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Stolen dream

Stolen dream

 

I got a call from a prospective client yesterday about financing a home he is purchasing. He was somewhat anxious because he is relocating from Ohio to South Carolina and due to close on the South Carolina purchase on June 17, which is in 2 weeks.  I explained to him that it is going to be tight, but it can be done if he gets me what I need quickly and he was more than agreeable. After further conversation I asked him why the short time frame and had he been working with someone else. His response was he started the process 3 weeks ago with the builder's lender and was just turned down today and that was the reason for the call.  As you can imagine all sorts of bells are going off in my head now and here's how the rest of the conversation went.

Me  - "Did they tell you why you were denied?"

Him - "Because I was a victim of credit fraud and the loan officer I was working with told me that all I needed was a letter from my attorney stating that I am a victim of credit fraud and he is working on it"

Me - "And the loan officer told you that would be sufficient to explain your credit issues to the underwriter?"

Him - "That's exactly what he told me, but he is not there anymore and someone else from the company called me this morning to tell me I was denied and very angry that I wasted 3 weeks with them."  

Me - "I'm sorry to have to tell you this, but based on your credit score of 534 and all the collections and charge off accounts on your report, I don't know of any lender that would entertain making this loan regardless of the reason. Unfortunately, this matter would have to be corrected before consideration and you credit score would have to be 600 at the very least. "

Him - "It doesn't matter that I was the victim of identity theft and my attorney is working on it?"

Me  - "Unfortunately the underwriter would have no way of knowing the reasons behind the credit so they have to take it at face value".

Him -  "Oh."

 

I explained to him that there are remedies for his situation, but they take time. I feel terrible for this guy and what he went through. I feel even worse that there is nothing I can do to help him on such short notice. 

He was robbed by a thief who stole his identity and then he was robbed out of 3 weeks of his time by an incompetent loan officer.  Now he is being robbed of his first home ownership dream and he will probably be robbed of his earnest money.

He will eventually get it straightened out, but not in time for his relocation.

*photo by Boaz Yiftach

           

lending nationwide

 

Ray Waisler - NMLS #6621

Home savings of America in GA

877-695-6284 - toll free direct

678-266-3301 - local direct

rwaisler@myhsoa.com

rwaisler@gmail.com

www.atlantarealestatevids.com

www.atlantamortgagehelp.com

 

 

 

ActiveRainPhotoBloggerContest : For Fear of Falling Down

The Heights We Shall Miss For Fear of Falling Down. Thursday May 15th, 2003 was a crystal clear spring day. The sun was shining in a near cloudless sky as the morning air was warming into the 60's. This was the perfect day for a two-plus hour photo flight. I had 8 locations scheduled near the New York / Connecticut border that I had plotted the previous evening. My Pentax 67 and lenses were in my bag along with 20 rolls of Kodak 400VC 220.

I arrived at the airport to greet the pilot, whom I was meeting for the first time. We quickly went over the flight plan and made our way to the tarmac to board the Schweizer 269C helicopter. I had flown in this type of three-bladed helicopter before and I really liked it as a shooting platform. For a small two-seat helicopter, it had power and felt very stable. Mike, the pilot, went over his pre-flight check list which included checking my seat belt - he reached across me to straighten one of the straps of my three-part harness.

After lifting from the pad and communicating our intentions to the tower, we flew to the south through the valley, climbing through one thousand feet and into beautiful views in every direction. The long island sound, numerous lakes, houses, ranch communities and distant mountain ranges were all around us. This was one of those rare severe-clear days when visibility at altitude is over 100 miles in every direction. The sky was so crisp in fact, that I could see the Empire State Building and Manhattan nearly 50 miles away quite clearly.

We found our first three locations (we call them targets) with out a problem, but the next one was difficult (this was just before we started using GPS to make locating targets easier as the norm) and we zig-zagged and orbited over a wooded area for nearly 10 minutes before we found our bearings. Feeling quite satisfied upon completion of this target, I began to make conversation with my new friend as I changed out another roll of film, and we once again climbed and turned south east to find our four remaining targets.

I thanked Mike for his excellent flying - he was so smooth and consistent in his orbit of the property that we flew through our own wake as we made circles in the sky. I said "Wow what a beautiful day!" and Mike replied in a very calm pilot's voice, "We have a problem."

I heard the weakening whir of the engine and rotors in my headset as we lost RPMs. We quickly began to fall from 1,200 feet in a steep left hand turn. I began to stow my gear and lenses in my bag - doing my job while I let the pilot do his. When I looked up again only seconds later, the scene that had once been a limitless horizon, was now roof tops, swimming pools, power lines and trees. I gripped my bag and stared straight ahead as we flew 20 feet off the ground into the back yard of a home where landscapers were mowing, hedging and watching us fly by.

Mike tried to slow us down so we could land in the grass by pulling back on the controls to flare the helicopter  - but we were too high and too fast - so he let the nose settle as we flew straight for the trees that bordered the property. I remember the rest in slow motion as vividly as if it happened today.

My bag in my lap, my right hand gripping the outer frame of the door-less helicopter, my view in the windscreen was rapidly filled with a wall of trees. We were about 10 feet off the deck when Mike tickled the nose a little bit to the right to avoid hitting a tree head on as we entered the woods. The engine was silent, and the wind over the blades was the only sound until the rotors made contact with the web of branches with a massive -CRACK- breaking the silence.

We immediately fell to the earth with another massive -CRACK- as I witness the glass windscreen break and separate from the panel as we impacted violently with a rock-scraping thud, rolled over to the left in a cloud of leaves, branches and dirt. I heard Mike say SH*T in my headset within the sound of twisting metal, flying rocks, gravel, glass and branches as we rolled.

Then there was silence. I don't know if I blacked out for a second, but the next thing I remember seeing was pavement, paper maps and glass and leaves all over my camera bag and lenses, which were scattered on the ground just below me. I then saw sneakers and the cuff of jeans. It was Mike, his training had kicked in, and he was already out of the helicopter assessing the situation while I was hanging nearly upside down in my harness. He yelled, "Get out - Get Out We're Leaking Fuel!" In a single deft move, I un-clipped, rolled and landed on my feet - climbing out of the front glass, scooping my camera gear and bag as I cleared the wreck, having visions of Reality TV car fires in my head.

Thankfully a fire never started as Mike grabbed a bucket from on site within seconds to capture the fuel. The landscapers and other witnesses now began encircling the scene as I grabbed my camera, loaded a roll of film and bent the mangled metal film door back into place. I heard sirens in the distance as I quickly walked around the aircraft and made several exposures. The first police officer on the scene, thinking I was the media, asked "how did you get here so fast?" I said " I came here in that!" pointing to the helicopter. He grabbed me by the arm and asked me to sit with Mike to wait for medical attention. Mike was in obvious discomfort and was complaining of pain in his lower back.

Within minutes every emergency service within 10 miles was on scene and we were ushered by ambulance to the nearest hospital for further evaluation. The rest of the day is kind of a  blur - with interviews for the doctors, police, FAA and NTSB taking up most of our time at the hospital. Mike and I both walked way with lower back injuries  - but are otherwise fine and still flying together 8 years later.

Mike told me that day that he promised himself he would retire if he ever had an incident - after 30 years this had been his first. Even though I did not know him very well, I knew pilots, and I sensed that he would continue to fly, and he did. The following week Mike and I were up again in a different helicopter flying on the New York /Connecticut border. We still had four targets to photograph and we needed to fly.

Mike and I have flown hundreds of hours together since our forced-landing. We have flown over 40 monthly shoots at the construction of the New Yankee Stadium. We have flown at dusk in Manhattan around the Empire State Building and Time Square, and in early mornings over the beaches of Long Island. We have flown in the hot summer and cold, cold winters at minus 8 degrees with the doors off. We have flown double dates with my Fiancee and Mike's girl. I simply can't imagine never flying again.

Flying is living - it is a part of life for me. Earlier that day I saw a quote attributed to Leonardo da Vinci pinned above the calendar on Mike's office wall. "When once you have tasted flight, you will forever walk the earth with your eyes turned skyward, for there you have been, and there you will always long to return." I'd like to add "The Heights We Shall Miss For Fear of Falling Down". My perspective and priorities were forever changed on that day, having faced what easily could have turned out badly a hundred different ways. One thing that was crystallized for me in this experience is the fact that life may be here one second and gone the next. It is important to live as large as we can dream and to share and experience this amazing gift with as many people, as fully as we can, while we are all here together.

Get Out There and FLY!

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The Blame Game

   

Motivational Power Quote

 

The Blame Game   

"A man may fall many times but be won't he won't

be a failure until he says someone pushed him."

Elmer G. Letterman, author   

     

As I see it. . . . . . . .

The blame game  

If a person doesn't stumble and fall in life they are not pushing themselves or try hard enough.  

At one time or another we all trip, stumble, fall and fail. Each one of them is mile markers along the side of the road and the tolls we pay on our success journey.  

We would like to think about our success journey as being an expressway with no tolls. In reality our success journey is a toll road and there is a price paid to become successful. Each toll that we pay moves us closer to our goals.  

Success will come as a result of being resilient and through our persistence, not in never having experienced a setback or a failure.  

The only real failure in life comes in quitting and in blaming others for our conditions.  

Successful people take the personal responsibility for the conditions that you find yourself in today and the responsibility to change the conditions to create the desired outcome.   

Blaming others for our conditions is a total waste of time and energy. It will not have any positive results and becomes a sentence to average. Taking responsibility is the fuel to change the conditions in your life and change the results that you have been getting.  

The blame game is a losing proposition that no one comes out as a winner. Take control of your life, take responsibility for your future and be willing to pay the tolls to get you the desired outcome.  

©2011 Lou Ludwig, Sales and Management Consultant, Success Coach, Speaker, Trainer and Author

 

Credit Repair a Blessing ? or a Curse ?

Trinity Enterprises LLC feels as though education is the key to helping consumers out of debt on a national scale. It's not always a loss of income in which landed debt but lack of knowledge many times. Credit can be a blessing and can also be a curse. Blessing when it comes to the home buying process because the average consumer does not have the funds to purchase out right their dream home or even a car for that matter.

The side that can be a curse when there is excessive spending on credit cards and not enough discipline to pay the debt on time or income to substantiuate a payment. Rule of thumb to protect your credit when it comes to credit cards is never over exceed 30% of your available line of credit. With the way most interest is configure you will end of pay more interest than you borrowed from the line of credit. Make you minimum month payments on time. After 18 month good payment history do not hesitate to call the creditor and ask them to increase the limit give you more to borrow from. 888-461-8555 Ext:3

Many people do not know the difference between secured credit and unsecured so I will now take time to explain it and which is best for credit scores. Secured credit is basically your own money in which you have borrowed from. Bank will allow you a secured line of credit when in your own personal credit history is not to their standards. This can be because delinquent items listed on your credit report or can be because of lack credit. Most banks don't want to be the first to lend to you. Also beware of the start up credit cards as they have high moth fees and interests rates however not all start up or credit building credit cards work the same way.

Unsecured is just the opposite. So I'm saying there is no deposite necessary, well maybe a small set up or annual fee but it's in no way comparison to putting your own money in to get your own money out. If the bank gives you 500.00 in unsecured credit than it's money in which you didn't put in in order to get it out. This means you either had a decent credit history, made enough money, or show steady deposits in your bank account. Trinity Enterprises LLC encourages unsecured credit as is has the most impact to credit scores and in most cases the dollar amount if far large the secured lines of credit. 407-860-6330

This boosts scores because it says there was nothing that you had to so great in order to received credit or the funds that were extended to you. Another word of advice is to always have a steady Bank account and do not hesitate to ask your back about their credit lines and investment accounts. There's no need of having your funds in a bank in which the bank makes interest from your money and you do not see the benefits. I know personally Chase has an awesome money market account and is very reasonable with the interests rates on credit card.

If you were declined for a credit card from a Bank, ask the bank what credit bureaus did they pull from. This can be Equifax, Experian and TransUnion. If you need help in obtaining a copy of your credit report contact Trinity Enterprises LLC credit repair services base in Winter Park Florida. We can pull a copy of your credit report and tell you what items need improvement so that you are no longer declined for credit in the future.  Credit repair can be the difference between you getting unsecured credit or secured credit. High interest rates credit card are a bumper and have alot of people down these days but it doesnt have to be that way, get educated and fix your credit. Fixing your credit report can be a simple as hiring a professional or doing it yourself. I would advise if you do not have the time or patience to do it yourself to hire a professional because many consumer make their credit reports worse by not know how to removing the negative items causing them all to be updated dropping their scores. 888-461-8555 Ext: 3

Remember if you plan on challenging account your credit report the dispute type "account not mine" is not the solution as it could cause the item to be re-reported with an earlier date dropping the scores nearly 30 points per item re-reported.

Another word of advise.... You do not have to be bothered by collection agencies at work. The Fair Debt Collections act says they must respect your privacy. Just ask them not to call, if they continue to call, please contact Trinity Enterprises LLC Complaint's department and will aid you in filing a complaint. Now I have a covered quite a few thing, I trust that this has been education and music to your earns. Until next time... Trinity Enterprises LLC wishes you and wonderful day. 407-831-2525

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