We are the Multitudes, Lend us a Helping Hand - by Willie Nelson

By
Real Estate Agent with Keller Williams Realty Louisville East (502) 664-7827

I consider this beautiful and haunting song the ballad of Americans suffering a foreclosure and their Realtors valiantly helping them against the banking machine.

The name of the song is “Living in the Promiseland”, written by David Lynn Jones and masterfully sung by Willie Nelson.

Art has different meanings to different people at different junctures in their life. Today I interpret this poem and song as a plea of the multitudes caught no fault of their own in the housing crisis.

Their “dreams are made of steel” and they’re looking for freedom from the debt bondage but need help.

The banks are leading Americans through a “winding road across the shifting sand”. The banks make the winding rules, but they change them like shifting sand dunes.

Enough of my analysis. Please listen to this impassioned song and moving lyrics and keep in mind the plight of suffering Americans, the role of the banks, and how we can help as Realtors.

  • We can lend that helping hand.
  • We can help mend their broken dreams.
  • We can help trapped borrowers feel free again.

Being a short sale Realtor is a privilege. Sellers have dreams made of steel. We help them rebuild with the dignity they deserve. Click here to watch and listen or click on the image below.

Willie Nelson

Posted by

 

 

Dave Halpern, Realtor

The Dave Halpern Real Estate Group

Keller Williams Realty Louisville East

Website David.DavidHalpernRealtor.com

(502) 664-7827

 

 

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Rainer
244,055
Brenda Whitman, Live in Laramie Real Estate
Live in Laramie Real Estate, Laramie, Wyoming - Laramie, WY
Broker/Co-Owner, Laramie, Wyoming

I think the key words would have to be "through no fault of their own".  Many consumers were mislead and undereducated about just what they were getting into with some of the questionable loan practices that were out there.  How as realtors can we help now?  That is a very good question - I always encourage first time buyers to go with what they can comfortably afford, not necessarily up to the amount they are "qualified" for.

Jan 03, 2011 04:56 AM #1
Rainmaker
526,160
Dave Halpern
Keller Williams Realty Louisville East (502) 664-7827 - Louisville, KY
Louisville Short Sale Expert

Brenda,

Very wise to help your buyers distinguish between afford vs. qualified for.

Back in the pre-crash era, buyers were buying at market value which then by no fault of their own values crashed by 20% to 50%. Job market, rising gasoline prices and overall worst economy in decades made payments unaffordable and houses unsellable.

Jan 03, 2011 05:25 AM #2
Rainmaker
1,163,438
Paula McDonald, Ph.D.
Beam & Branch Realty - Granbury, TX
Granbury, TX 936-203-0279
I agree that we as agents are in a great position to help our clients. We just need the banks to do their part.
Jan 03, 2011 10:23 AM #3
Ambassador
2,089,859
Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional
Charles Rutenberg Realty - Clearwater, FL
Palm Harbor, Dunedin, Clearwater, Safety Harbor

Paula hit the nail on the head - we can only do so much if the banks don't work with us and right now they aren't!

Jan 03, 2011 10:49 AM #4
Ambassador
2,305,897
1~Judi Barrett
Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

Willie Nelson has been very proactive in helping farmers that were having difficulties and losing their land to the foreclosure process.  He takes it to heart.

Jan 03, 2011 12:36 PM #5
Ambassador
2,079,567
Fernando Herboso - Broker for Maxus Realty Group
Maxus Realty Group - Broker 301-246-0001 - Gaithersburg, MD
301-246-0001 Serving Maryland, DC and Northern VA

Dave, I read between the lines and see your main driver. . just like mine. . we want to help people and sadly the banks position themselves as the enemies

Jan 04, 2011 01:23 AM #6
Ambassador
1,706,758
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

Actually, we don't have problems with the banks except a few like SunTrust, but BOA, Wells, and Chase for instance are very cooperative. There are some changes I would like to see in short sales but these would come from FHA and VA. We have seen some go into foreclosure because FHA and VA will not let the appraisers use distressed comps, and the 1% limit on seller paid cost by FHA is crazy. 

Jan 04, 2011 02:48 AM #7
Rainer
27,803
Jan McNulty
RE/MAX Suburban - Arlington Heights, IL

I disagree Joe with the appraisers can not use distressed comps in this area. We are finding that homes that are not distressed are getting appraised at lower values because they are looking at foreclosures and short sales. Different markets -different times.

Back in the Hay Day, Banks had commercials on the TV, and in the Newspaper, that people were smart to refinance for vacations, colleges, cars, paying off that credit card debt and generally the good life- starting over. They allowed 105% to refinance and sadly the customers of those banks thought they could handle the payment. Come our economy downside, the lucrative jobs fell down, and their refinanced asset could not rescue them. I am saddened every day over the mistakes of yesteryear that we are paying for as a country today.

Sorry on to a market where the woman is 65, bought her home 7 years ago and lost her job. She is on unemployment and was advised by  Chase to apply to HAFA to find a Realtor and sell her home. Never borrowed equity, never missed a payment. Very sad.

Jan 04, 2011 03:47 AM #8
Rainmaker
468,500
Marcy Moyer
eXp Realty of California Silicon Valley Probate, Trust, and Investment Sales - Mountain View, CA
Probate, Trust, and Investment Specialist

David,

Thank-you that was lovely. However, for whatever reason the banks do seem to be more co-operative now than a year or two ago.

Jan 04, 2011 10:17 AM #9
Rainmaker
1,623,145
Marte Cliff
Marte Cliff Copywriting - Priest River, ID
Your real estate writer

Yes, many blame the borrowers for buying what they could not afford. But who misled them? Some loan officers... working under orders from the government... telling them that everything would be fine and they could easily refinance later at low rates.

Those folks who were qualified at teaser rates are the ones who really suffered. The real estate agents and the loan officers should have told them it was NOT a good idea. Never mind how much big government told them they had a "right" to own a home.

I love agents and loan officers who counsel buyers to get what they can afford comfortably... not the max they can qualify for.

Jan 04, 2011 01:45 PM #10
Rainmaker
131,817
Mike Henderson
Your complete source for buying HUD homes - Littleton, CO
HUD Home Hub - 303-949-5848

Great song, I haven't heard it in forever.  You are correct it's all about helping the people.

Jan 04, 2011 04:52 PM #11
Rainmaker
1,431,803
Gene Riemenschneider
Home Point Real Estate - Brentwood, CA
Turning Houses into Homes

I know that the banks are crushing this country and ruining people.  I am a free market capitalist and believe big business has a right to make money, but this is not a free market and they are looters.

Jan 05, 2011 03:17 AM #12
Rainmaker
648,710
DeeDee Riley
Lyon Real Estate - El Dorado Hills CA - El Dorado Hills, CA
Realtor - El Dorado Hills & the Surrounding Areas

Beautiful song, Dave.  "Room for everyone" maybe but unfortunately not the structure in place to take care of everyone.  Thanks for you post!

Jan 07, 2011 06:22 AM #13
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Dave Halpern

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