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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

Displaying blog entries 1-3 of 3