Williamstown, NJ

I just received a reminder from one of the many mortgage reps that I get updates from. The reminder was about a loan program that is often forgotten. I'm even guilty of forgetting about it even though I had written an article about it previously. This forgotten loan program is the USDA Rural Home Loan. The best part of this loan program is that the buyer does not need a downpayment. That's right, $0 downpayment. However, the home that you are planning to buy must be located in one of the eligible areas of New Jersey. The loan limits that USDA operates under are the same ones that Fannie Mae, Freddie Mac, and other have established.

So, if you're ready to purchase your new home, give me a call to discuss your real estate needs in greater detail and that way I can help you determine if a USDA Rural Home Loan is for you. You do not have to be employed or affiliated with the USDA or even a governement employee. This is a great way for first time home buyers, that may not have enough funds to put as a downpayment, or even the non-first time home buyer who needs to move into a bigger home but lacks sufficient funds for the 3.5% downpayment needed for an FHA loan. First time home buyers, this is great opprotunity to get into your own home AND qualify to receive your $8000 First Time Home Buyer Tax Credit.

Terry Iwaniw
REALTOR Associate
ReSales & Investment Realty, LLC
Off: 856-795-3111 x263
Cell: 609-417-1086
http://snjrealestate.ning.com
http://www.snewjerseyhomes.com
Connect on Facebook - http://profile.to/terryiwaniw

The I-Team Homes has been marketing quite extensively in Monroe Township NJ including the area of Williamstown. We provide housing market analysis for our clients. The following is the most current data we have for Monroe Township :

For the month of May 2009 -

• New Listings Added in May - 61 (17.9% of the Total Listings on the Market of 341)
• Average asking price - $245,304 (101.9% of the Total Avg Price of $240,840)

• Properties that are Pending Sales (Under Contract, Not Settled) - 28
• Average Price: $214,760

• Properties that Settled in April - 24
• Average sold price - $231,510 (91.0% of average asking price)
• Average Days On Market: 73 Days

We can provide you with a complete and accurate market analysis for your home with an analysis of the market area it is located in. By knowing the value of your home you have a basis to start selling your home. If you want to know the value of your home and to receive a no-cost home evaluation, please call us at 609-417-1084.

For first time home buyers, purchasing your first home can be a very stressful experience. We can help eliminate that stress and help you through the process. We work closely with many first time home buyers and understand your concerns. First Time Home Buyer Programs, 0% and No Money Down Programs, Conventional, FHA, and VA Financing (To Qualified Buyers). Seller Assist with Closing Costs, New Homes Existing Homes in Great Neighborhoods, Fixer Upper Properties. We search all of Camden, Burlington, Gloucester, Salem, Cumberland, and Atlantic Counties. Go to http://www.homes4firsttimebuyers.com/

Looking for a fixer upper property? Willing to put in some "sweat equity" to buy your next home at a bargain price. Get a complete listing of fixer uppers in your area by going to http://www.bestfixerhomes.com/

If you are interested in HUD Owned homes currently for sale , go to: http://www.njhudsales.com/.

Are you behind on your mortgage? We can help you! We are the Foreclosure Prevention Consultants. We've been where you are now, don't make the same mistakes we did. See what we can do for you at http://www.i-teamhomes.com/foreclosure.htm

Linda & Terry Iwaniw
REALTOR Associates
First Time Home Buyer Specialist
Foreclosure Prevention Consultant
ReSales & Investment Realty, LLC
856-795-3111 x263
609-417-1086
http://www.snewjerseyhomes.com/

The I-Team Homes has been marketing quite extensively in Monroe Township NJ including the area of Williamstown. We provide housing market analysis for our clients. The following is the most current data we have for Monroe Township :

For the month of April 2009 -

• New Listings Added in April - 54 (16.2% of the Total Listings on the Market of 334)
• Average asking price - $245,703 (102.3% of the Total Avg Price of $240,190)

• Properties that are Pending Sales (Under Contract, Not Settled) - 52
• Average Price: $226,520

• Properties that Settled in April - 17
• Average sold price - $170,550 (93.0% of average asking price)
• Average Days On Market: 66 Days

We can provide you with a complete and accurate market analysis for your home with an analysis of the market area it is located in. By knowing the value of your home you have a basis to start selling your home. If you want to know the value of your home and to receive a no-cost home evaluation, please call us at 609-417-1084.

For first time home buyers, purchasing your first home can be a very stressful experience. We can help eliminate that stress and help you through the process. We work closely with many first time home buyers and understand your concerns. First Time Home Buyer Programs, 0% and No Money Down Programs, Conventional, FHA, and VA Financing (To Qualified Buyers). Seller Assist with Closing Costs, New Homes Existing Homes in Great Neighborhoods, Fixer Upper Properties. We search all of Camden, Burlington, Gloucester, Salem, Cumberland, and Atlantic Counties. Go to http://www.homes4firsttimebuyers.com/

Looking for a fixer upper property? Willing to put in some "sweat equity" to buy your next home at a bargain price. Get a complete listing of fixer uppers in your area by going to http://www.bestfixerhomes.com/

If you are interested in HUD Owned homes currently for sale , go to: http://www.njhudsales.com/.

Are you behind on your mortgage? We can help you! We are the Foreclosure Prevention Consultants. We've been where you are now, don't make the same mistakes we did. See what we can do for you at http://www.i-teamhomes.com/foreclosure.htm

Linda & Terry Iwaniw
REALTOR Associates
First Time Home Buyer Specialist
Foreclosure Prevention Consultant
ReSales & Investment Realty, LLC
856-795-3111 x263
609-417-1086
http://www.snewjerseyhomes.com/

The I-Team Homes has been marketing quite extensively in Monroe Township NJ including the area of Williamstown. We provide housing market analysis for our clients. The following is the most current data we have for Monroe Township :

For the month of March 2009 -

• New Listings Added in March - 69 (20.0% of the Total Listings on the Market of 344)
• Average asking price - $218,127 (91.2% of the Total Avg Price of $239,130)

• Properties that are Pending Sales (Under Contract, Not Settled) - 26
• Average Price: $222,260

• Properties that Settled in March - 15
• Average sold price - $233,260 (93.0% of average asking price)
• Average Days On Market: 96 Days

We can provide you with a complete and accurate market analysis for your home with an analysis of the market area it is located in. By knowing the value of your home you have a basis to start selling your home. If you want to know the value of your home and to receive a no-cost home evaluation, please call us at 609-417-1084.

For first time home buyers, purchasing your first home can be a very stressful experience. We can help eliminate that stress and help you through the process. We work closely with many first time home buyers and understand your concerns. First Time Home Buyer Programs, 0% and No Money Down Programs, Conventional, FHA, and VA Financing (To Qualified Buyers). Seller Assist with Closing Costs, New Homes Existing Homes in Great Neighborhoods, Fixer Upper Properties. We search all of Camden, Burlington, Gloucester, Salem, Cumberland, and Atlantic Counties. Go to http://www.homes4firsttimebuyers.com/

Looking for a fixer upper property? Willing to put in some "sweat equity" to buy your next home at a bargain price. Get a complete listing of fixer uppers in your area by going to http://www.bestfixerhomes.com/

If you are interested in HUD Owned homes currently for sale , go to: http://www.njhudsales.com/.

Are you behind on your mortgage? We can help you! We are the Foreclosure Prevention Consultants. We've been where you are now, don't make the same mistakes we did. See what we can do for you at http://www.i-teamhomes.com/foreclosure.htm

Linda & Terry Iwaniw
REALTOR Associates
First Time Home Buyer Specialist
Foreclosure Prevention Consultant
ReSales & Investment Realty, LLC
856-795-3111 x263
609-417-1086
http://www.snewjerseyhomes.com/

The media has finally changed their tune! And their right! Buy Now! Why? Mortgage rates are at a historic low, you can receive an $8,000 tax credit if you purchase now through November of 2009, home prices are more reasonably priced today then 1 year ago!

Just like the stock market, you never know when interest rates will go up or down. So while many factors are there to benefit home buyers, now is certainly the time to act!

You should work with only one Realtor. A seller has only one Realtor and signs a listing agreement. Janet Larsen also recommends you sign a buyer's agency agreement with her. It is important to know someone is working for you and properly informing you of the home buying process every step of the way. This avoids unwanted surprises that may occur with an inexperienced Realtor.

Whether you're relocating to Burlington, Camden or Gloucester County, or you're a current NJ resident interested in a smaller or larger home nearby, Janet Larsen has the experience, negotiating skills and knowledge to make this a fun, non stressful time in buying and selling the largest investment of your life. Why put this investment in the hands of an amateur! Janet has been selling Residential Real Estate exclusively for over 8 years and has consistently been a top producer, winning local and state awards year after year!

While other agents say they have sold many homes, the proof is in the documents, so ask for the actually proof! Anyone can post on the internet that they've sold many homes and won many awards but if you asked for this proof, they would not be able to provide it to you. Janet can provide it. She can be reached at 856-415-1210, Ext. 321 or email at njrealtorjan@comcast.net

2003-2008 NJ Association of Realtors Circle of Excellence Award

2005-2008 Remax 100% Club Award

2008 3rd and 4th Quarter Super Performer Award

Remax of NJ Ranked #11 of Top 50 Agents of all of New Jersey Remax in Team Units 2009-February 2009!