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.
 Quote of the day: "Life is like a ten speed bicycle. Most of us have gears we never use."-Charles M. Schulz Are you using all of your gears? I know I have been guilty of coasting when I should be pedaling.Now get back to work! Call me for all your residential lending needs! Robert Rauf Mortgage ...
 Are you headed to Triple Play this week? I will be there.  Stop by our booth  and say HI! Call me for all your residential lending needs! Robert Rauf Mortgage Loan Originator NMLS# 248937 or my blog: Office: (732)908-4868  Cel...
 The National Flood Insurance plan was set to expire Friday November 28th.  Late on Friday Congress approved a one week extension to the program.  Any new policies or renewals should be paid for before the new deadline of December 7, 2018.  There is anticipation that there will be a lapse that ma...
An Historical view of the FannieMae limitWith all the chatter this week with loan limits increasing I thought it would be fun to take a look back.But first- lets talk about the new limits:We have a significant increase in the base loan limit from $453,100 in 2018 to $484,350 in 2019. Since I am L...
 Admittedly this is a bit of a rant, but it can also be a bit of a lesson: I have always said to my business partners: "Call me before you take your clients out." Or: "If you are with clients, I am with clients- call me any time."  I will continue to say that. Over the years I have found that the...
 For the second year in a row, the Department of Housing and Urban Development’s (HUD) endorsement summary report has Homebridge ranked as the #1 203(k) renovation lender of the year. Setting the standard, Homebridge reported 954 endorsed 203(k) renovation loans in the 2018 fiscal year. That’s 87...
 In my previous Blog I wrote about climbing prices and how they are expected to continue to climb in 2019.  With affordability being a concern of many buyers - it is important to check with a licensed lending professional in your area (Like myself) to determine what you can do, rather than assume...
 While home prices have climbed 5.6% (September 2017- 2018), the place has slowed from the 7.1% we saw earlier in 2018.  From August to September we saw prices increase 0.4%.Nationally the slowing pace has been blamed on affordability issues.  According to CoreLogic's analysis of the country's to...
 I decided to go with a boxing theme for today's quotes... First one is from Muhammed Ali (Who has some of the greatest quotes): "He who is not courageous enough to take risks will accomplish nothing in life."  The second, Mike Tyson- love him or hate him, this is a great quote: "Everyone has a p...
 Did you know that Homebridge is the largest 203k (Renovation) Lender in the country?We offer Rennovation Lending for Conventional, FHA AND VA loans.  Our Renovation Concierge Service reviews over 150 work write ups each month and one of the main requested improvements we see from around the coun...

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