FNMA 30-yr 3.5 closed the 2011 near the highest price of the year. For the last week of the year, Mortgage Backed Security prices improved 29/32.  Incredibly, Friday's 3.5% MBS commanded a higher price than a 4.5% MBS did at the end of 2010.  This price improvement reflects an environment with low inflation and strong demand, with the demand coming from the Fed and a global investor shift into safer assets.   The chart above doesn't have the last quarter of the year, which will be a touch lower. Rates are near all times low right now, and while I don't anticipate a big swing up in the near term, it is a pretty safe bet that we will see rates higher in the near future, and we probably will not see any significant drop from here.   While investors sought the safety of US government guar... 01/03/2012

Open House in Toms River with photos and maps for Sunday Dec 11, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River on December 11, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Details: 79  KETTLE CREEK RD, TOMS RIVER, NJ - $309,900Details: 2340  DONNA DEE CT, TOMS RIVER, NJ - $699,000 Most Open Houses will take place between 12:00 PM and 3:00 PM, so use the maps provided in the links to plan your day...or call me and I'd be happy to set up an exclusive "tour of homes" at your convenience. For complete... 12/10/2011

The Traco Theater goes beyond the ordinary when bringing entertainment to downtown Toms River with independent films. One would have to drive up north to one of the many art houses to see films that will be shown here, but now independent films are showing at the Traco Theater in downtown Toms River. This small seventy seat theater is the perfect setting to watch an independent film in high definition with an exceptional sound system that is sure to excite the senses. Movies such as “Margin Call” staring Kevin Spacey, Jeremy Irons and Demi Moore will be playing.  In addition to having some of the finest independent films available to the Toms River downtown area, the Traco Theater will also host various events throughout the year. Everything from plays, comedians, guest speakers, readin... 12/07/2011

Toms River High School South's sailing team was one of 42 schools that went to New Orleans this weekend to compete in the Great Oaks National Championship Regatta hosted by Southern Yacht Club and sponsored by the All-State Sugar Bowl. Teams from all regions of the country, including both coasts, the mid-west and Hawaii sailed in Lake Ponchatrain over the two day event. Toms River HS South was awarded the first place trophy for the Great Oaks Regatta along with the All-State Sugar Bowl Trophy for first place. Additionally, the team won the Babara & Lawrence White Trophy for the highest placing school for first time attendance at the regatta. South's name will be added to the trophies which remain on display at Southern Yacht Club. This is South's first participation at any type of Natio... 12/06/2011

Home for Sale By Owner in Toms River, NJ 08755 - Flat Fee MLS Listing $395 27 Rouser Way Toms River, NJ 08755 - Realtors welcome, buyer agent commission paid at MLS#21141824 3 Beds 3 Baths Move right into this lovely townhome. Light, bright & freshly painted. Laminate wood floors, gorgeous master bath, 2 story w/ loft for additional space to use as you like. Spacious and open. If you are interested in this Home for Sale By Owner in Toms River, NJ 08755- Flat Fee MLS Listing $395, please call 1-888-362-6543, enter the MLS#21141824 . You can make an appointment or ask any questions about the property. Realtors welcome, buyer commission is paid to any realtor. Please see additional listing details at Realtor.com featured by Realmart Realty. If you have a Home for Sale in Toms River, NJ 087... 12/04/2011

Open House in Toms River with photos and maps for Sunday Dec 3, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River on December 3, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Details: 444  DOVER RD, TOMS RIVER, NJ - $213,000Details: 951  RALEIGH DR, TOMS RIVER, NJ - $219,900Details: 662  MONTANA DR, TOMS RIVER, NJ - $230,000Details: 916  FAIRVIEW DR, TOMS RIVER, NJ - $257,000Details: 1433  DELAWARE AVE, TOMS RIVER, NJ - $258,000Details: 31  DOGWOOD LN, TOMS RIVER, NJ - $369,000Details: 337  ALDO DR, TO... 12/03/2011

Home for Sale By Owner in Toms River, NJ 08753 - Flat Fee MLS Listing $395 1420 Sequoia Cir Toms River, NJ 08753 - Realtors welcome, buyer agent commission paid at MLS#21140107 3 Beds 3 Baths Awesome neighborhood & CONVENIENT TO EVERYTHING. Well maintained, corner lot, backyard privacy, prof landscaped/sprinkler sys on well, deck, flagstone walk & Jerith fencing & paver front walk. Palladium windows, plantation shutters. Upgraded baths, Mbath has dbl sinks & skylight, vaulted FR w/skylts, vaulted MBR w/WIC, new HW flrs in LR & DR. Tile in foyer & laun, pantry. Newer SS top quality appl. Full fin bsmt/bookshelves & storage. 2 sheds. 2 car garage w/GDOs. nothing to do but move in. If you are interested in this Home for Sale By Owner in Toms River, NJ 08753- Flat Fee MLS Listing $395, plea... 12/01/2011

Open House in Toms River with photos and maps for Sunday Nov 20, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River on November 20, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Plan Your Day with Toms River Open House Maps: The link to the left provides Toms River Open House Maps for open houses in Toms River with property and location information or click on the address's below. Details: 214  LESTER RD, TOMS RIVER, NJ - $245,000Details: 662  MONTANA DR, TOMS RIVER, NJ - $250,000Details: 1433  DELAWARE... 11/19/2011

I am married with 2 daughters and have lived in Ocean and Monmouth counties for over 20 years as well as south Forida for 5years. I grew up in the Restaurant industry with experience in everything from Restaurant wholesale supply and management to working the Hotel scene in Boca Raton, Florida. After obtaining my R.E. license I shortly went on to be a multi-year top producing realtor in a company with over 130 agents!!!!!   A few years later I went on to Broker Manager of 1 corporate real estate office and 2 branch offices. I served on the Monmouth Board of Realtors Grievance Committee as a member of the grand jury and moved on to Co-chair the committee.  I have since affiliated myself with Re/Max to work side by side with my lovely wife Fiona.  I have experience in many different areas... 11/18/2011

  Yesterday FNMA announced the changes to the HARP program which are designed to help underwater homeowners refinance their mortgages into today's lower rates. In typical government fashion, they also announced that the changes will not take place until March 2012!!! (We still are awaiting word from Freddie.)   Here are a few of the highlights No maximum LTV for fixed-rate mortgages with terms up to 30 years 105% for fixed-rate loans with terms greater than 30 years up to 40 years 105% for ARMs with initial fixed periods greater than or equal to five years and terms up to 40 years (as permitted by the ARM plan) Improved pricing for the various loan programs   There still are likely to be some overlays to the above, but it appears to be a step in the right direction and it certainly has ... 11/16/2011

Open House in Toms River with photos and maps for Sunday Nov 6, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River on November 6, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Plan Your Day with Toms River Open House Maps: The link to the left provides Toms River Open House Maps for open houses in Toms River with property and location information or click on the address's below. Details: 444  DOVER RD, TOMS RIVER, NJ - $219,300Details: 1050  SAVANNAH CIR, TOMS RIVER, NJ - $174,900Details: 1289  LINDA DR... 11/05/2011

  Don't forget to Fall Back! Remember to move your clocks back one hour on Sunday, November 6th at 2:00 a.m. Have a great week! Rob Robert Rauf Mortgage Loan Originator NMLS ID# 248937 www.RobertRaufHomeLoans.com or my blog: http://activerain.com/blogs/rrauf (732)557-6920 x102 RRauf@REMN.com Since 1987 I have been helping my clients fulfill their dream of home ownership! Real Estate Mortgage Network Inc.        Real Estate Mortgage Network, Inc. is located at 16 Madison Avenue, Building 2 Suite 2D Toms River, NJ 08753. NMLS #6521. New Jersey Licensed Lender and Mortgage Banker #L041053. Visit www.REMN.com for more information.   NJ Mortgages, New Jersey Mortgages, Mortgages in NJ, mortgage in New Jersey, Mortgages in New Jersey, Toms River NJ 08753, Toms River NJ 08755, Brick NJ 08723, ... 11/03/2011

Open House in Toms River with photos and maps for Sunday Oct 30, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends.Here is the list of Open Houses in Toms River on October 30, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp.Plan Your Day with Toms River Open House Maps: The link to the left provides Toms River Open House Maps for open houses in Toms River with property and location information or click on the address's below.Details: 444 DOVER RD, TOMS RIVER, NJ - $219,300Details: 940 PARK CREST RD, TOMS RIVER, NJ - $224,900Details: 2114 HALSEY RD, TO... 10/29/2011

The 74th TOMS RIVER HALLOWEEN PARADE sponsored by Toms River Fire Company #1 will be held on Monday, October 31, 2011 at 7:00p.m. This Halloween parade has been reported to be the second largest in the world. There will be over 100,000 spectators, thousands of participants & floats! Participants must use On-Line Registration this year. Participants are to be at the Toms River Shopping Center no later than 6:00p.m. The first Toms River Halloween Parade was held on October 31, 1919.  The "Mardis Gras" as it was known then, was started as a fund raiser and nearly 500 people paid an entrance fee to march that first night. The parade route took the participants from the ball field on Horner Street, down to Washington Street, over to Hooper Ave, down to Water Street, then to Main Street, up ... 10/27/2011

Hiring our Heroes Veterans Event in Toms River On October 22, 2011 from 9AM to 12PM, there is a hiring fair for veteran job seekers, active duty military members, Guard and Reserve members and eligible spouses at American Legion Post 129 in Toms River This event will be a one-of-a-kind FREE hiring fair for both employers and job seekers. Employers and job seekers must be pre-register for FREE at HoH.GreatJob.net. This hiring is being conducted by the Toms River Ocean County Chamber of Commerce and the American Legion Post 129 as part of a larger effort by the US Chamber of Commerce and The American Legion to help veterans and military spouses find meaningful employment. Other partners for this event include the Department of Labor Veterans Employment and Training (DOL VETS) and the Empl... 10/20/2011

Open House in Toms River with photos and maps for Sunday Oct 16, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River on October 16, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Plan Your Day with Toms River Open House Maps: The link to the left provides Toms River Open House Maps for open houses in Toms River with property and location information or click on the address's below. Details: 803 PINE SHORE RD, TOMS RIVER, NJ - $232,500Details: 66 GLADNEY AVE, TOMS RIVER, NJ - $249,900Details: 288 FLAAM ST,... 10/15/2011

Open House in Lacey Twp, including Lanoka Harbor and Forked River with photos and maps for Oct 9, 2011. Lacey Twp Open House information with school reports, neighborhood data with Lacey Twp Housing Market Trends. Click here for the list of all Open Houses in Lacey Twp on October 9, 2011 with easy to access maps and numerous photos, including Lanoka Harbor, Forked River, Bamber, Sunrise Beach and the surrounding area. Plan your day with Lacey Twp Open House Maps: The link to the left will give you an interactive map for all open houses in Lacey Township or click on the address' below. Details: 428 LAUREL BLVD, LANOKA HARBOR, NJ - $219,000Details: 136 NAUTICAL DR, FORKED RIVER, NJ - $235,000Details: 739 EVANS ST, LANOKA HARBOR, NJ - $459,500Details: 1314 WARWICK LN, LANOKA HARBOR, NJ - $... 10/08/2011

Home for Sale By Owner in Toms River, NJ 08755 - Flat Fee MLS Listing $395 1991 Ridge Hill Dr Toms River, NJ 08755 - Realtors welcome, buyer agent commission paid at MLS# 21135415 . 4 Beds 3 Baths Beautiful, well maintained 4 BRCol in N. Dover on quiet cul-de-sac. Recently updated kitchen w/all new LG appl & new granite counters. Open flr plan, w/vaulted ceilings. Beautiful private yard w/pool & extensive landscaping! Fin bsmt includes office or 5th BR. Oversized 3 car garage is added bonus! Sprinkler system hooked to well. 2-zn central AC, custom window treatments, crown molding, central vac, HW flrs, energy saving system installed. Great schools. Move in condition. (Fin bsmt addl 750sf) If you are interested in this Home for Sale By Owner in Toms River, NJ 08755- Flat Fee MLS Listing ... 10/05/2011

Home for Sale By Owner in Toms River, NJ 08755 - Flat Fee MLS Listing $395 1231 Mercedes Bnd Toms River, NJ 08755 - Realtors welcome, buyer agent commission paid at MLS# 21110778 . 4 Beds 4 Baths Country club backyd. 4BR/3.5 bath, finished basement w/gas fpl & full bath. Oversized dining rm w/accent lighting. Master BR has WIC & jetted tub. Looking out to yard is sunrm w/custom bar & has heat/ac. FR has wood fpl & HW flrs. Converted garage has office & tv area w/granite counters, hw flrs, crown molding & gas fpl. Regulation tennis court w/nite lites, oversize 22x44 IG pool, detached 8 person spa, 12x32 pool house w/granite counters & 2 sheds. If you are interested in this Home for Sale By Owner in Toms River, NJ 08755- Flat Fee MLS Listing $395, please call 1-888-362-6543, enter the MLS... 10/05/2011

Open House in Toms River with photos and maps for Sunday Oct 2, 2011. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River on October 2, 2011 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Plan Your Day with Toms River Open House Maps: The link to the left provides Toms River Open House Maps for open houses in Toms River with property and location information or click on the address's below. Details: 444 DOVER RD, TOMS RIVER, NJ - $219,300Details: 947 MCGUIRE DR, TOMS RIVER, NJ - $249,900Details: 45 GOUVENEUR AVE, TO... 10/02/2011