Lyon Tales

Get Out and Vote Early!

2008-10-27T10:24:00.003-04:00

All of us are well aware of how important this Presidential Election is to our country's future. Our voices must be heard and now there is no excuse not to vote. You can vote early at your convenience. Click the following links for more information or visit your local county elections website.

Broward County Supervisors of Elections

Miami Dade County Elections

Palm Beach County Supervisors of Elections

Thanks for your Vote!

Charnow Park-Hollywood, FL

2008-09-15T17:32:00.011-04:00

Lately, I've been looking for inexpensive, fun things to do with Jackson. Last weekend, while visiting Hollywood Beach, I noticed that Charnow Park had been renovated and has a great water park for the kids. It was perfectly located right on the boardwalk, close to the parking garage, food and of course the beach itself. It ended up being the perfect place for us to hang out. For the big kids, they have a rock climbing gym. For the even bigger kids, there's also raquet and hand ball courts. Charnow Park is located at 300 Connecticut St. Hollywood, 33019.

It wasn't this crowded when I went. I googled the pics of opening day!

Don't forget the sunscreen!

Have fun and be safe,

Kristy Lyon

2008 Beijing Summer Olympics

2008-08-21T14:51:00.004-04:00

Hello Everyone,

I wanted to post the video clip for the Beijing Summer Olympics opening ceremony for all of you that missed it. http://www.nbcolympics.com/video/share.html?videoid=0808_HD_OC_RC_CE005
The ceremony was four hours of very impressive entertainment. The Games have proven to be very exciting for the US in China. I've appreciated seeing the athletes dedication, skillfulness and emotion that pushes them through sometimes very difficult feats.

Enjoy the final days of these amazing games.

Kristy Lyon

Exclusive Summer Olympics news & widgets at NBC Olympics.com!

HOPE Outreach Center

2008-07-28T11:58:00.003-04:00

Hello Everyone,

While attending church yesterday, a volunteer for HOPE Outreach Center asked all the parishioners to make a donation of food items needed for their diminishing pantry. I immediately thought of some of the food I had in the house that I can donate. Then, I thought about all of you. We if all donated just one item, we can help these families in need.

FOOD ITEMS NEEDED FOR THE PANTRY

Canned Hams

Canned Chicken/Turkey

Beef Stew

Vienna Sausages

Spaghetti/Spaghetti Sauce

Tomato Sauce

Meat Soups

Mashed Potatoes/Canned Potatoes

Vegetables

Beans

Peanut Butter

Jelly

Shelf Milk

Saltine Crackers

Pop Tarts

Pancake Mix

Canned Fruit

Juices

Coffee

Cooking Oil

Gift Certificates to a Supermarket

Please deliver goods to The Lyon Company at

10032 Griffin Road

Cooper City, FL 33328

contact Kristy Lyon at 954-614-7985 or kristy@lyoncountry.com

to arrange for pickup

Thank you for your generous response!

Short Sale Advice

2008-03-27T17:30:00.007-04:00

Most people who sign a mortgage don't intend to walk away from it. Still, unforeseen circumstances -- huge medical bills, lost jobs, divorce or eroding property values -- can overwhelm even the best-intentioned borrower. A simple twist of fate can leave you facing a homeowner's worst nightmare: Foreclosure.
Communicate with your lender:Rest assured, where foreclosure is concerned, you and your lender are on the same side. Lenders want your money and the interest that comes with it, not your house. If you seem to be a good risk, the lender will offer to help keep your mortgage afloat. But be forewarned: If you seem like a bad risk, the lender may cut its losses by taking steps to foreclose and evict you as quickly as possible.
The key is to contact the lender before your debt gets the better of you. The sooner your lender knows of your problem, the more help it can provide.
The foreclosure spiral:The foreclosure spiral begins when your loan payment becomes 16 days overdue. At that point, your mortgage servicer will try to contact you to work out a repayment schedule to bring your loan current.
If your first payment becomes 30 days delinquent and the next month's payment looks doubtful, collection attempts begin in earnest. If your payments fall 90 days behind, the servicer will likely refer your mortgage to an attorney or other entity that will initiate formal foreclosure proceedings.
Here's a timeline of the foreclosure spiral:
Foreclosure timeline
Day 1Mortgage payment due today, the first of the month. Borrower misses it.
Day 16-30Late charge assessed on payment. Mortgage servicer starts attempting to make contact to find out what happened.
Day 45-60Servicer sends "demand" or "breach" letter to the borrower pointing out that terms of the mortgage have been violated.
Borrower given 30 days to resolve the situation by paying the delinquent amount.
Day 90-105Servicer refers loan to foreclosure department. Hires local attorney or other firm to initiate foreclosure proceedings.
Depending on the state where the home is located, the servicer's representative may record a formal notice of foreclosure at the local courthouse, publish details of the debt in the local newspaper, attend hearings on the case and make appropriate court filings.
Day 150-415House sold at foreclosure sale or auction. Wide time range due to different state requirements.
Borrowers in states with judicial foreclosures, or those in which lenders have to retake property titles via the court system, can get almost a year to straighten out their affairs before the sale. Those in nonjudicial states have as little as two months.
Day 150-415+After the sale, some states grant borrowers a "redemption period" in which they can still rebuy the property if they have the money. Others force consumers out immediately following the auction.
Ways to avoid foreclosure:Here are some options your lender may offer you if you miss a payment and want to avoid foreclosure:• Repayment plan: If you suffer a short-term financial setback (expensive car repairs, a medical emergency), your lender may provide some breathing room by agreeing to let you pay off your missed payment in two installments over the next two months.• Loan modification: Mortgage servicers can adjust the terms of your loan -- most often by lengthening the amortization schedule, lowering the interest rate or rolling the delinquent amount into the loan and reamortizing the new balance -- to help you bring the loan current.• Short sale: The lender allows you to sell the house for less than the outstanding loan amount, takes the proceeds and forgives any remaining debt.• Short refinance: The lender forgives some of your debt and refinances the rest into a new loan.• Refinance with a "hard money" loan: You won't like the high rates and fees of a hard money loan -- one from a private lender -- but it may buy you time to sell your home and avoid foreclosure.
If you have any questions about avoiding foreclosure, please contact Kristy Lyon at kristy@lyoncountry.com or call 954.252.9595.
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