How Does Someone Create a More Interesting Life?

I was reading a blog post that asked people how they would define an “interesting life” for themselves. After reading the responses, I thought I’d share one with you that I particularly liked.

Having an interesting life doesn’t mean it has to be interesting to anyone else. It also doesn’t mean you have to do the typical things most people associate with being interesting, such as travel.

Beach-at-sunsetThe definition of the word interesting, in application to life, is different to everyone.

I have done things such as swim with dolphins, ride a horse along the beach, rappel down a steep cliff, star in high school plays, have my picture in the newspaper, ride home on the first train of morning because I missed the last train the night before, roll around in a large plastic ball on water, walk on stilts for a circus company, teach a college course, sew my own clothing, make actual useful things in woodshop, and more. The list of random things goes on and on.

Are these things going to make me famous? No. Are they exciting enough to make a book out of? Probably not. Do you think any of those things are interesting at all? I have no idea. But I feel I’ve had an interesting and meaningful life so far.

Sometimes what we think of as interesting is some external idealized life. But if you listed all the things you’ve done in your life, I’ll bet you’d have a fairly long list of things that you found interesting at the time, and even more so in hindsight. From that list, you may find yourself feeling motivated to do something a little different to recapture that feeling of doing something interesting. Go for it!

Sincerely,

Matt Haviland
Your Real Estate Consultant For Life

P.S. I’m amazed at the interesting things people have done with their lives. Next time we talk, I may just ask you about some of the interesting things you’ve done. You can always reach me at: 609-338-3773.

P.P.S.  If you’d like to view or download my entire February newsletter filled with interesting articles and ideas click here:  February 2015 Newsletter – Matt

FHA and USDA Mortgage Updates In Galloway and Egg Harbor Township, NJ

FHA will be lowering their mortgage insurance starting today, 1/26. The monthly mortgage insurance will drop from 1.35% to .85%. This will help bring FHA’s monthly insurance more in-line with USDA and Conventional mortgage insurance. FHA is still the #1 first time homebuyers program as it still only requires 3.5% down, and we require only a 580 credit score. Some good news at least, especially with USDA going away in certain areas. FHA is not the end of the world and is a great loan program!!!

USDA:

I have just received word that as of February 2nd, 2015, USDA is officially changing its maps. For Atlantic County, it will make EHT ineligible and parts of Galloway (closer to Absecon). Feel free to call me with any questions about this:

Home For Sale

Egg Harbor City Is Eligible For FHA and USDA Financing

Thus, the ineligible area maps based on the above classifications will be effective on February 2, 2015. The changes will be those already published on the “Future Eligible Areas” maps posted on the Eligibility Websitehttp://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

 Jim Malamut

Greentree Mortgage

NMLS#206095

Cell: 609-432-2829

Office: 609-646-5555

 

Why Sign an Agreement with Your Agent?

Here’s a quick note to let you know how I can help you—or anyone you feel comfortable introducing me to.

Real estate agents often ask home buyers to sign a formal agreement that commits the buyer to working with that agent. Usually no money exchanges hands for this agreement, but it does commit the buyer to working with that agent for a period of time. Why would a buyer do this? Primarily to ensure that they are working with the best real estate agent they can, which will matter the deeper they go into the home buying process.

Happy Buyer Clients

Happy Buyer Clients

The buyer doesn’t pay the agent, but the agent will invest significant time working with the buyer. Without a commitment, a real estate agent can’t guarantee they’ll make money in exchange for the time spent with that buyer. If a buyer wants to work with a great agent, they’ll be willing to make a commitment in exchange for that agent’s time.

If you or someone you know wants to buy a house in the next few months, please let me know at 609-338-3773.  Also get a copy of my report, Making the Move Easy On the Kids.

Matthew Haviland,

Your Real Estate Consultant For Life Keller Williams Realty Atlantic Shore 609-484-9890 ext 132

P.S. Who do you know who’s thin

king about buying a home? Please introduce us so that I can help them have a great home buying experience from start to finish.

Helping Happy Home Buyers And Sellers

Mildy, Augustin and Lilliam.  New home buyers.

Mildy, Augustin and Lilliam. New home buyers.

I love helping home buyers and sellers make their dreams come true!  In today’s real estate economy there are many challenges and opportunities.  I’m grateful that my clients choose me to help them buy and sell their home.

IMG_1592

Fruit basket

Earlier this month I helped a family purchase their first home.  And to my surprise a few days later I received this wonderful edible arrangement at my office.  Congratulations to Augustin, Mildy and Lilliam and your family.  MattIMG_1591

Getting Perspective This New Year

cape-may-sunset

Sunset Beach, Cape May, NJ

Each of us can probably identify times when a moment, a day, a year, or even our whole lives changed in an instant—not because we did something different—but simply because our perspective shifted. Here is a very small story from the website peopleandpossibilities.com that illustrates how simple and powerful a different perspective can be:

One day I was shopping with my child after work to pick up supplies needed for an employee celebration. I was exhausted and wanted to get in and out quickly. My child was tired and cranky and wanted out of the shopping cart. She was grabbing for every item we passed.

I was losing my patience and temper when an elderly woman came over to us. She took my child’s hand, and said “What a lovely child.” My little girl was quiet immediately. The woman looked at me. She had an angelic smile and then again said, “They are so wonderful at this age.”

At once I felt peaceful and in control of the situation. After the lady walked away, I found a snack that pleased my little one and we had a pleasant shopping trip.

This year, one of my New Year’s resolutions is to make an effort to seek a fresh perspective whenever I find myself feeling stressed, angry, or stuck. It won’t be easy, but maybe by thinking of the opposite of whatever I’m thinking, I can gain some distance that will help me move on and be a bigger person in that moment.
I hope you are having a wonderful New Year so far, and wish you success and joy as you kick off 2015!

Sincerely,

Matt Haviland
Your Real Estate Consultant For Life

P.S. I would love to hear about your New Year’s resoltuions. You can always reach me at: matt@sjhouses.com or phone 609-338-3773

To view or download my full January 2015 Newsletter click here:  January 2015 Newsletter – Matt

Atlantic County First Time Home Buyer Grant Money Now Available – $10,000

The Atlantic County, NJ grant program is now funded with grants available of up to $10,000 for first time home buyers!  All funds are forgiven after 5 years.  This programs does not work for everyone so I’ve outlined the key requirements below.

Free Money!

Free Money! $10,000 Grant For First Time Home Buyers

Eligible Applicants:

     HOUSEHOLDS

  1. Who have resided in Atlantic County 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:

These income levels are (2013):

                                                           # of Household  Members 80% of Median Income
1 Person. $38,400
2 Persons $43,900
3 Persons $49,400
4 Persons $54,850
5 Persons $59,250
6 Persons $63,650
7 Persons $68,050
8 Persons $72,450

If you or someone you know may be eligible to qualify for this grant please call me for more details at 609-338-3773.  Time is limited and funds are usually gone in a few months so please call me now.

How To Sell Your House When You Already Have A Buyer

Over the years I’ve helped many clients sell their home when they already have a buyer lined up.  Typically I see this when a family member wants to sell a home to another family member.  You may not need the full services of a Realtor however you need help with paperwork and making sure things are done correctly and in a timely manner.  Many of my clients also wish to not have the liability risk that many For Sale By Owners Face.

I recently helped Amie purchase a home from her family.

I recently helped Amie purchase a home from her family.

One of the services I provide is as a Transaction Broker.  In NJ a transaction broker doesn’t represent either side and helps in the transaction.  For a small flat fee I can help with paperwork and guide you through the home selling and buying process.  I’ll also give you access to my services directory with reliable vendors to help you where needed.

Remember when you have a home to sell and have a buyer already call me and let me help guide you safely though the home selling process.  Best wishes,

Matt

P.S.  If you or someone you know is selling a home and may need my help.  Please call me now at 609-338-3773.

santa-2014

Date: December 19, 2014
Time: 05:30-07:30 p.m.
Event: Santa Clause Is Coming To Keller Williams Realty Northfield!
Topic: Free Photo With Santa
Sponsor: Keller Williams Realty Atlantic Shore
Venue: Keller Williams Realty Atlantic Shore
609-484-9890
Location: 802 Tilton Road
Northfield, NJ 08225
Public: Public