carol degrace: Visit us Today... - 02/25/11 02:47 AM

carol degrace: Are You Ready For Your Mortgage Approval... - 02/21/11 03:28 AM

carol degrace: It's Time to Buy Your New Home... - 02/21/11 03:15 AM
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carol degrace: USDA No Money Down Home Loans - 02/10/11 11:59 PM

carol degrace: Finally an Internet site for Consumers regarding FICO Scores... - 01/12/11 04:39 AM As of January 2011 this site is available for consumers to undersatand FICO Scoring... Treasury Mortgage, a Div. of Aurora Financial Group 1810 Springdale Road Cherry Hill, NJ 08003 856-489-5000 email: … (0 comments)

carol degrace: What's in the FICO® Score? - 01/12/11 04:26 AM
FICO Launches to Help U.S. Consumers Understand New Risk-Based Pricing Disclosures


carol degrace: Protecting Your Largest Single Investment - 01/08/11 03:54 AM
Protecting Your Largest Single Investment Title insurance is not as well understood as other types of home insurance but it is just as important. You see, when purchasing a home, you are really purchasing the title to the property – the right to occupy and use the space. That title may be limited by rights and claims asserted by others, which may limit your use and enjoyment of the property and even bring financial loss. Title insurance protects against these types of title hazards. Other types of insurance that protect your home focus on possible future events and charge an annual … (0 comments)

carol degrace: Is Employment on the Rise??? - 01/07/11 09:14 AM
The December Employment Report is expected to show the economy added 126k new jobs to the economy last month, including 140k new private-sector jobs. (Government jobs are expected to be depressed, bringing the headline figure down). Forecasts for the headline figure ranged from 90k to 225k according to 32 economists polled last week by Thomson Reuters. Since Wednesday’s ADP employment report ― which reported 297k private payroll gains in the month ― estimates have jumped upwards. “The surprisingly large increase very likely reflected seasonal adjustment distortions rather than a sudden swing in job market conditions,” said economists at Nomura Global Economics. … (3 comments)

carol degrace: What's Going On With Mortgage Rates? - 01/04/11 09:31 AM
What's Going On With Mortgage Rates?
The Fallout From QE2

November 19, 2010
After reaching the lowest levels in decades, mortgage rates have shot higher over the past two weeks. There is not a simple explanation for why this happened, but looking at the many factors which are influencing mortgage rates right now will help to understand what's going on. In short, when investors look ahead, they see few reasons for mortgage rates to move lower and many possible causes for them to move higher. The major negatives include stronger than expected economic growth, domestic and foreign opposition to quantitative … (2 comments)

carol degrace: New Fannie Mae Loan Lookup Available for Borrowers - 03/20/09 02:49 AM
New Fannie Mae Loan Lookup Available for Borrowers
As more borrowers become familiar with the Making Home Affordable program, there has been an increase in borrower inquiries regarding the identity of their mortgage investor. To help borrowers answer this question, we have launched theFannie Mae Loan Lookup for borrowers.
This new tool replaces the existing inquiry feature and provides an immediate answer indicating whether or not Fannie Mae is the investor on the loan at a specific address. Borrowers only need to enter their address information to get a result.
Freddie Mac offers a similar tool. Borrowers can … (0 comments)

carol degrace: Homebuyer Tax Credit Forms and Rules Now in Place - 02/26/09 07:48 AM
The Treasury Department has moved at record speed to implement one piece of the new American Recovery and Reinvestment Act of 2009 Act aka the stimulus act. The Department and the Internal Revenue Service which will manage it announced on Wednesday that forms and regulations are already in place for homebuyers who wish to claim the first-time credit enabled under the act. The credit is available to homebuyers who purchase a home before December 1 of this year. In an effort to make the effects of the credit felt quickly in the economy, homebuyers can claim the credit either on their … (1 comments)

Richard DeGrace, NMLS # 149277, Camden County, NJ Loan Officer (1st Colonial Community Bank)

Richard DeGrace

NMLS # 149277, Camden County, NJ Loan Officer

Cherry Hill, NJ

More about me…

1st Colonial Community Bank

Address: 210 Lake Drive East, Suite 300, Cherry Hill, NJ, 08002

Office: (856) 885-2022

Mobile: (609) 209-3700

Email Me

Aurora Financial Group, South Jersey's largest independent mortgage banker. More than 20,000 area consumers have received over $2.1 billion from Aurora over the past two decades. We offer a wide variety of mortgage products, including specialized programs targeted for first-time homebuyers and retirees/seniors. Since it's founding, Aurora has been at the forefront of innovative and addordable residential financing. Some of Aurora's notable achievements are: •Largest originator in southern NJ of government backed loans (FHA, VA, RHS), 1986 to present •Largest participant in NJ Housing & Mortgage Finance Agency (NJHMFA) programs, 1990 to present •Largest originator or Rural Housing Service guaranteed rural housing loans, 1992 to present •A leading providor of renovation and rehab loans using Fannie Mae's "Home-Style", FHA 203k, and NJHMFA's mixed use "upstairs-downstown" and home remodeling "HomePlus" programs •Seller-Servicer for Fannie Mae, NJHMFA, and numerous banks, pensions funds, and private investors. "Aurora Financial Group Inc. (NMLS # 7096) is a licensed Mortgage Banker - States of NJ & PA Departments of Banking."



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