Sicklerville, NJ

Buyers searching for a home? Tired of finding short sales and afraid you will miss your $8,000 tax credit? Contact Janet Larsen, Broker/Associate Remax Connection top producing, full time agent dedicating my time to finding you the perfect home, no matter how many homes you need to see!

I have new listings coming on the market all of the time, that get sold before they ever hit the internet or mls sites! Call me today at 856-261-6910!

Let's get out and look at homes and invest in your future!!

view 10000's of homes here www.njrealtorjan.com

SCHEDULE AN APPT TO SEE YOUR DREAMHOME HERE! 856-261-6910

38 WIlton's Landing Road was listed for over 6 months with a local Realtor, then For Sale By Owner for 1 year! Janet Larsen Lists It At the same price and sells it in one day! This is not uncommon for Janet Larsen.

35 Maple Street Clayton was listed for 6 months with a local Realtor. Janet sold it within 30 days!

Janet's unique internet marketing, broad exposure and a different approach then most realtors is what does it! Janet's customer service and ability to be a top negotiator and follow through is just phenomenal says Jim and Tracy!

Tonia says, "We have had many Realtors and you are the best! We will refer you to all of our friends!

Eileen of Clayton says! I never thought my house would sell so fast, especially after my past experiences with other Realtors! Now our dream of moving to Florida is a Reality!

Janet WILL RETURN YOUR PHONE CALLS PROMPTLY! You can bet on that! Call Janet Larsen if you want to sell your home! 856-261-6910

www.njrealtorjan.com

email: njrealtorjan@comcast.net

You can list your home with anyone, but to sell your home, call Janet Larsen, Remax Connection! Janet has been a full time licensed Realtor/Associate for 10 years primarily covering Camden and Gloucester County in addition to Burlington County.

If you are thinking of selling a home, please interview other agents. I encourage it. Then contact Janet Larsen for a free market analysis, and to show you why hiring Janet is the best choice in a challenging Real Estate Market.

View 1000's of homes at njrealtorjan.com or email Janet at njrealtorjan@comcast.net

856-261-6910 for top producing Realtor ranking in top 50 for 2009 for all Remax of NJ Agents in units SOLD!

Janet Larsen, Broker/Associate of Remax Connection in Sewell is a full time, top producing Remax Agent in Southern New Jersey. 856-261-6910

When choosing an agent to represent you in a real estate transaction, it is essential to have an experienced agent that is qualified to avoid a variety of issues that may arise.

1. Short Sales - A short sale is when a seller's mortgage amount owesd is more then the value of the home. It is crucial to know how to handle a short sale from the time of listing. Listing a property at the wrong price can take months of your time, only to find out the short sale was not approved by the bank. It is essential to have judgement searches run, prepare very specific documentation for negotiators at the bank before an offer comes in. Costly mistakes in a short sale can cause a seller to go beyond foreclosure and to sheriff's sale. Janet Larsen has successfully closed numerous short sales.
2. Divorce: Divorce is a sensitive issue and sometimes the spouses are not on speaking terms. Janet understands the sensitivity of this situation and will communicate separately and confidentially with both owners to get the transaction to a smooth closing.
3. Death - Handling the sale of an Estate can be very tricky. There are many important documents that need to be provided. Janet has the experience especially when there may be an inheritance and several new owners to negotiate with.
4. AS/IS & Bank Owned Properties - Janet has phenominal negotiating skills and knows the property values to assist you in making the best offer on a property, making sure home inspections are properly ordered, certificate of occupancies provided, liens and judgements for utilities, tax certificates, etc are paid so no issues arise after settlement and so that you don't lose out to a smarter bidder.
5. Relocation - Out of State clients have a very special need. They are not usually familiar with schools, employment, commute distances, shopping, and different neighborhoods. A lot of time is needed and dedicated to these clients.

Live Where You Work Programs....Police, Fire & Teacher Financing Programs....Military Relocation.... 55 Retirement Communities.... Duplexes and Investment Properties.... Commercial Real Estate..... Real Estate Needs Vary and are very diverse! So you need an experienced agent that is well versed in all of these areas! Don't hesitate to contact Janet Larsen confidentially at 856-261-6910 or by email at njrealtorjan@comcast.net

Thanks to President Obama's ambitious plan to improve the housing market, being on the list of foreclosures in Sicklerville doesn't necessarily mean that foreclosure is inevitable. You have options, and the President's loan modification program makes keeping your home even more possible.

Overview of the Plan

The President's plan to reduce foreclosures in Sicklerville is based on the thought that struggling homeowners wouldn't sell their houses if they could only make the monthly payments. Due to this belief, participating lenders are required to reduce monthly payments for homeowners who qualify until they're no more than 38% of the homeowner's monthly gross income. After that, the government lends a helping hand. Between the lender and the government, the mortgage payments would be dropped to no more than 31% through various means (extension of the loan, reduced interest rate, etc).

Even with the 31% threshold, many are afraid that's not enough incentive for homeowners to keep up payments on a depreciating home. They speculate that homeowners may default on the loan anyway. To cover this possibility, the administration is offering cash incentives to lenders and struggling homeowners.

Each lender that participates will receive $1,000 per loan modification. Those lenders will also get an annual $1,000 for up to three years as long as the homeowner keeps their payments up. For homeowners facing foreclosures in Sickleville, the good news is that borrowers can get their principal lowered for up to five years. Again, however, it depends on whether they keep their payments up.

You May Qualify

This is fantastic news for many. If you're facing foreclosure due to financial hardship, you may qualify for loan modification under the administration's plan. If you live in the home, the principal balance still owed is less than $729,750 and you received the loan before January 1, 2009, you're eligible. Be aware, however, that you have to prove that you live there, that it's your primary residence and that you're having a financial hardship.

If you're behind on your mortgage or facing foreclosure, I can help you figure out your options. Time is of the essence, so give me a call now at 856-308-5989.

www.KimThomasHomes.com; www.KimCanHelp.com; www.south-jersey-real-estate-blog.com

email: kim@kimcanhelp.com

Other helpful Links:

1. Obama's ambitious plan

http://www.neighborhoodlink.com/article/Homeowner/Obama_Loan_Mod_Plan_Explained

2. Loan modification

http://www.hud.gov/offices/hsg/sfh/nsc/faqlm.cfm

3. Financial hardship

http://ezinearticles.com/?Obamas-Home-Stimulus-Package---What-Qualifies-As-Financial-Hardship?&id=2603854