Greg Englesbe - A Look at Mortgage Down Payments

Greg Englesbe got into the mortgage banking business after he graduated from college. He attended Rider College in Lawrenceville, New Jersey, and he was subsequently offered a career position as a Regional Sales Manager for a mortgage lender. After he distinguished himself, he decided to strike out on his own. In 2003, he founded E Mortgage Management in Mount Laurel, New Jersey. Over the many years that he has been assisting clients, he has given a good bit of advice about mortgage down payments.

If you speak with a mortgage banker like Greg Englesbe about a home loan, the required down payment will naturally be a topic of discussion. The exact amount that will be required will depend upon a number of different circumstances. If you apply for a government-backed FHA loan, you can potentially get the financing you need with a down payment as low as 3.5 percent. Your credit history would also be a very important piece to the puzzle when it comes to the minimum down payment. Someone with outstanding credit may be able to qualify for a loan with a five percent down payment. On the other hand, if your credit is just average, you may be required to put down 20 percent or more.

When you decide that you would like to purchase a home, you should certainly sit down and discuss down payments with a mortgage specialists like Greg Englesbe. If you understand all of the facts and make the appropriate preparations, you should be able to obtain a mortgage.

Greg Englesbe Haunts the Capoolong and Barnegat Trails

Greg Englesbe’s delight in the hikes and campout spots of New Jersey has resulted in visits by his family to a number of the most popular natural regions of the state.  Capoolong Creek Wildlife Management Area, Barnegat Branch Trail and Parkway Trail, which accesses what is known as the Greater Philadelphia trail network, are only a few of the greenway and bikeway trails the Englesbes have explored.  The Capoolong Creek Wildlife Management Area, site of the Capoolong Creek Trail, or part of the Skylands Trail network, is around 4 miles long and is quite linear, featuring a ride through an impressive hardwood forest of some age which features sycamores and red and silver varieties of maples.  The Capoolong Creek Trail sees the Englesbe’s bikers, or hikers, as the case may be, following the route of the defunct Lehigh Valley Railroad, a spur of the line which once ended in Pittstown, known for its luscious peaches which were shipped back to the city.  A double whammy: history and forest beauty on this short ride for a morning.

The Englesbes can view occasional reminders of the railroad bed, especially at the south end of the trail where the old train station awaits restoration.  The Trout Lily and Spring Beauties bloom along the trail in spring and summer, and views of the stream alongside the trail are relaxing.  Birds include the Northern Parula, Yellow, Black-throated Blue, Yellow-rumped and Black-and-white along with Ovenbird and Wood Thrush.  On the outer edges of the trees one might spy Blue-headed, Yellow-throated and Red-eyed varieties.

http://www.njwildlifetrails.org/SkylandsTrails

Greg Englesbe Prepares Meticulously for Good Cooking

Greg Englesbe’s better cooking mandates that essential items like knives and garbage cans need to be close by so that the waste of the cooking effort can be quickly and painlessly disposed of. It is also indispensably helpful to have performed the weekly shopping with a meticulous plan and list. This may be accomplished by establishing the dishes to be cooked for each day in advance, referring to the recipes for each one to assure that all ingredients are available, and even organizing the needed ingredients by aisle to prevent missing something and having to waste time returning where one has already been. One can even organize the shopping list by grocer’s sections, like produce, seafood, dry goods and dairy.

Greg Englesbe likely already has a complete pantry of essential cooking items, but may not be keeping meticulous account of what has been used and needs to be replenished. Noting items which need to be replaced as they are used will prevent a cooking emergency at mid-preparation. Another part of the pantry which will enhance the recipes of an enthusiastic cook a hundred percent is the heavenly effect of herbs and spices. These exotic ingredients make all the difference between an everyday dish and a palate’s delight. A special plus of using unusual herbs and spices is that it can cut down on the use of salt and sugar, extra butter or heavy cream. One may become quite obsessive about spices and prefer to use fresh dried varieties from one’s own garden, close at hand to assure that their full potency is still within the plant.

http://www.eatingwell.com/

Greg Englesbe Recalls Ups and Downs of Mortgage Lending

The mortgage industry of Greg Englesbe has estimated that money-lenders created somewhere between 55 and 700 million dollars in property loans in the period between 1820 and 1860, with the proliferation of new banks established in the United States.  National bank charters and the creation of nationalized currency helped to protect the federal treasury, while the universal currency replaced bonds which had been previously issued by states and banks.  Nonetheless, restrictions were placed on national banks regarding investing in mortgages and long-term investments.

Small mortgages of six years or even less were issued by some state banks starting in 1893, and these secured based only on the trust of the debtor.  But they often were not on the property’s whole value.  Unlike today’s mortgage market of institution owners like Greg Englesbe, which is strictly regulated by federal oversight, the mortgage market of the United States at the end of the 19th century was disorganized with unevenly created mortgage loans which favored the Northeastern region of the United States with lower interest rates.  This reflected a desire on the part of lenders to lend investment funds to city projects and residential construction in the Northeast.  Even with this unfair disparity in interest rates on loans, the populations of Western cities doubled, although it is estimated that the growth of new cities may have been stunted between 1880 and 1890, when loans which Western loan institutions sold to Eastern investors went into default, especially for farmers who faced foreclosure due to a drought.  

http://business.cch.com/bankingfinance/focus/news

Greg Englesbe Stakes His Future in Cherry Hill New Jersey

Through a progression of important positions of responsibility, Greg Englesbe remained in Cherry Hill, New Jersey, a heavily populated municipality in the Delaware Valley plain southeast of Philadelphia.  Cherry Hill was originally a village of Lenni-Lenape Native Americans, who lived side by side early settlers from England, primarily the Quakers of William Penn who came to the area in the late 17th century.  The Colestown Cemetery today marks the site of the original settlement of Colestown.  Truly burgeoning population growth did not take place until after World War II, and this growth continued to the 1980’s.

The modern name of Cherry Hill derives from a farm which stood on what are today Cherry Hill Towers and Cherry Hill Estates housing developments.  The area has mild winters and hot, humid summers, and unlike the developing career of Greg Englesbe, most residents work outside the municipality, in cities like Philadelphia, Camden, Trenton or Princeton.  Cherry Hill was named among the nation’s Best Places to Live by Money magazine and Philadelphia magazine in 2006, and was ranked the eighth safest place to live in the Money survey.

Greg Englesbe was a powerful Chief Executive Officer at National Future Mortgage where, from 1994 to 2002, Englesbe expanded the licensure of the institution to over 25 states and increased the revenue of the organization to over 8 million dollars.
 
https://en.wikipedia.org/wiki/Cherry_Hill,_New_Jersey
https://en.wikipedia.org/wiki/Mount_Laurel,_New_Jersey

Greg Englesbe - Three Items to Keep You Safe on the Trail

Greg Englesbe learned many things while hiking in the many natural areas in and around South Jersey. Since he moved there in 2010, his days of taking strenuous hikes for miles are likely on hold for the moment. Still, he has found that these three items are extremely useful for him and hikers like him:

• Headlamps. Most hikers who go for a day hike forget these often essential items because they don’t think the sun will go down on them while they are on the trail. But Greg Englesbe has learned that carrying a few lightweight headlamps in the event that a short hike turns into a long one is an extremely helpful use of space in the day pack.
• Sunscreen. Even in shady forests, the sun at its most powerful can still hurt your skin. You may be in the sun for more time than you originally thought, so packing a tube of sunscreen is a great way to ensure you won’t get burnt on the trail at any point, as Greg Englesbe has.
• Sandals. More of a comfort item than a survival one, packing an extra pair of flip-flops can make it easy to wade for a moment in the river during a break in the hike than stripping off your boots to go in barefoot. They also prevent injury when you want to wade in the water.

Greg Englesbe has experience hiking many trails throughout South Jersey.

Greg Englesbe- The Pros and Cons of Jogging

Greg Englesbe is an avid outdoorsman and regular jogger in his neighborhood in Cherry Hill, New Jersey, where he runs E Mortgage Management, LLC. He works out regularly because he knows that regular exercise, especially cardio workouts, leads to a longer, healthier life. He claims to feel the positive effects every day after he completes his morning run. However, jogging is not for everyone.

                                               

Pros: Stronger heart and circulatory system, increased energy and metabolism, release of endorphins, and cleaner lungs. Regular cardio workouts like jogging has positive effects on the heart and circulatory system because it strengthens the heart and makes it easier for the most vital organ to pump blood throughout the body. Greg Englesbe also finds that running sometimes helps him clear congestion from his lungs, especially in the heavily wooded areas where he runs regularly. Lower blood pressure means less stress on the circulatory system in general and reduced chances of heart attacks later in life.

Cons: Potential for joint and ligament damage, especially in the knees and ankles. Those with serious knee or ankle injuries shouldn’t run for fun. Running is excellent for the heart, and as long as your knee joints and bones are protected with a layer of cartilage still, running is a great exercise, as Greg Englesbe can attest. However, there are many cardio exercises that don’t stress the joints and ligaments as much, including swimming and using the elliptical machines at the gym.

Greg Englesbe will run as long as his knees and ankles allow him.