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“Give it away and make it easy for the manifesto to spread far and wide. It doesn’t have to be printed or even written but it’s a mantra and a motto; a way of looking at the world. It unites your tribe members and gives them a structure.” – Seth Godin Hope|against|HOPE A not-for-profit organization set up by local community leaders for people who owe more on their house than what its worth, and who don’t know what to do. When they come to this 2 hour class, they’ll know what to do. Together we can single handedly turn this market around through the discovery process of information, education, awareness of options and the most effective tools. The Story of “Because” Capitalism encourages speculation, does it not? It invites us all to move with the winds of change and make haste while doing it. Find yourself in any neighborhood in America, any day any month of the last 6 years, and the conversation went something not too dissimilar to this: “Honey, we should buy. But we cant afford it right now. That’s not true, how did The Jone ‘s do it then? Well I don’t know. Yea, they just closed and Leah just said that they already made 10k since they moved in!” You tell me one red blooded American in this land who wont find that story irresistible. After all, you already need shelter anyway, you're already paying for it in one way or another, you'd love to entomb yourself in weekend projects and painting the walls what you like (ok, maybe the weekend projects thing backfired on you after a while) – so why not go for it when you don’t need a penny down? The Fallout Big Surprise: the whole system eventually imploded due to it being ‘hung’ on the anchor of a market that needed to continue to increase in value into perpetuity. Thats the funny thing about markets = they always have a knack for cycling. The Rub While lenders were making money hand over fist, they intentionally turned their cheek toward the known, long term consequences of their decisions. The ones making the rules knew better. The ones playing by the rules didn’t. The Fix (or more like the Band-Aid) In this last election, you, like me, heard the politicians continue to make mention of the parody that was taking place between “Main St. & Wall St.” This divide couldn’t be more identifiable then in the proposed ‘fixes’ that your elected officials have since implemented. Now we don't have to tell you that all help is good help because you already know that. What we would like to suggest is that when you really begin to take notice it becomes apparent that all the proposed bail outs have been directed at how to bail out the ones who made the rules and knew better....which means the real people suffering with loss are being left out to dry. For example, did you know that in the heralded HOPE program, at its best, only has the ability to address the needs of a sliver of the people who need it? At last mark, only 20% of the population (according to) could actually take advantage of the program. And, at last mark, it was reported that of those actively pursuing the program, only 50% of them were even qualifying! So, that is to say, that out of EVERYBODY that is in need of help out there on Main St, only 1 out of every 10 will actually receive any? And that’s our flagship program? Wow. “The Masses Of Men (are silently dying to be led)” - Emerson Compound that abhorrent stat with this newly released fact: only 3 out of every 10 families that are currently in need of help, are actually raising their hand to receive it. Now, if 7 out of every 10 families who need help are not even asking, and only only 1 out of every 10 families that ARE asking will even get any – where does this leave us? Change Happens Locally Its time to take this into our own hands - us & them. We, directly and indirectly were part of the problem. We will be part of the solution. Sprinkle Some Truth On It Foreclosures are bad for everyone. Really bad. As a matter of fact, they affect all of us from homeowner to banks to our next door neighbor adversely: 1. Owners – link to site of Foreclosure vs Short Sale pdf 2. Banks – Cost for banks 3. Buyers – REO’s 4. Neighbors – Foreclosures are consistently priced just under the market to increase activity and ensure that the home is incentivized to sell NOW – this drives prices down, which drives values down, which further depresses the market. 5. Agents – REO agencies are big business models. They traditionally make it very difficult for buyers to play. They do auction type listings with blind bidding wars and you rarely ever even get to speak to the actual listing agent. The contract addendums they make you sign are very restrictive and usually take away most of the buyers rights. It’s a very cold, autonomous way of buying real estate and very rarely to people ever feel ‘good’ about how the process went…even if they believe they got a good deal. What Our Plan? Because we believe that everyone who owns a home wants to ‘do what they can with what they have where they're at’…the only conclusion left is that the rampant foreclosure stats must be more indicative of a lack of information and Owners rights to know their options then a simple act of their own volition. Its not hard to imagine this being the case when I find that most people don’t even really know how a Short Sale or a Loan Modification works (or doesn’t work) – or that those words even exist. Because what those who already lost their homes to foreclosure might have wanted to know, is that: “if you are in trouble or see trouble coming… * And you don’t want to leave your home, your lender will work to find out a payment solution with you * And if you don’t want to stay in your home, you lender will work with you and a prospective buyer to allow for the sale of your home – even if you owe more on it then what it is currently worth. It is our endeavor that not one more family lose their their home to foreclosure without knowing these two facts. The Takeaway It is most likely more costly and damaging for you & your lender to lose your home to foreclosure than to work out either solution before it ever comes to that. What You Need To Do About It If you are in trouble or see it coming (shoot, even if you're not & just want to get the ‘truth’) then sign up for Hope against HOPE’s next Town Hall Meeting (link to site signup). After investing 2 hours of your life with us you will leave with clarity and vision based on the facts. Imagine how good that will feel. If you know someone who is in trouble or might be soon, implore them to attend. The truth is that right now each one of us has a responsibility to reach out, get the word out and start being part of the solution. Why are we giving away the house of secrets? Because Hope against HOPE has a responsibility to make sure that this message gets disseminated to as many people as possible in the shortest amount of time. Yes, it is our responsibility that this class is filled up with as many people willing to help themselves, and others, as possible. On top of viewing the presentation of options for those who “Owe More On Their House Than Whats Its Worth…and don’t know what to do”, you will receive our HaH Tool Kit. This kit is the most valuable thing any homeowner can have, because with it any owner will be able to 1. Negotiate their loans like the pros do with the same scripts and documents that they use. 2. Learn the 9.5 things you MUST NOT do. 3 Find out the intended and unintended cost of a Loan Mod, Short Sale or Foreclosure |