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This message is just to wish to you and your family a great Thanksgiving and a Joyfull Holiday Season.
On a market so full of chalenges we have to get creative and have courage to try new things. Hope your business is triving and let's all hope that next year will be better.
The way I see if you still doing Real Estate you must be one of the good ones...we made to the end of a very tough year so let's prepare ourselves for an abundance of business....
For your soul...
"There is a saying about a ship being safe in the harbor, but that ships are meant for sailing. They are not built to stay anchored and never travel the seas.
We are also meant to sail. We are designed to participate fully in life.
As we sail our ship through life, it's important for us to remember that getting somewhere isn't what life is about. We're not in a race to see who gather the most toys, the most money, or live in the biggest house.
Life isn't about attaining mastery and siting on the top of a moutain watching the rest of the world struggle. Rather, we are happiest when we share what we have learned and keep on sailing."
Best wishes,
Noemi Cardoso
What you need to know about the foreclosure process. Learn what your rights are. How past due on mortgage payments can you be?
In a nutshell here is what happens in a foreclosure:
* You are behind in your payments to the mortgage company.
* Your home is security for the loan, so they want their money or your home.
* The mortgage company goes through the legal system in your state to gain possession(foreclosure) of your home.
* When the legal process is complete you are forced to leave your home behind.
The above is a little over simplified, so lets get into more detail.
Your are behind in your mortgage payments. Your dream of home ownership has begun to fade. Because of some hardship that has left you without sufficient funds to make your payments you will soon lose hearth and home.
When you are about 60 days behind, the lender will file a complaint with the court system in the county where you live. The complaint will include a copy of the mortgage and a statement that payments are not being made.
You will be sent a copy of the complaint with a notice that you can demand a hearing. (You would want a hearing if for some reason the debt claimed is incorrect. Another reason might be to delay the foreclosure process.) If you really owe the money on the security of your home, then the motion started by the complaint will eventually be granted.
After you have received the complaint notice, the court will grant the lender the right to proceed with the foreclosure.
The lender must then publish a notice of foreclosure in local newspapers stating their intention to repossess your house. After 3 to 4 weeks of notices a Sheriff's sale will be held.
If you have not paid the back payments plus penalties before the sale, then your home will be sold to the highest bidder. At this point you, your family and all your possesions must leave your home, either voluntarily or involuntarily.
This whole process can happen as fast as 2 months or as slow as 10 months, depending on such variables as who the lender is and which state you live in.
Here is the unfair part. Let's say you are behind 3 months on your mortgage. You are starting to have some good things happen. You find you have the 3 months of back payments to give to the lender. You go the lenders office and make the payments. You walk away feeling happy that you are now caught up with your mortgage. Next week you discover that the lender is proceeding with the foreclosure. What gives? Simple. The lender has charged late fees and penalties that can amount to as much as another monthly payment. You must negotiate with the lender before you make payment. Often you can get them to forgive the penalties. However, you must do it before payment, so you have some leverage.
It is important to realize that you can get your loan reinstated. The requirements are that you have recovered from the events that caused you be get behind. If you are now able to make the payments, but aren't able to make up the back payments, then you need to negotiate with the mortgage company. There are several approaches to deal with the missed payments and penalties. If you are unsure of how to proceed, then you must get help. You must stop the mortgage foreclosure if there is a way out.
A REALTOR you can trust to provide you with the best service and loyalty second to none. Servicing you in Massachusetts and Rhode Island with all your Real Estate needs.
Hi, Call Noemi Cardoso with any questions you may have when you are buying or selling a home in Somerset MA, Swansea MA, Dighton MA, Fall River MA, Westport MA, Berkley MA, Freetown MA, Assonet MA, Dartmouth MA, Berkley MA, New Bedford MA, Seekonk MA, Acushnet MA, Fairhaven MA, Marion MA, Mattapoisett MA, Rochester MA, Taunton MA, Raynham MA, Lakeville MA, Attleboro MA, Tiverton RI, Little Compton RI, Portsmouth RI, Bristol RI, Barrington RI, Warren RI, Newport RI, Middletown RI, Adamsville RI, Jamestown RI, Narragansett RI, Providence RI and neighboring communities. If looking for Foreclosures in MA or Foreclosures in RI, Noemi provides a free list of homes. Looking for Bank Owned homes for Sale in MA and Bank Owned homes for Sale in RI, HUD Homes for Sale MA and Hud Homes for Sale RI. First time homes buyers, Vacation homes for Sale in MA, Vacation homes for Sale in RI, Waterfront homes in MA, Waterfront homes in RI, Luxury homes in MA, Luxury Homes RI.
I would love to help you find the house or condo of your dreams. My website, with its 100% free property search, allows you to search all MLS and State Wide MLS listings in the Massachusetts and Rhode Island area. The MLS and State Wide MLS listings include all the houses, condos, land and multifamilies homes currently listed.
As a full time Real Estate Agent and working with RE/MAX On Demand, Noemi Cardoso specializes serving Bristol County MA and most of Rhode Island. With an office is Located in Somerset, Noemi has easy access to major highways and is available to serve buyers and sellers whatever they need her. Noemi has a large referral network based on past transaction and on the basis of dedicated client service, honesty, integrity and market knowledge Noemi is the REALTOR you have been looking for.
My extensive background in retail banking combined with Real Estate offers me a better understanding of the buying, selling and financing process. With my personal experience I understand that each client has a particular dream, need and expectation. I am always willing to keep an open mind in finding solutions and opportunities to make your dream come true.
Whether Buying or Selling a home, I understand that you are looking for an Agent with a high level of commitment, professionalism and expertise. An Agent that you can trust in providing you with the best service, advice and loyalty.
As a Real Estate Agent it is my duty to offer you with all of this and more. My intention is that at the end of our experience you will feel comfortable and secure on referring my services to your family members and friends.
My goal is to make this process as stress free as possible for you and your family and also offer you with a high level of service that goes above and beyond the competition.
Besides being a REALTOR I have many other interests.
As an environmentalist and nature lover at heart I am a member of many nature preservation associations.
The ones closest to my heart are MA Audubon Society and Lloyd Center for the Environment in Dartmouth. Other interests are sports (tennis, golf, sailing, hiking, biking) photography and music. Also member of Childrens Miracle Network and the International Christian Children Foundation. Fluent in Portuguese (from Brazil) and English.
I hope to have the change to meet you soon.
Homes for Sale MA and Homes for Sale RI
Find All MLS Houses, Condos, Land, New construction, Investment properties, 55+ communities, 1st time home buyers, Beach houses, Mobile home and Multi Family Homes for Sale in following towns:
Somerset MA, Swansea MA, Dighton MA, Fall River MA, Westport MA, Berkley MA, Freetown MA, Assonet MA, Dartmouth MA, Berkley MA, New Bedford MA, Seekonk MA, Acushnet MA, Fairhaven MA, Marion MA, Mattapoisett MA, Rochester MA, Taunton MA, Raynham MA, Lakeville MA, Attleboro MA, Tiverton RI, Little Compton RI, Portsmouth RI, Bristol RI, Barrington RI, Warren RI, Newport RI, Middletown RI, Adamsville RI, Jamestown RI, Narragansett RI, Providence RI and neighboring communities. Foreclosures in MA or Foreclosures in RI, Noemi provides a free list of homes. Bank Owned homes for Sale in MA and Bank Owned homes for Sale in RI, HUD Homes for Sale MA and Hud Homes for Sale RI. First time homes buyers, Vacation homes for Sale in MA,
Falo Portugues
".....my family was going through a series of personal problems when we figure we had to sell our home. Noemi was there all along and in every step of the way to help us, advising and providing a great service....after our transaction we never lost contact and she is now one of our friends...." (Sandy W.)
".....when I contacted Noemi to start looking for a house she was very attentive to my needs and to how much we could afford, she helped us to achieve our American Dream and buy our first home in 2006..." (Marilu S.)
"Good Morning Michelle and Noemi, and yes, it's about 2:30am and I'm up. I was so tired after the long and exciting day we had, I hit the sack at 7:30pm, only to awaken 1hr ago with all the "get ready to move" thoughts in my head. Well, again, from Trudy and I, we couldn't be happier. We are so thankful to both of you for all you did to make our home purchase so successful. We
sincerely can't believe we made our Oct 31st deadline.....Again, thank you so much for everything. We hope to be seeing you both real soon..." (Ilda and Trudy)
'Hi Noemi,
Thought you might enjoy these pictures of our renovations at 95 Oak Ave. We just love the house even if it is a lot of work! Thank you for your help in finding it. Please feel free to stop by if you're ever in the area. You really need to see (and smell) it to believe it.
Hope all is well :)
Kim and David'
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