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BERNARD (Bernie) Hartigan

Charity Fundraiser Dinner Date: Nov. 4th, 2009

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

351 W. Broadway

Paterson, NJ 07522

(973) 595-8582

Tickets $80 per person

Dinner, Dancing, Open Bar

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 to get a renovation/ construction loan with just 3.5% down

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

Top 5 credit misconceptions

We have all heard the rumors...from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! TrueCredit has exposed these urban legends to provide you and your informers with the truth about credit:

  1. Your score will drop if you check your credit - Fortunately, this one is definitely not true. Checking your own report and score is counted as a "soft inquiry" and doesn't harm your credit at all. Only "hard inquiries" from a lender or creditor, made when you apply for credit, can bring your credit score down a few points. Worried about damaging your credit while shopping around for a loan? Multiple inquiries for the same purpose within a short amount of time (a few weeks) are grouped together into a less damaging period of inquiry.
  2. Closing old accounts will improve your credit score - To close or not to close, that is the question. Many people advocate closing old and inactive accounts as a way for improving your credit. In most cases, closing accounts will actually have the opposite effect. Canceling old credit accounts can lower your credit score by making your credit history appear shorter. Think twice before closing the oldest account on your credit report. If you want to reduce your levels of available credit, ask for your credit limits to be lowered or close newer accounts instead.
  3. Once you pay off a negative record, it is removed from your credit report - Negative records such as collection accounts, bankruptcies and late payments will remain on your credit report for 7-10 years. Paying off the account before the end of the set term doesn't remove it from your credit report, but will cause the account to be marked as "paid." It is still a good idea to pay your debts, it can improve your credit score, but the major improvement will come when the record expires.
  4. Being a co-signer doesn't make you responsible for the account - When you open a joint account or co-sign on a loan, you are taking on legal responsibility for the account. Any activity on these shared accounts, good or bad, will show up on both people's credit reports. If you co-sign for a friend's auto loan and they don't make the payments, your credit profile will be hurt by their actions and visa versa. The only way to stop this double reporting is to refinance the loan or to have the creditor officially remove you from the account.
  5. Paying off a debt will add 50 points to your credit score - Your credit score is calculated using a complex algorithm that takes into account hundreds of factors and values. It is very hard to predict how many points you can gain by changing one factor. For a person with a high credit score, just one late payment can cause a significant drop. If a person has a low credit score, it may not cause a large drop at all. There is no magic way to improve your credit score, just keep paying your bills on time, reducing your debts and removing negative inaccuracies from your credit report. Good financial behavior and time are the two most important factors for your credit score.

Provided by

RESIDENTIAL HOME FUNDING

Bernard Hartigan

"Funding The American Dream"

195 route 46 West, Suite 1

Totowa, NJ 07512

E Fax 866-646-3990

Cell 973-699-0378

www.myfhahomeloan.com

www.mortgagesforchampions.com (Special Mortgage Program for Police, Fire Department, EMT, doctors, nurses, correction officers or teachers.)

www.moneyforbuilders.com

Beware of internet only lenders.

Every day we hear horror stories about customers that went to a lender that offered them a fabulous rate and/or low closing costs. And every day we get calls from those customers that turn to us for help. We have to first qualify them, then process and close a loan in a very short time. Why? Because people look at the internet and brokers and find no-name companies that promise them the world and deliver nothing. If they even get to closing there are surprises with costs and rate increases.

Yes, it is a great time to buy a home. Rates are low and prices of homes have come down and are negotiable. With so many lenders closing their doors and many more struggling to stay alive by promising rates that do not exist, these lenders are hoping and praying the rates will come down so they can deliver the loan on time.

RESIDENTIAL HOME FUNDING

Bernard Hartigan

"Funding The American Dream"

195 route 46 West, Suite 1

Totowa, NJ 07512

E Fax 866-646-3990

Cell 973-699-0378

www.myfhahomeloan.com

www.mortgagesforchampions.com (Special Mortgage Program for Police, Fire Department, EMT, doctors, nurses, correction officers or teachers.)

www.moneyforbuilders.com

Wall Street in Crisis

Ladies and Gentlemen,

I received about 20 calls yesterday in reference to the market and concerns both

personally and professionally.

Please remember that the reason many lenders will weather the storm is the fact that a majority of the loans we are originating are FHA secured by the FHA platforms.

Our strategy is that we continue to address the economic problems head on and will continue to find investors that are strong and when banks go down, others rise up and puts us in a better long term position. This also gives us opportunity to hire the best employees available.

We also understand that 401ks for most people are down as well.

Please remember to monitor your contributions and this is a long term, not day to day FUTURE opportunity.

Things will get better!

RESIDENTIAL HOME FUNDING

Bernard Hartigan

"Funding The American Dream"

195 route 46 West, Suite 1

Totowa, NJ 07512

E Fax 866-646-3990

Cell 973-699-0378

www.myfhahomeloan.com

www.mortgagesforchampions.com (Special Mortgage Program for Police, Fire Department, EMT, doctors, nurses, correction officers or teachers.)

www.moneyforbuilders.com