The feeling that foreclosure is looming over you, clouds everything in your life. About 25 percent of homeowners in this country have found themselves facing a foreclosure as an alternative to unmanageable mortgage debt.

An estimated one fourth of the all U.S. homeowners are upside down on their mortgage – meaning they owe more on their home than they could sell it for in today’s market. Often times, the best solution for a homeowner in this type of situation is what we call a short sale. As short sale is when a bank agrees to accept less than what is currently owed on the mortgage.

I am distinctly qualifed to help navigage the entire landscape of foreclosure-avoidance solutions. If you are ready for a fresh start and determined to avoid scams, I invite you to e-mail me at John@bendallgroup.com and we can help you like the many we have help over the last 5 years.

Don’t wait – now is the time to point your future towards blue skies!

John Bendall

Broker/Owner

RE/MAX Classic Group

908-231-0700

When the real estate bubble burst, neither lenders nor legislators had any idea of what the fallout was going to be.

The unfortunate truth is that millions of Americans lost their homes and millions more are facing foreclosure. There are options to keep this from happening, and I am well versed on the range of alternatives available.

As a Realtor who has been licenced since 1986, sold over 1300 homes and a distressed property expert I have been helping homeowners who are feeling the stress of an unaffordable mortgage. If you or anyone you care about is wondering where to turn and call me and my team. We have helped a ton of families through these tough times.

It is my mission to help homeowners facing tough circumstances, and I would truly appreciate your taking the time to refer any homeowners you know who could benefit from my help. I’m sure that they would appreciate it, too. The sooner they contact me, the more time we’ll have to develop a strategy to get them back on track to financial stability.

Call the office at 908-895-1898

How to Save Money on Your Homeowners Insurance

In today’s economy, homeowners need to save money wherever possible. If you’ve been the victim of damage this winter, thanks to Mother Nature, you may be confronting the not-so-pleasant realities of your homeowners’ insurance policy. From high deductibles to lack of coverage to rising rates, many homeowners have been left to foot a big—unexpected!—bill.

As a member of the Top 5 in Real Estate Network®, I am well versed in some of the ways you can save money when it comes to homeowners insurance. For starters, you may be able to save hundreds of dollars a year by shopping your homeowners’ policy around, so please e-mail me if you need a referral or two. Also, here are some great, money-saving ideas from the Federal Citizen Information Center (www.consumeraction.gov):

•Increasing your deductible is an easy way to save money on a monthly basis. Even raising it by just a few hundred dollars can make a big difference in your premium.
•Ask your insurance agent about discounts. You may be able to get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire-retardant roofing material. Long-term customers and those over age 55 may also be offered discounts.
•Insure your house, not the land under it. After all, your land will still be there even if your home is damaged. If you don’t subtract the value of the land when deciding how much homeowner’s insurance to buy, you will pay more than you should.
•Don’t wait until you have a loss to find out if you have the right type and amount of insurance. Discuss with your insurance agent exactly what types of damage are covered, including natural “acts of God.” Many homeowners are caught offguard by this loophole.
•Purchase enough coverage to replace what is insured. “Replacement” coverage gives you the money to rebuild your home and replace its contents. An “Actual Cash Value” policy is cheaper but pays only what your property is worth at the time of loss – your cost, minus depreciation for age and wear.
•Consider any special coverage you may need for valuable and/or unique items, such as computers, cameras, jewelry, art, antiques, musical instruments, stamp collections, etc.
•Remember that flood damage may not be covered by a standard homeowners’ policy. If you live in an area prone to flooding, take advantage of the National Flood Insurance Program.

Bottom line, make sure you are working with an insurance agent who is experienced and trustworthy. Feel free to e-mail me for further information and please forward this e-mail to family and friends to keep them in the know as well.