Angelica’s restaurant located on Ocean Avenue in Sea Bright is a hidden gem. Dining here at Angelica’s is like heaven and you are treated like royalty. The food is cooked to perfection and delicious with its homemade flare. Italian music plays in the background and the tables are spacious so you do not feel cramped or rushed. The timing between courses is not rushed and the waiters are courteous and pleasant. You can bring your own wine which is nice.

The specials are great and what a variety – a little bit of everything is offered from fresh grilled seafood to grilled fillet mignon and rack of lamb . The ambience and feeling of being catered to permeates the room. Located in the heart of Sea Bright this little Italian restaurant is a must place to visit.

Up and down Ocean Avenue in Sea Bright you will find pizza, ice cream, antiques, liquor store, real estate office, and, of course, the ocean beach right across the street. More and more businesses are moving into Sea Bright and some people call it the next Spring Lake. Prices are still low for rent and to buy real estate, but don’t wait too long before you get your little piece of heaven right here – only 50 minutes from the “Big Apple”. Oh, did I mention that we have ferry service to and from Manhattan at at least three seaports. Yes, this is a great advantage ’cause you can be at the beach in the morning and in the city by evening.

Come and visit and see for yourself all that Sea Bright has to offer.

Anjelica’s Restaurant
1070 Ocean Avenue
Sea Bright, NJ 07760-4102
(732) 842-2800

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Mortgage interest rates are still at an all time low – below 5% for a 30 year fixed rate mortgage. News from the desk of Edward Lepore of Wells Fargo Home Mortgage Division, ….the National Association of Realtors stated that one of the effects of the economic downturn has been the growing share of first time homebuyers entering the market place. In 2009, the number of first time homebuyers increased to 47 percent of all home sales, which was the highest percentage on record since 1981!!

Mortgage rates are approximately*:
30 year fixed – 4.25%
15 year fixed – 3.625%
05 year ARM – 3.125%
07 year ARM – 3.375%
*rates change daily

Edward Lepore has been working for the past 30 years to help ordinary people achieve the “american dream of home ownership”. Contact Ed for complete details of today’s mortgage rates and qualification criteria.

Tel (732) 933-5652 | Cell 732-500-6764 | Fax 866-493-8593

EDWARD.LEPORE@wellsfargo.com

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Chase has stepped up and is reaching out to homeowners and offering loan modifications to qualified applicants. Chase has set up Home Loan Centers throughout the country to talk to homeowners face to face. Bringing all your documents and meeting with a Chase loan representative is the smartest idea ever in this economy. What better way for a homeowner in distress than to meet one on one and get the facts first hand. If questions come up they can be answered immediately, if documents are missing it is known on the spot. So much time is saved by completing a home loan modification application in the presence of a loan officer, especially if questions need to be answered.

Banks are looking to save borrowers from losing their homes because if the homeowner leaves the banks lose too. If you are falling behind in your payments and need assistance do not hesitate to contact your lender. Be persistent and tell them your story, they will listen. There are homeowner counselors available even outside your lending institution. Call your lender and tell them you want to do a work out or need some assistance to keep your home.

Foreclosure mediation is another avenue that can be taken if all else fails. The courts are holding foreclosure mediation sessions and the lender must appear and try to do a work out plan with the borrower. Loan modifications can be worked out but you must qualify with your income and debt ratio. Filing bankruptcy is an option whereby you can eliminate your debt and still save your home. Remember everything is based on your qualifications and the lenders guidelines. But, do try.

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