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new jersey: Speechless Sundays - Is Jeff Belonger crazy nuts? - 01/30/11 09:27 AM
<<<<January 29th, 2011
Okay, so I am nuts... but for those that know me, I love my snow. Yes, I love my summers and the beach also.... but one of the reasons that I still live in the New Jersey area other than family (parents / nieces & nephews) and Philadelphia sports teams, is because of the snow that we get. And in the last 2 years, been getting more snow than in a long time... last big snowfalls... 1994 & 1995... and before that... the late 70's. Last year we got like 73 total inches … (14 comments)
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new jersey: Debbie from New Jersey -- I can't reach you..... - 03/12/08 09:36 PM
This might be odd since I am posting this in a blog, but I received this e-mail today from a consumer. I tried e-mailing her, but the e-mail bounced back. If you sent me this e-mail, please call me.
Subject: Help Me Please!!
Hi Jeff! I've been reading your blog and website and I'm hoping you can help me. I'm a single working mom living in NJ. When I look at the rents vs mortgage, it doesn't seem to make much sense to rent. I found a nice townhome in Jackson, NJ that my 13yr old daughter and I love. … (10 comments)
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new jersey: Adjustable Rate Mortgages - FHA Secure mortgages could be your answer.... - 01/05/08 04:38 PM
Could your adjustable rate mortgage be ready to adjust? Has it adjusted and you are now having problems making your new mortgage payments?
As I stated here, the FHA Secure Loan sounds great, but not all will qualify. But you need to a true mortgage professional to make sure that you would qualify and not just a bunch of broken promises from a sales person.
So what do you need to know to possibly qualify for the FHA Secure loan? Keep in mind, you currently don't have to have a FHA mortgage. But you do have to meet these … (9 comments)
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new jersey: Customer Service & Advertising -- At what cost.... - 12/06/07 08:47 PM
At what cost can poor customer service and misleading advertising have on your business? Yesterday afternoon I was too lazy to make lunch, so I decided to order pizza. I had some coupons that came from my Sunday paper last week. I am really not know as penny pincher, but I do look for deals from time to time. Don't we all? In any case, I wanted to see if I got a side of cheesy bread, how much would I save.
So I add up the Cheesy bread of $4.99 to the pizza price of $15.99. Guess what the total came … (28 comments)
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new jersey: FHA Secure Loan -- A political move or just being helpful -- The Positives/Negatives - 09/13/07 07:59 AM
The biggest thing to remember is that most of this loan is written under the normal FHA guidelines. The FHA Secure loan program will help some property owners, but not as many as one would think. I will explain this part later.
Now the question has been, who does this really help? Homeowners who might go into foreclosure if they don't get any payment relief? The government or President Bush, telling people that they care? Possibly some loan officers who can make so more money off those that they gave subprime loans to in the previous years? My estimate? I would … (17 comments)
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new jersey: FHA refinancing or purchasing -- The full scoop and nothing but the scoop - 09/02/07 03:31 PM
With the mortgage meltdown back in the beginning of the year for 2007 which has carried throughout the summer, FHA has become popular again. Kris Wales wrote in a comment that she received an e-mail from a loan officer stating that FHA is back. She wrote back stating that it never left and this is coming from a realtor.
Folks, FHA has never left. If your lender or loan officer can't offer you a FHA mortgage and your credit is less than perfect, then please seek out a mortgage professional that can offer FHA financing. Otherwise you might be going backwards. But … (36 comments)
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new jersey: Mortgage Blogs -- FHA, Conventional, VA, or Subprime -- Knowledge can be powerful..... - 09/02/07 06:24 AM
Albert Einstein was a smart cookie who was ahead of his time. In popular culture the name "Einstein" has become synonymous with genius. Mortgages aren't physics, but it can certainly seem like it if you don't have a loan officer that is not only good at explaining things to you, but one who is knowledgeable and can show you the many differences in loan programs.
As stated, mortgages can be confusing at times. It doesn't help when some loan officers don't take the time to walk you through the process. One piece of advice, no matter if you are purchasing or refinancing, … (37 comments)
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new jersey: FHA Shopping, rate shopping, fee shopping.... call it what you want, just be careful!!! - 09/01/07 09:36 PM
There are a few analogies that we all could use when comparing shopping for a mortgage, shopping for rates, and mortgage fees. We could use shopping for shoes, shopping for cars, or even shopping for Christmas trees. I thought I would use shoes as an analogy so Ines Hegedus-Garcia, Kristal Kraft, and other females could possibly relate to this. Should I include Mike Mueller because he wrote a post, Choose Your Mortgage As You Would Your Shoes, which was a good post.
So, what does shoes have to do with shopping for mortgages? It's quite simple. Each shoe has a different fit, … (10 comments)
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new jersey: FHA mortgages -- What's all the hype? - 08/30/07 08:38 AM
FHA, FHA, FHA....... why are more companies doing FHA now than they did in the last 5 years? In my opinion, this is a good thing, yet a scary thing. Why do I say this? So many lenders and loan officers are now jumping on the band wagon because other financing alternatives are not there anymore.
Peter G. Miller, a columnist for Reality Times mentions that the last two weeks of July showed an increase of 49.1 percent in FHA mortgage loans. He also states that applications for purchases were up 6 percent while refinances grew by 82.6 percent. Wow, why are … (18 comments)
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new jersey: Mortgage Rates -- Locking or Floating -- Part 2 of 2 - 08/24/07 09:26 PM
I had told a short story in regards to a first time homebuyer being very confused over the mortgage process, even though I explained it well to them. Why did this happen? Because they started to talk to family members who got them to shop around and a realtor that told them one fee was too high.
No matter if you are going for a FHA, conventional, VA, or subprime mortgage, you not only need to feel comfortable, but educated. The story turned out in my favor because the previous lender wasn't keeping in touch with his clients after application in … (10 comments)
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new jersey: The FHA Mortgage Group -- New Group - 08/17/07 08:46 AM
I just created a new group : The FHA Mortgage Group With todays ever changing market, FHA will be a viable part of how consumers will purchase or refinance their home. Sure, there are 100's of other financing options still out there today. FHA will not be the end to all other financing problems. But it will catch on as it should have been a strong front runner in previous years.
Group description : Where everything and anything about FHA is discussed. New programs, old programs, and bringing awareness to not only the consumer and realtor, but to all loan officers. … (24 comments)
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new jersey: Mortgage Loans & Topics -- Knowing what is out there - 08/15/07 09:35 AM
Mortgages can be confusing at times. Sometimes making feel like you are jumping out of a plane without a chute. It doesn't help when some loan officers don't take the time to walk you through the process. One piece of advice, no matter if you are purchasing or refinancing, but if it takes a full day to get a good faith estimate from a lender, this is usually a red flag. Unless they tell you that they are just busy. And by sharing some of these well written blogs, it might give you some good insight to as what to look … (13 comments)
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new jersey: Interest Credit -- Do you want to save your clients money at closing? - 08/04/07 07:56 PM
Do you want to sound like the savor to your clients when they are buying their house? How about talking to a loan officer that not only educates their clients, but who educates the realtor.
I wrote a post the other day called Curiosity is killing this cat...... what about you? for members only. I mentioned to Katrina that you can have clients settle at the beginning of the month so there isn't such a log jam at the end of the month. Then David Kucic and Missy Caulk both chimed in asking how this can be done and if I … (16 comments)
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new jersey: Foreclosure Tips -- How to avoid foreclosure..... - 08/03/07 10:14 PM
Foreclosure can be such a scary word at times. It has become an epidemic in recent years and sometimes it just can't be helped. There are many circumstances that can put you behind the eight ball that have put fear in many Americans. One thing that you can't allow to happen is not to face the truth.
The fear of foreclosure, especially when it starts to happen to you can take a toll on you, your family, affect your work, and anything else that you hold true to yourself. Never, never be afraid to ask for help. It's human nature to … (50 comments)
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new jersey: Buyers..... get ahead of the buying game of your new home!!!!! - 08/01/07 11:51 PM
Are you seriously shopping for a house? It doesn't matter if you have done this before or even if you are a first time homebuyer.
If you have bought before, don't think it's the same way as once before. The market changes every day. Mortgage programs can change at the blink of an eye. First time home buyers, just because your friend or family member had an easy time when they bought their house doesn't mean that it could be as easy and or simple as their purchase.
The number one rule of advice, try and get a referral of a … (14 comments)
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new jersey: Mortgage Gems -- Blogs to better understand mortgages - 08/01/07 10:36 AM
And who said you can't put the fun back into mortgages. Hit the fun button to the right and you might find out. ...... okay, so the button doesn't work. But isn't something that is confusing at first, can be fun, once you understand most of it? Well, that's what I would like to help you with by sharing some of these blogs.
If you are shopping for a mortgage, what do you look for online? If you come across an article or a blog on a certain topic, do you read the whole thing? After half way down, do you go … (16 comments)
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new jersey: Mortgage Advertising -- Is it like a scam? - 07/25/07 11:22 AM
Maybe Dateline NBC should do an episode on mortgage advertising and the fine print at the bottom of the commercial. You know, the print that is small and doesn't last more than a few seconds. Yes, that fine print. I was inspired to write this because of a comment from Jeff Geoghan, who said that perhaps I should do a HBO series on "desperate loan officers."
Are you starting to see more TV advertising since the market has slowed down? What does this mean sometimes. It can mean that some companies need more business. And who pays for these commercials? … (24 comments)
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new jersey: Business Card tips -- Part 2 - 07/24/07 07:46 PM
I wrote a blog back in December, Business Cards can help you move your career forward.... I received an e-mail today from Dena Stevens who gave me the idea to write more about business cards and what many of us learned from my first blog about this.
There are several different ways to think about the look of your business card.
Do you want it to be full of color? Do you want your picture on it. Do you want a lot of information on it or not much at all. Large print? Small print?Do you want your slogan on it?A professional … (76 comments)
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new jersey: Bankruptcies - Knowing what to do after the fact - 07/22/07 11:37 PM
Bankruptcies can sometimes not be avoided, depending on what happens in your life. I am not here to judge you at all. My job is to help you understand your current position and to help you with any future considerations when it comes to your financing options.
What I want to cover is if you have already gone through a Chapter 13 or 7 bankruptcy. So many people that did fall on hard times sometimes think that their lives are over with. This is not always the case, hence why you need to speak to a mortgage professional. One option … (14 comments)
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new jersey: Mortgage related topics -- How to have fun with mortgages...... - 07/18/07 06:05 PM
Some of us have our own ideas of fun. For some, a roller coaster could be lots of fun. For others, it could have been a scary experience or possibly one that we never tried. Why not? Afraid? Not a risk taker?
Mortgages.... it already sounds boring, doesn't it. So many topics written about mortgages; what a mortgage is, how to obtain a mortgage, and what kind of mortgage programs are there, can be found all over the internet.
If you are shopping for a mortgage, what do you look for online? If you come across an article or a blog … (16 comments)
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Jeff Belonger-The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans
Cherry Hill,
NJ
More about me…
Social Media - Infinity Home Mortgage Company, Inc
Address: Cherry Hill New Jersey 08034 08002 08003, Haddon Heights New Jersey 08035, Haddonfield, NJ, 08033
Cell Phone: (609) 440-5133
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