Letters to Home Ownership Matters

Letters to Home Ownership Matters

Occasionally we receive letters from consumers, site visitors or other advocates. We are pleased to share them to you. E-mail Mildred.

"Absolutely valuable beyond my expectations. Well presented and with good pace."
-Don Morris, Highlands Ranch, CO

"The information gained in this class is of great value to any REALTOR in today's market even if they do not plan to do intervention."
-Linda Seekins, Parker, CO

"Mildred is a well-read and well studied expert in the field of foreclosure intervention."
-Nelson Sjostrom, Rockford, IL

"Phenomenal information that will assist a REALTOR in all aspects of the real estate industry whether one is choosing to be an FIS or not. All REALTORS should take this training. I appreciate you sharing all your valuable information and experiences."
-Linda Fox, Omaha, NE

"I have taken several other short sale and foreclosure prevention classes before. I learned so much more here. Thank You! I was able to help someone with the information I've learned already."
-Laura Davis, Lakewood, CO

"Excellent class. I am glad that I took it. Mildred is a very engaging and knowledgeable speaker."
-Tini Rossi, Marysville, OH

"Best course I have ever taken. Thank you!"
-Jennifer Farmer, Mount Vernon, OH

"This class was very informative and I learned a tremendous amount that will be of great value. The time certainly has arrived that consumers need an advocate."
-Donna L. Fejfar, Centennial, CO

"Excellent! Great Value! Would spend two more weeks in class learning from you!"
-Wendi Sheets, Cincinnati, OH

"Excellent overview of the foreclosure process and options, (retention as well as disposal). To help borrowers through a stressful time. This is an excellent program. I'll never know everything because each transaction is different and each lender operates differently but this gives me a great "tool box"."
-Jeri Groves, Evergreen, CO

"It is an excellent program. I have waited awhile to find something that would spark a true interest in me. You and this program have been a true blessing to me."
-Nekitta McClendon, Indianapolis, In

"I loved the program. Great format, great delivery. You are awesome! I have enjoyed the 5 days. I know that I am a better REALTOR with the information and resources I have gained. Consumer advocacy is a passion of mine and now I have the tools to help me and my clients."
-Suzanne M. Morgan, Pueblo, CO

"This course was most informative and I feel the instructor did an excellent job."
-Jean Bemus, Johnstown, OH

"Great job of clarifying this very confusing and complicated process works and how to protect ourselves and our clients."
-George Crego, Lakewood, CO

"This class was great! It gave me the inside scoop on how the foreclosure process works and how I can help others."
-Lynn Price, Fort Collins, CO

"My 8 hour class on short sales started at 8 a.m. By 11 a.m. I felt I had my money's worth."
-Laurine M. Oglesby, Indianapolis, IND

"Excellent class. Instructor's knowledge is amazing. I can't imagine anyone working foreclosure intervention without this class."
-Debra S. Popovich; Hilliard, Ohio

"For a new agent the class opened up the whole world of short sales. Very understandable format on notebook and instruction. Thank you. Class teaches not only the "How to's but the ins and outs-going in the front door and back door of how things are done-not done and should be done and how to follow the money."
-Sue A. Sazima; Avon Lake, Ohio.

"Super teacher! Great style! Great presentation!"
-Bob Snide, Lancaster; Ohio

"This course is an excellent resource for the real estate professional to help the public."
-Barbara J. Schuster; Medina, Ohio.

"I felt the content of the training and the trainer were excellent. The material was covered "understandably" fast, because of the nature of the subject. I've attended many training programs and this has to rank at the top. A power point demonstration of the BPO software would be helpful. I have paid several thousand dollars, for other pre-foreclosure training and none come close to the expertise Mildred presents."
-Harry Smallwood; Grahanne, Ohio

"Mildred is awesome! I really loved her classes. Very informative and helpful! I was surprised at how much I learned. One of the best classes I have taken."
-Julie Morgan; Grove City, Ohio.

"Great class-I'm glad I took it. I learned a lot more than I expected to and feel it will give me an edge when working in short sales."
-Erin Lease; Marysville, Ohio.

"Thank you! Wonderful information that will certainly impact my business and the clients I serve. Blessings!"
-Mary Lynn Hohman; Columbus, Ohio.

"Best CE class I have attended in 18 years as a realtor."
-Mandy Harless; Columbus, Ohio.

"This program is critical to my career in order to deal with the increasing number of foreclosures/short sales in my area."
-JoEllen Rhodeback; Granville, Ohio.

"Super 5 days well worth the time and the dollars spent!! Great presentations and distribution of practical knowledge."
-William Darden; Westlake, Ohio.

"Every realtor should take this training."
-Rosaline Leis; Wichita, Kansas.

"Great class! Very informative!!"
-Pat Dreailing; Wichita, Kansas.

"This program is beneficial to others from many aspects. The knowledge and information Ms. Wilkins offers is astounding as related to both real estate and consumer advocacy."
-Lori Elswick; Lorain, Ohio.

"Very informative. It's amazing what we didn't know!"
-BobMcCarthy; Maryville, Ohio.

"The depth of the material covered in FIS II and III is absolutely amazing. I am excited to work with graduates in the future."
-Kristen Biller; Columbus, Ohio.

"Great training class, very knowledgeable instructor."
-Luz E. Jaramillo; Hilliard, Ohio.

"Excellent class-excellent instructor! Best course I have taken since I have been a licensed Realtor. Mildred is a wealth of information-would recommend this course and this instructor to anyone!"
-Jamie Maze; Columbus, Ohio.

"Definitely one of my better educational experiences as well as timely."
-Michael J. Chambers; Columbus, Ohio.

"Invaluable to my business."
-Wendy Baldwin; Columbus; Ohio.

"The class was great. I always want to know more about REO and short sales and this class exceeds my expectations."
-Lucy Ferre; Wichita, Kansas.

"Outstanding! Very informative-a must have educational program regardless of your real estate role."
-John W. Waite; Maryvile, Ohio.

"If you don't feel confident to list short sales or work on loss mitigation options once you you finish the 5 classes, you didn't pay attention!"
-Kathy Wilkins; Grove City, Ohio.

"Thank you so much for the knowledge to make a difference in my community of Columbus."
-Tom Conley; Grove City, Ohio.

"Ms. Wilkins you are simply the best instructor I have ever had. I took this course for continuing education but you really opened my eyes to starting a FIS business. You are one in a million. Thank you!"
-Luke "Skywalker" Lumsden, Worthington, Ohio.

Comments from May 22, 2007 Short Sales Class in Hilton Airport

"Mildred is exceptional-education…heart…takes and keeps control of the class. Provided resources for us, ex. Websites, books, etc."
-Cheryl Hiebert; Wichita, KS

"This should be a mandatory class for all realtors-especially all new realtors."
-Kathy Stucky; Newton, KS

"Great class."
-Shirley McBryde; Wichita, KS

"Thank you, Mildred!"
-Lily Duncan; Wichita, KS

"Excellent!"
-Dale Valentine; Rose Hill, KS

"Truly enjoyed the class & learned a lot"
-Kathy A. Morgan with Prudential Dinning-Beard, Realtors

"No Improvements needed, it was great! and educational"
-Janet Foster with J.P. Weigand & Sons, Inc.

"Great Teacher"
-Carolyn Scarrett with Keller Williams Hometown Partners, LLC

"Very Good and applicable to my business!"
-Nancy Neff with J.P. Weigand & Sons, Inc.

"Excellent"
-Traci Smith with Keller Williams Signature Partners, LLC

July 29, 2003

Hello,

you do not know me, but I just wanted to say thank you. My husband and I was looking to purchase a new home. We would have been 1st time home buyers. Our only income is my husbands so we were not trying to get into a lending nightmare. I was flipping through the channels and watched you on your televised meeting from 7-19-2003, on predatory lending, the foreclosures. I learned so much from you. I want to praise the work you are doing and you are reaching people.

We were going to do a 2/1 buy down, zero down payment, Nehemiah and the works. We knew going into it was going to up the loan, but you said if that person sells the home tomorrow they are upside down. We looked at homes in Noblesville, Carmel, Fishers, Oaklandon all the places you named. I just wanted to take the time out to thank you for caring enough to help us and others out there that are just as lost. We can now realize that we are not quite ready yet to purchase a home and to save more money, and do a lot more investigating. I am so afraid that with the tax hike and builders brother lending, we would have made a terrible and costly mistake, and may have even ran into foreclosure problems without even realizing it. So again I thank you so much. Take care and continue doing a wonderful job the public is watching and listening!

Thanks,
Nikki

July 23, 2003

I just saw the taping of the MCANA meeting on July 19, 2003 on WCTY. I normally just pass by that station after a second of hearing what is on, but when I heard just a little of what you were talking about I had to stop and listen.

I recently turned in a Contract Termination letter to one of our Indianapolis area builders due, to what I feel, was misrepresentation and fraudulent actions by a lender in creating my pre-commitment letter to this builder. I am not an expert in this field, but feel that I know some of the issues to protect myself (2-1- Buy-down; Tax assessment; inflated appraisals), but when this mortgage company placed a stipulation of re-financing my current home if it did not sell in time, and specifically stated verbally at least 4 times, that they would do the refinancing, little did I know that basically, my home could not be refinanced according to their rules (which match many other lenders). The Lender had stipulated that I was pre-approved but I had to refinance my home. I did not know, nor was told that I needed to have 20% equity in my home (only being here 4 years) to refinance as an 'investment property' (Also needed to lease house out, even though I could qualify for both mortgage payments). I did not have during application (or do I now) the cash funds to make up the 20% to close on a conventional refinance loan. I also did not know that even after being told that this lender WOULD refinance our home, that according to their rules, there was no way.

I have sent all my documentation to the lender and builder. I am now waiting to her their response to it.

I would like to share my specific information with you so that, if you deem pertinent, you can share this will others. I have requested that if the builder feels that they need to seek damages, that they go to the lender. I will not submit to the builder on this and am ready to take whatever action that I can. I feel violated and hurtful that my family spent our time and hearts on a home that we would not have 'bought' had we known the pertinent information that they were keeping from us.

I appreciate your time reading this and will share your website with friends and co-workers to help educate.

Thank you.
S. Brown, Indianapolis, IN