Chase has stepped up and is reaching out to homeowners and offering loan modifications to qualified applicants. Chase has set up Home Loan Centers throughout the country to talk to homeowners face to face. Bringing all your documents and meeting with a Chase loan representative is the smartest idea ever in this economy. What better way for a homeowner in distress than to meet one on one and get the facts first hand. If questions come up they can be answered immediately, if documents are missing it is known on the spot. So much time is saved by completing a home loan modification application in the presence of a loan officer, especially if questions need to be answered.

Banks are looking to save borrowers from losing their homes because if the homeowner leaves the banks lose too. If you are falling behind in your payments and need assistance do not hesitate to contact your lender. Be persistent and tell them your story, they will listen. There are homeowner counselors available even outside your lending institution. Call your lender and tell them you want to do a work out or need some assistance to keep your home.

Foreclosure mediation is another avenue that can be taken if all else fails. The courts are holding foreclosure mediation sessions and the lender must appear and try to do a work out plan with the borrower. Loan modifications can be worked out but you must qualify with your income and debt ratio. Filing bankruptcy is an option whereby you can eliminate your debt and still save your home. Remember everything is based on your qualifications and the lenders guidelines. But, do try.

Getting organized and changing a few simple things in your life can create an atmosphere of calm.

Great condo for sale at Wellington Place in Aberdeen NJ – Price to sell at $185,000.  This condo complex is FHA approved and ready for the first time buyer.  Interest rates are at an all time low and prices are low.  Monthly payments can be a lot lower than you expect with the above combination.  Wellington Place is located on Rt. 34 in Aberdeen NJ close to the Garden State Parkway and other major highways for easy commuting to northern or southern New Jersey.

This is a one bedroom one bath unit located on the second floor with a private balcony.  Unit features fireplace in living room, a den off of living room, dining room, updated kitchen, master bedroom has walk in closet and full bath off of bedroom.  Large storage unit is located in outside hallway across from unit entrance.  Complex offers pool and tennis and play areas.

This unit is in move in condition – for further information contact Diane@DianeKaplan.com

Report of all units for sale at Wellington Place and all closed sales is available upon request.

Home of the award winning thin crust pizza – The Mad Hatter is now running specials every Thursday.  You can receive emails every week of the specials being offered by checking out their website – click here.  Every day is a fun day at the Mad Hatter:

Mexican Mondays

Half Price Tuesdays

Mouth Watering Wednesdays

Thumbs Up Thursdays

Also read about the Volleyball Leagues – summer only.

Getting ready to sell your home?  If you are a homeowner getting ready to sell your home you must listen to the following before putting your house up for sale.

Be one step ahead of your competition – be prepared.