Pass on to those in need.

At Cool Ray Stadium -2500 Buford Drive Lawrenceville, GA 30043

December 17 at 1PM

Free Honey baked ham & 1 week groceries for unemployed & single moms

Dec 17. Know someone who is unemployed or a single mom? Once again 12 Stone Church in Lawrenceville will be giving away

5000 Honey baked hams and a week’s worth of frozen food/groceries to the unemployed and to single moms.

It will work the same as last year – drive-through service at the Cool ray Stadium on GA 20/Buford Highway. Pop the trunk, and the church volunteers will put the food in

the car, hand the driver a voucher for 4 baseball tickets to use anytime during the season, and then the recipient can be on their way. There is no need to get involved in a sitting/parking frenzy waiting for the event to start, as last year there was plenty

to go around for hours after the start time.

From: Catherine.A.Spell@hud.gov

Date: Tue, 15 Nov 2011 10:24:44 -0500
Subject: FW: Free Honey Baked Ham & 1 week groceries for Georgia unemployed & single moms Dec 17, 2011

Just passing along the Information, if any of you know of anyone, this would be a blessing in these trying times……

Cool Ray Stadium -2500 Buford Drive Lawrenceville, GA 30043

Free Honey baked ham & 1 week groceries for unemployed & single moms

Dec 17

Know someone who is unemployed or a single mom?

Once again our church (12Stone in Lawrenceville) will be giving away 5000 Honey baked hams and a week’s worth of frozen food/groceries

to the unemployed and to single moms.

It will work the same as last year – drive-through service at the Cool ray Stadium on GA 20/Buford Highway. Pop the trunk, and the church

volunteers will put the food in the car, hand the driver a voucher for 4 baseball tickets to use anytime during the season, and then the recipient can be on their way.

The event will be December 17 at 1:00. There is no need to get involved in a sitting/parking frenzy waiting for the event to start, as

last year there was plenty to go around for hours after the start time.

You must remember that every property has a buyer, it's just finding the right price threshold considering the condition and age of the property coupled with current market conditions.

Overpriced - The main reason most homes don't sell is because they are priced too high. In this market you must consider recent comps along with the current condition and age of the property.

Curb Appeal (Exterior and Interior) - The landscaping and hedges need to be trimmed, Too many cars parked in the driveway and overgrown trees. You want the potential buyer to see the house free and clear of all clutter. The internal look of the home must be decluttered, take down all personal photos and clean out closets. Your home should be presented as a model home when on the market.

Improper Marketing - The house should be marketed on the local Multiple Listing Service and as many websites as possible. My company allows us to market each listing on up to 35 different websites in addition to the local MLS. A large percentage of buyers now search for homes on the internet prior to physically going out to look.

Owner Too Attached To Property - Sometimes the owner is too attached to the property to consider any reasonable offers to the property. If they've made upgrades to the property or remodeled, they believe that their home should sell for thousand's more than what the actual market value of the home is. Yes, in some cases you can command more, but it depends on the location of the property and the type of upgrades that were done. The mortage companies are more regulated now and if the buyer is getting an FHA loan, they will not be approved to purchase a home that is overpriced for the area. Recent comps and appraisals will be considered in the lender's approval process for the buyer.

These are the top 4 reasons your home didn't sell. If your home didn't sell, contact me for a FREE, No Obligation Comparative Marketing Analysis. Also if you are underwater and have suffered a hardship, I can assist you in doing a Short-Sale on your property.

Thanks

Terri Thomas

Solid Source Realty of GA

10900 Crabapple Rd., Roswell, GA 30075

770-475-1130 x 8907 Office or 770-309-3221 Mobile

Email: TerriSellsRealEstate@yahoo.com

www.HelpAvoidForeclosureStore.com

www.TerriSellsGeorgiaHomes.com

A foreclosure is more damaging to you than a short-sale. Did you know that if you lose your house to foreclosure you would be ineligible for a Fannie Mae backed loan for up to 7 years? There are some exceptions to this based on extenuating circumstances. For more detail on this refer to: efanniemae.com. However, if you successfully complete a short sale, you would be eligible for a Fannie Mae backed mortgage within 2 years. There is short sale help for distressed homeowners in Decatur, GA

If had an FHA loan at the time of the short-sale you would be eligible for another FHA loan after 3 years.

Your credit score is affected more dramatically in a foreclosure than if you do a short-sale. In a foreclosure your score can drop anywhere from 250 to over 300 points and your score will be affected over 3 years. The short-sale effect on your score should not be as dramatic. Only late payments on mortgage will show, and after the short- sale, mortgage is normally reported as “paid as negotiated,” “paid as agreed,” or “settled.” This can lower the score as little as 50 points if all other payments are being made. A short sale’s effect on your credit profile can be as brief as 12 to 18 months whereas a foreclosure will remain on your credit profile for as long as 7 years. There is short-sale help for distressed homeowners in Decatur, GA.

A foreclosure on your record could affect your employment. If your job requires security clearance (i.e. security officer, policeman, CIA ) and a foreclosure is on your record it could be grounds for immediate termination or reassignment. Employers have the right and are regularly checking the credit of all employees that are in sensitive positions. A short-sale is not shown on your credit report and is not a threat to your employment. The same applies for your consideration for future employment. There is short-sale help for distressed homeowners in Decatur, GA.

With all foreclosures, except in states where there is no deficiency judgment, the bank has the right to pursue a deficiency judgment which means that you may still owe the bank money after the foreclosure. The amount will depend on what the house sells for in the REO market. In a short-sale, however, it is possible to get the deficiency judgment is waived as long as the house sells at market value. Contact your local accountant for more details on this.

There is short-sale help for distressed homeowners. A Short-Sale is a viable option for distressed property owners in Decatur, GA. Give me a call today.

Are you behind on your mortgage payments? Are you thinking of making a fresh start? Whatever you do, don't walk away from your property and just let the bank have the house. Consider a short-sale as this would be less damaging to your credit and you would be able to buy again in a few short years. Some banks are even offering incentives to homeowners if they will do a short-sale as opposed to a foreclosure. Go to my website to see what options you have and give me a call. www.HelpAvoidForeclosureStore.com. You can also email me at: TerriSellsRealEstate@yahoo.com and call me at: 770-309-3221.

I look forward to assisting you in the short-sale process. Just remember that there is short-sale help for distressed homeowners in Decatur, GA

Terri Thomas-Real Estate Executive-CDPE (Certified Distressed Property Expert)

Solid Source Realty of GA

8052 Mall Parkway, #101

Lithonia, GA 30038

770-475-1130 x 8907 Office

770-309-3221 Mobile

www.HelpAvoidForeclosureStore.com

www.TerriSellsGeorgiaHomes.com

TerriSellsRealEstate@yahoo.com

There is short-sale help for distressed homeowners in Ellenwood, GA. There are other options available. Consider the difference between a Foreclosure and a Short-Sale.

A foreclosure is more damaging to you than a short-sale. Did you know that if you lose your house to foreclosure you would be ineligible for a Fannie Mae backed loan for up to 7 years? There are some exceptions to this based on extenuating circumstances. For more detail on this refer to: efanniemae.com. However, if you successfully complete a short sale, you would be eligible for a Fannie Mae backed mortgage within 2 years.

If had an FHA loan at the time of the short-sale you would be eligible for another FHA loan after 3 years.

Your credit score is affected more dramatically in a foreclosure than if you do a short-sale. In a foreclosure your score can drop anywhere from 250 to over 300 points and your score will be affected over 3 years. The short-sale effect on your score should not be as dramatic. Only late payments on mortgage will show, and after the short- sale, mortgage is normally reported as “paid as negotiated,” “paid as agreed,” or “settled.” This can lower the score as little as 50 points if all other payments are being made. A short sale’s effect on your credit profile can be as brief as 12 to 18 months whereas a foreclosure will remain on your credit profile for as long as 7 years. There is short-sale help for distressed homeowners in Ellenwood, GA

A foreclosure on your record could affect your employment. If your job requires security clearance (i.e. security officer, policeman, CIA ) and a foreclosure is on your record it could be grounds for immediate termination or reassignment. Employers have the right and are regularly checking the credit of all employees that are in sensitive positions. A short-sale is not shown on your credit report and is not a threat to your employment. The same applies for your consideration for future employment.

With all foreclosures, except in states where there is no deficiency judgment, the bank has the right to pursue a deficiency judgment which means that you may still owe the bank money after the foreclosure. The amount will depend on what the house sells for in the REO market. In a short-sale, however, it is possible to get the deficiency judgment is waived as long as the house sells at market value. Contact your local accountant for more details on this. There is short-sale help for distressed homeowners in Ellenwood, GA

There is short-sale help for distressed homeowners. A Short-Sale is a viable option for distressed property owners in Ellenwood, GA. Give me a call today.

Are you behind on your mortgage payments? Are you thinking of making a fresh start? Whatever you do, don't walk away from your property and just let the bank have the house. Consider a short-sale as this would be less damaging to your credit and you would be able to buy again in a few short years. Some banks are even offering incentives to homeowners if they will do a short-sale as opposed to a foreclosure. Go to my website to see what options you have and give me a call. www.HelpAvoidForeclosureStore.com. You can also email me at: TerriSellsRealEstate@yahoo.com and call me at: 770-309-3221.

I look forward to assisting you in the short-sale process. Just remember that there is short-sale help for distressed homeowners in Ellenwood, GA

Terri Thomas-Real Estate Executive-CDPE (Certified Distressed Property Expert)

Solid Source Realty of GA

8052 Mall Parkway, #101

Lithonia, GA 30038

770-475-1130 x 8907 Office

770-309-3221 Mobile

www.HelpAvoidForeclosureStore.com

www.TerriSellsGeorgiaHomes.com

TerriSellsRealEstate@yahoo.com

There is short-sale help for distressed homeowners in Stone Mountain, GA. There are other options available. Consider the difference between a Foreclosure and a Short-Sale.

A foreclosure is more damaging to you than a short-sale. Did you know that if you lose your house to foreclosure you would be ineligible for a Fannie Mae backed loan for up to 7 years? There are some exceptions to this based on extenuating circumstances. For more detail on this refer to: efanniemae.com. However, if you successfully complete a short sale, you would be eligible for a Fannie Mae backed mortgage within 2 years. There is short sale help for distressed homeowners in Stone Mountain, GA

If had an FHA loan at the time of the short-sale you would be eligible for another FHA loan after 3 years.

Your credit score is affected more dramatically in a foreclosure than if you do a short-sale. In a foreclosure your score can drop anywhere from 250 to over 300 points and your score will be affected over 3 years. The short-sale effect on your score should not be as dramatic. Only late payments on mortgage will show, and after the short- sale, mortgage is normally reported as “paid as negotiated,” “paid as agreed,” or “settled.” This can lower the score as little as 50 points if all other payments are being made. A short sale’s effect on your credit profile can be as brief as 12 to 18 months whereas a foreclosure will remain on your credit profile for as long as 7 years. There is short-sale help for distressed homeowners in Stone Mountain, GA.

A foreclosure on your record could affect your employment. If your job requires security clearance (i.e. security officer, policeman, CIA ) and a foreclosure is on your record it could be grounds for immediate termination or reassignment. Employers have the right and are regularly checking the credit of all employees that are in sensitive positions. A short-sale is not shown on your credit report and is not a threat to your employment. The same applies for your consideration for future employment. There is short-sale help for distressed homeowners in Stone Mountain, GA.

With all foreclosures, except in states where there is no deficiency judgment, the bank has the right to pursue a deficiency judgment which means that you may still owe the bank money after the foreclosure. The amount will depend on what the house sells for in the REO market. In a short-sale, however, it is possible to get the deficiency judgment is waived as long as the house sells at market value. Contact your local accountant for more details on this.

There is short-sale help for distressed homeowners. A Short-Sale is a viable option for distressed property owners in Stone Mountain, GA. Give me a call today.

Are you behind on your mortgage payments? Are you thinking of making a fresh start? Whatever you do, don't walk away from your property and just let the bank have the house. Consider a short-sale as this would be less damaging to your credit and you would be able to buy again in a few short years. Some banks are even offering incentives to homeowners if they will do a short-sale as opposed to a foreclosure. Go to my website to see what options you have and give me a call. www.HelpAvoidForeclosureStore.com. You can also email me at: TerriSellsRealEstate@yahoo.com and call me at: 770-309-3221.

I look forward to assisting you in the short-sale process. Just remember that there is short-sale help for distressed homeowners in Stone Mountain, GA

Terri Thomas-Real Estate Executive-CDPE (Certified Distressed Property Expert)

Solid Source Realty of GA

8052 Mall Parkway, #101

Lithonia, GA 30038

770-475-1130 x 8907 Office

770-309-3221 Mobile

www.HelpAvoidForeclosureStore.com

www.TerriSellsGeorgiaHomes.com

TerriSellsRealEstate@yahoo.com