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End of Compassion Week at Church on the Living Edge

The Church on the Living Edge was completing their compassion week with a big celebration Downtown Orlando.  My 15 year old son, Taylor Frank, Robert O’Hare (15 years old) and myself, Kimberlee Frank, headed Downtown to Orlando to celebrate.  When we got there, the city was full of people heading to restaurants, going home, going to work and many homeless.  We found a parking spot and headed to the ample theater to listen to the great music.  At the end of the night, the saints (members) of the Church of the Living Edge was to give out bags of groceries to the needy.  We finally got a seat and were singing with the music when the three of us decided that we were going to hit the streets and start telling everyone we saw that at 9:00 p.m. they could get FREE FOOD.  People couldn’t believe that the Church on the Living Edge was giving away free food.

We had spoken with many people by the water and then headed down the street when we heard a voice scream “Taylor”.  We all looked and it was Taylor’s friend, a young boy still in high school that lived in our neighborhood.  He had just turned 18 years old. We were happy to see him and asked him what he was doing Downtown Orlando.  He responded to us that he was homeless for the pass 3 days living on the streets.  We couldn’t believe it, we were all in shock!  This boy is a straight A student and has two divorced parents to live with.  He explained that he was on the streets for mistakes that he had made with his mother.  We gave him $45 and our telephone numbers to call if we could help.  I didn’t know what to do as a parent, I wanted to take him home but it was just 7 p.m. and we were going to be here until 9 p.m.  He showed us where he was sleeping on the corner of Rosaline and Pine on the churches stairs.  There were approximately 30 people sleeping on the entrance.  We told them all about the Free Food and asked them to come down at 9 p.m.

We walked back to the theater to wait to hand out the bags.  We were so happy that we told about 75 people and were looking forward to giving them groceries.  At 9 p.m. hardly any of them showed up except Taylor’s friend who informed us that if they would not leave their spot because their belongings would get stolen and they would lose their spot to sleep the night.  The three of us decided to take the food to them.  That evening Church on the Living Edge gave out 300 to 500 bags of food to the needy.

My boys seeing their friend on the street really made them realize how lucky they have it.  They also had many questions about the people on the streets.  Our economy has affected many people.  We all need to reach out and help other people in their time of need.  We felt great we were able to be part of compassion week.  However, we felt terrible about Taylor’s friend.  When we were ready to leave, I decided I was going to take him home with us but couldn’t find him.

All the way home we talked about what type of foods someone who was homeless could use without having to refrigerator it or heat it up:  Here is a list we came up with:  peanut butter, jelly, crackers, fruit roll ups, pop-tarts, cereal, potatoes chips, anything in cans that had pop lids, dried food and more.  When we got home, the boys where so upset about their friend we went to the father’s house to tell him about his son.  At first he was yelling and then changed his tone of voice.  He said his son had to hit rock bottom before he could help.  (there are always two sides to the story).  We left knowing we did our best for Taylor’s friend and now it was up to his parents to take responsibility and help their son.

Thank you God for allowing us to be a part of this compassion week and showing us so much.  May your hand of favor reach out to all the people in need during this rough economy.   Thanks, Church on the Living Edge and Bishop Mark Chirrona for reaching out to the community.  This was a night that my boys or I will never forget.

Always thank god for what you have,

Kimberlee Frank

www.SellFastRealty.com

407-888-3433

 

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Walt from Seniors and Life Solutions

Sell Fast Realty, Kimberlee Frank, Taylor Frank and Robert O’Hare share a wonderful story of how they had fun.  The Church on the Living Edge decided to reach out to the Orlando Community in July during compassion week.  I, Kimberlee Frank of Sell Fast Realty was excited as I always wanted to show my son how to give back but never did it.     I asked my 15 year old son, Taylor Frank and his friend 15 year old, Robert O’Hare if they wanted to help.  They said sure.  We met with Walt from Senior and Life Solutions.com who said come on over.  We met him at a church in Oviedo where they packed food for seniors. I was so impressed with him he has done this for years.  He is truly a hero for many in need.  Listen to the video – you might have to turn it up or go to around 2 minutes to hear clearer.  http://youtu.be/huowI3awUOU

 

Food packed for Seniors and Life Solutions ready for delivery.

The room was small and really hot.  There were NO FANS and we were all sweating.  If anyone is reading this article and would like to donate some, I believe all the volunteers would be very appreciative.

Here are a few pictures of the room and  the food they have already packed.

 

 

Food donated to Seniors and Life Solutions

 

 

 

 

 

The boys attention span was lost quickly.  We were given the option of either delivering meals or packing bags. Of course, the boys jumped on the delivery.

 

 

 

 

We started at 6:00 p.m. and finished at 11:00 p.m.  The kids and I had such a great time.  I know, I know, the delivery time was late but never late than never.  Taylor said we were driving like the Fast and Furious as there were raised humps in the neighborhoods.  So picture this!  We were going down the road and looking for an address in the dark when boom we went up and over the raised humps.  Taylor hit his head on the ceiling, Robert about choked on his gum and the food in the back of the car went thump.  We laughed so hard until we were crying.

Kimberlee, Taylor and Robert at Seniors and Life Solutions

The best part of compassion week was the closeness and learning experience my son and Robert had with seeing the happy faces of the people who we delivered food too.  Thank you so much Church on the Living Edge for doing compassion week.

I am urging anyone who has the time or money to contribute to www.SeniorsandLifeSolutions.com.  In addition, join me and my family at Church on the Living Edge for a great time.  www.ChurchontheLivingEdge.com.

Take Care,

 

Kimberlee Frank

www.SellFastRealty.com

407-888-3433

 

 

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Homeowner Associations Getting Out of Control in Florida

Wow – What a crazy week I had.  I am writing this article to let everyone know what is going on with Homeowner Associations during a short sale.  First off, I want everyone to understand that Homeowner Associations have the right to personally go after each and every Seller regarding their dues and it can become a personal judgment against the Seller.

Many homeowners are behind on their houses payments are being forced into foreclosure.  When it comes to a short sale, all liens or amounts due on the property for potential liens will need to be discounted and/or paid off in full.  Florida has many properties that have homeowner associations dues.  Some have more than one homeowner association.

It use to be so easy to negotiate with the homeowner association regarding the dues owed on a property.  A couple of years ago Florida passed a law that guaranteed the homeowner associations one year worth of dues should the house go into foreclosure.  This law did not take into consideration what if the homeowner needed to do a short sale.  When the law first past, many homeowner associations would  not even consider negotiating on the balance due to them during a short sale because they knew that the Bank would have to pay them at least one year worth of dues should the property go to foreclosure.

Recently, I had not just one deal but three deals where the homeowner associations would not agree to accept the short sale discount that the Bank offered.  All three properties were under $60,000 and were getting more than 1 year worth of homeowner association dues.  The worst part of negotiating with the homeowner associations they request an estoppel fee to be paid upfront  for providing the homeowner with the total amount due for homeowner associations fees.  The estoppel fee is either paid to the management company and/or an attorney.  The price ranges from $100 to $500.  This is totally crazy because if you contacted your mortgage company for a payoff their would be a nominal fee of $15 for the payoff figure.  Who do you think is paying the fee prior to finding out of they will NOT agree to the discount? We have to guess at the amount due based on what the homeowner informs us and when we know we are getting close to a short sale approval, the estoppel fee is paid by the title company and/or the homeowner.   I am now requesting my sellers to pay for the estoppel if they are more than 1 year behind on their homeowner associations dues.  In addition, after reviewing the amount due to the homeowner associations, they are including late fees, interest fees, attorney fees, broken blind fees, non-approved tenant fees and more.  A homeowner association bill that was originally $900 for late dues is now $21,000 based on the above junk fees.  $1,000 for broken blinds, give me a break they can only see the blinds from outside the unit.  I do understand they don’t want junky properties however, how would they like boarded up properties or broken windows like there are in many states.

I totally understand that right now it is tough for the homeowner associations as they are taking a big hit due to the non-payers.  In addition I feel sorry for all the homeowners whose dues are being raised to cover the homeowners in foreclosure.  However, do the homeowners who are current really know what is going on.  Do they know that many houses could be sold if the homeowners association would agree to a discount versus allowing the house go to foreclosure which decrease the value of their properties more?  I kind of doubt it!  If they did, they would be in agreement that having some monies being paid now and a new neighbor paying their homeowner dues is better than waiting the 749 days which is the time line for many foreclosure actions in Florida.

I am still working on two of the three properties dealing with the attorneys from the homeowner associations to get them to accept $4,000 now and a new buyer which would avoid the homeowner going into foreclosure.  The last negotiation I had with the attorney for the homeowner associations refused to talk to me and would only speak through her secretary.  We were off by $1,800 which the attorney said “have the buyer, realtors and title company take a discount”.  It is bad enough that the short sale lender is reducing commissions to realtors to 5% or 4% if you a good enough agent to list the property and find a buyer, now the homeowner associations are working against the people who are helping them stabilize their community by selling their homes.  This is totally wrong!

If you are a homeowner and you are going through foreclosure, I would recommend to do your best to keep up your homeowner associations dues or they can come after you personally.  If you are a realtor, I would highly recommend that you find out from your homeowner how far behind they are on their dues.  If you are a homeowner paying your dues, attend your board meetings and find out what are they doing on short sales.  You do have the right to speak at a board meeting.

We are all working together to improve the economy, can we all play nice?  I would sure hope so.  I did close one of the three deals but had to pay $300 towards the homeowner associations dues.  I didn’t like it at all, however, it was the only way to get the deal through.  I would have loved to walk away from the deal and tell them forget it.  However, there were circumstances that stopped me from doing so.  The short sale approval letter was expiring and the bpo value on the property would be expiring too so that would mean another bpo value from the bank and more paperwork from the homeowners plus my homeowner would still have the same problem next time.  The buyer had to be out of their place and had given notice so that would mean possibly a new buyer.  I am a great negotiator when in comes to playing poker (that is what I call negotiating), however, I knew when to fold and close the deal for the benefit of all parties including the homeowner associations.

Receive Great Short Sale Tips from FREE SHORT SALE MANIFESTO FOR REALTORS – CLICK THE LINK:

 

https://vw942.infusionsoft.com/app/form/short-sale-manifesto-for-realtors

 

Kimberlee Frank

www.SellFastRealty.com

407-888-3433

 

 

 

 

 

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