RealEstateAgentsArePeople2.com is now also known as HomeownersCrisis.com

Welcome to the NEW

Real Estate Agents Are People 2

website

Terms of use agreement - follow this link to view

Our Mission
The income we produce with our website will be used to help fund local food banks, help with providing housing for those who are losing their homes, get the assistance information to those in need and much more! In order to achieve this goal, we need your help. Tell your friends & family about our website, spread the word across the country. As the hits on our site increase, so will the income we can produce with our advertisements. We are in the process of applying for non-profit status. Income we receive from this site will be applied to that process and the maintenance of our website. We are NOT here to make money off those we are trying to help. Our website was created to provide information, inspiration, help and hope to those in need. Please help us help others!

About Us - explanation on how and why this website was created.

Need Help - section created to provide information on how to: Survive the Recession, Fight Foreclosure, Find Legal Help, Counseling, Feed Your Family, Find Affordable Housing, Find Low Cost Medical Care, Discount Shopping & Coupon Sites, Gardening, Freebies and Much More!

Information - section w/details on the process of Foreclosure, Bankruptcy, and Short Sale for all states.

Questions? - You can send me Real Estate related questions - and review my answers. Names will not be included. (I am not an Attorney, Credit Counselor, Accountant - I am a Realtor who can try to help you find the place to go to hopefully find the answers You Need and use what I have learned over the past 14+ years as a Real Estate Agent).

Prayer Request - You can request to be included on Prayer lists - and find support & solace.

Miracles - your Miracle Stories sent to me, to be posted to help inspire others. Names will not be included.

Anecdotes - your funny, sweet stories about Real Estate related incidents - and your Pay It Forward stories - again to be posted to remind people that there is a reason to smile. Names will not be included.

Sound Off - your opportunity to tell how you really feel about Real Estate related issues (cost of Homeowners' Insurance, etc.) Names will not be included.

Gallery - photos taken by my photographer husband, from our travels. An opportunity to remember just how beautiful our country really is - and my way of thanking my husband for all the work he has done to help me create this website.

Pitstop - hopefully we will have a Real Estate Agent from every county in the U.S. send us photos/videos of their favorite location in Their County, and to remind us that we may only be steps away from a wonderful site/experience.

Add Properties - ability for Owners/Agents/Lien Holders to add their Distressed or Storm Damaged Property - to sell - for $1.00 per property. Ads will run for 90 days/w 8 photos, w/link provided to your website w/some restrictions. If you have multiple Distressed Properties (Short Sale, Foreclosure, Must Sell, Make Offer, etc.) or Storm Damaged Properties, you are required to add all similar properties to gain the link to your website. Linked website must meet Timeless LLC's standards - see our Homepage Terms of Use Agreement.

Search Properties: - look for the best Real Estate deals in the country.

Auctions - Information about scheduled Real Estate Auctions across the country. You can add your property to be Auctioned for $5/per property. Your ad runs for 31 days: post your Auction information 30 days before scheduled Auction and 1 day following Auction to post the results. Ad includes 8 photos w/link to your website, again following our Homepage Terms of Use Agreement for Timeless LLC - and you are required to post all your Auctions if you have multiple properties to be Auctioned off in order to have the link to your website.

Our website is Secure - you can use Pay Pal Pro for payments for your ads - with many secure options on how to pay.

Our goals are to provide Information, Inspiration, Help and Hope to those in Need, as well as to help you sell your Distressed, Storm Damaged or Auctioned Property as quickly as possible. Information is Power - And Hope!

Deborah Benton, Realtor
President, Timeless LLC

 

Regina Littles, Innocent Victims
Purchase "Innocent Victims", written by: Regina Littles

Knockout Pest Control

Habitat for Humanity of Baldwin County
The Habitat ReStore sells donations of new and used building materials,
appliances, furniture, lighting and household items to the public.  The store
is open to the public and is open Monday through Saturday, 9 - 5.
http://www.baldwinhabitat.org/

 

 

Latest News


HOMEOWNERS CRISIS HELP - WHAT WENT WRONG?

HOPE - FREE HELP FOR PEOPLE FACING FORECLOSURE (Updated 9-2011)
If you are facing foreclosure or considering walking away from your home, call for free help NOW!

HELP ON THE WAY FOR UNDERWATER HOMEOWNERS?!
If you owe more than your home is worth and you are trying to refinance and lower your payments, help may be on the way!

FUNDING FOR COUNSELING OF FORECLOSURE THREATENED HOMES EXPANDED
More help on the way for families facing possible foreclosure.

TREASURY ISSUES NEW HAMP RULE REQUIRING SINGLE POINT OF CONTACT DURING LOAN MODIFICATION!

Senators Propose Homeowner Advocacy Office for HAMP Grievances
04/05/2011 By: Carrie Bay Although the Treasury Department has vowed to hold mortgage servicers publicly accountable for their adherence to Home Affordable Modification Program (HAMP) guidelines, some senators want to go one step further. They have proposed establishing a new federal agency as a means of recourse for “families who face foreclosure but believe their mortgage servicers are breaking the rules,” as Sen. Al Franken (D-Minnesota) put it. The Homeowner Advocate Act of 2011 (S.690) would create an Office of the Homeowner Advocate for the purpose of protecting homeowners seeking mortgage modifications through HAMP. The bill was introduced by Franken, along with U.S. Sens. Olympia Snowe (R-Maine), Robert Menendez (D-New Jersey), and Jay Rockefeller (D-West Virginia), and has been referred to the Senate Banking Committee for consideration. According to the bill, the Office of the Homeowner Advocate would have three primary functions: to assist homeowners, housing counselors, and housing lawyers in resolving problems with HAMP; to identify areas where homeowners are having problems in dealing with the program; and to identify possible administrative and legislative changes to HAMP. Although the Dodd-Frank Reform Act established the Consumer Financial Protection Bureau to serve as a consumer advocacy agency — with jurisdiction over mortgage lending regulation and, according to bureau officials, oversight of mortgage servicing rules as well — the proposed Office of the Homeowner Advocate would deal directly and exclusively with the government’s mortgage modification program. HAMP has come under heavy fire for unmet goals in terms of homeowners helped and inconsistent treatment of borrowers. The legislators say the new HAMP office would be modeled after the Office of the Taxpayer Advocate at the Internal Revenue Service (IRS). It would be funded from money that is available for the costs of administering the HAMP program, but is not otherwise committed. As laid out in the language of the legislation, the office would be run by an independent director, appointed by Treasury and HUD. The bill explicitly states that this director cannot have worked for a servicer or for the Treasury Department within the past four years. The office would be staffed with officials who have the authority, on a case-by-case basis, to implement servicer remedies, subject to the approval of the assistant Treasury secretary for financial stability, who currently oversees Treasury’s mortgage relief programs. According to the senators, this assistant secretary backing will help to ensure that the staff of the Office of the Homeowner Advocate “actually has the ability to make servicers follow the rules.” “As recent news has shown, there have been serious problems with the current foreclosure modification program that have caused problems for too many homeowners,” said Sen. Rockefeller. “By creating an Office of the Homeowner Advocate, we would enable those homeowners who are receiving unfair treatment to have their issues resolved….[W]e should reward those who are working to modify and pay off their mortgages, not punish them.” According to Rockefeller and his colleagues, if the legislation to establish an Office of the Homeowner Advocate passes, as many as 3 to 4 million homeowners would benefit from HAMP. That target is the initial goal set for the program by President Obama – a goal that right now seems far out of reach. According to the latest figures from Treasury, as of the end of February, there were just over 557,000 active permanent HAMP mods in place. The federal program is set to expire at the end of next year. Last month, Treasury announced that beginning in April, it will start publishing scorecards on individual servicer’s HAMP performance. Officials say they will withhold financial incentives from servicers that receive unsatisfactory grades. According to the senators behind the Homeowner Advocate Act, Treasury’s “acknowledgement that further action is needed to prevent abuse in the mortgage servicer industry highlights the need to establish an entity that would advocate on behalf of homeowners.”

Refinance Program for underwater homeowners extended!
If you owe more than your home is worth and you are in trouble with your Fannie Mae or Freddie Mac loan, contact for refinance.



HARDEST HIT ALABAMA FUND - FORECLOSURE HELP IS HERE!
Residents in Alabama can now receive federal funds to prevent foreclosure through a new statewide program called Hardest Hit Alabama. Gov. Robert Bentley said the program will be used to allocate $162 million set aside by the federal administration one year ago to help unemployed homeowners in Alabama stay current on their mortgage. The U.S. Treasury Department's Hardest Hit Fund was established to provide targeted aid to families in states hit hardest by the economic and housing downturns. States were chosen either because they are struggling with unemployment rates at or above the national average or steep home price declines greater than 20% since the housing market crash. Alabama's current unemployment rate sits at 8.9%, according to the U.S. Bureau of Labor Statistics. At the time the funds were allocated by the federal government, the unemployment rate was 10.8%. The Alabama Housing Finance Authority said as of June 2010, 46 of the state's 67 counties had double-digit unemployment rates. Foreclosure prevention funds are distributed by the state housing finance agency, which in this case is the AHFA. Please visit the web site www.HardestHitAlabama.com or call 1.877.497.8182 for more info. The Hardest Hit Alabama fund will supply eligible homeowners with up to 12 monthly mortgage payments, or up to $15,000 per household, depending on which limit is reached first. To qualify, applicants must have a total annual household income less than $75,740 and the unpaid principal balance on their home's mortgages must be less than $258,690.


INSURANCE COMPANIES COMING INTO THE COASTAL AREAS.

FRANKLIN PRIMARY HEALTH CENTER OPENING IN FOLEY, AL!

BP OIL SPILL ASSISTANCE
1-800-639-REBOUND (732-6863) If you need any assistance because of the BP Oil Spill, you can call for help @: Mobile County: 251-824-2221 Baldwin County: 251-968-3118

If You Are Struggling To Pay Your House Payments - Help May Be Here!

States Named Halting Foreclosures Due To Bad Paperwork

One In Five Mortgages Is In Danger Of Foreclosre

Thrift Stores In Our Area - Baldwin County, AL and nearby
Great bargains can be found at these local stores.

Baldwin County Now
Great Information Website for S. Baldwin County, AL

Suze's Tips On Tax Breaks When Dealing With Short Sales
Good information to know if you are facing a foreclosure or Short Sale. Also information concerning the sale of a primary home when dealing with your spouse's death, and new information about using PMI as a tax deduction.

Your Rights When Dealing With Debt Collectors
You do have Rights! Many debt collectors are abusing or breaking the law. KNOW YOUR RIGHTS!

Florida Courts Are Pushing Ahead With Foreclosures At Record Pace
Retired Judges hired to push through cases, sometime ignoring paperwork. Cases are being investigated now!

Denise Evans Blog W/Information on Foreclosure & Short Sale News

Perscription Assistance Programs
Bridges to Access is a patient assistance program for low-income patients who have no prescription drug benefits. Bridges to Access applicants can enroll by mailing a completed application, a current prescription, and income documentation. A healthcare worker must call to enroll applicants who need immediate access to medicine. To learn more about this program or get an application, please contact: Bridges to Access - 1-866-728-4368 or www.BridgestoAccess.com We appreciate the opportunity to serve you. If you have further questions concerning GlaxoSmithKline or our products, please contact our GSK Response Center at 1-888-825-5249 during our normal business hours, Monday through Friday 8:00 A.M. to 6:00 P.M. (Eastern Time).

8 Companies/Indivduals Banned From Offering Mortgage Relief!

Homes Keep Falling Into Foreclosure

Homelessness: Focus Shifts to Shelters With Wellness Services

BP LOSS CLAIMS INFORMATION FOR THE GULF COAST RESIDENT

New Fannie Mae Program to Lease Back Your Foreclosed Home
If you own a home w/a Fannie Mae loan and are in danger of foreclosure, there is a new program to let you rent the home back once you give it up. Always consult an attorney before signing any paperwork to give up your home!

Emergency Housing Assistance
This program takes approximately 2 weeks to complete the forms required and be processed. This is for temporary housing only.

NEW HELP FOR HOMEOWNERS WITH THE HAFA PROGRAM
New Program Saves Credit Scores and Curbs Foreclosures Home Affordable Foreclosure Alternative Program A new federal program, the Home Affordable Foreclosure Alternative program (HAFA) is designed to help homeowners who can’t afford their mortgages move into housing that is more affordable and save their credit scores along the way. Part of the Home Affordable Modification Program, or HAMP, the program encourages short sales, in which owners can sell a home and cover the mortgage, even if the sale price is less than the loan amount. It also offers as an alternative to foreclosure a deed-in-lieu, or DIL, which allows a homeowner to give up the property to satisfy the mortgage, even if the home is worth less than the loan amount. HAFA is available to homeowners who are delinquent in paying their mortgage. There are a lot of rules and it doesn’t apply to all loans, including Fannie Mae or Freddie Mac — the two government-run mortgage houses are expected to release guidelines soon. The program started April 5, 2010, and a homeowner must sign a Short Sale or DIL Agreement by December 31, 2012 to qualify. Though a short sale or DIL will still affect a person’s credit rating, these options are considered better alternatives than foreclosing on a home. Do you qualify? First, you must apply for a loan modification through HAMP. Owners found ineligible for that program may qualify for HAFA. Call 888-995-4673 to speak to a government-certified mortgage counselor for more information

Credit Cards Are Going After Your Debt In Court!

Loans To Help Fix Up Those Newly Purchased "Fixer-Uppers"!
If you are buying a fixer-upper and using an FHA Loan, there is a little used mortgage program just for you!

WHAT DOES THE NEW HEALTHCARE BILL MEAN TO YOU?!

NASTY SURPRISE FOR HOMEOWNERS USING GOVERNMENT'S MORTGAGE ASSISTANCE PROGRAM!

Short Sales Are On the Rise & May Be Your Best Option!
With the new Short Sale rules going into effect in April, you could be in much better shape than you think! Banks will soon be allowing many more Short Sales over Foreclosures. Your credit will be hurt much less than with a Foreclosure - and you may be able to get the remainder of the debt released. Call me if you want more information: Deborah Benton, Certified Distressed Property Expert, Gulf Winds Realty - 251-747-2636.

ARE YOU IN NEED OF EMERGENCY HOUSING?
Call 1-800-569-4287 for housing assistance!

FORECLOSURE SCAMS TO BE AWARE OF!
If you are approached by someone claiming to be an "Investor" or someone who "assists distressed homeowners" - who either wants to buy your home and/or negotiate a Short Sale for you with your mortgage company - and they ask you to pay a fee up front, or give them a mortgage payment to send into your mortgage company or to sign over a Power of Attorney or sign the Deed to your home over to them - PLEASE DON'T!!!! They are scammers and will take your home & or your money! There are CDPE (Certified Distressed Property Experts) w/certification and expertise. Always check out the person! I am a CDPE and I can tell you, I will ask you to check out my credentials.

NEW SHORT SALE REGULATIONS STARTING APRIL 5, 2010
New short sale regulations could prevent foreclosures The Herald-Tribune reports that households with mortgage payments that exceed 31 percent of their income and received home loans for $729,750 or less before January 1 may benefit from speedier short sale regulations. Under the Home Affordable Foreclosure Alternatives (HAFA) Program, lenders will have 10 days to accept or deny short sales from qualified individuals. If they are approved, these borrowers may be relieved of their remaining debt and receive as much as $1,500 to cover the cost of moving. In addition, lenders will receive a $1,000 incentive per short sale. Institutions that hold second mortgages may be entitled to as much as $3,000 from the sale. The program was created to address the problems associated with the drawn-out short sale process, which has allowed many lenders to deny homeowners this option at the last minute and potential buyers to walk away in frustration. HAFA will take effect on April 5 and be available through next year, according to the National Association of Realtors.

Fannie Mae Incentives To Push Home Buyers!

Banks Are Looking For More Bailouts - Update On Florida

FORECLOSURE LAWS BY STATE

Alabama Foreclosure Laws - Subject to Change
Know how the process works and the time-line you have when facing foreclosure.

HARP Receives a One Year Extension - Can You Qualify?

There Is Hope For Some Facing Foreclosure!

The New Poor In The U.S., Is The Middle Income Shrinking?

Report Card on Mortgage Loan Modification Program is Out - And Not Good!

Farmers Insurance Dropping Coastal Wind Coverage in Baldwin/Mobile Counties, AL

IRS Updates Requirements For Tax Credit For Homebuyers

New HUD Regulations Can Further Damage The Real Estate Market!

20 Million Homes Predicted to Face Foreclsure If We Don't Find An Answer!

What is Cash For Keys? Are You Losing You Home To Foreclosure? We Can Help!
Most banks/mortgage companies will give you a small amount of money to turn your home over to them in good condition. The idea is to help you, the Homeowner, have enough money to be able to move and find a new place to live. Let us Help You!

Citigroup is pushing for Deed in Lieu of Foreclosure And Allow the Owner Stay in the Home for 6 Months
This is a pilot program that will be started in the hardest hit states for foreclosures - and will be expanded gradually.

Is Foreclosure Or Short Sale The End - Or Is There More?!
A short sale or foreclosure may not be the end of your debt. Banks & Mortgage Companies may come after homeowners for balance between sales price and balance of debt. Get it in writing that your debt is released!

TAX BREAKS FOR 2009 TAXES THAT MAY EASE YOUR BURDEN!

Record Number Of Foreclosures Still To Hit The Market

Insurers Profit From Flood Insurance

Housing Outlook for 2010

New Stimulus Incentives Promoted by President Obama

Loan Modifications Urged to Improve/Increase

Checking How Your Credit Score Is Computed

Story on Abusive Mortgage Lending

Latest Numbers As Foreclosure Areas Shift

Peak For Unemployement & Foreclosures Predicted for 2010

Foreclosured Properties Increasing on the Auction Block

New Wave of Foreclousres Set to Hit the Market

FHA May Need A Bailout

Are Distressed Homes Worth It?

Look Who Now Has Federal Funds For Mortgage Modifications! Oh my!
Several mortgage companies w/bad records now have been given federal funds to modify loans. Why?!

Government Agency Hires Company To Go Door To Door
Freddie Mac hires agency to go door to door to homeowners behind on their mortgage - offering loan modification.

MAJOR MUST READ IF YOU ARE FACING FORECLOSURE! HELP MAY BE HERE!
Now is the time to talk to an Attorney about this story. "Produce The Note" may give homeowners in danger of foreclosure the ability to keep their homes. Please pass this information on!

A Flood of Foreclosures Are About to Hit our Market - Then What?!

Important Information When Considering Bankruptcy
Update on filing for Bankruptcy & how it effects your credit card debt.

Loan Modifications May Be In Trouble

Report on Alabama's Homeowners' Insurance Crisis

Report from Florida Supreme Court Task Force on Residential Foreclosures
One recommendation is to establish a website to inform people about the process of foreclosure and the help available. Well, here we are!

Free SafeLink Cell Phone & Service - Do You Qualify?!

Have You Fallen And Need Inspiration To Get Back UP?
Nick Vujicic's inspirational speech will give you renewed hope that you can survive!

Job Clubs - Newest Way To Help Find A Job

Legal Aid Help in Alabama

Report on Banks loan modification numbers

Read the book: Innocent Victims (Credit Info)
Regina Littles explains how credit works & how to keep from being an victim. A MUST READ! Now on sale at Barnes & Noble.

Plan To Keep Forclosed On As Renters - Proposed Bill
This is a win/win for all involved. The owners will be given the option to rent at fair market values, creating less vacancies.

State Farm Insurance Rate Hikes Denied in Florida

Solutions to Homeowners Insurance Crisis Discussed at Multi-State Forum

Feeding America
Assistance in locating your local Food Bank.

Catholic Charities Helping Baldwin County Poor
The "Neighbor Helping Neighbor Program"

President Obama's New Steps To Help The Housing Market
July 3, 2009 - New updates to help qualify more homebuyers for loan modification.

How Long Will A Foreclosure, Short Sale or Bankruptcy Affect Your Credit?
Facts on how and how long a foreclosure or short sale affect credit.

Bill Will Hurt Foreclosure Victims From Owning A Home
This bill has already passed the House and is in consideration by the Senate. For families like mine, victims of foreclosure, owner financing will be our only option to buy a home for up to 7 years. If this bill passes, investors will be limited to the number of owner financing properties they are able to provide to families like mine. We will be forced to rent for years!

Help Available For Baldwin County Homeless - Numbers on the Rise
Homeless Task Force of Baldwin County apply for grant for additional funds to help people avoid eviction & stay in their homes. Numbers are on the rise due to job loss, pay cuts, unemployement benefits reduced, etc. If you need help, contact us by clicking Here

HUD Approved Non-profit Agency Helps Modify Home Loans
Help for the Birmingham, AL area. Call 205-591-7500 Call your local HUD office for the office closest to you.

Mortgage Forgiveness Debt Relief Act - Know The Facts
Know your rights and obligations when dealing with tax issues caused by foreclosure and short sale.

Beach Pool Insurance Rates (of last resort) going up.
Rates going up in some areas, not in others.

Homeowners' Insurance Crisis Worsening
Fox 10 News update on the Homeowners' Insurance Crisis.

Homeowners Insurance Cost In Coastal Alabama Still Major Concern
Senator Pittman, Representatives Davis, Faust, McMillian, Baker and Shiver meet w/Baldwin County United to discuss the most urgent concerns for Baldwin County Residents.

Another Group Fighting For Fair Homeowners' Insurance Rates
We are NOT alone in our fight to bring down Homeowners' Insurance Rates. Check out this group!

Blogtalkradio Show #2 Homeowners Crisis Help
Information on assistance when trying to prevent or stall foreclosure, assistance information to help you survive the recession, find affordable food, affordable housing, low cost medical care, discount shopping, and much more!

Check Out Our Need Help Page for Assistance Information
We have assistance information on help feeding your family, finding affordable housing, low cost medical care, discount shopping and much more!

Fox 10 News Story On Our Website: Help Stop Foreclosure

Alabama Lawyers Helping Homeowners Facing Foreclosure

Utube Ad

Produce The Note Stradegy To Stop Foreclosure
Article to inform you on how to try and stop foreclosure by demanding the bank/mortgage company to "Produce The Note".

' target='_blank'>Updated Weather Forecast for Baldwin County, AL

11 Ways To Earn Extra Cash
Article on Yahoo! Finance with helpful ways to earn extra money.

HOW LONG DOES A LOAN MODIFICATION TAKE?
Excellent article on the process of a Loan Modification.

How to Report Neglected Foreclosed Homes In Your Neighborhood

AL House Senate Committee Pass HOI Bills
Alabama's Banking & Insurance Committee pass two bills to help ease the cost of coastal homeowners insurance. How will they help?

ADVERTISE YOUR PROPERTY FOR $1.00!
Search our Distressed & Storm Damaged Properties, or advertise your property for $1.00! Advertisement includes a link to your website w/certain restrictions. We are a secure website, dedicated to helping you save your home from foreclosure or short sale, provide you with the information you need to survive the recession - and if all else fails, provide a website where Investors/Buyers can find your property for a quick sale. Our goals are to provide information, help and HOPE!

ATTORNEYS FIGHTING FORECLOSURES IN FLORIDA
Today Show story on 50 Attorneys in Miami donating a day to review homeowners mortgages to stop foreclosures.

Homeowners Hurricane Insurance Crisis
If you are concerned about your Homeowners Insurance Rate HIKES - please visit this website for updates on the progress to fight back!

AIUA
One of the biggest issues homeowners in Baldwin and South Mobile Counties are currently facing is the price for wind/hail coverage. Many homeowners are receiving "Non-Renewal Notices" from their current Insurance companies. One alternative is to get a quote from AIUA - Alabama Beach Pool Insurance Information. I've provided the link.

Realtor Creates Website To Help Others
News story on website: RealEstateAgentsArePeople2, also known as HomeownersCrisis.com

NEWS STORY ON HOMEOWNERS' FINANCIAL CRISIS DAY
The Homeowners' Financial Crisis Day on Saturday, March 14th News Report.

Check Out Distressed Sales & Storm Damaged Properties
Search our currently listed distressed sales and storm damaged properties, or list properties of your own.


Please Wait...
News Content Refreshing
Hover over the box to stop scrolling. Click on any underlined text within the box to view more information (in a separate window).