Do You Need Help with Anything Around Your House? Think Military..

When I needed to move from one house to another, I went to a wonderful website where I was able to hire military men or women who were looking for a part-time job. It was a wonderful experience and I've highly recommended this website to many others.

I posted an ad that stated that I needed help moving furniture and boxes. I stated what I was willing to pay and when I needed the help. My phone started ringing off the hook. I interviewed several and I hired 4 wonderful young men. They all had already been to Iraq and back.

These young men loaded the truck, drove to the new house, and unloaded the truck, putting everything together and where I wanted it. All in under 4 hours. I never had such a smooth move!

I fed them pizza and soda. Yea I know, but I didn't know how old they were.

You can inquire about all types of trades and experiences. The website appears to be available in almost every state for both full time and part-time jobs.

Please, next time you need a job done around your house, think HirePatroits.com.

Go to http://www.hirepatriots.com/ You won't be sorry!

Barbara Whisenant

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Need a Loan Modification or Refinance?

Are you thinking of trying to get a loan modification?

President Obama has tried to encourage the lending institutions to get on the train to helping homeowner, but the lenders have done their best to ignore all efforts.

Fannie Mae & Freddie Mac loans are the exceptions.

If you are in need of a loan modification or refinance, the first two places to visit are the Freddie Mac and Fannie Mae web sites, to see if your current loan is 1. Owned by them & 2. Your loan is eligible under their guidelines.

Look-up your address to see if your loan is either a Fannie Mae or Freddie Mac loan at these websites:

Fannie Mae http://loanlookup.fanniemae.com/loanlookup/

Freddie Mac https://ww3.freddiemac.com/corporate/

If your loan is owned by Fannie Mae or Freddie Mac go to http://www.makinghomeaffordable.gov

There are two options on the website
1. Home Affordable Refinancing
2. Home Affordable Modification

Look over both options to see if your circumstances meet their standards.

If your loan is not owned by Fannie Mae or Freddie Mac, you are at the mercy of your current lender.

Do not spend money by hiring one of the many loan modifications companies that have popped up all over the country. There is no magic formula to getting your lender to do a modification. If you have to pay money it is probably a scam. Please visit the government website that warns you of the various problems.

Beware of Foreclosure scams, go to: http://www.makinghomeaffordable.gov/beware.html

For more information on Short Sales & Foreclosures, please visit my website: http://www.Homes4SaleSanDiego.com.

Barbara Whisenant

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Military Families Being Hit Hard by Current Housing Decline

I recently met a wonderful couple who have become clients of mine in the Short Sale process.

Unlike so many others out there, they did not buy more house than they could afford, nor did the main bread winner lose his job. Their only down fall came from being in the US Military.

The husband was going to retire from the military after more than 20 years, but because the job market in his field dried-up, he reenlisted.

Having just recently returned from another tour in Iraq, they are being transfered to yet another location outside of the United States.

Because they purchased their home after the 2007 cut off, they do not qualify for the military to purchase their home.

This couple has tried everything for trying to sell it themselves to trying to lease out the property & of course the ever popular loan modification. Every where they turn, doors have been shut. Thus we are now trying to sell the property in a Short Sale.

Thru their research, this is happening to military families all over the country. All branches and all ranks are being affected.

This is a travesty!

We ask these family to sacrifice so much already and now we are ruining their credit on top of everything else.

Barbara Whisenant

Your Friend in the Business

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I told IndyMac that they were CRAZY!!

I have been working on a short sale with IndyMac since last year. What a frustrating ordeal! We have had an offer in since February. I call every week, sometimes twice a week. This Friday was the pits!!

In late January, I sent over the entire short sale package with a decent offer on a condo in Riverside, CA. (Riverside has been heavily impacted with all the defaults and continues to steadily decline in value.)

I had to fax the 89 page package over three times, because IndyMac couldn't find it. Then the customer service people would compain that I'd sent it over three times. "Yes", I would reply, "Your company couldn't seem to locate it the other two times."

A BPO was order on Feb 4th. It seems it never was completed. Keep in mind that I call every week, sometimes twice. At the end of March, I suggested that maybe they needed to order another one. Every BPO agent that I know only has a maximum of 3 days to complete their BPO's.

A rush BPO was order in early April and completed.

I received an approval letter in late April but they wanted money from the Seller and were reducing the commission to 5%. I notified them immediately that, 1. no the Seller had no money to bring in and 2. that this loan was a Freddie Mac loan and no they could not reduce the commissions.

The asset manager's assistant sent me an e-mail that she doesn't have any information for me and I would have to e-maill Robert Camarillo the manager, who of course never communicates with me.

I use to hear the banks didn't want to own properties but I'm certainly rethinking that saying.

Barbara Whisenant

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Just in today from HUD!

Good news for people wishing to buy manufactured homes on permanent foundations.

The 9/16 Mortgagee Letter http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/ removes the FHA-insured financing exclusion for manufactured homes located in a condominium development. This has been impacting both sales, refinances and Reverse Mortgages.

Many age 55+ communities in North San Diego County are now eligible for these types of homes.

If you have any questions, feel free to give me call.

Barbara Whisenant

Your Friend in the Business

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A Division of Richard Realty Groups, Inc 6986 El Camino Real, Ste. H, Carlsbad, CA. 92009 Cell: (760) 583-2107 eFax: (760) 496-1649

Top Stressful Jobs

The employment website CareerCast.com has named "real estate agent" as one of the top five most stressful jobs in the country, but not as stressful as being a surgeon or an airline pilot.

The site, which lists 200 jobs, said the top five most stressful were:

1. Surgeon
2. Airline pilot
3. Photojournalist
4. Advertising Account Executive
5. Real Estate Agents.

The least stressful were:

1. Actuary
2. Dietitian
3. Computer System Analyst
4. Statistician
5. Astronomer

Foreclosure Moratorium Is Over!

The ban on foreclosure sales and evictions from houses owned by mortgage giants Fannie Mae and Freddie Mac, which began as a high-profile effort just before the holidays to keep people in their homes as the government tried to come up with homeowner rescue plans, is over.

A Spokesman for Fannie Mae and Freddie Mac confirmed the ban ended March 31. Freddie Mac CEO David Moffett issued a statement at the time, saying the ban "provides a new measure of certainty" to families facing foreclosures during the holidays.

But its expiration didn't seem to merit the same level of fanfare, with some housing advocates caught by surprise.

This means that more hidden inventory will come on the market! Additionally, it is spring traditionally a great time for home sellers. The sellers will have to compete with a glut of new foreclosures.

Barbara Whisenant
Short Sale & Foreclosure Specialist

www.Home4SaleSanDiego.com * www.Twitter.com/barbarawhis * www.LinkedIn.com/in/barbarawhisenant