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.
  One thing I have noticed over my career, with each decade that passes by buyers are less willing to purchase a home that needs work. In some scenarios they don’t even want to deal with simple painting of a home. This causes a few issues when house hunting; competition and inventory.There are li...
I thought this would be pretty appropriate for today, have a GREAT week. “Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that” -Martin Luther King Jr.  Call me for all your residential lending needs! Robert Rauf Mortgage Loan Originator NM...
 Considering buying a home but you don’t have enough for 20% down to avoid Private mortgage insurance?  That is not a bad thing. PMI is there to allow a smaller down payment and on conventional loans it is NOT forever. There are two basic calculations that can be used for determining if you have ...
As a direct lender we have minimal issues with closing loans during the shutdown. FHA, VA, Fannie, Freddie have all been seamless.  I have even had a situation where one of my underwriters was able to speak with the VA on a unique Power of attorney situation on a loan I have in process. Of course...
 "It's really not about what you have. It's about how you're able to enjoy life in general."-Kevin Harvick"A life is not important except in the impact it has on other lives."- Jackie Robinson Call me for all your residential lending needs! Robert Rauf Mortgage Loan Originator NMLS# 248937http://...
 You work for Uncle Sam... You are not receiving a pay check and you are buying a home.  NOW WHAT? There is some good news here for most home buyers.  If you are buying a home and financing with any agency loan (effectively Fannie, Freddie, Ginny- FHA, VA, Conventional, USDA) You will be OK.  The...
  It is the sweet, simple things of life which are the real ones after all.  -Laura Ingalls Wilder Nobody gets to live life backward. Look ahead, that is where your future lies.-Ann Landers Call me for all your residential lending needs! Robert Rauf Mortgage Loan Originator NMLS# 248937http://www...
 First off: HAPPY NEW YEAR!Of course with a new year comes new paperwork.  As of 1/31/19 you will be receiving (or your clients will be receiving) 1099s and W2s for 2018.  As soon as they come available you will need to provide them to your lender even if you already have an approval.Make sure yo...
 Our initial concerns about Flood insurance not being available if there was a shutdown were confirmed, and in typical head spinning government fashion- reversed (what seemed like multiple times but was probably only the one back and forth, just enough to keep your attention)As of Late Friday: FE...
 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 ...

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