Lay Down Sally Eric Clapton tribute cover James Graff solo 12 string acoustic electric Takamine Ft. Lauderdale Florida Super Sports Motor

"If you were to dedicate the rest of your life to easing suffering in the world - now and into the future - what would you do? How would you do it?" "By far, the most multi-talented performer I have ever worked with...any stage or studio..." (????) - Kirk Kelsey - Three time Grammy award winning producer, audio/sound FOH engineer for Keith Urban, Smashing Pumpkins, Creed, 3 Doors Down, etc.

"The most talented musician I have ever seen...on any stage in the world...or even heard of!!!...I've never even HEARD of anyone like that...plays EVERY instrument well....??"

- Pat Rizzo - Tenor Saxophone for Frank Sinatra, War, Sly and the Family Stone,
Donna Summer, Gloria Gaynor, etc.

“He’s the best guitar player in New Jersey...” (????)
- Anonymous but unshakeable supporter
(??? Thanks!! Way, way too kind but...No way!!!)

“Everyone give it up for the best harmonica player in New Jersey...”(????)
- Dave Nahan
(Again, Thanks!!...too kind...but...NO!!)
Global warming, malaria, land mines, starvation, drought, AIDS, hepatitis, war, peak oil, asteroids, pandemics, avian flu, cancer, mental illness, (diamonds, chocolate, prostitution...) slavery, kidnapping, torture, censorship, Amnesty International, U.N., W.H.O., C.D.C., Red Cross, Peace Corp, Doctors without Borders, I.M.F., UNICEF, O X F A M(!!), animal rights, spirituality, charity....????

"Help the hopeless, the helpless and the health-less!!!"

James Graff

Musical genius or musical slu+? (or narcissistic, reclusive, newTuber junkie!!): "I will play ANY instrument, in ANY STYLE, with any one, for any amount of money - (to go entirely to charity!)"

ALL & ANY INSTRUMENTS! Keys, ALL stringed/bowed, ALL woodwinds, ALL brass, ALL percussion...

100+ ORIGINALS,

400+ request list: CLASSICAL, BAROQUE, JAZZ, RAGTIME, POP, BLUES, ROCK, REGGAE, FUNK, COUNTRY, DISCO, HARD ROCK, METAL, PUNK AND EVERYTHING IN BETWEEN!

James Graff has recently settled down with his wife and two boys...just before that he had been touring Europe with the opening, warm up act for WASP:

James Graff writes, arranges, engineers, produces, sings and

SINGS AND PLAYS ALL/ANY MUSICAL INSTRUMENTS!!

SANG AND PLAYED MULTIPLE INSTRUMENTS ON
5 CONTINENTS IN
40+ COUNTRIES
IN FRONT OF TENS OF THOUSANDS
IN BANDS WITH MEMBERS FROM MANY
INTERNATIONALLY FAMOUS (Am I??....NO!!),
"HALL OF FAME",
MULTIPLE BILLBOARD CHARTING,
MULTIPLE GRAMMY AWARD WINNING,
MULTI-PLATINUM ACTS:

Marilyn Manson ("Sweet Dreams", "The Beautiful People"...)
The Frank Sinatra Orchestra ("My Way", "New York, NY", “Summer Wind”...)
Clarence Clemons and the Red Bank Rockers (“Women's Got the Power”, “Savin Up”, “You're a Friend of Mine”)
Allman Brothers Band (“Whippin Post”, “Melissa”, “Ramblin’ Man”, “One Way Out”, “Southbound”, “Midnight Rider”...)
Extreme ("More Than Words", "Get the Funk Out")
Creed ("Higher", "One")
Steve Vai ("For the Love of God", "The Audience is Listening", "Bad Horsie", soundtrack and "cameo" for movie "Crossroads")
Steve Morse Band/Dixie Dregs ("Tumeni Notes", "Highland Wedding", "Dixie"...)
Dream Theatre, ("Pull Me Under")
The Classics IV ("Spooky", "Stormy", "Traces of Love")
Little Steven & the Disciples of Souls (“Voice of America”)
Gary U.S. Bonds (“Quarter to Three”, “This Little Girl”)
Garry Tallent
Hanu Leiden
J.T. Bowen
Jersey Artists for Mankind
The Platters ("The Great Pretender", "Smoke Gets in Your Eyes", "Only You", "Unchained Melody"...)
Expose ("Seasons Change", "Point of No Return"...)
Linear ("Sending All My Love"...)
Jeff Scott Soto (Singer for Alcatraz/Yngwie Malmsteen, Journey, Foreigner, movie "Rock Star"...)
Bertie Higgins ("Sailing Away to Key Largo"...)
Gloria Estefan & the Miami Sound Machine ("Turn The Beat Around", "Conga", "Rhythm Is Gonna Get You"...)
Dion ( "Runaround Sue," "The Wanderer," "Ruby Baby," and "Lovers Who Wander", etc.)
and MANY more...

OPENING UP FOR:

Marilyn Manson, The Beach Boys, The Romantics, Jefferson Starship, Modern English, Quiet Riot, The Guess Who, Ted Nugent, Mountain, Molly Hatchet, Richie Havens, Ace Freely, Wasp, Dave Barry, Atlanta Rhythm Section, Dennis Yost (Classics IV), Steihardt Moon Project (Kansas), Marty Balin (Jefferson Starship), Melanie, Bertie Higgins, Arlo Guthrie, Kathleen Madigan, Saigon Kick, War and MANY, MANY more...

THE 5th MOST VIEWED MUSICIAN IN THE WORLD!!!
well over 7 MILLION -- video views!!
250,000+ "friends"
90,000+ channel views
3,000+ subscribers
135+ award winning, live concert and MTV style entertainment videos
35+ all original, self-produced music videos

Amazing Refinance Opportunity-ending soon!? Inflation may raise rates LOA...

MNLS# 1974758
Get no hassle/obligation mortgage help now:
http://JGraff.AdvisorsMortgage.com/prequalify
Call or text: 732-500-MUTE

A Gift If You Open It Now

Imagine receiving a gift and having it taken away before you even had the chance to unwrap it. This could be happening in the very near future to everyone who is about to miss this amazing refinance opportunity.

Rates are incredibly attractive and provide you with an opportunity to save a very meaningful amount of money on your mortgage every month. But any positive news about progress on the pandemic will likely cause rates to move higher. In addition, the Federal Reserve has told us that they will be more lenient on inflation. This is important because higher inflation causes Mortgage Rates to rise.

There’s a good chance inflation will continue to move higher, especially as the economy recovers. Demand for goods and services will increase first, but supply and labor will likely lag for a period of time, causing prices to rise. This potential spike in inflation could mean that Mortgage Rates will become less attractive. And they don’t need to move dramatically for the gift of low rates to be much less beneficial.

Don’t wait, call me today, and don’t let anything take this gift away from you. I’m James Graff and that's this week's Mortgage Minute.

HOME LOANS James Graff NMLS# 1974758
Advisors Mortgage Group, L.L.C. NMLS# 33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America:
AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV

Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac...

Historically low interest rates "New Tax on Mortgage Refinances from the FHFA": FHFA 0.5% refinance fee moved back from Sep. 1st to Dec. 1st Good News, Bad News

NMLS#1974758
Get no hassle/obligation mortgage help:
http://JGraff.AdvisorsMortgage.com/prequalify
732-500-MUTE

I’ve got some good news and I’ve got some bad news. Here’s the bad news first…

The Federal Housing Finance Agency just announced a surprise fee on all new refinance transactions that are sold to Fannie Mae and Freddie Mac, which make up approximately two thirds of all loans. The fee will be assessed, regardless of the bank or mortgage company you choose to work with. This will result in a small increase to the interest rate that would have normally been available.

Now for some good news…

Luckily, the start date for this fee has been moved back from September 1st to December 1st...so there may still be plenty of time, hopefully, to take advantage of historically low interest rates to either save money or even make money!

Interest Rates are currently at extraordinarily low levels. And refinancing may still be a very smart financial move, which can save you money every month or reduce the amount of years remaining on your mortgage. You may also be able to consolidate your debts to save even more money.

Let’s take a look at your unique situation to see if you can benefit from this opportunity. Call me, James Graff, your mortgage professional.

HOME LOANS James Graff 732-500-MUTE
Advisors Mortgage Group, L.L.C. NMLS#33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America

Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM Fannie Mae Freddie Mac...

Historically low interest rates FHFA 0.5% refinance fee Dec 1st Good/Bad news James Graff .

NMLS#1974758 Get no hassle/obligation mortgage help: http://JGraff.AdvisorsMortgage.com/prequalify 732-500-MUTE I’ve got some good news and I’ve got some bad news. Here’s the bad news first…

The Federal Housing Finance Agency just announced a surprise fee on all new refinance transactions that are sold to Fannie Mae and Freddie Mac, which make up approximately two thirds of all loans. The fee will be assessed, regardless of the bank or mortgage company you choose to work with. This will result in a small increase to the interest rate that would have normally been available.

Now for some good news…

Luckily, the start date for this fee has been moved back from September 1st to December 1st...so there may still be plenty of time, hopefully, to take advantage of historically low interest rates to either save money or even make money!

Interest Rates are currently at extraordinarily low levels. And refinancing may still be a very smart financial move, which can save you money every month or reduce the amount of years remaining on your mortgage. You may also be able to consolidate your debts to save even more money.

Let’s take a look at your unique situation to see if you can benefit from this opportunity. Call me, James Graff, your mortgage professional.

HOME LOANS James Graff 732-500-MUTE
Advisors Mortgage Group, L.L.C. NMLS#33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America

Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM Fannie Mae Freddie Mac...

Sister Golden Hair America cover James Graff solo singing live music 12 string acoustic electric guitar Ft. Lauderdale Florida Supersports Motor

"If you were to dedicate the rest of your life to easing suffering in the world - now and into the future - what would you do? How would you do it?"

"Sister Golden Hair" is a song written by Gerry Beckley and recorded by the band America for their fifth album Hearts (1975). It was their second single to reach number one on the U.S. Billboard Hot 100, remaining in the top position for one week.

The lyrics were largely inspired by the works of Jackson Browne. Beckley commented, "[Jackson Browne] has a knack, an ability to put words to music, that is much more like the L.A. approach to just genuine observation as opposed to simplifying it down to its bare essentials... I find Jackson can depress me a little bit, but only through his honesty; and it was that style of his which led to a song of mine, 'Sister Golden Hair', which is probably the more L.A. of my lyrics." The band previewed the song for Browne while touring together with the singer, at whose suggestion the lyric originally written as: "Will you meet me in V.A." - referring to Virginia - became "Will you meet me in the air". Beckley adds that "Sister Golden Hair" "was one of the first times I used 'ain't' in a song, but I wasn't making an effort to. I was just putting myself in that frame of mind and I got those kind of lyrics out of it."

Music video
The music video for the song is of the band performing the song on Midnight Special.America
Gerry BeckleyDewey Bunnell
Dan Peek
Studio albums
AmericaHomecomingHat TrickHolidayHeartsHideawayHarborSilent LetterAlibiView from the GroundYour MovePerspectiveHourglassHuman NatureHoliday HarmonyHere & NowBack PagesLost & Found
Compilations
History: America's Greatest HitsEncore: More Greatest HitsHighwayThe Definitive AmericaThe Complete Greatest HitsHits: 40th Anniversary Edition
Live albums
America LiveIn Concert (1985)In Concert (1995)Horse with No NameThe Grand Cayman ConcertLive In Concert: Wildwood Springs
Soundtracks
The Last Unicorn
Singles
"A Horse with No Name""I Need You""Ventura Highway""Muskrat Love""Tin Man""Lonely People""Sister Golden Hair""Daisy Jane""Woman Tonight""Today's the Day""Amber Cascades""You Can Do Magic""Right Before Your Eyes""The Border""Your Move"
Related articles
Discography
Categories: 1975 songs1975 singlesSongs written by Gerry BeckleyAmerica (band) songsThe Dandy Warhols songsSong recordings produced by George MartinBillboard Hot 100 number-one singlesWarner Records singles

"Help the hopeless, the helpless and the health-less!!!"

James Graff

Musical genius or musical slu+? (or narcissistic, reclusive, newTuber junkie!!): "I will play ANY instrument, in ANY STYLE, with any one, for any amount of money - (to go entirely to charity!)"

ALL & ANY INSTRUMENTS! Keys, ALL stringed/bowed, ALL woodwinds, ALL brass, ALL percussion...

100+ ORIGINALS,

400+ request list: CLASSICAL, BAROQUE, JAZZ, RAGTIME, POP, BLUES, ROCK, REGGAE, FUNK, COUNTRY, DISCO, HARD ROCK, METAL, PUNK AND EVERYTHING IN BETWEEN!

James Graff writes, arranges, engineers, produces, sings and

SINGS AND PLAYS ALL/ANY MUSICAL INSTRUMENTS!!

SANG AND PLAYED MULTIPLE INSTRUMENTS ON
5 CONTINENTS IN
40+ COUNTRIES
IN FRONT OF TENS OF THOUSANDS
IN BANDS WITH MEMBERS FROM MANY
INTERNATIONALLY FAMOUS (Am I??....NO!!),
"HALL OF FAME",
MULTIPLE BILLBOARD CHARTING,
MULTIPLE GRAMMY AWARD WINNING,
MULTI-PLATINUM ACTS:

Marilyn Manson ("Sweet Dreams", "The Beautiful People"...)
The Frank Sinatra Orchestra ("My Way", "New York, NY", “Summer Wind”...)
Clarence Clemons and the Red Bank Rockers (“Women's Got the Power”, “Savin Up”, “You're a Friend of Mine”)
Allman Brothers Band (“Whippin Post”, “Melissa”, “Ramblin’ Man”, “One Way Out”, “Southbound”, “Midnight Rider”...)
Extreme ("More Than Words", "Get the Funk Out")
Creed ("Higher", "One")
Steve Vai
Steve Morse Band/Dixie Dregs
Dream Theatre, ("Pull Me Under")
The Classics IV ("Spooky", "Stormy", "Traces of Love")
Little Steven & the Disciples of Souls
Gary U.S. Bonds
Garry Tallent
Hanu Leiden
J.T. Bowen
Jersey Artists for Mankind
The Platters
Expose
Linear
Jeff Scott Soto
Bertie Higgins ("Sailing Away to Key Largo"...)
Gloria Estefan & the Miami Sound Machine
Dion and MANY more...

OPENING UP FOR:

Marilyn Manson, The Beach Boys, The Romantics, Jefferson Starship, Modern English, Quiet Riot, The Guess Who, Ted Nugent, Mountain, Molly Hatchet, Richie Havens, Ace Freely, Wasp, Dave Barry, Atlanta Rhythm Section, Dennis Yost (Classics IV), Steihardt Moon Project (Kansas), Marty Balin (Jefferson Starship), Melanie, Bertie Higgins, Arlo Guthrie, Kathleen Madigan, Saigon Kick, War and MANY, MANY more...

THE 5th MOST VIEWED MUSICIAN IN THE WORLD!!!
well over 7 MILLION -- video views!!
250,000+ "friends"
90,000+ channel views
3,000+ subscribers
135+ award winning, live concert and MTV style entertainment videos
35+ all original, self-produced music videos

4-24.4% forecasted appreciation Gloucester county NJ Pre-approval letter James Graff NMLS#1974758 732-500-MUTE Get no hassle/obligation mortgage help: http://JGraff.AdvisorsMortgage.com/prequalify

NMLS#1974758 Get no hassle/obligation mortgage help: http://JGraff.AdvisorsMortgage.com/prequalify 732-500-MUTE

GLOUCESTER COUNTY NEW JERSEY

Persistence Pays Off When Shopping for a Home

Due to a lack of inventory, it may take longer to find the right home for you. But your efforts will likely be rewarded.

Recently, the number of new construction homes were not keeping up with increasing demand, especially from those under 35 years old. And the pandemic has made the shortage of housing even tighter.

The housing market is hot and forecasted to show strong gains into the future. Our local market is anticipating appreciation of 4.0% over the next 12 months and 22.4% over the next 5 years.

So while it might take a little more persistence to find your next home, stay with it and don’t get discouraged because the financial opportunity is significant.

Many sellers won’t let you into their home without a pre-approval letter. So contact me to have that in hand to increase your chances of reaching the home of your dreams.

Government
As of 2020, Gloucester County's Freeholders are Freeholder Director Robert M. Damminger (D, West Deptford Township; 2021)] Deputy Freeholder Director Frank J. DiMarco (D, Deptford Township; 2022),[28] Lyman J. Barnes (D, Logan Township; 2020),[29] Daniel Christy (D, Washington Township; 2022),[30] Jim Jefferson (D, Woodbury; 2020),[31] Jim Lavender (D, Woolwich Township; 2021),[32] and Heather Simmons (D, Glassboro; 2020).

Pursuant to Article VII Section II of the New Jersey State Constitution, each county in New Jersey is required to have three elected administrative officials known as "constitutional officers." These officers are the County Clerk and County Surrogate (both elected for five-year terms of office) and the County Sheriff (elected for a three-year term).[35] Gloucester County's constitutional officers are: County Clerk James N. Hogan (D, Franklinville in Franklin Township; 5-year term ends 2022), Sheriff Carmel Morina (D, Greenwich Township; 3-year term ends 2021)] and Surrogate Giuseppe "Joe" Chila (D, Woolwich Township; 5-year term ends 2022).

The Gloucester County Prosecutor is Charles A. Fiore.[46]

Gloucester County is a part of Vicinage 15 of the New Jersey Superior Court (along with Cumberland and Salem counties), seated in Woodbury in Gloucester County; the Assignment Judge for the vicinage is Benjamin C. Telsey. The Gloucester County Courthouse is in Woodbury.[47]

Gloucester County is included in the 1st and 2nd Congressional Districts.[48][49] For the 116th United States Congress, New Jersey's First Congressional District is represented by Donald Norcross (D, Camden).[50][51] For the 116th United States Congress, New Jersey's Second Congressional District is represented by Jeff Van Drew (R, Dennis Township).[52]

The county is part of the 3rd, 4th and 5th Districts in the New Jersey Legislature.[53] For the 2018–2019 session (Senate, General Assembly), the 3rd Legislative District of the New Jersey Legislature is represented in the State Senate by Stephen M. Sweeney ...

Notable people
See also: Category: People from Gloucester County, New Jersey
Corey Clement (born 1994), running back for the Philadelphia Eagles and Super Bowl Champion his rookie year in the NFL (Glassboro).[91]
Danielson is an American rock band from Clarksboro, that plays indie pop gospel music.
Seymour W. Duncan, is an American guitarist and guitar repairman and a co-founder of the Seymour Duncan Company (Paulsboro)
Linda Fiorentino, actress (Mantua Township).
Grace Helbig, comedian, actress, author, talk show host, and YouTube personality (Woodbury/Woodbury Heights).
Michael Johns, health care executive, former White House speechwriter, conservative policy analyst and writer (Deptford).[92]
Tara Lipinski, Olympic gold medal winner, figure skating (Mantua Township).
Bryant McKinnie, professional football player, Minnesota Vikings (Woodbury).
J. Hampton Moore, former Mayor of Philadelphia (Woodbury).
Milt Plum, former professional football player, Cleveland Browns, Detroit Lions, Los Angeles Rams and New York Giants (Westville).
Jimmy Rollins (born 1978), professional baseball player, Philadelphia Phillies (Woolwich Township).[93]
Patti Smith, punk rock musician (Woodbury).
Steven Squyres, scientist, Squyres is the Goldwin Smith Professor of Astronomy at Cornell University in Ithaca, New York. He is principal investigator of the Mars Exploration Rover Mission (MER) (Wenonah).
Charles C. Stratton, served as Governor of New Jersey, former Member of Congress (Swedesboro).

HOME LOANS James Graff 732-500-MUTE
Advisors Mortgage Group, L.L.C. NMLS#33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America

Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM Fannie Mae Freddie Mac...

BUSINESS NEWS Stimulus checks unemployment unlikely 1st woman heads US b...

BUSINESS NEWS Stimulus checks unemployment unlikely, 1st woman heads US bank, FRAUD PPP, NIKOLA FRAUD etc.

NMLS#1974758 Get no hassle/obligation mortgage help: https://JGraff.AdvisorsMortgage.com/prequalify

732-500-MUTE

Stimulus: New checks & unemployment aid unlikely,
Jane Fraser 1st woman head major U.S. bank,
Fraud charges PPP loan program Josh Bellamy, NJ Attorney,
Fraud charges from Hindenburg Research & Justice Department investigation after NIKOLA IPO

HOME LOANS James Graff NMLS# 1974758
Advisors Mortgage Group, L.L.C. NMLS# 33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America:
AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV

Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac...

INCREDIBLE OPPORTUNITY Take advantage before it's over! HOME LOANS J Gra...

INCREDIBLE OPPORTUNITY Take advantage before it's over! 

HOME LOANS  James Graff NMLS#1974758      

Get no hassle/obligation mortgage help now:      http://JGraff.AdvisorsMortgage.com/prequalify      
Call/text: 732-500-MUTE     

THE FED'S CONFUSING MESSAGE     

You may have recently heard that the Fed announced that they think the Fed Funds Rate will remain at zero through at least 2023.   First and foremost, the Fed Funds Rate and Mortgage Rates are two totally different instruments.  The Fed Funds Rate can change from one day to another, but a Mortgage Rate may be in effect for over 30 years.   

 Mortgage Rates will be affected by inflation because inflation erodes the buying power of the fixed return that a mortgage holder receives.  And interestingly, the best way to combat inflation is by raising the Fed Funds Rate.  If inflation begins to rise, and there are already some signs of this, Mortgage Rates will start to climb in response.  All this can occur while the Fed Funds Rate is at zero.   

 If you would like to see an example of this, look no further then what transpired a few years ago when Mortgage Rates rose nearly 1%, while the Fed Funds Rate remained at zero. The current rate environment presents an incredible opportunity that should be taken advantage of. Contact me so I can help you benefit before things change. 

 HOME LOANS James Graff   NMLS# 1974758 
 Advisors Mortgage Group, L.L.C.   NMLS# 33041 
2899 Highway 35 North  Hazlet N.J. 07730 
In 34 states of The United States of America: 
AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV 

 Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac...

BUSINESS NEWS Tiffany Amazon TikTok AstraZeneca Nvidia Arm Snowflake Gilead Carrier Carnival Pepsi NMLS#1974758 James Graff 732-500-MUTE Get mortgage help: http://JGraff.AdvisorsMortgage.com/prequalify

BUSINESS NEWS Tiffany Amazon TikTok AstraZeneca Nvidia Arm Snowflake Gilead Carrier Carnival Pepsi NMLS#1974758 James Graff 732-500-MUTE Get mortgage help: http://JGraff.AdvisorsMortgage.com/prequalify

Gloucester county NJ $600 6mo cost of waiting on rates to buy median $216k home James Graff 732 500 MUTE

NMLS# 19734758

Get no hassle/obligation mortgage help:
http://JGraff.AdvisorsMortgage.com/prequalify

732-500-MUTE

Cost of waiting for rates to buy a home

If you’re shopping for a home today, you know it’s kind of hard work. You might not find something right away and it’s easy to get fatigued. Sometimes buyers get discouraged and say, “Let me take off a few months, maybe I’ll come back 6 months later.”

Here’s the thing: while you can take some time off, the market isn’t taking time off! And it’s hot right now in your area of Gloucester County, New Jersey. The forecasted appreciation is 0.3% in just the next 6 months; let’s quantify that.

A home worth $217,000 today (median price) would be worth $600 more in 6 months. Additionally, if you were planning on putting the same percent down, you would have to borrow more because the home is more expensive. And how about interest rates? Even though rates are at very attractive levels, does it make sense to wait for rates to go down further?

No, the monthly savings with a lower rate are nice but are dwarfed by the missed appreciation and amortization, and it would take many, many years to recoup what you would have lost. Should rates drop significantly, we can always refinance you in the future. Stick with it, keep shopping, and you will find something!

I’m James Graff and that’s this week’s Mortgage Minute.

Gloucester county N.J.

James Graff 732 500 MUTE NMLS# 1974758
Advisors Mortgage Group, L.L.C. NMLS# 33041
2899 Rte. 35, Hazlet N.J. 07730
In 34 states of The United States

Government
] As of 2020, Gloucester County's Freeholders are Freeholder Director Robert M. Damminger (D, West Deptford Township; 2021)] Deputy Freeholder Director Frank J. DiMarco (D, Deptford Township; 2022),[28] Lyman J. Barnes (D, Logan Township; 2020),[29] Daniel Christy (D, Washington Township; 2022),[30] Jim Jefferson (D, Woodbury; 2020),[31] Jim Lavender (D, Woolwich Township; 2021),[32] and Heather Simmons (D, Glassboro; 2020).

Pursuant to Article VII Section II of the New Jersey State Constitution, each county in New Jersey is required to have three elected administrative officials known as "constitutional officers." These officers are the County Clerk and County Surrogate (both elected for five-year terms of office) and the County Sheriff (elected for a three-year term).[35] Gloucester County's constitutional officers are: County Clerk James N. Hogan (D, Franklinville in Franklin Township; 5-year term ends 2022), Sheriff Carmel Morina (D, Greenwich Township; 3-year term ends 2021)] and Surrogate Giuseppe "Joe" Chila (D, Woolwich Township; 5-year term ends 2022).

The Gloucester County Prosecutor is Charles A. Fiore.[46]

Gloucester County is a part of Vicinage 15 of the New Jersey Superior Court (along with Cumberland and Salem counties), seated in Woodbury in Gloucester County; the Assignment Judge for the vicinage is Benjamin C. Telsey. The Gloucester County Courthouse is in Woodbury.[47]

Gloucester County is included in the 1st and 2nd Congressional Districts.[48][49] For the 116th United States Congress, New Jersey's First Congressional District is represented by Donald Norcross (D, Camden).[50][51] For the 116th United States Congress, New Jersey's Second Congressional District is represented by Jeff Van Drew (R, Dennis Township).[52]

The county is part of the 3rd, 4th and 5th Districts in the New Jersey Legislature.[53] For the 2018–2019 session (Senate, General Assembly), the 3rd Legislative District of the New Jersey Legislature is represented in the State Senate by Stephen M. Sweeney (D, West Deptford Township) and in the General Assembly by John J. Burzichelli (D, Paulsboro) and Adam Taliaferro (D, Woolwich Township).[54][55] For the 2018–2019 session (Senate, General Assembly), the 4th Legislative District of the New Jersey Legislature is represented in the State Senate by Fred H. Madden (D, Washington Township, Gloucester County) and in the General Assembly by Paul Moriarty (D, Washington Township, Gloucester County) and Gabriela Mosquera (D, Gloucester Township).[56][57] For the 2018–2019 session (Senate, General Assembly), the 5th Legislative District of the New Jersey Legislature is represented in the State Senate by Nilsa Cruz-Perez (D, Barrington) and in the General Assembly by Patricia Egan Jones (D, Barrington) and William Spearman (D, Camden).[58][59] Spearman took office in June 2018 following the resignation of Arthur Barclay.[60]

Notable people
See also: Category: People from Gloucester County, New Jersey
Corey Clement (born 1994), running back for the Philadelphia Eagles and Super Bowl Champion his rookie year in the NFL (Glassboro).[91]
Danielson is an American rock band from Clarksboro, that plays indie pop gospel music.
Seymour W. Duncan, is an American guitarist and guitar repairman and a co-founder of the Seymour Duncan Company (Paulsboro)
Linda Fiorentino, actress (Mantua Township).

Are you looking for a better lender? Advisors Mortgage Group, L.L.C. James Graff 732 500 MUTE NMLS# 1974758 Get no hassle/obligation mortgage help: http://JGraff.AdvisorsMortgage.com/prequalify

NMLS# 1974758
Get no hassle/obligation mortgage help:
http://JGraff.AdvisorsMortgage.com/prequalify

Home grown Monmouth County Company
Local Underwriting
Top Market Share in the County
Family Oriented Culture
Fannie Mae & Freddie Mac Direct Seller/Servicer
Specialising in Renovation Lending
Big Bank Capabilities without Big Bank Issues
Family Customers Community

HOME LOANS James Graff 732-500-MUTE NMLS# 1974758
Advisors Mortgage Group, L.L.C. NMLS#33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America

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Inflation Virus Strikes Fed (Part 2) John Mauldin Thoughts From Frontline James Graff 732 500 MUTE Advisors Mortgage Group, L.L.C. NMLS# 33041

John Mauldin: Inflation Virus Strikes Fed

PART 2

Ideas Have Consequences

"One Hell of a Dilemma"

The Unintended Consequences of Federal Reserve Policy

https://youtu.be/CpJLYkH7j1Q

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PLEASE NOTE The Fed announcements made some of this clearer and some of it moot:

According to MBS Highway:

"The Fed announced they will leave the federal funds rate unchanged as expected and don't see a change happening until after 2023.They will maintain an:

accommodative policy until their inflation target of 2% is reached.They elaborated slightly on their new"average inflation"methodology,saying that they would allow inflation to run moderately above 2% for "some time" so that inflation averages 2% over time...but they are still not very clear. While they said this, the projections from Fed members show that they don't see inflation reaching 2% till 2023.

Additionally, over coming months, the Federal Reserve will increase its holdings of Treasury securities and agency mortgage-backed securities at least at the current pace to sustain smooth market functioning,which we expected.

Here are the Fed's projections,by year,for the unemployment rate and Core PCE Inflation:

Unemployment Rate Projections:

2020:7.6%

2021.5.5%

2022:4.6%

2023:4%

Inflation Projections:

2020:1.5%

2021:1.7%

2022:1.8%

2023:2%

Our good friend, Peter Boockvar, shared "Also,if PCE ends up at 1.7-1.8% for the next few years, the CPl will be above that. So we might have years of 2%+ CPI numbers and the Fed won't want to raise rates. It would be the Arthur Burns experience alll over again."

John Mauldin:

"...you will find an overview, the statement itself, a marked guide highlighting changes since the last review (very handy), Powell’s Jackson Hole presentation, speeches by Vice Chair Richard Clarida and Governor Lael Brainard, and a bunch of background documents.

Why such elaborate explanation? Because the words don’t just explain the policy. The words are the policy. They do the work. The Fed wants us to believe 2% inflation is a worthy goal and that the Fed will make it happen. If we do, the Fed will have accomplished what it wants.

Price Instability

My friend Peter Boockvar may be one of the fastest thinkers I know. Every day, he digests the latest economic data and central bank statements and then issues a quick-take analysis,usually within an hour (and sometimes within minutes). I really don’t understand how he does this, but it’s quite useful.

So the very same morning the Fed announced this policy, Peter was out with a short but incisive essay on “The 10 Flaws of Inflation Symmetry.” Some excerpts:

Where inflation was in the past should have no bearing on where it should be allowed to go in the future. Is zero inflation one year and 4% the next the new definition of 'price stability'?

Letting inflation run above 2% for a period of time hurts the least able to afford it the most. In other words, LOWER real wages is a growth depressant.

There is nothing to equate low inflation with low growth and higher inflation with higher growth.

Longer term interest rates are not just going to sit there and let inflation run hot, they will tighten for the Fed. This would then hurt the housing sector and any over indebted company.

Peter starts where I would, with the glaring inconsistency between the Fed’s “price stability”statutory mandate and its official policy promoting the opposite. And that reducing real wages by raising living costs hurts most of the people the Fed supposedly serves.

But more important, Peter notes how this policy is self-defeating. If the Fed by keeping short-term rates low somehow gets inflation moving toward its goal, long-term rates will stillrise to reflect the greater inflation risk. This will raise mortgage rates, make it harder for companies to issue equity, and otherwise stifle economic growth.

Why anyone should want that outcome is unclear, but it’s where the Fed wants to take us..."

HOME LOANS James Graff 732-500-MUTE

Advisors Mortgage Group, L.L.C. NMLS#33041

2899 Highway 35 North Hazlet N.J. 07730

In 34 states of The United States of America

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Inflation Virus Strikes Fed (Part 1) John Mauldin Thoughts From Frontline James Graff 732 500 MUTE NMLS# 1974758 Words Are Policy, Price Instability, Ideas Have Consequences, "One Hell of a Dilemma", The Unintended Consequences of Federal Reserve Policy, Advisors Mortgage Group, LLC - MBS Highways

John Mauldin: Inflation Virus Strikes Fed PART 1 Words Are Policy Price Instability Ideas Have Consequences "One Hell of a Dilemma" The Unintended Consequences of Federal Reserve Policy

Inflation Virus Strikes Fed

One little-noted aspect of central bank policy is how rarely “policy” happens. Officials at the Federal Reserve and elsewhere long ago learned how to achieve their goals without actually doing anything. Creating perceptions is often enough to modify people’s behavior.

For instance, if traders simply believe the Fed will intervene should interest rates go above or below a certain level, rates probably won’t breach that level, or even get close to it. No one wants to make the Fed pull its trigger. This is why central banks are so obsessed with“credibility.” They don’t want to actually use their monetary firepower, and they don’t need to use it as long as financial markets respect it. Their most-used weapons are just words.

We saw another example in late August when the Fed unveiled changes to long term monetary policy strategy. Among other things, they now say they will let in􀁼ation “run hot”for extended periods in order to achieve a 2% long-term average. Reasonable minds can differ on whether that’s a good idea, or whether the Fed can actually do it. But the Fed certainly wants us to
believe its new plan. We know this from the enormous effort placed on communicating it.

The problem is that one person’s “policy” is another person’s unintended consequences

.Today I want to argue that the unintended consequences from recent Fed “policy” changes,not to mention those initiated in prior decades, have been at the very epicenter of some of the national problems we have. The Fed would vigorously deny this course, but the results are plain for all to see.
We’ll begin with how some of my trusted sources view this Fed move. But first, I’ll let the Fed speak for itself.

Words Are Policy

You may have noticed a pattern recently. Jerome Powell’s speeches and media interviews usually coincide with some kind of signi􀁻cant policy move. I’m sure Powell gets all kinds of invitations. Not by accident, he accepts those he finds useful.
And sure enough, shortly after the Fed revealed its latest change, Powell was online to explain/defend it via his pre-arranged Jackson Hole virtual address.

Here is what the Fed itself characterized in a
press release

(https://www.federalreserve.gov/newsevents/pressreleases/monetary20200827a.htm)

as “the more significant changes.”
On maximum employment, the FOMC emphasized that maximum employment is a broad-based and inclusive goal and reports that its policy decision will be informed by its"assessments of the
shortfalls of employment from its maximum level." The original
document referred to "

deviations

from its maximum level." [One small word, so much meaning.]
On price stability, the FOMC adjusted its strategy for achieving its longer-run inflation goal of2 percent by noting that it "seeks to achieve inflation that averages 2 percent over time." To this end, the revised statement states that "following periods when inflation has been running persistently below 2 percent, appropriate monetary policy will likely aim to achieve inflation moderately above 2 percent for some time." [We’re going to have to unpack these words carefully. It’s hard to even begin with the variety of potential for negative unintended consequences in these innocuous words.]
The updates to the strategy statement explicitly acknowledge the challenges for monetary policy posed by a persistently low interest rate environment. Here in the United States and around the world, monetary policy interest rates are more likely to be constrained by their effective lower-bound than in the past. [Am I the only one who is confused? They feel challenges from monetary policy caused by low rates that they have in fact engineered. It’s kind of like saying that adding water to gasoline poses challenges for the proper operation of your automobile.]

We’ll get into what all that means below. For now, savor the irony of a central bank explicitly admitting it “seeks to achieve inflation” at all, never mind the level. Central banks once sought to
stop inflation, not achieve it. Now generating it is the goal. Congress, which created the Fed, mandates that it create “stable prices.” In a kind of Orwellian twisting of language, the Fed now interprets the mandate to mean 2% inflation. That means the value of your dollar loses about half its purchasing power every 36 years.
At a minimum.
As we willsee, it can get worse.
No doubt aware of this, the Fed went to great lengths to explain itself.

Linked here
(https://www.federalreserve.gov/monetarypolicy/review-of-monetary-policy-strategytools-
and-communications.htm)

CONTINUED...PART 2



HOME LOANS James Graff 732-500-MUTE NMLS# 1974758
Advisors Mortgage Group, L.L.C. NMLS# 33041
2899 Highway 35 North Hazlet N.J. 07730
In 34 states of The United States of America