Today, I'm making the call.

After my recent post about a struggling homeowner that wanted to get help from his bank and the bank turned a deaf ear.

The post in case you missed it. Is it greed, or is it me? Can you believe 167 comments?

I am calling in a favor today. I am going to call the president of a local bank that I have been doing business for nearly 30 years.

Good thing is, this president started out as a loan officer many years ago. I went to him when I needed a loan to jump start my business way back then.

Every time I see him in the bank he wants to talk about everything from the economy to my business's future.

I have informed the home owner yesterday I was going to call someone on his behalf. He said any help would be great.

Now we will see if I have any kind of "pull" when it comes to helping someone with a bank.

I wish everyone here in the Rain a wonderful day.

  

 

Clint  McKie

Owner of Desert Sun Home Inspections Carlsbad, New mexico. Eddy County's only certified home inspection service Serving all of South East New Mexico. We inspect the homes entire structure from the roof to the foundation, and everything in between. Most reports within 4-24 hours from time of inspection completion. We issue a PDF report with pictures Starting at $250.00 for each home inspection. Why settle for less when you can have the best?

When it comes to Quality home inspections. Simply put, we are the best.

1-575-706-5586   www.carlsbad-home-inspector.com Call me for the latest specials.

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This post has been included in New Mexico Real Estate News Eddy County, NM Real Estate News Artesia, NM Real Estate News North Side (Artesia, NM) Real Estate News
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Post is included in group: CUSTOMER SERVICE
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32 Comments on Today, I'm making the call.

20 Most Recent Comments Displayed Show All

JAN
03
2012
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hello Lenn,

Man that's a lot of questions. LOL

I know a few of them though.

1. fixed thirty year note.

2. 45% equity.

3. 90% of the previous income.

4. Unknown.

5. Unknown.

6. Upper "eights".

Yes they have a savings account. When they bought the home they did a large down payment.

These are a few answers to the questions for the banker. I do know a lot of these answers because we have talked long and hard about the home getting a refi.

Best, Clint McKie
7:27am • #13
280,016 Points Outside Blog Attended Rain Camp Called Shot Master

Clint, It is the right thing to do no matter of the outcome. Keep us informed and I hope this gets worked out in a positive way! 
7:30am • #14
319,713 Points 10 Featured Posts Outside Blog Called Shot Master

Clint, the next best step for your neighbor would be to have them begin working with a licensed NM real estate agent or Realtor as suggested by (#3). The issues are complex as pointed out in (#6) and sadly time is of the essence. It appears from your earlier blog your neighbor does need competent professional advice from a professional who is experienced and successful in short sales. This will be one of the best things you can do for their family today. Why not contact your local board and ask them for a list of agents certified in this area? Give them the information and encourage them to make the call. As (#6) suggested the bank president can only do what is possible.
7:32am • #15
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hi Cathy,

Wait till you try and "burst my bubble". LOL

I will have to wait and see what transpires.

Thank you for the comment.

Best, Clint McKie
7:34am • #16
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hi, Mr. Bond.

I'm just going to see what I can do for them. Nothing else. They may need a lot more help than I can give. But it's worth a try.

Hello Dorie,

I am frustrated for them. I have been thinking of this ever since it was brought up when he lost his job.

I just hope to help. Or at least push him in the right direction for the help.

Hey, Keith,

Yes, I will. It's kinda neat seeing the way this may play out.

Hello Emily.

The home owner is not looking for a "short sale". He needs a "simple refi".

The current rate for the loan as of today is 6.25% fixed. Maybe he can get a refi down to about 4%.

A wait and see game for sure.

Thank you all for the comments, Best. Clint McKie

 

 
7:47am • #17
492,586 Points 29 Featured Posts Outside Blog Called Shot Master

It takes these types of random acts of kindness that really impacts people around us. My compliments to you and good luck with your mission.
7:53am • #18
127,312 Points 8 Featured Posts Called Shot Master

Good morning, Clint. I wish you luck. Sadly, today banks are not like what they were in the movie "It's a Wonderful Life"... 
7:53am • #19
972,827 Points 348 Featured Posts Attended Rain Camp Called Shot Master

Good luck with it Clint.  Let us know what happened!  Remember, they will do nothing that is not in the bank's best interest.  Nor should they.
7:56am • #20
577,854 Points 2 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

Good morning Clint,

It will be interesting to see how the bank responds.  You will have to keep us posted on this one.
7:57am • #21
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hi Right trac,

Just trying to help a friend in need. I know it's going to be a long road. But it's a wait and see game.

Hello Michael.

You just never know what will transpire. I need to do what I can though.

Hi Jay,

The bank is a good one. I just hope the President will listen to me and steer my friend in the right direction for help.

Hello Cindy,

I will, it's been interesting to say the least. I hope it will all work out in the end.

Thanks for all the comments.

Best, Clint McKie

 
8:17am • #22
933,611 Points 74 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

Clint: I agree with Lenn.  Go in with low expectations so any help you can get the homeowner is appreciated.
8:56am • #23
685,816 Points 22 Featured Posts Localism Sponsor Outside Blog Attended Rain Camp Called Shot Master

Thanks for being a stand up guy and trying to help others Clint.  Regardless of the outcome it seems like the right thing for you to do.
8:29pm • #24
JAN
04
2012
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hi Anita,

Just looking to help out if a all possible.

I did stop by the office today. He was impressed with me wanting to help a friend.

He is going to have the mortgage loan manager call my friend and set up a meeting.

Thanks for the visit. Best, Clint McKie
1:34am • #25
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Thanks al.

It's a wait and see now.

The bank is supposed to call him and set up a time for a meeting.

Have a great day in Ormond.

Best, Clint McKie
1:38am • #26
795,005 Points 80 Featured Posts Outside Blog Attended Rain Camp Called Shot Master

As you say Clint you need to make your best effort for this homeowner...I hope he is digesting it well & is able to move on it...good for you to stepping up...we all need to do that in life for others.
6:42am • #27
667,599 Points 8 Featured Posts Outside Blog Hit Router Called Shot Master

Clint you're a big boy and I applaud your warm heart but what happens if your banker friend goes along with your idea and they still default on the loan?  I've found out through the years business in business and unless it directly affects me I don't get involved
7:13am • #28
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hi Ginny,

I have to do what I can for this friend. He has four chidren with three of them in middle and high school.

The fourth child just graduated and is working in the oil field. He helps with payng the utilities. And helping with the payments on the home.

Best, Clint McKie
7:16am • #29
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Hi James,

I don't think they will. He wants to refi only the amount owed nothing else. with nearly 50% equity, they are a good risk.

They have a reserve to deal with if it comes to being late or even worse.

See my latest post about the meeting on Friday.

Have a great day,

Best, Clint mcKie
7:47am • #30
JAN
10
2012
524,476 Points 46 Featured Posts Outside Blog Called Shot Master

Good Morning Clint, I read all of your posts about helping out your friend and couldn't be prouder than if you were a personal family member.  We never know if we can make a difference until we try.  I really believe these bank people will try harder than they might have because you took the time to put a very personal touch to the whole situation.

Even if they can't help your friend (and I hope they can), you have done a generous thing and enabled them to do so also the next time they find they can make a personal difference.  You're a good guy.
7:46am • #31
476,574 Points 58 Featured Posts Outside Blog Called Shot Master

Thank you Mona.

The best thing about it is that John had mentioned a "re cast loan".

He was going to meet with his bank yesterday, but I have not heard from him a of yet.

I hope they will do this first before a "refi" with another bank.

I think this will get worked out for the better in the long run.

Thanks for the comment, and have a great day in North carolina.

Best, Clint McKie
7:54am • #32

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Clint Mckie Desert Sun Home Inspections Home Inspections in Carlsbad New Mexico

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