Attention Condominium home buyers.  The following condominiums are currently approved for Zero Down Payment 100% financing with no mortgage insurance premium.  This helps keep the payment low and makes the home more affordable.  Affordability is at an all time high and the opportunities for condo buyers are excellent in today’s market.

As of 2/10/2012 Lincoln Mortgage is able to finance in the following
Condominiums under USDA, subject to condo project having at least 51% owner
occupancy ratio. Condo list is under constant review and subject to change at
any time.

Bayport 1 and 2 –  Egg Harbor Township
Chatham Village Condo I and II – Galloway
Club at Galloway – Galloway
Club at Mattix Forge II and III – Galloway
Harborwood -Hammonton
London Court II – Egg Harbor Township
Mallard’s Landing – Galloway (Smithville)
Mattix Crossing – Galloway
Mays Landing Village – Hamilton Township
Meadowbrook – Hamilton Township
Oxford Village Condo – Egg Harbor Township
Pebble Creek – Hamilton Township
Pheasant Meadows I and II – Galloway (Smithville)
Pine Toft – Galloway
Ryan’s Ridge – Galloway
Society Hill I, II and III – Galloway
Timber Glen – Hamilton Township
Victoria Crossing – Hamilton Township
Victoria Manor – Hamilton Township
Village at Harding Run II – Hamilton Township
Wayland Village I and II – Galloway
Woodlands – Hamilton Township

If you would like a list of approved condos please contact Matthew Haviland at 609-484-9890 ext. 132.
This list is provided by:

Juan Jordan
Mortgage Loan Officer
609-484-3285
Lincoln Mortgage
NMLS# 589187

I’d like to take a moment to introduce you to my friend Audrey Filardi and her business.

Audrey does traditional massages at her home studio in Sweetwater and will travel to a client’s home so they can receive a massage in the comfort of their own home.

Audrey is one of very few people qualified to do a different kind of massage called WATSU (water therapy).  The watsu sessions are currently conducted at the Atlanticare LifeCenter in Egg Harbor Township, NJ.

The water therapy is very effective for people with chronic pain, arthritis, fibromyalgia, back pain and sleep problems. It is even great for pregnant mom’s as it is more comfortable for the expectant mother.

Did you know that more than half the population in this country suffer from chronic pain? A multitude of studies have proven that massage is very effective for reducing and alleviating pain. Imagine all these people suffering needlessly, all they need to do is get regular massages.  If you know of anyone who is in pain please call Audrey.  Her contact information is listed below:

Audrey Filardi

Full Circle Wellness LLC

Sweetwater, NJ

609-965-7229

www.fullcirclewellness.abmp.com

Invest In Real Estate

We have just added a new section to our webiste.  Our Investor Club gives you access to great tools and resources to help you achieve your investing goals.

There has never been a better time to invest in real estate than right now.  We have the resources and tools to help investors succeed in today’s real estate market.  Please fill out the form below to receive access to our Investors Club site.

Here are some great tools for investing in real estate for Members of the Club:

Buy and Hold Spreadsheet For Investors

Buy and Sell Spreadsheet. Flip analysis tool

MREI Investor Criteria Worksheet

Flip: The Must Dos

Flip: The Should Dos

50 Steps To Fixing Up A Home

The 101 Most Common Tasks In Flipping A Home

Go to our investor page now to register and receive access to our investors only secure site.  Go to https://sjhouses.com/invest

• Bring your membership card, business cards, pen, tablet, etc!
• If you didn’t get around to all the business affiliate tables at the general meeting?  Check out our vendor/speaker table for great info from those who sponsor our association.
• SJREIA accepts cash, check, Visa, Mastercard, Amex and Discover.
• Cost of $15 (members) / $25 (non-members) includes dinner without crab legs, beverage, tax, tip, presentation and private room.  Most importantly:  networking!
• All attendees must pay; no ‘meeting only’.
• Visitors who join later during the same night get $10 credited to SJREIA membership which is $125 for the year.
• We want YOUR advice!  Please tell us what topics you’d like to see presented this year at ACSG.  Send your advice and topics to Subgroup Carol Milk at atlantic-subgroup@southjerseyinvestors.org

Our new online workshops are now available visit our SJHouses.com and click on University or go to university.sjhouses.com

Topics covered are:

Online Workshop Schedule

Zero Down! Fact or Fiction? The Truth About VA Loans!

More classes will be added soon!  Happy New Year from all of us at The Haviland Group and SJhouses.com.

We wish you and your family a wonderful Thanksgiving!  We are blessed to have such great friends, family and clients.  Here is a photo with my wife Katrina and our son Miles.

Best wishes,

Matt

Here are a few properties that are great buys in Atlantic County, NJ.  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.
^^^^^^^^^^^^^^^^^^^^^^^^ UPCOMING WORKSHOPS^^^^^^^^^^^^^^^^^
Winning With Foreclosures.  Learn the ins and outs of buying foreclosed property.
Thursday November 10th, 2011 Register at:  http://foreclosure.sjhouses.com
^^^^^^^^^^^^^^^^^^^^^^^^ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Egg Harbor City – $59,900.  3 bedroom, 2 bathroom single family.  BANK OWNED
Absecon – $63,900.  4 bed, 2 bath, single family with basement.  BANK OWNED
Galloway – $75,000.  2 bed, 2 bath move in ready updated condo.  SHORT SALE
Egg Harbor Township – $125,000.  4 bed, 2.5 bath. Detached garage.  Set up as two 2 bed duplex.  BANK OWNED
Egg Harbor Township – $130,000.  3 bed, 2 bath ranch with 1 bed, 1 bath in law set up.  SHORT SALE
Ventnor – $145,981.  DUPLEX.  two 2 bed units.  BANK OWNED
Hammonton – $192,900.  4 bed, 2.5 bath, 1 car garage.  BANK OWNED
Egg Harbor Township – $249,900.  4 bed, 2.5 bath, 2 car garage, full basement, family room with fireplace.  BANK OWNED
Atlantic City – $299,000.  INVESTMENT PROPERTY.  10 rooms for rent, one 1-bed apartment, one 2 bed apartment, one 4 bed apartment, 1 retail store.  BANK OWNED.
LEARN THE INS AND OUTS OF BUYING FORECLOSED PROPERTIES LIKE MANY OF THESE AT OUR WORKSHOP ON THURSDAY AT 7 PM.  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 10th, 2011 To Register For Winning With Foreclosure Click Here: http://foreclosure.sjhouses.com.
Best wishes,
Matthew Haviland ~ Your Trusted Real Estate Experts For Life
P.S.  Please forward this to anyone who may be interested or reply back to let us know who might benefit from receiving our best buy list and class schedule.

Hi Friends,

Do you know anyone renting or living with family members?  This is the perfect time to buy your first home… Please pass the word along.

We’ve got $15,000 grants available now for down payment and closing costs.
Extremely low interest rates.
Plenty of homes to choose from.
Low home prices.

Here are more details on the Grant program:

The Atlantic County Grant Program for first time home buyers has money available now.  Typically this money will be gone by January or February.  This is a great program for first time home buyers in Atlantic County, NJ.

The grant provides up to $15,000 for first time home buyers to cover down payment and closing costs.  First time home buyers are buyers who have not owned a primary residence in the last three years.

If you or someone you know would like to take advantage of this opportunity before the money is gone.  Please contact me immediately at 609-338-3773.

Here is a list of communities that qualify for the grant money:

Galloway, NJ

Absecon, NJ

Egg Harbor City, NJ

Pleasantville, NJ

Mullica Township, NJ

Hammonton, NJ

Egg Harbor Township, NJ

Hamilton Township, Mays Landing, NJ

Northfield, NJ

Linwood, NJ

Somers Point, NJ

Brigantine, NJ

Ventnor, NJ

Margate, NJ

Longport, NJ

Estell Manor, NJ

Beuna, NJ

Atlantic City, NJ*

(*Please note Atlantic City has a separate grant program)

For more detailed information and eligibility requirements please call me at 609-338-3773.

Best wishes, Matt