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It seems not so long ago that I took the leap and started posting to Active Rain......
I have met wonderful people, generated business and learned so very much! It has been 6 years of worth it!
I learned a long time ago that if I was going to get fulfillment from working...it had to be fun....it isn't just about the money!
For me....it isn't fun anymore. Instead of anticipation I feel dread, instead of challenge I see only obstacles, clients are frustrated, depressed and angry. Even new home buyers...are stressed and distrustful of the system.
This year....after many starts, stops and fizzles ....I have decided it is time to move on from here, hang up my Realtor Hat and seek a new endeavor.
I may re-visit my 20 years of experience in the world of food....maybe volunteer some more or perhaps something I haven't even thought of!
I want to wish all of my AR friends success and positive vibrations...this has been a trip!
This forum has morphed into a family! We celebrate the sucesses and mourn the losses The loss of Karen George, Laurie Manning and Carole Provenzale...deeply affected us all!
Thank You Active Rain for such a rewarding forum and Thank You friends for reading, commenting, critiquing.... and especially caring!
And those of you who want to stay in touch ...pop over to Facebook and say Hi!
One can't have too many "friends"
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
As reluctant as I am to say goodbye to Summer....the choice is not mine!
Hearing the August crickets is the warning...Winter is coming, Winter is coming!
The dread is tempered by anticipation. The anticipation of the Beauty of Fall.
This years peak was beautiful and the weather was perfect. My husband and I each grabbed a camera and went off for a day of "leaf peeping" and exploration.
No matter how many years we've repeated this ritual...It is a new and rewarding experience each time!
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ENJOY YOUR JOURNEY !!
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NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
In todays climate any Finance Option that may help is a welcome addition. Williams post explains a possibility that may serve to help.
Just maybe your Client could benefit! Via San Diego Real Estate Voice authored by William Johnson GRI CRS e-Pro CDPE (RE/MAX Associates):
San Diego Real Estate | Re-Casting Your Loan
For those that are having difficulty refinancing their home loans, there may be yet another tool in the lenders arsenal that is little known or discussed. For the homeowners that have actually regularly paid their mortgage principal far ahead by making principal reduction payments and built a lot of equity by significantly paying down their principal but who now may be having difficulty meeting their high payments, there may be answer.
Some lenders can offer an instrument that is very often overlooked because it is not readily known about nor spoken of very often, if at all. It is called mortgage recasting and you can think of it as a mortgage re-amortization.
Some lenders don't offer this product and for some loans it is simply not available. The problem is , if the mortgagor doesn't know about it or doesn't know to ask about it , there is a great likelihood that no one will even mention this to the owner of the note.
The best way to think of it is as a safety net. This is not a refinance product and as such there are typically no closing costs but rather a low cost fee usually in the range of a couple hundred dollars. It works like a re-amortization in that the current loan balance is re-spread out over the remaining period of the original loan. Assuming that the principal has been reduced significantly or will be during the recasting process, it then take the new lower principal and spreads it out over the original term of the loan. With fixed rate loan, any significant reduction of the principal would only shorten the term of the loan and not the payments. If for example there is 20 years left of the original 30 year loan and the principal is now reduced with a significant payment, a re-casting of the mortgage spreads your lowered principal balance over the remaining term, thus reducing the payments. If a significant payment was made it does not change the interest rate. That would require a refinance of the loan and obligates the borrower to significant closing costs but the borrower could likely save a lot on the lowered interest rates.
But if the mortgagor can't qualify under today's current guidelines for a refinance, this might be a good avenue to explore for lowering payments. The mortgagor must check with their lender to see if the product is available. Again, not all lenders offer this product.
As an alternative to refinance, this product could be a benefit to both the mortgagor and the lender. Beneficial to the lender that might loose the current loan to a refinance and risk losing the borrower . It can certainly be beneficial to some mortgagors if the budget needs cut to survive these difficult economic times and especially if the mortgagor has significantly reduced the loan principal. Typically this might done where the morgagor might have used significant cash reserves earning a low interest rate and significantly reduced the principle balance of a mortgage where the interest would much higher.
Editiorial: I had made an error in this post that the re-casting would spread the balance over the original term of the loan. A re-casting spreads the principle balance over the remianing term of the loan. Sorry for that error.
I offer this as information only and not as financial advice, nor do I know what lenders may offer this product. Any interested morgagor must contact their financial adviser or their lender to get specific information as to if any such product could benefit them or would even pertain to their particular mortgage.
If you are Buying, Selling or Relocating to San Diego and need help from a professional REALTOR®, give me a call or visit my San Diego Real Estate website and
sign up for Listing alerts for your favorite San Diego
Home and Condominium Property Searches.
I specialize in Single Family Homes and Condominiums
throughout the coast and inland areas of San Diego.
William Johnson, Certified Residential Specialist
Need Help and Guidelines for Buying or Selling a Home ? Search for Homes and Condominiums in San Diego County. " Voice of San Diego Real Estate Blog "
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NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
I have too much time on my hands!
As a result I spend much of it reading my substantial on line News subscriptions.
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The Daily Beast does a pretty good job of posting "snipits' of newsworthy news stories. So this morning I punished myself again by reading yet another story on the current Real Estate crisis....how we got here and how they aren't handling it!
This NY Times article about the hiring (or lack of) of Foreclosure processors will make your blood boil (unless you've become so jaded to what's going on you don't feel it anymore)
In this day and age of clever titles to suit all circumstances....Burger King kids sort of says it all.
(At least for a change they didn't pick on McDonalds!)
Keep up the fancy footwork Mr.Burger King...you can't stop now!
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
Robo-Signers: Mid level bank Executives who signed documents in bulk, attesting they had personal knowledge of the facts of "each"
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Yet another bank has joined the ranks of Institutions putting a halt on Foreclosures!
BOA is the latest to make the announcement following on the heels of GMAC and JP Morgan Chase.
(Wells Fargo and Citi have claimed no similar conditions.....ahh denial, by any other name is Financial Institution)
According to a recent NY Times Article, Lenders have been processing Foreclosures on a wholesale basis in order to get summary judgments!
Talk about a steep learning curve...the same sharp minds that sold these Mortgages in bulk, many to parts unknown, are attempting to solve the problem with the same mind set....to save a buck! {what was that definition of insanity?}
I'm not a Financial wizard by any stretch but I'm sensing another crisis on the horizon! As these are looked at on an individual basis...how many will prove to have not been merited? How many law suits will result?
It would appear that this coming to light was an unforeseen result of individual mortgages being examined for Loan Modification.What will this mean to our Market? That remains to be seen, but on the surface it would seem the result would not only reduce Listing Inventory but would also further shrink the Buyer pool by removing "bargains' from the Market.
On the plus side....it means that:
1- (in theory)More Homeowners will have the opportunity to stave off Foreclosure by having an opportunity for Loan Modification.
2- The unemployment rate will drop because of all the people they will need to hire to fix this!
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
  Everybody loves the Fair!
A few weeks ago we attended the Hopkinton Fair in Contoocook. New Hampshire.
The temperature had been very hot for this time of year so we all decided to try the Fair at night!
I live quite close to the Fairgrounds so my husband, brother, sister-in-law, niece and I grabbed the baby's stroller....and off we went!
 Of course we have the obligatory Equipment Display! Wouldn't be the Fair without it!
Not to be out done by  Chainsaw Art!
But of course....since it was Dinner Time  Food was on everyone's mind!
Never Too Young
 The Texas Grill  Guys
Nellie-Vladimir-Steve
Serbian Grill Masters!
New Hampshire Fairs still emphasize Agriculture, 4-H Animal Raising and Horse Pulling so we spent a good deal of time in the various Barns.
 Ouch!!  I'm thinking Old Fashioned is best!
 This guy was truly Majestic! 
One Pooped Piggy 
There were plenty of other sites to see...
This Guy Was Extremely Annoying
  
Fun Was Had By All!!
There are still more Fairs left to attend!!
Deerfield Fair ~ September 30 thru October 3rd
Sandwich Fair ~ October 9th thru October 11
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
 
 
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
This is one of the most touching stories I have ever read.
I am a 6 year BC survivor but the courage, love and commitment of these two young people leaves me speechless.....
It speaks for itself....I am so touched to have read it! Via Michael Lange, ABR, CNE, CDPE, e-Pro GRI and Cheron Lange, GRI (United Brokers Group):
I felt this was worth forwarding...Amazing Courage, Amazing Love, God's Amazing Grace!
A friend of Michael's and mine had forwarded this onto us...this is too amazing and heartfelt not to pass on!
October is Breast Cancer Awareness, I have lost a few loved ones, not to breast cancer but to ovarian cancer...no matter what cancer, it is time to make everyone aware!
Please join Phoenix on October 10, 2010 for our Susan B. Komen walk...
This is just beautiful
The wedding.
Her name is Katie Kirkpatrick, 21 yrs old. Next to her is her fiancé, Nick, 23.
This picture was taken prior to their wedding January 11th, 2005.
Katie has terminal cancer and spends hours in chemotherapy.
Here Nick awaits while she finishes one of the sessions...
Even in pain and dealing with her organs shutting down, with the help of morphine,
Katie took care of every single part of the wedding planning.
Her dress had to be adjusted several times due to Katie 's constant weight loss.
An expected guest was her oxygen tank. Katie had to use it during the ceremony and reception.
The other couple in this picture is Nick's parents, very emotional with the wedding and to see their
son marrying the girl he fell in love when he was an adolescent.
Katie , in a wheel chair listening to her husband and friends singing to her.
In the middle of the party, Katie had to rest for a bit and catch her breath.
The pain does not allow her to stand for long period of time.
Katie died 5 days after her wedding. To see a fragile woman dress as bride with a beautiful smile
makes you think... happiness is always there within reach, no matter how long it lasts.....
Lets enjoy life and don't live a complicated life. Life is too short.
Work as if it was your first day.
Forgive as soon as possible.
Love without boundaries..
Laugh without control
and never stop smiling.
Please pray for those suffering from cancer.
We all have close to our heart.
Keep this going.
Prayers are always answered.
 
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You're Neighborhood Realtor© Cheron Lange
We proudly serve and sell Real Estate in all and around Phoenix, Arizona. If you are thinking about purchasing and selling your home in Phoenix, Chandler, Gilbert, Scottsdale, Tempe, Mesa, Fountain Hills, Paradise Valley and Queen Creek or other surrounding areas, and most importantly would like to work with a local expert... "Your Phoenix Area Specialists!"
Michael & Cheron Lange Realtors© - United Brokers Group
480-319-1000
Michael@phoenixareaspecialists.com
Cheron@phoenixareaspecialists.com
Copyright© 2008-2010 Michael & Cheron Lange
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Photos taken by: Michael K. Lange & Cheron Lange,
All Rights Reserved.
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This blog is written with my opinions. My opinions are presented with accuracy but not guarantees. Please talk to a professional before making any real estate or financial decisions. If you want to reprint parts of this, just email me for my permission at Cheron@phoenixareaspecialists.com.
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
The State of New Hampshire will be holding seminars to help homeowners to hopefully avoid Foreclosure.
The next seminar will be at CATCH neighborhood housing in Concord on Thursday from 6-8PM.
To be discussed:
- The Making Home Affordable Program
- The NH Mediation Program
- Short Sales and more....
There will be speakers. Some topics will cover foreclosure timelines, mortgage scams and deficiency judgements.
New Hampshire offers an all inclusive website that covers a wealth of information for homeowners in trouble!
It is definately worth a look!
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NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
 
NH's Four Seasons
Joan Mirantz - Joni is a Realtor® with Homequest Real Estate, a locally owned, Customer Service oriented Firm.
Joan Publishes a monthly Newsletter "Food For Thought" under the pen name Realtor Sherpa.
(Joan also answers to Miz Maven and Miss Joni.)
Joan works in Buyer and Seller Representation with concentrations in the Merrimack Valley Area and towns surrounding Concord NH - the Capital City.
"I love what I do, and it shows in how I do it"
Having crossed over to the "other side of Middle Age" herself....Joan is an ongoing source of information about local programs, facilities and issues specific to her peers!
Livin' the Life...and Ridin' the Wave
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Joan Mirantz GRI CBR SRES- Concord New Hampshire Realtor
Concord,
NH
More about me…
Homequest Real Estate
Address: Concord, NH, 03303
Office Phone: (800) 713-2057 x 8
Cell Phone: (603) 568-1485
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