The making homes affordable plan is a good plan in theory....the problem is that the banks don't take you serious if you are having a hard time making your payments until you start missing your payments.
I have one client that has been having a hard time "like many others" making all his bills...he contacted Bank of America 4 months ago and only got somewhere today when they finally got him to the dept that can actually help him....
He has been told for the last 4 months "just keep making those payments and everything is fine"....to which he has responded for 4 months "the money is running out and that is why I am calling you early to let you know I have a problem"!
My question is this....Why would the bank not want to help someone that does the right thing and calls in ADVANCE to let them know that a big problem is coming soon? Why do they wait until you miss a couple payments to step up and realize that indeed the owner might be having a problem?
His frustration with Bank of America sounds like it is not the only situation out there where the bank is dragging their feet to actually help!
My opinion is, that sense he called early on and was given the run around and nothing has happened for 4 MONTHS to help him that he should go to the front of the line!!
Probably not though....it will be the people that have missed a couple payments...had their FICO's drop that will get the help first....Doesn't seem quite fair....but then what about this entire situation is?
Miss some payments....you will be taken seriously.....keep making your payments even though you have nothing in the bank and they won't help you....This I have learned from him....
Regards,
Richard
The senate voted to extend the first time home buyers tax credit and has offered up a move up tax credit to purchasers that have lived in their homes for 5 more years.
Here are the highlights to the new Bill-HR 3548
Trade up buyers that have owned for 5 or more years=up to $6500 credit.
First Timers or anyone that has not owned for 3 or more years=up to $8,000
Buyers MUST sign the purchase agreement by April 30th and close by June 30th 2010!
The credit is phased out for those with incomes above $125k single or $225k for joint filers.
This is a tax credit and not money back.
Looks like a GREAT time to trade up while interest is still low and inventory is high!
Regards
Richard
When people are going into or are in foreclosure one of the things that is for sure is the fact that stress makes you think differently! A common problem that owners face when they are losing their homes is their pets!
If you have pets and don't know what to do with them try no paws left behind.
This website can help you with this one aspect of your life so you don't have to add to your already high stress!
Finding a good home for any pets that can't go with you is the best thing to do...
There are laws against dumping animals and this website wants to help you if you need help?
Regards
Richard
California Loan Modifcation agents Kidnapped and Tortured-
If you are thinking of doing loan Mod's in California you better get results! This we learned from the recent kidnapping and torture of a couple loan mod agents that didn't get the job done!
I have heard of work related stress but come on here.....
There is the new law that took effect recently that says "no up front fee's"...you only get paid when it happens....this should hopefully help home owners across California.
Losing your home is a very stressful event....no doubt about it....there comes a time when you have to go left or right and if you loan mod is not getting anywhere and the Trustee's sale is coming up you might want to consider a Short Sale.....
To Loan Mod's that go through!
Regards,
Richard
 |
|
|
Providing professional real estate services for the greater Redding California,Palo Cedro, Millville,and Bella Vista area's of far Northern California. Making the process of purchasing fun again!
25 years in Shasta County. I offer personalized one on one real estate services.Work directly with a Broker. As an ECO/e-PRO Broker Richard Goates is one of only a few e-PRO Brokers in our area trained to assist you and communicate with you via the internet. A quick effeicient response is what you can expect when working with one of the area's best Brokers! Local area knowledge. Product knowledge to find you what you want fast! I know the area. I know the best values and deals! I know the good areas from the average areas. Resale is important so don't forget that when purchasing a home!
I specialize in the Redding,Palo Cedro,Bella Vista and Millville area's of Shasta County California.I can help you with land,residential and commercial properties.No body knows the area better.25 years in Shasta County with the knowledge and enthusiasm to get the job done! I work with several developers and contractors that do Redding area development projects.Whether you are looking for a single family home or you are a developer looking to do a project in Redding or the surrounding area one call can take care of it all! Now with my ECO Broker Designation I can help you understand the environmental effects that pertain to real estate in our area of Shasta County in Northern California.
Rick was there every step of the way!
We watched Rick in action when he sold our home six months ago. He was the buyer’s agent. When it was time for us to buy another home, we knew who our Realtor would be ~ RICK GOATES!
Rick was there for us every step of the way. He is very dependable,
reliable and attentive. From helping us find a rental home to the closing
of our new home, he made sure everything was in place. He listened to what
we were looking for, and always watched out for our best interest. Rick
found us the house we were dreaming of. We are so happy in our new home.
Thank you, Rick.
When you’re ready to buy or sell a home call Rick Goates. You’ll be glad
you did!
Mr. Rich and Janine B.
He listened to our needs
Rick took great care of us. He listened to our needs and showed us enough homes so that we felt we were not missing any. He negotiated an excellent deal for us and made the whole process go smoothly. We highly recommend him!
"M/M Jose O."
Rick Goates is an Enigma
Rick Goates is an enigma - in a world of declining ethics and easily broken promises, Rick shines by being everything he claims to be and seeing through to completion everything he commits to. Then he goes a mile, two, and even
farther, to make sure his clients are happy and genuinely satisfied with his service. Gosh, what a rarity! How could someone with such integrity help but become not only our valued real estate agent but our treasured friend as well! Shucks, we like him and his beautiful family so well, we bought a house in the same neighborhood! (Well, it just happened to work out that way
really, but, heck, we moved in already knowing we had at least one GREAT neighbor! :-)
Thanks, Rick, for the superior service helping us find the "perfect" home, for your continued friendship, and for trusting us enough to mention that there was a house available on the same street as yours (sounds like a potential setup for a realtor's worst nightmare! - but we'll never give you cause to lose sleep over it...we promise ;-) ).
With fond regards, Robert & Sheree Christian
Excellent service
You can absolutely feel confident in the quality of your work and service to clients.
Erica P.
He got it done
We hired Rick to sell our land and he did an excellent job. It was really a tough transaction and took longer that it was supposed to because the buyers switched lenders. Rick followed thru and got it to close. We are very thankful and recommend him to anyone!
David and Chris C.
He made it so easy!
We were first time home sellers and had lot's of questions. Rick helped us through the whole thing and kept in contact with us. He kept us informed on what was happening and followed up. We would recommend him to anyone looking for a home in Shasta County
Sam and Alice P.
Rick did a wonderful job for us!
Rick did a wonderful job for us. We found a beautiful horse property and the deal would not have closed without Rick's extra effort and attention to the details. Thanks Rick!
Richard & Joyce S.
Rick made it easy!
Rick found us the perfect house for our needs, and in our price range. He also put us in touch with some good people who helped our transaction go smoothly and quickly. We relocated back to Redding, from Merced. Rick was MORE than helpful at both ends. We are extremely satisfied with his way of doing business, and recommend him highly to everyone looking to buy or sell. We owe him a lot. He made, what could have been quite difficult, very easy. If we didn't call him, he called us. It didn't matter when or where he was, even boarding a business flight out of town, Rich took the time to call us and make sure we were doing alright. Don't bother looking for anyone else, we promise you Rick is more than qualified, and goes out of his way to do the best he can for your needs. THANK YOU RICK!
Your friends, Butch and Tish T.
The Results Realtor
He did exactly what he said he was going to do!
Mr. and Mrs. Quindy
We couldn't have done it without him!
After 6 months of trying to sell our home ourselves we were getting very disappointed when we came across Rick. We were hesitant about Realtor's but Rick sounded different. He sure was, he wasn't high pressure and did exactly what he said he would do! He got it sold right away and allowed us to move on.
Becky T.
Working harder
Rick took the time to show us what we wanted when we needed to see it...That is priceless...He worked around our busy schedules.
Mr & Mrs Robertson
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
Powered by the ActiveRain Real Estate Network
© 2009 ActiveRain Corp. All Rights Reserved
