The Homeless -- What can be done and can you help.....

Mortgage and Lending with Social Media - Infinity Home Mortgage Company, Inc

Being homeless has been a growing concern for many decades and keeps growing. How does one define homeless? There are a few varying definitions because of how someone can be accounted for. The main definition is that of someone who lacks a fixed, regular, and adequate nighttime residence.

HUD ( has devoted a whole section to those that are Homeless. Sure, most won't have access to these types of sites, but we can certainly read up on them and educate ourselves. Why? One might just never know what could happen to you and your family. One example could be loss of job over night that would possibly leave you with monthly mortgage payments that you could not make. Which would lead to foreclosure and then no place to live. One reason why they can't put a good estimate together is that there are those that stay with family in times of crisis.  

Awareness...... There is also the National Coalition for the Homeless (NCH). The NCH was founded in 1982, is a national network of people who are currently experiencing or who have experienced homelessness, activists and advocates, community-based and faith-based service providers, and others committed to a single mission. That mission, our common bond, is to end homelessness. This insert was taken from


Summary : Many of us might not be able to help at this time, but we can certainly read up on it and educate ourselves.  Just between HUD's dedicated page to homelessness and the NCH web page, there is a lot of useful information to make more of us aware of the services out there for those that are homeless.

Overall, shouldn't we be taking care of our own first?  Instead of worrying about others overseas.

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Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life
This is a great form of reaching out Jeff, I hope we can all help to end this from ever happening to anybody.  I know that is idealistic, but I love trying to turn the ideal into the real.  Thank you for posting this Jeff!
Jul 07, 2007 02:07 AM #1
David A. Podgursky PA
THE PODGURSKY GROUP @ Re/Max Direct - Boynton Beach, FL
THE PODGURSKY GROUP - Make the Right Move!

I'm not sure he is the best candidate we could see... but Rudy Guiliani did a great job with the homeless in NYC... he put them to work cleaning the streets, replanting the trees that had been long neglected and replacing the iron grates with mulch and flowers. 

In return they got showers, medicine, three meals a day, clean clothes and a return of their dignity.

He did great things to help move the panhandlers off the street and make New York City a better place to live, work and visit.

I'm definitely not campaigning for him... but he shows what one person can do to help the homeless

Jul 07, 2007 03:27 AM #2
Thomas Weiss
Thomas R. Weiss - West Palm Beach, FL


I know that we need to focus our attention over here for now, as opposed to other places but this has always been a problem and now more than ever you see families and veterans out on the street, it's a shame and it's seems to be getting worse...

I am checking those sites you posted, it would be good info for us:0)


Tom Weiss

Jul 07, 2007 03:40 AM #3
Teri Eckholm
Boardman Realty - White Bear Lake, MN
REALTOR Serving Mpls/St Paul North & East Metro
Jeff--Good reminder and good information. Many homeless are educated people and do have access to the internet at public libraries...It is great that there are resources out there for those who reach out for assistance.
Jul 07, 2007 04:18 AM #4
Jeff Belonger
Social Media - Infinity Home Mortgage Company, Inc - Cherry Hill, NJ
The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans

Jason...   the biggest thing is awareness and trying to reach out to those that need help. Not closing our doors on them.  Things happen....  

David.......  I have a lot of respect for Rudy Guiliani. You shared some information that I did not know about. I think just for the fact on how he keep law and order in the city.... how he kept everyone calm during 911 was a big positive. ANd I know from talking to people, that he did so much that was missed. Just as what you mentioned here. Thanks for sharing this.

Tom....  do we ever. We always seem to be helping so many other countries. What happened to helping those around us?  Our past veterans that have fallen on hard times. It's really ashame.  You hit the key on the head, FOCUS

Teri....  I totally agree, which is why I decided to write about this. Thanks for the compliments.

Jul 07, 2007 04:42 AM #5
Celeste "SALLY" Cheeseman
Liberty Homes - Mililani, HI
A lot of our homeless are on the beaches. Regardless of circumstance it is a huge problem and the state is finally doing something about it with outreach workers on the beaches getting info and directing them to the proper agencies. We also have built additional homeless shelters and the sad fact is that the housing market skyrocketed....therefore, so did the rental properties. The rest are drug addicts and alcoholics but still...they are being directed to the proper agencies for help.....if they want the help.  I worked extensively with both sides of the homeless situation and it is definitely something that we need to educate ourselves on if getting involved. It also takes hard work and effort to really get involved and volunteer for something like this. I have taken a break from it for the last four years because it took a toll on me.
Jul 07, 2007 05:22 AM #6
Joan Mirantz
Homequest Real Estate - Concord, NH
Realtor, GRI, CBR, SRES - Concord New Hampshire

Jeff...unfortunately it isn't just loss of employment pushing people over that fine line. It's also...Health Crisis's,Cost of Medicine without Insurance, back breaking changes in Credit Card practices, property taxes pushing people out of their homes and a lack of affordable housing!

Thank you for bringing this subject to the's one of those "things" people would rather not think about!

Jul 07, 2007 08:28 AM #7
Tony Gallegos
Cognicorp Mortgage Banking Advisory - Marietta, GA

This is both a very interesting and and complex issue in this country. It's definitely one we as real estate and mortgage professionals need to be aware of. Thanks.

Jul 07, 2007 12:25 PM #8
Jeff Belonger
Social Media - Infinity Home Mortgage Company, Inc - Cherry Hill, NJ
The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans

Sally......  that does sound like a huge problem. That was great that you did so much volunteering. I could see why this could burn you out, taking a toll on you. thanks for your feedback.

Joan..... I know that it's just not loss of employment. As I stated in my post, this was just an example that does take place. I wanted to keep this blog short and not write about 100's of reasons why. But as we both agree, this subject needs to be talked about more often.  thanks for your input.

Tony.....  I agree, it can be complex. But we need to step in and not use that as an excuse. thanks for the comments.

Jul 07, 2007 01:17 PM #9
Gary Bolen
McCall Realty - South Lake Tahoe, CA
CRS - Lake Tahoe Real Estate Information
Thanks for putting this out there. We don't have many homeless folks in Lake Tahoe, but when we were still in LA, well... there were a lot. We used to go down to skid row once a month every month to help.  Was a real eye opener.
Jul 07, 2007 02:19 PM #10
Lexa R. Montierth
NextHome Complete Realty - Tucson, AZ
Real Estate Sales Agent and Marketer

Jeff, something that not a lot of people like to bring up or think about, but I am glad you stepped forward and wrote about it.  You already know, but I featured this in Localism Week in Review.

Lexa Montierth 

Jul 08, 2007 06:00 AM #11
Bill Gillhespy
16 Sunview Blvd - Fort Myers Beach, FL
Fort Myers Beach Realtor, Fort Myers Beach Agent - Homes & Condos

Hi Jeff,

This issue also presents itself in our community, Fort Myers Beach, Fl.  One of the local churches had an outreach program for the homeless: food, showers, skills training, etc.  SOme of the locals were upset about the loitering, public intox, etc.  Finally, town council tried to ban the program !  Much public outcry and heated discussion about a difficult public issue.  No easy answers for sure.

Jul 08, 2007 07:48 AM #12
Karen Hurst
Rhode Island Waterfront!


I found this post through Lexas' featuring you on her Localism Week in Review!  Homelessness is the reason I went into the Real Estate business. There is a homeless website here in RI, and I am always on it. It also has apartments for rent. I especially like it to refer people who are losing their homes to foreclosure.

Do homeless people have Internet access???? We need to get the information out to them.

I am and have always been a crusader for homeless people. I find it a major tragedy of the United States that there is even one homeless person here. Thanks for the websites and posting this.

Jul 08, 2007 08:56 AM #13
Jeff Belonger
Social Media - Infinity Home Mortgage Company, Inc - Cherry Hill, NJ
The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans

Gary.... thanks for stopping by and commenting. It's nice to hear that you took your time to help out. I need to get back to doing this. I helped with a soup kitchen in Louisville, Ky many years ago.

Lexa..... thanks, that means a lot. Because I felt uncomfortable bringing this up a little. But we need so much awareness in todays society. Just educating people can sometimes make all the difference in the world.

Bill..... never any easy answers.  It would be nice to see local ball clubs to get more involved. And just making more people aware of this and working on the issues around us and not always overseas.

Karen....   well, that's good.  ;o)   That's pretty interesting to why you went into real estate. It sounds like a great story to a beginning of a great career.

Thanks for stopping by, for your comments, and for your support. 

Jul 08, 2007 09:13 AM #14
Brad Andersohn
Executive Director of Education at eXp Realty - Fairfield, CA
ActiveBrad - 707.646.1876
Jeff - it is a very depressing thing to see the homeless all across this nation.  We have many in the area, my wife and I often try to help them out with spare change and a smile.  I know it's not much, but we truly hope there is a solution for the homeless someday soon.
Jul 09, 2007 07:07 PM #15
Rebecca Savitski
BSR Real Estate Group - Cary, NC
NC Real Estate Listings
Great post - I believe in giving back however we can - there are several reasons people and families become homeless i look forward to your future posts on this subject. Maybe this will get Rainers thinking as how to be charitable throughout our communities.
Jul 11, 2007 10:58 AM #16
Larry Bettag
Cherry Creek Mortgage Illinois Residential Mortgage License LMB #0005759 Cherry Creek Mortgage NMLS #: 3001 - Saint Charles, IL
Vice-President of National Production
Great population to only seems to grow.  Nice to feature a give back
Jul 13, 2007 08:37 AM #17
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