Home Retention Consultant
What is an HRC?
As a Home Retention Consultant I am trained and employed to speak with folks who have fallen behind in their mortgage payments. My primary goal is to help them keep their home.
It is a very private meeting with myself and the homeowner. We go over your financials, discuss your options and help put you back in touch with the lender. The last thing the lender wants is your home.
They WILL take it if you do nothing.
This recession has affected all levels of our economy and social structure. I have helped folks in $50,000 homes and $1,900,000 homes. You are not alone and please don't beat yourself up mentally. This problem is bigger then all of us.
If you or someone you know needs my help in this difficult time, PLEASE, use the contact information below and use the code HRC in the Subject Line. My objective is to help you keep your house. There is no charge and it is confidential.
Best Regards,
Greg
I recieved a call to action request late yesterday from the National Association of REALTORS asking that I support the Emergency Bailout. I couldn't do it. It is the first time in memory that I didn't jump at the opportunity. I am asking you not to click the call to action link.
This "emergency" has been going on for about 12 days now. The earth hasn't stopped spinning, the government hasn't ceased to legislate, it will be alright! Sure we're going to tighten up on credit. There will probably be a little less under the Christmas tree this year and you may not be able to continue to live on credit cards and future promises for a while after this period. But it will be alright.
As each day passes and cooler heads prevail this emergency is understood more. Wall Street experts are beginning to come out and denounce the plan.
In an interview with CNBC, Jim Rodgers, CEO of Rodgers Holdings said "History shows these plans don't work. What does work is to let the market clean itself out,"
Retailers have already begun to change their startegy by increasing inventories earlier then planned and reducing prices on select items to entice consumers to buy from their chains. This one example shows how quickly a free market can work. The governmet is still trying to figure this mess out while the private sector is already in action mode. Walmart will make money this year. It will pay its employees, who will buy their consumer goods, and the economy will continue.
Not many of those employees are in fear of losing thousands in the stock market. They already understand hard times and unaffordable housing. They more then likely will be the least affected by this downturn. They are proof that you won't die if you don't have a credit line.
Will it be hard for a short time? YES. Will credit be tougher to obtain? YES. Will we recover faster? YES. Will America and the world economy be better for it when all is done and said. DEFINITELY!
I urge you to write your congressman and senators and say thanks but no thanks to the bailout.
I for one am tired of bailing out the good old boys everytime they screw up. If you didn't know Secretary Of The Treasury Paulson was the CEO of Goldman Sachs. Is there any conflict of interest here? How much pressure is he under to bailout his old buddies. Educate yourself and learn the facts. If passed this bailout will help them more then oit will you.
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THUD!
The Sound of the Bottom of the Housing Market!
With the takeover of Fannie Mae & Freddie Mac by the Feds I would say we have seen the bottom of the market.
We are now in a recovery period. Interest rates will decrease (Today 5.625 fixed no points), Home prices will begin to increase.
How long is the recovery period?
I have no idea. A year or so? I do know that home prices won't be going down. Smart buyers will take advantage of the lower rates during the 4th quarter. All bets are off after the new year when a new administration will have control over this federal program.
Buy now while both parties are sure to pander to the electorate in the hope of gaining votes.
Any questions or if you think I'm way off base, let me know.
www.ThatGuyRealEstate.com
Greg Flanagan is a SC licensed REALTOR associated with Exit Realty Charleston Group in Mt Pleasant, SC. You may contact Greg at 843-818-8867, gflanagan@exitcharleston.com or www.ThatGuyRealEstate.com
| 947.6 in reply to 947.4 |
Although no longer a resident of Deer Park or New York State I'm asking you all for a little help on this project: If you are still a NYS resident, in any way or form, or know people who would be interested who live in NYS: Here is something everyone should consider doing if you want to help stop them from building another facility that would bring in about 600 or so more trucks a day, and who knows what sort of materials parked along the DP portion of the LIRR sidings. The freight lines do not have to even listen to local rules, for the most part they operate under the surface transportation board (STB) regulations and only the federal government can make changes. Anything that interferes with commerce is usually not even considered. So why would we want to let them build this huge facility just east of the town line in Brentwood? One a RR takes over as a site operator, anything goes! If they choose to ship in chemicals, and ship out garbage, there won't be much we can do about it then. The NYS Senate bill S6728 and NY Assembly Bill A09870 would stop this facility by enforcing the laws of 1987, which clearly state that this land should be transferred to the Edgewood Preserve. It is our best hope at stopping this project. Already, you can see the private RR operator parking the empty freight cars right over DP Avenue. This will certainly increase as they start using every old siding they can find to make this TRIM project work. And that does not even consider all the woodlands that will be bulldozed to make room for the facility. All you have to do is click on the below link and print out the letter twice, Fill in your name and address with a pen and sign them. Mail one to Assembly Speaker Sheldon Silver and one to the CC address at the bottom which is our PO box. I would really appreciate some help with this! Thanks for hearing it out and I hope to see some letters soon. We are getting there, but this needs to be done first! http://www.deerparkschools.org/alumni/friends/BillEndorsementLtr.pdf
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I am a full time BROKER/Realtor specializing in residential sales and purchases in the Mt Pleasant & Daniel Island areas of South Carolina.
Testimonials
Hi Greg...
I just wanted to Thank You Again!
I told Mike on our first trip that I trusted you were going to find the right house for us, and I was right! You sat through close to 50 houses all together since December and I truly appreciate it!..... Thanks Again, talk to you soon
Dawn/Mike Mt. Pleasant,SC
I highly recommend Greg Flanagan as a Realtor. Greg was patient with our tri-county home search and worked with us virtually before our move to the Charleston area to help us locate neighborhoods and homes that best matched our requirements.
Once in Charleston, Greg was patient with our extensive search, including assistance to find a rental property until we were comfortable enough with the Charleston area to buy. When we were ready to purchase we once again looked to Greg to work with us to find the perfect home within our budget.
Once we found the home that we loved, Greg worked diligently to ensure a terrific price, and all of the contractual documentation was in order. I was highly impressed with his observation and listening skills to identify and find us the right home, his skills as a negotiator, and his talent to make the purchase of a home smooth and seamless.
Scottie Visser, Daniel Island,SC
"Thanks again for everything. You really made what I had imagined would be a completely long and painful process in truth very easy for us. I can't thank you enough for that!! "
Kathrine Collins
Moncks Corner, SC
A transplant from Upstate New York, I have called East Cooper home for the past 13 years. Married with grown children, my wife Ann and I enjoy the lifestyle and relish in the deep history and hospitality that is found in the Lowcountry.
Like many of you reading this, I came to Charleston for a brief stay in January of 1997 and fell in love with the area. The friendliness of the people, the smell of the marsh and roar of the ocean all drew me to Mt. Pleasant by spring of that year.
I found the real estate profession a little later in life then most. While raising my family I was employed as a Lieutenant with the NYS Department of Corrections. As a former elected Mayor of the Village of Cobleskill in NY, former Boy Scout leader, board member of more associations then I can remember and small business owner I feel I can be your greatest asset during your buying or selling experience.
Having bought and sold homes over the years I understand the deep emotional ties that come with the purchase and sale of your primary home. My experience can help help you through these times as an objective voice in your decision making process. Whether as an exclusive buyers agent or listing agent you can expect an honest, straight forward, objective opinion. My goal is not to sell you any house, but to help you find or sell your home.
Bottom line folks, if you're looking for someone who will agressively work for you whether buying or selling your home give me a call.
My Core Values:
To Always;
...Live by the"Get by Giving"philosophy
...Make my client's #1 goal, my #1 goal
...Live up to my standards, despite temptations to lower them
...Be willing to work toward a common good
...Do what I say I'll do, sometime more, just never less.
Buying a home? I look forward to helping you select the home of your dreams by taking time to listen to your needs and desires.
Selling a home? My real estate expertise and many effective marketing programs will give you the exposure and edge you need to sell your home quickly for top dollar.
Returning Client? I appreciate the opportunity to continue to serve you and hope you take advantage of the valuable resources I provide. Come back to visit often!
I consider this community an excellent place to reside and would love to share with you my enthusiasm for the many neighborhoods that encompass it. We pride ourselves on providing unparalleled service and look forward to developing a long-term relationship with you. Please feel free to contact me if you would like to discuss how we can best assist you with your real estate needs.
Warmest Regards,
Greg Flanagan
Residential Listings- Welcome
Welcome to The Flanagan Home Team website. Your source for real estate services in Berkeley and Charleston County. I specialize in listing and selling residential homes and light commercial properties in Cainhoy, Wando, Mt. Pleasant, Isle of Palms, Sullivans Island, Downtown Charleston as well as Folly Beach and Awendaw.
You'll find my site is easy to use. It doesn't ask alot of questions or take you to places that you don't want to be. There is no adware, spyware, captureware or anything else that tells me who you are or what you're looking at. You decide when you want me to know who you are. You can search the MLS without registering and look up homevalues without me calling you the next day.
Some features will ask for your name and email to activate them. Don't worry I won't call you the next day or sell your name to anyone. Your information is between you and me. I believe in earning your trust first, then your business.
My website provides you a non registration search of the areas Multiple Listing Service (MLS), local resources and real estate tips which will provide you with valuable information you can use in your decision making process when buying your next home. You may also fill out a Property Request form and allow me to do all the work for you.
At Flanagan Home Team, For Sale By Owners (FSBO) are welcome. There is a no registration Free FSBO listing, as well as access to forms and tips on selling your home. No strings attached. Try it out.
Real estate is one of the most exciting investments you can make, and it should be a fun and rewarding experience. Here you'll find everything you'll need to buy or sell a home, as well as learn about the market value of homes you may own in the area. It is my goal to provide you with superior service at all times.
Buying A New Home From A Builder?
Are you contemplating purchasing a home in a new development or subdivision? If so you need to know the facts about who's actually looking out for your interest. It sure isn't the agent behind the desk.
You may think it isn't that complicated buying a home in a new subdivision, find the house, sign the paperwork, use their mortgage company, appraise the house using their appraisor, walk through the house with their inspector, close on the house using their attorney, move in the house by yourself. Done deal right? Hardly!
Everything a builder does, and everybody a builder employs or contracts with, including the agent at the sales center is there for one reason, to make as much money as possible for the builder. No one on that site is there to represent you during your purchase. Sure they are friendly and helpful, but when it comes right down to it decisions are made on behalf of and for the good of the builder. You need representation.
You're probably asking yourself, "What could go wrong, after all it's a new house?". Lots can go wrong. From poor workmanship during the construction to being overcharged on your closing fees, there are hundreds of ways you can come out on the short end of the stick. Don't let this happen to you.
What will it cost me to have you represent me? Nothing! Zero! Nil! Nada! My fee is already in the asking price of the home. So whether you're using me or not you are still paying for representation without having any. Why pay for something you aren't getting?
How do I hire you? Simple. Give me a call or drop me an email BEFORE you go into the sales office or before you call the number on the sign in front of a house for sale. I will make every effort to come to you that day and help you. If you can't wait or happen to stumble over a house that you just have to have now, give the agent on duty my name and tell them I am representing you as your agent.
To understand the relationship between real estate agents and potential clients South Carolina has developed a brochure which explains the difference between a customer and a client. Click the link to view the brochure or copy and paste the link into a new window. http://www.llr.state.sc.us/POL/RealEstateCommission/RECPDF/AGENCYLAWBROCHURE05R.pdf
To summarize the brochure, a customer represents themselves and the agent (doesn't matter who they work for) represents the seller (builder). A client is represented by an agent through a written agreement (agency agreement) which layouts the duties of the agent and the responsibilities of the client. http://www.screaltors.com/cn/test/realtor/pdf/Stand_Doc/scar-130_w_highlights.pdf
Don't go out unrepresented, call me or fill out the form below and I will contact you. It doesn't cost you anything to have representation but it could cost you plenty if you don't.
Click this link for up to date unadvertised specials for new homes: http://www.flanaganhometeam.com.preview.z57.com/professional5.shtml
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