Thanks Larry, but more thanks to the BH members that have given us the opportunity to be their mortgage lender.

As Sean mentioned, Rob Kaiser is handling all inquiries from the Barnegat Fishing Hole and their families. He can be reached at 908-203-8680, ext 268 or emailed at rkaiser@firsthallmark.com

In addition to donating $100 to the reef fund in the name of the BH member, we are also waiving our $449 application fee. Rates are still at historic lows, and Rob will answer any question that you may have regarding your mortgage financing.

Larry, I should be sending another $300 check in early February. Let's get this reef fund rolling.....

Thanks again.

JT