Do You Dream of Owning A Home? Investing in Real Estate? Are You Looking to Modify Your Mortgage?

Industry experts will present easy to understand sessions covering topics including the first time home buying process, credit readiness, financial planning, how to invest in real estate, what to expect when buying distressed homes and steps to be successful, and purchasing/selling foreclosures, modifications and short sales.

You will leave empowered to make the best decisions regarding your home.

Saturday, April 25, 20159:00am – 1:00pm

Jack Aaronson Conference CenterCentraState Healthcare System

901 West Main StreetFreehold, NJ 07728

Tickets: $5 Online $10 At the Door

www.greatermonmouthchamber.com

A Real EstateSeminarFor Everyone

Buying, Selling& KeepingYour Home

10 East Main Street • Suite 1AFreehold, New Jersey 07728

tel: 732 462-3030 • fax: 732 462-2123info@greatermonmouthchamber.com

Meet our speakers and their topicson the reverse side.

Innovation

EventSponsors:

Refreshment Sponsor:

THE SEMINAR WILL ALSO INCLUDE:

Light breakfast and refreshmentswill be available.

Vendor TablesGift Bag and Door Prizes

FIRST TIME HOME BUYERS SESSION

Matt Rossine, Loan Originator - Investors Home Mortgage. A first time buyer specialist with expertise in down-payment assistance grants and other cost cutting loan programs. His major focus is walking clients through every step of the purchase and mortgage process. Investors Bank is a portfolio lender

with the ability to make our own underwriting decisions and develop customer loan programs to fit our clients’ needs. Participating in a first time buyer’s course is a MUST in today’s revamped lending world. From down-payment assistance and grants, financial budgeting, and credit qualification, Matt will explain crucial information to assist you in qualifying for your home purchase.

“Mortgage Marvin” Rosenberg, NMLS# 199005 is the respected Branch Manager of Absolute Home Mortgage Corp. (AHMC) in Manalapan, NJ and a 13 year veteran of the mortgage industry. Marvin’s commitment to educating each client as well as the genuine care and attention each

person receives, has earned Marvin a following of loyal repeat clients as well as a strong referral business within the real estate, legal and financial services communities. Marvin is a 2012, 2013, 2014 and 2015 recipient of the Five Star Mortgage Professional Award and a Zillow 5-Star Lender. In this session, Marvin will explain the differences between being pre-qualified versus pre-approved for a mortgage, what is important about that, and why the amount of money you qualify to borrow may be different than what you “feel comfortable” spending.

Jason “Jay” Garrett brings nearly 15 years of sales and marketing experience, where he built and managed successful regional campaigns and programs for startup and leading companies in the real estate, and internet, web and information technology industries. Jason is a broker salesperson for a RE/MAX Innovation

in New Jersey, where he stays at the forefront of advances in real estate, and earns accolades for his success and professionalism, and commitment to customer service and support. In this session Jay will be explaining the key steps of the home buying process as well as how to prepare, and what to expect when purchasing a home in NJ. You will be able to leave feeling confident and fully empowered to make best possible decisions when buying your first home. All attendees will receive complimentary access to an interactive site that guides you through each phase of the home buying process at your own pace.

Neil Kipnis is a Certified ASHI home inspector that takes his inspections to the NEXT Level. Inspect It Neil uses the State of the Art equipment to help find those defects that may not be visible or accessible during normal means. He has appeared on Cable News for consumer advice and served a national panel

of Home Inspectors that helped rewrite the questions on the Home Inspection National Test. He currently mentors future Home Inspectors so he can teach them to offer their clients the same quality of excellence. Inspect It Neil’s motto is the only wrong question is the question you do not ask. You will understand why home inspection is critical to the buying process, how to make sure you get a home inspector like “the guy on HGTV” and the best questions to ask when comparing home inspectors.

REAL ESTATE INVESTING SESSION

Ashleigh Johnson, Partner - Foundation Title, LLC. Ashleigh started her career with Foundation Title in 2006 as the company’s Marketing Director, and was quickly promoted to an Account Executive. She developed her business by proving to be a tremendous resource to the real estate community. A few

distinctions are 2009 Salesperson of the Year; January 2010- Named Partner and; 2010, 2011, 2012, 2013 Top Producer. Ashleigh and Foundation Title are continuously striving to be the best in the business by providing excellent customer service, superior knowledge and innovative value added services. Foundation Title has 12 locations which service NJ, NY & PA. Join our session not only get great investment ideas, but to also learn to navigate the closing process for investment properties.

Giovana Onorato, Real Estate Investor -Coldwell Banker. With over 15 years of experience as a real estate investor, I love sharing my experience and knowledge with clients. As your agent and trusted advisor, I will utilize all resources available, and furnish the benefit of my unique, personal ingenuity to

help you achieve your goals. I provide each of my clients with exceptional service and utmost integrity, creating the best real estate experience possible. My knowledge and dedication, driven by my enthusiastic personality, make me uniquely qualified to assist you with your real estate needs. I am bilingual, I have a Masters Degree in Counseling and I am a certified mediator. Thinking about flipping real estate but not sure how?…Come learn what to expect when buying distressed homes and steps to be successful

Jonathan Raneiri, Financial Planner - Merrill Lynch. Jonathan holds the Chartered Retirement Planning Counselor or CRPC® designation from the College for Financial Planning®, and he graduated with a B.B.A. concentration in International Business and Finance from Loyola University

in Maryland and joined Merrill Lynch in July of 2010 as a Financial Advisor. Jonathan has also remained a licensed real estate agent in the State of New Jersey, since July 2005.Jonathan is also a qualified Portfolio Advisor who, in addition to providing traditional advice and guidance can help clients pursue their investment objectives by recommending individual, or any combination of, Merrill Lynch or approved third-party investment managers’ strategies, funds or portfolios. Explore methods for creative financing of your investments. Thinking outside of the box can help you discover new opportunities to increase your buying power.

HOME OWNERSHIP PRESERVATION SESSION

George E. Veitengruber, III, Esq. has been practicing law in Monmouth and Ocean County since 2004 with extensive legal experience in real estate, foreclosure defense and bankruptcy. Mr. Veitengruber has been hosting seminars on subjects such as Credit Repair, Understanding your Credit Report

and Understanding your Credit Score at local libraries and places of worship and was recently a panelist at the New Jersey State Bar Association Solo and Small Firm Conferences. George Veitengruber, III, Esq. grew up in Howell Township and has been an attorney in Monmouth County for 12 years. George frequently holds seminars at local libraries and community groups on a wide range of topics including improving your credit score, budgeting and all real estate related topics. George excels in taking financially distressed clients and rebuilding them into a stronger more knowledgeable consumer.

Barbara Quintanal, Bilingual Housing Counselor – Navicore Solutions. Barbara is an experienced housing counselor with several professional certifications. She has served on a variety of program initiatives including the Anti-Scam Initiative, Foreclosure Prevention Counseling, Pre- Purchase, Post Modification,

Fannie Mae, and NJ Restart. With her broad knowledge has worked in a number of counseling and education capacities. Her experience includes providing financial education outreach to mortgage servicers, investors, and non-profit social service organizations. Barbara will be discussing the different services that a HUD certified housing counseling agency can provide to clients at no charge in order to save their home from foreclosure, avoiding scams and the ability to answer questions.

Maureen Rodriguez, Certified Housing Counselor – Navicore Solutions. As a housing counselor, Maria focuses on providing assistance and education to both homeowners in crisis and those looking to purchase their first home. Maureen works closely with governmental organizations responsible for

both state and federal assistance for homeowners. Maureen also created the Professional Referral Network which provides realtors with information to assist their clients on homeownership needs. She is also a New Jersey Licensed real estate broker and has been in real estate for 15 years. Maureen Rodriguez will be present to provide onsite housing counseling.

Breakout Sessions: