After countless days and hours of Target Practicing with his Matthews Bow....the Kaufman County Game Warden gathered enough patience and precision that allowed him to take the Buck of a Lifetime, on Monday, October 19, 2009. This certainly proves that practice definitely makes PERFECT.
Click here for the photo and interview.
This could not have happened to a better guy. And I have to admit that I am totally biased, because this great guy is not only a great hunter, but a GREAT husband and father as well.
Since distressed properties have taken over the market and may seem like the best deal in town, there are many things to consider before purchasing. one.
First of all, Foreclosed properties are much easier to purchase than properties that are pre-foreclosures/short sales. That's because the banks have already taken possession of the property and are now the current owners. They've have appraisals done and several broker price opinions done in order to help them determine the price that they should list the property for. These prices are generally prices that should get the foreclosed property sold within 30 days. That's the bank's motivation, to hurry and get these properties off of their books, so that they can continue lending.
Secondly, foreclosed properties are usually being sold AS-IS, with no Warranties, no Repairs, no Seller's Disclosures and is basically "what you see is what you get." Now grant it, each bank is different in what they will do in order to get a foreclosed property sold. For example, I had a foreclosed listing that needed extensive foundation work, to my surprise, the bank paid for that and the transaction closed smoothly. Also, on another transaction, I had a foreclosed listing that needed two HVAC units and the bank paid for those as well. So have your agent contact the listing agent to see exactly how motivated the bank is in moving a particular foreclosed property.
Thirdly, foreclosed properties can Close quickly, so be sure that you are pre-approved and have any other financial requirements in order. Generally, when the bank says "When," you should be ready to tell them, or they will move on to the next interested party.
Finally, you're not the only one interested in purchasing foreclosed properties. The competition is very stiff and if you are not ready to purchase then get out of the way, because you will only end up disappointed. Investors are out looking at the same foreclosed properties as you, and they can generally buy in bulk and pay cash. For example, I just listed two foreclosed properties last Thursday night and had three offers on one of them by Friday afternoon, and they were all from investors.
So yes, foreclosed properties are a great deals, but it is up to you to be ready and prepared to take advantage of those deals. Let me help get you ready you don't miss out on the opportunity of a life-time.
Visit my website to sign up for your FREE FORECLOSURE LIST.
MeLisa Minter, MBA, Realtor
469-766-7379
Here We Go!! Another Season of Little League Football in Kaufman, Texas.
This will be our second season participating, so I'm a little ambivalent about it. I look forward to the games, but not the rough and demanding practice schedules that these little ones have to edure. Not to mention that most of the games are on Saturdays, smack in the middle of the Day. This requires me to either set very early or very late showing appointments on Saturday.
But I know with Football Season, also comes very cool weather (not until October here in Texas) and the Holiday Season. My son is already practicing plays and getting use to new players, but when school starts in a few weeks, reality will set in for him.
So I wish the Kaufman Lions Little League Association Good Luck this Season. I don't look forward to sitting in sweltering heat over the next couple of months, but I do look forward sitting in the benches under warm blankets with a cup of hot cocoa come this Fall.
Here's Wishing You 
Many Touch Downs Guys!!
MeLisa Minter, MBA, Realtor
I've been working with a client for a while on his loan modification. After several modification package submittals and many phone calls, my seller receives a letter stating that the seller's modification was denied due to their monthly income. Mind you, when my seller applied, he was the only one working and there was definitely a financial hardship. Plus he had mounting medical bills from a family member's medical care.
Anyway, they send the denial letter one day and then the very next day, they send the Foreclosure Letter. What is going on?? I ask. He contacted me on a Monday and the home was suppose to be foreclosed on that Tuesday. I immediately tell him to get back on the phone with the servicing company and demand to speak with a supervisor. Of course he gets the runaround from customer service and the loss mitigator, to no avail. I then give him links and information about the "Making Home Affordable" Program and how lenders are not suppose to be foreclosing on sellers that would like to remain in their homes.
Armed with that information and the phone numbers and emails of a couple of top executives, we called the foreclosing attorney's office, the top level execs and the loss mitigation dept. We also faxed everyone the info about the "Making Home Affordable" guidelines as well another hardship letter.
Within 30 minutes, we get a call from the original loss mitigator stating that the lender has decided to review my seller's file again and that they would get back to them in two weeks with either the option of reducing their interest rate or reducing their monthly payments and adding the past due amount to the end of the loans.
We were ecstatic. We could not believe it!! It just goes to show you that a lot of these servicing company employees have no idea about the new regulations or they don't care. It also shows that homeowners need to do their research and perhaps have an experienced professional by their sides to help them through the modification process.
Good Luck to all of you on your modifications.
MeLisa Minter
Do you live in Kaufman or Rockwall Counties and have a mortgage with American Home Mortgage Servicing Inc. also formerly known as Option One. Do you need to do a Short Sale on your home? If so, I can assist you with your Short Sale/Pre-Foreclosure.
Visit my website to register for your free Short Sale Information Package. This package contains information about the short sale process, the documents needed to apply and the information about the Mortgage Debt Relieft Act.
I have experience in working with American Home Mortgage Servicing and I know their Short Sale Process and Procedures. This took a lot of time and effort, but I am now very comfortable with this organization and I have a few inside contacts that can steer me in the right direction whenever I encounter the famous AHMSI roadblocks.
Short Sales are very common these days and since a lot of homeowners are upside down in their mortgages and can't make the payments, the Short Sale Option is the most viable option for you to consider and it does not damage your credit as much as a foreclosure would.
Check out AHMSI Frequently Asked Questions www.ahmsi3.com/servicing/BAT_faqs.asp, then give me a call so that we can discuss your Short Sale.
My recent Short Sales with American Home Mo rtgage Servicing Inc.
Villages of Fox Hollow, Forney - $193,500
Lofland Farms, Rockwall - $142,000
Estates of Quail Ridge , Royse City -$118,000
Hope All Is Well,
MeLisa Minter, MBA, Realtor
469-766-7379
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Specializing in Kaufman, Dallas and Rockwall Counties. Previous New Home Sales Consultant familiar with how to utilize Builder Incentives to benefit everyone in the transaction.
Whether You Are Buying or Selling A Home... you should know that there are several critical steps involved before you can actually sign on the "dotted line." That's why you need a professional Realtor® to provide the hands-on service that you should expect from an expert. I am committed to help you purchase the home that is right for you and your family. My goal is Customer Satisfaction and loyalty from the beginning of the home buying process through closing and thereafter. My areas of service include Kaufman, Rockwall and Dallas Counties . I have extensive familiarity with each counties' infrastructure, roads, HOAs, deed restrictions and building restrictions.
MeLisa Minter, MBA, Realtor
...the way homebuying was MINT to be!
http://melisaminter.point2agent.com
I am a Marketing Professional specializing in Print, Online and Traditional Media. I also have experience in the New Home Sales Industry. I have been on both sides of the table and am familiar with the language, culture and motivation of the New Home Sales Industry. I have spent the majority of my young real estate career dealing with Short Sales and Foreclosures and have learned a great deal about strategies and techniques that Buyers and Sellers can utilize to make the real estate transaction more comprehensible.
Years ago I learned the importance of providing great customer service; and since I've been in Real Estate, I see the huge impact that great customer service can have on a business. You see, satisfied Customers are what keep me in business and give me the ability to do what I do. Sometimes I may not get it quite right, but in the end, my utlitmate goal is CUSTOMER SATISFACTION. Take a look at what people are saying....
MeLisa always kept us informed of the selling process. Before she even listed our home, she provided us with information that informed us on how to prepare our home to sell in a timely manner. Needless to say, our home sold in 30 days! We were elated. Thank you MeLisa for your enthusiam and your insightful knowledge. D. W., Terrell
I was referred to MeLisa by a friend, for her to list my home as a Short Sale. She really knows the Short Sale process and kept me informed every step of the way. She stayed in touch with the lenders and negotiated a very successfull Short Sale. My home was sold within 60 days. J. Roberts, Rockwall I was a first-time new-homebuyer and MeLisa was with me every step of the way. From selecting upgrades, to full understanding how to use the builder incentives, she was really hands-on. Even after I purchased my new home, I can still call her with questions and inquiries about homeownership and she always has an answer for me. Thanks a bunch MeLisa. T. M., Red Oak, TX. The buying process was a great experience! Very knowledgeable. Energetic and experienced. Thanks MeLisa! T. Sadler, Dallas
MeLisa assisted me with a Short Sale on my home and I have kept in by my side ever since. She is always there when I need information and she never fails to deliver. Thanks MeLisa. T. B, Forney
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