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Chris Rocheford's Blog

By Chris Rocheford | Agent in 55051
  • R U looking for Foreclosed home

    Posted Under: Foreclosure in Mora  |  August 18, 2010 9:51 AM  |  1,309 views  |  No comments
    If you are looking for a foreclosed home in Kanabec County please visit my site below to register for a free listing of foreclosed properties.  Combining the purchase of a foreclosed home with low interest rates gives you the opportunity to pay less than market rent for a home in the Kanabec County area.

    Search Foreclosures Now 
  • $3,000 HAFA incentive - Short Sales

    Posted Under: Foreclosure in Mora  |  April 9, 2010 1:42 PM  |  1,578 views  |  No comments
    Are you behind in your payments and not sure what to do?  Have you considered a short sale.  New HAFA (Home Affordability Foreclosure Assistance) offers an incentive to home sellers that qualify for the program a $3,000 move out assistance funds. Find out if your eligible at www.stopforeclosure4metoday.com
  • Foreclosure Scams

    Posted Under: Foreclosure in Cambridge  |  March 24, 2010 8:17 AM  |  1,349 views  |  4 comments

    While there are many scams out there cheating people out of their homes, I think it is important to get the word out into the market place.  Here are some things to be on the lookout for:
    • Companies that require you to sign a quit claim deed so that they can sell your home.
    • Companies that require you to pay up front fees with no service provided
    • Companies that offer you to stay in your home after the sale
    • Companies that gaurantee results

    These are common avenues that some investment companies are using to take control of home owners properties. If you are not sure what to do, talk with a Certified Distressed Property Expert (CDPE) today to understand all of your options.  First and foremost we are here to make sure you are knowledgeable about your options. 

    You are not alone in this,  1 in 6 Americans are currently in the foreclosure process.  Need one on one discussion check out my profile.

  • Thinking about selling?

    Posted Under: Home Selling in Mora  |  March 18, 2010 1:30 PM  |  1,351 views  |  No comments
    Are you thinking about selling?  Today's Real Estate market presents some unique challenges for the average homeowner.  If you are trying to sell your own home to save on paying realtor fees.  I have to ask are you not willing to pay realtor fees or is it a question of money?  If it is money meaning that you are grouped in the 1 in 4 Americans that are behind in their mortgage payments.  Please, I urge you to see your realtor of your choice today.  In most cases in Mora if you bought your house in the last five years with a mortgage, you are upside down in value or you owe more than the property is worth. 

    This when listed or an attempt to sell is made is known as a short sale.  The trick here is to have someone negotiate on your behalf with the bank or banks depending on how many mortgages or Home equity lines of credits you have.  Banks will want you to try loan modification first before considering a short sale.  The little known fact is that in the case of short sale the realtors are paid by the bank that holds the mortgage on the property not the homeowner once financial distress has been proven.

    If you are not willing to pay realtor fee's, I am sorry you have had a bad experience in the past.  A good realtor will answer any questions you have without charging you.  Seek some answers to your questions about the paperwork process.

    Hope this has been helpful and provided information, if it hasn't please drop me a line on what information you feel is needed.
  • Going Green inside your home

    Posted Under: Going Green in Mora  |  March 1, 2010 6:02 PM  |  1,384 views  |  No comments

    I have been working on making more green decisions within my home for the past two years.  Some may think this is easy but it can be quite challenging for those of use that change presents a challenge.  While mentally I know I need to make better decisions on the environment that does not translate to living everyday life.   Change is never easy but I have been making some big strides this past year.  I started with buying the reuse bags that are now everywhere.  This translated into to where are they when I need them? Past that I now have 12 bags some I keep in the car, some in my purse and one in my briefcase.  Yes, my briefcase. 

    Then I moved into the Green cleaning products.  I really fell in love with Norwex and have since become an independant consultant.  Cleaning with water and natural products have my home feeling cleaner than before.  I am even carrying them to resturants to use on the table prior to enjoying a meal. 

    My lastest find is a spider remedy that has helped me with a few critters that no one wants in thier homes.  For this try 5 drops of pepperment oil, 2 drops of dish soap and 8 oz of water in a sprayer.  Keeps mice, spiders and the beetles away for up to 4 weeks at a time.  Leaving behind a nice peppermint smell with no harm to the environment, no toxins for your pets or childrens to accidentally digest. The draw back is that you have to spray once a month.

    Please join in if you have some natural ways to reduce chemicals in your home or change your consumer habits from land fill "Filler" to land fill "no way I compost" personality. Every little thing helps. 

  • Financial Stress

    Posted Under: Foreclosure in Elk River  |  July 16, 2009 1:51 PM  |  1,520 views  |  No comments
    I was reading an article the other day from a real estate source which is slipping my mind today.  The thing that stuck in my mind is that "one of every 10 homes on a block" somewhere in america is facing financial trouble.  There are options when it comes to your home.  The sooner you act the better it can be for yourselves and your credit.  I know it can seems scary and the natural step is to gather in and keep things close.  When in reality it is the opposite.  

    A short sale which is one option as I learned from another agent in my office is approximately a 50 point hit whereas a foreclosure is a 300-500 point hit to your credit score.  Are you ready for that on top of everything else?  A foreclosure will stay with you for many years to come and will cost you more money, by increasing the interest rates on loans and credit once you do get yourself back on your feed.  Contact your preferred Realtor today for a free confidential appointment to discuss what options may be available to you.

    I hope you find this helpful, please drop me a line if you have a specific topic your want me to discuss next.
  • Are you facing financial stress and looking for options?

    Posted Under: Foreclosure in Elk River  |  June 25, 2009 8:11 AM  |  1,493 views  |  No comments
    Are you facing financial stress?  Whether it is due to a lost job or a mortgage that is about ready to adjust.  My team can help get you informed at no cost to you.

    We offer monthly classes on some the terms that are widely used in todays housing market.  The more knowledge you have the better off you will be in the future.

    Can you answer theses questions?  What is a short sale? what is a deficiency judgement? what is an option contract?  How can I protect my home?  If you can't it is okay, please contact me to sign up for a class or a confidential meeting. 

    Please be sure to register for a class today at www.rochefordproperties.com or email me at chrisrocheford@kw.com
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