Saturday, September 10, 2011
losing my mind!
working 12 days straight. I'm tired and it's getting hard trying to keep everybody happy.
Tuesday, June 7, 2011
Dieting Dieting Dieting
Okay, I am back on this damn demonade diet again. I attempted to start this yesterday but, i ended up standing in line at McDonalds ordering a cheeseburger and medium fry. So, I got up this morning feeling pretty good and thought to give this another shot. So far so good. It is 10:58 a.m. and I am working on my 2nd 22 oz. cup of lemonade. We shall see. My dear friend, Glynnis Beckwith please post your progress. lol
Saturday, February 5, 2011
Don't Pay for a Promise
Okay, I had a customer call me inquiring about a loan modification. She explained to me that she have been paying an outside party to deal directly with the bank. She is unfortunately out of $1,200.
DO NOT PAY ANY BUSINESS, ORGANIZATION, OR PERSON TO PREVENT FORECLOSURE OR GET YOU A NEW MORTGAGE.
These so-called "foreclosure rescue companies" claim they can help save your home, but they're out to make a quick buck. Some may request hefty fees in advance - and then stop returning your calls. Others may string you along before disclosing their charges. Cut off all dealings if someone insists on a fee.
Some scammers offer to handle financial arrangements for you, but then just pocket your payment. SEND YOUR MORTGAGE PAYMENTS ONLY TO YOUR MORTGAGE SERVICER.
Now, I admit that the modification process can be very lengthy taking up to a year or more. But, the wait is well worth it. So, if you are currently going through this process or even thinking about it, the advice I would give to you is be patient.
Good Luck
DO NOT PAY ANY BUSINESS, ORGANIZATION, OR PERSON TO PREVENT FORECLOSURE OR GET YOU A NEW MORTGAGE.
These so-called "foreclosure rescue companies" claim they can help save your home, but they're out to make a quick buck. Some may request hefty fees in advance - and then stop returning your calls. Others may string you along before disclosing their charges. Cut off all dealings if someone insists on a fee.
Some scammers offer to handle financial arrangements for you, but then just pocket your payment. SEND YOUR MORTGAGE PAYMENTS ONLY TO YOUR MORTGAGE SERVICER.
Now, I admit that the modification process can be very lengthy taking up to a year or more. But, the wait is well worth it. So, if you are currently going through this process or even thinking about it, the advice I would give to you is be patient.
Good Luck
Wednesday, January 19, 2011
Just a though
If your light don't go off by the time you reach the age of 30, you might want to check your bulb. ~aunt pat~
Friday, January 14, 2011
Love you Daddy!
My Dad lost his very short battle with lung cancer yesterday. My Mom told me something today... She said "When we are born we ARE going to die. What matters most is how you live your life in between" R.I.P. Daddy. I love you
Thursday, December 23, 2010
Lately I've been asked by a few people to assist them with writting a hardship letter. Here is an example...
A financial hardship letter for mortgage companies or banks is a letter you send to your financial institution explaining why you are no longer able to make the payments on your house and indicate exactly what happened to cause your payments to fall behind.
Sample Seller’s Hardship Letter
To Whom It May Concern:
This is a very difficult thing to write. I have always been able to pay my debts in the past and am truly sorry that I cannot do so now.
I lost my job as a manager for a large home improvement company. I have been unemployedfor six months. I have been receiving unemployment benefits. However, my unemploymentcheck replaces about one quarter of my previous income. My wife is a stay‐at‐home momresponsible for our four children. Wehave both been looking for employment. We haveexhausted our savings. Our credit cards are maxed out and we are in the process of filing for divorce.
We can no longer afford to make the $1,800 monthly mortgage payment on our home. We arecurrently five months behind and see no way to make up the $9,000 in back payments. Our realestate taxes are also due and we have no way to pay those either.
We have agreed to sell our property for $375,000. It has been on the market for over 60 daysand this is the only offer we have received. We want to avoid a foreclosure sale that will further damage our credit. We respectfully request that you consider this offer and work with our agent to negotiate a short‐sale transaction.
We have exhausted all of our options and the only next step is letting the property go to foreclosure.
Sincerely,
Daniel and Sandy Smith
Sample Seller’s Hardship Letter
To Whom It May Concern:
This is a very difficult thing to write. I have always been able to pay my debts in the past and am truly sorry that I cannot do so now.
I lost my job as a manager for a large home improvement company. I have been unemployedfor six months. I have been receiving unemployment benefits. However, my unemploymentcheck replaces about one quarter of my previous income. My wife is a stay‐at‐home momresponsible for our four children. Wehave both been looking for employment. We haveexhausted our savings. Our credit cards are maxed out and we are in the process of filing for divorce.
We can no longer afford to make the $1,800 monthly mortgage payment on our home. We arecurrently five months behind and see no way to make up the $9,000 in back payments. Our realestate taxes are also due and we have no way to pay those either.
We have agreed to sell our property for $375,000. It has been on the market for over 60 daysand this is the only offer we have received. We want to avoid a foreclosure sale that will further damage our credit. We respectfully request that you consider this offer and work with our agent to negotiate a short‐sale transaction.
We have exhausted all of our options and the only next step is letting the property go to foreclosure.
Sincerely,
Daniel and Sandy Smith
Tuesday, December 21, 2010
SAME ALERT!
Scam Alert
Callers Attempting to Obtain Social Security Numbers
Some RAR Members have reported receiving suspicious phone calls claiming that they have missed their scheduled jury duty. As a result, it is then requested that the member provide their social security number. Please be aware of this scam and be advised that you should never provide your social security number to any individuals that you do not know.
Callers Attempting to Obtain Social Security Numbers
Some RAR Members have reported receiving suspicious phone calls claiming that they have missed their scheduled jury duty. As a result, it is then requested that the member provide their social security number. Please be aware of this scam and be advised that you should never provide your social security number to any individuals that you do not know.
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