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.
 BUSINESS TIP OF THE WEEK... Respond quickly to prospect inquiries. A recent study showed the odds of connecting with a lead are 100 times higher if contacted within five minutes of making an inquiry, than if contacted within 30 minutes.  RobRobert Rauf Mortgage Loan Originator NMLS# 248937 http:...
 As I approach my 29th anniversary in the mortgage business I have lost count of how many times I have had a client ask me: What should I offer on this property?  - The girl giving them a pedicure is telling them to offer 20% less, Mom and dad who purchased 2 homes in their lives are telling them...
Understanding your credit scoreBy Robert Rauf  Your credit score is more important than ever. It can affect everything from Insurance, to your job and your ability to be approved for a loan and the rate you get when borrowing.Credit scores range from 300-850. Scores below 620 are considered bad, ...
 Here is a little business tip of the day to help speed up your transactionsIn NJ we have a new TRID contract, and I am sure this is the same for most states.... amongst all the little changes on the contracts there are a few new blanks to fill in.  Now being in the Mortgage industry for close to...
  Here are a few examples of some recent changes that are making it easier for buyers. Fannie Mae has had a few significant changes recently that signaled a further loosening in the mortgage guidelines. Some of the bigger changes are:          Non-occupant co-borrowers to help an owner occupant q...
 One of the topics I discuss with New Members coming into the Ocean County Board of Realtors each month is Realtor Safety... It is a serious topic- I encourage all of you in the industry to take a few minutes to watch this video- Beverly Carter's Son, Speaking in front of a group of Realtors in D...
 We hit a milestone number for the North East Region.  We are not just a little shop- We are a top 10 lender and 3rd in the country in rehab loans.  Thank you to everyone that chose us to finance their piece of the American Dream!  By the end of the year we hope to double that number!            ...
 Have I told you how much we love doing Renovation loans? We offer the Fannie HomeStyle and the FHA 203k as either Full K's or Streamline K's. No matter which way you choose to finance your project we have our Concierge walk our clients through the entire construction process- which includes gett...
 HomeBridge Financial Services is in the Top 10! The flyer below is the pretty version, showing HBFS is the 9th largest mortgage lender in the country (according to Scotsman’s Guide). HomeBridge started in NJ in 1989 and has grown over the years and we are licensed in 47 states. We are Mortgage B...
 This comes as a bit of a shock, since just a few weeks ago they said they would not delay the August 1st TRID... But here it is- 2 more months to sort out the fun- If you are not sure what TRID is you can find more HERE.  Or click on my website below.Official announcement from the CFPB below: Ju...

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