Hudson Valley Happenings Blog : July 2009

Are you having difficulty making your mortgage payments?  Do you feel like you are walking a tightrope each month trying to set aside enough to pay the mortgage and all your other living expenses?  Lately many have been facing the horrible realization that they are not going to be able to continue to pay their mortgage.  I have received calls from several of my clients asking about Loan Modification.  I am advising them to speak with their current mortgage servicer.  Even if they called as little as one month ago and got nowhere, many are finding a very different answer today.  What seemed to be impossible might just be possible.  You worked hard to find that home and you really want to stay there.  Some of you may be able to find relief and stay in the house through Making Home Affordable .  

If you go to this site you can browse through so many helpful pages of information about the refinance and loan modification programs.  There is a Simple Questionnaire to help you determine if you are eligible for the programs.  You can access a Frequently Asked Questions section that will give you answers to many of the questions you may have about the program.  I want to caution you to avoid paying anyone to help you with your efforts to use this program. The site warns us to Beware of Foreclosure Rescue Scams - Help Is Free!

This is happening now!  Savings on your monthly payment can be significant.  Some people are saving more than $1000 a month in their payments.  There is hope that you can stay in your home.  Review the Making Home Affordable  website today and contact your Mortgage Servicer for further details.  Please don't let this opportunity pass you by.

This video Blog will help both buyers and sellers of homes in any area of the country.  Here in New York States Greater Hudson Valley we see these stains from leaking roofs, plumbing problems, and something called ice damming which occurs when ice backs up under the shingles.   Michael has the answer for you as you either prepare your home for listing or as you move in to a home that has some prior water issues that have left their mark. If you would like more information on buying homes in New York's Orange, Ulster, or Sullivan Counties give me a call.

Paddy Pizappi, Associate Broker for Buyer Representation
 RJ Smith Realty - A Real Estate Solutions Company
Serving the Greater Hudson Valley of New York
from Pine Bush, NY at the corner of Orange, Ulster, and Sullivan Counties
For Buyer Tips and Local Information visit www.hudsonvalleyhappeningwithpaddypizappi.com     
Call or text to 845-800-7086 or email paddypizappi@realesolutions.com

Katerina asked for our prayers and thoughts for Lisa Schlitz and for her young caughter who is undergoing surgery right now.  I emailed her with my support yesterday and she was very grateful.  Let's keep those good thoughts going today as the surgery is done and recovery begins.

Dear Mr or Ms House Seller,

I am a Buyer Representative.  My goal is to find the right house for my clients and in the process hopefully find a buyer who will want to buy the house you are selling.  I know that it is frustrating when I call for an appointment and you get all ready to show your home then I call and say that I need to cancel.  I am deeply aware of how exhausting it is for you.  Please understand that it is equally frustrating and disappointing to me to work hard preparing to show your home only to have my buyer client call to cancel or to tell me at the last minute that they no longer need to see the house that they put on their list because they have decided sight unseen that it will not do for them.  

I also know that it is frustrating to you when I call through your agent to tell you that we are running late.  I can not help it if the tour I arraigned with experience to include some leeway time gets blown by a late arrival of the buyers or the one house that they want to linger in longer than anticipated.  I try to move things along but they are truly in charge and to frustrate them with tight scheduling will not encourage them to buy any house let alone yours.  The last thing you want is a rushed and harried buyer breezing through your house with a cursory look.

Things happen; people become ill; car's break down; the weather may be horrible; people change their minds: etc. etc.  As a guide I can not control many of the outside forces that determine whether or not I can get those buyers to your door on time or at all.  I promise you that I make every effort to get them there because I want to sell your house.  I make my living by selling people houses.  I really have no other intention.  I do not "derail the train" on purpose and I am truly sorry that you are disappointed by a no show or a late arrival. 

My promise to you is that I will do my best minimize the number of no shows by assisting my clients in narrowing choices to the most likely.  I will make every effort to keep to the schedule once it is established. I will call as soon as I can if we are going to be late.  I will not ever purposely create work for you that results in a no show but please note that I can not control every aspect of this.  The buyers are in charge and I am just there to help them.  Hopefully I will help them find their way to your door and they will fall in love with your house.