Let us know what you think of the new logo.

We spoke to two septic companies to find out more about these important changes that will affect septic inspections or selling a home with a cesspool or system in need of repairs:

Effective immediately, when a septic company receives an order for inspection, they must now fax forms to the Atlantic County office in regards to the inspection order. New regulations require the septic companies to provide in depth information in order for the county to research and approve the inspection therefore the septic companies must have this information at time of order.  By law, the county office has 7 days to research filed documents on the property and return paperwork to the septic company approving the inspection.
Additionally the septic companies are now required to send reports of the inspection results (regardless if passed or failed) to the county so the county will know about the system. The county and engineers will now be more involved in any replacement systems. In addition, it is law that properties with cesspools can no
longer go to settlement. Any property with a cesspool must comply with county procedures in replacing (not repairing) the system PRIOR TO CLOSING.

WHAT THIS MEANS TO HOME SELLERS AND BUYERS FOR A HOUSE WITH SEPTIC SYSTEM:

1) Inspections may no longer be immediately scheduled.  This is now a service that will have to be ordered as soon as possible to ensure it is completed in time due to the now extended process. Some companies may still schedule right away, but
documentation will still need to be completed, sent to and returned from county prior to results being sent to parties. Other companies will not schedule inspection until they have submitted and received the returned documents from the county.

2) Extra caution may be needed with short sales. For buyers, some short sale addendums will state ALL inspections have to be done within 10 days from the conclusion of attorney review. It may not be possible to get the septic inspections done in this time unless acted upon immediately, all information is provided to the septic company, and there will be no delays in obtaining access to the property thus delaying the scheduling of inspection. If a buyer is purchasing a short sale property and would be responsible for a new system, this will have to be done PRIOR to closing. If the seller/3rd party lien holder is to pay, this is something you may want to disclose to them immediately.

3) The prices of the inspections have more than doubled. While some companies may have been lenient on payment at closing, they may now require payment at time of order, not inspection. The county may also have a say in the repairs, if needed, thus incurring additional costs.

4) If you are a seller with a septic system, you may want to get items required for inspection addressed so when a buyer‘s side or a septic company calls, you have the information already. If you are the buyer, you may want to get this
information from seller’s side at time of offer or contract to avoid any delays in ordering inspection.  (We can provide a list of items needed for inspection.)

5) If you are selling a property, or buyers placing an offer on a property, with a cesspool, this system is going to have to be replaced even if it is in working order according to new regulations. Per one of the septic companies we spoke to, new systems can range from S15,000.00 to $25,000.00. You may want to contact a
septic company to discuss in advance in case there are more changes.

We hope this information will be helpful to you and of course we are here to make sure your transaction is as smooth as possible.

Best wishes,

Matthew Haviland

Dene Ponzetti
Settlement Coordinator

The Haviland Group

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