"Dedicated and Committed to Improving the Lives of Buyers"
Financial Services for New Jersey
Taking the Guess Work Out of a Home Mortgages and Financing!
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Fully Insured HECM
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If you're planning to secure a Reverse 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 Reverse Mortgage program best suited to your financial future.
I make it fast and easy for all Seniors over the age of 62 including senior homebuyers, there is
NO Credit or Income to Qualify
Make sure you register to receive my Free ReverseMortgage Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my Villas, New Jersey office at 800-610-3599. I am here to help you with all your mortgage needs.
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Click the "Ask A Question" button below to send us a message by email or feel free to call my Villas, New Jersey office at 800-610-3599.
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.
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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
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.
The Facts Are on the Wall - What the Fed is Trying to Do is Re-Kill Real Estate When HUD/FHA looked back on their past performance they will see that they made more mistakes over the years than other mortgage companies. If you go back about 10 years the program from FHA drove so many buyers away simply because sellers did not want to participate in the program.
Why Never Before in History Has There Been a Better Time to Buy Real Estate The facts are very clear that this is truly the best opportune time to purchase Real Estate for either a first time home buyer or a seasoned professional. In many areas of the country like New Jersey the deals are out there just for the taking.
How Today is the Perfect Storm to Purchase Real Estate in Many Areas in the US This is the time to purchase real estate in many areas of the country such as New Jersey and other areas that Real Estate Values have hit bottom and are cited to start rising in value. There are other reasons why people have not purchased a home as of yet. Those that have purchased in the past should consider doing it again before it's too late. When inflation happens it won't be the home price that will price the buyer out, it will be the interest rates. Right now they are all in line with each other - lower home prices, lower interest rates, and better selection makes this the perfect storm.
Why Buy a Home by Yourself When You Can Have a Buyer's Broker Help You 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.
What Makes the Difference When Buying a Home? Who Makes Sure You Get a Good Deal? A Buyers Agent! Buying a Home can be a bit of a Turmoil at the very least, or it can be a fun and enjoyable time if you have a professional who is working for you the entire time, one who will spend the time to guide you and educate. Until the late 1990s, everyone who wanted to purchase a home drove down streets or looked in the paper until they found a home that caught their interest.
Pay-it-forward
Villas Mortgage Lenders – New Jersey Loan Officers: Online Event http://ping.fm/81fIA
Ocean City, Nj Real Estate Offering a Unique Opportunity The Picture does not do it any justice CLick on the link below and watch a video of the entire home it will excite you to be at the beach. Introducing New Jersey’s First Virtual Buyers Brokerage “Buyers Only One Stop” Coming to a computer near you soon.
FIND OUT HOW TO MAKE A REAL BUSINESS OPPORTUNITY Hello Friends
I just started using a brand new sales and marketing system which I think is awesome!
So I want to get the word out to all of my friends!
I am inviting you to attend the Thursday webinar at 1:00 PM EST. ( next webinar after tomorrow, jan 4 1pm)
You will love it, and the information [...]
JUST A QUOTE What would you do if your life made a major change for the good if you paid-it-forward one time would it make you do more
QUOTE OF THE DAY Life is Funny Ever here the saying you get what you put out Well if You just pay-it-forward one time You may just change your life
CHECK IT OUT http://ping.fm/SSeB1 This is what I am doing but it’s cold out here
Reverse Blog
Timothy Robbins
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
You will find new video's added so bookmark this site
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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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