South Jersey Realtor Catherine McKendry Weichert Realtors Turnersville New Jersey

Posted: Aug 10, 2009, 8:46am PDT

Sewell New Jersey Heatherwood 55+ 27 Pleasant Valley Rd 3 bed, 2.5 bath $360,000

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 09 Sep 2009 12:15:32 -0500

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

27 Pleasant Valley, Turnersville, NJ

Heatherwood 55+ Springfield ll model with lot's of up-grades.

3BR/2BA Single Family House

offered at $360,000

Year Built	2005
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	1
Parking	2 Car garage
Lot Size	.16 acres
HOA/Maint	$100 per month

DESCRIPTION

Spacious Springfield model with 3 bedrooms and 2 full baths.Loft with bedroom, storage.Formal living room and dining room feature hardwood floors,custom moldings .Eat in Kitchen w/up-graded cabinets and counters, center island ,built in desk ,wine rack,walk in pantry and breakfast room.Master suite with his and her closets,master bath w/custom surround tile,jetted tub,high boy sinks and glass enclosed shower.Sunroom with glass surround that leads to oversized pation. Proff landscaping,sprinkler sys,security,vaulted ceilings,all new doors,recess lighting and so much more call Cathie McKendry for all appointments

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Hardwood floor
- Tile floor	- Family room	- Living room
- Bonus/Rec room	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Microwave	- Attic	- Laundry area - inside
- Yard

COMMUNITY FEATURES

- Garage parking

- Storage space(s)

OTHER SPECIAL FEATURES

- Great Community of 55+ with a cul-de-sac location.Hardwood fls,gas fireplace,master suite.loft w/bed

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker

Posted: Sep 9, 2009, 8:40am PDT

Washington Township NJ Sewell 7 Aintree Walk 5 bedrooms 2.5 baths $385,000

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 09 Sep 2009 12:12:08 -0500

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

7 Aintree Walk, Sewell, NJ

Estate living at it's best ! Surrey Lake Estates

5BR/2.5BA Single Family House

offered at $385,000

Year Built	2003
Sq Footage	3,800
Bedrooms	5
Bathrooms	2 full, 1 partial
Floors	2
Parking	2 Car garage
Lot Size	.35 acres
HOA/Maint	$25 per month

DESCRIPTION

The Providence Model Cul-de-sac location featuring 5 bedrooms ,2.5 bath with formal living spaces that offer a very generious floor plan.Grand center Hall entrance with hardwood fls, study and vaulted ceilings. Formal Living rppm features walk out bay windows, hardwood flooring that flow into the formail dining room and first floor study.Kitchen with breakfast room ,center island ,pantry and sliders leading to large custom deck and paver patio ,w/fully fenced in rear yard.Fam rm w/2 story vaulted ceilings, rear stair case,gas fire place and overlooks into the kitchen and breakfast room. First fl laundry,2 car garage (oversized),and freshly painted exterior.Master Suite with 2 closets,sitting area and full master bath w/garden tub, stall shower, and double vanity.Full fin basement w/ bar, media room, second fam room and 5th bedroom. Features of this home are crown moldings,shadow boxing moldings, chair rails, sprinkler system front and back,Front and rear stairs, 9 ft. ceiling height,bay windows,hardwood fl

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Hardwood floor
- Tile floor	- Family room	- Living room
- Bonus/Rec room	- Office/Den	- Dining room
- Breakfast nook	- Dishwasher	- Refrigerator
- Stove/Oven	- Attic	- Basement
- Washer	- Dryer	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard	- Jacuzzi/Whirlpool

COMMUNITY FEATURES

- Garage parking

- Storage space(s)

OTHER SPECIAL FEATURES

- Hardwood fl, front and rear stairs,first fl study,gas fire place,9 ft. ceilings

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker

Posted: Sep 9, 2009, 8:25am PDT

West Deptford Active Adult Community 104 York Rd, $309,900

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 09 Sep 2009 12:06:46 -0500

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

104 York Rd, West Deptford, NJ

Great 55 + community with 3 bedroom and 3 full baths. Located in West Deptford New Jersey The Grande at Kingswood

3BR/3BA Single Family House

offered at $309,900

Year Built	2006
Sq Footage	2,200
Bedrooms	3
Bathrooms	3 full, 0 partial
Floors	2
Parking	2 Car garage
Lot Size	.25 acres
HOA/Maint	$175 per month

DESCRIPTION

The Community of Village Grande. This 55+ community offers the best of both worlds with a great location, best lot location and still have Riverwinds close to you.This 3 bedroom 3 full bath home offers spacious open floor plan for fam and friends for those special occasions. First floor living spaces are 2 bedrooms, 2 baths,formal living rm,dining rm,kitchen,laundry,family rm and sun porch.The second floor loft area features a full bath, bedroom and another entertainment area. Beautiful kitchen with 42" solid Cherry cabinets, center island, walk in pantry ,Hardwood flooring, sliders to the rear enclosed porch and of course corian Counters.Master bedroom features custom ceilings,2 walk in closets,full master bath with stall shower,soaking tub, and double vanity w. cultured marble counters. Owner has taken much pride in this one and features are recessed lighting package ,up-graded carpets,screened porch,up-graded kitchen,ceramic tile,up-graded vanities and counters, 2 car garage,and great back yard.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- High/Vaulted ceiling
- Walk-in closet	- Hardwood floor	- Tile floor
- Family room	- Living room	- Bonus/Rec room
- Office/Den	- Dining room	- Breakfast nook
- Dishwasher	- Refrigerator	- Stove/Oven
- Microwave	- Attic	- Washer
- Dryer	- Yard	- Jacuzzi/Whirlpool

COMMUNITY FEATURES

- Garage parking

- Storage space(s)

OTHER SPECIAL FEATURES

- Hardwood flooring, Loft,9ft ceilings,42" solid Cherry Cabinets, Corian counters, Sun Room

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker

Posted: Sep 9, 2009, 8:44am PDT

Williamstown New Jersey $355,000 4 Bedrooms 2.5 bath Open House 6/28 1-4

Catherine McKendry, Realtor Associate (Weichert Realtors) — Fri, 26 Jun 2009 12:53:33 -0500

Estate Living at it's best

$355,000

512 Stockton Drive, Williamstown NJ

Features:

4 bedrooms, 2.5 baths
Full Finished Basement
First Floor Study/Office
2 Car Garage
Full finished Basement
Full Vinyl Fenced Yard
www.512stocktondrwilliamstownnj.com

Remarks:
Welcome to Stockton Run in Monroe Township!!This Expanded Taylor model boasts Grand 2 story foyer custom porcelain flooring, front /rear stair cases and a overlook onto the spacious family rm. Formal living spaces feature living rm,dining rm and first fl study/office. The open floor plan of the 2 story vaulted ceilings in the family room w/gas fireplace, custom surround, recess lighting are open to the kitchen and breakfast areas. Beautiful kitchen w.42 in cabinets, center island pantry, and granite counter tops w/custom ceramic back splash. First fl laundry w/laundry tub, ½ bath w/custom ceramic surround and mud entrance off garage entrance. Master suite with double door entry, trae ceilings, sitting room and walk in closets. Master bath with double vanity, stall shower and soaking tub. Other bed rms are very spacious with plenty of closet space. Full finished basement is about 1100 Sq,Ft with storage areas, custom tile fl,barber carpet and recess lighting. Bathrooms all have culture marble counters and up-graded vanities. Up-grades include vinyl fencing, recess light pkg.,security sys.phone outlets,tyvac wrapping, bay windows,9ft.ceilings,sprinkler sys.

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

Open House:

Jun 28
1:00 PM - 4:00 PM

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

©2007Properties Online, LLC, Patent No. US 6,760,707. The above information including square footage is based on data received from the seller and/or from public sources. This information is deemed reliable but has not been independently verified and cannot be guaranteed. Prospective buyers are advised to verify information to their own satisfaction prior to purchase.

Williamstown Homes for Sale $369,900 Stockton Run Catherine McKendry 856-404-5222

Catherine McKendry, Realtor Associate (Weichert Realtors) — Mon, 18 May 2009 15:06:59 -0500

Estate Living at it's best

$369,900

512 Stockton Drive, Williamstown NJ

Features:

4 bedrooms, 2.5 baths
Full Finished Basement
First Floor Study/Office
2 Car Garage
Full finished Basement
Full Vinyl Fenced Yard
www.512stocktondrwilliamstownnj.com

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Camden County Realtor-Homes for sale in Sicklervile Gloucester township $255,000.00

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 23 Apr 2009 12:47:43 -0500

Welcome Home

$255,000

3 Edelweiss Court Sicklerville NJ 08081 Gloucester Township, Sicklerville NJ

Features:

4 bedrooms, 2.5 baths
Hardwood Floors
Gas Fireplace
Garage Parking
4 Large Bedrooms
Cul-de-sac location-fully fenced yard
www.3EdelweissCourt.com

Remarks:
Country Oaks, cul-de-sac location in Gloucester Township. This home has great curb appeal and an owner who takes pride in all they have done with this home. Relax and enjoy the front porch overlooking the great lot on which this home is nestled. Full fenced yd, extended driveway parking. Home has 4 bdrms, 2.5 bths, formal living and dining rms, Fam rm, laundry rm, eat-in kitchen.Eat in kitchen has plenty of cabinets and counter tops, pantry and sliders leading to the rear yard. Pergo flooring all on first floor, recessed lighting, gas fireplace, all bathrooms have been re-done, new roof, A/C and heating 1 yr., ceramic tile floors in baths, custom moldings, upgraded fixtures, newer appliances, 50 gal water heater, new gutter system and capping. Master suite w/walk-in closet, re-done w/built-ins ,New master bath 2yrs and has ceramic tile flooring. All spacious bedrooms and plenty of storage. Lot size 82x179 fully fenced and 2 sheds. Put this on the list of homes to see today call me to set up appointments at 856-404-5222

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Gloucester Township NJ Sicklerville Reduced 4 bed, 2.5 bath $255,000 Country Oaks call Cathie 856-404-5222

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 23 Apr 2009 12:44:24 -0500

Welcome Home

$255,000

3 Edelweiss Court Sicklerville NJ 08081 Gloucester Township, Sicklerville NJ

Features:

4 bedrooms, 2.5 baths
Hardwood Floors
Gas Fireplace
Garage Parking
4 Large Bedrooms
Cul-de-sac location-fully fenced yard
www.3EdelweissCourt.com

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Gloucester County New Jersey Home for Sale Reduced $199,000 4 Bedrooms, 2.5 Baths

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 23 Apr 2009 10:53:38 -0500

Your New Home

$199,000

411 Rosebud, Williamstown NJ

Features:

4 bedrooms, 2.5 baths
Formal Living Room w/ Fire Place
All New Windows and Doors
4 yr. old Heater and A/C
Newer Roof
Corner Lot with fenced yard
www.411Rosebud.com

Remarks:
This home is your dream home with everything done for you, move in ,relax and just unpack. Home features 4 bedroom, 2.5 baths and a new kitchen. All of the bathrooms have been redone along with windows,doors,roof,fencing,hot water heater,A/C,heater, so have the comfort of knowing it has been all done. Call 856-404-5222 for all showing on this home and ask for Cathie

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Williamstown New Jersey Reduced to $199,000 4 bedroom Home for Sale

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 23 Apr 2009 10:51:02 -0500

Your New Home

$199,000

411 Rosebud, Williamstown NJ

Features:

4 bedrooms, 2.5 baths
Formal Living Room w/ Fire Place
All New Windows and Doors
4 yr. old Heater and A/C
Newer Roof
Corner Lot with fenced yard
www.411Rosebud.com

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Williamstown New Jersey Home for Sale $174,900-Catherine McKendry Weichert Realtors 856-404-5222

Catherine McKendry, Realtor Associate (Weichert Realtors) — Mon, 06 Apr 2009 14:41:09 -0500

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

34 King James, Williamstown, NJ

Spacious Rancher Newbury Farms !!

3BR/1BA Single Family House

offered at $174,000

Year Built	Unspecified
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	1
Parking	Unspecified
Lot Size	9,660 sqft
HOA/Maint	$0 per month

DESCRIPTION

What a great home owners take pride in this 3 bedroom 1 bath ranch home in Newbury Farms. Great lot that backs to wooded area for privacy.From the time you walk into this home you see the attention to detail with custom wood trim,hardwood flooring,new siding,roof,doors and newer windows.Formal liv rm with hardwood fls, soft colors and custom wood trim.Dining rm with hardwood fls,up graded lighting and new French doors to the outside patio. Kitchen is up dated with hardwood floors new appliances and up-graded fixtures and hardware.Fam room is large and may be larger than the measurments features soft colors, carpets 2 yrs.,and built in bar. Carpets in other rooms are 2 yrs.Bath has been re modled as well.Spacious back yard features patio, shed and above ground pool. Filter 1yr. and liner 3 yrs,(as-is)There is also a shed for additional storage(as is)

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Hardwood floor
Tile floor	Family room	Living room
Dining room	Dishwasher	Stove/Oven
Microwave	Stainless steel appliances	Laundry area - inside
Balcony, Deck, or Patio	Yard	Swimming pool

COMMUNITY FEATURES

Swimming pool(s)

OTHER SPECIAL FEATURES

Hardwood floors,new roof,new siding,windows,up-dated kitchen,stainless steel appliances,above ground

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker

Posted: Apr 6, 2009, 11:36am PDT

Gloucester Township NJ Sicklerville 4 bed, 2.5 bath $265,000 Country Oaks call Cathie 856-404-5222

Catherine McKendry, Realtor Associate (Weichert Realtors) — Sat, 04 Apr 2009 17:07:08 -0500

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

3 Edelweiss Court, Sicklerville, NJ

4BR/2.5BA Single Family House

offered at $265,000

Year Built	Unspecified
Sq Footage	Unspecified
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	2
Parking	1
Lot Size	Unspecified
HOA/Maint	$0 per month

DESCRIPTION

Country Oaks, cul-de-sac location in Gloucester Township. This home has great curb appeal and an owner who takes pride in all they have done with this home. Relax and enjoy the front porch overlooking the great lot on which this home is nestled. Full fenced yd, extended driveway parking. Home has 4 bdrms, 2.5 bths, formal living and dining rms, Fam rm, laundry rm, eat-in kitchen.Eat in kitchen has plenty of cabinets and counter tops, pantry and sliders leading to the rear yard. Pergo flooring all on first floor, recessed lighting, gas fireplace, all bathrooms have been re-done, new roof, A/C and heating 1 yr., ceramic tile floors in baths, custom moldings, upgraded fixtures, newer appliances, 50 gal water heater, new gutter system and capping. Master suite w/walk-in closet, re-done w/built-ins ,New master bath 2yrs and has ceramic tile flooring. All spacious bedrooms and plenty of storage. Lot size 82x179 fully fenced and 2 sheds. Put this on the list of homes to see today

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
Walk-in closet	Hardwood floor	Tile floor
Family room	Living room	Dining room
Breakfast nook	Dishwasher	Stove/Oven
Attic	Washer	Dryer
Laundry area - inside	Balcony, Deck, or Patio	Yard

COMMUNITY FEATURES

Garage parking	Covered parking	Guest parking
Storage space(s)

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker

Posted: Apr 4, 2009, 1:54pm PDT

Mount Epharim New Jersey Home For Sale $134,900.00 -Catherine McKendry Weichert Realtors

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 02 Apr 2009 19:19:27 -0500

Beautiful Ranch Home Just waiting for it's new Owner

$134,900

231 Grant Ave., Mount Epharim NJ

Features:

2 bedrooms, 1 bath
New Siding-Newer Windows,Fully insulated
Hardwood Flooring
New Bathroom
Detailed moldings
Fully Fenced Yard
www.231GrantAveMountEpharimNJ08059.com

Remarks:
Welcome to our home, owner has taken pride in this one. Re molded bath with all new ceramic tile surround, ceramic flooring, fixtures and vanity. Exposed hardwood flooring in living rm, dining rm,hall and bedrooms. All new 6 panel doors, front door, windows, and screen doors. Siding has been redone/new insulation and has been all capped. Living rm w/ hardwood fls/4 inch baseboards, dining rm features 2 custom corner china cabinets and new lighting fixtures. Kitchen has been up dated with new counter tops,flooring,extra cabinets,fixtures and large window with a view of the back yard. Master bedroom w/soft and natural color/hardwood flooring and 2 sets of corner windows, Second bedroom has a large closet with additional storage w/access to a 2nd crawl space. This home has a large garage w/a 15 ft high door/ great place for a shop, more storage and can hold a large truck or van. The home has additional crawl that is accessed by a back door in the rear of the home with steps and concrete floor. Fenced in property. Home warranty

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Williamstown New Jersey $209,000 411 Rosebud.com 4 Bedroom 2.5 bath Catherine McKendry Weichert Realtors

Catherine McKendry, Realtor Associate (Weichert Realtors) — Sat, 28 Feb 2009 12:39:34 -0600

Your New Home

$209,000

411 Rosebud, Williamstown NJ

Features:

4 bedrooms, 2.5 baths
Formal Living Room w/ Fire Place
All New Windows and Doors
4 yr. old Heater and A/C
Newer Roof
Corner Lot with fenced yard
www.411Rosebud.com

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Williamstown nj Homes for sale $209,000 411 Rosebud.com Catherine McKendry Weichert Realors

Catherine McKendry, Realtor Associate (Weichert Realtors) — Sat, 28 Feb 2009 12:34:27 -0600

Your New Home

$209,000

411 Rosebud, Williamstown NJ

Features:

4 bedrooms, 2.5 baths
Formal Living Room w/ Fire Place
All New Windows and Doors
4 yr. old Heater and A/C
Newer Roof
Corner Lot with fenced yard
www.411Rosebud.com

Catherine McKendry

856.404.5222 Cell

856.227.3428 x214 Direct

5070 Rt 42
Turnersville, NJ 08012

856.227.1950

Sicklerville/Gloucester Township Real Estate-2009 Tax Credit for First time Home Buyers. Catherine McKendry Weichert Realtors

Catherine McKendry, Realtor Associate (Weichert Realtors) — Fri, 27 Feb 2009 12:56:33 -0600

                                                  First Time Home Buyer Specialist !!
                             Specializing in Gloucester and Camden Counties in New Jersey.
Don't make a move without me ,Full Time Realtor working for you 7 days a week to make your dreams come true .



                             HOUSING AND ECONOMIC RECOVERY ACT OF 2009
                                             First-time Homebuyer Tax Credit

Call me Today and I will get you started 856-404-5222

Enhanced Tax Credit Provides Outstanding Opportunity for Home Buyers

In its efforts to stimulate the economy and revive the housing market, Congress has enacted legislation providing a tax credit of up to $8,000 for first-time home buyers.

But time is of the essence for buyers who want to take advantage of this opportunity. Only homes purchased on or after January 1, 2009 and before December 1, 2009 are eligible.

$8,000 Home Buyer Tax Credit at a Glance

· The tax credit is for first-time home buyers only.

· The tax credit does not have to be repaid.

· The tax credit is equal to 10 percent of the home's purchase price up to a maximum of $8,000.

· The credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009.

· Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit

*** Any Questions I think we have answer"s for you !****

1. Who is eligible to claim the tax credit?
First-time home buyers purchasing any kind of home-new or resale-are eligible for the tax credit. To qualify for the tax credit, a home purchase must occur on or after January 1, 2009 and before December 1, 2009. For the purposes of the tax credit, the purchase date is the date when closing occurs and the title to the property transfers to the home owner.

2. What is the definition of a first-time home buyer?
The law defines "first-time home buyer" as a buyer who has not owned a principal residence during the three-year period prior to the purchase. For married taxpayers, the law tests the homeownership history of both the home buyer and his/her spouse.

For example, if you have not owned a home in the past three years but your spouse has owned a principal residence, neither you nor your spouse qualifies for the first-time home buyer tax credit. However, unmarried joint purchasers may allocate the credit amount to any buyer who qualifies as a first-time buyer, such as may occur if a parent jointly purchases a home with a son or daughter. Ownership of a vacation home or rental property not used as a principal residence does not disqualify a buyer as a first-time home buyer.

3. How is the amount of the tax credit determined?
The tax credit is equal to 10 percent of the home's purchase price up to a maximum of $8,000.

4. Are there any income limits for claiming the tax credit?
The tax credit amount is reduced for buyers with a modified adjusted gross income (MAGI) of more than $75,000 for single taxpayers and $150,000 for married taxpayers filing a joint return. The tax credit amount is reduced to zero for taxpayers with MAGI of more than $95,000 (single) or $170,000 (married) and is reduced proportionally for taxpayers with MAGIs between these amounts.

5. What is "modified adjusted gross income"?
Modified adjusted gross income or MAGI is defined by the IRS. To find it, a taxpayer must first determine "adjusted gross income" or AGI. AGI is total income for a year minus certain deductions (known as "adjustments" or "above-the-line deductions"), but before itemized deductions from Schedule A or personal exemptions are subtracted. On Forms 1040 and 1040A, AGI is the last number on page 1 and first number on page 2 of the form. For Form 1040-EZ, AGI appears on line 4 (as of 2007). Note that AGI includes all forms of income including wages, salaries, interest income, dividends and capital gains.

To determine modified adjusted gross income (MAGI), add to AGI certain amounts such as foreign income, foreign-housing deductions, student-loan deductions, IRA-contribution deductions and deductions for higher-education costs.

6. If my modified adjusted gross income (MAGI) is above the limit, do I qualify for any tax credit?
Possibly. It depends on your income. Partial credits of less than $8,000 are available for some taxpayers whose MAGI exceed the phase out limits.

7. Can you give me an example of how the partial tax credit is determined?
Just as an example, assume that a married couple has a modified adjusted gross income of $160,000. The applicable phase out to qualify for the tax credit is $150,000, and the couple is $10,000 over this amount. Dividing $10,000 by $20,000 yields 0.5. When you subtract 0.5 from 1.0, the result is 0.5. To determine the amount of the partial first-time home buyer tax credit that is available to this couple, multiply $8,000 by 0.5. The result is $4,000.

Here's another example: assume that an individual home buyer has a modified adjusted gross income of $88,000. The buyer's income exceeds $75,000 by $13,000. Dividing $13,000 by $20,000 yields 0.65. When you subtract 0.65 from 1.0, the result is 0.35. Multiplying $8,000 by 0.35 shows that the buyer is eligible for a partial tax credit of $2,800.

Please remember that these examples are intended to provide a general idea of how the tax credit might be applied in different circumstances. You should always consult your tax advisor for information relating to your specific circumstances.

8. How is this home buyer tax credit different from the tax credit that Congress enacted in July of 2008?
The most significant difference is that this tax credit does not have to be repaid. Because it had to be repaid, the previous "credit" was essentially an interest-free loan. This tax incentive is a true tax credit. However, home buyers must use the residence as a principal residence for at least three years or face recapture of the tax credit amount. Certain exceptions apply.

9. How do I claim the tax credit? Do I need to complete a form or application?
Participating in the tax credit program is easy. You claim the tax credit on your federal income tax return. Specifically, home buyers should complete IRS Form 5405 to determine their tax credit amount, and then claim this amount on Line 69 of their 1040 income tax return. No other applications or forms are required, and no pre-approval is necessary. However, you will want to be sure that you qualify for the credit under the income limits and first-time home buyer tests.

10. What types of homes will qualify for the tax credit?
Any home that will be used as a principal residence will qualify for the credit. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats. The definition of principal residence is identical to the one used to determine whether you may qualify for the $250,000 / $500,000 capital gain tax exclusion for principal residences.

11. I read that the tax credit is "refundable." What does that mean?
The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer a check for a portion or even the entire amount of the refundable tax credit.

For example, if a qualified home buyer expected, notwithstanding the tax credit, federal income tax liability of $5,000 and had tax withholding of $4,000 for the year, then without the tax credit the taxpayer would owe the IRS $1,000 on April 15th. Suppose now that the taxpayer qualified for the $8,000 home buyer tax credit. As a result, the taxpayer would receive a check for $7,000 ($8,000 minus the $1,000 owed).

12. I purchased a home in early 2009 and have already filed to receive the $7,500 tax credit on my 2008 tax returns. How can I claim the new $8,000 tax credit instead?
Home buyers in this situation may file an amended 2008 tax return with a 1040X form. You should consult with a tax advisor to ensure you file this return properly.

13. Instead of buying a new home from a home builder, I hired a contractor to construct a home on a lot that I already own. Do I still qualify for the tax credit?
Yes. For the purposes of the home buyer tax credit, a principal residence that is constructed by the home owner is treated by the tax code as having been "purchased" on the date the owner first occupies the house. In this situation, the date of first occupancy must be on or after January 1, 2009 and before December 1, 2009.

In contrast, for newly-constructed homes bought from a home builder, eligibility for the tax credit is determined by the settlement date.

14. Can I claim the tax credit if I finance the purchase of my home under a mortgage revenue bond (MRB) program?
Yes. The tax credit can be combined with the MRB home buyer program. Note that first-time home buyers who purchased a home in 2008 may not claim the tax credit if they are participating in an MRB program.

15. I live in the District of Columbia. Can I claim both the Washington, D.C. first-time home buyer credit and this new credit?
No. You can claim only one.

16. I am not a U.S. citizen. Can I claim the tax credit?
Maybe. Anyone who is not a nonresident alien (as defined by the IRS), who has not owned a principal residence in the previous three years and who meets the income limits test may claim the tax credit for a qualified home purchase. The IRS provides a definition of "nonresident alien" in IRS Publication 519.

17. Is a tax credit the same as a tax deduction?
No. A tax credit is a dollar-for-dollar reduction in what the taxpayer owes. That means that a taxpayer who owes $8,000 in income taxes and who receives an $8,000 tax credit would owe nothing to the IRS.

A tax deduction is subtracted from the amount of income that is taxed. Using the same example, assume the taxpayer is in the 15 percent tax bracket and owes $8,000 in income taxes. If the taxpayer receives an $8,000 deduction, the taxpayer's tax liability would be reduced by $1,200 (15 percent of $8,000), or lowered from $8,000 to $6,800.

18. I bought a home in 2008. Do I qualify for this credit?
No, but if you purchased your first home between April 9, 2008 and January 1, 2009, you may qualify for a different tax credit.

19. Is there any way for a home buyer to access the money allocable to the credit sooner than waiting to file their 2009 tax return?
Yes. Prospective home buyers who believe they qualify for the tax credit are permitted to reduce their income tax withholding. Reducing tax withholding (up to the amount of the credit) will enable the buyer to accumulate cash by raising his/her take home pay. This money can then be applied to the down payment.

Buyers should adjust their withholding amount on their W-4 via their employer or through their quarterly estimated tax payment. IRS Publication 919 contains rules and guidelines for income tax withholding. Prospective home buyers should note that if income tax withholding is reduced and the tax credit qualified purchase does not occur, then the individual would be liable for repayment to the IRS of income tax and possible interest charges and penalties.

Further, rule changes made as part of the economic stimulus legislation allow home buyers to claim the tax credit and participate in a program financed by tax-exempt bonds. Some state housing finance agencies, such as the Missouri Housing Development Commission, have introduced programs that provide short-term credit acceleration loans that may be used to fund a down payment. Prospective home buyers should inquire with their state housing finance agency to determine the availability of such a program in their community.

20. If I'm qualified for the tax credit and buy a home in 2009, can I apply the tax credit against my 2008 tax return?
Yes. The law allows taxpayers to choose ("elect") to treat qualified home purchases in 2009 as if the purchase occurred on December 31, 2008. This means that the 2008 income limit (MAGI) applies and the election accelerates when the credit can be claimed (tax filing for 2008 returns instead of for 2009 returns). A benefit of this election is that a home buyer in 2009 will know their 2008 MAGI with certainty, thereby helping the buyer know whether the income limit will reduce their credit amount.

Taxpayers buying a home who wish to claim it on their 2008 tax return, but who have already submitted their 2008 return to the IRS, may file an amended 2008 return claiming the tax credit. You should consult with a tax professional to determine how to arrange this.

21. For a home purchase in 2009, can I choose whether to treat the purchase as occurring in 2008 or 2009, depending on in which year my credit amount is the largest?
Yes. If the applicable income phase out would reduce your home buyer tax credit amount in 2009 and a larger credit would be available using the 2008 MAGI amounts, then you can choose the year that yields the largest credit amount.

Catherine McKendry Weichert Realtors Gloucester and Camden County Real Estate 2009 Tax Credit up-dates

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 26 Feb 2009 16:04:07 -0600

Catherine McKendry , Realtor Associate
Cell 856-404-5222
First Time Home Buyer Specialist !!
Specializing in Gloucester and Camden Counties in New Jersey.
Don't make a move without me,Full Time Realtor working for you 7 days a week to make your dream a reality.

HOUSING AND ECONOMIC RECOVERY ACT OF 2009
First-time Homebuyer Tax Credit

$8,000 Home Buyer Tax Credit at a Glance

· The tax credit is for first-time home buyers only.

· The tax credit does not have to be repaid.

· The tax credit is equal to 10 percent of the home's purchase price up to a maximum of $8,000.

· The credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009.

· Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit

Any Questions I think we have answer"s for you !

3. How is the amount of the tax credit determined?
The tax credit is equal to 10 percent of the home's purchase price up to a maximum of $8,000.

15. I live in the District of Columbia. Can I claim both the Washington, D.C. first-time home buyer credit and this new credit?
No. You can claim only one.

18. I bought a home in 2008. Do I qualify for this credit?
No, but if you purchased your first home between April 9, 2008 and January 1, 2009, you may qualify for a different tax credit.

New Year 2009 !! New Me

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 01 Jan 2009 17:04:22 -0600

Happy New Year to all in the group. I am putting 2008 behind me and moving into 2009 with a much more different attitude for this market. Positive is the way to go, remove all the negative players who have surrounded me for the past year or so.

This resolution I am keeping !! Out with the old and in with the new , I know we all say that we are making changes . However, this one is going to stick and I have made a pack with myself. I am not changing the way I do business, why you may ask ? It is not how I have done business ,I am keeping my numbers steady or is it the yearly goals that need to be changed ? No they are reachable ones. It is for me ,who we have around us that can really effect the way we respond to changes in our business. Negative is not for me in 2009.

I am looking for a group who have a positive outlook , with in reason of course. We are still in a normal market as I say with a twist or two. I am considering a change in mortgage people, title people and of course agents who want to work and not just cry that they need more deals.

I am very interested to see what changes you all may be making in the new Year , if any at all.

Selling First Impressions !! What a World of Difference it will make in selling your home.

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 31 Dec 2008 15:26:06 -0600

Selling First Impressions

When selling your home there are no guarantees that a buyer will simply walk through the front door. In many cases you may have to bring your home to the buyer! When you list with me Your are going to see results, however as a seller there are a few things you can do as well.

Certainly effective marketing will help ensure that your property receives maximum exposure to attract a ready, willing and able buyer. But the appearance and overall condition of your home contributes to a buyer's crucial first impressions.

Appearance and condition apply to the outside of the home as well as the inside. So stand across the street from your house and review its "curb appeal." Then walk into your home with inquisitive eyes of a home-buyer. Try to see your home as a buyer would, and take action accordingly.

curb appeal:

Sweep front walkway and driveway. Pressure-washing the front walkway and driveway will make them look like new!
Remove newspapers, bikes and toys.
Park extra cars away from the property.
Trim back the shrubs.
Apply fresh, clean paint throughout.
Clean windows and window coverings throughout.
Keep pet areas clean.
Keep plumbing and all appliances in working order.
Maintain all sealant (window, tub, shower, sink, etc.) in good condition.
Make sure roof and gutters are in good condition.
Mow the lawn more frequently, and plant flowers.

interior of your home:

Kitchen and bathrooms should shine.
Quick once-over with the vacuum. Carpets should be clean and free of spots.
Place fresh flowers in the main rooms.
Put dishes away, unless setting a formal display for decoration.
Make beds and put all clothes away.
Enhance the spaciousness of each room.
Open drapes and turn on lights for a brighter feel.
Straighten closets. Clear out floors of closets to make them appear more spacious.
Put toys away.
Turn off television.
Play soft music on the radio/stereo.
Keep pets out of the way, and ensure pet areas are clean and odor-free.
Secure jewelry, cash, prescription medication and other valuables.

Other important reminders and suggestions:

Potential buyers usually feel more comfortable if the owners are not present.
If people unaccompanied by an agent request to see your property, refer them to your real estate professional for an appointment.
Leave a number where you can be reached if you are leaving town, even for a weekend.

Follow these tips to create the best first impression of your home. Improving your home's curb appeal and interior appearance can minimize your home's days on market and maximize your financial results and Call Cathie McKendry today for a Free CMA on the value of your Home 856-404-5222

Weichert Realtors and Catherine McKendry working to get your home SOLD in Gloucester ,Camden and Atlantic Counties in New Jersey

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 31 Dec 2008 15:06:12 -0600

Catherine McKendry,Realtor

856-404-5222

856-227-3428 x 214

What does it take to sell a home in today's market?

I'm the HouseValues real estate specialist in your neighborhood who prepared the market evaluation for your home. I hope it was a helpful starting point in making your real estate decisions.

To help you find a specific answer to the question above, I have dozens of tools and resources designed to minimize the stress of selling and maximize the value you receive from your home, such as:

* Detailed photo reports of homes recently sold or on the market in your area
* Evaluation of whether or not this is the optimal time to sell, given current market trends
* Keys to maximizing 'curb appeal' to capture the interest of more buyers
* Latest marketing techniques that use the Internet to reach busy, discriminating buyers

I can help save you time, energy and stress in selling your home. Whenever you're ready, I can schedule a no-obligation meeting to discuss your options by phone or in person.

I hope you'll contact me to help with your real estate needs. I am a Full Time Realtor working for you 7 days a week or until the job is done.Call me today for a Free CMA on the value of your home, Servicing all of Gloucester ,Camden and Atlantic Counties in New Jersey. 856-404-5222

How Many Steps Must be taken to Sell Your Home? Catherine McKendry Weichert Realtors Sewell NJ

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 31 Dec 2008 14:55:13 -0600

Catherine McKendry,Realtor

856-404-5222

856-227-3428x214

What does it take to sell a home in today's market?

To help you find a specific answer to the question above, I have dozens of tools and resources designed to minimize the stress of selling and maximize the value you receive from your home, such as:

I can help save you time, energy and stress in selling your home. Whenever you're ready, I can schedule a no-obligation meeting to discuss your options by phone or in person.

I hope you'll contact me to help with your real estate needs. Do it with a professional and full time Realtor who is working for you 7 days a week to get it done for my clients. Call 856-404-5222 for a free CMA on the value of your home.

Rental Williamstown NJ $1,150.00 3 besroom Rancher

Catherine McKendry, Realtor Associate (Weichert Realtors) — Wed, 31 Dec 2008 14:23:35 -0600

Catherine McKendry | Weichert Realtors Turnersville | cmcksales@aol.com | 856-404-5222

204 Colin Lane, Williamstown, NJ

Great Rental Property in Williamstown

3BR/1BA Single Family House

$1,150/month

Bedrooms	3
Bathrooms	1 full, 0 partial
Sq Footage	Unspecified
Parking	3+ dedicated
Pet Policy	Small dogs (< 25lbs)
Deposit	$1,725

DESCRIPTION

This home is located in the Collings Lake section of Buena Vista Township,featuring 3 bedrooms,1 bath rancher.Kitchen w/breakfast room,laundry room,mud room.New roof,heater, A/C, Septic,siding,insulation,and so much more. Home is ready for a quick settlement has C/O-

see additional photos below

RENTAL FEATURES

Air conditioning	Central heat	Hardwood floor
Tile floor	Living room	Dining room
Breakfast nook	Refrigerator	Stove/Oven
Attic	Washer	Dryer
Laundry area - inside	Balcony, Deck, or Patio	Yard
Cable-ready	High-speed internet

COMMUNITY FEATURES

Garage parking	Covered parking	Storage space(s)
Lake

LEASE TERMS

1150.00 per month tenant to pay elec,heat,gas,and lawn maintance.1st mont,last month and security at signing of leases

ADDITIONAL PHOTOS

Renter contact info:

Catherine McKendry

Weichert Realtors Turnersville

cmcksales@aol.com

856-404-5222

Posted: Dec 31, 2008, 12:02pm PST

Collings Lake Williamstown New Jersey $165,000 Buena Vista Township

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 18 Dec 2008 08:44:03 -0600

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

204 Colin Lane, Williamstown, NJ

Lake Community -Collings Lake-3 Bedroom Rancher $165,000.00

3BR/1BA Single Family House

offered at $165,000

Year Built	Unspecified
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	1
Parking	1 Car garage
Lot Size	11,251 sqft
HOA/Maint	$0 per month

DESCRIPTION

Lake community 3 bedroom rancher with spacious floor plan.3 bedrooms,living room,dining room,breakfast room and laundry/mud room.Full hall bath with shower tub combo.Large lot 150 deep,deck and 1 car detached garage.Newer roof ,heating,a/c,insulation.Home is ready and can settle quickly

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Hardwood floor
Tile floor	Living room	Dining room
Breakfast nook	Refrigerator	Stove/Oven
Attic	Laundry area - inside	Balcony, Deck, or Patio
Yard

COMMUNITY FEATURES

Garage parking	Storage space(s)	Lake
Playground

OTHER SPECIAL FEATURES

Lake Community 48.00 per year for lake usage

newer roof

new heater,siding,insulation and central Air

New septic

Seller contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker

Posted: Dec 18, 2008, 6:32am PST

Williamstown New Jersey Lake Community 3 bedroom Rancher $165,000

Catherine McKendry, Realtor Associate (Weichert Realtors) — Thu, 18 Dec 2008 08:38:55 -0600

Catherine McKendry | Weichert Realtors Turnersville | 856-404-5222

204 Colin Lane, Williamstown, NJ

Lake Community -Collings Lake-3 Bedroom Rancher $165,000.00

3BR/1BA Single Family House

offered at $165,000

Year Built	Unspecified
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	1
Parking	1 Car garage
Lot Size	11,251 sqft
HOA/Maint	$0 per month

DESCRIPTION

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Hardwood floor
Tile floor	Living room	Dining room
Breakfast nook	Refrigerator	Stove/Oven
Attic	Laundry area - inside	Balcony, Deck, or Patio
Yard

COMMUNITY FEATURES

Garage parking	Storage space(s)	Lake
Playground

OTHER SPECIAL FEATURES

Lake Community 48.00 per year for lake usage

newer roof

new heater,siding,insulation and central Air

New septic

Seller contact info:

Catherine McKendry

Weichert Realtors Turnersville

856-404-5222

For sale by agent/broker