Here is a list of our upcoming free real estate workshops starting with our Millionaire Real Estate Investor Workshop this Thurs

by Matthew Haviland

The Millionaire Real Estate Investor Workshop

Based on the best selling book, The Millionaire Real Estate Investor, this workshop goes through a systematic approach to investing in real estate.

Thursday October 28th 7 to 8 PM Northfield, NJ To register go to: http://www.jotform.com/form/2692416363

7 Options For Home Owners Facing Foreclosure

Learn what options are good for home owners facing foreclosure and what options to avoid. Don’t do anything without attending this free seminar first!

Thursday November 4th 7 to 8 PM. To Register For 7 Options For Home Owners Facing Foreclosure Click Here: http://www.jotform.com/form/2641656385

Winning With Foreclosures

Learn the ins and outs of buying foreclosed property. Learn how to be successful at purchasing bank owned and short sale properties.

Thursday November 11th, 2010 To Register For Winning With Foreclosure Click Here: http://www.jotform.com/form/2655117417

Your First Home, Buying By The Book Workshop First Time Home Buyer Workshop.

This workshop is based on the new book by best selling authors, Gary Keller, Dave Jenks and Jay Papasan. The workshop goes through the entire home buying process as well as covers current market trends, and financing opportunities.

Thursday November 18th, 2010 To Register For The Your First Home Workshop Click Here: http://www.jotform.com/form/2693333333

Please pass this along to anyone who may want to learn more about real estate.

Here are a few properties that are great buys. Please feel free to forward this email to anyone who might be interested. Reply back or call if you are interested in any of the properties. Contact us asap before these deals are gone.

Atlantic City- $29,000: 3 bed, 1. BANK OWNED

Egg Harbor Township- $154,900: 3 bedroom, 2 full bath. Quiet street. BANK OWNED

Galloway- $245,000: 5 bedroom, 4.5 baths, 1.8 acres, full basement. BANK OWNED

Egg Harbor Township- $249,900: 4 bedroom, 3.5 bath, full finished basement, 2 car garage. BANK OWNED

Ocean City- $321,800: 3 bed, 2 bath, BANK OWNED.

New Listings:

Egg Harbor Township – NEW CONSTRUCTION: 3 bedroom, 2 bath, 1 car garage, 1 acre lot, public water and sewer, 2 Zone heat and AC. Quiet street close to Somers Point and Ocean City.

Absecon – $249,900: 5 bedroom, 2.5 bath, tankless water heater, updated and move in condition.

Galloway – $139,900: Estate Sale: 2 bedroom, 1 bath on 10 acres, subdividable.

Galloway – $233,900: 4 bedroom, 2.5 bath ranch, Absecon Highlands.

Price Reductions:

Northfield – $239,900: Estate Sale. 3 bedroom, 1.5 bath, 2 car garage. Great quiet street.

Mays Landing – $209,000: 2 bed, 1 bath house and huge 25 x 60 garage on 16 acres!

Best wishes, Matthew, Richard, & Linda Haviland ~ Your Trusted Real Estate Experts For Life

Here are a few properties that are great buys. Please feel free to forward this email to anyone who might be interested. Reply back or call if you are interested in any of the properties. Contact us asap before these deals are gone.

Mullica Twp – $31,900: 3 bed, 1 bath single family. BANK OWNED

Galloway – $89,900: 2 bedroom, 1 full bath. Detached garage. BANK OWNED

Northfield – $140,000: 3 bedroom, 2.5 bath, basement. BANK OWNED

Mays Landing – $198,900: 4 bedroom, 3 bath, 2,800 square feet. BANK OWNED

Egg Harbor Township – $339,900: 4 bed, 2.5 bath Ballenger Woods property on 0.84 of an acre. Full finished basement, master bedroom with his/her walk in closets, stall shower and whirlpool bath, family room with fireplace, dining room, eat in kitchen with center island, laundry room with tub, 2 car attached garage and rear patio.

New Listings:

Egg Harbor City – $154,900: Estate sale, 3 bedroom, 1 bath, 1 car garage. Gas heat, central air.

Smithville – $189,900: 2 bed, 2 bath, 1 car garage, Four Seasons Adult Community, Pembrooke Village. Price

Reductions:

Galloway – $77,700: First floor one bedroom condo. Affordable fees. Quiet development.

Galloway – $109,000: Perfect completely remodeled first floor condo. 2 bedroom, l large bathroom, dining area.

Hammonton – $169,900: 3 bed, 1.5 bath. 1 car garage, gas heat, central air. SHORT SALE.

Best wishes, Matthew Haviland ~ Your Trusted Real Estate Experts For Life ~ 609-484-9890 ext. 132

Should I Short Sale My Home?  Or Let The Bank Foreclose?

In Atlantic County, NJ real unemployment rate is currently 23%.  Nearly one in four household are currently effected by our unemployment.  Nationwide over 7.2 million people are facing a financial hardship and are in danger of loosing their home.  The question that many home owners have is should let the bank foreclose on my home or should I short sell the home? 

First of all if the bank forecloses on a home this severely effects the home owners credit score.  It will take 7 years to recover from a foreclosure in most cases.  One thing many people don’t realize is that the bank may issue a “deficiency judgment” against the home owner to collect the money owed to the bank.  In some cases the bank issues a “wage execution order” and garnishes the pay check of the home owner until the money is paid back.  This can financially cripple the home owner for a long period of time. 

What is a short sale?  A short sale is when a home owner has a financial hardship and sells the home even though they owe more than the home is worth. Our team uses the area’s premier short sale attorney to negotiate directly with the bank and protect the home owner throughout the process.

In a short sale a home owner’s credit score will drop around 100 points.  Credit will be effected for about two years.  Our legal team protects the home owner from any deficiency judgments so that there will be no further debt obligation.

The bottom line is that going through foreclosure is severly financially damaging and will effect a home seller for a long period of time.  In a short sale the home owners debt is forgivven and the home owner can recover financially in a few years.

If you know of anyone who is facing a financial hardship and in danger of loosing their home please call me.  I will be glad to discuss their options and help them minimize the financial damage they may be facing.  Call me at 609-484-9890 ext. 132.

Best wishes,

Matt

Over the last several months I have had several people contact me in need of selling their investment properties.

The problem was that they owed more than the homes were worth.  That’s where a short sale comes in.  You may not know that a short sale can work for investment property and not just for a primary residence. 

With a short sale we have to prove that the seller has a financial hardship that requires them to sell the home.  Perhaps the rent amount is not sufficient to cover the carrying cost of the home.  Perhaps a loss of job or medical condition requires the home to be sold.  Our team works with the areas leading short sale attorney.  We provide a checklist with all the documentation required so that our clients can fill this out and get it to the attorney even before we have a contract on the home.  The attorney will use the documentation to prove the financial hardship and negotiate with the bank to take less than what the seller owes.

As with any short sale, the process will take a long time – usually 90 days to get an approval from the bank.  Because the property is a second home the bank may place a deficiency judgment against the seller for the balance of what is owed.  Our attorney works to make sure that there is no further liability to our clients in this case.  Also the short sale is more likely to go through if there is just one mortgage on the property or both mortgages are with the same bank. 

The bottom line is a short sale can work for sellers in need of selling an investment property or second home.

Our team helps home sellers, buyers and investors in the Atlantic County and Atlantic City area.

You can reach me at 609-484-9890 ext. 132.

Thank you and best wishes, Matt

Here are a few properties that are great buys. Please feel free to forward this email to anyone who might be interested. Reply back or call if you are interested in any of the properties. Contact us asap before these deals are gone.

Atlantic City – $22,225: 2 bed, 1 bath single family semi detached. BANK OWNED

Galloway – $159,900: 3 bedroom, 2 full bath, 2 half bath, finished basement, large home, one acre. BANK OWNED

Egg Harbor Township – $245,000: 4 bedroom, 2.5 bath, Family room, 2 car garage, full basement. BANK OWNED

Egg Harbor Township – $127,500: 3 bedroom, 1.5 bath, 1 car garage, single family, gas heat, central air. BANK OWNED

Mullica Township – $354,900: Incredible dream home. 5 bedrooms, 4 full bath, 1 half bath, 3755 square feet, basement and two car garage on acreage. BANK OWNED

New Listings:

Egg Harbor Township – $200,000: 3 bed, 2 bath, full basement, quiet street, 3/4 acre lot.

Price Reductions:

Galloway/Smithville – $94,500: 1 bedroom first floor condo.

Galloway – $83,000: First floor one bedroom condo. Affordable fees. Quiet development.

Galloway – $117,000: Perfect completely remodeled first floor condo. 2 bedroom, l large bathroom, dining area.

Northfield – $249,900: 3 bedroom, 1.5 bath, 2 car garage, quiet and beautiful street.

Absecon – $124,900: 2 bedroom, 1 bath, 1 car garage.

Call me at 609-484-9890 ext. 132 if you or someone you know may be interested in any of these properties.

Best wishes, Matt