Is An Adjustable Rate Mortage The Right Loan For You?

There are lots of misconceptions surrounding Adjustable Rate Mortgages (ARMs), mostly because they have been thought of as the 'villain' of the housing crash. Although there were lots of ARMs written leading up to the crash, qualifying for an ARM back then, and how they were structured,is a far cry from how ARMs are written today.

In light of rising mortgage rates, more buyers may be looking at the advantages of an ARM and how they can save money.

There are many situations where an Adjustable Rate Mortgage can be the best choice for a home buyer.  Let's take a look at some of those situations:

Fun Things To Do With Your Family/Guests At Holiday Time

The best thing about the holidays is the time spent with family and friends.  That's what it's all about!  

Here are some fun ideas of things that everyone can do together . . . young and old . . . to get the most out of the precious time spent together.  Perhaps you'll start a new tradition!

Make an EASY gingerbread house out of graham crackers, cereal, gum drops, icing and assorted candies.  The kids will love doing this. Here is a link to the how-to:

See lots more great ideas for family fun and games here:

Winter Woes: Is The Air In Your Home Healthy?

Did you know that your house needs to 'breathe' in order to have healthy air?  There are gases, toxins and moisture that need to be expelled from the inside, and fresh air needs to enter from the outside.

In an attempt to conserve energy and reduce heating costs, homeowners can make their homes too air tight.

When a fuel-burning appliance in your home doesn't get enough fresh air and fails to completely burn its fuel, carbon monoxide is produced. If ventilation is damaged or blocked or if you have a powerful kitchen fan, bathroom fan or open hearth fireplace, then carbon monoxide can be drawn back inside the house.

What are the signs that your home is too air tight?

Happy Halloween!

Long Branch Pier Village Open-Air Oceanfront Ice Skating Beginning Thanksgiving!

Long Branch New Jersey SkylinePier Village in Long Branch is one of the most popular destinations for visitors to the Jersey Shore.  To bring visitors to the beachfront during the colder months Kushner Companies, owners of Pier Village, are building an oceanfront open-air ice skating rink.  How cool is that!

The ice skating rink at Pier Village's Festival Plaza will open starting Thanksgiving weekend and will stay open through President's Day.  Now patrons will be able to enjoy skating during the Village's existing Christmas tree lighting and New Year's Eve events.

The 50 X 80 foot ice rink is scheduled to be open to the public Thursdays through Sundays, will offer skate rentals for $4, and admission will be $12 for adults and $8 for children under 12.  On Mondays through Wednesdays the rink will be available for private parties and events.