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FHA Insured Reverse Mortgages
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If you're planning to secure a Mortgage, or buy your next home, your first home, that dream home, a condo, or looking to refinance anywhere in the US or in New Jersey or the surrounding areas, you will find that this site is a complete resource full of insider secrets that will allow you to choose the right Mortgage program best suited to your financial future.
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Before you leave, make sure you review the New Jersey Home Buying Resources, Insider Reports and Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.
Fannie cracks the foreclosure whip Inman.com ... Michigan, Missouri, Tennessee, Texas, Virginia and West Virginia, to 300 days or more in Illinois, Maine, New Jersey, New York, Vermont and Wisconsin. ...
Lions hold off Drew 1-0 on Canning's goal The College of New Jersey Athletics Freshman keeper Kendra Griffith (Cherry Hill, NJ/Cherry Hill West) made one save for the shutout as she notched the first win of her Lion career. ...
The 4-1-1 on Cherry Hill schools The Cherry Hill Sun A new school year is several weeks away and several Cherry Hill School District representatives have detailed what is new and different ...
Why Buy a Home by Yourself! When you can have a Buyer?s Broker for Free It?s been many years since the creation of Buyers Agency and many people still do not understand the benefits of having someone on their side, which not only knows the areas but can protect their interest. The fact of the matter is most people really think it adds to the cost of the home purchase.
Why Now is the Perfect Storm To Purchase Real Estate In New Jersey and Other Areas This is the time to purchase real estate in many areas of the country such as New Jersey and in many other areas that have hit bottom and are sited to start going up. There are other reasons why people who have not purchased or they have purchased in the past should consider before it?s too late.
How seniors can really benefit from the tax laws when moving and selling a home Unlike any time in history there are issues that face many seniors that they never thought about before. Today they are faced with many issues like high mortgage balances and future income to live their retirement without the stress of how they are going to be able to pay for their lifestyle.
Beware of the Reverse Mortgage Scammers Don?t Fall into the Trap It has come to the attention of the FBI and HUD that the scammers are attacking and preying on seniors to commit mortgage fraud and violate the sanctity of the Reverse Mortgage program design exclusively to help seniors when they are financially in trouble. In these troubled times when many seniors find that the planning that they did over many years of their lives, building 401k?s that now look like 201k?s or worst maybe looking to the Reverse Mortgage for financial relief.
The Reverse Mortgage Fix or Adjustable which one works for you and how to determine Many seniors who are thinking about a Reverse Mortgage are confused over which program to select when applying for their mortgage. This is important to repeat this is a mortgage on your home and you are not transferring the deed to your home. It is amazing the rumors that are still floating around and how many still think they will sign over their home to the lender. Not True!
Seniors need help Government releases No Social Security Increases for 2010 The facts are out the COLA increases that have been given to seniors who are on Social Security will not get a cost of living increase in 2010. The other problem is the millions will see and increase in health care cost next year with Medicare part B The release of this information has seniors worried about the future, couple this with a bad economy which can be around for many years to come what can they do to live into the future.
Why Shopping for a Reverse Mortgage can cost thousands in lost proceeds Over the last few months since changes have taken place in the Reverse Mortgage industry mainly the changes in margins, has prompted more seniors over 62 to take their time to shop for a better rate and or closing cost.
First and foremost a senior needs to realize that the margins that are offered on the HECM are set by Fannie Mae. The lenders who finance them are bound by the margins that are set to be able to sell the mortgages to Fannie Mae in mortgage backed securities.
Sitting on the Fence on a Reverse Mortgage has already cost you Thousands maybe more In reviewing past records from people who have stated they wanted to hold off to see if they would get more money later on when the were older or the value would go up has really cost them big.
Review: Looking over some 300 past files at people who had looked at the Reverse Mortgage over the last three years, mainly 62-65 year old people who had and average of 50% equity in their homes I found the following results.
Reverse Mortgage margins are changing rapidly which may cause seniors to receive less We have seen many changes in the Reverse Mortgage industry, from increased property values in 2009 to increased program choices and flexibility. The latest and the most important changes are the increases of margins and lenders not going to live interest rate pricing. The conventional side of the mortgage industry has been using live pricing for a few years. Now it has come to the Reverse Mortgage segment of the industry.
The senior Reverse Mortgage program has evolved over the years but still may be changing to attract Wall Street investors Over the past the federal government has made major strides in making the Reverse Mortgage stronger and more flexible not to mention less costly for seniors who are looking to tap the equity in their homes for retirement monies. In the past seniors looked at the RM and most of them balked because of different reasons. Bu the number on reason was most of the time cost!
Expert Articles
Ways to Negotiate a Short Sale With the Bank A short sale is when a lender accepts a discount on a mortgage to avoid a possible foreclosure auction or bankruptcy. For example: A homeowner, who is facing foreclosure, has an existing first mortgage of $500,000. The market value of the home is $350,000. Long story short, the lender accepts the offer for $350,000 and the home is sold.
5 Ways to Avoid Foreclosure and Save Your Credit Score From Total Disaster First and foremost homeowners need to understand that they do not have to fork over money that they don't have to get things done before your home goes back to the bank and you are in the street. Until now there have been people and companies bombarding people who have received foreclosure notices in the mail or worst posted on the front of their home for all neighbors to see.
How to Choose a Real Estate Agency The facts are that not all real estate agents are created equal, they are not trained the same way and they do not all get good education. Most agents come into the real estate business thinking all they have to do is go to school and pass a test to get licensed and their ready to hit the streets to sell homes.
Why Should I Short Sell My Home? There is an epidemic brewing in this country simply because of the greed of the financial industry in this country. The banks and Wall Street came up with a scheme during the late 1990's because no one was watching the store.
How to Choose a Real Estate Agency Based on the Laws of Agency The very first thing someone should do is not call on a real estate sign on a property and tell the person on the phone about what you want to purchase and what you are willing to pay. The agent on the phone works for the seller and they are obligated to disclose that information.
Why Are So Many People Having Problems With Real Estate Agents When Trying to Buy Foreclosures? In speaking with home buyers and Investors of Real Estate, the one thing that keeps coming up is how people are viewing agents in the troubling time when so many properties are being purchased by investors. The normal everyday buyer who is looking to finance their purchase are having problems getting the agents to even show them the properties.
Is Your 401K Or IRA in Trouble and What You Can Do to Take Control to Increase Earnings Well if you are fed up with hearing about the bailouts and huge bonuses that we as Americans have to foot the bill for, all the while they are spending your money or investing it into bad investments. Now is the time to change all that and take control of your own future.
Why Now is the Perfect Storm to Acquire Real Estate For First Time Buyers and Investors There are additional factors precisely why consumers which have not bought or they have acquired in the past should contemplate before it's too late. Throughout numerous locations around the country citizens have been seated on the side lines thinking that circumstances will be going to go reduce or bank rates are going to go lower or many other reasons that has postponed their acquisition. Nevertheless the fact is right now there has not ever any moment in history has there been the fantastic storm to buy real estate.
How to Make Sure Your Investments Are Safe Under the Self Directed IRA in Real Estate Investing The self directed IRA is one of the single best ways to invest in real estate and grow great wealth using tax deductable dollars and tax deferred growth to invest in real estate today. The article is to give you the guidance and knowledge you will need to make truly great investments in real estate.
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Going Green Download now or preview on posterous Doc2.docx (269 KB)
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Reverse Blog
Timothy Robbins
Real Estate &
Mortgage Specialist
1-800-610-3599
"Dedicated and Committed to Improving the Lives of Seniors"
We were not really sure that a Reverse Mortgage was right for us, we came to Tim's website and began our education here. When we spoke with Tim the education he gave us was better then any seminar or book.
Thanks Tim for your patience and guidance
Beatrice and Murry
"TIM, WE DID APPRECIATE YOUR EFFORTS AND SERVICE. PROBABLY THE MOST APPRECIATED WAS THAT YOU WERE EASY TO COMMUNICATE WITH, RETURNED PHONE CALLS IN A TIMELY MANNER, AND KNOWLEDGABLE WITH REGARD TO REVERSE MORTGAGES. AS WE HAVE TOLD YOU BEFORE,IN OUR OPINION, YOU MADE THE ENTIRE PROCESS AS EASY AS POSSIBLE YOU HAVE THE ABILITY TO MAKE THE ENTIRE PROCESS A SMOOTHE UNDERTAKING. "
"My wife and I recently completed the process of obtaining a "reverse mortgage". We were pretty cautious concerning this program and did a lot of research on the web and with public service (government) literature. This is a major financial decision of course. It calls for gaining a lot of information. Putting it all together and making the right choices requires that you choose the right broker. (There are hundreds selling this product.) You need one who has expert knowledge and financial background with "reverse mortgages". Timothy Robbins has these qualifications. He will both educate and guide you. He makes customer service his personal goal. Questions are answered promptly, alternatives are explained, your satisfaction is his goal. He has the experience of owning and managing his own building and real estate companies and is an expert in the "reverse mortgage" process. "
Ron and Glee Brouse Ponte Vedra Beach, FL
"Tim's handling of the reverse mortgage was excellent. He gave me information that enabled me to make my decision, based on a developed knowledge of the ins and outs of the reverse mortgage. His handling of the process was excellent and he went beyond what I would have expected when problems arose with the closing due to the closing facility as well as the financial company not having the forms in order. The closing took an unusual amountt of time due to all the forms not being executed or sent to the closing company on a timely basis. This was the only bad experience, but it could have been worse if not for Tim's persistence with the involved companies to get the forms to us. "
Tom and Linda Tiner Jacksonville, FL
" Deciding to go for a Reverse Mortage was a nerve racking decision Tim Robins explained what it was all about to my wife and I.He guided us through all the paper work.I found Tim to be honest and trust worthy.I HIGHLY recommend Tim to anyone out there who is thinking about getting a Reverse Mortage.One thing about Tim he cares for his clients and is always concerned about them."
Joe REILLY SPRING HILL, FLORIDA
I was chosen by a New York talk radio show to speak about my expertise in the Mortgage Industry click to here
Below you will find video's that will educate you on aspects of the Reverse Mortgage
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Watch this short video
Taking on Florida Taxes
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Send Letter's to the Governor and State Reps to voice your opinion tell them how you feel about the State Tax on Mortgages
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