May you smile and laugh through 2017

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source: reddit.com Hope smiles from the threshold of the year to come. - Alfred Tennyson May your thoughts of the New Year make you smile with anticipation.

Gloria Benaroch --- Heritage House Sotheby's Int'l Realty 732-842-3434 x1431 -- 848 Broad Street Shrewsbury, New Jersey 07702 -- gloribee@comcast.net www.gloribee.com

This e-mail was sent by Heritage House Sotheby's International Realty located at 834 Broad Street Shrewsbury, New Jersey 07702. To not receive further e-mails from Gloria Benaroch at this address, please follow this link.

Happy New Year 2017

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Gloria Benaroch Broker Associate Heritage House Sotheby's Int'l Realty 848 Broad Street Shrewsbury, New Jersey 07702 732-842-3434 x1431 732-245-4031 gloribee@comcast.net www.gloribee.com

This e-mail was sent by Heritage House Sotheby's International Realty located at 834 Broad Street Shrewsbury, New Jersey 07702. To not receive further e-mails from Gloria Benaroch at this address, please follow this link.

FW: Winter Golf Season Details & Polar Bear Golf Tournament

Bel-Aire, Charleston Springs & Shark River Golf Courses open for play through the winter season.

 

Having trouble viewing this email? View it as a Web page. Our winter golf season is almost here and brings with it the opportunity to enjoy several of our courses year round.  Weather permitting, Bel-Aire, Charleston Springs and Shark River Golf Courses will be open through January and February with tee times available from 9 a.m.-3 p.m. daily. Even better, you’ll be able to enjoy discounted winter golf rates on our courses. See our winter golf rates.   Winter also brings our Polar Bear Golf Tournament on Saturday, January 14 at Shark River Golf Course, Neptune.  This 18-hole, individual stroke play tournament (net and gross) is open to golfers age 12 and up. No golf card is required but a USGA GHIN handicap is needed for net competition. The cost is $48 per golfer and includes a continental breakfast.  Online registration available.   For updates on golf course conditions or golf related questions, please call the golf course centers.  The Park System can also be contacted through email at info@monmouthcountyparks.com.

 

FW: Gloria, check out today's rates!

Ilene Jacobs Fulton Bank of New Jersey (732) 610-0260	Visit Website      Email Me   For more information on available rates & customized programs or pre-approvals, contact me at (732) 610-0260.
Current Mortgage Rates as of 10/21/2016

 

CONVENTIONAL FIXED RATES Loans $417,000 and under (Purchase or Refinance)		FHA 3.50% down payment	VA 0% down payment
30 Year Fixed	15 Year Fixed	30 Year Fixed	30 Year Fixed
3.500%, 0.250 Pts 3.625%, 0.000 Pts   $625,000 in high cost areas add 1 pt	2.750%, 0.500 Pts 2.875%, 0.000 Pts	3.125%, 1.125 Pts   Higher rates available with credit back to borrower	3.250%, 0.000 Pts
USDA RURAL HOUSING PROGRAM	HOMEBUYER ADVANTAGE PLUS	CONSTRUCTION/ PERMANENT	MEDICAL PROFESSIONALS
30 Year Fixed	30 Year Fixed	1/1 ARM	30 Year Fixed
3.250%, 0.125 Pts 3.375%, 0.000 Pts	3.500%, 0.000 Pts   First-Time Homebuyers Owner-Occupied Only; NO PMI NO ORIGINATION FEE 97% financing	3.250%, 0.000 Pts   10% down payment (95% financing avail) One-time closing Lock rate at application Rates with points also available	3.750%, 0.000 Pts   100% financing to $1,500,000 NO PMI Medical Doctorate degree required, Restrictions may apply—Dentists, Pharmacists, Veterinarians

                                                                                                                                                     

	JUMBO 30 YEAR FIXED	JUMBO ARMs – 7/1 (3/1, 5/1, 10/1 also avail)
	Special Portfolio	Special Portfolio
	3.625%, 0.000 Pts	3.000%, 0.000 Pts   90% CLTV to $1,000,000

OTHER PRODUCTS AVAILABLE

Non-Warrantable Condos, Investment Properties, Bridge Loans, Reverse Mortgages, Land/Lot Loans, First-Time Homebuyer Programs PLEASE CALL FOR DETAILS

Rates quoted are for 60-day locks.   This information is provided to assist real estate professionals and is not an advertisement or intended for further distribution to any individual consumers.  Rates and Terms are subject to change without notice.   Ilene Jacobs ¦ Fulton Bank of New Jersey 2 Ryan Rd, Marlboro NJ 7746 (732) 610-0260 ijacobs@fultonmortgagecompany.com NMLS #622973    Fulton Bank of New Jersey is a Member FDIC. Member of the Fulton Financial Family. Subject to credit approval   If you do not wish to receive future email from me, please click Unsubscribe. Thank You.