tag:blogger.com,1999:blog-4751922986745868824Tue, 06 Dec 2011 07:23:34 +0000Loss Mitigationlose homeLoansForeclosureFrank WibleLendersNew JerseyAgentsReal EstateReal Estate MarketCountrywideMortgageKeep HomeShort SaleForeclosure Grouploan modScamsheriffRemaxbankruptcyFrank Wible's Foreclosure/Short Sale Team is a highly specialized group of industry leaders that manage the handling of short sales and bank foreclosures.http://shortsalenj.blogspot.com/noreply@blogger.com (Frank Wible)Blogger62125FrankWiblehttp://feedburner.google.comtag:blogger.com,1999:blog-4751922986745868824.post-4414393643347944981Fri, 04 Mar 2011 14:15:00 +00002011-03-04T09:15:58.301-05:00<p>What a wonderful trip to New York City!&nbsp; <img style="display: inline; margin-left: 0px; margin-right: 0px" align="right" src="http://blog.national911memorial.org/wp-content/uploads/2010/08/MemorialWorkersTshirt-e1282241681349.jpg" width="240" height="160"> </p> <p>Yes, our economy is bad, and times are painful for most. But, for the first time since the terrible event called “9-11”, I was able to to visit New York City with my 10 year old son, 12 year old daughter, and wife who has maybe been to new York once in her life. And as painful as things are in our economy, NOTHING is as painful as a trip to Ground Zero!” Here is my story, and what life lessons I’ve learned on this trip.</p> <p>Most who know me, (or have been following me), know that I am a foreclosure/short sale Real Estate Agent that works mostly with people that are losing their homes for one reason or another.&nbsp; I’ve chosen this path in my business because I believe that everyone deserves another chance. Most people simply wanted a part of the American dream to own their own home…so went for it. Quite frankly there was nothing wrong with what they did. They gave it their best shot! For some it worked, for others…well, not so good. And, for those where it’s ending “not so good”, their situations were mostly out of the their own control. Loss of job, laid off, business shut down, etc.&nbsp; This is when I step in to assist and consult to begin the process of removing the housing pain.&nbsp; What does any of this have to do with New York and 9-11? Let me explain…</p> <p>What I’ve learned is that what I do by helping people in real estate is special to my clients. It’s what I do, and don’t even think about it…I just do it! In my eyes, it’s what should be expected (to help another person when and where I can). How can I not?It’s how I was raised!&nbsp; I believe that every American when faced with the challenge of someone else's hardship will in-fact step up to the plate and be counted. This was proven to me yesterday as I stood at Ground Zero and reviewed the pictures of people helping people in times that I would consider the “hardest” in most of our lives. These were not people losing their “homes”, but losing their lives; losing their husbands, wives, children, grandchildren, grandparents and friends; these HEROS who never met the people in need, stood in the front line without even thinking about it to put their own lives on the line. It was amazing!<img style="display: inline; margin-left: 0px; margin-right: 0px" align="right" src="http://t1.gstatic.com/images?q=tbn:ANd9GcRvbS4hSQo827JMkd9fDD2B1W332nIIyERIs-1WDiH-MhDcvTw&amp;t=1&amp;usg=__YffvSzHC1g2ZyiDVHOiVnOl0e_s="></p> <p>Even as we approach 10 years later since 9-11, I stood at the <a href="http://www.tributewtc.org/index.php">base</a> of the what used to be the most incredible buildings in the world, and with 100’s of other people walking around, yet you could hear a pin drop. It was so quiet. Almost to quiet. I guess the phrase; “We Will Never Forget”, is so true. People ARE NOT forgetting! New candles are lit every day, fresh flowers are delivered daily, and people walking around have the look of not only “rage and sorrow”, but true concern and caring for one another! For the first time in NYC (and I’ve been there quite a bit prior to 9-11-2001), people ARE helping people. A strange gentlemen (with a smile on his face) held the door for me, my wife, and kids as we entered the building. A man on the corner called a cab for us when he saw we needed one.&nbsp; The waiter at the restaurant sat down with me and my family to tell us his 9-11 story.&nbsp; HOLY CRAP, was this New York City, or was I warped into a different dimension.&nbsp; For the first time, walking around the streets of NY until late into the evening, (and maybe being just a little naive), I had no fear, and felt safe for me and my family! On our ride home, my wife confided in me that she felt the same way.&nbsp; People in NY have changed FOREVER!</p> <p>What I do in my “Helping People” real estate business may not compare to the men and woman who gave everything to help the people inside the <a href="http://www.tributewtc.org/index.php">Twin Towers</a>. But, it does mean something to the people I help in their own bad situation. Although not as grave, the disparity of lose, and the need for assistance is still there. What you think is not important, or even insignificant to you, could be very important to someone else that you’re helping. It does not take charging into a burning building to change someone's life, it sometimes comes in the simplest form of assistance to one another. So I take the “<strong>We Will Never Forget</strong>” statement and change it to my own, “<strong>We Should Never Forget</strong>”, that helping someone today could change their life for the better!</p> <p><b><img alt="Frank Wible" src="http://a3.twimg.com/profile_images/1109303267/profile_suit.jpg" width="78" height="96"></b> <p><b>FRANK WIBLE</b><br>Sr. Vice President, RE/MAX All Pros<br>Short Sales, Foreclosures, Bank Owned, Bulk REO,<br>Risk Management &amp; Recovery, Receiver for Lender Properties.<br>Realtor Associate, Sales Representative<br>NJ LIC# 0564108</p> <p><br><b>RE/MAX</b><b> </b><b>ALL PROS</b><br>5701 Route 42 South<br>Turnersville, NJ 08012<br>856-228-7990 Ext 150<br>856-745-7700 Cell<br>856-228-4433 Fax<br>856-494-1602 eFax<br>856-556-0447 Direct Line<br><a href="mailto:frank@frankwible.me">frank@frankwible.me</a></p> <p><b>Frank Wible's Real Estate Services</b><br><a href="http://www.FrankWible.com/">http://www.FrankWible.com/</a><br><br><b>Frank Wible on CBS with Katie Couric as The Nations Short Sale Expert</b><br><a href="http://www.cbsnews.com/video/watch/?id=4206565n">http://www.cbsnews.com/video/watch/?id=4206565n</a><br><br><b><b>Agents: Get 59% Referral Fee on Short Sales<br></b></b><b><a href="http://www.Get59Percent.com/">http://www.Get59Percent.com/</a></b> <p><b><br></b> <p><a href="http://www.facebook.com/FrankWible"><img src="http://www.frankwible.com/facebook_48.png"></a> <a href="http://www.twitter.com/FrankWible"><img src="http://www.frankwible.com/twitter_48.png"></a> <a href="http://frankwible.livejournal.com/"><img src="http://www.frankwible.com/livejournal_48.png"></a> <a href="http://shortsalenj.blogspot.com/"><img src="http://www.frankwible.com/blogger_48.png"></a> <a href="http://www.linkedin.com/in/frankwible"><img src="http://www.frankwible.com/linkedin_48.png"></a> <a href="http://www.youtube.com/user/fwible"><img src="http://www.frankwible.com/youtube_48.png"></a> <a href="http://www.google.com/profiles/fwible"><img src="http://www.frankwible.com/google_48.png"></a> <a href="http://activerain.com/fwible"><img src="http://www.frankwible.com/activerain.png"></a> <div class="blogger-post-footer">Frank Wible Loss Mitigation Supervisor Realtor, Foreclosure Expert www.ShortSaleNJ.com<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4751922986745868824-1760246588457517958?l=shortsalenj.blogspot.com' alt='' /></div>http://feedproxy.google.com/~r/FrankWible/~3/qguutvKD4jw/10-years-since-9-11-our-day-in-new-york.htmlnoreply@blogger.com (Frank Wible)0http://shortsalenj.blogspot.com/2010/09/10-years-since-9-11-our-day-in-new-york.htmltag:blogger.com,1999:blog-4751922986745868824.post-2649738195187087647Mon, 06 Sep 2010 00:38:00 +00002010-09-05T20:38:29.757-04:00<a href="http://www.weichert.com/32892417/?sms_ss=blogger">315 RANCOCAS BLVD, Mount Laurel NJ 08054, MLS #5740343, Weichert.com</a><p>In this market it takes everything to sell a home. being creative on your opening line is just as creative. Sure caught my attention. Not sure it's good for seling the home, but once again, sure brought attention. Good Luck! HA!</p><div class="blogger-post-footer">Frank Wible Loss Mitigation Supervisor Realtor, Foreclosure Expert www.ShortSaleNJ.com<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4751922986745868824-3967233182263242430?l=shortsalenj.blogspot.com' alt='' /></div>http://feedproxy.google.com/~r/FrankWible/~3/7Ixvgk2StMo/315-rancocas-blvd-mount-laurel-nj-08054.htmlnoreply@blogger.com (Frank Wible)0http://shortsalenj.blogspot.com/2010/09/315-rancocas-blvd-mount-laurel-nj-08054.htmltag:blogger.com,1999:blog-4751922986745868824.post-6378399360365514419Fri, 03 Sep 2010 15:09:00 +00002010-09-03T11:09:52.168-04:00I have to post my comments on this in my blog. New Jersey law states that is you are renting a home, and the home is foreclosed on, you pretty much NEVER have to leave. Just keep paying your rent to the new owner or lender in the case of an REO and they can never ask you to leave! If you were to have a 10 year lease with the prior owner for let's say $900 a month (well below market value) for a 4 Bedroom house, the lender would have to honor that lease! They have NO indications in the law to what "market value rent" should even be! Could you rent for $50 a month?....well, I would not press your luck with that one! :)<br /><br />What's better, is that the lender would have to maintain the property or face criminal charges! HA! "Hello, Mr. Lender, yes this is YOUR tenant at 123 Main Street and I'm just calling you to inform you that the roof is now leaking and needs to be fixed!" WOW! And they have to fix it! WHAT A COUNTRY!<br /><br />Ok, what do I conclude after reading this? Well, considering I do short sales for a living, I think I will start using this little bit of information in my short sale negotiations. "Yes Ummmm, [Insert Bank Name], the current home owner is considering renting the property out on a 10 year lease if we can not come to an agreement on this short sale. Do you happen to have a written lease your company uses or would you like me to make it up for the current owner?" OUCH! Lovin' it! Talk about short sale incentives...forget HAMP/HAFA, this is the best incentive I've seen yet!<br /><br />This law is so ambiguous, I'm sure it will tie up the court systems like there is no tomorrow and be changed 50 times before long. But, for now, tenants that live in foreclosure homes should feel safe that they will not be on the streets anytime soon! Just make sure the rent is there on the first of the month (or what ever day they spell out), and you will be good to go!<br /><br />On a side note, AGENTS, DO NOT attempt to have any tenant removed from a house that is in foreclosure (short sale) or has been foreclosed on...you could lose your license and face CRIMINAL charges! Additionally, your short sales that you now have with tenants in them; make sure you have your ducks in order and the tenant (if there is one), has plans to vacate prior to settlement. Find out their intentions....just don't ever say "You have To Leave!"<br /><br /><br />SAMPLE OF THE FORM THAT THE NEW OWNERS MUST SEND TO THE TENANT WITHIN 5 DAYS AFTER SHERIFF SALE...(You should see the restrictions on this! Font size, bold, etc etc)....<br /><br /><br /><br /><br />------------------------------------------------------------------------<br />NOTICE TO TENANTS<br /><br />THE FORMER OWNER OF . . . . . . . . . . . . (insert property address) HAS LOST THE PROPERTY AS A RESULT OF A FORECLOSURE. IF YOU ARE A TENANT AT . . . . . . . . . (insert property address) YOU HAVE THE RIGHT TO REMAIN IN YOUR HOUSE. THE NEW OWNER CANNOT FORCE YOU TO MOVE OUT BECAUSE OF THE FORECLOSURE.<br /><br />YOU ARE PROTECTED BY NEW JERSEY'S ANTI-EVICTION ACT, N.J.S.A. 2A:18-61.1 ET SEQ. FROM THE TIME YOU RECEIVE THIS AND UNTIL FURTHER NOTICE, YOU SHOULD PAY RENT TO ……(insert name and address of person to whom rent is due) PLEASE SEND RENT BY ……(insert method of transmission) ON THE ……(insert day) OF EACH MONTH.<br /><br />WITH LIMITED EXCEPTIONS, THE NEW JERSEY ANTI-EVICTION ACT, N.J.S.A.2A:18-61.1 ET PROTECTS YOUR RIGHT TO REMAIN IN YOUR HOME. FORECLOSURE ALONE IS NOT GROUNDS FOR EVICTION OF A TENANT. YOU ARE PROTECTED BY THIS LAW EVEN IF YOU DO NOT HAVE A WRITTEN LEASE.<br /><br />THE NEW OWNER CANNOT EVICT YOU WITHOUT"GOOD CAUSE," AS DETERMINED BY A COURT.<br /><br />THIS MEANS THAT ONLY A SHERIFF’S OFFICER WITH A COURT ORDER MAY REMOVE YOU FROM THE PREMISES, AND ONLY AFTER YOU HAVE BEEN GIVEN THE OPPORTUNITY TO DEFEND YOURSELF AGAINST EVICTION IN COURT.<br /><br />EXAMPLES OF "GOOD CAUSE" ARE FAILURE TO PAY RENT, WILLFULLY DAMAGING THE PREMISES, OR PERSONAL OCCUPANCY BY THE NEW OWNER. IT IS ILLEGAL FOR THE NEW OWNER TO TRY HAVE YOU REMOVED.<br /><br />A RESIDENTIAL TENANT IN NEW JERSEY CAN BE EVICTED ONLY THROUGH A COURT PROCESS. ONLY A COURT OFFICER WITH A COURT ORDER MAY REMOVE YOU FROM THE PREMISES, AND ONLY AFTER YOU HAVE BEEN GIVEN THE OPPORTUNITY TO DEFEND YOURSELF IN COURT.<br /><br />INDIVIDUALS CAN BE SUBJECT TO BOTH CIVIL AND CRIMINAL PENALTIES FOR TRYING TO FORCE YOU TO LEAVE YOUR HOME IN ANY OTHER MANNER, INCLUDING SHUTTING OFF UTILITIES OR OTHER VITAL SERVICE OR FAILING TO MAINTAIN THE PREMISES.<br /><br />IF THE NEW OWNER PRESSURES YOU TO LEAVE, CONSULT WITH AN ATTORNEY OR FILE A COMPLAINT WITH YOUR LOCAL PROSECUTOR. YOU MAY, HOWEVER, ACCEPT FINANCIAL COMPENSATION FOR LEAVING VOLUNTARILY IF THE NEW OWNER OFFERS SUCH COMPENSATION. IF SOMEONE IS PRESSURING YOU TO LEAVE, CONSULT WITH AN ATTORNEY.<div class="blogger-post-footer">Frank Wible Loss Mitigation Supervisor Realtor, Foreclosure Expert www.ShortSaleNJ.com<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4751922986745868824-5262232293815526160?l=shortsalenj.blogspot.com' alt='' /></div>http://feedproxy.google.com/~r/FrankWible/~3/4mbeZtNknZk/foreclosed-homes-and-tenants-njsa-2a18.htmlnoreply@blogger.com (Frank Wible)0http://shortsalenj.blogspot.com/2010/04/foreclosed-homes-and-tenants-njsa-2a18.htmltag:blogger.com,1999:blog-4751922986745868824.post-6033709918075939328Wed, 07 Apr 2010 19:34:00 +00002010-04-07T15:34:40.445-04:00