through regardless of “interpretation” of our original contract.
My family on the day of close on November 23, 2011 had no knowledge of any lien or conveyance. We were offered the property at 268K, which we were told was lower than value because we were middle class, union workers and fit the income criteria, in accordance with Mayor Jeremiah Healey, “Live where you work program”, see attached.
At the day of closing we were not told about these mortgages, upon our title search we became aware in 2016 when we decided to put our condo for sale. New Jersey Housing and Mortgage Finance Agency
(NJHMFA), once requested, immediately sent us a discharge and basically told us that”... these programs were designed for families like our to be able to take stake and ownership…”, and for obvious reasons of my growing family we need more space and that “…was completely understandable...”
We then contacted Jersey City in a frenzy because we needed to close and were told that the contract, which clearly states, after 5 years, and if a buyer will live their primarily, then the lien will also be discharged. However, we were then told that this “…is interpreted differently…” by Jersey City. Our condo was sold as of November 30, 2016 and our real net profit after our down payment of 10k, if that, once we purchase our new home will be a possible profit of $460.00. Our Lawyer who misrepresented us and was untimely, didn’t help and walked away from our transaction prior to our close; after I tried to contact everyone I could in the city to help, we are left: embarrassed, exhausted and virtually homeless.
We didn’t make any “Real” money from our purchase, we are a family of five, both working middle class, union employees, with three children ages 8,6, and 1. How can I explain this to them?
I ask you and the committee to please rethink the discharge and do what is right by the tax payers who live in this community and are trying to get by.
I have attached an article that shows the city just one over the development groups, the money paid out to them, which is where our money the $83,333 was disbursed to.
I mention this because, the onus is on us for repayment however we never received this money. In addition on our purchase of sale it shows $268k. No additional value or mortgages were attached, yet we are held accountable. I feel this is a double dip on the residence of Jersey City who bought into the concept of “Live where you work” and seems fraudulent on the cities part.
My neighbors want to attend December 14, 2016 meeting. I would like your help in making this accommodation because what ever will happen to my family who I represent the: Chico’s at 1209 Summit avenue, Unit 414, Jersey City, NJ 07307 will set the precedence for my neighbors.
Please advise if you will assist, I have cc’d them on this email, including city council, city clerk, city lawyer and the mayor.
Please let me know when you receive our $83,333. into the Jersey City escrow account and if you need any further documentation.
Thank you again for your time.
Fanny Gerloven Chico,
The Chico Family
1209 Summit Avenue, Suite 414
Jersey City, NJ 07307
*** PLEASE NOTE ***
December 14th Meeting
City Council Meetings
In general, City Council meetings are held on the 2nd and 4th Wednesday of each month at 6:00 PM, unless otherwise designated.
Council meetings are open to members of the public, who are welcome to speak at the designated public comment times. Members of the public wishing to speak are advised to contact the City Clerk prior to the meeting.
Council caucuses are held on the 2nd and 4th Monday of each month at 5:30 PM, unless otherwise designated. The purpose of caucuses is to discuss agenda items for the upcoming meeting. Caucuses are open to the public, however, there is no opportunity for the public to speak. The Council may also hold closed caucuses during which the public is excluded. In addition, the council may hold a pre-meeting caucus one-half hour prior to any scheduled council meeting.
Note that all caucuses are held in the Efrain Rosario Memorial Caucus Room, City Hall, 280 Grove Street.