BERNARD (Bernie) Hartigan

The Worker, Homeownership, and Business Assistance Act of 2009 extends the deadline for qualifying the 1^st time home buyer credit from Nov. 30, 2009, to April 30, 2010. If the buyer enters contract by April 30, 2010, the buyer has until June 30, 2010, to settle on the purchase.

The maximum credit amount remains at $8,000 for a first-time homebuyer

The extension also provides a "long-time resident" credit of up to $6,500 to others who do not qualify as "first-time homebuyers, i.e. people that have owned homes within the last 3 years.

Income limitations for homeowners claiming the credit raised

The full credit will be available to taxpayers that earn up to $125,000, or $225,000 for joint filers increased from $75,000 and $125,000. Those with MAGI between $125,000 and $145,000, or $225,000 and $245,000 for joint filers, are eligible for a reduced credit.

For Members of the Military

Members of the Armed Forces and certain federal employees serving outside the U.S. have an extra year to buy a principal residence in the U.S. and still qualify for the credit. An eligible taxpayer must buy or enter into a binding contract to buy a home by April 30, 2011, and settle on the purchase by June 30, 2011.

Bernard Hartigan

4 Wood Hollow Road

Parsippany, NJ 07054

Office 973-447-4406 Extension 202

Fax 973-463-4224

Cell 973-699-0378

Lois Dryer was all smiles when they met with loan officers from Residential Home Funding, a mortgage lender in East Brunswick, NJ

The Dryers were supposed to close on their dream home in Hazlet, New Jersey on Wednesday but could not, because their lender, Lend America folded, making their mortgage, worthless.

"I finally have some hope," said Lois Dryer. "There's a light at the end of the tunnel."

After seeing the Dryer's story on News 4 New York, Ed Mackin of Residential Home Funding contacted us, offering to help.

"I was sitting there watching the late night news," said Mackin. "When I felt terrible that it's around the holiday season and this family won't be able to move into their American dream."

"I've spoken to the president of lending and he says we can get the loan done in two weeks," said Jeff Rosen.

Which is a far cry from the three months the Dryers thought they would have to wait for a loan to be approved. They are living in a hotel now and can't even imagine having to stay in a hotel for three months.

Lend America shut down after the Federal Housing Administration revoked its right to approve loans. The FHA says Lend America was too quick to hand out loans to people who couldn't afford to pay them back.

Lend America, one of the largest FHA lenders in America was shut down by HUD basically halting mortgage transactions that were ready to close. Our East Brunswick branch (after seeing the news) called the clients and has saved the mortgage transaction. If you are currently working with any clients who were getting their mortgage done with Lend America (or anyone else who is not servicing your clients efficiently), please have them call me

Bernard Hartigan

4 Wood Hollow Road

Parsippany, NJ 07054

Office 973-447-4406 Extension 202

Fax 973-463-4224

Cell 973-699-0378

Christopher DiMartino is a 3 year old boy from West Paterson, New Jersey diagnosed with Rhabdomyosarcoma Cancer. Sarcomas are rare types of cancer that is typically diagnosed in children. They develop in the supporting structures of the body, such as bone, muscle, or cartilage. Surgery has been successful on the removal of the Sarcoma however costly Chemotherapy and Radiation treat-ment is necessary for Christopher at Hackensack University Medi-cal Center Hospital located in Hackensack, NJ

Little Christopher is a brave amazing boy, full of life. Despite the cancer his happiness and energy prevail.

Today's tough economic conditions make it difficult for Christo-pher's parents to meet those needs without help from people like you. We are writing you to invite your business to donate an item or gift certificate for the charity auction dinner taking place on Novem-ber 4th 2009 at The Brownstone.

I thank you for your time and consideration. We look forward to whatever support you can provide. If you require additional infor-mation please contact us and we will be happy to answer any ques-tions you may have.

Any monetary donation will be greatly appreciated.

Sincerely yours,

Friends and Family of the DiMartino Family

The Brownstone

Bernard Hartigan

4 Wood Hollow Road

Parsippany, NJ 07054

Office 973-447-4406 Extension 202

Fax 973-463-4224

Cell 973-699-0378

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How ...with a FHA loan 203K loan!

Have your clients found a home that would be perfect with a few renovations?

Or are they considering or renovating the bathroom or kitchen. If any of these possibilities are their future,

an FHA 203(k) loan may be a good option for their renovation needs.

The FHA 203(k) loan provides financing and funds for the cost of renovation

in one easy loan closing process to qualified borrowers. If they qualify, they will

receive a cost-effective, single-close loan option that enables you to remodel

a kitchen or bath, repair a roof or make other important improvements or complete additions to an

existing or newly purchased home that needs renovation even

Bernard Hartigan

4 Wood Hollow Road

Parsippany, NJ 07054

Office 973-447-4406 Extension 202

Fax 973-463-4224

Cell 973-699-0378