As a real estate agent I often get asked from buyers or sellers should I hire an attorney? In NJ having an attorney is not required. Here is my list of 5 reasons you should consider hiring an attorney.
- Real estate agents can’t give legal advice. Real estate agents can go over the contingencies of a contract but they can’t give legal advice. Only an attorney can advise you on legal matter.
- Inspection Negotiations. Attorneys can help in negotiating acceptable inspection terms. Often a well drafted letter from an attorney can be more well received if it is coming from an attorney rather from an agent or home buyer or seller.
- Review of contract terms. Your real estate agent will most likely be using standard New Jersey Association of Realtors contract forms. These work well for most homes however every home and circumstance is unique. It’s wise to have an attorney review the terms of the contract during the three day attorney review period once the contracts are fully signed. During this time an attorney can cancel, or revise a contract on behalf of a home buyer or seller.
- Review of contract deadlines. Attorneys will also help keep track of important deadlines in a real estate transaction to help ensure your agent does not miss any important deadlines.
- Problems at the closing table. At the day of closing there can be problems. In my experience there are two common problems. The first is the seller not moving out all their personal items in time for closing and the second is repair issues. Sometimes a new repair issue is discovered at closing. For example the air conditioning is not working properly. An attorney can help successfully negotiate agreeable terms for the buyer and seller and make sure they are legally protected if such a problem would occur at closing.
At the Haviland Group we are blessed to have an attorney as one of our real estate partners. We recommend Jim Schroeder as a great real estate attorney. Jim has also helped many of our clients with the successful negotiation of short sales. We also have several other attorneys we can recommend depending on your location and circumstances. Contact us and we’ll be happy to recommend an attorney for you.
When it’s time to buy a home, chances are you’ll need to find a lender and get a mortgage approved. It’s ideal to know ahead of time the maximum amount you’ll qualify for from your chosen lender. After you know how much of a loan you can get, and you begin house hunting, you’ll need to find out just how much a house will cost before you make an offer. So, how do you figure this out you may ask? This is where mortgage payment calculators come in.
When you can plan a budget before you buy a home you can save yourself a lot of time and potential money. By providing some basic information about a listing you’re interested in, with a mortgage payment calculator, you can get an estimate of the overall costs of a property, or several properties if you’re looking to compare.
Mortgage Payment Calculator for Atlantic County NJ
As an online resource, mortgage calculators can also give you an idea of what type of loan you may want to apply for. Through showing you variables, which impact mortgages such as interest rates and down payment amounts, you’ll be equipped to determine the best home loan budget for you. With the help of a mortgage payment calculator for buying a house in Atlantic County, NJ, you can get insight into what to expect, including taxes or HOA fees if they’re applicable.
As a home buyer, one of the best decisions you can make is to educate yourself about the process and how each step will affect you. You’ll have a lot of decisions to make; these are major financial and lifestyle decisions worth taking the time to understand so you can buy with confidence and be happy in your new home. When you utilize a tool such as a mortgage payment calculator you give yourself a valuable resource, knowledge.
You can find mortgage calculators through different lender and real estate sites, or check out the mortgage calculator below to begin. When it’s time to buy a home, work with a Realtor® who has a passion in helping their clients find solutions towards achieving their home dreams. Get the conversation started with Matt Haviland, give him a call today at 609-338-3773 or send him an e-mail. The Haviland Group and Keller Williams Realty are here to help you find the right home from start to finish.
Atlantic County, NJ Real Estate Market
Here is a quick overview of the Atlantic County, NJ real estate market using data from June 2018 and comparing it to June 2017. The data is divided into three categories: Single Family homes, townhomes and condos, and Adult Communities. For all categories inventory is down and days are market are down. Median sales price is up 7.4% for single family homes and 9.9% for condos. Of course all real estate is local so if you want to know what’s happing in your neighborhood or city please contact me. I can provide this report on a city level and also provide data for your local neighborhood. You can download a PDF of the report here: AtlanticCountyMarketReport
I want to say thank you for my friends, family past clients and all the wonderful people I was able to help in 2017. I was able to achieve the NJ Circle Of Excellence Award Silver level. My business is almost 100% referral based so I want to thank all of the people who felt comfortable and confident referring me to the people that they care about. Thank you and I look forward to another fantastic year in 2018! Matthew Haviland
Matthew Haviland, Jim Schroeder, Richard Haviland, Linda Haviland: The Haviland Group
We are pleased to welcome a new partner agent to The Haviland Group. Jim Schroeder has been a long time friend of the Haviland family and personal legal advisor to our family and many of our past clients. Jim is a licensed real estate agent and attorney. This allows him to use his incredible legal knowledge to help our clients in their real estate needs.
Jim is the owner of the Schroeder Law Group, a law firm with offices in Hammonton and Egg Harbor City, New Jersey. Jim devotes a significant portion of his practice to real estate issues, especially counseling those in distressed situations and helping real estate investors get started. He serves as attorney for the Land Use Boards in Hammonton, Galloway and Estell Manor. Most importantly Jim is an all-around great guy, and a man who values family and faith. Jim is involved in many local charities and organizations helping them improve our communities. We welcome Jim to our real estate team at the Haviland Group.
These words from an unknown poet remind me to be thankful on Thanksgiving and all the other days, too.
Be thankful that you don’t already have everything you desire.
If you did, what would there be to look forward to?
Be thankful when you don’t know something,
for it gives you the opportunity to learn.
Be thankful for the difficult times.
During those times, you grow.
Be thankful for your limitations,
because they give you opportunities for improvement.
Be thankful for each new challenge,
because it will build your strength and character.
Be thankful for your mistakes.
They will teach you valuable lessons.
Be thankful when you’re tired and weary,
because it means you’ve made a difference.
It’s easy to be thankful for the good things.
A life of rich fulfillment comes to those who are also thankful for the setbacks.
Gratitude can turn a negative into a positive.
Find a way to be thankful for your troubles, and they can become your blessings.
I love the thought that Thanksgiving is less of a meal and more of a mindset. May your Thanksgiving be filled with friends, family, love and all that is important to you.
P.S. We are grateful to our friends, family and clients for their support of our real estate business and we always have time to help new clients. Who do you know that would benefit from our help? Please send me a message to let me know.
If your like me your pets are part of the family. We love our pets, but they can be expensive to care for, especially as they age. You never want to have to choose between your pet and your bank balance, so consider these simple tips for saving money while keeping Fido or Fluffy healthy and happy:
Our Family Springer Spaniel Marta
Get regular checkups. The money you spend on vaccinations, spaying/neutering, and
routine medical care will pay off in preventing more expensive illnesses later.
Groom at home. Lots of grooming—brushing, washing, clipping claws—can be done
on your own. Also learn to do the unpleasant tasks of cleaning ears and anal glands.
Get annual dental care. Talk to your vet about keeping your pet’s teeth clean and
preventing infections. Dental problems are one of the leading causes of dog or cat
health problems as they age.
Did you know there are approximately 25,000 dryer fires every year in North America, and most of them occur because lint builds up in the dryer or the exhaust duct?
A lint-clogged exhaust duct can also push warm, moist air into your wall cavities and attic, encouraging mold growth and potentially starting a fire! Here are some tips for preventing lint fires.
Remember to clean the lint screen before or after drying each load of laundry.
Using a vacuum attachment, vacuum out the lint screen housing.
Carefully pull the dryer away from the wall and remove the duct that connects your dryer to the duct in your wall. Vacuum out the back of the dryer, the dryer duct, and the wall duct as much as possible, using a long vacuum attachment. Take care when reattaching the duct and pushing the dryer back into place that the duct does not detach from the wall or dryer, and that it doesn’t kink or crush.
Clean the dryer vent cover on the outside of your home by removing any blockage and lint. Vacuum out the vent as far as you can using a long vacuum attachment. Turn the dryer on when you are finished and make sure that you feel the exhaust air from the dryer exiting your home.
Keep the area around the dryer clean and free of clutter. If you suspect the vent has built up lint that you can’t get out, remove and replace the vent with a new piece.
To view and download my September Newsletter full of great tips and articles click here: september-newsletter-matt