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It was truly an honor to be selected for The Marie Kindrick Fair Housing Award at this year’s Miami Valley Fair Housing Wrokshop.  I enjoy working with people who are searching for their next “home” whether that would be a rental or purchase; but importantly, I want to help ensure that it is Affordable and What They Want / Need.

So we are often asked many questions – and this post is to provide some of those answers, as well as to provide websites, links and expert advice regarding Fair Housing.

Fair Housing Tips Disabilities

About Fair Housing with Children

Service Animal Policies

MVFHC brochure

Agencies for Fair Housing Issues

Avoid Predatory Loans

Loan Modification Scam Alert


National Association of REALTORS released an update on August 16, 2012:

Extension of Mortgage Cancellation Relief Goes Forward

The Senate Finance Committee has crafted and sent to the full Senate a package that would extend the mortgage relief provision for an additional year, through Dec. 31, 2013.

The Senate was unable to act on the bill before adjourning for its August break and the party conventions. The Senate reconvenes on Sept. 10. Chairman Baucus (D-MT) had expressed a wish to finish this package before the election in order to provide certainty about the extension (or not) of more than 50 provisions. Nonetheless, it is not known if the package would also be considered in the House before the election.

Click to read more


Every situation is different, but to get some general guidelines about what is involved, I am happy to say that as a Co-Author – this book has some excellent tips!  Feel free to click on the link here for a FREE e-book version of

Should I Short Sale My Home-Ebook



Today’s market and needs have impacted many people, working with potential client’s I have looked at what I can do to help and I am glad to announce that I have received my Equator Platinum Agent Certification and Short Sale Certification.  There are many things involved with the process that you will want to ensure you are using someone who is up-to-date and well trained.  I am available to meet with you for a confidential discussion of what your options are and to assist you in moving forward to the next stage of your life.



Deals like this don’t last long – and if you wondered what kind of housing market we are in – HERE’s your proof!  This one is GONE (pending bank approval) but the rush to get in for showings and the multiple offers left no doubt, homes priced below market value SELL FAST!


Short Sales Get Shorter: New Deadlines to go into Effect
As part of a settlement with state attorneys general, the five largest mortgage servicers are adopting new requirements for short sales, which is expected to speed-up what has been known as a lengthy process.

Here are some of the new requirements for servicers under the settlement:

  • Servicers must provide borrowers with a decision within 30 days after receiving a short sale package request.
  • Servicers will be required to notify a borrower, also within 30 days, if any necessary documents are missing to process the short sale request.
  • Servicers must notify a borrower immediately if a deficiency payment is needed to approve the short sale. They also must provide an estimated amount for the deficiency payment needed for the short sale.
  • Servicers are also required to form an internal group to review all short sale requests.
  • Banks will be considered in violation of the settlement requirements if they take longer than 30 days on more than 10 percent of the short sale requests.

Violations can carry fines of up to $1 million and $5 million for repeat offenses.

Source: “AG Settlement Starts the Clock on Short Sales,” HousingWire (March 14, 2012)


This ad is for the Chevy Cruze ECO, but it makes a very “valid” point…


Watch You Tube video:  Chevy Cruze ECO ad


Many times, it is the “first” house you saw…the one you thought had something you didn’t like – that you end up going right back and fall in love with.  This video (although for the car itself) is actually a great ad for Real Estate!  When you make the list of all the Wants / Needs / and Like To Haves, make sure you allow a little room for your own personal touches to turn the house into your “home!.”  I am glad to help assist you in your search :)


If you are in need of additional information regarding owing more on your mortgage than what the tax value is / short sales / foreclosures, please feel free to contact Tammy…

Home Affordable Foreclosure Alternatives Program (HAFA)

In 2009, the Treasury Department introduced the HAFA program to provide a viable option for homeowners who are unable to keep their homes through the existing Home Affordable Modification Program (HAMP). The HAFA program took effect on April 5, 2010 and sunsets on December 31, 2012.

HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program. Servicers participating in HAMP are also required to comply with HAFA.

HAFA Provisions

  • Complements HAMP by providing a viable alternative for borrowers (the current homeowners) who are HAMP eligible but nevertheless unable to keep their home.
  • Uses borrower financial and hardship information already collected in connection with consideration of a loan modification.
  • Allows borrowers to receive pre-approved short sales terms before listing the property (including the minimum acceptable net proceeds).
  • Requires borrowers to be fully released from future liability for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment is allowed).
  • Uses standard processes, documents, and timeframes/deadlines.
  • Provides the following financial incentives:
    • $3,000 for borrower relocation assistance;
    • $1,500 for servicers to cover administrative and processing costs;
    • Up to $2,000 for investors who allow a total of up to $6,000 in short sale proceeds to be distributed to subordinate lien holders, on a one-for-three matching basis.

Information provided in NAR update report / newsletter November 23, 2011.