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My name is Jim Brown. I have been a mortgage lender for 30 years.My background is with several major banks and was a founder of Select Morgage Corp, Bellmawr, Brick NJ. I am currently SVP at Colonial American Bank. My primary lending area is all counties of New Jersey. I have closed thousands of loans for clients and Realtors. I am available to close loans in all counties of NJ. I try to meet each and every client in person. That is my priortity...Please call me for a free prequalification. Some of the towns I have done business, Brick, Pt. Pleasant, Toms River, Freehold, Howell, Spring Lake, Monroe Twsp, Manasquan, Wall,Holmdel, Maplewood, Cranford


Yes, it appears today that most "MOLD" issues in a real estate sale are on the sign on the lawn. Home sales take much longer to make it to contract and even longer to closing. Many reasons to include underwriting of loans,...
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Why cash-out the Homestead...this time If you are lucky to have some equity maybe 35% or so you may want to consider a refinance to a maximum FHA eligibility. Reasons for this refinance? As home values decline you will not...
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Well, I think the name that fits is "Flex Term". There will be alternative opportunities simply due to the unfortunate situation self employed buyers are up against. Details of that loan will be of course full verification of...
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While rates are at all time lows, so are home prices declining. These home values will continue to decline and so will the number of buyers who want to buy them. Buyers have decided that as long as the decline in home values...
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Appraisals for first mortgage refinances require a full appraisal including a walk through inside the home. A good appraiser will note recent improvements and further note in comparison to other homes. Square footage is also...
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Unfinished or homes under construction even if a simple remodel of the kitchen or bathroom will delay the approval and closing of your refinance. Final inspections by the appraiser who did initial inspection will have to be...
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Home Sellers must consider where home values were and where they are going. Home sellers need to consider the idea of turning away a buyer for five to ten thousand dollars. Another buyer may not come so easy and even if it...
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When shopping for interest rates on fixed loan products ask your lender about a "Lender paid concession". Like a seller concession where the sellers agree to help a buyer with closing costs by incorporating a fixed dollar...
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