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Mortgage and Lending - CMG Home Loans - 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.
 Robert Rauf Mortgage Loan Originator NMLS# 248937 or my blog: Office: (732)908-4868  Cell (732)740-0175  Since 1987 I have been helping my clients fulfill their dream of home ownership! ...
 This was from the J24 Nationals in 2018, Back at it this weekend. #SanityRobert Rauf Mortgage Loan Originator NMLS# 248937 or my blog: Office: (732)908-4868  Cell (732)740-0175  Since 19...
Have you been catfished? Just when you thought it was safe to accept a connection request on any number of social media sites- you get the suspicious instant message, typically inappropriate, and always with poor grammar.I have had this happen across all platforms- Facebook, IG, LinkedIN and even...
  These two never cease to entertain me.  Finn is the white one, he is fast approaching 12 and Failla is the Apricot she is 1.5 years old.  Always making me smile:    Robert Rauf Mortgage Loan Originator NMLS# 248937 or my blog:
  Call me for all your residential lending needs! Robert Rauf Mortgage Loan Originator NMLS# 248937 or my blog: Office: (732)908-4868  Cell (732)740-0175  Since 1987 I have been helping m...
  With the unexpected drop in interest rates this year I thought it would be a fun exercise to look at the average mortgage payment and what effect rates has on your buying/borrowing power. A quick Google search shows NJ's average mortgage payment to be $1,355/month (nationally that number is jus...
 Both Fannie and Freddie have announced they are reducing income limits for their low and moderate income programsFor Fannie Mae this is the HomeReady program and For Freddie Mac it is the Home Possible.These are both GREAT programs and will often be significantly better than an FHA loan. Both al...
  By now you probably have heard that Ditech Financial Filed for Chapter 11 Bankruptcy protection.  While this is not a blog about Ditech it is an example of things to look out for in your day to day Real Estate transactions. If you have a listing that has a Ditech mortgage- Make sure the settlem...
 Let's face it- we have stressful jobs. I am a firm believer of having something outside of work to maintain sanity.  Number on for me is sailing- and when I say sailing, I actually mean racing. I have put a lot of thought into what qualifies as stress relief for me, and I believe it has to be so...
 Back in March FHA announced they would be adjusting underwriting making it more difficult in certain situations to get an approval. (you can read about that here: )Just today we we received a "Lender Letter" from Fannie Mae (LL2019-06) with similar changes aft...

Robert Rauf

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The mortgage market is ever changing, do not be afraid to ask what is new!