Theresa "Tracy" Gibson ~ Monmouth County, NJ

Free Credit Reports are available from each of the three reporting bureaus for Monmouth County NJ and all New Jersey Residents once every 12 months.

I had a client call me today who wants to do a refinance and wanted to take look at his credit report before starting the process. I remembered that New Jersey mandates our access once per year and went looking for the site to send him to. So, I decided to share it here for everyone.

Get your free annual credit report. it is truely free, not a commercial service with a trial period. This site was set up by the big three credit bureaus as a central location. Don't miss the Frequently Asked Questions page which is very informative.

Access to a free report every 12 months is also available to other states listed on the site.

If you need information on credit issues involving your mortgage, please visit http://www.MonmouthSFI.com. I am sponsoring this site to help inform the public of their options.

In today's economic climate, it is important to be armed with the knowledge that a Free Credit Report can provide for Monmouth County NJ Residents.

It is distressing to know that many people facing foreclosure in Monmouth County NJ, haven't the slightest idea what their options are. I am determined to help spread the word to help the public to be informed.

Many people don't know where to turn for help or information. They don't know who to trust. They have choices, they may be eligible for more than one solution, they need to be inpowered with knowledge and the resources and people that they can trust to help them.

Here are the options when facing foreclosure:

Option #1: Do nothing and the lender forecloses on the house.

Option #2: Deed-In-Lieu of Foreclosure.

Option #3: Loan Modification to reduce your mortgage payment.

Option #4: Reinstatement.

Option #5: Get a New Loan and pay off your old loan.

Option #6: Sell the property.

Option #7: Rent the property.

Option #8: Bankruptcy.

Option #9: Short Sale.

To get much more detailed information on the options when facing foreclosure in Monmouth County NJ (New Jersey). Visit MonmouthSFI.com

I recently had the pleasure of showing Oceanfront Condos in Long Branch New Jersey. There are a number of lovely complexes and some of the units are very attractively priced.

For example, did you know that you can have your own oceanfront retreat for under $300,000. There are two units available for sale with oceanviews in The Anchorage and one in Beach House. And there is even one in The Imperial House. These are all one bedroom units.

For more space you might like the a two or three bedroom units. These range in price from $290,000 to $849,900 and are located in:

Grand Resorts
Harbour Mansion
Imperial House
Ocean Cove
Ocean Point
Ocean Villas
Presidential
Renaissance
Sea Winds
The Sandcastle

So stop just dreaming about your beach retreat at the New Jersey Shore and go for it.

Here is some info on Long Branch from Wikipedia. While in Long Branch visit Pier Village with great shops and restaurants.

Great views, walks on the beach, with your home base being an Oceanfront Condos in Long Branch, New Jersey.

For details on the available condos in your price range please contact me.