Kevin & Maryellen Garasky (KMG Mortgage Group - ID & WA)

Coeur d'Alene Public Library Fall Programs begin ... Sept 23 - Nov 11

Besides being one of the most beautiful public buildings I have ever seen (see photos below), the Coeur d'Alene Public Library is an institution of learning and a place for families to grow and come together.

Once every week I take my daughter to the Cd'A Library to participate in one of their numerous children's reading programs. Since the summer session ended, however, we have been wanting for our "library fix" and have made several trips even though class was not in session.

I am happy to let you know that the Coeur d'Alene Library fall programs begin today
and will continue until Nov 21st.

First three photos courtesy of Blackstone Finish and Trim Company.
Following three photos courtesy of Maryellen Garasky, KMG Mortgage Group.

For a schedule of children's events, please visit the Coeur d'Alene Public Library website.

"Alice the Musical" at Spokane Children's Theatre, Oct. 11th - 26th

If have children and are anything like me, you find it difficult to just pack up and go to special events at the last minute with and for your children. Diaper bags, a change (or two, or three) of clothes, snacks, water bottle, favorite blanket, favorite baby doll, you name it. But, you still want to expose your child(ren) to more than just the TV.

For this reason, Kevin and I are always looking for events and evenings out for our 2 1/2 year old and ourselves. We make a special "date" with her and go out for a dinner and a show. We usually always tell her about it ahead of time in order to give her something to look forward to and know that we value spending time with her. So far, it seems to be working.

The Spokane Children's Theatre is in its 63rd season and, starting in just a couple of weeks, they will be performing "Alice the Musical" - based on Alice's Adventures in Wonderland by Lewis Carroll, adapted and dramatized by Mark & Helen Johnson and Richard Davis, and directed by Maria A. Caprille.

Visit the Spokane Children's Theatre website for ticketing and show time information.

Hope you like the show!

A lesson in phonics ... North Idaho - Legendary Lake Country

North Idaho does it again! This time making "Sunset" magazine's list of wonderful places to live and visit!

Caroline Patterson starts her article by saying, "Plan an escape to northern Idaho, where the lakes are deep and blue, and each one has a story..."

From there she goes on to detail the wonderful things about this region that, those of us who are lucky enough to call it home, already know.

For those that don't live here, but hope to visit some day, the names of our towns and lakes have a heavy French influence. For your better knowledge, note the following pronunciations:

Hover over images to use our helping tool!

Coeur d'Alene = Core duh Lane

Pend Oreille = Pond Errrr A

Priest Lake
(If you're able to read this, I don't think you'll need my help on this one. But, you never know!)

And, note!
The photo above of the "lake" is just not any lake! It is actually PRIEST LAKE in north Idaho. One of my family's favorite camping destinations!

I hope you enjoy the article as much as I did!

Legendary Lake Country by Caroline Patterson

Best regards to you and your family!

United Way Day of Caring & Community Roots
A "1/4" Ton of Success!

I am please to inform you that Community Roots was able to pick their way to 453 pounds of success!

Wednesday, September 17th was the United Way Day of Caring and Coeur d'Alene local charity "Community Roots" harvested 453 pounds apples and pears from only two trees.

This fresh produce will be given to local food/soup kitchens, food assistance facilities, and transitional centers to help those in need in our community.

The photo attached to this entry is a scan from this morning's Cd'A Press.

Congratulations and "thank you" to everyone who participated!

Don't Lose Your Home in a Foreclosure Recovery Scam!

For those of you who may not know, I (Maryellen) started my mortgage career working for Mellon Bank in their Loss Mitigation department. My job was to contact homeowners in default of their home loans and let them know that they had other options besides filing for bankruptcy and/or letting their home go to foreclosure sale.

I would negotiate Special Forbearance Agreements, Deeds in Lieu, Short Sales, etc. and acted as a liaison between the borrower and investor who owned the loan. I wasn't a "contractor" - but an actual employee of the bank and contacted only OUR customers.

Our current market conditions have seen an uprising
of less savory characters who offer miracles for a fee.

One thing for you to know!
Anyone who contacts you trying to
help you "save" your home
isn't doing anything for you that you
can't already do for yourself!!!

There are legitimate companies out there who offer their services
in order to help those who feel (and rightfully so) in over their heads.

I thought, therefore, that this post from Lynnette Phillips (Loan Officer, San Bernardino County, California) is most appropriate if you are trying to determine the legitimate offer from a scam artist.

To make certain you don't fall prey to a Foreclosure Recovery Scam, please read on:

Scam artists look and act just like the rest of us. They may be just a little more charming, friendly, likeable - but, beware they're ruthless!

The current wave of foreclosures swamping the nation has been increasing at an alarming rate. March 2008 marks the 27th straight month of rising national foreclosure filings. Foreclosure scams are also on the rise with the callous eagerly waiting to prey on the elderly, the unenlightened, and the desperate.

Scam artists are dependant upon the borrower knowing little of the foreclosure process for their scam to work, and want to keep homeowners in the dark about their legal rights and the alternatives they might have to save their home.

A report by the National Consumer Law Center points out that these scams all boil down to two main forms:

The first comes in the form of the "foreclosure consultant" who asks for a hefty up-front fee and assures the homeowner of a refinance of the loan or a delay of the foreclosure will be arranged. The "foreclosure consultant" then does nothing, costing the borrower crucial time and money besides.

Second, the "foreclosure rescuer" takes title to the property in a sale/leaseback arrangement. The homeowner signs the home over to a third party agreeing to make rent payments in the belief that their home is going to be saved. Eventually the homeowner loses the home to the supposed savior along with any "rent" money paid.

How do these supposed defenders of the despairing make contact? Foreclosure notices are public record, so as soon as the first Notice of Default is printed in the newspaper, your mailbox is inundated with offers of assistance. Some rescuers prefer to meet initially face-to-face and knock on your door but, no matter how initial contact is made, it's important to guard against anyone who advertises their services as "foreclosure services" or offers "fast cash".

To help ensure your safety, the US Department of Housing and Urban Development (HUD) provides listings by state of HUD approved Housing Counseling Agencies. You may contact HUD by calling 1-800-569-4287 or on the web (CLICK HERE) to acquire a list of non-profit agencies in your area.

Before considering the use of any non-approved "foreclosure service," first verify that the individual or company is listed with the Better Business Bureau, Department of Corporations, Department of Real Estate or the corresponding agency within your state.

If you do decide to deal with a foreclosure adviser these pointers may be of some help:

• Do not respond to demands for money before services have been rendered. Most states make it illegal for a "foreclosure consultant" to ask for an up-front fee. All contracted services should be completed before any money changes hands. A scam artist will ask for a fee up front and then do nothing to help you save your home.
  
• Don't sign a Quit Claim Deed or Deed of Trust giving title in whole or part to a third party - as in a "rent" or "sale/leaseback" scam. Although you may be able to avoid a foreclosure showing up on your credit report by giving the lender a deed in lieu of foreclosure, giving title to your home to a third party does not necessarily relieve you of your legal obligation. In many cases the hidden clauses in any paperwork may cost you your home after all.
  
• Don't be pressured into signing a contract or incomplete document regarding your home without reading and understanding it beforehand.

It's very convenient for contract pages to end before allowing room for signature lines. The signature line then appears at the bottom of another blank page making it easy to attach it to another document. The paperwork presented by the scam artist often tends to be very complex and complicated making it easy to hide critical phrases and conditions allowing them to defraud the signer.

• Another fraudulent technique scam artists use is to present you with stacks of paperwork and, of course, they don't sit there and explain anything to you.

Safeguard yourself and your home against loss to a foreclosure scam!

* Re-posted with permission

I hope you have found this article to be helpful. For those of you who find yourself in desperate situations, please note that KMG Mortgage Group is only weeks away (maybe days away) from getting our FHA approval. FHA loan guidelines are much more flexible in regards to credit and do allow for foreclosure bailout situations.

Please contact us today if you are interested in learning more. Remember, KMG Mortgage Group is licensed in Idaho and Washington and we are regulated by the Idaho Department of Finance and the Washington Department of Financial Institutions.

We don't get paid unless your loan closes - with YOU on title!!!!!

Best regards to you and your family!