About Elkhart County, IN

The first thing you should do if you are behind in your mortgage payment, is, call your Mortgage Lender and ask for their help, says Elkhart REALTOR Evelyn Johnston with Prudential One Realty. Your Mortgage Lender does not want your home back, they are in the business to loan money, and accept deposits.

Give your Mortgage Lender the opportunity to modify your loan, if possible, and stay in the home. Do not move out! Once you leave the home the Mortgage Lender can accelerate the foreclosure process and take possession of the home, when there may have been a chance for you to keep it.

If you have concerns about your situation, call a government approved counselor like La Casa Goshen, they are a non profit agency who is paid with grant money based on the number of homeowners they help in the community. For Real Estate questions, call your Elkhart Real Estate Expert Evelyn Johnston at 574-304-7148.

To continue with our list of 70 something ways to lose your home, I will list items 41 to 60. To go back and beging at the first posting of 70 something ways to lose your home part 1, click here.

41. Undisclosed but recorded option, or right of first refusal, to purchase property.oven

42. Undisclosed but recorded covenants or restrictions, with (or without) rights of reverter.

43. Undisclosed but recorded easements (for utilities, access, drainage, airspace, views) benefiting neighboring land.

44. Undiscloes but recorded boundry, party wall or setback agreements

45. Errors in tax records (mailing tax bill to wrong party resulting in tax sale, or crediting payment to wrong property).

46. Erroneous release of tax or assessment liens, which are later reinstated to the tax rolls.

47. Erroneous reports furnished by tax officiaqls (not binding local government).

48. Special assessments which become liens upon passage of a law or ordinance, but before recorded notice or commencement. of improvements for which assessment is made.

49. Adverse claim of vendor's lien.

50. Adverse claim of equitable lien.

If you have any questions about the title to your property, call Scott York at Metropolitan Title at 574-293-9111. If you have questions related to real estate, call your local Elkhart Real Estate Expert Evelyn Johnston with Prudential One Realty at 574-304-7148.

The Elkhart Fall Home Show held at the RV/Motorhome Hall of Fame in Elkhart was small but cozy when compared to the Spring Show. However, it left time to talk to the different building related companies that displayed their products and services.

Garden Homes out of South Bend, Indianaadded to their standard, a higher commitment to living green. Today's home buyers want to lower their energy bills and live in healthier homes. Garden Homes is now certified by the NAHB (National Home Builders Association) National Green Building Program, which has a flexible green rating system to fit their budgets. For green home building that's workable, authentic and affordable, go to www.nahbgreen.org.

Also according to their literature, it's hard to go for 24 hours these days without hearing something about green - green lifestyles, green products, and green buildings. So what does it mean to build a green house? To homeowners, green means a water-conserving, more durable, healthier, and more energy-efficient home. to planet Earth, green buildings mean much more. According to the Environmental Protection Agency (EPA), buildings are responsible for:

• 39% of total energy use
• 12% of total water consumption
• 68% of total electricity consumption
• 38% of carbon dioxide emissions

By adopting green building strategies to reduce these numbers, we can maximize both economic and environmental performance. For more information about making your next home "green" call Tim Schrock at Garden Homes, Inc at 574-532-8344. For more information about Real Estate, Call Elkhart Real Estate Expert Evelyn Johnston with Prudential One Realty at 574-304-7148.

Items 31 to 40 coming up! To learn the first 30 items of 70 something ways to lose your home, part one, click here. Here we go:

31. In affective release of prior satisfaction of mortgage due to bankruptcy or creditor prior to recording of release (avoiding powers in bankruptcy)

32. In affective release of prior mortgage or lien, as fraudulently obtained by predecessor in title.

33. Disputed release of prior mortgage or lien, as given as mistake or misunderstanding

34. In affective subordination agreement, causing junior lien to be reinstated to priority

35. Deed recorded but not properly indexed so as to be locatable in the land records

36. Undisclosed but recorded State or Federal Tax Lien

37. Undisclosed but recorded judgment or Spousal/Child Support Lien

38. Undisclosed but recorded prior mortgage

39. Undisclosed but recorded notice of pending law suit affecting land

40. Undisclosed but recorded environmental lien

The list continues to bring to the front how easily someone can lose their property without the proper and expert care of a Title Insurance Company such as Metropolitan Title. Call Scott York at 574-293-9111 with any questions you may have. For Real Estate questions, call Elkhart Real Estate Expert Evelyn Johnston with Prudential One Realty at 574-304-7148.

Looking at a brochure and seeing the real thing are two different subjects. Photo's can be touched up, but seeing and touching the cabnetry is a delight to the eyes! Ayr Custom Cabinetry is truly breath taking mastery in cabnet finishing.

Ayr's commitment to crafting quality cabinets began in the 1960's according to their brochure, when David Miller started spending evenings making cabinets in his garage. Then, in 1965, he expanded his work by renting a small building and turning his after-work hobby into a full fledged business. it was a risky move, relying on the skill of his hands to support his wife and child.

In the last 35 years, this small dream, known as the Ayr Cabinet Company, has expanded to become one of America's leading custom cabinet manufacturers. Though the company's growth has been substantial, it hasn't lost its small-town way of doing business. Even a casual observer can recognize the friendly attitude and helpful service that makes working with this company a pleasure.

The Ayr Cabinet Company is based in Nappanee, Indiana, where a showroom and factory sit on the 60 acres that once was the Miller family farm. The tradition of craftsmanship is carried on by Ayr's talented staff of woodworkers and designers, who create custome cabinetry to suit each individual customer with the skill and attention to detail that have been the hallmarks of this company.

For more information on Ayr Custom Cabinetry call Mark Grove at 574-773-7973, extension 225. For questions on Real Estate, call Elkhart Real Estate Expert Evelyn Johnston with Prudential One Realty at 574-304-7148.