RECENT BLOG POSTS
      Here are the basic details of the program: 1st Time Home buyer's can reduce as much as $7,500.00 off their IRS tax bills, although it must be repaid. The federal government has created a way for 1st time home buyers to take advantage of a sluggish housing market. They have created a monitor...
09/25/2008
    Saving money for the down payment of a home is the largest obstacle many hopeful home-owners face.  With the tightening of lending standards lenders no longer offer 100% financing and most lenders require 10% down or more plus closing cost.   Home Ownership has many benefits from tax deductio...
09/25/2008
Its still easy to get a mortgage regardless of what the media says. Banks have gone to a common sense approach to underwriting vs. trying to compete with the other banks. I was at a Giants game 3 years ago with the CEO of a large bank. I asked him "why do you offer 100% financing with stated inco...
09/24/2008
  As you know most FSBO's don't want to deal with realtors. So when you call you are one for the many realtors that have already called them with the same speech.  So how do you get this FSBO'S to list with you? Have your loan officer call them and offer to help them pre-approve perspective buyer...
09/23/2008
It is at least once days I get an email or phone call to buy "hot" leads.  If these leads were so good wouldn't they sell themselves?   If these companies' claims were half true there would be a waiting list of people to sign up.   I see way too many people waste $2,000 and more for bad leads tha...
09/22/2008
The most significant impact on your score is whether you have paid past accounts in a timely manner (on or before the date the payment was due.) However, an overall good credit profile can outweigh a few late payments, and late payments have less impact over time.  So if you have 1 or 2 late cred...
09/22/2008
"THE PATH TO SUCCESS IS TO TAKE MASSIVE, DETERMINED ACTION." Anthony Robbins. And success in stabilizing the markets and the economy is exactly what the government is hoping will happen as a result of the massive, determined actions they took late last week in response to unprecedented happening...
09/21/2008
   Savings: Means Buying In most cases, the amount of money a renter spends on rent can be about the same as or less than the amount a homeowner spends on a mortgage. When you calculate the tax benefits for homeowners, the savings can be significant.  On average it will cost a person $50,000 in b...
09/19/2008
    Most people don't realize that a renovation loan can be a great investment tool for their future.  You can buy a home that needs work and turn it into your dream home this works especially good with REO'S and foreclosures.      Some of the many benefits are listed  below contact me if you hav...
09/16/2008
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! True Credit has exposed these urban l...
09/15/2008
Rainer
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Bernard "Bernie" Hartigan

local_phone(973) 463-4406
smartphone(973) 699-0378
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To exchange ideas and share experience’s of realtor’s and mortgage professionals.