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If you don't mind working with a realtor who works harder than most.
GOAL 2010
.... to continue to help potential buyers see their goals of affordable home ownership and sellers the ability to sell their homes by making them stand out from the 'pack'.
By knowing what each buyer and seller segment needs, you will work with a skilled agent who can help you reach your goals....Me.
I encourage you you contact me with any questions you have to get you up to speed with the current area market and to get you home in 2010! I look forward to working with you to achieve your dreams!
* Check out the new tab at the top of this page "About Diane". Some facts that you may not know about me and my business....but are there if you ever need them. *
For the Do It Yourselfer In You:
Great Sites to visit to pick up tips of the trade.
www.diynetwork.com
www.hgtv.com
www.thisoldhouse.com
www.AETV.com
www.HGTV.com
www.homedepot.com
www.Lowes.com They have great programs for Buyers and Sellers, sell or buy through me and I will make sure that you get the benefits.
www.houselogic.com This newly launched site is a wonderful resource for homeowners. Log on and take a tour. Tips and tricks for installing a dishwasher to managing your household and your finances. They will not sell your information to other entities. Check it out!
Visit www.hometownone.com to view the Economic Stimulus Plan (upper right hand corner of the site).
Information on home buyer Tax Credits and Affordability Stability package are there for your reading pleasure.
Always keeping you updated
IMPORTANT FORECLOSURE INFO:
Daily I get a phone calls from homeowners in mortgage trouble. Most of them do not know what Foreclosure really means. They are not understanding the letter they have been sent by their lender and the termonology that is being used.
I found this Foreclosure Timeline courtsey of Redford Township and would like to pass it onto you;
First Month Missed Payment: The first month your payment is missed, your mortgage company is likely to contact you by mail and or telephone to inform you of your delinquent status. A late charge is assessed on the missed payment.
Second Month Missed Payment: The second month you payment is missed, your mortgage company is likely to begin calling the contact numbers they have for you in order to discuss why you have not made payment. It is important that you do not avoid their calls. Try to stay calm on the phone and explain your situation to them and what you are trying to do to resolv it. You still may be able to make one payment at this time to prevent yourself from falling three months delinquent.
Third Missed Monthly Payment: At this point you are likely to receive a letter from the mortgage company stating the amount you are delinquest and that you have 30 days to bring it current. This is called a "Demend Letter" or "Notice to Accelerate". If you do not pay the specified amount or make some form of arrangement by the date given, they are allowed at that time to refer you to Foreclosure or Accelerate your mortgage. They are unlikely to accept less than the total due without prior arangements if you have received this letter. Foreclosure/Acceleration means that they forward your account to their attorneys. You still have time to work something out with the mortgage company.
Fourth Month Missed Payment: Now you are nearing the end of the time allowed in your Demand Letter or Notice to Accelerate. If this expires and you have not paid the full amount or worked out arrangements, then you will be refered to their attorneys. At this time, you incur all attorney fees as part of your delinquency.
The attorney then schedules a Sheriff's Sale, which is the actual date of foreclosure. The Sheriff;s Sale will be scheduled for approximately six weeks after the attorney receives your file. You will ne notified of this date by mail, along with a notice taped to your door. This is NOT an eviction or a move-out date.
The attorney publishes Notice of Foreclosure over four successive weeks in the local legal news. After the first insertion on your property is published in the legal news, you have 4 weeks until the Sheriff's Sale! CONTACT YOUR LENDER NOW!
Sheriff's Sale: You have up until the date of the Sheriff's Sale to work out payment arrangements with the mortgage company or to pay the total amount owed (reinstatement amount). At the Sheriff's Sale, your house will be sold. An outside party may bid on your home. If no bids are received, the house goes back to the lender (mortgage company).
Redemption Period: If nothing is done to resolve the situation and the Sheriff's Sale is completed, then you enter the Redemption Period. The Redemption Period starts from the date of the Sheriff's Sale. State Law requires that this period is not less than 30 days and no more than one year. Most mortages allow the homeowner 6 months to redeem property with the lender/bidder, paying the amount owed plus interest and fees. If property is over 3 acres, you may have a 12 month redemption period. You will be notified of your time frame on the same notice that states your Sheriff Sale date. This is the time frame that you can still live in your home.
End of Redemption Period: If the homeowner has not redeemed the property, hownership is transfered to the lender or bidder. If the homeowner has not left the home, the new owner begins the eviction process. An eviction hearing is held within two weeks, followed by a 10 day grace period for the former homeowner to vacate the premises.
When the grace period ends, eviction is certified. Court bailiffs are notified and will then empty the premises
The minute you settle for less than you deserve, you get even less than you settled for. -Maureen David
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