Dawn Maloney, Hudson OH Homes & More...Because Life is More Than Real Estate

New Standardized Good Faith Estimate Effective January 1 2010

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Wed, 09 Dec 2009 07:26:08 -0600

As a buyer, there are many new terms and elements in the process that are unfamiliar along the way. This new form should make it easier to understand. As always, I am here for you to explain ANYTHING that is not clear. Thanks to Loreena Yeo for this clear summary of the new Standardized Good Faith Estimate Form.

Via Loreena Yeo - Broker|Realtor(R) of www.Frisco-TX-Homes.com (214) 783-2210 (3:16 team REALTY):

For the longest time, there was no standardization in good faith estimates presented by Lenders when a loan application is made by a borrower. In efforts to facilitate a better shopping experience for the consumers, HUD requires all lenders use the new standardized format for Good Faith Estimates effective January 1 2010.

At first glance, the standardized format of the Good Faith Estimate is easy to read, understand and digest by the average borrower.

The summary of the loan is displayed on the 1st page with answers about the loan such as:

(1) Can your interest rate rise? (Indicates if it is an adjustable rate mortgage)
(2) Even if you make payments on time, can the loan balance rise? (Indicates if it is a negative amortization loan)
(3) Even if you make payments on time, can your monthly amount rise? (Indicates if the account is escrowed or not)
(4) Does the loan have a pre-payment penalty?
(5) Does the loan have a balloon payment?

Lenders are held to a higher standard of accountability with the use of the standardized Good Faith Estimate. "Good faith" in the past will now be more of certainty, especially when it comes to the Lender charges. HUD requires that Lenders be sure to know how much they intend to charge their borrowers based on the information the borrowers provided.

The new Good Faith Estimate also utilize the Lump & Dump concept whereby HUD feels that the borrowers have been provided too much information in the previous good faith estimates. Items "A" on Page 2 of the GFE includes all origination charges. They are no longer broken down into Loan Origination Fee, Processing Fees, Tax Service Fee, Funding, Lender Feeds, Doc Prep Fees, Broker Yield Spread Premium, etc. Only information that could affect the loan is broken down into 2nd part of "A". According to HUD, the "bottom line" numbers is what the consumers care about.

This section of the Good Faith Estimate must be the same (ie. Zero Tolerance for differences) and borrowers can expect them to be the same on the HUD-1 settlement statement - if the terms and conditions of the loan are the same. Should there be a difference, HUD considers this Breached Tolerance and this breach will be cured with a credit at the closing table or writing a check to the borrower within 30 days of closing.

This brings Lenders to more accountability towards the accuracy of their good faith estimates to their clients. It is a good thing.

Other considerations could be expected should there be changed circumstances on these No Tolerance items above (ie. Lender charges). A changed circumstance may include acts of God, war, disaster, new information not known by the Lender, other information found not to be inaccurate.

There are other charges associated in purchasing the property. These items are found as part of "B" on page 2 of the GFE.

The similar lump & dump concept for Title charges in Section 3, 4, 5 and 6. These charges can deviate up to 10% on the HUD-1 statement - assuming that the borrowers services identified by the Lender. The total of these charges of page 2 on the GFE constitutes the "B" total.

Along with the "A" total and "B" total, these costs add up to make the Total Estimated Settlement/ Closing Costs. However, this is NOT to be confused with Cash Needed for Settlement. Items A and B DOES NOT account for Seller's concessions, property tax and HOA prorations, etc.

Page 3 of the Good Faith Estimate is also known as the "finishing touches" for the loan. It gives borrowers instructions on what cannot be increased at settlement, what may increase up to 10% and what could potentially subject to change.

There is also a tradeoff table for borrowers to see the various choices as provided by the same lender. Same loan with lower settlement charges or same loan with lower interest rates.

Last but not least, the GFE also provides a section to allow borrowers to compare various loan offers in the Shopping Chart section.

The use of the form is MANDATORY. In the past, lenders have created their own formats and some not providing one at all. The new rules as directed by RESPA must be furnished to borrowers:

Within 3 days of loan application.
A loan application is deemed taken by a lender with the borrowers' names, social security numbers, incomes, estimate purchase value, loan amount, other information deemed necessary by lender and property address.
This form must only be utilized if there is a specific property address.
While home buyers have used the GFE to shop for lenders, they could no longer do that. Without a property address, the industry believes that lenders will come up with "preliminary" GFEs without the actual property address.

Without 10 days of GFE issuance.
The GFE will be good for 10 days after the borrower receives it. The borrower MUST express an intent to proceed with the terms and conditions of the loan based on the GFE provided within 10 days business. After 10 business days, the lender is no longer bound by the issued GFE.

This is HUD's effort in facilitating consumer comparison shopping of Lenders. It is not the most perfect version out there but it is a much simpler method for an average consumer to understand. What this new GFE does not address is it does not specify the loan product (FHA, Conventional, VA, etc.) and it also does not inform the borrower the actual monthly payments in Principal, Interest, Property Taxes and Home Insurance (PITI). It only addresses the Principal, Interest and Mortgage Insurance (if applicable). The lender may furnish these information on other documents.

Download the new GFE here.

Related Articles:

How to Compare Lenders and Good Faith Estimates

Mortgage Interest Rates Spiked Higher Than Normal

100% Home Loans

Time Value of Money in Closing Costs

Myths about Tax Assessments vs. Property Values

*********************************************************************************************

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Contact:

Loreena Yeo
Realtor®/ Broker of 3:16 team REALTY
(214) 783-2210
loreena@loreenayeo.com

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Copyright © 2009 by Loreena Yeo (3:16 team REALTY)
Originally posted on New Standardized Good Faith Estimate Effective January 1 2010.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Free Webinar 60-Minute Short Sale Power Session with Dawn Maloney

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Sun, 06 Dec 2009 11:17:37 -0600

We had a great turnout last week - excellent response from attendees! I hope you can join me!

** 60-Minute Short Sale Power Session with Dawn Maloney**

Join me for a FREE Webinar on December 10!

Join us for this incredible FREE 60-minute Short Sale Power Session. This will be a information-intensive, nuts-and-bolts session that you will not want to miss!!

When: December 10, 2009
Time:
7:30am-8:30am PST
8:30am-9:30am MST
9:30am-10:30am CST
10:30am-11:30am EST

What will you learn in this session?

- The 5 Keys to Successfully Facilitating Short Sales
- The Components of the Short Sale Package for FHA, VA, and
Conventional Loans
- The Step-by-Step Process for Working FHA, VA, and Conventional
Short Sales
- The Lender Net Thresholds for Each Type of Loan
- Short Sale Math: How to Determine MLS List Price and Lowest
Offers that should or should not be considered!

Please be sure to join us for this exciting, information-intensive, webinar session! There is no other information like this being taught in the real estate industry.

The Training Team at America's Home Rescue
www.CDRSCertified.com

Title: ** 60-Minute Short Sale Power Session with Dawn Maloney**

Date:Friday, December 10, 2009

Time:10:30 AM - 11:30 AM EST

After registering you will receive a confirmation email containing information about joining the Webinar.

System Requirements
PC-based attendees
Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees
Required: Mac OS® X 10.4 (Tiger®) or newer

Space is limited.
Reserve your Webinar seat now at:
https://www1.gotomeeting.com/register/385261392

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Short Sale Changes Have Arrived!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Tue, 01 Dec 2009 15:28:08 -0600

It looks as if the Treasury Department has stepped in and set guides for short sales, according to Reuters:

http://news.yahoo.com/s/nm/20091130/bs_nm/us_treasury_shortsales

Inman adds this info: http://www.inman.com/news/2009/12/1/feds-incentivize-short-sales

The guidelines address the challenges faced daily by agents and homeowners:

Time it takes to approve an offer - mortgage servicers will now have 10 (TEN!!!) days to approve or disapprove a request for a short sale;
When done, the transaction must fully release the borrower from the debt;
Mortgage servicing companies are also prohibited from reducing real estate commissions on the sale, a practice which has stopped many agents from participating in short sales;
The guidance caps the aggregate proceeds to subordinate lien holders at $3,000, which will stem the "mafia bank" (so named by my most recent seller) in second position from keeping the homeowner as a hostage.

I am hopeful that these changes will help short sales move more quickly and help the economy recover faster.

I also hope that these guides will be applicable to those who are closing now and have closed this year.

May we continue to see improvements and continue to recover our housing market!

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

The Right Education for the Current Market = CDRS

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Mon, 30 Nov 2009 14:33:52 -0600

A New Set of Skills for a New Season in Real Estate: Getting the right education and training makes a world of difference!

11-30-09 - If you want to be a doctor, you go to medical school. If you want to practice law, you go to law school. Realtors who want to become specialized in a particular niche of real estate advance their skills by acquiring certain designations and certifications, well beyond their normal licensing requirements. With foreclosures on the rise and the increasing demand for Realtors to be well educated and trained in various aspects of pre-foreclosure related topics, it is imperative that Realtors become proficient in these niche disciplines.

Foreclosures continue to skyrocket and homeowners who may have fallen behind on their payments need to know where to turn to find out more about what options might be available when facing foreclosure. On a traditional listing, a homeowner is usually hopeful to get the price they're asking. In a distressed situation, where the homeowner has a legitimate hardship, is behind on mortgage payments, and owes more on their mortgage than the property is worth, they typically must sell quickly to avoid foreclosure. Realtors must be properly prepared in knowing what to do if a situation like this arises.

As a Certified Default Resolution Specialist (CDRS), Realtors go through a comprehensive training program to learn how to assist in facilitating the decision-making process with a homeowner, to identify the best strategy for a homeowner who may not qualify for a loan modification or special forbearance. Some might say that it is the homeowner's responsibility to determine which option or alternative may be best for them, given their unique situation, but most homeowners truly don't know what to do in a situation like this. Reports show that, while some homeowners qualify and are taking advantage of the pre-foreclosure options made available through the Making Home Affordable Program and other government initiatives, too many homeowners are still too afraid to call their lender and find out what other options might be available to them. In many cases, the first person a homeowner calls when they're in trouble with their mortgage is someone they probably know and trust, who many times is their Realtor. Therefore, it is of utmost importance that the Realtor knows what to do, what to say, and how to determine the best strategy in moving forward. Getting the right pre-foreclosure education and training is essential to a Realtor's success in today's market.

Dawn Maloney is a licensed REALTOR® with RE/MAX Commitment, a member of the Akron Area Board of REALTORS®, as well as both the Ohio Association of REALTORS® and the National Association of REALTORS®. Dawn Maloney is also a distinguished member of the National CDRS Agent Network, offered through America's Home Rescue, a company whose sole focus is helping homeowners in pre-foreclosure situations by providing education and training to the real estate professionals in their community.

Dawn Maloney provides a free consultation to homeowners who want to find out more about their options if facing foreclosure.

Afraid you cannot afford help? Many homeowners will not pay real estate commission, back taxes and/or fees out of pocket, determined on a case by case basis.

For information: www.dawnsold.com or
Contact: dawn@dawnsold.com
Phone: 330-990-4236

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

60-Minute Short Sale Power Session with Dawn Maloney

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Sat, 28 Nov 2009 10:07:23 -0600

60-Minute Short Sale Power Session with Dawn Maloney

Join me for a FREE Webinar on December 4!

Join us for this incredible FREE 60-minute Short Sale Power Session. This will be a information-intensive, nuts-and-bolts session that you will not want to miss!!

When: December 4, 2009
Time:
7:00am-8:00am PST
8:00am-9:00am MST
9:00am-10:00am CST
10:00am-11:00am EST

What will you learn in this session?

Please be sure to join us for this exciting, information-intensive, webinar session! There is no other information like this being taught in the real estate industry.

The Training Team at America's Home Rescue
www.CDRSCertified.com

Title: ** 60-Minute Short Sale Power Session with Dawn Maloney**

Date:Friday, December 4, 2009

Time:10:00 AM - 11:00 AM EST

After registering you will receive a confirmation email containing information about joining the Webinar.

System Requirements
PC-based attendees
Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees
Required: Mac OS® X 10.4 (Tiger®) or newer

Space is limited.
Reserve your Webinar seat now at:
https://www1.gotomeeting.com/register/629665720

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

2882 11th Street in Cuyahoga Falls Ohio!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Fri, 06 Nov 2009 12:20:54 -0600

$119,900

A country kitchen that will be great for baking pies for Thanksgiving! Top Quality, Wonderful Price in Cuyahoga Falls!

See this well-maintained 3 bedroom Cape Cod, situated on a charming street in Cuyahoga Falls! A two tiered deck to enjoy all summer long, and sliders from the big eat-in kitchen allow you to enjoy the view and sounds of your own water feature!

Built with quality and maintained with love, this is definitely a home you will be proud to own!

And Uncle Sam can give you up to $8,000 if you are a first time homebuyer, or up to $6,500 if you have lived in your house for at least five years.

To see it today, call Dawn @ 330-990-4236.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Unexpected Results In Hudson Ohio

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Tue, 03 Nov 2009 12:50:20 -0600

It's always good to hear from a happy client...especially when that person has become a dear friend in the process. Thank you, Norm! You were wonderful to work with and I'm very glad to know you!

"Hi Dawn,

Just wanted to drop you a long overdo note of thanks for your very effective work in getting my house in Hudson sold. While your marketing plan was good, your hard work and effort on my behalf both getting me a contract and then seeing it through to closing was special. With the housing market the way it was ,I did not think I would get 3 offers and a sale in three and a half months.

Please feel free to use me as a reference to any of your prospective clients. Selling a house is tough on the seller even in a good market but you got me through it in fine shape.

Best regards,
Norm Vernon"

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

A Nice Testimonial from a Short Sale Seller in Cuyahoga Falls Ohio...

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Wed, 28 Oct 2009 11:22:12 -0500

"Dawn Maloney is one of the few realtor's who will take the time to work with 'short sales'. Her drive and determination to get the best possible settlement for her clients is unsurpassed! She worked with us for over nine months and challenged the bank with unwaivering determination to avoid foreclosure. She didn't stop there! She also negotiated a deal with a builder/contractor for us so that we would not have to move to low-income housing or live with relatives.

We would highly recommend Dawn to anyone who is facing foreclosure problems or just looking for a new home!"

Marg and Randy Simon

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

OPEN LETTER to Short Sale Sellers. If you really want to sell your property....

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Wed, 21 Oct 2009 20:57:18 -0500

My friend Pacita posted this information for short sale sellers. It's great advice to help yourself avoid foreclosure.

Via Pacita Dimacali - East Bay, North CA real estate (DRE 01367196 Phone:510 748 1148):

MY DEAR SELLERS

During a short sale, our mutual goal is to get an offer accepted as quickly as possible by your lender to prevent a foreclosure.

And as you already know, the effects of a short sale are far less damaging than a foreclosure or a bankruptcy.

REMEMBER YOUR GOAL: SELL THE PROPERTY!

Please understand that maintaining the home is still your primary responsibility during this selling process, whether you choose to stay or not at the property, remember what it takes to sell.

MAKE IT EASY TO SHOW YOUR PROPERTY

Keep the house looking nice inside and out. You literally only have minutes to make a good impression. Make that first impression count!

If it's messy and smelly, it won't sell. And if it doesn't sell, consider the alternative: foreclosure!

Allow the realtor to put a lockbox that other realtors can use to access the property.

How can we sell it if we can't show it?

Don't insist on unreasonable windows of time to show the property, such as showing only between 12 noon - 1 pm, or requiring 24 hours notice.

If you're serious about selling, you'll do your best to accommodate all interested buyers and their agents.

Keep the utilities on. Buyers, inspectors and appraisers need the utilities on to complete their respective activities.

A dark home is gloomy and uninviting. No power on will also make the home smell musty. Bathrooms and kitchens may show mildew. These are all unappealing and are turn-offs. Why take a chance? You'll only have to turn them back on for inspections later anyway. So just keep them on.

COMMUNICATE

Be accessible. Provide a number to best reach you, and return calls promptly

When you're going out of town, make sure you can still be reached by phone, email, fax.

Complete all required documents, especially your financial information, in a timely manner.

Keep your records current and handy. Don't pack away important information like your most recent tax returns, bank statements, pay stubs.

Keep the lines of communications open. Although doing a short sale transaction will take weeks from the time an offer is submitted, by the time the offer is ratified by the short sale lender, it becomes a race for time especially if the lender insists on a specific date to complete the transaction.

Your role as a seller doesn't end until the transaction closes escrow. What if the buyer backs out? We'll need to regroup quickly.

BE REALISTIC

Accept the possibility that your property may be worth less today than what you owe, or what you paid for.

What your house sells for should not be your primary concern. Protecting your credit and your future ability to buy a home in the near future, is.

Remember that as a condition of a short sale, you as the seller will not receive any funds from escrow.

So does it really matter to you how much it finally sells for? Just aim to get it sold!

You may have to spend a bit of money to spruce up your property , but consider that an investment to accomplish your goal

TAX RELIEF

Yes, these are challenging times. Nonetheless, remember the provisions of the Mortgage Forgiveness Debt Relief Act   "to amend the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes."

Key point in a short sale: the difference between what you owe and what it finally sells for was normally considered income, and would have been taxed as such....until the Mortgage Forgiveness Debt Relief Act was passed in December 2007, and applies to debt forgiven in calendar years 2007 through 2012.

As such, because this is not considered income, you may not have to pay taxes on it --- please consult with your CPA to get the complete and right answer.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Houses That Will Help You Get $8,000 1st Time Homebuyer Tax Credit!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Sat, 17 Oct 2009 21:48:57 -0500

These are NOT Short Sales! They can close in time for you to get your $8,000 First Time Homebuyer Tax Credit!

1740 10th St. Cuyahoga Falls Ohio

746 Hickory St. Akron Ohio

750 Hickory St. Akron Ohio

You can wait, or you can have a great house and a check for $8,000.

Your choice. Don't wait.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Get Your $8000 Tax Credit Here! 1740 10th St. Cuyahoga Falls Ohio 44221

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Fri, 16 Oct 2009 10:58:32 -0500

This is where you hit the finish line! If you are frustrated trying to complete your home sale in time to qualify for the $8000 tax credit, look no further. We can close on time here, but you will have to act quickly.

Look at what this fine home has to offer:

Furnace and AC installed in 2008,

newer windows,

gorgeous woodwork and hardwood floors,

sunlit eat-in kitchen

plus formal diningroom

fully fenced backyard

deck for entertaining

third floor for storage, or could be finished

appliances stay!

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

How To Buy A Bank Owned Home! Via YouTube - This is Funny!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Thu, 08 Oct 2009 21:11:21 -0500

This applies to banks in the short sale process...who's making up the rules anyway!!! Thanks for posting this Lisa!!!

Via Lisa Wetzel CDPE carsonvalleyland.com (RE/MAX Realty Affiliates):

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

A Great Place to Live Along the Towpath Trail!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Wed, 07 Oct 2009 23:12:50 -0500

New price!

Incredible financing available!

Built by Certified Green Builder!

Great location, close to Biomedical Corridor! Immediate occupancy available!

Close to the Ohio & Erie Canal towpath trail and just minutes from downtown!

Be a part of the Hickory Corridor Urban Renewal Plan!

Call to see this home in person today!

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

After a Short Sale, Will I Ever Be Able to Buy a Home Again?

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Wed, 07 Oct 2009 06:30:22 -0500

"Will I ever be able to buy a home again?"

Today I received another call from another homeowner in foreclosure. Burning questions that no one could (or would) answer were pouring out like lava, pent up emotions were finally being released in a meltdown of fear, frustration, sorrow, confusion, anger.

I just listened, acknowledged, and took notes, listening to learn if I would be able to help.

Eventually, in sharing with me, there was some relief from the pressure, and the courage to ask a question about the future arose: "Will I ever be able to buy a home again?"

Yes! As long as you can financially afford it with a steady source of income and a downpayment, YES. You will be able to buy another house in the future. Usually in about two years after a short sale, you will be eligible to purchase a home and get a loan.

If you opt for foreclosure, it will be seven years, but you will still be able to buy another home in the future, based on standards of the lending community as we know it.

A short sale will give the fastest return to loan eligibility. But even a foreclosure does not mean you will never be able to buy a home again.

The future looks better in time. Here's to your future homeownership and to your financial rescue today.

If you feel you have nowhere to turn for answers to your questions about short sales, loan modification and foreclosure, please call. I can point you in the right direction.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Handsome Duplex - 1486 Genesee Rd South Euclid Ohio 44121

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Sun, 27 Sep 2009 19:01:23 -0500

Invest in your future with this handsome duplex with ideal 2 bedrooms, dining room, side porch, appealing archways and gleaming hardwoods. Tenants will enjoy the fully applianced kitchen, quality and space these units afford.

Easy occupancy. Units previously rented for $750 each.

Live in one, rent the other - a great way to get started for beginning investors! Definitely a bargain...previously sold in the $150s, now available for $85,000.

This is a short sale, will not work for 1st time homebuyer tax credit deadline.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Ranch Home in Orrville, Ohio in Amish Country!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Wed, 16 Sep 2009 23:03:50 -0500

You'll love all the updates in this ranch home, centrally located to Medina, Canton and Akron!
Gorgeous maple cabinets, tile counters and stainless steel appliances in the 15 x 11 kitchen, remodeled in 2007.
Roof 1 year old, windows four years old.
Custom tiled sunroom with attractive ceiling fan, French doors and standalone fireplace that stays!
Finished basement with full bath features nice tilework and playful stainless sink.
Deck for entertaining, private nook for a hot tub or play pool.
Backs up to a beautiful park with picnic area, playground and gazebo.

MLS 3068810

$97,200

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

You're Invited to a "tweetup" Tonight!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Thu, 03 Sep 2009 14:48:21 -0500

Boldly going where I have never gone before, I am hosting a "tweetup" this evening at 7 p.m. at 746 Hickory St., Akron, OH 44301. Beverages and snacks will be served and we may have a bonfire, weather permitting!

Boldly going where you (may) never have gone before, will you join me?

What's a "tweetup"?

It's a chance to meet and chat in person all those fun people you have been talking to online. Most of my twitter friends are also on facebook, so I invited them...so this might be a "Facebook/tweetup" after all.

Why would I go to such a thing?

Meet new friends, get to know people better, have a drink, do some networking, have fun, etc.

Who will be there?

Now that's the question...I wanted to get an exact count, and I can't! This has been shared with a loooong list of people, by retweeting, calls, and emails...so we might have 10 people, 40 people or ??? But it's going to be a good chance to get to know online friends better in person.

I hope you'll join me...call 330-990-4236 if you need directions!

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Do You Text and Drive? (Warning! Graphic Content)

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Fri, 21 Aug 2009 14:49:05 -0500

Recently I was sitting at a stop light, checking my email. I glanced up, saw green and took off.

Only my light wasn't green.

It was the turning arrow for the lane to my left. I proceeded to run a redlight from a complete stop...because I was using my phone and went on autopilot. I couldn't believe it happened to me!

I'm careful. I'm a grown-up. I'm aware of how dangerous it is. Yet I did it.

Please do not text or read email when driving. Even if you are careful, one mistake is too many.

This video makes the point like nothing else you will see:

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

CITIMORTGAGE RENEGES ON PROMISE!!!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Fri, 14 Aug 2009 13:47:53 -0500

Thanks Adam Lauman and CitiMortgage for reneging on your promise to pay two junior lienholders...

You promised to do it, the entire closing hinged on your word in an email.

Now you won't do it.

I'm so glad we gave you so much TARP money so that you could leave people homeless and let the seller go into foreclosure.

We waited months and worked diligently to close this for the best possible outcome for all, including CitiMorgage.

All for nothing, because you lied at the last minute.

P.S. Thanks also for not returning anyone's calls. That is the icing on the cake.

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Step Right Up Hudson Ohio

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Tue, 11 Aug 2009 23:48:07 -0500

Step Right Up in Hudson Ohio is a fun family restaurant - really, two restaurants in one...Donuts in the morning, grilled hot dogs and meals in the afternoon and evening, all affordably priced.

Located at 5929 Darrow Road in Hudson, Step Right Up offers Sahlen's Hot Dogs made specifically to be charcoal grilled over a hot fire. They also grill hamburgers, chicken and sausage. They have french fries, sweet potato fries, onion rings and an array of fresh condiments that include chili, cheese and sauerkraut.

The service is great, and so is the food! I had a regular sized hot dog with stadium mustard, relish, ketchup and yes, onions! Yum! Add lemonade to drink and potato salad, and what a great grilled lunch! Next time I am going to try the sweet potato fries and sliders - they looked and smelled delicious!

The Lococo family is very proud of their place - from the history, theme and signs...

to the charcoal grill...that's Augie, today's grill master...

to the donut machine...too bad I came at the wrong time...free samples when hot sound delicious!!

Owner August Lococo based the restaurant on an amusement park theme with a mural and memorabilia from Geauga Lake. Old signage and pictures from the old Geauga Lake days hang on the walls. Most guests who come in the restaurant have an old memory to share with Lococo. Lococo's father, Gasper, was one of the owners of Geauga Lake before it was sold to Six Flags. When Gasper Lococo retired, he wrote his memoirs in a book titled "Step Right Up", thus came the name of the restaurant.

I left with a smile as I sipped my lemonade - I think you will enjoy Step Right Up in Hudson - let me know what you think! Tell the owners you read about it here!

Links:

http://www.steprightupohio.com

http://www.hudsonhubtimes.com/news/article/4504298

http://www.ohio.com/community/readernews/community/39152747.html

Thinking of Buying a Home?

Don't delay! Time is running short to be eligible for the First Time Home Buyers Tax Credit!

$8,000 First Time Home Buyers Tax Credit, ends Dec. 1, 2009.
Up to $14,999 3 to 1 MATCHING GRANT for First Time Home Buyers in Summit County (Not including Akron, Barberton & Cuyahoga Falls . Call Dawn to learn if you qualify.
USDA Home Buyer Financing, No Down Payment Loans.
Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Tired of Losing Sleep Over Your Mortgage?

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Sun, 09 Aug 2009 10:02:37 -0500

Tired of losing sleep over your mortgage? Are you behind on payments? Do you have little to no equity and think you are out of options?

Are you facing foreclosure? Ohio is facing one of the highest foreclosure rates in history!

Many good people in our area are finding themselves in this very situation due to life circumstances:

• Divorce

• Medical hardship

• Job loss

• Rising interest rates

• Increasing property taxes

We are a team of real estate professionals who work with homeowners in these situations. We have years of experience working with banks to help homeowners avoid the devastation of foreclosure.

There is no cost to you.

If we are able to be successful, your bank will pay us on your behalf. Why? Because we are helping the bank avoid the time and expense of the foreclosure process.

YOU ARE NOT ALONE.

Please call us today for a free and confidential consultation. There is no risk and you have absolutely nothing to lose in letting us try to help you find a solution.

We look forward to working with you!

Best regards,

Dawn Maloney, CDRS Elite

Real Home Rescue

RE/MAX Commitment, REALTOR®

$8,000 First Time Home Buyers Tax Credit, ends Dec. 1, 2009.
Up to $14,999 3 to 1 MATCHING GRANT for First Time Home Buyers in Summit County (Not including Akron, Barberton & Cuyahoga Falls . Call Dawn to learn if you qualify. *USDA Home Buyer Financing, No Down Payment Loans.
Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

PatriotTek Computer and Network Services Munroe Falls Ohio

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Sat, 08 Aug 2009 22:03:12 -0500

PatriotTek LLC Computer & Network Services is your IT department. They are the ideal support for small to medium businesses that rely on technology…but do not have their own IT department in-house.

Owner Jay Maloney spent years at a global Fortune 500 company, providing IT support as Facilities Manager. Now he provides network support for businesses and residential clients in the Cleveland-Akron market. His previous background in law enforcement is the foundation for his high standards of service, confidentiality and dependability.

I’ve included some of the letters of recommendation PatriotTek LLC has received over the years. PatriotTek LLC has developed a superb reputation for excellence, prompt service, trustworthy maintenance of confidential data, accessibility, as well as cost effective efficiency.

”As a small business owner, I know how important it is to watch out for the bottom line. I treat my clients the way I would like to be treated,” says Jay.

I am Jay’s wife and Vice President of Sales for PatriotTek LLC, so you might think I am biased…but our letters of recommendation reveal that our clients are positively biased toward the service PatriotTek LLC gives!

PatriotTek LLC is able to provide services not only in Northeast Ohio, but across the country, through remote support, IT outsourcing and site visits. Call or fill out the form below - after all, wouldn’t you like to be able to write a letter like this about your IT provider?

Open publication - Free publishing - More patriottek.com

Open publication - Free publishing - More patriottek.com
Open publication - Free publishing - More patriottek.com
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We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

542 Broadway East Cuyahoga Falls Ohio - Back on the Market!!

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Tue, 04 Aug 2009 00:08:50 -0500

542 Broadway East in Cuyahoga Falls is back on the market with a new price: $79,900! This is lower than 2000 pricing - plus the First Time homebuyer credit, you may be looking at quite a wonderful deal!
Owners have just added a new half bath on the first floor!

Take a look at the virtual tour, and then give me a call to see this incredibly well maintained bungalow, with newer windows, oak kitchen and trim, and very special master bedroom.
This is a home that has been maintained with a lot of love and care. You'll truly enjoy the private fenced yard, with raised beds and many perennials.
Like a neighborhood with plenty of walkability? You can walk to grocery store, bakery, restaurants, the Cuyahoga Riverfront events, and much more! It's one of the best locations for those who like to forsake the car and walk more!

$8,000 First Time Home Buyers Tax Credit, ends Dec. 1, 2009. Up to $14,999 3 to 1 MATCHING GRANT for First Time Home Buyers in Summit County (Not including Akron, Barberton & Cuyahoga Falls).
Call Dawn to learn if you qualify. USDA Home Buyer Financing, No & Low Down Payment Loans.

Dawn’s cell: 330-990-4236

Email: dawn@dawnsold.com

http://www.DawnSold.com

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Shisler's Cheese House in Copley Ohio

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Mon, 03 Aug 2009 00:19:51 -0500

Shisler's Cheese House, home of my favorite wrap in the universe (see below for details)! Actually, it's a great place for the best cheeses, wines and tasty gourmet coffees and treats...but if you don't know about it, you won't notice it. It's off the beaten path, so to speak, on Cleveland Massillon Road, near the railroad tracks, just north of Copley Circle.

The BEST part of stopping at Shisler's is the staff! They are very accessible and helpful - and they know about the cheeses and items offered, so don't be surprised if you can't stump them. Left to right, Dan, Jeryl, Stephanie and Nicci.

The offering of Ohio wines is very appealing, and the employees are great at helping choose the right wines to match your cheese/meal selections. Shisler's also offers wine-tastings, which are great fun! They are very knowledgable about organic wines and have a great selection of beers and ales.

As promised, here is my favorite wrap...turkey, cucumber, tomato, cheese, dab of mayo all on a sundried tomato wrap! With sweet maui onion chips, a deli pickle slice and rootbeer, DELICIOUS!

I always have to take 1/2 home!!!

Shisler's is beautiful inside and out - I recommend that you stop in soon on a sunny day and eat outdoors on the patio. You'll definitely be glad you found it!

On the web: www.shislerscheesehouse.com

Their main location is in Sugarcreek: www.shislerscheese.net

Stop by and say hi to owner Rita when in Sugarcreek - what a great lady with such a nice family!

TIME IS RUNNING OUT!!! $8,000 First Time Home Buyers Tax Credit, ends Dec. 1, 2009.
Up to $14,999 3 to 1 MATCHING GRANT for First Time Home Buyers in Summit County (Not including Akron, Barberton & Cuyahoga Falls . Call Dawn to learn if you qualify.
USDA Home Buyer Financing Outside of Summit County, No Down Payment Loans.
Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

Search for great homes here: www.dmaloney.remaxneo.com

Create your profile for the perfect home: www.DawnSold.com

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

"Ken Lewis, Please Help!" And he DID!!! Was it TWITTER???

Dawn Maloney, CDRS Elite (RE/MAX Commitment) — Thu, 30 Jul 2009 09:55:21 -0500

After waiting for seven months for an approval from Countrywide now Bank of America, we finally received approval.

What did it? Perhaps it was this email from the listing agent...

Dear Mr. Lewis-

Please forgive the informality of this correspondence, but brevity is warranted and time is of the essence. Our firm has been in contact with your short sales department since January of this year, and we still have received no resolution to our requests to negotiate this loan balance. We have complied with every request made by your company negotiators, only to find that those same individuals have slighted our efforts at every turn. The most recent insult (May I say "injury"?) was at the hands of the negotiator whose correspondence to us appears below.

Although the amount of this loan may be a mere pittance in comparison to the overall managed funds of your Billion-Dollar company, it is the World of Finance to our Client involved. Further delays to the attention of this file will continue to cause suffering and anguish to your customer, (name withheld).

We are asking that you will immediately direct this file to the attention of a management-level individual who is able to make an independent decision on the status of this loan negotiation request.
Again, we again extend our apology to you for the venue with which this message has been delivered, but we hope that you will cause this matter to be resolved with the utmost expediency.

Maybe...but immediately after this tweet:

Ken Lewis, please help!!! BOA Loan #********* has not been resolved after 7 months. (New approach since we are desperate!)

...we were told that the CEO's office would be taking over the case! And they did.

We were promised that we would have an answer in a week. And we did...

Today, we got our approval after 7 torturous months!!!!

Was the email? Was it the tweet? Was it both? What do you think?

I wonder...Does it matter that I am making progress on twitter ranking?

From twinfluence.com dawnmaloney's Rank: #1,245 (99%) and reach is 100%. I have the capability of reaching 100% of twitter if something is interesting enough...that's pretty big, considering the estimates for twitterfolk is now between 5 and 10 MILLION users.

How many licks does it take to get to the center of a Tootsie Pop? The world may never know...

We don't merely sell real estate.

We increase peace-of-mind. We increase wealth.

We make you happier.

Dawn's cell: 330-990-4236
Email: dawn@dawnsold.com

http://www.DawnSold.com

Dawn Maloney, Hudson OH Homes & More...Because Life is More Than Real Estate

New Standardized Good Faith Estimate Effective January 1 2010

http://www.DawnSold.com

Free Webinar ** 60-Minute Short Sale Power Session with Dawn Maloney**

http://www.DawnSold.com

Short Sale Changes Have Arrived!

http://www.DawnSold.com

The Right Education for the Current Market = CDRS

A New Set of Skills for a New Season in Real Estate: Getting the right education and training makes a world of difference!

Dawn Maloney provides a free consultation to homeowners who want to find out more about their options if facing foreclosure.

Afraid you cannot afford help? Many homeowners will not pay real estate commission, back taxes and/or fees out of pocket, determined on a case by case basis.

For information: www.dawnsold.com orContact: dawn@dawnsold.comPhone: 330-990-4236

http://www.DawnSold.com

** 60-Minute Short Sale Power Session with Dawn Maloney**

** 60-Minute Short Sale Power Session with Dawn Maloney**

Join me for a FREE Webinar on December 4!

http://www.DawnSold.com

2882 11th Street in Cuyahoga Falls Ohio!

$119,900

http://www.DawnSold.com

Unexpected Results In Hudson Ohio

http://www.DawnSold.com

A Nice Testimonial from a Short Sale Seller in Cuyahoga Falls Ohio...

http://www.DawnSold.com

OPEN LETTER to Short Sale Sellers. If you really want to sell your property....

http://www.DawnSold.com

Houses That Will Help You Get $8,000 1st Time Homebuyer Tax Credit!

http://www.DawnSold.com

Get Your $8000 Tax Credit Here! 1740 10th St. Cuyahoga Falls Ohio 44221

http://www.DawnSold.com

How To Buy A Bank Owned Home! Via YouTube - This is Funny!

http://www.DawnSold.com

A Great Place to Live Along the Towpath Trail!

http://www.DawnSold.com

After a Short Sale, Will I Ever Be Able to Buy a Home Again?

http://www.DawnSold.com

Handsome Duplex - 1486 Genesee Rd South Euclid Ohio 44121

http://www.DawnSold.com

Ranch Home in Orrville, Ohio in Amish Country!

http://www.DawnSold.com

You're Invited to a "tweetup" Tonight!

http://www.DawnSold.com

Do You Text and Drive? (Warning! Graphic Content)

http://www.DawnSold.com

CITIMORTGAGE RENEGES ON PROMISE!!!

http://www.DawnSold.com

Step Right Up Hudson Ohio

http://www.DawnSold.com

Tired of Losing Sleep Over Your Mortgage?

http://www.DawnSold.com

PatriotTek Computer and Network Services Munroe Falls Ohio

http://www.DawnSold.com

542 Broadway East Cuyahoga Falls Ohio - Back on the Market!!

http://www.DawnSold.com

Shisler's Cheese House in Copley Ohio

http://www.DawnSold.com

"Ken Lewis, Please Help!" And he DID!!! Was it TWITTER???

Maybe...but immediately after this tweet:

Ken Lewis, please help!!! BOA Loan #********* has not been resolved after 7 months. (New approach since we are desperate!)

...we were told that the CEO's office would be taking over the case! And they did.

Today, we got our approval after 7 torturous months!!!!

How many licks does it take to get to the center of a Tootsie Pop? The world may never know...

http://www.DawnSold.com

Free Webinar 60-Minute Short Sale Power Session with Dawn Maloney

For information: www.dawnsold.com or
Contact: dawn@dawnsold.com
Phone: 330-990-4236

60-Minute Short Sale Power Session with Dawn Maloney

60-Minute Short Sale Power Session with Dawn Maloney