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.



  The new world of Private Mortgage Insurance.  This is an update to a post a few months ago, There have been a few significant changes. Over the past few years we have seen so many changes in the mortgage world, the most obvious one is the return of PMI. We spent years doing loans with piggy bac...
 Sixteenth Annual RPAC Gift Auction When: Wednesday, May 6, 2009 Where: Woodlake Country Club, Lakewood, NJ Call the OCBR to register (732)244-8111 Many agents are not aware of all the "Good Stuff" that RPAC does for our industry, They need your support! This is a big fund raiser to help support ...
      Have a great week Rob Robert Rauf Mortgage Banker   or my blog: (732)223-1630 x102 Since 1987 I have been helping my clients fulfill their dream of home ownership! Real Estate Mortgage Network        NJ Mortgages, New Jersey Mort...
   Below is a great chart of interest rates for the past 20 years. A few things to note: If you went back a few more years than shown on this chart, rates were MUCH higher in 1989 I paid 11.25 on my first mortgage! Points were very much the norm years ago, so the averages are artificially low Upd...
   Ocean County College Sailing and the Barnegat Bay Yacht Racing Association Barnegat Bay Yacht Racing Associationpresents:"Dave Perry & the New Racing Rules of Sailing"Friday, June 19at Ocean County CollegeCollege Drive & Hooper Ave., Toms River, New JerseyTwo Seminars:Seminar OneCustomized for...
 What is happening with rates this week? Based on the economic calendar and expected "happenings" this week I think we may see a slight improvement in rates by weeks end. There is quite a bit going on this week - from Auctions, To Fed Meeting to a laundry list of data... and don't forget Stocks, ...
  The Weather Man was correct, and it is even on the front page of the paper this morning. 82 Degrees Saturday, 86 Degrees Sunday and barely a cloud in the sky.  So turn off the computer and get outside! Lakewood Blue Claws play Saturday, and there is a boating and fishing expo prior to the game ...
   Cannibals capture three men. The men are told that they will be skinned and eaten and then their skin will be used to make canoes. Then they are each given a final request.  The first man asks to be killed as quickly and painlessly as possible. His request is granted, and they poison him. The ...
     A man and his wife were sitting in the living room discussing a Living Will"Just so you know, I never want to live in a vegetative state, dependent on some machine and fluids from a bottle. If that ever happens, just pull the plug."His wife got up, unplugged the TV and threw out all the beer...
   As a Mom was watching her 12 year old son putting a model car together and getting more frustrated by the minute until he was screaming. She walked in the kitchen and calmly said:"Tom you know what they say about patience?" he looked up at her and said "I know Mom patience is a VIRGIN"  She ju...

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