I PROMISE….  I GUARANTEE… I AM THE BEST…. I AM THE CHEAPEST     Do people still fall for such phrases as the best interest rate? Or guarantees with fine print or misleading titles or misleading fine print? Haven't many of us learned from this or from others that fell for it? How about common sense? Or just the fact that you get what you pay for. Let's look into this a little further. I will tell you that I will guarantee you the best interest rate. But did I guarantee you that you will close on time or even close? Did I guarantee you or promise you that I can be reached very easily or that I will follow up with you often? This part of the business is called "service" or "customer service".     TIME IS MONEY   People fail to realize that buying a house from a realtor and using a loan o... 04/17/2010

  FHA Home Loans – Borrower beware of your lender when buying or refinancing 3 Unit & 4 Unit properties FHA Loan requirements have been changing all across the board in the last 18 months.  When it comes to FHA loans for a borrower trying to purchase or refinance a triplex (3 unit) or a quad (4 unit), there are some important requirements that have changed. This is based on my 2nd borrower as in many as 10 days that was not given proper information on residential properties that are 3 or 4 units.     For all maximum mortgage amounts on FHA Loans, regardless of the number of units. - FHA mortgage amount limits - Showing 1 family (single family units), 2 family, 3 family, & 4 family     Important things to know with multi unit properties with a FHA Loan   2 Unit Properties - Duplexes Buyi... 02/11/2010

State Theatre presents the Moscow State Radio Symphony Orchestra on Sunday, February 14, 2010 at 3pm. The symphony will perform a special all Tchaikovsky program for Valentine's Day. The program includes: Romeo and Juliet Overture-Fantasy; Piano Concerto No. 1 in B-flat minor, Op. 23 with pianist; Variations on a Rococo Theme in A for Cello and Orchestra, Op. 33 with cellist Julian Schwarz; and Symphony No. 6 in B minor, Op. 29, "Pathetique". Leading the performance will be Music Director Alexei Kornienko. The Moscow State Radio Symphony Orchestra performance is part of the State Theatre's winter festival, Hub City Carnivale, three weeks of performances, activities, and attractions for children 1-100.Tickets range from $32-67(group discounts apply). Valentine's Day Packages For this sp... 02/07/2010

The Historic Village of Old Bridge Community Group - (East Brunswick) and the NJ Museum of Agriculture will present a pictorial display on the history of chocolate, demonstrations, and taste-testing of various types of chocolate and chocolate products. BIRNN Chocolates of Highland Park will co-sponsor the event for the seventh year, providing chocolate for the demonstrations, a presentation on the history of chocolate; chocolates for sale at their annual "Chocolate Shoppe" display. A great time to do early Valentine's Day shopping! The session includes a chocolate presentation, demonstration of chocolate items by food historian Susan Luczu; a chocolate dessert buffet and beverages. Tickets are $20/pp in advance (by Jan. 22nd) and $25/pp at the door. Tickets limited to the first 100 paid... 01/01/2010

Center Hall Colonial - Ceramic tile entry and 1/2 bath, large eat-in-kitchen w/island & pantry industrial tiles floor. Dining room used as office; living room used as dining room; garage converted into large family room w/ walk-in-closet & pull down stairs to second attick, sliding door to back yard. Full unfinished basement w/newer Furnace, Humidifier, Central AC.  Walk-in-closet & shower bath in master bedroom- Fully redone second full bath, 3 nice size bedrooms with ceiling fans; ceiling fan in hallway. Pull down stairs to attick w/roof fan. Hardwood floors throughout.  Beautifully landscapped English garden, Large patio, 10X10 shed; vegetable & herb garden; established grapes & fig trees; Open play area. NEWER Roof, Furnace, Central AC. Close to RT 18, Transportation, Turnpike. To d... 10/31/2009

An new announcement came out last week about the $8,000 tax credit that is currently being offered to first time homebuyers in the U.S. It seems like the government is not really satisfied with the activity of home purchases that have been going on and so they are adding another incentive to the program.Yes interest rates have been at all time lows and this has really helped out current home owners. While mortgage applications are up, many of these new applications are for refinancing and not for purchasing, which still leaves us with an over supply of homes issue.The new government announcement ups the anti and now the government is allowing qualified individuals to get the $8,000 before next year to pay for closing costs!!Just so everyone is clear, if you are a first time homebuyer an... 06/01/2009

East Brunswick, Middlesex County, New Jersey. Single family homes only (does not include Townhouse and Condominium).   East Brunswick - New Jersey Feb-09 Comments Active Inventory 177 Number of homes for sale in East Brunswick at the very end  of February. Does not include homes under "Attorney Review". New Homes 52 Number of new homes in East Brunswick listed for sale in February. Sold Homes 15 Number of homes sold in February in East Brunswick. Average Asking Price (AP) $413,186 This is the average asking price for the homes that sold in February. Average Sold Price (SP) $392,100 This is the average selling price for the homes that sold in February. Sold Price Vs Asking Price 94% This is the average of all ratios SP/AP for the homes that sold in February. Average Days on Market (DOM) ... 03/20/2009

The American Recovery Reinvestment Act of 2009 that was signed into law last week by President Obama has a portion of it that pertains to nearly $300 billion in tax relief for both individuals and business.  Some highlights include the first time homebuyer credit, which is now $8,000 and after 3 years there is no repayment that is required to the IRS.  Nice!  Also there is going to be a deduction available on that tax paid for any autos that you purchase in 2009 (not lease).  Another change is that the HOPE education credit can now be claimed for all 4 years while a child is enrolled in a 4 year accredited school, before you can only take the HOPE credit for the first two years of your college degree.  Also you will start to see a bit more on your paycheck as your witholdings will decre... 02/26/2009