STEVEN BETTS – Principal & Broker-of-Record

Steve’s background is in print and digital design, and has over 12 years of experience as a Creative Director for a leading design publication located in Manhattan.  While passionate about design, he decided to take his creative eye to real estate, and has been buying, selling, renovating and managing properties in New Jersey for several years. Steven has extensive knowledge of design and building practices within residential real estate, which comes into play while advising clients during the negotiations prior to a home purchase, and during the renovations afterwards.
“Not only will I find you your next home, I’ll help you see the true potential a property has to offer!”.

Formerly a sales associate at Century 21 in Lyndhurst and Better Homes & Gardens of Upper Montclair, he’s currently the Broker-of Record with Habitat, and has over 10 years real estate experience.  He is a lifelong New Jersey resident and currently resides Wayne.

GERALD DENICOLA – Principal & Broker-Salesperson

After more than 15 years working in the financial services industry, Jerry decided to give up the corporate world and his city commute to focus full-time on his love of real estate and urban planning.  He is an active real estate investor, with income properties in multiple states.  Jerry was formerly an agent at Weichert Realtors in Hackensack.  He is a lifelong New Jersey resident and resides in Upper Montclair.

ROBERT ALLEN – Sales Associate


Robert is a graduate of Saint Peters University with an MA in education, and has had a career in teaching that spans 17 years. After making the decision to retire from teaching, he has returned to the Real Estate industry full-time in which he has over 25 years sales experience.  Robert has extensive experience as both a landlord and investor and is also licensed as a home improvement contractor. His clients really appreciate and benefit by his diverse knowledge and experience.


Stuart-Photo-sm1A lifelong resident of Northern NJ, Stuart has also lived in New York and Los Angeles, CA. Stuart has a long & extensive sales background, having over 15+ years experience as a VP and managing partner at a family owned 3-generation, furniture and full-service department store located in Newark’s famous Ironbound Section.  A graduate of Syracuse University, Stuart has also attended the University of Southern California (USC) in Los Angeles and the New School in Manhattan. His Real Estate career began at the Commercial Division at Coldwell Banker Real Estate in Hackensack, NJ. Stuart has several years experience doing residential real estate appraisals, giving him an edge when assisting clients in determining the value of their property.  Stuart is considered a people person, and is well known for going above-and-beyond when helping others, whether it be in his business or personal life. Stuarts’ diverse interests include exploring the environment which has led him to develop a love for photography and being behind the camera. Stuart currently                                                                   resides in Suburban Essex County.

BARBARA RUDY – Sales Associate

Barbara has lived in Montclair for the past 30 years. She knows Montclair as well as anyone involved with the local realty scene. Barbara’s passion, aside from real estate, is music. She is currently the manager of the Montclair Community Band – a position she has held for many years. What sets Barbara apart from her peers, is a unvarnished truthfulness, a desire to get the absolute best deal for her clients while making each of her clients feel as though they are new family members.

FRANCES DUFFY – Sales Associate

Frances has performed in association with Radio City Music Hall, and is, like Barbara, a member of the Montclair Community Band. Frances and Barbara work great together and back each other up when the need arises. Frances takes just as much pride in representing her real estate clients as she does in performing her world class music.

CLAYTON BORCHARD – Broker-Saleperson

Born and raised in New Jersey, Clay brings more than 35 years of financial, mortgage and real estate experience to Habitat. Clay’s expertise as both a broker and home builder makes him uniquely qualified to advise clients on local markets and long-term value. Clay combines his love of real estate with a commitment to providing tailored, expert customer service for buyers and investors alike.

Clay is very active in the community and has won numerous accolades serving as Lieutenant of the Hackensack Fire Department for the past 28 years.