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October 2015

Fed leaves rates unchanged - why did rates worsen?; Football contest; Current Rates


 
Is anyone paying attention to rates? Did you notice that after the Fed Announcement on Wednesday rates that were “0” points prior to the Fed Announcement jumped up to the next 1/8 or were costing 1/2 a point? Huh?... the Fed says no rate hike in October and rates get a little worse. Why? Because bond traders fearing an imminent hike perhaps at Fed meeting in December sell off on their commodity causing rates to go up. Mortgage rates are tied to the bond market and rates move PROACTIVELY to what MAY happen in the future. Buyers should protect (“lock”) rates as soon as they have a contract and a closing date. Here is why – rates move up much more quickly than when they fall. If a buyer doesn’t lock a rate when possible and rates eventually go up I cannot help them. Conversely if a buyer “locks” a rate with me and rates fall 1/4 or more I can ask Wells Fargo to better your clients rate for free. Let me help your client through the mortgage process and I can assure you - the experience your client has will not be a bad one.
 

If you have a buyer using Wells Fargo but not going with a local rep, please do point them in my direction I will be happy to assist. ~Football contest WINNERS for Princeton Region Week Six and Seven respectively was Gough Thompson of Gloria Nilson and Karen Van Diver of Keller Williams in Princeton. Weekly winners go into drawings to win prizes below. ~Our Football Contest is BACK with some great prizes! Win Ipads, GOPros, TV’s (full disclosure these are national prizes) and other local prizes! All you have to do is pick the winning team “straight up” meaning there is no “point spread” to factor into your picks. REMEMBER THIS BRANCH ID!!! 9EMXHD please go to https://pickpros.wf.com/login and use the branch ID 9EMXHD to identify my branch. Pick your teams by Saturday PM and cross your fingers!!! It is online, takes but a minute or two to play, and I will be giving away prizes. I hope to see a lot of you online and picking the winning teams!That’s all for now. Rates are below w APR’s: Conforming and FHA Loans 30-Year Fixed Rate3.875%3.926%30-Year Fixed-Rate FHA3.750%4.727%15-Year Fixed Rate3.125%3.213%7/1 ARM3.375%3.313%5/1 ARM FHA3.625%3.751%Larger Loan Amounts in Eligible Areas – Conforming and FHA. 30-Year Fixed Rate4.125%4.145%30-Year Fixed-Rate FHA3.750%4.772%7/1 ARM3.750%3.436%Jumbo Loans– Amounts that exceed conforming loan limits 30-Year Fixed-Rate Jumbo3.500%3.536%7/1 ARM Jumbo2.750%2.998%as of 10/30/2015 10:15 AM Eastern Standard TimeSelect a product to view important disclosures, payments, assumptions, and APR information. AARON HEIMOWITZ
Mortgage ConsultantPresidents Club Member 2001-2014NMLSR ID 404370
[email protected]
Wells Fargo Home Mortgage | 950 Route 33 | Hamilton, NJ 08690
MAC M6114-011
Tel (609) 631-2950 | Cell 609-577-3334 | Fax 866-841-2918 Princeton Office:600 Alexander Road | Princeton, NJ 08540 Customer Service is a Philosophy, not a Department Apply for your mortgage ONLINE:https://www.wfhm.com/loans/aaron-heimowitz/index.page


NJ Home Sales Rise for 13th Consecutive Month

NJ Home Sales Rise for 13th Consecutive Month

Home purchase demand in New Jersey increased for the 13th consecutive month in September, reflecting a 15% increase compared to the same month one year ago.

The Fed's decision to keep interest rates low should act as an accelerant for home sales heading into 2016. Also encouraging, is a 17% increase for homes purchased by first-time buyers this year which will provide broad support for continuing home sales activity for the next year or so.

While home purchase demand continues to rise, the inventory of available homes remains constrained in New Jersey.

Today's unsold inventory equates to 6.7 months of sales (non-seasonally adjusted), which is less than one year ago when it was 7.9 months.


Happy Halloween



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Your HomeActions Updates for Friday, October 30, 2015.






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Gloria Benaroch John "Marty" Garland




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Hi, Jersey. Here are your Articles for Friday, October 30, 2015.











Portable Generator Know How
A generator can take much of the inconvenience and discomfort out of a blackout or power outage. Click Full Article for help figuring out which one to buy and how to use it safely.














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4 Ways to Improve Your Home's Energy With Feng Shui
Wondering what feng shui is all about? We explain how it works. Click the full article right below here to learn how to create a positive energy flow in your home.










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8 Holiday Home Security Reminders
The holidays, with high-end purchases and time away from home, can make your residence vulnerable to break-ins. Click the full article right below here to learn about a few simple security reminders that can provide you with added protection and peace of mind.














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Trending Floor Options to Spice Up Your Living Space
Wood, carpet and linoleum aren't the only options available in the flooring world. Click the full article right below here to learn about a couple of other flooring options right now.










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It's Winter -- Time to Think about Planting!
A well-placed and attractively manicured garden can make you the pride of the neighborhood, and even give you a good return on investment when selling a home -- but you have to plan well in advance. Click the full article right below here to get started this winter on planning a great garden.














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Get To Know Your Neighborhood
Get the inside scoop on your neighborhood--or any neighborhood--and see data about everything from schools to household income. It all starts by clicking the Full Article link below.










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Local Entertainment And Events Calendar
You’ll always know where the fun’s going on with our interactive local events calendar featuring social sharing, images, videos and ticket links. Click Full Article below to see what's happening or to add your own local events.














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Our firm provides the information in this e-newsletter for general guidance only, and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. Tax articles in this e-newsletter are not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding accuracy-related penalties that may be imposed on the taxpayer. The information is provided "as is," with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose.





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New Loan Programs RHF is Offering!!



Subprime Lending is slowly making its way back to the mortgage industry!



Take a look at some of the new Loan Programs with some highlights, that Residential Home Funding can offer:

1. NON-PRIME
               * up to 90 LTV with NO MI
               * NO Foreclosure, Short Sale, or Bankruptcy seasoning required. It only has to be settled.
               * Bank Statement Program
               * Credit scores as low as 500

2. NON-PRIME II
               * 2 year seasoning on Foreclosure, Short Sale, and Bankruptcy up to 90 LTV
               * Bank Statement Programs

3. OUTSIDE OF DODD-FRANK
               * Foreign Nationals
               * Business Use loans
               * Stated Income
               * Interest Only
               * Cross Collateralization
               * Fix and Flip


For more information about any of these new programs, or if you have any inquiries about some of the many loan programs RHF can offer, please do not hesitate to contact me!


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
[email protected]
www.rhfunding.com








NJ- Licensed by the NJ Department of Banking and Insurance – License # 9964632
NY- Licensed by the New York State Banking Department- License # B500689
PA- Licensed by the Pennsylvania Department of Banking – License # 20875
FL- Licensed by the Florida Office of Financial Regulation #MLD388.


Confidentiality Notice:

The information contained in the E-mail is privileged and confidential information intended only for the use of the individual(s) named above. If the reader of this message is not the intended
recipient, you are hereby notified that any dissemination, distribution, or copy of this communication is strictly prohibited. If you have received this communication in error, please contact the sender by reply E-mail and destroy all copies of the original
message. Thank you.


New Loan Programs RHF is Offering!!



Subprime Lending is slowly making its way back to the mortgage industry!



Take a look at some of the new Loan Programs with some highlights, that Residential Home Funding can offer:

1. NON-PRIME
               * up to 90 LTV with NO MI
               * NO Foreclosure, Short Sale, or Bankruptcy seasoning required. It only has to be settled.
               * Bank Statement Program
               * Credit scores as low as 500

2. NON-PRIME II
               * 2 year seasoning on Foreclosure, Short Sale, and Bankruptcy up to 90 LTV
               * Bank Statement Programs

3. OUTSIDE OF DODD-FRANK
               * Foreign Nationals
               * Business Use loans
               * Stated Income
               * Interest Only
               * Cross Collateralization
               * Fix and Flip


For more information about any of these new programs, or if you have any inquiries about some of the many loan programs RHF can offer, please do not hesitate to contact me!


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
[email protected]
www.rhfunding.com








NJ- Licensed by the NJ Department of Banking and Insurance – License # 9964632
NY- Licensed by the New York State Banking Department- License # B500689
PA- Licensed by the Pennsylvania Department of Banking – License # 20875
FL- Licensed by the Florida Office of Financial Regulation #MLD388.


Confidentiality Notice:

The information contained in the E-mail is privileged and confidential information intended only for the use of the individual(s) named above. If the reader of this message is not the intended
recipient, you are hereby notified that any dissemination, distribution, or copy of this communication is strictly prohibited. If you have received this communication in error, please contact the sender by reply E-mail and destroy all copies of the original
message. Thank you.


Halloween Parade in Sea Bright

























Celebrate Halloween in Sea Bright!



 

Halloween Parade

 

6 PM - Meet at Rooney Park & parade to Municipal Lot. then join us for Hot Chocolate in the Church Meeting Room. Prizes for all participants.

 







On line Payments for Taxes and Utilities

 

Go to https://wipp.edmundsassoc.com/Wipp1342/ Save postage or a trip to Boro Hall.

 

Sign Up for Borough Alerts

 

Receive important Borough info via text or email.

Go to http://seabrightnj.org/sbnj/ and sign up for Nixle.

 

Dates to Remember

Tuesday, Oct. 20th 7:00 PM - Borough Council Regular Meeting, 


Thursday, Nov. 5th 7:00 PM - Town Hall Meeting on Sea Bright 2020 Update






 

 

 

 

 


Halloween Parade in Sea Bright

























Celebrate Halloween in Sea Bright!



 

Halloween Parade

 

6 PM - Meet at Rooney Park & parade to Municipal Lot. then join us for Hot Chocolate in the Church Meeting Room. Prizes for all participants.

 







On line Payments for Taxes and Utilities

 

Go to https://wipp.edmundsassoc.com/Wipp1342/ Save postage or a trip to Boro Hall.

 

Sign Up for Borough Alerts

 

Receive important Borough info via text or email.

Go to http://seabrightnj.org/sbnj/ and sign up for Nixle.

 

Dates to Remember

Tuesday, Oct. 20th 7:00 PM - Borough Council Regular Meeting, 


Thursday, Nov. 5th 7:00 PM - Town Hall Meeting on Sea Bright 2020 Update