HAFA "GUIDELINES" Please remember that HAFA is a comprensive set of "Guidelines". It is not law. The guidelines are not intended to be a one size fits all either. Each servicer (bank, lender) is currently employing their own version of HAFA. Some have not implemented their own guidlines yet and some are well down the road already. The important facts to remember as a homeowner are that HAFA: Continue Reading
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The Forecast is for Rain
As I write the May Newsletter, I am sitting here at my office desk, looking out the spacious window that views a flowering plum tree and a multitude of blossoming shrubs and trees whose names have long escaped me. I am quite fortunate to have an office that allows me to keep in touch with the beauty of the outdoor landscape. This view has inspired me on many an occasion. Today the sun is shining Continue Reading
In Balance
It is something that we normally seek but rarely find. And when we do achieve balance in our lives it becomes obvious to all those around us and to ourselves. Everything “works better”; we are able to handle the daily stresses well and we are much more efficient in our work and relationships. I am not going to pretend to have a system to achieve balance in our lives; but I do believe it comes from Continue Reading