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Randy Dockery

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Unemployed NC Homeowners

by Randy Dockery

Information taken from Claudie Burchfield

Breaking News -Starting December 1st, financial help is available for North Carolina homeowners who are struggling to pay their mortgages because they’ve lost their jobs or experienced other temporary hardships.

The N.C. Housing Finance Agency announced today that its new N.C. Foreclosure Prevention Fund is now available statewide through participating HUD-approved counseling agencies. The new program is financed by the U.S. Department of the Treasury’s “Hardest Hit Fund.”

“We expect the N.C. Foreclosure Prevention Fund will enable 21,000 North Carolina unemployed workers to keep their homes,” said A. Robert Kucab, executive director of the N.C. Housing Finance Agency. “By reducing the number of foreclosure sales, the effort will also help stabilize property values in communities across the state.”

Kucab said the Fund will make mortgage payments for qualified unemployed workers while they seek jobs or complete job training in a new field. Others, who through no fault of their own, have gotten behind on their mortgage payments because of divorce, illness or other temporary hardship, may qualify for help while they seek jobs to get back on their feet. The program is expected to be available over the next three to five years.

The assistance will be provided as a zero-interest, deferred loan of up to $24,000 or 24 months of mortgage-related payments. In high unemployment counties designated as "hardest hit", the maximum assistance is $36,000 or 36 months.

See listing of "hardest hit" counties here.

Homeowners will resume making their own mortgage payments at the end of the loan period. If the owner continues to live in the home for 10 years, the loan will be considered satisfied and no repayment will be due.

To be eligible, homeowners must have a good mortgage payment history prior to the job loss or hardship, have potential to resume their mortgage payments once the assistance ends, and meet other program guidelines.

For more information about eligibility, homeowners in Western North Carolina should call OnTrack at 828-255-5166 or 1-800-737-5485 or visit the NC Foreclosure Prevention Fund website.

The Treasury’s “Hardest Hit Fund” is authorized under the Emergency Economic Stabilization Act of 2008. It is available in 18 states and the District of Columbia, which have experienced high unemployment or a steep decline in property values. North Carolina was selected because of the large percentage of the population living in counties with high unemployment rates in 2009.

The North Carolina Housing Finance Agency is a self-supporting public agency. It has financed 196,000 homes and apartments in the last three decades, including 81,000 for first-time homebuyers.

 

RE/MAX Ranks Highest in Customer Satisfaction

by Randy Dockery

7/27/2011

Good morning,

I have extremely exciting news to share with you!

J.D. Power and Associates announced today that RE/MAX ranks highest in customer satisfaction, for both buyers and sellers, in its 2011 residential real estate survey.

That's right – we've earned the highest level of appreciation from BOTH groups of consumers, which is a remarkable statement about the Outstanding Agents in our organization.

I want to personally thank and congratulate every one of you for contributing to this prestigious recognition. It truly reflects your professional excellence, your enthusiasm for education, your commitment to distressed sellers, your individual drive, and many other qualities that serve the interests of your clients. Your efforts change lives, and those people have spoken.

Our team at Headquarters is working with J.D. Power and Associates to determine how we can use the results of the survey, as well as their name and logo. As soon as possible, we will let you know what the guidelines are.

In the meantime, celebrate this incredible achievement and enjoy the fact that once again you've proven yourselves to be the best in the business.

Congratulations!

Dave

Sent by Dave Liniger, Chairman and Co-Founder, RE/MAX World Headquarters

Rent is rising...it's time to Buy!!!

by Dexter Hubbard

Here is a very interesting article..."now" is the time to buy...there are some fantastic opportunities out there right now for first time buyers, vacation homes, and investment property.  Call me today and let me help you through this volatile housing market.

http://janiceruizzo.housingtrendsenewsletter.com/

Dexter Hubbard

828-361-4710

Information found at the Cherokee County

Court House in Murphy, North Carolina

If you are facing foreclosure, be assured that you are not alone. North Carolina has several resources to help you obtain foreclosure prevention counseling, mortgage payment assistance, and protection from fraud. You don't need to be behind on your mortgage payments to seek help. If you feel you are at risk, contact one of the state's free resources right away. We are here to help.

Free Counseling

Regardless of why you are in danger of foreclosure, you can access free counseling through the State Home Foreclosure Prevention Project (SHFPP), funded and led by the NC Office of the Commissioner of Banks. HUD-approved housing counseling agencies, state and federal agencies, legal assistance organizations, mortgage servicers and community organizations are working with the Office of the Commissioner of Banks to help you protect your home.

To get help, call 1-866-234-4857 or visit www.ncforeclosurehelp.org You will be referred to a HUD-approved foreclosure counselor and other services in your area.

Mortgage Payment Assistance

If you've lost your job or your income has been reduced, the NC Foreclosure Prevention Fund can pay your mortgage while you seek or retrain for new employment. You also may be eligible if you are facing a temporary financial setback, such as a divorce, serious illness or death of a co-owner, and need help to pay your mortgage while you look for work.

The Fund is offered by the NC Housing Finance Agency, a self-supporting state agency, and funded through the US Department of the Treasury. Services are provided by participating HUD-approved counseling agencies statewide at no cost to you.

If you qualify, the Fund offers zero-interest, deferred loans of up to $24,000 to pay your mortgage for up to 24 months while you seek or retrain for a new jo. In the state's high unemployment counties, the maximum is $36,000 (36 months of assistance). The loan balance is reduced every year you remain in your home after the fifth year, and is fully forgiven after the tenth.

Fraud Prevention

If you have been contacted by a foreclosure prevention or "rescue" company offering help, keep the following tips from the NC Office of the Attorney General in mind.

  • Beware of companies that require payment before they "Help" you. Its illegal to charge an upfront fee for foreclosure assistance in North Carolina.
  • Steer clear of companies that want you to make your mortgage payment to them, or who tell you not to talk to your mortgage company or to an attorney.
  • Watch out for investors who promise to pay off your mortgage if you sign over the deed to your property, but not the mortgage. The investor then rents your home back to you or to a tenant but doesn't make mortgage payments and the bank forecloses.
  • Check out companies with the Attorney General's Consumer Protection Division and your local Better Business Bureau, get all promises in writing, fill out your own paperwork and only sign it after reading it thoroughly.

To report a scam or check out a company, call the NC Attorney General's Office at 1-877-5-NO-SCAM or file a complaint at ncdoj.gov

NC Office of the Commissioner of Banks, Joseph A Smith, Jr. Commissioner

NC Housing Finance Agency, Sam Ewell, Jr. Chairman, and A. Robert Kucab, Executive Director

NC Office of the Attorney General, Roy Cooper, Attorney General

To learn more, go to www.NCForeclosurePrevention.gov. or visit www.ncforeclosurehelp .org or call me toll-free at 1-877-837-3002 or send me an E-mail at: randy@randydockery.com 

Randy Dockery

RE/MAX Carolina's Region Special Award Announcement

by Randy Dockery

A Letter from the RE/MAX Regional Vice President dated February 21, 2011 to Randy Dockery.

Dear Randy:

Congratulations, I'm very pleased to announce that you've earned the prestigious designation of being the RE/MAX Carolina's Region #1 Commissions Paid - Commercial Individual, in North Carolina.

This is a tremendous accomplishment and even more extraordinary given the vast challenges within the real estate industry during the past year. Your clients are fortunate to work with such a successful and dedicated professional, and we are even more privileged to have you in the RE/MAX family.

We sincererly appreciate your support of the RE/MAX organization.

Warm regards and best wishes for 2011!

Kerron Stokes

Regional Vice President

 

RE/MAX Carolinas Region

5075 South Syracuse Street, Denver, Colorado 80237-2717

Awesome Weather in Western NC

by Dex Hubbard

Played golf yesterday 2/23/2011 in a T-shirt. The sun came out yesterday afternoon and it was a great day on the links. Cherokee Hills Greens in Murphy North Carolina, are in great shape. The Poanna grass is doing great. The prices of Golfing in our area are some of the cheapest in the nation. Go to www.DexHubbard.com and see all the available Golf Course homes. You can also call Dex with any questions at 828-361-4710 or email him at Dex@DexHubbard.com See Link Below Foreclosure Home
http://www.navicamls.net/displays/?n=309&i=769639&k=LsNH

Clean Mobile Home Bordering USFS

by Dex Hubbard

There is a two bedroom , two bath home located in Murphy, North Carolina and the home is within a few hundred feet of lake Hiawassee accessed through United States Forest Service. The home is the last home on the left in a very small subdivision with minimal restrictions, fees, and covenants.  There is a storage building on the property. The land is cleared and partially wooded for privacy and there is no neighbor in the back yard except the occasional deer or turkey meandering in from Government Lands.  Oleo Ranch is a paved road that access's the property and the water source is a shared well with three people on the well and the well is on the subject property. Great value and there is a link below. My website also has this home on it at www.DexHubbard.com and my contact # is 828-361-4710.  See LINK BELOW, Call Dex
http://www.navicamls.net/displays/?n=309&i=769644&k=KvFf

5 + acre lot priced to sell

by Dex Hubbard

This 5+ acre lot will be sold soon as the sellers are pricing it to Sell. This heavily wooded lot sets in Creek Side Subdivision. The property is very private and has buried utilities and a coice of building sites. All I have to say now is 15,500.00 asking price. Close to Murphy, NC and the hospitals and the college and golf course.  Call Dex Hubbard Sr., at 828-361-4710 for details and view the property at www.DexHubbard.com .

Bear Paw Views...better than the rest!

by Dex Hubbard

Bear Paw Views in Beautiful Murphy, NC is an upscale Subdivision in the scenic mountains of  Western NC. The homes that are in Bear Paw Views above the averages by far. Custom homes abound in Bear Paw Views and some of the most friendly people have already found it. Truly gated, Bear Paw Views allows the comfort of knowing that your home is secure when you leave.  Wildlife surrounds the open and wooded areas of the subdivision, with deer, turkey, quail, rabbits and the occasional bear moving through eating the berries . The subdivision is well maintained and the roads are wide and not steep. If long range views are part of what you are looking for then this is the place for you. Dex Hubbard Sr. of Remax Mountain Properties knows this subdivision like the back of his hand and can show you all there is to offer. www.DexHubbard.com has a Community/Neighborhood link and there are testimonials on the site. Contact Dex with any questions or inf that you may need at 828-361-4710 or email him at Dex@DexHubbard.com

Mtn. Chalet Priced to Sell!!!

by Dex Hubbard

This new listing has two bedrooms and 3 full baths. The basement is finished and there is a mini-bar in the basement with tiled floors and surround sound in place. The bonus room in the basement could be used as a third bedroom. The loft bedroom will allow you to wake every morning with a great view of the Western NC mountains. This home is close to Lake Hiwassee and minutes away from two different marinas. You drive by Lake Hiawassee on your way to this home and USFS property is walking distance from this home. Call Dex at 828-361-4710, or email me at Dex@DexHubbard.com. www.DexHubbard.com

Displaying blog entries 1-10 of 71