rob rauf: Scotsman Guide: HomeBridge in the top 10! - 06/23/15 12:58 AM
 HomeBridge Financial Services is in the Top 10! The flyer below is the pretty version, showing HBFS is the 9th largest mortgage lender in the country (according to Scotsman’s Guide). HomeBridge started in NJ in 1989 and has grown over the years and we are licensed in 47 states. We are Mortgage Bankers, which means we are the lender:
We process Underwrite Close And even Service about 90% of the loans we originate.    
 
 
 
 
Have a great week
Rob
 
Robert Rauf 
Mortgage Loan Originator NMLS ID# 248937
 
http://www.homebridge.com/RobertRauf 
or my blog: http://activerain.com/blogs/rrauf 
Office: 
 
RRauf@HomeBridge.com
 
www.RobertRauf.com
 
 
Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge … (0 comments)

rob rauf: Monday Quote and Business Tip Of The Week: May 12, 2014 - 05/12/14 08:25 AM
QUOTE OF THE WEEK...
"When you have exhausted all possibilities, remember this: you haven't."
--Thomas Edison
 
BUSINESS TIP OF THE WEEK...
Imagine exactly what you want your life and work to look like. This will give you the energy and momentum you need to get there, keeping you focused on why you're making the effort
 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
Office: (732)908-4868 RRauf@HomeBridge.com

Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMN, … (2 comments)

rob rauf: FHA and VA loans Down to a 580 Credit score! - 04/23/14 03:29 AM


HomeBridge Financial Services will now go down as low as a 580 Credit score!!!
There are some important points/restrictions to keep in mind: This isn't for the person living with Mom that has bad credit- It is for the good person that something bad happened t.
We need a 12 month housing payment history Requires a 10% down payment, and it cannot be a gift. No Multi Family properties Strict (but reasonable) ratios 31/43 For FHA and VA Here is the pretty flyer:

 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf … (19 comments)

rob rauf: Monday Quote and Business Tip Of The Week: April 21, 2014 - 04/21/14 02:46 AM
 
QUOTE OF THE WEEK... 
"Appearances are often deceiving."
--Aesop

BUSINESS TIP OF THE WEEK...
 
Stop doing so much! Look for ways to cut busy work. Group small tasks and do them during down time. Or outsource peripheral chores at a cost that's less than what you make working on your core business.
 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
Office: (732)908-4868 RRauf@HomeBridge.com

Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMN, HomeBridge Financial … (1 comments)

rob rauf: Monday Quote and Business Tip Of the Week: April 14th - 04/14/14 06:33 AM
 
QUOTE OF THE WEEK... 
"Spring is nature's way of saying, 'Let's party!'"
--Robin Williams

BUSINESS TIP OF THE WEEK...
 
Want to jump-start your creativity? A recent study revealed that the most creative people focus on asking a lot of questions, staying positive, and seeking to learn from others.
 
 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
Office: (732)908-4868 RRauf@HomeBridge.com

Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMN, HomeBridge Financial Services is located at … (2 comments)

rob rauf: Monday Afternoon Quote and Business Tip Of The Week 3/31/14 - 03/31/14 02:12 AM
 
QUOTE OF THE WEEK...
(an appropriate one since it was snowing this morning in NJ. MARCH: In like a Lion OUT like a lion!)
 "Winter is not a season, it's an occupation."
--Sinclair Lewis
 
BUSINESS TIP OF THE WEEK...
Learn from what others have done, but then carve out your own path, dealing with whatever comes along. If something doesn't work, try something else. Above all, never give up.
 
 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
Office: (732)908-4868 RRauf@HomeBridge.com

Since 1987 … (4 comments)

rob rauf: INSPIRATION - 03/27/14 02:55 AM
 
Here is the secret of inspiration:
Tell yourself that thousands and tens of thousands of people, not very intelligent and certainly no more intelligent than the rest of us, have mastered problems as difficult as those that now baffle you.

William Feather
This one is so spot on, how often have you had conversations with people that can  barely tie their own shoes?  Yet we get in our own way every day.
 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
Office: (732)908-4868 RRauf@HomeBridge.com

Since 1987 I … (4 comments)

rob rauf: Wordless Wednesday: SPRING??? - 03/26/14 12:55 AM

 
Have a great week!
Rob
Robert Rauf
Mortgage Loan Originator NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
Office: (732)908-4868 RRauf@HomeBridge.com

Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMNHomeBridge Financial Services is located at 16 Madison Avenue, Building 2 Suite 2D Toms River, NJ 08753. NMLS #6521. New Jersey Licensed Lender and Mortgage Banker #L041053. Visit www.Homebridge.com for more information.NJ Mortgages, New Jersey Mortgages, Mortgages in NJ, mortgage in New Jersey, Mortgages in New Jersey, Toms River NJ 08753, Toms River NJ 08755, Brick NJ 08723, … (1 comments)

rob rauf: The Answers To The Questions Your Clients Ask-THAT YOU CANT ANSWER - 03/25/14 02:38 AM
 
How often do you have clients that ask the questions you know you can't answer?
The demographics of an area, crime rates etc...
Wouldn't it be great if you had a place to send them, rather than just saying: "I cant answer that" or "Take a drive around the neighborhood"
There is a place to send them to give them all the details of an area: Just Click HERE.
Once you have the web page up, enter a zip code and give it a minute or two to load (there is a huge amount of data that takes time) and you … (20 comments)

rob rauf: Friday Quotes: 2 for the price of one - 03/21/14 01:12 AM
 


" I’m thankful to all those who said NO, because of them I did it myself."
--Albert Einstein

“Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.”
(stolen from Inna Ivchenko)
--Zig Ziglar
 
 
 
Have a great weekend
 
 
 Rob
 
 
Robert Rauf
 
 
 
Mortgage Loan Originator NMLS ID# 248937
 
 
 http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
 
 
  Office: (732)908-4868 RRauf@HomeBridge.com
 
 
 

 
Since 1987 I have been helping my clients fulfill their dream of home … (4 comments)

rob rauf: Monday Quote and Business Tip Of the week: VUJA-de - 03/17/14 05:59 AM

QUOTE OF THE WEEK...
 "The single biggest problem in communication is the illusion that it has taken place."
 --George Bernard Shaw

BUSINESS TIP OF THE WEEK...
Innovation can come from looking to improve everyday things, what the late comedian George Carlin called "vuja de"--seeing mundane items through fresh eyes.
 
Have a great week
 
 
 Rob
 
 
Robert Rauf Mortgage Loan Originator NMLS ID# 248937
 
 
 
 http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
 
  Office: (732)908-4868 RRauf@HomeBridge.com
 
 

Since 1987 I have been helping my clients fulfill their dream of … (0 comments)

rob rauf: Wordless Wednesday: Wine- A Keeper. - 03/12/14 03:28 AM

Now I have to find it again!
 
 
Have a great week
 
 
 Rob
 
 
Robert Rauf Mortgage Loan Originator NMLS ID# 248937
 
 
 http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
 
 
 Office: (732)908-4868 RRauf@HomeBridge.com
 
 
 
 

 
Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMNHomeBridge Financial Services is located at 16 Madison Avenue, Building 2 Suite 2D Toms River, NJ 08753. NMLS #6521. New Jersey Licensed Lender and Mortgage Banker #L041053. Visit www.Homebridge.com for more information.NJ Mortgages, New Jersey Mortgages, Mortgages … (10 comments)

rob rauf: Monday Quote and Business Tip Of The Week & Inventory Issues - 03/10/14 06:04 AM

QUOTE OF THE WEEK...
 "The unexamined life is not worth living."
--Socrates

BUSINESS TIP OF THE WEEK... Know when to hire outside help so you can dedicate yourself to the tasks that have the most impact, the ones that really matter.

Low inventory has been a challenge in some markets, so it was encouraging to see a national real estate site report inventory up in 22 of its 35 largest metros. The National Association of Realtors (NAR) put inventory up 7.6% year-over-year in January. All this is the result of higher home prices, yet more inventory … (0 comments)

rob rauf: Tuesday Quote of the Week, Business tip of the week +Geopolitical Fun - 03/04/14 05:50 AM
 

QUOTE OF THE WEEK... 
"Never, never, never give up."
--Winston Churchill

BUSINESS TIP OF THE WEEK:
A great communications exercise is to boil down your message to less than 30 words and just three key points. Being succinct is important, whether you're chatting up a prospect or a member of the media.
In the interest rate world:
All eyes on Russia. Geopolitical issues have had rates bouncing back and forth this week. Monday was all bad news-leading to lower rates, and today has been good news (THANK GOD!!) and we have a bit of a bounce … (1 comments)

rob rauf: Big Banks Don't Just Do Mortgages....and That's EXACTLY The Problem!!! - 02/27/14 02:58 AM

This is a post from my Friend Larry Bettag in Illinois.  I do have a few friends that work for the big banks that are very good at what they do, but in reality-Larry hits the nail on the head with this blog.  Its a quick read: Who do would you want to handle the biggest transaction in your life?
Have a great week
 
 
 
Rob
 
Robert Rauf Mortgage Loan Originator NMLS ID# 248937
 
 
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
 
 
(732)908-4868  RRauf@HomeBridge.com
 
 
 

Call Send SMS Add to Skype You'll need … (0 comments)

rob rauf: Boost Your SEO! - 02/27/14 01:07 AM
 
 
 
Have a great week
 
Rob
 
Robert Rauf Mortgage Loan Originator NMLS ID# 248937
 
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
 
(732)908-4868
 
RRauf@HomeBridge.com
 

Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMNHomeBridge Financial Services is located at 16 Madison Avenue, Building 2 Suite 2D Toms River, NJ 08753. NMLS #6521. New Jersey Licensed Lender and Mortgage Banker #L041053. Visit www.Homebridge.com for more information.NJ Mortgages, New Jersey Mortgages, Mortgages in NJ, mortgage in New Jersey, Mortgages in New Jersey, Toms River NJ 08753, Toms … (1 comments)

rob rauf: Monday Quote and OLYMPIC Sized Business Tip Of The Week - 02/24/14 01:13 AM
 

"I don't care too much what happened in the past. I prefer to focus on what is coming next and I am really looking forward to it." --Sebastian Vettel
 

BUSINESS TIP OF THE WEEK... Athletes at the Winter Olympics got there by setting very high goals and then persistently pursuing them when setbacks came. Those same actions will get us where we want to go in business.
 
 
Have a great week
 
Rob
 
Robert Rauf Mortgage Loan Originator NMLS ID# 248937
 
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
 
(732)908-4868
 
RRauf@HomeBridge.com
 

(2 comments)

rob rauf: Monday Quote and Business tip of the week 2/10/14 - 02/10/14 03:56 AM
 
"High expectations are the key to everything."
--Sam Walton
 
 
BUSINESS TIP OF THE WEEK... What you give is what you get. Successful networking goes two ways. Give your contacts more referrals and they'll give you more referrals back.
 
 
 
Have a great week
Rob
Robert Rauf
Mortgage Loan Originator
NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf(732)908-4868RRauf@HomeBridge.com

Since 1987 I have been helping my clients fulfill their dream of home ownership! HomeBridge Financial Services, Formerly REMNHomeBridge Financial Services is located at 16 Madison Avenue, Building 2 Suite 2D Toms River, NJ 08753. NMLS #6521. … (1 comments)

rob rauf: Monday Afternoon Quote and Tip Of the Week. - 02/03/14 03:07 AM
 
 
"Any fool can criticize, condemn and complain -- and most fools do."
 
--Benjamin Franklin
 
BUSINESS TIP OF THE WEEK... Keep it fresh. Regularly look for a new way to express your key message, then put it out there in emails, blogs, and social media to re-energize relationships with prospects and customers.
 
Have a great week
Rob
Robert Rauf
Mortgage Loan Originator
NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
(732)908-4868
RRauf@HomeBridge.com
Since 1987 I have been helping my clients fulfill their dream of home ownership!
HomeBridge Financial Services, Formerly REMN

HomeBridge Financial Services is located at 16 Madison Avenue, Building 2 Suite 2D … (1 comments)

rob rauf: Our Name Change is Official as of Today: 2/3/14 - 02/03/14 01:01 AM

 
 
 
Have a great week
Rob
Robert Rauf
Mortgage Loan Originator
NMLS ID# 248937
http://www.homebridge.com/RobertRauf or my blog: http://activerain.com/blogs/rrauf
(732)908-4868
RRauf@HomeBridge.com
Since 1987 I have been helping my clients fulfill their dream of home ownership!
HomeBridge Financial Services, Formerly REMN

 

HomeBridge Financial Services is located at 16 Madison Avenue, Building 2 Suite 2D Toms River, NJ 08753. NMLS #6521. New Jersey Licensed Lender and Mortgage Banker #L041053. Visit www.Homebridge.com for more information.

NJ Mortgages, New Jersey Mortgages, Mortgages in NJ, mortgage in New Jersey, Mortgages in New Jersey, Toms River NJ 08753, Toms River NJ 08755, Brick NJ 08723, Brick NJ 08724 Mortgages in Ocean … (8 comments)

 
Robert Rauf (CMG Home Loans)

Robert Rauf

Toms River, NJ

More about me…

CMG Home Loans

Address: 9 Grand Ave, Building 2 Suite A, Toms River, NJ , 08753

Office: 732-908-4868

Mobile: 732-740-0175

The mortgage market is ever changing, do not be afraid to ask what is new!


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