As the holidays approach and we finalize the end of the year books, send out holiday cards, attend holiday parties and prepare for next year. We can't help but remember all who were a part of our year 2011.
Again, this year has brought amazing people into our lives. This business is so rewarding in many ways and often we forget to be thankful for the many yearly blessings.
This year started out with Christina, joining our team and bringing with her a tremendous amount of knowledge in the technology world. Her talents in Real Estate are natural and her clients gratitude for her hard work has reminded me of her value at New Solutions. I look forward to her achievements and contributions in 2012.
The beginning of the year brought Jill, a new client buying a beautiful piece of Chesapeake Bay waterfront land. As well as The Leslie's, dear friends and clients of many years, settling into a new place in New Market. As well as another friend Larry, selling his home of a long time to start his retirement adventures.
Short Sales, Foreclosures and listing's sitting for a very long time have added to the frustrations of this year. However, the amount of time needed for each of these processes and the anxiety created with each one has had an upside. I speak of the depth of relationships formed and the relief felt by all when completed. Working together to manage to the best of our abilities all we do helps us all be better people.
Of those who could not sell, we have managed to rent 5 of our clients homes in order for them to have less of a burden, hold for a better market and/or purchase their new dream home while renting the old.
First time home buyer's continue to be a personal favorite. There is just nothing more rewarding than helping in this huge life changing event. Emily and Jerry, Griffin and Michelle and Brooke I look forward to our continued friendship through this upcoming year.
Their were also 8 clients we have been able to assist in obtaining a rental lease for this year and we certainly hope we are able to further assist you in any housing needs when the lease is up.
Also Joe and Vicky / Mac, I feel each of your homes couldn't be more perfect a fit, thank goodness considering the amount of time and effort you each put forth to acquire such perfect homes. It has been such a pleasure to work with each of you.
This year also brought our newest member of New Solutions, Matt Fischer. Matt brought with him a large knowledge base of the mortgage and real estate industry. He has gotten us approved with HUD for Real Estate held under this program and is currently feverishly bidding, buying, renting and selling these types of properties. We look forward to watching his continued success in 2012.
Also this year, looking back are all the people behind the scenes who make New Solutions what it is. Boni, Mary Ann, Theresa, Mr. Dunn, Ginny, Cheryl and Brian. Stacey, Shelly and Ed. Without each of your contributions and care we would just be another Remax (just kidding, kind of. LOL!). Also a shout out to all those who referred us business this year, we take great pride in providing above and beyond service and reduced expense and we thank each and every one of you for your trust in us.
As New Solutions, we remain committed to the people, the relationships, your needs and wants and we are committed to bring results that are personalized for each client's Mortgage or Real Estate needs.
Happy Holidays to one and all!
Sincerely,
Recently I have had several inquiries regarding what happens after foreclosure? First I always attempt to encourage working with an HUD approved housing counselor. Secondly I do everything I can to assist in not letting the home go to foreclosure for the individuals sake and as my part in trying to stop the bleeding of these homes sitting on the market. If possible even a Short Sale of the home is easier on the individuals credit as well as the general neighborhood.
However if in the end foreclosure is inevitable....
Housing will become difficult, Owners and Landlords are most frightened of the tenants inability to make the rent payment. This is probably the number one fear among the sellers and landlords I work with. It takes a seasoned approach to display to a landlord the other factors that should be considered. Its not for the faint of heart and can be very frustrating.
Recently I had a client who due to divorce and job loss had pretty horrible credit. We spent months working on proof of her ability to pay and approaching landlords requesting rental agreements for her, after our 3rd turn down we found her current rental property. The positive side to these difficult times is to see her pull herself up and excel at her job. Since finding her the property to rent she has already saved 1/2 of what she will need for a down payment on her next home. To quote her " I will buy much more conservative this next time and I will always have a nest egg in my savings account " Her current landlord does not want to see her go. She will need a 3 year recovery before FHA will even consider lending to her again but she's accepting of what she must do to prove her stability and appreciative to the landlord for the opportunity.
If I can be of assistance or you have any questions on any of the below topics, please feel free to call.
Welcome Matt to New Solutions Realty,
His many years in the mortgage, and real estate profession's make us excited to announce his joining us at New Solutions Realty. He will add to the Solutions we already offer, for example Matt is strong in working the FHA Foreclosure Arena he also holds a lenders license and license to conduct real estate settlements. Welcome Matt and much success.
I could not pass up on this Momma birds brilliant use of material for building a nest.
I'm not sure how the boat owner feels.
Christina brings her background in high-level technology, and we often refer to her as the gadget girl. She is a natural to all things IT. Bringing this expertise to New Solutions which will be keeping us at the forefront of the ever changing technology world. Christina has school age children involved in school activities so many of you already know her. Its easy to find her enjoying the beaches of Lake Linganore almost every weekend in the Summer and has been a resident of Lake Linganore for Nearly 10 Years.
Her expertise of the amenities included in all the Villages of Lake Linganore will quickly establish her as your neighborhood specialist.
She had been in Frederick County for Nearly 20 years and has a vast knowledge of the Real Estate here.
We look forward to all Christina will bring to our Real Estate Community.
Please Welcome her!
Christina@newsolutionsrealty.net
I've been active in the mortgage industry since 1986. This added service is appreciated by all my clients both buyers and sellers.
A fresh, affordable approach to Real Estate where you'll find bright ideas that bring results! 
Many real estate transactions go wrong and mostly it's due to financing.
From day one, I address, explain and keep you iinformed of the in and outs of the mortgage aspects of Buying and Selling. For sellers there is nothing worse than arriving at the settlement table prepared to close and something is wrong with the buyers financing, with New Solutions Realty this doesn't happen. Why? Because I will know the qualifications and ability of the buyers at the time we accept the offer. My Buyers will be totally qualified and approved before shopping, therefore strenghthening their buying power, and throughly understanding what the payments and closing costs will be. I also know what is the best mortgage product for each individual(s) and how to get all the credits, available to each buyer from state credits to lenders credit to seller credits as well as tax credits.
I have worked extensively with Buyers and Sellers covering everything from Land to New Construction. I manage properties for homeowners who are making income from their rentals instead of selling and I have clients who I have helped to find rental homes. My expertise lies in my ability to build positive relationships with my clients no matter what type of home requirements my clients have. They know I will go above and beyond to handle every aspect of the transaction. I become my clients personal assistant and CEO of any transaction.
Hi, I have refinanced my home with the help of Kay, and I have also had a home equity loan with Kay's' help.
In both instances, she was honest and up front with me, and she has earned my complete trust in her judgement.
I have compared her offerings with others, and have always come back to Kay. I look forward to working with her anytime I need Real Estate services or mortgages in the future.
I recommend Kay to all my friends, and consider her a model of what an agent should be.
Thank you Kay!
Sincerely,
Kenneth Hollar New Market, Md.
I cannot say enough good things about my experience working with Kay Riddle. She was extremely knowledgeable about real estate and financing. Whenever I had a question (and I had many) she was quick to respond and made sure I had all the knowledge I needed before making a purchase. I have recommend her to co-workers that are thinking about purchasing a home and/ or refinancing and I will continue to do so in the future.
Good Luck Kay! I know it will be a success!!
Rena : )
When purchasing a home, it is important to choose the right realtor, the right loan officer and the right title company - not only for how well they work for you, but how well they work together. I've been in the title business for 22 years and I can tell you that Kay is one of the most knowledgeable and cooperative professionals I have ever dealt with. We have solved many problems quicker and more effectively because of Kay's willingness to do whatever she can in whatever aspect, never stopping to ask "Whose job is that?". She just gets it done!
Shelly
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