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.



 Improving your credit scoreIt is more important than ever to keep your score high.  Since 12/26/2008 Fannie Mae added significant add ons for credit scores below 680 and there are more changes coming. Rumors are that we will begin to see add ons to interest rate with scores below 720 on Conventi...
 Improve Your Listing PicturesExperts say that propertes advertised online and supported by at least six high-quality photos sell quicker than those using fewer. To boost your listings over the competition, consider these features when purchasing a digital camera: Panoramic pictures. Panoramic or...
Mortgage rates closed the week well  below 6% for the first time in a few months.  It was a bumpy ride with most lenders seeing rates change 4 times a day and it was a roller coaster ride of ups and downs.  The mortgage market is in the most confused state I have ever seen with huge swings in rat...
 a little easter fun, Happy Easter
FED Moves do not directly effect Mortgages   Every time the FED moves I get calls with the same questions or comments... "I heard the FED lowered mortgage rates."  That is hardly the case. The FED moves the shortest of short term rates, Basically the overnight lending rate to banks.    Any time t...
Keep In Touch   Maintain a long lasting relationship with clients using the KIT principle. Keep In Touch.  Once the deal is done, immediately send a thank you card and include several business cards. Follow up with a customer satisfaction survey asking questions: "Were you satisfied with the proc...
If at First You Don't Succeed...  Once is never enough, especially when it comes to selling.   A marketing research specialist from Notre Dame once shared this golden nugget: 44% of salespeople make one phone call to a prospective buyer before giving up; 24% make two calls before moving on; 14% m...
Build Your Sphere of Influence   A sphere of influence is basically a list of people you know and it is the foundation of a successful business. Without Prospects, you wont close deals. Growing and keeping in touch with your Sphere are keys to your success.   Who do you know? Start with a list an...
Creating Customers for life   Growing a successful business starts with the decision to be the absolute best Real-estate professional you can be. According to Carl Sewell and Paul B. Brown, Authors of Customers for Life, being the best revolves around turning one-time buyers into life long custom...

Robert Rauf

Ask me a question
Spam prevention

Additional Information