Valley Fire Victims Lake, Napa and Sonoma Counties

Home Inspector with, covering the USA S0289

What a tragic event that you are having to endure. We are so very sorry for your losses. You have to take action however and we are trying to get the word out.  Don't let anyone remove your foundation. 

When Katrina hit years ago, we volunteered to get down there and see what we could do to help, HUD told us no, we have it under control. Then FEMA moved those temporary trailer housing into the area, many people relocated, wow, we'll we are sad to report the government didn't do much to rebuild, in fact, very little if anything. The homes around New Orleans are still in disrepair, the water and sewer systems are still not in and operational, and we could have done all this if they had only let us.

We cannot let this happen in CA, These cities and towns and you and your neighbors deserve much more. Lets work together to help get these areas back on line and get these lives back to a normal existence.

We need a place to have some town meetings in case you are in one of the fire devastated areas. Our team will come in FREE of charge and explain what we feel are your best options. No obligation but there are a good many of you and your neighbors that will do one of the following:

1) Get your insurance money and rebuild your home

     Don't let them scrape the ground, leave your foundation in tact. VERY important. Minor damage is okay, we can work with that.

2) Get your insurance money, rebuild your home with a 203k or Homestyle renovation loan and keep the insurance money in your bank. Possibly use some of it to buy a better interest rate, or pay a little more down to make your payment more reasonable.

3) Get your insurance money and move out of the area

     Don't let them scrape your lot, leave your foundation in tact. VERY important

4) If you move away, what do you do with your land?

     A) Nothing, let it go back to the county for non payment of taxes... NOT a good thing and it could affect your credit.

     B) Sell your lot to someone who might rebuild the home.

     We can assist you in finding someone to rebuild the home for sale to the public, listing it with a local Realtor to help them get re-establised.

     C) Donate your lot to a non profit who can rebuild the the home.

     We can assist you in finding a suitable non profit organization. YOUR church may be a good source and this would help them get re-established as well. 

The TEAM, consists of lenders, consultants, YOU, Realtors, Architects and Engineers. If you know any of these team members that wants to get in there and help get our neighbors back on their feet in renovated homes, lets do it. We need you, we want you, and YOU can make a dfference. Please send us an email if you would like to be in on the ground floor to   

If the house was burned to the ground and the re-bar got so hot as to pop or blow up the foundation then it will need to be a rebuild and not a renovation loan. This may give the entire area a whole new face that doesn't look like the original towns and cities at all.    

Want more info on new construction from the ground up? Click Here





Posted by

Mike Young, 203k Team Leader    Mike ready for your 203k order

To learn more about the FHA 203k loan program go to www.203kOnLine.comWhat is your fee? 

Got a 203k project giving you "fits" contact www.203k911.comIf you are looking for quality 203k software for consultants to speed up the underwriting process..

Skype name: the203kconsultant

following Mike Young on Twitter Facebook You Tube MY 203k Team bug




This entry hasn't been re-blogged:

Re-Blogged By Re-Blogged At
Real Estate General Information
California Lake County Middletown
203k consultant
203k lender
homestyle renovation
lake county fire victims
valley fire victims

Spam prevention
Show All Comments
Mark Don McInnes, Sandpoint
Sandpoint, ID
North Idaho Real Estate - 208-255.6227

Howdy,  You mention more than once the importance of leaving the foundation.  Something relating to refurb rather than new?  Mark

Sep 24, 2015 02:21 PM #1
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

Mike, why is leaving the foundation so very important. People need to know so that if they find they are telling others LEAVE THE FOUNDATION they will need to exlain WHY. 

Great way to reach out and help folks.

Sep 24, 2015 02:23 PM #2
Mike Young, covering the USA - Las Vegas, NV
FHA 203k Consultant 916-758-1809

Thank you Mark and Kathleen, Yes if we have to rebuild everything from the ground up we are stuck with choosing from a limited pool of lenders, and none want to be the only lender in a large area like this. By keeping the foundation we can utilize the FHA 203k or the Fannie Mae HomeStyle Renovation Mortgage where we have a much larger pool of lenders and can get some competition for the loans for these borrowers. We work for over 80 lenders for the renovation loans and two do from the ground up. Native American Indians can rebuild or go from the ground up, either way.

As far as explaining why, thank you, I was hoping to do that at a Town Hall meeting for those interested. It should also be known that for the non owner occupants, those with vacation homes or second homes or investment properties in these areas we can work with the HomeStyle Renovation product. We have another lender who works up to $3,000,000 on these type loans. 

I just would hate to see what happened with Katrina and Sandy and have these homes vacant and looking bad for twenty years when it just isn't necessary if we all work together.

Thank you both for asking the question. I get so excited sometimes that I forget everyone doesn't know what I know.

Sep 24, 2015 03:08 PM #3
Show All Comments

What's the reason you're reporting this blog entry?

Are you sure you want to report this blog entry as spam?


Mike Young

FHA 203k Consultant 916-758-1809
Want to close your 203k loans faster?
Spam prevention

Additional Information