Your Realtor Is A Valuable Resource

Realtors are more than just "door openers".  An experienced full time agent has established and maintained great industry relationships over the years in order to serve his or her clients when it comes to the largest purchase they will ever make. Your Realtor's sole purpose should be to make your transaction as seemless as possible. That is why they should be the first person you go to when you need an important referral such as an attorney, home inspector or most importantly, a mortgage representative. Real Estate transactions are only as good as the people involved in order to move things along in a timely fashion and open communication between those related industries are most important when difficulties arise. Why wouldn't you, the buyer or seller, want all parties involved in your transaction to have your best interests in mind and make this experience one of excitement and joy rather than something else entirely! Joanne Schiffres  http://joannes.betterhomesus.com Better Homes Realty 732-757-5013

Help for Seniors

Click here for more info from my colleague Sandra RostekFebruary 29, 2012 by Wendy Trager Email: wendytrager@optonline.net.   It comes as no surprise that some of the hardest hit in this economy are seniors.  Homes seniors have been living in their whole adult life may now burdensome to pay for and upkeep.  Many seniors feel they have nowhere else to go.  Reverse Mortgages can be the solution for a variety of problems:

• To help seniors looking to downsize and finance the purchase of a smaller home.
• To help seniors facing foreclosure
• To help seniors suffering from job loss and unable to pay their mortgage
• To help with home repairs
• To help with sale of home
• To help a senior stay in their current home and pay for home healthcare

• The homeowners must 62 years old
• The home must be their principal residence (must live in the home more than half a year)
• The home must be a single family home, a 2-4 unit building or a federally approved condominium or planned unit development
• If there are debts against the home, then the homeowner must use the reverse mortgage to pay it off
• There are NO credit/income requirements

• Traditional mortgage or home equity loans require proof of sufficient income and credit history to qualify, and you will have to repay beginning within 30 days of closing.  With a reverse mortgage, there are no monthly payments to be made at any time during the loan for as long as you continue to occupy the home as a primary residence.  Since there is no monthly payment, the FHA does not require verification of your income and does not require a good credit rating. 

Mark the Date!!! Your Residential Real Estate Questions Answered.

Live Chat on Ustream.tv  by Lisa Alaimo of Better Homes Realty.  Present will be Michael J. Weber of Weber Law Offices in Howell, NJ.  Chat live and ask you real estate questions.  All Residential real estate questions and RE Legal Quesions. Re-sale, short sales, bank owned, foreclosure, condo's, town homes & rentals. Mark the date... March 1, 2012 at 7:PM You can email your request prior, we will respond on live chat and email you back with answers. Email to : LAlaimo@BetterHomesUS.com See you there... Channel Name:  BHRLisaalaimo or search on ustream.tv  NJrealestateagent   or just click the link below and save to your favorites. http://www.ustream.tv/channel/njrealestateagent Lisa Alaimo.. . .www.SearchHomesinNJ.com     for Michael Weber of Weber Law offices...  www.WeberLawOffices.com

Avoiding Foreclosure (Government information)

http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure Call me with any questions. 800-531-2885 x 451 or email me at:  LAlaimo@BetterHomesUS.com  Better Homes Realty   Lisa Alaimo