Pam Jank

Good news Coeur d'Alene, Idaho! Homeowners with adjustable-rate-mortgages who are in hardship should be able to benefit from Idaho's $100 Million share of Mortgage Revenue Bonds. The Idaho Housing and Finance Association will administer much of the funding in Idaho. This is all part of the Federal Housing and Economic Recovery Act that was signed into law on July 31st, 2008.

The bill gives the Federal Housing Administration authority to ensure refinancing for borrowers in trouble. It is a foreclosure rescue plan in which lenders would refinance homeowners with sub-prime loans into fixed-rate, 30-year mortgages backed by the FHA. This should be a boon for first-time home-buyers and homeowners struggling with sub-prime loans, as well as the mortgage industry.

This money will also be available to finance loans for 750 more households on top of the 5,000 financed within the past 12 months. It should also allow 150-200 more people to access counseling.

This bill also provides for the tax credit of up to $7500 for first time home buyers or those that have not owned a home in at least 3-years.

For the past several years, the National Association of Realtors including the Idaho Association of Realtors, have aggressively lobbied for Congress to pass numerous provisions found in this historic bill. It is my sincere hope that this bill will help boost the economy by providing more housing opportunities for Idahoans.

Here are a few links to summaries of the Recovery Act 2008: http://banking.senate.gov/public/_files/HousingandEconomicRecoveryActSummary.pdf

http://www.realtor.org/gapublic.nsf/pages/hr_3221_key_provisions

Please contact me with any of your Real Estate and/or Relocation needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Speak up if you don't want DPA - Down Payment Assistance to go away on Oct 1, 2008 !

A Buyer with no money down already has very few finance options in which to purchase a home. Now it is going to be even worse!

Just a few short weeks ago President Bush signed into law legislation that contained a provision to eliminate charitable down payment assistance, effective October 1, 2008. This is a program has helped over 1,000,000 families purchase a home. Approximately 80% were 1st time home buyers and it was reported that 94% met their mortgage responsibilities!

If we act IMMEDIATELY, we do have an opportunity to get DPA back but it has to happen no later than September 30th, 2008.

The very day after Bush took DPA away, Congress introduced bipartisan legislation H.R.6694 that would reauthorize, reform and save charitable down payment assistance. H.R.6694. However, this must be passed by September 30thand we need your help! Its time you tell your elected officials in Congress that you support downpayment assistance and urge them to support H.R.6694.

Go to: http://www.supporthomeownership.org/ and voice your support of Downpayment Assistance in your communities, to your elected officials. This page is being updated continually and can be used to find Events, Rallys and Town Hall meetings happening in your communities.

All Real Estate professionals, Lenders and Homebuyers etc... need to voice their support for this critical issue. Our elected officials need to be educated on the impact the prohibition of non-profit downpayment assistance will have on our communities, the entire home buying chain, and the economy.

Please contact me with any of your Real Estate and/or Relocation needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Coeur d'Alene no longer has an excuse to be "Computer Illiterate" - Free Classes

The Coeur d'Alene Public Library is holding Computer Workshops that teach computer basics, setting up email accounts, using the Internet, Word, Excel & Publisher.

The Workshops are FREE and available on a first come, first served basis. Space is limited. You need to arrive at the computer lab 15 minutes prior to the scheduled class.

It's never too late to Learn!!

All of the Computer Workshops are in the Computer Lab at the CDA Library.

702 E. Front
Coeur d'Alene, ID 83814
Phone: (208)769-2315
Fax: (208)769-2381
Email: info@cdalibrary.org

The Coeur d'Alene Public Library is located downtown, next to City Hall,
at 702 E. Front Ave in Coeur d'Alene, Idaho.

The Library now has WiFi Access Point connected to high-speed DSL. This unfiltered service is available on the main floor in the Main Circulation area, and is FREE.

I have put together a list of the Computer Workshops through the end of September.

Computer Workshop: Intermediate Word
When Tue, Aug 26, 10:30am - 12:00pm
Description - This workshop goes beyond the basics of word processing, exploring mail merge techniques and page layout tools that will enhance the effectiveness of your writing. Basic typing skills are necessary, as well as a basic understanding of Microsoft Word itself.

Computer Workshop: Basics in PowerPoint
When Sat, Aug 23, 10:30am - 12:00pm
Description - If you have information that needs to be communicated effectively in a staff meeting, to a class, or just need information on display, consider using PowerPoint. This workshop will provide the basic skills to begin creating visual presentations. It will guide you through slide manipulation, object use, transitions, and helpful hints for creating an effective presentation. Basic typing skills are necessary.

Computer Workshop: Basics in Excel
When Sat, Sept 6, 2:00pm - 3:30pm
Description - Have long lists of numbers or information that need taming or calculating? A spreadsheet can help. Explore and understand the parts of the spreadsheet, basic formulas, basic formatting, and editing. Basic typing skills are necessary.

Computer Workshop: Introduction to Computers
When Tue, Sept 9, 10:30am - 12:00pm
Description - An informative tour in the basics of computers. If you have never touched a computer before, or have worked with computers but have not felt very comfortable with them, this workshop is for you. Basic typing skills are helpful, but not necessary.

Computer Workshop: Intermediate Excel
When Sat, Sept 20, 2:00pm - 3:30pm
Description - Spreadsheets do much more than crunch numbers. Learn about Excels database functionality, creating charts and graphs, and creating more effective formulas on the run. Basic typing skills are necessary.

Please contact me with any of your Real Estate and/or Relocation needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Attention all you Honeysuckle Beach & Boat Launch users:

The City of Hayden / Hayden Lake has announced changes in it's hours of operation at Honeysuckle Beach.

Monday, August 18 - No lifeguards on duty, but beach and boat launch open to the public.

Wednesday, August 20 - Lifeguards on duty from 11:00 a.m.-4:00 p.m.

Thursday, August 21 - Lifeguards on duty from 11:00 a.m.-4:00 p.m.

The last day lifeguards will be on duty is Sunday, August 24, with the beach no longer being guarded beginning Monday, August 25.

For more information, contact the Hayden Recreation Department at (208) 772-4411.

Please contact me with any of your Real Estate and/or Relocation needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Today, the remote 20-acre parcel is genuinely deserving of its new name, "Peace Park." No longer a harbor for hate, it now serves as silent testimony to a community of people who fought hate, and won.

Recently a young, family contemplating relocating to Hayden, Idaho, called to ask me about a rumor they had heard from friends that Hayden Idaho could be a Racist community. What they were referring to was a very isolated incident that hit national headlines in 1999.

This was not the first time I had been asked this question. Unfortunate, since this is NOT what Hayden or Hayden Lake are about. The dedicated "Peace Park" is evidence of this and the stance on Human Rights.

In a nutshell...From about 1973 until 2001 there was a very small group of Aryan Nations members that resided on a 20 acre parcel in Hayden Idaho. Richard Butler had purchased the property after moving from California to Idaho in 1973. From about 1973 until 2001, the Aryan Nations had its headquarters there. I've lived in Hayden Lake since 1990 and all during that time there were never more than a handful of "Members" residing there.

In September 2000 the Southern Poverty Law Center won a $6.3 million judgment against the Aryan Nations from an Idaho jury who awarded punitive and compensatory damages to Victoria Keenan and her son, Jason, who were attacked by Aryan Nations guards in 1999. As a result of the judgment, Richard Butler turned over the 20-acre compound to the Keenans, who then sold the property to a philanthropist, who subsequently donated it to North Idaho College. The College than designated the land as a "Peace Park." Richard Butler passed away in 2004.

The designation of the 20-acre "Peace Park" should be validation of what our communities are all about and their commitment to Human Rights.

"Attorney Morris Dees pioneer in using 'damage litigation' to fight hate groups", CNN. "Keenan v. Aryan Nations", Southern Poverty Law Center "Richard G. Butler, 86, Dies; Founder of the Aryan Nations", New York Times

Please contact me with any of your Real Estate and/or Relocation needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315