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Buying or Selling a Home/Help Please!
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Question
"Hello,
I have lived in a home for 20 years, we refinanced a couple times. My brother and myself were caregivers for my Elderly Father. My brother passed away on 2/3/09 then my Father passed on 3/5/09. I am 50 on disability and unfortunately, cannot afford our 1150.00 mortgage by myself. I receive 1054.00 on SSI disability. I am currently only one month behind, and I believe that I am not upside down on the loan. Any ideas on how I could posssibly save my home? All suggestions would be appreciated. Regards-Skyler"
SEE ADD-ON BELOW ORIGINAL ANSWER!
Hi SKYLER--
I found this in the QUESTION POOL, and then found that you'd sent this same question to about 8 of us "Real Estate Experts." I read some of the answers, all were good suggestions! But MINE was BEST!
You need to quit writing e-mails to us and TAKE ACTION or your going to lose that house.
If you've already stated the process of "Avoiding Foreclosure" as I outlined, GOOD!
I'll resend my previous response to you.
--JIM ROOT
ADD-ON:
Asking more than one of us was a good idea. And yes, you gave me a good rating--BUT that's not what's important to me. Have our suggestions paid off? Are you able to save the house? I hope so! Please let me know how you're doing on this. You can reach me direct by sending e-mail to me at: real-t-pro@comcast.net
JIM ROOT
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Yes, of course I asked as many experts as I could? I hoped I gave you a good rating...as you said all the info was valid...Thanks again...Skyler | ||
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Answers by Expert:
- Dick Dennis
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Jim Root
Expertise
How to select the right Real Estate Salesperson & Loan Officer--ones who will serve your best interests! House-hunting tips & suggestions on selection of the home best for your family needs. Introduction to the Home Buying Process & all the "Players" involved.What is of utmost important to the Homebuyer? Real Estate Contracts & Negotiations, Appraisal needs, Title Co. involvement, Home Inspection issues& the Closing/Escrow systems, etc. Whatever your question, the answer will follow, whether from personal knowledge or research! Gale, shown here with me, has been a Real Estate Office Administrator, licensed Realtor & has served as my Research Assistant over the years!
Experience
Over 30 years as a "Real Estate Professional." including Real Estate Marketing & Sales, Appraisal work, Mortgage Banking & as a Realty Officer with U.S Dept. of HUD's FHA Homeownership Division in Alaska, Washington & Idaho! Some experience in Montana, California, Utah & Nevada markets!Knowledge of National Markets by continuous Research!
Organizations
Former member of Nat'l Ass'n of Realtors (NAR) & Mortgage Bankers Ass'n of America (MBAA). Currently with National Association of Review Appraisers & Mortgage Underwriters (NARA/MU).
Publications
Published in various local, state, regional & national Real Estate-related magazines & newsletters!Co-author of various Govt. publications on Homeownership, Appraisals & Mortgages while with HUD/FHA.
Education/Credentials
Associate Degree in Real Estate Studies plus:
Numerous Real Estate-related Courses conducted by the U. S. Government & Private Industry over the past 30 years.
Bachelors Degree in Mass Communications,
Masters Degree in Education/Teaching
Awards and Honors
Professional Designations: Certified Residential Originator (CRO) from MBAA, Registered Mortgage Underwiter (RMU) & Certified Review Appraiser (CRA) from NARA/MU. Outstanding Peformance Awards for 10 of the 12 years with HUD/FHA & numerous Sales/Listing Awards while a licensed Real Estate Agent.
Past/Present Clients
No longer selling/listing Real Estate, nor Appraising properties, nor working in the Mortgage business, this "Real Estate Pro" serves as Director of a Company that provides Professional Development Seminars & Workshops to the "Real Estate Industry" and provides free (as needed) & fee-paid (on a sliding scale) consulting & inspection services to members of the general public.Your questions will be answered without "salesmanship" & with your best interests in mind!
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