Robert's Blog

Mortgage and Lending - HomeBridge Financial Services (NJ) - NMLS 248937
Mortgages are available in all shapes and sizes, no money and low down payment plans are still available, and dont forget to get qualified prior to shopping to be sure you are looking in the right price range.
 There is a misconception in the Real Estate world that it is better to close at the end of the month: It isn’t.(I could stop right there, but I will explain)This line of thought comes from odd interest. When you close on a mortgage you will pay interest for the remaining days of the month you cl...
 Robert Rauf Mortgage Loan Originator NMLS# 248937 or my blog: Office: (732)908-4868  Cell (732)740-0175  Since 1987 I have been helping my clients fulfill their dream of home ownership! ...
 Robert Rauf Mortgage Loan Originator NMLS# 248937 or my blog: Office: (732)908-4868  Cell (732)740-0175  Since 1987 I have been helping my clients fulfill their dream of home ownership! ...
 As of Monday June 4th we had a significant improvement to our eligible areas in Ocean County NJ. While we did lose some area on Long Beach Island, the gain we have closely matches the maps we had a few years ago with Bayville (West of Route 9) now being eligible along with Holiday City Berkley. ...
 "A good plan violently executed now is better than a perfect plan executed next week."-George S PattonHave you executed your plan?   If you want your business to succeed, you need a plan.  Have a great week!Robert Rauf Mortgage Loan Originator NMLS# 248937 or ...
Don't be surprised when you start seeing 5%2018 has been the fastest run up in interest rates we have seen in quite some time, with a 30 Year Fixed rate fast approaching the 5% mark for the first time in years I thought it would be a good idea to review the past few decades.I chose 1987 as a star...
 Earlier this month we launched a VA Renovation program.  HomeBridge will allow up to $35,000 of repairs to be financed into their mortgage.  We are already the largest FHA 203k lender in the country and are now making Renovation lending available to our Veterans with no money down.   Have a grea...
  While some of these may seem obvious, there are a few not-so-obvious financial choices you can make during the mortgage process that may slow the process or worse.On the credit side:          Do not open any new accounts and do not close any existing accounts; each of these moves can and will l...
  While each of these bullet points are a topic unto themselves, I though it would be important to touch upon the positive changes we have seen over the past year that have made it easier to be approved for a mortgage. We have seen the reversal of some guidelines originally implemented during the...
  HARP has become a 4 letter word in my industry and when I hear it on TV it makes me roll my eyes.  HARP is the Home Affordable Refinance Program. It was born out of the financial meltdown from over 10yrs ago now and at the time was a good thing.  It was designed to help people who lost equity i...

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