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By Tara-Nicholle Nelson | Broker in San Francisco, CA

5 Mortgage and Foreclosure Myths

In a mortgage market that changes as quickly as this one, today’s fact is tomorrow’s fiction.  For buyers, misinformation can be the difference between qualifying for a home loan or not. Sellers and owners, knowledge is foreclosure-preventing, smart decision-making power! Without further ado, let’s correct some common mortgage misconceptions.

1.       Myth: Buyers with bad credit can’t qualify for home loans. Obviously, mortgage guidelines have tightened up, big time, since the housing bubble burst, and they seem likely to tighten even further over the long-term. But just this moment, they have relaxed a bit.  In the last couple of weeks, two of the nation’s largest lenders of FHA loans announced that they’ve dropped the minimum FICO score guideline from 620 (which allows for some credit imperfections) to 580, which is actually a fairly low score.

At a FICO score of 620, buyers can qualify for FHA loans at many lenders with only 3.5 percent down. With a score of 580, the lenders are looking for more like 5 to 10 percent down – they want to see you put more of your own skin in the game, and the higher down payment lowers the risk that you’ll default.  However, if your credit has taken a recessionary hit, like that of so many Americans, this might create a glimmer of hope that you’ll be able to take advantage of low prices and interest rates without needing years of credit repair.

2.     Myth: The Mortgage Interest Deduction isn’t long for this world.  Homeowners saved over $85 billion in 2008 by deducting their mortgage interest on their income tax returns. A few months ago, the National Commission on Fiscal Responsibility and Reform caused a massive wave of fear to ripple throughout the world of real estate consumers and professionals when they recommended Mortgage Interest Deduction (MID) reform, which would dramatically reduce the size of the deduction.

Fact is, the Commission made a sweeping set of deficit-busting recommendations to Congress, a few of which are likely to be adopted.  Fortunately for buyers and sellers, MID reform is not one of them.  Very powerful industry groups and economists have been working with Congress to plead the case that MID reform any time in the near future would only handicap the housing recovery.  Congress-folk aren’t interested in stopping the stabilization of the real estate market.  As such, the MID is nearly universally thought of as safe – even by those who disagree that it should be.

3.       Myth:  It’s just a matter of time before loan guidelines loosen up. 
The US Treasury Department recently recommended the elimination of mortgage industry giants Fannie Mae and Freddie Mac. I won’t get into the eye-glazing details of it here, but the long and the short is that (a) this is highly likely to happen, and (b) it will make mortgage loans much harder and costlier to get, for both buyers and homeowners.   It’s possible that loans are as easy to get as they’re going to get.  So don’t expect that if you hold out, zero-down mortgages will come back into vogue anytime soon. Fortunately, Fannie and Freddie aren't likely to disappear for another 5-7 years, so you have a little time to pull your down payment and credit together. If you want to get into the market, the time to get yourself ready is now!

4.       Myth: If you don’t have equity, you can’t refi. Much ado is being made about how stuck so many people are in their bad loans, because they don’t have the equity to refinance their way out of them.  If you’re severely upside down (meaning you own much, much more than your home is worth), stuck may be the situation. But there are actually a couple of ways homeowners can refi their underwater home loans.  If your loan is held by Fannie or Freddie (which you can find out, here), they will actually refinance it up to 125% of its current value, assuming you otherwise qualify for the loan.  That means, if your home is worth $100,000, you could refinance a loan up to $125,000, despite the fact that your home can’t secure the full amount of the loan.

If your loan is not owned by Fannie or Freddie, you might be a candidate for the FHA “Short Refi” program. While most mortgage workout plans are only available to people who are behind on their loans, the Short Refi program is only available to homeowners who are current on their mortgages and need to refinance up to 115 percent of their homes’ value.  So, if you owe $250,000 on your home, you can refinance via an FHA Short Refi even if your home’s value is as low as $217,000. If you think you’re a good candidate for a short refi, contact your mortgage broker, stat – there are some in Congress who think that this program is so underutilized (only 245 applications have been submitted since it rolled out in September – no typo!) that its funding should be diverted to other needy programs.

5.       Myth: 
If you’ve lost your job and can’t make your mortgage payment, you might as well mail your keys in.  Until recently, this was essentially true – virtually every loan modification and refinancing opportunity required that your economic hardship be over before you could qualify. And documenting income has always been high on the requirements checklist. But there are some new funds available in the states with the hardest hit housing and job markets, which have been designated specifically for out-of-work homeowners.

The US Treasury Department’s Hardest Hit Fund allocated $7.6 billion to the states listed below – all of which are now using some portion of these funds to offer up to $3,000 per month for up to 36 months in mortgage payment assistance to help unemployed homeowners avoid foreclosure.  Contact the state agency listed below if you need this sort of help:

P.S. - You should follow Trulia and Tara on Facebook, too!


By Carol Toronto,  Thu Mar 10 2011, 04:39
Hi Tara, I always read your articles. I find them factual and well written. I agree with most of the content, do not know where you are located, but you usually reflect what is going on here in Central Ohio area. Keep up the good work!
By Becky Mcbride,  Thu Mar 10 2011, 04:58
What do Texans who have lost their jobs do about getting the $3000 assistance to save their homes?
By Aileen Dbg,  Thu Mar 10 2011, 05:00
Thanks for showing up such fabulous information. I like this post, keep writing and give informative post...!

Seo India
By Harlan Reid,  Thu Mar 10 2011, 05:08
What is the benefit to refinancing underwater homes? That it's possible is fine, but I just don't understand why it would be desirable. Thanks.
By Stgcret,  Thu Mar 10 2011, 05:19
The fly in the ointment,with the 125% & 115% refi's is what percentage the banks decide they are going to use.

When I tried a 125% with Regions, at the last moment, I was informed they only do 95% vice 125% and when I went to my mortgage holder (Aurora), they too had a 95% cap. My ratio was at 99%, well under the 125% & 115% programs.

Retired from the Navy and at my job for 10 years. My fico was 757 and I have never late on a bill in 30+ years.

I think the bottom line is; the banks say,"oh yeah, we do "that" program, but in truth, they look for any reason at all to "not make the loan" because they do not want to make the loans in the first place!!!!.
By Mary Ann Chapman,  Thu Mar 10 2011, 05:19
Very worthy information that I plan on sharing with my clients. Thank you for your positive contribution to this crazy market!
By Phil Rotondo,  Thu Mar 10 2011, 05:20
Thank you for the info
By Kimberly Wilson,  Thu Mar 10 2011, 05:24
Great article, and thank you for sharing the information. We are all feeling the market in some form or another. I will be sure to share this with my clients and add to my blogs. Thanks again! :)
By Tean Wong,  Thu Mar 10 2011, 05:36
Always good to read your blog!
By Leah Schmidt,  Thu Mar 10 2011, 05:46
Thanks for the info, Tara. Very valuable and well-written. I look forward to your posts and always walk away feeling well informed. Keep up the great work!
By The Mortgage Helper,  Thu Mar 10 2011, 05:52
Unfortunately, in Texas, one must have 20% equity left in a home prior to qualifing for any refinance "cash-out" opportunity. That is right, a home owner can only re-finance 80% of the home value if cash-out is involved. Even worse, Texas laws regulate the amount of fees the homeowner would pay to only 3%. The intent was good, but using a flat percentage was not so wise! Those with smaller homes cannot get refinancing. Example: to refinance an $80,000.00 home the loan originator (be it bank or broker) is limited to 3% fees or in the example $2400.00. Take the appraisal, survey, investor and title fees out of the $2400.00 limit (3%) and the originator finds that they would have to pay onto the loan in order to make the loan. Unless they keep the loan inhouse and will not sell the loan it costs the bank to make the loan. Obviously refinancing in Texas on homes under 100K is limited !
By Patrickh,  Thu Mar 10 2011, 05:55
Why the heck would anyone in an upside down property want to make it more upside down? That is crazy! Yeah add more debt and kill your equity more. NO WAY! I suspect this article was written by a motivated mortgage broker LMAO. If you can't make your payments, just go find a short sales expert now. OR in some states their are a group of lawyers that are destroying the banks and getting people their homes free and clear. DO some research people. Don't let these blood suckers talk you into more debt.
By Max1673,  Thu Mar 10 2011, 06:00
I used to be a loan Officer/Realtor. I own a single family. My girlfriend and I want to buy a two family in the future. My girlfriend owns two investment homes. I want to sell my single family home and buy a two family with her. What do you think?
By Stephen Kass,  Thu Mar 10 2011, 06:02
I allways get a smile on my face when people say their home is underwater, why keep it? Yet that beautiful new auto they purchased dropped $10K in value the moment they drove it off the lot. If you bought your home as an investment to sell in five years and make a profit, well, it's time to pay the piper. But, if like many you purchased your home because you could see yourself living there and raising a family than current values are mute. Enjoy your home and embrace your orignal decision.
By Bob Emerick, Broker Associate,  Thu Mar 10 2011, 06:42
Based on my personal experience, my well-paid attorney strongly suggested I never again purchase an investment property with a girlfriend. Either get married where the laws of your state are very clear on division of property or keep your investments separate from emotional attachments.
If an emotional partnership, when combined with an investment partnership deteriorates, it can easily lead to irrational behavior on the part of one or both parties but without the guiding path of divorce law.
As my lawyer and I left the courthouse after the case was concluded, we were laughing and joking.......he said a clear sign that we won. My former girlfriend, not. But our total legal fees topped $45,000 fighting over a $165,000 property.
So who reeally won?
By Lou Wiggins,  Thu Mar 10 2011, 06:46
Good information!
By Jennie Titus,  Thu Mar 10 2011, 07:04
I agree with Stgcret, banks find any excuse not to lend the money
By Ann Stefanucci,  Thu Mar 10 2011, 07:27
Good info which I will share with my clients. Thank you.
By Peggy,  Thu Mar 10 2011, 07:41
You might want to finishe the last sentence in point #3.

Also, what is the link or reference for the statement in point #4... "(which you can find out, here)" ??
By Jackie Cuneo, Mortgage Advisor,  Thu Mar 10 2011, 07:51
If you plan to stay in your home for a while, a refi to a lower rate can often reduce your monthly payment immediately, and pay for itself in a matter of months. These programs can help people stay in their homes--and help convert a home from a difficult monthly liability back into a managable long-term investment.
By Nat,  Thu Mar 10 2011, 07:51
As a loan officer for 12 years I have seen first hand the sleight of hand banks use to offer help on the one hand and make the process so completely impossible on the other that you just scratch your head and wonder why.

This is very timely information and I will be sure to share with my clients.

Thanks you for taking the time putting this together

Nat Griggs
By Lori,  Thu Mar 10 2011, 07:52
When Fannie and Freddie are gone, does that mean that buyers whose last home was a short sale or foreclosure will be able to get another mortgage? Fannie's rule that these buyers cannot get another mortgage for up to 10 years is depressing the market. Can we count on being able to move forward and lenders making loans based on income, debt ratio, - the stuff that actually matters, rather than the govt's arbitrary rule that puts the blame on the wrong people?
By Julia Evinger,  Thu Mar 10 2011, 08:18

Thank you for including the links to state web sites for homeowner programs due to loss of employment. Very helpful!

Julia Evinger http://www.hoosierfinehomes.com
By Sarah,  Thu Mar 10 2011, 08:25
You talked about people with bad credit... Well, what about the people out there who have no credit? My husband & I are trying to buy a house, and we have found several in our area that are in much better condition than our current rental. All are less then $40,000. We are wanting to buy one of those houses, but we are in the middle of a rental contract with a very manipulative landlord. We talked to a bank (didn't fill anything out), and the bank tried to tell us we could NOT afford anything more that $150 per month at the most with our income level. But that isn't correct. We currently pay $350 per month (for a run down trailer), that is more than 2 times the amount we were told from our friend at the bank. We also pay a bill on Electric, Water, Natural Gas, Internet, our car payment, & our car insurance payment. We always pay our bills as soon as they arrive, we don't wait for it to get closer to the "due date". We are currently trying to find out were we have to go to apply for a "First Time Home Buyers Grant" from the state of Texas. Where do we go from here?
By Kimba Henriques,  Thu Mar 10 2011, 09:13
Are there mortgage assistance programs available outside of the states listed above?
By Tamara Schuster Broker, Agent,  Thu Mar 10 2011, 11:02
Great information to share with my clients. Thank you Tara.
By Brandy Markakis,  Thu Mar 10 2011, 11:52
Great info! Thanks for Sharing! :)
By Angelia Clay - REALTOR,  Thu Mar 10 2011, 11:56
Thank you Tara for the good information. Thank you for providing the website links. I will pass this information along. Angela in Martinsville VA
By Judith Muka (Mukaruziga),  Thu Mar 10 2011, 12:15
Great information Tara!
By Samuel,  Thu Mar 10 2011, 12:45
As always, very, very useful information!
Thank so much Tara.
By Michele Lucchini - SFR ABR,  Thu Mar 10 2011, 12:50
Thank you for the information.
By Tdr37,  Thu Mar 10 2011, 13:46
of course there is now a fund for the hardest hit--because those funds will go directly back to the banks. foreclosure processing is so far behind that people are living in homes without paying anything. Now the banks will get some income while they catch up the paperwork so they can kick them out after 3 years with no help essentially to help the homeowner refinance. one more scam for the banks to get taxpayer money.
Why I belong to a credit union.
By Tdr37,  Thu Mar 10 2011, 13:50
Fannie Mae told us a foreclosure prevented a buyer form getting a mortgage THROUGH them for 5 years and a short sale for 2 year. But that does not prevent a mortgage by other means. And there are other mortgages out there. Once the Fannie and Freddie FRAUDS are gone, new rules will be pout in place by the next backer. Who knows what that will be.
Suggest looking at personal financiers, real people who don't want to put their money in banks, but prefer to help other real people buy homes. Remember the Bailey Building and Loan in It's a Wonderful Life?
We don't need banks, they want us to think we do. They are the frauds that sold house notes multiple times using photocopied signatures on bank notes to Wall Street who resold them over and over.
Madoff is small time compared to the banks.
By Walter Gould,  Thu Mar 10 2011, 13:54
By Walter - The Biggest Thanks In World, Mar/10/2011
I beleave Your info may very well have saved My families home. I THANK YOU FROM WITHIN MY HART.
By Aaron Mtuanwi,  Fri Mar 11 2011, 04:41
We need to do more of home buyer education.
By Brian Foster,  Sat Mar 12 2011, 00:24
stgcret I can point you to a lender that will go the full 125% if you meet all the criteria. at worst you can find out for free. email me at brian at bffconsulting dot com
By Mark Turcich,  Sun Mar 13 2011, 11:22
Hi Tara,
Great content, but I am unaware of any FHA lender that will accept
a 580 fico score. If they do, I would guess the hits to the rate and
required extenuating circumstances would be excessive.
Mark Turcich
chicagoland- mortgage-banker
By Phyllis E Russell,  Mon Mar 14 2011, 13:22
Hi Miss Tara,

This is incredible information. Thanks So much!
By Kathy Cooke, Home Stager, Just-Stage-It,  Mon Mar 14 2011, 18:47
This is such valuable info, info that will help many folks seek out their answers instead of feeling helpless. Great info, clear and concise!
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By John Crowe,  Tue Mar 15 2011, 15:23
Interesting. Always appreciate debunked myths.
By David Sartirana,  Wed Mar 16 2011, 06:13
Thanks for great info and the reminder that our clients expect to have answers and info like this.
By Daniel Moyle,  Wed Mar 16 2011, 06:22
You're a regular myth buster Tara. Great news in this market, too. Thanks for putting this together!
By Trish Ricklefsen,  Wed Mar 16 2011, 06:26
Your link is 41 characters too long to post to Twitter. I tried. Follow me @ HouTXRealEstate http://wwwHoustonMetroProperties.com . In a lot of ways, lending has become easier for buyers - stable employment & buying what they can afford. That's the way it should have always been.
By Gary Lee, SFR,ABR,TLRP,BBM,  Wed Mar 16 2011, 06:41
Knowledge is the Game Changer!Thanks for clearly explaining what the public and Professional Realtors need to know. So many buyers have thrown in the towel and this is giving them more than hope. Thanks for sharing
By Scott Trinkle,  Wed Mar 16 2011, 06:47
Thanks Tara Great information http://www.exitrealtyjpr.com
By Patreecia Spaulding,  Wed Mar 16 2011, 07:10
There is so much misinformation out there. I appreciate it very much when someone who is truly knowledgeable tackles the myths. What you've shared makes it pretty clear that now really is a good time to buy or get ready to before Fannie Mae and Freddie Mac disappear. So, thanks again.
By Daniel Besuglow,  Wed Mar 16 2011, 07:20
this is great information that i will share with all my agents. thank you Tara.
By Larry English,  Wed Mar 16 2011, 07:28
conundrum - refinancing costs $$$ - how do people who need $$$ have the $$$ to refinance?
By John DL Arendsen,  Wed Mar 16 2011, 07:29
That's some pretty informative and timely info. Thanks
By Ron Rovtar,  Wed Mar 16 2011, 07:36
Thanks for posting this. Excellent information!

By C. W. Gibbs,  Wed Mar 16 2011, 08:05
Well Tara after 30 years in the real estate business I understand the guidelines. To turn this market around we will need from Fannie Mae and Feddie Mac a second chance mortgage with a interest rate one point above the market rate. The road to recovey in this country is in it's real estate market. We did recover from the Savings,Loans and now we must overcome the Banks.
By Donna Davis,  Wed Mar 16 2011, 08:09
What would happen if underwater homeowners who cannot pay their mortgages would simply quit claim them back to the mortgage holder? No run arounds, No years of angst while the papework is lost and shuffled from one person and department to the other. No foreclosure needed because the bank owns the property.No deed in lieu of needed. Now the only problem is what the mortgage holder wanted to do with the mortgage. It would probably take years for the mortgage holders to figure that out if the past is any indicator of the future.
By RON PERRY,  Wed Mar 16 2011, 08:13
Excellent info! Thanks!
By Patrickh,  Wed Mar 16 2011, 08:39
You all need to do more research before you start telling everyone half truths and flat out lies. Tdr37 is right on. All these programs are just another quick fix scam FOR the banks benefit. There are many real estate investors that will work for you in the private sector better then the banks or government ever will. THEY can work with you and decide what you really can afford and much more varieties of terms. SEEK out local investors, rentors. Call every real estate agent in your area. Many work with such people. This is why big government doesnt work. And thank god they are finally doing something about it.
By Donna Kunzig,  Wed Mar 16 2011, 08:49
Like so many others, Tara, I find your articles interesting, easy to read and forward to my clients, and very well written.
By Troy King,  Wed Mar 16 2011, 09:01
Nothing available in California? Can find anything about this program
By Frank Zedar,  Wed Mar 16 2011, 09:05
Tara - Great article... Thank you. Florida has been SLAMMED. 60% of our closings in Flagler County are short sales! And in all the turmoil, only Lee County qualifies? In the entire state?
By Tileman,  Wed Mar 16 2011, 09:30
By Tammy,
I have a question, Bank Of America is the servicer for Freddie Mac, you have an arm, and upside down, your husband is working self employment and you get retirement, we are of age 65 , you get turned down for HUD after 2 years of going through paperwork and waiting , and then Bank of America offers to renegotiate after and you go through the process again for 6 months to get a different loan called in house loan where they will get the investor, Bank of America turns you down and says you don’t make enough money and they put you in foreclosure, and I'm in California. How do you explain this?
By Ted Erickson,  Wed Mar 16 2011, 11:21
I can lend on FICOS as low as 500 as can a few banks now. FHA allows this. The 580/620/640 scores are base scores and require less documentation and have more relaxed guides. Visit my site and blog where I post the guidelines if you want to apply for an FHA loan with scores below 580. I only do California loans but I can point you in the direction of banks that will do it in other states. http://www.tederickson.com
By Joy Moran,  Wed Mar 16 2011, 11:29
Key words here are Bank of America. They are facing class-action and multi-state lawsuits due to their dual tracking-- processing foreclosures alongside modifications. They started approving modifications like crazy about the time the lawsuits were filed.

By Tammy,
I have a question, Bank Of America is the servicer for Freddie Mac, you have an arm, and upside down, your husband is working self employment and you get retirement, we are of age 65 , you get turned down for HUD after 2 years of going through paperwork and waiting , and then Bank of America offers to renegotiate after and you go through the process again for 6 months to get a different loan called in house loan where they will get the investor, Bank of America turns you down and says you don’t make enough money and they put you in foreclosure, and I'm in California. How do you explain this?
By Tom Ryan,  Wed Mar 16 2011, 13:06
Tara, thank you for this article and all the others. They are well written and to the point. I find them very useful. The knowledge they impart is very practical and I use them in my every day dealings.
By Dan Lyons,  Wed Mar 16 2011, 13:13
Tara, Just a note to let you know this realtor appreciates the time and energy you always put into your article and I love passing the information on to clients and others in our office. Keep up the great work. Thanks.
By Kim Duclos,  Wed Mar 16 2011, 14:42
Thanks Tara! Great piece as always!
By Kim Duclos,  Wed Mar 16 2011, 14:43
Thanks Tara ~ Great piece to work with - I appreciate YOU!
By Joe Henry Martines,  Wed Mar 16 2011, 15:56
Tara Buena Informacion Gracias joe henry
By Joe Henry Martines,  Wed Mar 16 2011, 15:59
Tara ! Thank You the information. joe henry
By Discount Brokers Please,  Wed Mar 16 2011, 16:58
"In the last couple of weeks, two of the nation’s largest lenders of FHA loans announced that they’ve dropped the minimum FICO score guideline from 620 (which allows for some credit imperfections) to 580, which is actually a fairly low score.
At a FICO score of 620, buyers can qualify for FHA loans at many lenders with only 3.5 percent down. With a score of 580, the lenders are looking for more like 5 to 10 percent down"

I think Albert Einstein said it best... "Doing the same thing over and over again and expecting different results".

I guess I can't blame you guys for taking advantage of lax lending standards, again. After all, your just the sales people.
By D. Vincent Murphy,  Wed Mar 16 2011, 21:25
WOW . I read this and have to think that this market is doomed. If 3.5 % is still around we will never get out of this mess. The reason why the real estate market will crumble is people with bad credit should NOT own. Every person should have to put down 20% min to qualify for a loan. Back in 1920's people purchased stock with 10% on the dollar, well the great stock market crash .The Gov't cannot have to truth be told so they have kept rates low to keep people thinking real estate is still a investment. It is something you buy to live in not to make money overnight. Until they get rid of shorts and make people who cannot make there payments to foreclose this market will not find a true bottom. hate to be so negative but a free market is not waht we have.
By Darlene Almaraz,  Wed Mar 16 2011, 22:14
B of A was not helpful at all in my situation. Tried to refi when I was still qualified, then tried to modify for a year and a half, then gave up and let it foreclose as they were not going to help whether I had the money or not. I'd like to get added to that class action suit! I don't recommend anyone get a mortgage with them. Even an account for that matter.. Boycott them period~ The banks say they are not in the business of owning homes, but yes they are. They take all your interest up front 70 thousand or so, then take your home too.
By Carla Tsoris,  Thu Mar 17 2011, 09:41
Thanks for all the GREAT information Tara.
By Jeff Graves,  Thu Mar 17 2011, 14:26
Tara, I enjoy reading your articles and appreciate the information you provide. It's too bad that Hawaii wasn't included in the list of this last article.
By Krista Murphy,  Thu Mar 17 2011, 20:42
Hi Tara,

Do you know of any help similar to the Hardest Hit Fund in Washington state?
By Voices Member,  Fri Mar 18 2011, 09:12
Thank you so much for this post!!! Very informative.
By Mark Neighbor,  Fri Mar 18 2011, 11:40
Thank you for the post excellent information.
By Karla Wagner #1 Broker JLS LTP,  Sat Mar 19 2011, 11:01
Nice job as always Tara. Great information!
By Christine Kankowski,  Sun Mar 20 2011, 12:16
I'll have to o some research on the 125% loan. Ihave not seen that as possible for my individual case, but I'll give it a try.
By Sharyn Willard,  Sun Mar 20 2011, 18:32
Thanks for the info
By Barry Shapiro,  Sun Mar 20 2011, 20:30
Thank you for sharing. The CA website as posted is incorrect. The correct site is: http://www.keepyourhomecalifornia.com/
By Jeffrey McDowell,  Mon Mar 21 2011, 12:14
Excellent information.. Some of my clients are using this information to help them make their buying/selling decisions.
By Buy and Sell House Fast,  Sun Mar 27 2011, 16:40

Found this post on foreclosure myths a few weeks ago.
Quite Interesting!!
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By FJS,  Sun Apr 3 2011, 08:28
no help for PA?
By John King, GRI, SFR, Broker,  Tue Apr 5 2011, 06:02
Hi Tara,
Thank you for another great post! You inspire me to write more, and that is the hardest thing in the world for me to do!

Thanks again. . . .
By stevecalis,  Sat Apr 9 2011, 04:56
Hi all,
Thank you so much for sharing such a informative post its great.
By Dave Beckmann,  Sat Apr 16 2011, 14:47
Tara: Thanks for the helpful information. The information is both timely and factual. Keep up the great work!
By John Walin,  Sat Apr 16 2011, 14:48
good post
By Gus Pishue,  Tue Apr 19 2011, 11:01
Great post. Thank you.
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By Brian Petrelli,  Fri May 6 2011, 11:10
Great post. Thanks for the info.
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