Posted on 16. November 2013 06:09 by qmiskini
Ho! Ho! Ho!
December rings in one of the most joyful times of the year. The current year coming to a close, celebration of Christmas and other Holiday Celebrations, all mean different things to different people, but most always represent joy. If you look around, you will notice a giving spirit exists unlike at other times of the year.
Unfortunately many home owners wanting to really enjoy this Holiday season are less than enthusiastic because they feel trapped. They are desperate to exit their current home and give themselves a big Christmas Gift – a NEW place to call home. Here’s where you and I can HELP. As a result of working with thousands of families over a nearly 20 year time span and through three documented recessions, we have developed a special program to get a quickly accepted “cash” offer on any home for market value. So we are giving Home Owners wanting to make a move a very special gift this holiday season.
For the month of December, we will guarantee, in writing, the sale of an area home in 30 days at a price acceptable to the home owner. In the event there is no sale, we’ll pay the home owner $3,000.* We and the home owner just need to agree on price. We do that starting with a simple, FREE consultation.
This is where you can help.
If you or anyone you know is considering making a move, we would like to offer them a FREE, NO Obligation to Sell for Top Dollar Consultation. On this call we’ll discuss just how they can make their move, get what they want, and do it with the least hassle. AND while we’re on the phone, we will instantly send them over a FREE Special Report titled: “Costly Home Seller Mistakes to Avoid When Selling During The Holiday Season.”
Just like we are thankful for you and your business, we are confident your referrals will be thanking you for steering them in the right direction on getting their home sold!! *A GREAT Guarantee: Sold in 30 Days or We’ll Pay a $3,000 Cash Penalty.”
And remember… YOUR referrals HELP THE KIDS
Any one you know considering making a move, wanting to buy or sell their home please refer them to us without hesitation. They will receive the guarantee we detailed above and you can rest assured your referrals will help the kids at Children’s Health Care of Atlanta.
We are on a mission to raise $25,000 for Children’s Health Care of Atlanta! They do great work in helping kids struggling to recover from debilitating diseases. They depend on donations and givers to fund worthwhile projects. These kids who are suffering are made better quicker thanks to Children’s Recovery Center, but that recovery center requires money to operate and continue. So we are donating a portion of our income on every referral we receive this year to Children’s Health Care of Atlanta so the kids in their care can continue to recover from these horrible diseases and grow up to experience life to the fullest.
It’s easy to refer your friends, neighbors, associates or family members considering making a move. Simply go to www.Friends-And-Family-Referrals.com to pass along your referral. Or of course you can always call us direct as well at 770-672-7832.
We hope you and your family are well and this Holiday month brings you joy and happiness!
With much appreciation,
Stephanie and Ira Miskin and the entire TMT Realty Group/Optimus Team
P.S. We love honoring past clients like you. Read all about that at www.Friends-And-Family-Referrals.com. You can read more about Children’s at www.CHOA.org.
P.P.S. We have enclosed an article that discusses the issues many area home owners are facing in today’s market. As you read it, you will see that our unique offer to guarantee the sale of a home or we’ll buy their home for cash gives home sellers great peace of mind when selling in today’s market.
√ NEWS LIKE THIS SHOWS HOW IMPORTANT IT IS TO HAVE GUARANTEES LIKE OURS TO HELP BUYRS AND SELLERS IN THIS CHANGING MARKET!! CALL US AT 770-672-7832 WITH YOUR REFERRAL AND WE'LL TAKE EXTRA-SPECIAL CARE OF THEM.
FHA Eases Rules For Some Borrowers After Bankruptcy, Foreclosure
To qualify for the break, FHA borrowers must show that their foreclosure or bankruptcy was caused by external economic factors. By E. Scott Reckard
The Federal Housing Administration wants to make it easier for people who have defaulted on their mortgages to get a new home loan with FHA backing.
But there's a catch. To qualify for the break, borrowers must show that their foreclosure or bankruptcy was caused by external economic factors, reducing their income by 20% or more for six months. And no, you can't have quit your job or have been fired for cause.
Those who can demonstrate such a pay cut, job loss or decline in business income now must spend only one year making timely rent and credit-card payments before they can apply to buy a home with an FHA-insured loan, a recent FHA bulletin explained. In addition, they must obtain housing counseling from an agency approved by the Department of Housing and Urban Development.
Borrowers generally are not eligible for a new FHA loan until three years after a foreclosure or two years after a bankruptcy. Previously, the death of a spouse or a medical emergency had been exceptions that could cut the wait to a year; now loss of income is listed as an extenuating circumstance as well.
"As the economy started getting better we were hearing about more and more people whose access to credit moving forward was being stifled by the situation the country has been through," FHA Commissioner Carol Galante said in an interview.
"What we've done here is to say, 'Let's look at this recession and financial crisis with that lens,'" Galante said.
"We want to recognize and distinguish between people hurt by that very serious circumstance beyond their control versus what you might call more normal circumstances — people who got into trouble because they used their credit cards too much and fell behind, that sort of thing."
"FHA is the new and only subprime game in town," said Jeff Lazerson, head of Mortgage Grader Inc. "To be able to get back into homeownership in as little as one year after a credit catastrophe — and with a tiny down payment — makes the mortgage insurance ... an easy pill to swallow."
A Family’s Experience with their Daughter’s Kidney Transplant
From Serious Illness to Saving a Life
Despite doctors’ reassurances, Angelica Hale’s parents knew something was wrong. Their normally vivacious little girl was in pain and getting sicker before their eyes. During a Sunday evening trip in February 2012 to the Emergency Department at Children’s Healthcare of Atlanta, they found out her condition was more serious than they could have imagined. “My wife called me Monday morning and told me they were already starting surgery to put in a chest tube,” said James Hale, Angelica’s father. “It was nothing but bad news.” Physicians told James and his wife, Eva Norman, that their daughter had pneumonia. The infection was so severe that her lung had begun to bleed into her abdomen, and the 5-year-old developed sepsis, a serious blood infection that devastated her kidneys. “Her blood plasma was polluted, and her lungs were just ravaged,” James said. “It was earth shattering. We were rocked.”
A Health Journey Begins
Angelica was admitted to the Pediatric Intensive Care Unit (PICU) at Scottish Ritehospital while her healthcare team worked for three days to stabilize her and fight the infection. James credits neonatologist Munir Kapasi, M.D., with saving Angelica’s life during those chaotic first days. Dr. Kapasi informed Eva and James that their daughter was facing triple organ failure and would need significant medical intervention.
Angelica was transported by helicopter to our Egleston hospital, home to one of the Southeast’s few ECMO centers, where she was put on extracorporeal membrane oxygenation for 12 days—“a lifetime,” James said. The heart and lung bypass machine took over Angelica’s lung function, allowing her damaged organs time to heal before surgery. “We thought we were about to lose our daughter,” James said. “We had no idea how long this journey would be.”
Once Angelica was stable enough, Richard Ricketts, M.D., Chief of our Division of Pediatric Surgery, performed surgery to repair her lung, which had lost nearly half its function. The blood infection compounded her health battle: Pollutants had overwhelmed her kidneys, and she developed hemolytic uremic syndrome (HUS). Her kidneys were barely functioning.
Amid the chaos, James said he was grateful for the extra care the healthcare team took to keep him and his wife informed. “I don’t like being in the dark, and the doctors and nurses absolutely kept us informed,” he said. “They were great.”
As Angelica recovered from her lung surgery, her parents held out hope that her kidneys would heal. She had been on dialysis since getting ECMO—for more than a year—in order to filter pollutants from her blood, but the damage was done. With her kidneys scarred, Angelica needed a transplant to recover from the harm her initial infection had caused.
After regaining her strength and continuing peritoneal dialysis over the summer of 2013, Angelica returned for a kidney transplant at Children’s, home to one of the largest pediatric kidney transplant programs in the country. The process moved quickly. James and Eva were tested, and they found that Eva was a near-perfect match to donate a kidney to her daughter. Sept. 13, 2013, Angelica received her mom’s kidney and bounced back quickly, much to the delight of her family and healthcare team. Now a joyful 6-year-old, Angelica is ready to get back to focusing on school, friends and her future singing career thanks to her support group and her Children’s team. “I’m really glad we brought her to Children’s,” James said. “We’re so, so lucky. Taking her to a pediatric hospital saved her life.”
READ ALL ABOUT HOW YOUR REFERRALS HELP THE KIDS AT CHILDREN'S HEALTH CARE OF ATLANTA AT: