hello monday {captured thoughts}

This past week I have this "lesson" of sorts that keeps popping up. You are what you think about. Your words have power. You may remember this post, were I try to control the drunk monkey. Well, I am back at it. Harnessing the power of my thoughts. Not in the "secret' sort of way. If I am just relying on me for the change, I will be back to my old ways in no time. It has to come from the heart. Has to be lead by the Spirit. This week I am praying for that heart change. I am praying my tongue is tamed. That my words are used for encouragement and not for harm. I am choosing to believe the truth and not the lies that are constantly whispered in my ear. This week I say Hello to gratitude instead of grumbling.

Hello new possibilities. Hello goal setting. 

Hello two more loads and we are ALL moved out.

Hello cold days.

Hello special gift. What shall I do with you? Oh the possibilities.

Hello crisp starry nights. Hello night 4x4 ing.

Hello to exercising again. I have a 5k I am training for.

Hello to good friends. Hello to supportive family. Hello I still  miss you everyday but I know you would want me to live and not wallow.

Hello gates opening. 

Hello life is good. 

Hello I am well organized efficient and effective. 

Hello we've got this homeschooling thing. 

Hello schedule. 

Hello everything is put away. 

Hello new listings. Hello undercontract. Hello new offers. Hello to finding "the one".

Hello some movement on that short sale.

Hello I am the professional.

Hello CE classes.

Hello SOLD!! 

Hello to your new chapter. You have been an amazing client. A wonderful inspiration. Full of grace. I thank God we crossed paths. 

Hello and thank you for the referral.

Hello to lunch with a dear friend. We do not see each other enough.

What are you saying hello to this week?

{linking up with Lisa }

hello monday. {15 years in the making}

This week marks our 15th Anniversary. I can hardly believe it. We were just kids... who would have ever thought? I remember when I was younger, I use to roll my eyes when I heard people say they had "married their best friend". Now, I am one of those people. I would choose you all over again, Jeff Maki. I love you to the moon and back. Happy Anniversary.

Well, let's get this week started right. Without any further a do, HELLO MONDAY!

Hello 15 years. Hello looking back and giggling. Hello many more to come. Hello so glad I have you and if I haven't told you that I love you, that I need you... well then I have just been side tracked with one crazy ride lately.  Thank you for the adventure. 

Hello early mornings. Hello elk hunting. I hope you get one soon. Hello man child you are getting too BIG. Thank you for the graphic stories about elk bugles and 4 wheeling. 

Hello three generations looking for "the one". Hello memories being made.

Hello it's time to finish unpacking, I can barely see the floor. 

Hello finished Cross Wall. Such a fun reminder of all the blessings in my life. Each one has a special memory tied to them.  

Hello one spot that brings me a little sanity. Hello pumpkin creamer. Hello smell of camp fire. Hello autumn. Have I mentioned that I love you? Hello to sweaters and boots and scarves. Oh, my!

Hello young man. So glad we hang out. Thanks for building me fires to keep me warm and opening my door. You always amaze me with the man you are becoming. 

Hello rethinking my love of chocolate. Hello intentional spending. Hello I vote by where I put my bucks. 

Hello should I or shouldn't I? 

Hello Book of Esther. Hello God stopping in my tracks. Hello healing. 

Hello you can accept our offer now. Hello listing a short sale? Hello appraisal. 

 Hello I have a few projects up my sleeve. Do I have time to accomplish them?

Hello Mom's apple crisp. You never let me down.

what are you saying hello to this week? 

{linking up with lisa for hello monday}

hello monday. {fresh start}

hello monday.

hello pinch of frost in the air. hello autumn orange sunsets. hello nutmeg in my java. hello breathe deep. 

hello have i told that i love you? hello sweet memories. 

hello new pallet table. hello packing and putting away the kitchen. hello painting just a little more.

  hello thrift store find. hello special carmel apple cookie recipe. hello joy. hello thanksgiving. hello schedule. hello showing you some homes. hello undercontract once again. hello prospecting. hello stick to the plan. hello deep conversations. hello homeschool. hello fresh start. 

what are you saying hello to this week? 

{linking up with lisa for hello monday}

Bloggers Block/ Hello Monday

Hello Monday... Already? Hello bank appointments. Hello listings. Hello showings. Hello dirty house?

Hello to even though my job is difficult at times God has equipped me.

Huh? Blogger block already? I ain't gonna lie. I have a bout 10 posts just setting in my box un finished. I have a great one about THE best birthday gift ever (given to me by my favorite neighbor). I mean this gift was amazing and I really want to share it with you.... but the right words are just not coming. Maybe I should just post pictures?! 


I have one on how to create the most fantastic vignette and one that tells you what to look for in a builder and their little secrets . Again. un finished. I am sure its because I have been incredibly busy... my mind has been on work. So,I write this to tell you, I have not gone anywhere. I will be back in the next day or two. For now, I am going to go get some cleaning done that has been put on the back burner...

 Picture of What is on my mind

Hello Monday and The TRUTH about Short Sales

Hello Monday. Hello to the last week of Summer Vacation.

 Hello to new routine. Hello bank negotiations. Hello to reaching an agreement before time runs out. Hello to education. Hello to price has dropped now bring me an offer.

 Hello to splash park with friends. Hello demolition derby and a stay at the farm.

The TRUTH about Short Sales..

Disclaimer 1: What I say today could change by tomorrow. That is just the nature of the business. One reason I loved my job in the beginning, no day was ever the same. If you have anything to add please leave it in the COMMENTS SECTION, it works now. If you have any questions or need  help with you real estate needs, don't hesitate to call me (801) 699.0824. Yes, I just put my contact info on my blog.....

Shall we begin??

Lets define a short sale. (Thank you Wikipedia.)

Short Sale : A short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property and the property owner cannot afford to repay the liens full amounts, whereby the lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt. Any unpaid balance owed to the creditors is known as a deficiency. Short sale agreements do not necessarily release borrowers from their obligations to repay any defiencies of the loans, unless specifically agreed to between the parties.

A short sale is often used as an alternative to foreclosure, which mitigates additional fees and costs to the both the creditor and borrower. A short sale will often result in a negative credit report against the property owner, however it is less damaging than a foreclosure report.

Common Myths:

•  I can stop making my payments while doing a short sale and they (being the investor/bank) can not foreclose on my house. WRONG!! WHILE DOING THE SHORT SALE IF YOU ARE NOT MAKING YOUR PAYMENTS THE INVESTOR WILL START FORECLOSURE PROCEEDINGS AND THEY WILL FORECLOSE ON YOUR PROPERTY. ULTIMATELY YOU WANT TO GET AN OFFER INTO THE SHORT SALE DEPARTMENT BEFORE THEY FORECLOSE. 
• I can strip the house and then let the bank come and get it. I put the money into it I need to get it out. OUCH!! BANKS ARE STARTING TO TAKE PRECAUTIONS FOR PEOPLE VANDALIZING THE PROPERTY. YEP, THAT'S RIGHT. WHEN YOU STRIP THE PROPERTY YOU ARE VANDALIZING IT. THERE ARE LAWS AGAINST VANDALISM.
• My friend who works at a bank for a lot of years says that I don't have to pay anything and they can't ask me to and they can't come back after me. I am scott free!! WHILE MOST BANKS WON'T COME BACK AFTER YOU. THEY CAN. UP TO 7 YEARS LATER.THERE CAN BE PENALTIES FROM THE IRS. IF YOU HAVE MI BE PREPARED. THEY WILL USUALLY ASK FOR A PROMISSORY NOTE OR ASK YOU TO BRING CASH TO THE CLOSING.
• In 30 days this will be all done and I  can move on to the next chapter in life. SHORT SALES IN UTAH TAKE A LONG TIME. FOR MANY REASONS. THE BANKS ARE DIFFICULT. THERE IS MORE THEN ONE PERSON WHO HAS TO ACCEPT YOUR SHORT SALES. THEY ASK FOR A LOT OF PAPER WORK. MANY TIMES THEY ASK FOR THE SAME PAPER WORK OVER AND OVER AGAIN. THEY WILL ASK FOR UPDATED PAY STUBS AND BANK STATEMENTS THROUGH OUT THE WHOLE SHORT SALE. EVEN IF THE SHORT SALE TAKES 411 DAYS. BE PREPARED TO CONTINUE TO OFFER THESE THINGS.  ALSO, BUYERS ARE NOT FULLY COMMITTED TO THAT ONE PROPERTY. IF THEY SEE ONE THAT SPARKS THEIR INTEREST MORE THEY CAN AND USUALLY WILL BACK OUT OF THE CONTRACT AND MOVE ONTO THE NEXT PROPERTY. LEAVING THE SELLER HANGING UNTIL THE NEXT  OFFER COMES IN.
• I am going to call the negotiator and give them a piece of my mind. This will make them really move and just accept the offer that was placed in front of them. NO! BEING AGGRESSIVE AND RUDE IS NOT GOING TO SOLVE ANYTHING. THE PERSON ON THE OTHER LINE IS VERY OVERWHELMED AS WELL. THEY HAVE A LARGE WORK LOAD. ON TOP OF THAT THEY HAVE NO PERSONAL ATTACHMENTS TO YOUR PROPERTY. THEY WILL PUSH YOU TO THE BACK... THEY ARE ONLY HUMAN AND GETTING PAID $10.00 / HOUR. PLEASE MAKE SURE YOU DOCUMENT EACH TIME YOU TALK TO THE BANK. PLEASE STAY IN CONTACT WITH YOUR BANK. IF THEY CALL... ANSWER IT. AVOIDING THEM DOES NOT MAKE THE SITUATION BETTER.

Short sales can be complex. They can be a very long process. You need someone to help you navigate the whole process. Even if you are a buyer. There are extra addendums that come along with short sales. Legalities and negotations.... DON'T GO AT IT ALONE, don't leave yourself vulnerable. Hire a good, educated Realtor, such as myself!!

(source)

Hello Monday. Let's get some perspective shall we?

Hello Monday. Hello to coffee and some Mc breakfast with a dear friend. Thank you GOD for her... good talk.Hello to instant chatting to a friend so far away. You know just what we need God. Thank you again for her... good talk. Hmmm.... Seems like my Monday has a theme about it. Hello bank negotiating. Hello to clean house and clean carpets. Hello new buyer. Hello to finally under contract... if you would send me the bank approval :) I told you short sales are a process!! Hello to perspective....


The picture above is a cherished one in my collection. This is one of me and my dad. Before  the divorce, before adolescence, before marriage and kids, long before...the cancer. Yeah, I said the ugly word, cancer.  The last year has been a rough one. Even before I found out about Dad's cancer. I mean we have really been refined this year. I am okay with it now. BUT when you are in the meat of it... its ugly and it hurts. Like sandpaper its rough, but when it is all done you are newly molded and a new creature. That is what I am. If you knew me four months ago... you don't know me now.


My perspectives have changed. My perspective on the economy , my job, money and STUFF. More then ever my perspective has changed on relationships. I have learned to ACCEPT people for who they are, where they are. Thank you Jesus. Sure admonish when need be, but for crying out loud don't let anger fester over silly things.Say what you need to say, in LOVE, say what you need to say. Don't write them off... they are worth it.  I have also learned that sometimes you can try REALLY hard and really open your heart up only to be spit on. I am okay with it now... Jesus just calls me to love. So that's what I do. 


Life is short... its true. Its even shorter in places like Haiti where a dear friend and her family are living for the summer. In Haiti death is just part of the population control. Are you kidding me? No, I am not! Every day children die there because they don't have the money for  a simple antibiotic, they fight for a small snack. While I set here eating Italian Creme Cake and start a post on the UP house. I just couldn't post it today. Because I am in a funk... and I am not going to pretend that all is magical today... because right now its not. 


I promise tomorrow... I will show you the UP house. Today the thought of the UP house only brings me to tears, because even there the L.O.V.E. of his life dies.


Thanks for understanding dear friends. I cherish all of you.


Two are better than one; because they have a good reward for their labour. For if they fall, the one will lift up his fellow: but woe to him that is alone when he falleth; for he hath not another to help him up. Ecclesiastes 4:9-10

HELLO MONDAY

I have to admit I stole this idea from the lisa leonard blog. Along with inspirational Monday's she has some amazing handcrafted jewelry. You should check her out.


I have always been a morning person, but not much of a Monday person. This little ritual gets me ready and pumped for my week. It reminds me of what I get to look forward to and just how blessed I really am.

Hello Monday. Hello August!! Hello Salt Lake Board of Realtor's town hall meeting. Hello to a rental system that may actually work. 

Hello UP HOUSE!! (More on that later) Hello to doing things I don't want to do... but they will make me better.

Hello buyer who is ready to buy and get out of your parents house :) Hello to we FINALLY closed you after 2 years of struggles with liens and HOA's !! Hello to patience. Hello to hard work always pays off. Hello to referral from a dear client, I promise to take good care of them. 

Hello to barbecue... in the rain? Hello to fun games and good conversations. Hello to remember who you are.

 Hello to getting to know new friends.Hello to 14 miles of running with the L.O.V.E. of my life.  Hello to " I can do all this through him who gives me strength." Philippians 4:13.