About Me

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A Graduate of the Real Estate Institute (GRI), Lisa Mary Hanley, a Realtor® serving the community for over 25 years, puts her expertise as a Certified Residential Professional (CRP), an Internet Accredited (e-Pro), and pledge of personal attention to the details to work for you in every transaction. “Trust a Professional with your Most Important Investment!”

Tuesday, March 20, 2012

FHA Refinance - Can It Save You Money?

In early March, FHA revised its guidelines for refinancing your current FHA backed mortgage with new FHA financing.  Many people are trying to be financially responsible by reducing their mortgage interest rate to today's even lower rates, however, because of the way FHA has structured the new Mortgage Insurance Premium (MIP) rate which are based on WHEN your original mortgage was made, the reduction in your interest rate may not reduce your total savings significantly enough to make the costs associated with the refi worthwhile.

The greatest benefit of the new guidelines seems to be for owners who placed their FHA mortgage prior to 5/31/09.  It would be worth a phone call* to your current lender to make the inquiry or shop rates with reputable lenders. 

If your loan was placed between 6/1/09 and 10/3/10, the revised guidelines may not make it feasible to refi with an FHA backed product.  Your lender can give you an estimate of your new monthly payment and compare your existing mortgage payment with the projected mortgage payment.

In either case, and any time you are shopping for mortgage products, make sure your get the Annual Percentage Rate (APR) from your prospective lender.  The APR takes all miscellaneous costs associated with your loan into consideration, and will be higher than the rate of interest you will actually be paying on your loan, but allows you to compare apples to apples.  If your lender will not give you an APR - move along.

And, don't forget, if you are thinking about an all out move, give me a call!



*a word of warning, though, don't authorize a credit check until you have settled on a lender since every credit check has a detrimental affect on your credit score.

Monday, March 5, 2012

ASI's Appraiser's Pictures and Streets Assigned

Hi neighbors, just noticed that Appraisal Systems Inc has posted, as promised, the photos of the people assigned to reassess and the streets they are assigned.  I scooted around on the site, it may be there (www.asinj.com) but didn't see any schedule, only the photos and streets.  This is the link to the photo page:   Appraiser's Photos and Streets assigned  Will keep checking and posting.  Feel free to share with your friends.

Sunday, March 4, 2012

Great news coming out of Trenton - Jobs saved!

Just got notice that 900 jobs in South Jersey are off the chopping block!  It was announced that the United States Postal Services's (USPS) South Jersey Processing and Distribution Center, one of the largest facilities of its kind in the State, in Bellmawr, NJ previously being considered for closure and/or consolidation, is staying right where it is.  Thank you Trenton.

Friday, March 2, 2012

Free Rabies Clinic in Washington Township




 Sorry, could not find this year's notice, but here is last year's.  Called Township and they confirm it is tomorrow, 3/3/12 between 1:30 and 3:00 at the Municipal Garage. 
               
               WASHINGTON TOWNSHIP RESIDENTS

FREE RABIES CLINIC
SATURDAY, MARCH 6, 2010
1:00 PM TO 2:30 PM

MUNICIPAL GARAGE – McCLURE DRIVE
ALL dogs MUST be leashed, accompanied by an adult,
and under owner’s control.
Aggressive Dogs Will Be Refused
Unless Muzzled!
CATS must be in a carrier or
otherwise secured.

Thursday, March 1, 2012

IF YOU ARE NOT PART OF THE SOLUTION...




There has been soooo much back and forth about the “Respect Rally" that, at this point, let’s put our heads together to find a solution!  As a measure of d├ętente between the WTHS students and the School Board President  can it be proposed to the English Department (Sorry, but  the English Department should make the proposal) at WTHS that they get in touch with the School Board President  and offer him the opportunity to allow the seniors, as an project for credit, to outline their perfect graduation speech and pass those ideas along to him.   I think this would be a fantastic project for this class and future classes.  Neither the current President nor any future President would be obligated to use the ideas, but he/she would have a grasp of what is important to that year’s seniors.  After all, Graduation is to celebrate the achievements and successes of children.

Any other constructive ideas?