Quakertown, PA

Kringle Shoppe is returning to the quaint village of Applebachsville in 2009!

WHERE: Bucks County Latvian Church 1142 Apple Road Quakertown, PA

Friday, December 4, 2009 1:00 PM- 8:00 PM
Saturday, December 5, 2009 10:00 AM- 4:30PM
Sunday, December 6, 2009 12:30 PM - 4:30 PM

The hall is transformed into a spectacular array of unique fine art, music, literature, sculpture, handwork, home décor and fabulous baked goods, ALL 100% made to sell by talented residents of Haycock and the contiguous townships.

Paintings, Pottery, Jewelry, Photography, Blown Glass, Candles, & Many More Unique Hand Crafted Items.

Carriage Rides Thru Applebachsville With Belgian Horse On Saturday 10:00-2:00 & Sunday 1:00- 4:00.

Listen To Music. Buy Books About Haycock. You Can Find More Info at Haycock Historical Society

One Of The Hardest Things About This Economy Is Paying The Bills. For Most People The Biggest Bill Is Your Mortgage. No Matter How Hard You May Try It May Be Impossible To Pay. This Will Leave Most People Stressed Out And Left Not Knowing What To Do. Here Are Some Options That May Be Helpful To Bring You Some Answers That Are Much Needed. Not Everyone Is What You May Want To Hear But Think About Your Future. Sometimes The Changes You Make Now Will Make The Future Look Brighter.

SHORT SALES: If You Know or Find Out Your Home Is Not Worth What You Owe On Your Mortgage Your Best Option Is To Do A Short Sale If You Need To Sell. Listen To Your Real Estate Agent About Pricing. The Closer You Are To Your Market Value The Better Chances Of An Offer. Make Sure You Or Your Real Estate Agents Gets The Paperwork For The Short Sale From Your Lender(s). The Short Sale Paperwork Is Questions On Why You Can No Longer Afford Your Loan. You Must Provide A Hardship Letter And Documentation On Income, Debits, & Assets. Once You Get An Offer The Bank Will Need To Approve It. You Will Still Be Able To Negotiate With The Buyer But The Bank Will Have Final Approval. The Bank May Also Counter The Offer.

LOAN MODIFICATION:What If You Were Out Of Work For Awhile But Have A New Job Now With Either Less Pay or While You Were Out Of Work You Got Behind On Your Payments? A Loan Modification Or A Refinance May Be What You Need. Whether You Had An ARM - Adjustable Rate Mortgage or Your Can't Afford Your Current Payment You May Qualify. Your Lender Will Send Out Paperwork Which Is Very Similar To The Short Sale Package. They Will Review What You Have Based On Income and Will Also Check Your Outstanding Debits Thru Your Credit Report. The Can Make Adjustments To Your Loan Amount. You Will Have A 3 Month Trial Period To Make Sure Your Payments Are On Time. Here is a Website That May Help You Understand More About Loan Modifications.

FORECLOSURE: In Pennsylvania, The Lender Must Send A Notice Of Intent To Foreclose Before Any Foreclosure Proceedings May Begin. The Notice Should Not Be Sent Until The Borrower Is At Least 60 Days Behind In Their Mortgage Payments. In The Notice, The Lender Must Make The Borrower Aware That His Or Her Mortgage Is In Default. This Notice Is Called An Act 91 Letter. Homes Are Sold By Sheriffs' Sale. If No One Bids At The Auction The Bank Will End Up Owning The Property. There is No Right Of Redemption Period In Pennsylvania.

Now That You Understand Your Options Please Feel Free To Call Marcie Purcell 215-534-2539 and Linda Tremblay 215-534-2369 with Long and Foster Real Estate, Inc. We Can Provide You With More Knowledge To Make Sure You Choose The Best Options For You!