Florida fonecall fuses fast financing flury!

Homes for Heroes is always pursuing ways to save our Heroes money. I have a good example of that below. Read on and save some money.

Today sitting in the Homes for Heroes office, as I often do, I was looking out the window, as I often do, wondering, as I often do, what could I do to get out of the office and into the blustery outdoors. My boss usually wants me to work but a Ninja must spend time with nature to keep his skills finely tuned. The drone of keyboards clacking and people talking on the phone can keep a Ninjas mind from remaining focused on the task at hand. That task at hand was figuring a way out for some simple Ninja exercises.

Ninjas do their best work outdoors.

I had tried everything from Ninja hypnosis to ancient Ninja mind control powders. Nothing was working, each attempt to get my boss to drink a fresh cup of coffee or a bottle of water was met with a “I have my own, thank you.” I resigned myself to indoor exercises. I started to focus on various people in the office, listening to what they say, blocking out all other intrusions. This was working until one young lady put down the phone and started to frantically hack away at her keyboard. This intrigued me and I wandered over to see what was up.

Before I even reached her desk, Kacy was telling me that Florida has some great first time buyer programs. Now this was weird. Normally I move through the office so quietly now one knows I have moved until I am at their desk. But it was soon forgotten as to how Kacy knew I was there, she was pulling up some very good information on some of Florida’s housing assistance programs.

Florida Housing’s First Time Homebuyer Program provides a continuous stream of lending throughout the year for eligible first-time homebuyers. If you’re not a first-time home buyer, you may still be eligible if you’re purchasing a home in one of 13 GO Zone counties that include Brevard, Broward, Collier, Glades, Hendry, Indian River, Lee, Martin, Miami-Dade, Monroe, Okeechobee, Palm Beach and St. Lucie.

Here are some of the program highlights. She was scanning so fast it was hard to keep up. When she is on the trail of savings, all I can say is, step back and let her get you those savings.

The program offers low-interest 30 and 40 year fixed-rate loans, down payment and closing costs assistance as well as access to credit counseling.

Teachers, firefighters, health-care workers, police officers, as well as active duty and veteran military personnel could be eligible for lower interest rates.

These savings from Florida as well as the Homes for Heroes savings can pile up to a whole lot of dough. Now I gave you a quick run down, Kacy will know a lot more. You can get a hold of her by calling 1-866 4-heroes orrrrrr send her a message through the Homes for Heroes website. Either way you will save some money and get some good deals on buying that home of yours.

Homes for Heroes captures Realtor in bank!!

Picture this. You are walking down the streets in Bryan-College Station TX. There is not a cloud in the sky and the temperature is just cool enough as to keep the perspiration at bay. As you walk into your bank to turn in your change jar for the families vacation fund you happen to notice a young lady with her two small girls talking to a Police Officer.

The Police Officer is describing something to the young woman. The animated hand gestures and the attentiveness of the young woman gives you pause. What is going on, you think. Is it a warning about a crime spree or something more nefarious? You steer your way closer in hopes to catch a snippet of what is being discussed. If what you hear is alarming you can step in and find out more. As you near the group you hear something about Homes for Heroes and witness the Police Officer accepting a business card from the young woman and her two small girls. Puzzled but not alarmed you continue to the counter and ask the teller to please deposit your change into your vacation account.

The teller takes your jar and heads to the back of the bank and dumps the jar into the change sorting machine. A couple of minutes later she returns the jar and several pesos from your last vacation that were rejected by the machine. You look at the amount and start to wonder if it is worth lugging 10 pound jars around for 10 bucks of change. You give no other thought to the Police Officer and the young woman. You head out to the street and start thinking about what should be placed upon the barbecue for dinner.

What this person failed to see, was that Homes for Heroes had just captured another Realtor. Let us introduce you to Dawn Thompson of Bryan-College Station, Texas.

Dawn Thompson

Dawn Thompson did what any good Realtor would do, she overheard the Police Officer talking about finding a home and promptly handed over her business card. Little did she know that by the days end she would be part of the Homes for Heroes team.

Speaking to Dawn about that day, she told us. “As I was walking out the door, the Police Officer called to me and asked me if I would help her and if I had heard of Homes for Heroes.  I got her number and told her I would check into it.  By the end of the day,  we were searching for her home.  The more I found out about Homes for Heroes, the more I wanted to be a part of it!  Wow!  What a great way to say “thank you” to those who, many times, lay their life on the line to serve & protect our communities, our cities, our states, and our country!   It is not a widely known program here, but I want all of the police officers, fire fighters, teachers, etc. to know of this program and it’s benefits.  After several years of real estate, I still had not decided on a niche market..  My heart was not set any where particular.  But Homes for Heroes has captured me, and I look forward to giving something back to those who dedicate their lives to help, serve, and protect us.”

Dawn has been a Realtor for over 5 years now and has lived in the Bryan-College Station area for the last 15 years. The two young assistants that were with her on that fateful day at the bank are also her daughters, Miranda (10) and Kyla (2). They assist her quite often and many of her clients have become great friends with them. Dawn is a web savvy Realtor that maximizes technology to make your real estate transaction not only simple but very rewarding.

So if you live in the Bryan-College Station area and want a Realtor that will get to know you and what kind of home you are looking for, then deliver. Dawn Thompson is who you are looking for. You can reach Dawn at the Homes for Heroes website.

Good Luck and happy home hunting!

NEWS FLASH!! First time home buyers race is on.

Attention all Homes for Heroes affiliates!

Attention all Homes for Heroes affiliates!

For you Homes for Heroes affiliates in the Twin Cities area pay attention. There is some serious coinage being thrown around by Minneapolis and St. Paul first time home buyers. A federal program called Take Credit is providing $8 million in federal tax credits. First time home buyers need to purchase a home in Minneapolis or St. Paul before December 1 in order to get an $8,000 tax deduction. According to the article only 130 first time buyers will be able to take advantage of this program. To get the details on the Take Credit program do the obligatory click here and read more.

To sweeten the pot and make it more interesting, the City of St. Paul’s Housing and Redevelopment Authority has just voted on a first time home buyers program. They are putting up $500,000 for 33 first time “Hero” home buyers that want to live in St. Paul. Veterans, Police, Firefighters etc. will be able to get up to $15,000 in a zero percent loan to use towards down pay or principal reduction. In fact, no payments are necessary until you sell the home or no longer use it as a primary residence. Even bigger news is that if the buyer lives in the home for 10 years the loan will be retired.

Spread the word, the tax credits and the 33 loans will not last long. This HRA program combined with the benefits of the Homes for Heroes program will surely make home ownership for our heroes an easier reality. This program will launch later this month, so get moving and get some heroes into homes.

This will link you to the HRA’s web site. Click on yesterdays date and the meeting notes will be there.

There are a few more details outlined in the attachment from the HRA meeting notes.

Okay, quit dilly dallying around and get your hero into these programs.

Knotek knows his tech.

Since Homes for Heroes started doing Bio’s on our affiliates, we have asked the affiliate to provide some background information for us. With that info we would put together a post and put it out there. Reading this affiliates bio, there was not much more we needed to do. In his own words, Homes for Heroes, would like to introduce you to Mikal Knotek.

In 2006, the economy was beginning to unravel. The mortgage industry was the stone that broke the camels back with fraud and poor lending practices acting as the heaviest weight. I saw misinformed loan officers through out the industry using poor judgment and taking advantage of unknowing clients.

In 2007 I re-evaluated my business plan and included room to give back. I wanted to give back because the greedy side of our industry had taken so much. I wanted to change public perception and bring confidence back to my clients. It was important for them to know that Bell Mortgage was one of the good guys in the industry

I searched for several months to find an organization to align myself with that would take advantage of my skills in the finance industry. I knew right away after speaking with David Cohen and Ruth Johnson (Homes for Heroes) that Homes for Heroes would be the perfect fit.

The HFH philosophy is easy, do what’s best for our heroes. Homes for Heroes unites a whole industry on behalf of the Hero. No other program that I have seen does this. Becoming a Homes for Heroes affiliate has given me the opportunity to say thank you to the people who give everything of themselves every day.

MIkal Knotek

Mikal Knotek has been a successful mortgage professional, manager, technology entrepreneur, and industry consultant.

 

Mikal entered the mortgage industry in 1991 after the purchase of his first home.  Learning the business from the ground up, he quickly moved his way up the ladder and became a leading roll in production.  In 1997 he co-founded The Harrison-Knotek Group with his residential business partner, Kathy Harrison.  In 1998 they moved their group to Bell Mortgage and helped evolve Bell into one of the area’s premier residential mortgage lenders.  His residential origination’s exceed 300 million dollars over the past 15 years.

 

While still in the mortgage industry, Mikal founded Audit Technologies, a lender based audit and consulting firm.  His keen industry insight gave new light to how lenders manage their service portfolio.

Audit Technologies and Mikal’s growing residential mortgage business led to the founding of Clear View Software, Inc. in 2001.  Mikal used his industry knowledge and technical background to develop ground breaking industry technology that moved data to and from consumers and lenders with the highest level of speed and security.   His company was later purchased by a leading Minnesota lender.   Mikal’s extensive technical insight keeps Bell Mortgage at the forefront of industry changes and improvements.

 

In addition to Mikal’s residential originations, he is also co-founder of the Bell Mortgage Commercial Lending Group and oversees its day to day operations.