About Us
Robert Rauf is a NJ Licensed Mortgage Loan Originator NMLS#248937 Lending in NJ since 1987, I would be happy to put my 30 + yrs of experience to work for you to purchase a home or refinance an existing home. We are the #1 FHA 203k Lender in the country!
Branch NMLS ID# 2513902
CMG Mortgage, Inc. dba CMG Home Loans, NMLS# 1820. Equal Housing Opportunity. To verify our complete list of state licenses, please visit www.cmghomeloans.com/corporate/licensing and www.nmlsconsumeraccess.org. Licensed by the NJ Department of Banking and Insurance.
The products and services we offer
Recommendations Received (36)
"Robert is very knowledgeable and works hard to get the best for his customers. "
"30+ years of experience in the mortgage industry, helping people achieve their dreams. "
Products & Services
Providing Mortgages for homeowners since 1987
First time buyers, Rehab loans, Purchase or Refinance and Home Equity Loans Mortgage Loan Originator...
Robert Rauf, HomeBridge Financial Services offers Mortgage planning to purchase or refinance your residential one to four family home or condo. For...
We can make your dream of home ownership a reality. Robert Rauf, HomeBridge Financial Services offers home loans to aspiring home buyers in and aro...
Recommendations Given (82)
"I have been working with Jovita for years and her clients always rave about her. If you need a..."
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"I have been working with Jovita for years and her clients always rave about her. If you need a great agent to represent you, she will go above and beyond for you!"
"Call Tara for all the "honey-do" items you haven't been able to complete on your own and you wont..."
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"Call Tara for all the "honey-do" items you haven't been able to complete on your own and you wont be disappointed!"
Recent Activity
as someone else mentioned there is not enough information to paint a full picture, but in general my answer would be ABSOLUTELY. Over my career I have always had a good portion of my clients being senior First time buyers that have rented their entire lives and built no equity. In my market we...
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as someone else mentioned there is not enough information to paint a full picture, but in general my answer would be ABSOLUTELY. Over my career I have always had a good portion of my clients being senior First time buyers that have rented their entire lives and built no equity. In my market we still have affordable 55+ communities where we can often get a mortgage payment that is similar and often less than current rent payments. Rents continue to climb with inflation keeping up with income while a mortgage payment is typically much more stable - it is a home run to buy if it is for the long run VS renting.
I see so many "immediate" "ASAPs" etc here as answers. I do not think there is an absolute answer. I doubt any of us are hostage negotiators, Bomb Techs or Brain Surgeons. No one is going to die waiting for a return call if you are sitting on the toilet. The problem is clients have become...
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I see so many "immediate" "ASAPs" etc here as answers. I do not think there is an absolute answer. I doubt any of us are hostage negotiators, Bomb Techs or Brain Surgeons. No one is going to die waiting for a return call if you are sitting on the toilet. The problem is clients have become unreasonable. The same day is probably the best answer to the question, We have other clients, we have lives. Clients need to be reasonable as well- and they need to leave a message so we know who to call- have any of you heard that you have not called someone back, yet they never left a voicemail?
if you do you need to commit to doing it over a long period of time, if your plan is one and done, don't waste your time. consistent mailing to an actual sphere works.. random onesies/twosies do not. I would add in a follow up phone call to that farm would boost the return.
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if you do you need to commit to doing it over a long period of time, if your plan is one and done, don't waste your time. consistent mailing to an actual sphere works.. random onesies/twosies do not. I would add in a follow up phone call to that farm would boost the return.
it is a small world and much easier to be friendly with your competition - this is a relationship business and people (clients) will gravitate to people they like
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it is a small world and much easier to be friendly with your competition - this is a relationship business and people (clients) will gravitate to people they like
as your career moves forward the #1 is your gut. When it talks to you, something is hiding. In the industry I believe the Number one is probably occupancy fraud, and that can be found in addresses, commute distance etc.
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as your career moves forward the #1 is your gut. When it talks to you, something is hiding. In the industry I believe the Number one is probably occupancy fraud, and that can be found in addresses, commute distance etc.
1 Reply
Reputation, availability and your gut.... A good MLO will ask a lot of questions and spend time to determine what is best for their clients individual scenario and even give them a road map to follow for the future.
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Reputation, availability and your gut.... A good MLO will ask a lot of questions and spend time to determine what is best for their clients individual scenario and even give them a road map to follow for the future.
Face to Face appointments are the only way, and Time... I'd suggest visiting open houses, coming up with a target list of agents and invite them for coffee. Out of site, out of mind.... you need to be present
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Face to Face appointments are the only way, and Time... I'd suggest visiting open houses, coming up with a target list of agents and invite them for coffee. Out of site, out of mind.... you need to be present
The benefit is almost 100% to the landlord, I wont even call them a "seller" because that typically doesn't happen. The landlord gets a tenant that might take better care of the home because it may be theirs some day. the flip side is the tenant discovers all of the bad things in the home while...
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The benefit is almost 100% to the landlord, I wont even call them a "seller" because that typically doesn't happen. The landlord gets a tenant that might take better care of the home because it may be theirs some day. the flip side is the tenant discovers all of the bad things in the home while living in it and often do not follow through. From the mortgage side, only the amount paid over a fair market rent can be used towards a down payment, and you see very few tenants willing to pay over a fair market rent.
over deliver! and never stop prospecting. face to face is best, and we all need to get our heads out of social media and only dip our toes in for a brief period of time, I think that is the biggest time suck we all have these days.
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over deliver! and never stop prospecting. face to face is best, and we all need to get our heads out of social media and only dip our toes in for a brief period of time, I think that is the biggest time suck we all have these days.
The only age that matters is that they are of legal age (18)- other than that the only other reason age would be a factor is on a reverse mortgage (62) or for an age restricted community... I have done countless 30yr mortgages for people in their 80s and even 90s over the years.
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The only age that matters is that they are of legal age (18)- other than that the only other reason age would be a factor is on a reverse mortgage (62) or for an age restricted community... I have done countless 30yr mortgages for people in their 80s and even 90s over the years.
