Haviland Group Day At The Zoo 2013

Thank you to all who came out to our fun day at the zoo on Saturday. We had a great turnout, fun times, perfect weather and awesome food from Moe’s.  Our photo scavenger hunt was also a big hit.  Here are some photos of the event!

Congratulations Day At The Zoo Winners!

The East Family

Winner of a 4 Pack of Phillies Tickets

The Bocelle Family and The Sesta Family

 Photo Scavenger Hunt Winners of an American Express Gift card.

Thank You To Our Day At The Zoo Sponsors

For us to create an exceptional experience for our clients we rely on having great people on our team.

Thank you to Juan Jordan of Meridian Bank

732-423-6494

Andrew Woshnak of Surety Title Company 609-677-5508

Attorney James Schroeder 609-828-7180.

Thank you for providing excellent service for our clients and helping us create a great experience at our Haviland Group Day At The Zoo.

It’s A Sign Of The Times!

 

on-the-edge-mdIt’s a sign of the times!

Most of us grew up thinking that if we planned well and played by the rules, we’d never have to stand by as our financial lives unraveled.

But upheaval on Wall Street, unacceptable rates of unemployment and plummeting real estate values have taken their toll.  Since 2007, 7.9 million homeowners have lost their homes to foreclosure. Current estimates are that one in four homeowners owe more on their mortgages than they could get from the sale of their home. Millions more homes will be lost to foreclosure before this real estate crisis runs its course.

The sad fact is that foreclosure is not an isolated event. For months leading up to the loss of a home, financially strapped homeowners live under a cloud of uncertainty.  And then for many years afterwards, the blow to credit gets in the way of buying another home or buying anything on credit. Foreclosure even complicates employment prospects.

The impact of foreclosure is huge and the sad fact is that it’s often avoidable.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially strapped homeowners with options to foreclosure, ensure that they steer clear of scams, and help navigate them through the solution that best meets their needs.

Among the most important facts to keep in mind: the sooner help is sought, the better the options.

These are tough times, but more help is available than ever before. If you or someone you care about is ready to navigate away from the dark cloud of an unmanageable mortgage and realize that hope and blue skies are within reach, contact me today and let’s get started.

I put together a free report on options for home owners.  Click here to get a copy:  https://sjhouses.com/10options

Matthew Haviland 609-338-3773

Great News For Home Buyers In Galloway Township, Egg Harbor Township, and Hamilton Township, NJ

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Congress Extends Rural Definition Until September 30th, 2013.  This means that home buyers in Galloway, Egg Harbor Township, and Hamilton Township can continue to buy homes with Zero Down Payment and low fixed rate 30 year home loans through USDA.  This has been a very popular loan program allowing home buyers to purchase with no down payment.  Interest rates are also low and fees are low allowing for low monthly payments.

This morning, Congress passed an FY13 Continuing Resolution (CR) to keep the government funded loan program through the end of the fiscal year. The CR includes a specific provision that extends eligibility for all rural communities that are currently eligible until September 30, 2013.

This gives rural advocates more time to build cosponsors for H.R. 858, the Rural Housing Preservation Act. So, please remember to ask your Representatives to cosponsor this bill to ensure that more than 900 rural communities can remain eligible for USDA Rural Housing programs.

If you would like more information on home loan options call for a FREE RECORDED MESSAGE:  (888) 856-3579 ext. 1

Best wishes,

Matthew Haviland

Your friend in the real estate business who can help the people you love.

 

903 Harbour Cove, Somers Point, NJ 08244. Harbour Cove Condominiums

New Listing For Sale:
Lovely waterfront 2 bedroom, 2 bath condo facing the lagoon. Open layout with laminate wood floor throughout. Dining area and living area with gas fireplace lead to new mahogany deck overlooking the lagoon. Modern kitchen with Jenn-Air appliances, corian countertops and built in wine cooler. Master bath with whirlpool tub. Fresh paint throughout. Features, with stove, microwave, hot water heater, and newer washer. Pre-home inspection complete and all items have been addressed.  For more details call 609-338-3773.

Hurricane Sandy Relief Events In February

FYI and those interested :

1. Thursday 2/7/13 7 pm John Amodeo and Chris Brown & more at the Brigantine Republican club for Hurricane Sandy issues. Meeting at the Cellar 32, 2ndfloor. The Cellar is behind and to the left of the new CVS near the lighthouse as you come into Brigantine Ave. It’s Home made sub night at the meeting.

2. Lawyer Joseph A. Porcelli of Toms River is having two free 2 hour seminars for those home and business owners who want information on Sandy claims. Friday 2/8/13 at the Atlantic County Library , Egg Harbor Twp, 1 SwiftAve. EHT NJ -8234. Times are 9:30-11:30 AM 2/8/13 and 1:30 to 3:30PM 2/8/13. Space is Limited. He asks that people call or email in advance for attendance: Phone: 732-244-4451 or 877-529-9191 or email at SandyClaims@AttorneyPorcelli.com.

Best wishes, Matt

Is it too late to do a short sale? What are your options when Sheriff sale date is posted?

I was introduced to a home owner last week by a past client of mine that I successfully helped avoid foreclosure. I called the home owner and found out that he was in foreclosure and had missed several years of payments. I gave him some information about his options because he was unsure of what to do.

Time Is Running Out For Homeowners In Foreclosure.

A week later I called to follow up and he told me that he had already received notice that the sheriff sale date was posted. I immediately arranged a complementary legal session for him with our attorney. The attorney advised that short sale was most likely not an option and perhaps bankruptcy would be the only think that could delay the foreclosure.

There are over 12 options to stop foreclosure however most home owners are only aware of one or two options.  If you or someone you know is facing foreclosure please contact me now at 609-338-3773. I will give them a copy of my free report 12 Options To Stop Foreclosure In Its Tracks and also an article entitled How To Avoid Getting Conned By Foreclosure Scams.

For homeowners who don’t wish to keep their home I can also do a complementary phone consultation to determine if a Short Sale is an option for them.

There are options to avoid and stop foreclosure. However if homeowners wait too long to seek help you may have little or no options left. Please call me now if you or someone you know needs help at 609-338-3773. Best wishes, Matthew Haviland

Atlantic County Grant Program For First Time Home Buyers Now Available up to $15,000

Photo of moneyThe Atlantic County Improvement Authority has grant money available for first time home buyers right now.

Grants of up to $15,000 can be used for down payment and closing costs.

Here is what you need to qualify:

HOUSEHOLDS

1. Who have resided in Atlantic County, NJ for the last 12 months or are employed in Atlantic County.

2. Who have not owned a home for the last  three years.

3. With acceptable credit history and the ability to obtain an approved mortgage.

4. With incomes below 80% of Median income:

# of Household  Members 80% of Median Income
1 Person. $40,400
2 Persons $46,200
3 Persons $51,950
4 Persons $57,700
5 Persons $62,350
6 Persons $66,950
7 Persons $71,550
8 Persons $76,200

If you feel you may qualify for this grant program please call Matthew Haviland at 609-338-3773 for more details.

Atlantic City Area and Atlantic County Temporary Rental Housing Needed After Hurricane Sandy

Our office has been contacted with many requests for temporary rental housing.  As home owners return to their homes this demand will most likely increase over the next few weeks.

If you own a home that is currently vacant and are willing to help the community during this difficult time by renting your property, please contact me at 609-338-3773.

Matthew Haviland