TREASURY GETS THEIR MAN & THEIR TRADEMARK

Looks like one of the web addresses in my stable  is going away HAFA dot US.   According to the United States Treasury Department those four letters belong to them in a Trademark.  Should I fight or acknowledge  their claim?  Or see if I can pay a royalty for its use?  I have asked how much they want for these four letters?   The perspective I  have taken on this is, everything changes, especially  the Real Estate Market.  If Treasury think these four letters belong to them, maybe it is just the thing that  will drive my  American Entrepreneurial  Spirit  to do something else, bigger and better.   Thing of the “Job Creation” everyone is going to have to change thier Internet sites and for people like me, we will have to draft whole new sights, starting all over again.  Change is good!

From my view we have to many people in our society not rising to the occasion and finding a way to make things work.  Not enough people will take responsiblity for their actions.  We are too quick to judge and to slow to help.  If the universal spirit that some call God wants me on another course, well thank you God, I accept the challenge and the change, but I am not going to stop playing the game yet.

For those of you from all over the Country who  have over the past years sent me requests for *&*& information, direction and  help, and expressed your appreciation,  I will still be here for you.  The  *&*& program is a great thing if you can get your bank to listen to the Treasury Department.  I for one think the Banks are considerably less  fearful of the rules and the fines that Treasury will impose than I am.   It is impossible to say you believe in the rules and not follow them.  I have been on the cutting edge of the Short Sale issue, from the standpoint of  the “practicing real estate industry” and I am not leaving,  I am just going to have to find a way to help my community without four letters of the alphabet.  I am sure I will find a way to  do it with out a vowel and two constants, after all I learned to speak Spanish as a second language, as an adult, my spelling  after that went down hill anyhow.  After all Four letters will not save anyones home, make it a little easier maybe,  but  it is up to us,  dedicated, caring and compassionate community leaders who have and always will make the difference.  Can you help someone save their home?

If anyone wants to see the notice I got from the Treasury please request it.  If you have HAFA HAMP  or anything to do with that in your URL, Keywords or about anywhere else you either have already got this NOTICE or will be getting it  soon.

George Kenner, Broker Associate  Keller Williams Realty 4700 Spring Street Suite 101, La Mesa Ca. 91942 

Brokers  Number 01229951

All Marketing Done with the assistance of Kalabash Marketing, Good night Mrs. Kalabash where ever you are

Secret message for Mrs. Kalabash, for her eyes only don’t peek

And I sell homes 2…. Fighting for Short Sale Sellers is just part of the job.

Of  course representing Sellers in a short sale is only successful if  buyers can be found for the house that is being sold, and then Bank approves the transaction. We are finding  more and more the Banks are insisting that full advertising campaigns be put in place.   On this issue I happen to agree.  Videos, Virtual Tours, Open Houses and lots of photos in the MLS  have their place.   Cheap selling homes does no one any good.  I think (hope) the “equity vacuum” should comes to an end soon. Losing money on a home is no fun for anyone.   While other are staying on the same old advertising course  the Brokers Group is expanding their  influence by using state of the art marketing.   Here is just a little sample of what we are doing.

George Kenner, Broker Associate  – Keller Williams Realty, La Mesa  CA. 919142

g.kenner@yahoo.com  619-723-5714  Ca. Lic.# 01229951

Marketing Assistance provided by Kalabash Marketing, Good Night Mrs. Kalabash where ever you are.

Secret message to Mrs. Kalabash.

 

We as a team are expanding… Time to leverage the Luxury Home Short Sales that we do!

It is not new to anyone that even the wealthy are not faring well in the current economy.  Luxury home owners need help and are finding that if they work with the bank to avoid a foreclosure they are often treated with more respect and co-operation.   The overall economy is not the fault of the general citizenry of this country.  Very few people saw this coming.  Even I lost a lot of equity in my home and I have been in Banking and related Real Estate industry for over 22 years now.

Please enjoy this intro video for a new website we are launching to serve the needs of our community.  We can and often do this type of special promotion for luxury short sales.   If we can help you in any way, we are never more than just a phone call away.  The Broker Group stands ready to help you however we can.

George Kenner Broker Associate, Keller Williams Realty, 4700 Spring Street La Mesa, Ca. 91942  619-723-5714  g.kenner@yahoo.com

All marketing done with the assistance of Kalabash Marketing.  Good Night Mrs. Kalabash where ever you are!

This is a secret Message to Mrs. Kalabash, don’t be nosey and go looking where your eyes do not belong!

DRE. Brokers Lic .01229951

HELP … A NEW LOGO… And News on Mrs. Bouchard

Distractions from life can end up leading back to a point of focus.  Take Mrs. Bouchard and Cody.  Mrs. Bouchard can not even leave her home to ask for help on a street corner and this was driving me to think no one was ever going to be fair.  Enter a distraction, my new hobbie of video editing , I always wanted to be a film maker and in this new computer world that is closer to being possible.

Hang with me for a minute, I am going somewhere with this.  Just as I lose all faith in anyone doing the right thing, someone “surprises” me.   Enter Cody , he is a video artist that made  a template, that I purchased from a third party agent.  When  I purchased it arrived in the  wrong format.  I reached out and asked for help and Cody who  is on the other side of the country worked  past midnight correcting the format and even inserting the text creating the correct title.   YES, Cody went far beyond the call of duty  for me.  He made the right business move.  He was kind, polite and happy to help.   So where is that for Mrs. Bouchard?  Is there no one what can reach out and rescue her?

In the coming days, I hope to be able to announce a  broadcast interview with her.  Who knows, who could or will be in the audience?  Who could you invite?  I understand it’s only fair to share what Cody did for me.    I am only going to show the first part of my plan to move all branding to the “Brokers Group” within Keller Willians, La Mesa.  Enjoy Cody’s work.

Check out Cody, this young man knows what is right and does it!

George Kenner, Broker Associate

G.kenner@yahoo.com        Phone 619-723-5714

Ca. Brokers Lic. Number 01229951

This is a secret Message for Mrs. Kalabash, don’t look it’s private!

UPDATE ON MRS. BOUCHARD – NO REAL NEWS – Is this GOOD? I don’t think so!

Very soon I am going to post a video message about what I am hearing on Mrs. Bouchards loan modification.   I want everyone to know I am looking for a” winning situation”.  I feel there has to be a positive resolve for our community in what seems to be a problem with a common sense resolution.

If the community  has to start raising money we will do what we can to help.  I have had many requests to hear from Mrs. Bouchard and I can not do that yet, but with the help of American Banker I will give you a link to their Video Interview.   Just click on the link below.   The woman in the picture is Kate Berry the reporter that has been following this story for months.

CLICK ON THIS LINK

George Kenner, Broker Associate. Keller Williams Realty

4700 Spring Street Suite 101, La Mesa Ca. 91942

Mrs. Bouchard is now posted on CHANGE.ORG please sign the petition to help her!

See the Traffic a Petition can Bring!… Watch this Video to see and get the latest, the plan in changing.

Secret message to Mrs. Kalabash

REALTORS Trying to Help – The Story from Las Vegas – THE HAFA RUSE? Situation of a Real Family!

I am posting this story and removing the name of the Bank so as not to embarrass them.  But if this is not looked into and corrected, I will share the name of the Bank in the very near future.  I need to verify the facts.   I have shared this type of thing with the Bank’s upper management before and seen this type of problem solved.  Lets see if Keller Williams ”Win Win” can work.    The pictures in the story are of the real people involved.  The name of the Bank will just be changed to “THE BANK” for now.  Once real people see real people instead of numbers things seem to change.

THIS IS A COPY OF THE E MAIL I GOT WITH ONLY THE NAME OF THE BANK CHANGED

George, Please post this story on your blog, on how  during a government mandated HAFA short sale ignored HAFA requests and  our request for a postponement of the trustee sale, refused to provide a short sale approval in a timely manner, and then went ahead and foreclosed on the property and then sent an email to me asking if I or my seller knew if the property had been foreclosed on.  “THE BANK”  violated every government mandated HAFA guidelines and really hurt my clients financial future.  How can they get away with ignoring government guidelines and not be held accountable.  By the way the buyer was an all cash buyer and could have closed within days of getting the short sale approval.

My client was working two jobs and was let go of one for downsizing and corporate restructuring. He just recently got married and has a new 5 year old stepdaughter, three older kids in  college and elderly parent that he is helping and supporting.  All he wanted to get out from under the debt, since the property went from 180,000 to 45K and be able to save and buy another home  in 2-4 years in the future, but now ”THE BANK” screwed him, since he cannot buy a home again for 7- 10 Years, He will have ”THE BANK”  placing a judgment on  him for the deficiency, and the HOA will be filing a judgment as well.   My client followed HAFA guidelines and everything was uploaded in ”THE BANKS COMPUTER SYSTEM”  in a timely manner, but why is ”THE BANK” hurting our friends, and neighbors and communities who become our trusted clients and look to us to help him. Whoever is in charge of HAFA guidelines needs to really watch “THE BANK”, and I just do not see why it takes 5 months to get an answer on a short sale when they have all the documentation in the first 30 days.  According to HAFA guidelines by clients was supposed to be protected from foreclosure while the short sale was being processed.   Since ”THE BANK” is so slow in recording the trustee sale deeds we have begged “THE BANK” to stop the recording of the Trustee sale deed and re-instate the short sale since the buyer is all cash, so we will see if ”THE BANK” will step up to the plate and correct the problem.  Our public and customers have a right to know what is going on and have a right to have answers in a timely manner.  If HAFA and ”THE BANK” are going to deny the short sale, the customer has a right to know up front and have something in writing telling him.  The public is owed that and I do not want this to keep happening again and again to my family and friends.  Las Vegas is one of the hardest hit cities in the US for loss of jobs, reduced incomes and property value losses.  So we are dealing with ”THE BANK” short sales everyday of our careers trying  to help our community and to see honest hard working friends and neighbors financially hurt for another 7-10 years since HAFA, ”THE BANK”  and their subcontractor  cannot do the job in the timely manner is heartbreaking to everyone in our community.

On a side note, I have a “THE BANK”, and ”THE BANK” credit cards as does most of the Realtors in this valley, since Countrywide was the best and largest for over 25 years  in this valley, that commission that I was just screwed out of was coming right back to ”THE BANK” in the mortgage payment.  Now I am struggling to find that money for the missing mortgage payment since they couldn’t finish a HAFA short sale in a timely manner.

Please spread the word to all real estate agents across the country to call ”THE BANK” every day begging for an approval letter or postponement of the trustee sale if you are in a HAFA short sale.  All we are trying to do is to protect our public so why is ”THE BANK” not being held accountable to the public.  Our sellers have the right to be protected under HAFA guidelines.

Suzanne Whitescarver

Realty One Group

702-271-7823

swhitescarver@cox.net

George Kenner, Broker Associate , CA. Lic # 01229951  4700 Spring Street, Suite 101 La Mesa, Ca. 91941

619-723-5714

A new secret message to Mrs. Kalabash

 

 

Mrs. Bouchard an Update without Much Real Change – But the Media Made NOTE!

It’s been some time since the last Mrs. Bouchard Update. Mrs. Kate Berry of “America Banker” a Trade and On Line Magazine and Henry Miles of the San Diego Urban League met with Mrs. Bouchard at her home. Then on October 11th, 2011 Mrs. Berry’s lengthy report was published, oddly the same day of the opening of the Mortgage Bankers Convention in Chicago.

Since the publishing of the story a high level HUD Loss Mitigation Manager has come to the case to review it, and work directly with First Mortgage Corporation.  In the America Banker article much was covered.  The article discussed not only  Mrs. Bouchard’s specific case but  the plight of many homeowners.

The tone of the article appeared to be very fair and factual demonstrating  the facts as I believed them to be.  There were long delays in processing this loan modification and there was plenty of blame being laid around. Frankly, I was surprised that the servicer was saying it was the fault of restrictive guidelines, the title of the article was “Servicer Blames Delays on FHA Guidelines.”

I wish I had a better news to close this with,  but here is “Reality.” Currently Mrs. Bouchard’s case is still open. There is no paperwork drawn up to bring this to a close. Currently we do not even know if the Federally Funded “Hardest Hit States Fund” applies to Mrs. Bouchard. I think a partial payment is being arranged for, to stall foreclosure but to date there is no paperwork on that.  This is of course making Mrs. Bouchard’s daughter very nervous, she is fearful that her mothers case will lose public interest, and I cannot say that I blame her.

I hope this is not plagiarism but I am going to take one quote from Mrs. Berry’s article which may point to the possible future.  According to the article the CEO of First Mortgage Corporation  says.

“Ziroli says he would be willing to contribute $5,000 if someone would raise money to pay down Bouchard’s principal balance.”

This may come down to the community helping and if First Mortgage is willing to make that type of contribution, well they can not be all bad, RIGHT?  But will they really do it?  More on this case as it develops.  Do I hear the phone ringing, is there more media coming to this story?

George Kenner , Broker Associate,  Ca. Brokers Lic. # 10229951
Keller Williams Realty, 4700 Spring Street La Mesa, Ca. 91941

 All Marketing is done with the assistance of Kalabash Marketing.  Good night Mrs. Kalabash where ever you are.

A secret message for Mrs. Kalabash.

Tuesday August 09 HAFA UPDATE – See it here first.

On Tuesday, August 9, 2011 the U.S. Department of the Treasury issued Supplemental Directive 11-08 – HAFA Policy Update, which implements many of the recommendations received during the Summit and Working Groups. 

 Specifically, Supplemental Directive 11-08 implements the following key changes:

 Requires servicers to develop and post on their website a HAFA Matrix that describes various components of a servicer’s HAFA Policy, including any unique HAFA eligibility criteria or program rules, the servicer’s process for re-evaluation of property value, and contact information for HAFA assistance.

Removes non-mortgage debt from the $6,000 subordinate lien cap. However non-mortgage lien holders still must provide lien releases and waive borrower liability.

 Requires all servicers to develop a process for periodic re-evaluation of property value and to reconcile discrepancies between the servicer’s independent assessment of value and market value data provided by the borrower or the borrower’s real estate broker. 

To view Supplemental Directive 11-08, please click here.

To view the HAFA Matrix template, please click here.

George Kenner, Broker Lic. 01229951  Keller Williams Realty, 4700 Spring Street, La Mesa , Ca. 91941

619-723-5714  contact g.kenner@yahoo.com

All Marketing done with the assistance of Kalabash Marketing, good nite Mrs. Kalabash where ever you are!

Does FMC Really want to foreclosure? Case study in discretion? You tell Me!

---

August 17, 2011

Positive UPDATE?

NEW UPDATE  @ HUD FOR REVIEW?

August 05, 2011…Feds to the Rescue? 

It appears that communication with the FIRST MORTAGE Corp. has broken down.  I would like to talk to the CEO of First Mortgage Corporation.

Now for the most RECENT UPDATE Here is the New Video,

But there is going to be another one…. get Ready!

I was and still am looking for a ” Win Win” situation, but the PERSON who I was dealing with will not even give me the CEOs name. 

I know the name of the CEO of every major bank, and can get the names of every member of the Board of Director but I can not get any closer to this CEO than Mrs. Bouchard could.  I have been in this industry for over 20 years and I have never known of a company who made Government insured loans and you could not get the name of the CEO, from an employee.   Let me attempt a little humor, maybe there is a new business school game, HIDE THE CEO.  They said they talked to HUD but would not give that persons name to follow up with either.   Please feel free to add comments below.  If there is an attorney out there reading this and knows the America with Disabilitys Act could you call me, I have a few questions.

ALSO I HAVE MADE A MISTAKE, Research has shown that Congresswoman Mary Bono is responosible for the District that Mrs Bouchard Lives in, that does not however mean that Congressman ISSA is not interested in this case. His staff has always shown everyone I know involved in loan modifications and short sales every possible courtsey.  It is appropriate to mention,  Congressman Issa and his staff have helped in this matter, Thay have moved assistance for Mrs. Bouchard in the right direction.  On behalf of Mrs. Bouchard and her family, I extend this Thank you!

VIDEO UPDATE & A COPY OF THE LETTER SENT TO THE

TREASURY DEPARTMENT

The name of theTreasury official is removed.  Their ability to assist us if possible should not be impeded.  We are looking for a ” win win” situation from this.  Working together we can make our community a better place to live.   The name of the client has been removed,  if you are the news media and want to interview  this woman she has agreed to share her story publicly, please call me for contact points.

BREAKING NEWS:  The Client has agreed and will be working to set a time for a “Press Interview” at the beggining of the week.  Media Sourse’s are interested in this STORY… THIS CAN BE FRAMED AS A WIN WIN… 

July 06, 2011

Department of the Treasury
1500 Pennsylvania Avenue, NW
Washington, DC  20220

Copies to other Influential Parties (list below)

Dear Treasury;

 I have found traveling on new roads,  discoveries along the way can be even more uplifting than the arrival at the destination.  In part, I have found this fact  by working with Mr. Henry Miles at the San Diego Urban League.  Being the Housing Program Director, he is called upon not only by the community but his peers for help.  From time to time he asks that I share the dire situations he comes across, with the people I know, frankly I am honored he asks for my help.

 My association with Mr. Miles has expanded my horizons to participate in my community more, not less.  Through my association with him,   I have gone from being a person that had a high definition television with 171 Channels to where I do not even have cable.  Instead of the dead time in front of the tube, today I read, tomorrow I will read and next week I will read.

 The case that I am going to share with you required some special inspiration, For this I went to the my library and grabbed  a work by David Hawkins, M.D, Ph.D. and this is what jumped off the page at me.

 “A progressive concern emerged for fairness, balance, protection of the vulnerable, and appreciation for the quality of the environment, as well as for the dignity and the rights of the individual.”

 Reflecting on these words, I realized that no matter how I FORCED this situation it was beyond my POWER to resolve without the help of others.  So this will be the first of the questions,  I will ask you. Can you help to bring a intergous,  dignified and caring solution for our community relative to the case I will detail below.   You have been gifted with great intellect and the POWER to bring the necessary attention to problems which are on a path that lacks any societal benefit.

Now to the facts as best I can determine them.

First Mortgage Corporation

1131 West 6^th Street, Suite 260

Ontario, Ca. 91762   Tel. 909-391-2647  www.Firstmortgage.com

Loan Number0000000000  (FHA CASE NUMBER 048-513-00000000)

 Borrower:  )))))  ))) Murrieta, Ca. 92562

 Scheduled Trustee Sale Date  July 18^th 2011  At Corona Police Department 9:00 AM

 As you read this, please just theorize that this story is the one that makes a difference, not only for Mrs.)))))) but for everyone in similar situations.  Our societal process of giving attention where it is due can only improve from stories like this.  To digress just a little bit, this file has seen the assistance of Springboard, The Housing Opportunity Collaborative and now Mr. Henry Miles of the Urban League.  I know Mr. Miles philosophy is to avoid creating villains, rather he would choose to uplift us all in the exhilarating feeling of helping one another when hope appears to have been vanquished by ignorance, created by an intolerant system, not people.

 Allow me to share a quote from a letter written by Mrs. 0000000 daughter addressed to an elected official. (full letter attached)

 “She went back to school, first receiving her BA from Chico State, and later getting her MFA from San Diego State.  She maintained her dean’s list grades while taking care of three children and she did it with a disease that doctor’s claim is unbearable to handle.  She took a job as a teacher, she taught English and History to 7^th and 8^th graders at Temecula Middle School up until September of last year.  Prior to her accident my mother was a foster parent for many years, she was “Foster Parent of the Year” at one point in Sacramento County.  She took hard to place children; the children other homes turned away.  In addition to raising her own children, she devoted her lifer to helping mold and nurture other people’s children.  One of the few joys she still has is the continued contact and friendship she maintains with dozens and dozens of her former students.”

 

Surely after reading this everyone will see that Mrs.00000000has at every turn in her life given to her community.  Again,  I will ask a question.  Do you want to hear more about helping this woman; and helping within established Governmental Programs?   If the answer is yes, please approach this without making First Mortgage a villain.  I know I am repeating a point, but Mrs. Bouchard and Mr. Miles abhor creating villains; rather they have lived lifetimes of helping.

Providing a link between the Non Profits, Industry and Government, people have told me I dance on razor blades.  I tell them it is easier than swallowing swords.   With my Banking background I can see some problems with the way this case was handled.  Were I First Mortgage, I can see a public relations blunder the size or the Hindenburg, if this home is foreclosed upon when full consideration was not given to every possible loan modification opportunity.  I can also see FHA not honoring the loss in the insurance policy, as there was clearly a rush to judgment and a serious miscommunication relative to programs like the HARDEST HIT STATES FUND.  It appears that with 3 separate and distinctive Housing Agencies, and a very proactive daughter trying to communicate with First Mortgage Corporation, the onus may fall upon them. 

Respectfully, I thank you for your time to read this case of interest. (reviewing the attached documents)  I am confident if anyone knows the CEO of First Mortgage Corporation,  and this case comes to his attention it will get the review that is seems to deserve.  I know Mr. Miles and I will do all we can to assist Mrs. 000000, First Mortgage Corporation and our community craft as successful resolve short of foreclosure.   Much of the documented disability and income information, which I believe has already been receipted by First Mortgage will be included (attached to this correspondence) to the appropriate parties.

 As it is unclear who can really help, many people including the media have been addressed in this correspondence.  Only by full community participation can we craft the society that will honor the teachers like Mrs. 00000000 who gave until it was impossible to give more.  Please by all means share this information far and wide.

 Enslavement by illusion is comfortable; it is the liberation by Truth that people fear.   Let’s get to the truth of the fact;   Can this teacher’s home be saved with already existing Government Programs?

 Gloria in Excelsis Deo!

George Kenner

CC: Mr. Joel Singer, EVP Cal. Association of Realtors

       Mrs. Anne Framroze, CAR

       Mr. Matt Roberts, CAR.

       Congressman Darrel Issa (Mrs. Bouchard is your Constituent) Through Staff

       Congressman Bob Filner (through Staff)

       Congressman Duncan Hunter (through Staff)

       Mr. Jeff Lister , President National Association of Realtors

       Mr. Henry Miles, Housing Program Director, San Diego Urban League

       Mrs. Janet Heming, HUD Consulor San Diego Urban League

       Mrs. Kate Berry,  American Banker (Media)

       All Members of the CA. Association of Realtors Distressed Property Task Force

       Mr. Mike Mercurio,  V.P. San Diego Association of Realtors

       Mr. Robert Smith, Broker of Record, Keller Williams Realty

       Mrs. Anne Graves, Ph.D. San Diego State University

       Ms. Lily Leung, San Diego Union Tribune (Media)

       Additional Parties in the future as is appropriate.  This along with updates will be posted at

      www.shortsalenurse.wordpress.com.    I have a feeling providence will create a “win win” situation for lender, borrower, and community.    

George Kenner Broker Associate, Keller William Realty. Ca. Brokers Lic. Number 01229951  Please contact me at g.kenner@yahoo.com or call me at 619-723-5714.

All Marketing done with the Assistance of Kalabash Marketing,   Good Night Mrs.where ever you are!   

 Kalabash Secret message to Mrs. Kalabash, don’t look at this link unless you what to be touch with some kindness, disabled but always loving!

A HAFA Helping HAND? IS THERE SOME Invisible Secret?

Are things getting better for HAFA  or even “Short Sales” in general.  I am really not sure how to answer that question.  I  still have clients that are looking for a helping hand.

Currently I am working on a new video, I have noticed very measurable increases in Blog Traffic since I have added video.  Currently I am looking at a Video Project that instead of a RANT is just a Logic Question,  of  WHY?

Stay tuned as my fellow agents come to the front, this is not just me speaking this is our entire Community seeing our tax base destroyed by slow response times and the inablity to make decisions by some of America’s largest banks.

All Marketing done with the assistance of Kalabash Marketing. 

Good Night Mrs. Kalabash where ever you are!

George Kenner, Broker Associate, Keller Williams Realty Ca. Lic. 01229951

619-723-5714 , g.kenner@yahoo.com