June 2015
Home Possible Mortgages
June 25, 2015
Home Possible Mortgages are a responsible, low down payment mortgage option that will help you realize new possibilities to expand your realtor business and help more borrowers realize their dream of homeownership.
Home Possible provides you with an easy and convenient way to expand your reach in rapidly growing markets for first-time homebuyers and low- to moderate-income borrowers.
Key Features
- Stable monthly payments with our fixed-rate mortgages
- Reduced mortgage insurance coverage levels
- Flexible closing cost funding options
- No cash-out refinancing
Home Possible Homeownership Education Requirement
Homeownership education is required for first-time homebuyers for purchase transaction Home Possible Mortgages.
This requirement stresses the importance of utilizing a curriculum that contains the minimum core content specified by the National Industry Standards for Homeownership Education and Counseling. These standards help ensure quality education and counseling is delivered with fairness and respect to homebuyers and homeowners.
Description
Fixed rate, fully amortizing with level payments for the life of the loan. This purchase and rate/term refinance product is for low-to-moderate income borrowers who need low down payment options and credit flexibility. Primary residence only. This is NOT an FHA loan program, but is a Conventional loan program.
Maximum loan limits adhere to conforming loan limits per State and County.
Minimum down payment for 1 unit properties is 3%.
Minimum down payment for 2-4 unit properties is 5%!!
Borrowers with NO CREDIT HISTORY will be considered.
Borrowers may not have ownership in any other properties.
Manufactured Housing allowed and must meet certain requirements.
Condo's and PUD's allowed.
Borrowers are required to participate in pre-purchase homebuyer education and counseling prior to mortgage closing.
The income used to qualify the borrower must not exceed the percentages in the high costs areas set forth per County.
Please do not hesitate to contact me if you have any potential borrowers that would be interested in the HOME POSSIBLE loan program.
Thank You!
Dominic DiGrazio | Branch Manager
Residential Home Funding Corp.
60 Route 46 East, 2nd floor | Fairfield, NJ 07004
Main: (973) 575-1550 ext. 10 | Toll Free: (844)-524-1026
Cell: (973) 356-5333 | Fax: (973) 575-1551
NMLS # 204838 | Company NMLS # 34973
(Mini Motivation) Part 1 of 2 Important Documents from Jamie Novak 6-22-15
June 22, 2015
Tips for Bite Size Living
http://bitesizeliving.com/best-tip-makeover-utensil-drawer/Having trouble reading this email? View online.
Storing Important Documents (Part 1 of 2)You know how sometimes you can be a little disorganized in some areas while being uber-organized in another? That’s how I am about my important documents – you know all those papers that are difficult if not impossible to replace.My kitchen counter might have stuff on it and my clothes might sit in the laundry basket longer than I’d like – but I know exactly where my birth certificate is and I have precious photos in safe keeping.They are in this box!Knowing a handful of important documents and a few other precious items are protected gives me peace of mind.I thought I might share my list of documents so that you too might sleep better after ensuring your papers are safe and sound.I’ll share my top thirty-four list of papers to find and secure in a moment. Before I do I want to let you know I did not locate all thirty-four in one day. I found one or two at a time and within a few weeks I had gathered all my papers.So don’t panic. Take 5 minutes to find a paper then another and another and before you know it you will have them all checked off!Remember you have two basic storage options.Option 1 A fire-proof box (or safe) at homeOption 2 A bank box at your local bankI went with the in-home options because I often need the papers when the bank is closed. (Interesting note: if you opt for the bank box check with your bank most boxes are not insured.)This is my box, I didn’t splurge for the file box style – I may upgrade sometime in the future.Remember to be disaster proof the box is extremely thick which takes away storage space. The box will look larger than it really is on the inside.Oh and I should mention this is my list – not each item will apply to you. For example if you are very tech savvy and you keep copies of stuff in a “Cloud” then you might not need every paper on the list in paper format.Lastly while checking off these documents you might come across an item or two that you are missing. Either because you had it – like a birth certificate- but now it is hopelessly lost. Or you never had it but you know you need it – like a health proxy or will.Again don’t panic. This too can be solved. Below I’ll share how to replace lost or misplaced common documents. And if you need to create a document like a health proxy or a will now is the time to add that to your to-do list.First off always save any paper that proves you paid something off like a house or a car.Like this bank letter stating the bank no longer has a security interest in my car. Okay now onto the list. I invite you to set a timer for five minutes and find as many papers as you can before the buzzer rings. You can think of it as a treasure hunt if that makes it more fun.Ready? Set. Go!(click here to print a copy of this list from my blog)1. Academic Records- Diplomas, transcripts and any portfolio work that may be used in the future when applying for a job
2. Adoption Papers
3. Advance directive, living will, durable power of attorney
4. Annual statements from your brokerage or other confirmation of investment sales and purchases
5. Bank account numbers and log-in information if you access online accounts
6. Baptismal Certificates
7. Bar/bat mitzvah certificate
8. Birth Certificates
9. Bris certificate
10. Car title(s)
11. Cemetery plot deeds
12. Copies of your driver’s license, green card, and other identification cards
13. CPA audit reports
14. Current household inventory
15. Death Certificates
16. Documentation of your retirement plan beneficiaries
17. Documents related to trusts, or passing stocks to your heirs or other beneficiaries
18. Emergency contact information (insurance agents, doctors, family)
19. Employment Records (any clauses, agreements, disciplinary files and performance reviews)
20. Home insurance policy
21. Income tax returns and proof of payment
22. Legal papers (such as divorce decrees and property settlement papers)
23. Life insurance policy
24. Living trust
25. Marriage Certificates
26. Medical history
27. Military Records including discharge paperwork for military burial
28. Mortgage or loan discharge forever
29. Ownership records (such as real estate deeds, automobile titles, and stock and bond certificates)
30. Passports
31. Photo negatives and one wedding and baby photo
32. Retirement and Pension Records
33. Social Security Cards
34. WillDid you know? It may be possible to replace some important documents if they’ve gone missing. Here’s how:Birth Certificate cdc.gov check the state where you were bornSocial Security Card socialsecurity.govPassport US Dept. of State Travel.State.gov 1-877-487-2778College Diploma Student Service’s Department of the SchoolSchool Transcripts Student Service’s Department of the SchoolTax Returns irs.gov IRS form 4506Car Title dmv.orgProperty Deed the County Clerk’s OfficeWishing you a clutter-free week, JamiePS Stay tuned, next week I'll share a handful of things in my box that are NOT on the list.PPS Tonight I'll be at the South River Library in NJ hope to see you there!New events including Sayreville, Orangeburg NY, Sparta, Woodbridge, Mountainside and Bernards, have just been added to the events calendar. Take a look in the right hand column or check out the events page. I hope to see you soon!
Next EventAll events are free and open to the public.
Keep This Toss That
Monday June 22nd 7pm
55 Appleby Ave. South River, NJ 08882(732) 254-2488
Directions to the Library
How to Organize Paperwork and Photographs
Tuesday July 21st 6:30pm
1050 Washington Rd.
Parlin, NJ 08859
(732) 727-0212
Directions to the Library
The Great Closet Cleanout
Tuesday September 15th 6:30pm
1050 Washington Rd.
Parlin, NJ 08859
(732) 727-0212
Directions to the Library
Keep This Toss That
Thursday Sept. 17th 7pm
20 Greenbush Rd
Orangeburg, NY
(845) 359-2244
Directions to the Library
Keep This Toss That
Thursday Sept. 24th 7pm
1 George Frederick Plaza
Woodbridge, NJ 07095
732-634-445
Directions to the library
Keep This Toss That
Sunday Oct. 4th 2pm
22 Woodport Rd.
Sparta Township, NJ 07871
(973) 729-3101
Directions to the library
Keep This Toss That
Thursday Oct. 8th 7pm
1 Constitution Plaza
Mountainside, NJ 07092
(908) 233-0115
Directions to the Library
Keep This Toss That
Thursday Oct. 15th 7pm
32 S Maple Ave.
Basking Ridge, NJ 07920
(908) 204-3031
Directions to the Library
Quick Links: www.JamieNovak.com
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TONIGHT - Classic Boat Ride with Captain Dan
June 22, 2015
Contact Information Office - 732 [email protected] TODAY TO RESERVE ONE OF THE FEW REMAINING SEATS.
June 16, 2015
June 2015
THE SUMMER MARKET WILL BE HOTTER THAN THE TEMPERATURE
The general assumption is that the real estate market slows down as we enter into the summer season. Though spring has been historically known as the busiest selling season, the fact is, the summer months can be just as active. Misperceptions can lead to missed opportunities so don’t miss yours.
As we head into summer, home sales continue to rise and according to the National Association of Realtors®, pending home sales rose in April for the fourth straight month and reached their highest level in nine years. The Pending Home Sales Index,* a forward-looking indicator based on contract signings, increased 3.4 percent in April up from March and is now 14 percent above April 2014. The index has now increased year-over-year for eight consecutive months and is at its highest level since May 2006.
These numbers are up despite the incredible lack of inventory in many markets. It demonstrates that there are plenty of active buyers in the market ready to purchase a home now. Essentially, the real estate market is hot. To see to what degree in your area, look to the statistics here, or contact me and I can provide you with the exact statistics for the communities that most interest you.
CoreLogic® released its April 2015 CoreLogic Home Price Index (HPI®) which shows that home prices nationwide, including distressed sales, increased by 6.8 percent in April 2015 compared with April 2014. This change represents 38 months of consecutive year-over-year increases in home prices nationally. On a month-over-month basis, home prices nationwide, including distressed sales, increased by 2.7 percent in April 2015 compared with March 2015.
Buyers, remain patient. As prices rise, more home sellers should jump back into the market to take advantage of the unprecedented increase in buyer demand. As more home sellers enter the market, their level of competition will increase. Be prepared by working closely with a sales professional like myself who can lead you through the process and help you get your dream home.
I think this summer market will grow even hotter. If you are wondering if you should take advantage of the heat, contact me today.
Jersey Shore Real Estate: General Observationshttp://rumson07760realestate.typepad.com/
June 11, 2015
[%Company Name%]http://rumson07760realestate.typepad.com/
外贸的局面：
现在的外贸行业正处在高速发展的过程中，每天都会有大批的外贸团队成立，更不要说还有那么多的SOHO了，那么在面对竞争如此激烈的外贸行业，我们各位外贸同仁在未来的三到五年里靠什么生存下去呢？
是靠alibaba？还是环球资源？还是展会？再或者是靠买个软件乱搜索一通吗？我想都不是，未来外贸的趋势是——主动开发，谁先建立主动营销系统和外贸团队，谁就将占据市场面积，从而规避传统外贸方式的竞争，开发出优质的客户。
外贸常见问题：
1、人来人往，团队组建不起来：没有足够的销售机会、流畅的成交过程，员工工作缺少方向性、战略性，因而缺少乐趣导致团队氛围死气沉沉！
2、缺少询盘：公司投资的平台没效果，业务员没询盘就干瞪眼，混日子，老板不知道如何下手，只有干着急
3、询盘转化率低：来了询盘业务员跟进没有思路，机械式跟进，好客户跟坏，导致转化率太低。
具体服务：
那么怎么建立主动营销系统和团队呢？我们在深圳有外贸孵化基地，主要是培训如何主动去开发客户、帮助外贸企业解决在客户开发方面的各种问题；也可以帮助有需要的企业招聘、组建外贸团队，从而打造出一支不用公司到处打广告就能把外贸做好、做大的外贸团队。
参观：
欢迎报名参加由钰鑫育仁举办的《外贸五步法正式开放日》，让我们帮你改变外贸困境，还您一个外贸行业的春天。
时间：本周五下午（6月12日）2点到5点左右
地址：深圳市宝安区坪洲地铁站A出口前行200米宝金华大酒店12层——外贸五步法孵化基地
若要参加学习，请与本人联系索取表格。
名额有限、时间有限、机会有限。
联系人： 罗生： 13410148404 QQ：1456528575
Jersey Shore Real Estate: General Observationshttp://rumson07760realestate.typepad.com/
June 08, 2015
[%Company Name%]http://rumson07760realestate.typepad.com/
外贸的局面：
现在的外贸行业正处在高速发展的过程中，每天都会有大批的外贸团队成立，更不要说还有那么多的SOHO了，那么在面对竞争如此激烈的外贸行业，我们各位外贸同仁在未来的三到五年里靠什么生存下去呢？
是靠alibaba？还是环球资源？还是展会？再或者是靠买个软件乱搜索一通吗？我想都不是，未来外贸的趋势是——主动开发，谁先建立主动营销系统和外贸团队，谁就将占据市场面积，从而规避传统外贸方式的竞争，开发出优质的客户。
外贸常见问题：
1、人来人往，团队组建不起来：没有足够的销售机会、流畅的成交过程，员工工作缺少方向性、战略性，因而缺少乐趣导致团队氛围死气沉沉！
2、缺少询盘：公司投资的平台没效果，业务员没询盘就干瞪眼，混日子，老板不知道如何下手，只有干着急
3、询盘转化率低：来了询盘业务员跟进没有思路，机械式跟进，好客户跟坏，导致转化率太低。
具体服务：
那么怎么建立主动营销系统和团队呢？我们在深圳有外贸孵化基地，主要是培训如何主动去开发客户、帮助外贸企业解决在客户开发方面的各种问题；也可以帮助有需要的企业招聘、组建外贸团队，从而打造出一支不用公司到处打广告就能把外贸做好、做大的外贸团队。
参观：
欢迎报名参加由钰鑫育仁举办的《外贸五步法正式开放日》，让我们帮你改变外贸困境，还您一个外贸行业的春天。
时间：本周五下午（6月12日）2点到5点左右
地址：深圳市宝安区坪洲地铁站A出口前行200米宝金华大酒店12层——外贸五步法孵化基地
若要参加学习，请与本人联系索取表格。
名额有限、时间有限、机会有限。
联系人： 罗生： 13410148404 QQ：1456528575
Sea Bright Blog: Sea Bright Summer Movie Schedule
June 08, 2015
Hello,
I am Jessie from Hicon displays. We manufacture and provide highly competitive merchandising fixtures, POP displays, retail displays, store shelves , signs and sign holders for toys marketing over 10 years.
The following is a list of some of the many services we offer:
- Professional design and product development, we have independent technical team work for it.
- Using the latest auto CAD software, accurate layouts.
- Plastic, acrylic, metal, wood, wire, bamboo and cardboard display based on your requirement.
- From your conception to end products, offer one stop service.
- Finishing with powder coating, plating, painting, staining available.
- Small or large orders welcome
- More than 300 experienced workers, deliver on time.
- Superior Service. We look after your requirements during your purchase and after!
We will offer professional service for you promptly if you send us your picture, drawing or specs for the toy displays.
Thanks & Best Regards
https://www.facebook.com/hicondisplay/
2015-06-08 19:08:00K7K
Jersey Shore Real Estate: General Observationshttp://rumson07760realestate.typepad.com/
June 03, 2015
Jersey Shore Real Estate: General Observationshttp://rumson07760realestate.typepad.com/
sir or [email protected]