SJ Real Estate

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6053856

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

114 South King Street

Magnolia, NJ

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WOW!! AMAZING HOME -- TOTALLY UNIQUE!!

4 BEDROOMS

3 BATHROOMS (3 full)

1810 Square Feet

WOW!! AMAZING HOME -- TOTALLY UNIQUE!!This Huge Rancher has it all and then some, from huge rooms to 3 full baths. As you enter this home you walk into the large living room that is an open concept design with the dining room and you will notice the Pergo flooring that sets the tone for this spotless home. Just off the dining room is the step down sun room and the large eat in kitchen with miles of counter space. The Main level features a huge master bedroom with a semi en-suite full bath, across the hall is a large main full bath and down the hall are 2 large bedroom. As you head down stairs you will find a large family room and a large den with a kitchen area along with a huge bedroom. The other side of the basement provides tons of storage, a large workshop and laundry area. All this a sitting on a quiet low traffic dead end street that is walking distance to shopping, dining and fitness. This home allows a tranquil setting that is close to everything from all major roads, PATCO trains to shopping.

231 State Ave, Lindenwold, NJ 08021 Presented by Team Clyde RE/MAX Connection

2012-06-19T19:30:00.000-07:00

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 5968557

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

231 State Avenue

Lindenwold, NJ

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Historic Home With Modern Updates

5 BEDROOMS

2 BATHROOMS (2 full)

Old World Charm meets Modern Chic, This lovely Victorian offers 3 to 5 bedrooms, High ceilings, classic & stunning wood work. The hard wood floors, wood trim and character of this home blend seamlessly with the stainless steel appliances, custom modern maple cabinets, sleek counter tops, halogen lighting & stylish designer paint scheme. The openness of the first floor will surprise you, the LR`s volume & wood burning stove make this room perfect & open to the newly remodeled massive eat in kitchen.Lets not forget the 1st flr den/study.Upstairs on the 2nd flr you will find 3 large bedroom including a master with its own veranda & separate…

529 Somerset St, Gloucester City, NJ 08030 Presented by Team Clyde RE/MAx Connection

2012-06-19T12:42:00.000-07:00

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6009233

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

529 Somerset Street

Gloucester City, NJ

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UNBELIEVABLY PRESERVED ARCHITECTURE!

7 BEDROOMS

4 BATHROOMS (4 full)

2974 Square Feet

What a beautiful Victorian Home. If you always wanted to be in a Victorian home and you needed it to be affordable, you have just found the home of your dreams. A front wrap around porch greets you with front wrought-iron railing surrounding this marvelous home. All the charm of an older home with hardwood floors, 10 ft ceilings on main level, pocket doors and rounded archways, dual staircase. This home is technically 7 bedrooms and 3.5 baths, with a walk out basement and 2 car carport and many other rooms. It is approximately 3,300 square feet. This home also has quite a little back yard and is in the center of everything. Be in Philadelphia…

305 Tuckahoe Rd, Sewell, NJ 08080 Investment Property Presented by TeamClyde

2012-06-19T08:00:00.000-07:00

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6009134

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

305 Tuckahoe Road

Sewell, NJ

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Unique Turn Key Investment Property in Washington twp NJ

3 BEDROOMS

2 BATHROOMS (2 full)

This home is completely renovated! Newer Hardwood Floors throughout, newer roof, newer baths, newer appliances, new HVAC, new hot water heater, Freshly painted inside and out. A Huge Master Bedroom with en-suite bath, and walk in closet. Full walk out basement. a walk up attic that is just asking to be finished as additional living space. Situated on a corner lot and the property is being sold with additional lot that allows access to highland. Making this property a perfect home office or convert to a commercial property with parking access from Highland. Property is currently rented at $1350 per month and the tenant would love to stay.… This property qualifies for EquityLock Solutions, "Home Price Protection" ask for more details on this amazing opportunity.

604 Barclay Walk, Cherry Hill, NJ 08034 Presented by Team Clyde RE/MAX Connection

2012-06-18T20:00:00.000-07:00

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6009112

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

604 Barclay Walk

Cherry Hill, NJ

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Great Investment in Cherry Hill the Success Address

2 BEDROOMS

2 BATHROOMS (2 full)

Easy Living in the Heart of Cherry Hill, close to all major roads and shopping. This lovely 2 story town home features 2 large bedrooms, 1.5 baths eat in kitchen neutral through out. all this and a Deck. The property is currently rented with a good tenant that would love to stay. The Monthly rent is $1300 which is a Cap rate of 5.17 and a Gross rent Multiplier of 10.22

207 Roosevelt Blvd Berlin, NJ 08009

2012-06-18T13:03:00.001-07:00

Avoid Foreclosure

Berlin Homes For Sale

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6056845

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

207 Roosevelt Boulevard

Berlin, NJ

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Peaceful And Friendly Neighborhood!

3 BEDROOMS

3 BATHROOMS (2 full, 1 half)

1994 Square Feet

Beautiful And Open Describes This 3 Bedroom 2.5 Bath Town home Located in an award winning community, Situated On An Over sized Lot. This Open Floor Plan Lends Its Self To Large Gatherings And Entertaining. A Two Story Foyer Sets The Mode As You Enter This Home, Stepping Up To A Great Room with decorator custom paint, designer light fixtures, chair rail and Crown Molding and Brazilian Cherry Hard Wood Floors. First Floor Den Features A Window Seat. A Full Finished Basement with recessed lighting and Plenty Of Room For A Play Room,Rec Room Or Theater, Leaving Ample Space For Storage. The large Master Suite Features Cathedral Ceilings A huge…

4 ways distressed homeowners can start fresh

2012-06-07T07:46:00.000-07:00

Mood of the Market

Clearly, thankfully, the market is looking up. Way up, actually.

In many markets including Berlin and Voorhees, tales of multiple offers and a dearth of homes vis-à-vis the numbers of buyers who want them are becoming commonplace. Now, many analysts point to the banks' intentional decision to keep many foreclosures off the market as artificially driving this demand.

But if you're a seller in Berlin or Voorhees in today's market, the dynamics underlying the demand are much less important than the fact that your chances of getting your home sold at a good price are better than they have been in a long, long time.

The news for buyers is not all bad, either: For the first time in a long while, buyers are not faced with the double-edged sword prospect of buying into a declining market; appraisals are coming in at the agreed-upon purchase price; and mortgage rates are still uber-low (fingers-crossed).

But with all this fresh market optimism, there is an ugly elephant in our collective room, which is that many, many homeowners and former homeowners are still dealing with the lingering remnants of the subprime market mess and the real estate recession. Many are still upside down, still struggling to make the too-high payments on loans left over from the last peak of the market or trying to recover financially and otherwise from a recession-era foreclosure or short sale.

For those folks -- a huge, if silent, number -- here are four routes to a fresh slate:

1. Sell. Fact is, the vast majority of underwater homeowners who could stay put did. Walking away was very much the exception and not the rule. The result? There are hundreds of thousands of homeowners out there with homes that lost value during the recession who are still holding on to subprime loans that have long since reset. While these loans' rates tend to be low, if you had a short-term, interest-only, adjustable-rate mortgage in 2005 or 2006, chances are good that your payment actually increased steeply when you were required to begin paying the principal.

For sellers who have scrimped and saved, taken on second jobs, rented out rooms or allowed important expenses like property taxes or other bills to go unpaid in order to make a too-high mortgage payment, the current market dynamics may present a good opportunity to divest of an unsustainable mortgage obligation by selling or even short-selling the place.

Buyers are out en masse and prices are on the rise, meaning that you might not be as upside down as you were last year or the year before. Banks are moving short sales through much more quickly and efficiently than in years' past (though never as quickly or efficiently as we'd hope).

The income tax exemption on debt forgiven through a short sale is still valid through the end of this year (an extension is probable, but by no means guaranteed).

If you know or believe that your current home is simply too expensive for you to afford with financial integrity, and there is no end in sight, talk with a local agent and a tax professional about how you might be able to get a clean slate by selling the home.

2. Settle old seconds and HELOCs. If you lost a home to foreclosure in a nonrecourse state and you had a second mortgage or home equity line of credit, it's entirely possible that your second is still a lingering debt. (Your first mortgage can foreclose and repossess the home, leaving the second mortgagor holding nothing but paper.) Many second-mortgage holders are not actively collecting on these loans, but they simply stay on your credit reports and eventually rear their ugly heads when the time comes for you to try to qualify for a car or a mortgage.

Some recommend bankruptcy as an expedient way of extinguishing these loans for little or nothing, but the blemish bankruptcy leaves on your credit may defeat the purpose of getting rid of the old loan in the first place. I've been talking with some of these banks and servicers, and many of the banks will settle these unsecured second mortgages or home equity lines of credit for as low as 10 or 20 percent of the outstanding balance.

Contact the servicer of your former home's second or HELOC to discuss a settlement. Again, the taxes you would normally pay on the forgiven debt will be exempt through the end of this year, for most borrowers, so if you can settle this soon, it's in your best interest to do so. If you don't know what bank or servicer even manages this loan (many are sold and resold), check your credit report and seeing who is reporting the debt, if anyone, or take out your old documents with the loan number and researching the trail starting with your original servicer.

3. Check your credit reports and dispute expired derogatories. It might be hard to believe, but the first foreclosures from the last real estate recession began happening circa 2005-2006, so they are set to be timing off of credit reports right about now. If you had an early-recession foreclosure or short sale, check your credit reports now to ensure that they are being reported correctly, or not at all, if the seven-year expiration time frame has run. In fact, even if your short sale or foreclosure was not that early, it may make sense to pull your credit reports and understand how things are being reported and the impact these items are having on your credit score. You might be surprised, in one direction or the other.

4. Refinance and lock in low rates. If you lost value in your home during the recession, it might have been nearly impossible to refinance it to take advantage of lower rates and bring your payment down. With sales prices on the upswing and rates still low, though, you may have a new opportunity to refinance a "bad" loan and lock it in a today's uber-low rates.

207 Roosevelt Blvd, berlin NJ 08009...Open House....Presented by Team Clyde RE/MAX Connection

2012-06-02T06:53:00.000-07:00

OPEN HOUSE, June 03, Sunday 1:00 PM - 3:00 PM

207 Roosevelt Boulevard, Berlin, NJ

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3 BEDROOMS

3 BATHROOMS (2 full, 1 half)

1994 Square Feet

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

Teamclyde@gmail.com

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Remembering on Memorial Day and Showing Gratitude to those that made the ultimate Sacrifice

2012-05-27T04:42:00.002-07:00

As we stand here looking
At the flags upon these graves
Know these flags represent
A few of the true American brave

They fought for their Country
As man has through all of time
Except that these soldiers lying here
Fought for your country and mine

As we all are gathered here
To pay them our respect
Let's pass this word to others
It's what they would expect

I'm sure that they would do it
If it were me or you
To show we did not die in vein
But for the red, white and blue.

Let's pass on to our children
And to those who never knew
What these soldiers died for
It's the least we can do

Let's not forget their families
Great pain they had to bear
Losing a son, father or husband
They need to know we still care

No matter which war was fought
On the day that they died
I stand here looking at these flags
Filled with American pride.

So as the bugler plays out Taps
With its sweet and eerie sound
Pray for these soldiers lying here
In this sacred, hallowed ground.

Take home with you a sense of pride
You were here Memorial Day.
Celebrating the way Americans should
On this solemnest of days.

Do You Owe More Than Your Camden County Home Is Worth?.

2012-05-26T06:09:00.000-07:00

As a HAFA Specialist My Team is the leading resource for Home Affordable Foreclosure Alternatives education and assistance.

Homes Affordable Foreclosure Alternatives (HAFA) is a new federal program that makes it easier for homeowners who owe more than their home is worth in today’s market or are unable to keep their homes. With a traditional short sale, properties take a lot of time to sell and close, making it very difficult to plan for your family's future and increasing the level of stress in an already difficult situation.

The availability of the new HAFA program means easier sales and faster closings while removing mortgage liability because HAFA simplifies and streamlines the process for doing a short sale or deed-in-lieu, by providing a standard process flow, minimum performance timeframes and standard lender forms and documentation. It also mandates full release from mortgage debt for the seller.

As a HAFA Specialist I have been able to assist numerous homeowners and their families take advantage of this program with full release of all mortgage liabilities, reducing credit impact and allowing a second chance at homeownership much quicker!

Why is HAFA the right choice if you qualify?

Provides you with $3000 dollars at close for relocation expenses
Gives you an upfront release value to sell the home
Gives you a min of 120 days and max of 360 days to sell the home
10 business day approvals once a contract has been submitted for a approval
Permanent relief of all future liabilities associated with the loan from the Lender or Servicer
No Promissory Notes or funds required at close from the Borrower (i.e., seller)
No Deficiency Judgments
Mandatory Foreclosure Postponement
Decrease Borrowers time to re-establish credit and get a second chance at homeownership more quickly

Why should you work with a HAFA Specialist?

As a HAFA Specialist I:
Know who is eligible and who is not!
Understand the current U.S. distressed housing market
Have in-depth knowledge of the U.S. Treasury's HAFA program.
Know how Fannie Mae and Freddie Mac's HAFA programs work.
Have access to short sale evaluation tools for listing consults
Get HAFA program and Servicer updates as they occur
Have all the latest HAFA documents for the process

A qualified HAFA agent will analyze your information and situation, and will explain your options available to you under recent changes to Federal guidelines and regulations.

FHA May Ease Rules for Mortgages on Condos

2012-05-21T06:34:00.000-07:00

WASHINGTON — Thousands of condo unit owners and buyers around the country could soon be in line for some welcome news on mortgage financing: Though officials are mum on specifics, the Federal Housing Administration is readying changes to its controversial condominium rules that have rendered large numbers of units ineligible for low down-payment insured mortgages.

The revisions could remove at least some of the obstacles that have dissuaded condominium homeowner association boards from seeking FHA approvals or recertifications of their buildings for FHA loans during the past 18 months. Under the agency's regulations, individual condo units in a building cannot be sold to buyers using FHA insured mortgages unless the property as a whole has been approved for financing.

According to condominium experts, realty agents, lenders and builders, FHA's rules have become overly strict and have cut off unit buyers from their best source of low-cost mortgage money, thereby frustrating the real estate recovery that the Obama administration says it advocates.

Christopher L. Gardner, managing member of FHA Pros, LLC, a national consulting firm based in Northridge, Calif., that assists condo boards to obtain FHA approvals, said barely 25 percent of all condo projects that are potentially eligible for FHA financing are now approved. That is despite the fact, says Gardner, that FHA financing is the No. 1 mortgage choice for half of all condo buyers and is crucial to first-time and minority purchasers.

Moe Veissi, president of the National Association of Realtors and a broker in Miami, says FHA's strict rules "have had an enormous impact on individuals" across the country, especially residents of condo projects who suddenly find they are unable to sell their units because their condo board has not sought or obtained approval from FHA as the result of objections to the agency's strict criteria. This, in turn, depresses the prices unit owners can obtain and ultimately, said Veissi, harms their equity holdings and financial futures.

FHA officials defend their requirements as prudent and necessary to avoid insurance fund losses, but have expressed a willingness to reconsider some of the issues that have upset condo owners and the real estate industry. Among the biggest areas of criticism of FHA's rules are its limitations on:

• Non-owner occupancy. The agency requires that no more than 50 percent of the units in a project or building be non-owner-occupied. This rule alone has made large numbers of condominiums in hard-hit markets ineligible for FHA financing, where investors have purchased units for cash to turn into rentals.

• Delinquent condo association fee payments. FHA refuses to approve a project where more than 15 percent of the units are 30 days or more behind on payments of condo fees to the association. Given the state of the economy, this has been a problem for thousands of associations, even in relatively prosperous markets. Steve Stamets, a loan officer with Apex Home Loans in Rockville, Md., says some unit sellers and buyers have been so frustrated by the rule that they have offered to pay the amount of delinquent fees needed to bring the overall project into compliance "just to get the deal done. This is a ridiculous situation," said Stamets, who added: "When somebody calls up now and says they want to buy a condo with an FHA loan I cringe."

• Non-residential space usage. FHA has set a cap of 25 percent of the total floor space in a project for commercial use. Critics say this is too low and unrealistic for condo projects in urban areas, where retail and office revenues can be important to overall financial feasibility.

The agency has imposed a long list of other requirements on insurance and reserves, plus a highly controversial rule that associations interpret as creating severe legal liabilities for condo board officers if applications for FHA approvals contain inaccuracies. Andrew Fortin, vice president for government and public affairs at Dallas-based Associa, one of the country's largest homeowner association management firms, says that many boards, facing the prospect of up to 30 years in prison and heavy financial penalties, have refused to apply solely because of this personal liability requirement.

FHA is expected to clarify the personal liability language and make other modifications in its forthcoming rules. Whether the changes will be enough to convince condo boards to apply for approvals in large numbers is uncertain, but industry experts say they -- and condo unit owners -- are likely to welcome whatever loosening of the current restrictions FHA can offer.

207 Roosevelt Blvd, berlin NJ 08009....Presented by Team Clyde RE/MAX Connection

2012-05-21T06:16:00.002-07:00

Open House:

June 03, Sunday 1:00 PM - 3:00 PM

Avoid Foreclosure

Berlin Homes For Sale

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6056845

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

207 Roosevelt Boulevard

Berlin, NJ

Scan with your smartphone & take me with you.

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JUST LISTED

Peaceful And Friendly Neighborhood!

3 BEDROOMS

3 BATHROOMS (2 full, 1 half)

1994 Square Feet

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114 South King Street, Magnolia NJ 08049...Listed by Stephen B Clyde

2012-05-14T10:20:00.000-07:00

Avoid Foreclosure

Stephen Clyde

RE/MAX Connection Realtors

856-988-1800

MLS#: 6053856

Licensed In:
NJ

Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

114 South King Street

Magnolia, NJ

Scan with your smartphone & take me with you.

JUST LISTED

WOW!! AMAZING HOME -- TOTALLY UNIQUE!!