Service Areas
About Tolga (Tony) Erzene
OTHER LANGUAGES
Community Involvement
HOBBIES/INTEREST
FAMILY
Credentials
LICENSE
Designation
PSA (Pricing Strategy Advisor)
Pricing Strategy Advisor (PSA)
Specialties
- Sellers
- Buyers
- Residential Property
- Commercial Property
Luxury Homes, Lake Homes, First-Time Buyers, Downsizing, Relocation, Move-Up Buyers, Short-Term Rental Investors. Sussex County Real Estate Expert – Specializing in Sparta, Vernon, Newton, Andover, Warwick, and lake communities. Top 5% producer with Keller Williams. Known for fast sales, strong negotiations, and a personalized approach.
Awards
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2026
TOP 25 AGENT
New Jersey
2026
TOP AGENT
Highland Lakes, NJ
2026
TOP AGENT
Montague, NJ
Other Awards
Circle of Excellence Award Winner
FAQ
Answered Questions
Yes, you can absolutely use family gift funds toward your down payment, but the lender requires a clear paper trail: the money must come from an immediate family member, be accompanied by a signed gift letter stating it's not a loan, and be transferred by check, wire, or direct deposit (never cash) with documentation showing the donor's withdrawal and your deposit; ideally the funds are deposited at least 60 days before closing so they appear " seasoned,aEUR? though many lenders also allow the gift to be wired directly to the title company at closing, so the best way is to have your family transfer the funds in a traceable manner, complete the lender's gift letter, and provide all proof of transfer to keep everything clean and approved.
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