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Michael Santini Broker/Owner
(732) 469-2333

Golden Key Realty

1934 Washington Valley Road
Martinsville, NJ 08836
Phone: 732 469-2333

14 Plainfield Avenue
Piscataway, NJ 08854
732) 885-1188 Office
(732) 885-1230 Fax

Email: See Agents under More

Our Past...
At Golden Key Realty, we take great pride in being a family-operated business. Since 1972, our founder, Joseph Santini, pioneered the old-fashioned values of hard work and honesty as the cornerstone of our company. Today, his sons, Michael and David Santini, take great pride in continuing in their father’s footsteps. By adhering to the “Golden Rule”, our family of fine agents continues to strive to the utmost in personal service and commitment to our clients.


Our Present...
By combining our first-hand knowledge of our community, our deep understanding of the current real estate market and trends with state-of–the-art technology and unparalleled service we are ready, willing and able to meet all your real estate needs.


Your Future...
is our number one concern. Whether you are buying, selling, building, investing or renting we are prepared to listen to your needs, promote your interests and get the job done. We value our clients and know that working well together is the key to success.

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Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property only transfers to the land contract buyer on fulfillment of the land contract obligations.

A land contract can be helpful for those who need time to establish or improve their credit rating. There are only small closing costs, and payment can help establish a good mortgage payment record. This can help establish an overall good credit rating, and it is possible for the buyer to later refinance the land contract with a conforming loan.

On the other hand, there are risks associated with land contracts. Land contract purchases are not necessarily recorded in the public record, and there are no guarantees that the seller will be able to transfer a clear title to the buyer upon fulfillment of the land contract. There also is no lender assuring that the purchase price for the property is justified, and no inspection of the property’s condition.

Another alternative to a non-conforming loan is assuming the seller’s mortgage. By assuming a mortgage, if the mortgage is assumable, it is possible to save on closing costs, and may allow you to obtain a favorable interest rate.

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