Often before a bank will issue a mortgage or a refinance, they will ask that a "Condo Questionnaire" be completed by the Association.  These "Condo Questionnaires" are used by the banks to determine whether or not the Condominium Association meets there underwriting requirements for a loan.  I.e.  Does the Association have too much debt, too many rentals, not completely transitioned from the developer, etc.

These questionnaires can be quite extensive sometimes and are different from bank to bank.  As such Executive Property Management has arranged for a company called "Condo Certs" to complete these.  You may need to register which is free, however, there is a fee to complete condo questionnaires and the supply of documents.  Documents on their website can be downloaded immediately after payment.

If you or your bank needs a Condo Questionnaire completed for an upcoming mortgage or refinance, you can contact Condo Certs at:

https://www.condocerts.com/

Customer Support
Toll Free: (800) 310-6552
Local:       (480) 224-7559
Fax:          (602) 636-8354

CustomerService@CondoCerts.com

Please note some of the documents are available for free on the Ravens Crest East website.  Budgets, Annual Audited Financial Statements, etc.

Banks who are issuing mortgages or loan refinances, will often request evidence of the Association’s master insurance policy.  The Association has a master insurance policy which covers the buildings as well as restores the buildings back to the level of transition from the developer to homeowner.  The master insurance policy covers such things as fire, water leaks, etc. Homeowners also need to get insurance, which is called a HO-6 policy which typically covers other aspects except the buildings.  

These requests are handled by the Association’s insurance agency, BHB Insurance.

http://www.bhbins.com/

Toll Free:      800.596.5252
Direct:          732.349.2100
Fax Number: 732.349.0186

Mailing Address:
BHB Insurance Services
P.O. Box 2100
Toms River, NJ 08754-2100

You can make your request for evidence of insurance online through BHB’s website:

http://www.bhbins.com/evidence-request

There is no charge to provide the evidence request.  Email, Fax and Mail are available.

The following utilities service Ravens Crest East:

Utility	Name	Website	Phone
Electricity	PSE&G	http://www.pseg.com/	800-436-PSEG (7734)
Phone	Verizon (land line)	http://www.verizon.com/	1-800-VERIZON (1-800-837-4966)
FiOS	Verizon FiOS	http://www.verizon.com/fios/	1-800-VERIZON (1-800-837-4966)
Cable	Comcast	http://www.comcast.com/	1-800-XFINITY
Sewer	United Water at Princeton Meadows	http://www.unitedwater.com	201-767-9300

Please note that the cost of water is included in the monthly condominium association fee.

Ravens Crest East Condominium Association does not have natural gas.  Heat and Hot Water are all heated with electricity paid for by the individual resident.