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Reactr
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Posted: Tue Apr 22nd, 2008 03:25 am |
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| In the short time he has been in office, John Williams has shown himself to be very accessible. John is different from the old gang: He listens and takes responsible action. Anyone that can't communicate with John must on the wrong frequency, creating a lot of static.
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razenkn
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Posted: Mon Apr 21st, 2008 07:53 pm |
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Lisa C wrote..
We can't even get John Williams to attend an HOA meeting on time or stay long enough for the us to talk to the man about the empty home.
You are kidding right? He attends them, right? He has been in the paper requesting people to come be a part of the committee, he has advertised his coffee talks in all the papers and on his blog site, and all you have to do is pick up the phone or email him and he will respond very quickly, at least he has to me so why are you trying to imply that he doesn't make himself available? That is just another one of your mean spirited falsehoods.
Sorry, it's just not right to take your frustrations out on those who are doing what they can to help, they didn't put you in the situation you are unhappy with, you did it all by yourself. Or at least you haven't said anything to convince me otherwise.
Last edited on Mon Apr 21st, 2008 07:53 pm by razenkn
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big guy
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Posted: Mon Apr 21st, 2008 07:36 pm |
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| Lisa C do you know for a fact that the mayor is going to use this information to sell any properties through his company. If you have concrete information you should be contacting the real estate board and the attorney general. You seem to have too much information, selling to Canadians and other foreigners to be just surmising. If you don't know and are guessing, probably not a good idea to drag someone's name through the mud unless you have facts, especially the type of information you are spreading.
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razenkn
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Posted: Mon Apr 21st, 2008 07:32 pm |
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spincycle wrote: Hey there "Cane Raiser"...
Lisa was asking questions and ONCE AGAIN you can not answer ANY OF THEM.  The only thing you COULD DO was twist and turn her words. Typical idiotic behavior from the SURPRISE SUPERSTAR CANE RAISER.
Coming from the likes of you spin, I consider that to be a great compliment because when you continue to personally attack me it shows you can't argue with my logic so you have to turn the conversation to me. But that's ok, I don't hold that against you.
Again, what questions didn't I answer? Are you speaking for Lisa C now Spin?
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spincycle
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Posted: Mon Apr 21st, 2008 07:08 pm |
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razenkn wrote:
Oh ok, I get it now. This is really just a post about wanting to trash the council, not really about the foreclosure situation. Sorry you feel the need to do that though.
Just for the record I did not say you called Mayor Truitt "slime" I said you "slimed" him with your derogatory insinuations of him being crooked somehow. But in actuality, there isn't a huge difference between doing either one and you should apologize for such ugly statements that have absolutely no fact or merit, just mean spiritedness to back them up. We need to grow beyond that childish type of behavior, we have a professional and respected council now that need our support to move Surprise forward. But you know that.
Back to the subject at hand though, you still didn't explan why would you purchase a home that you can't really afford? Nobody is willing to address the fact that is where the bulk of responsibility lies. When you signed on that dotted line and saw what your payments would be today, and what they would be in two years, didn't a little alarm go off in your head and say hey, we won't be able to afford this house in two years.
There were many larger and more expensive homes in my development but I couldn't afford them, not to say I wouldn't have qualified, but then I would have been house poor and I wasn't willing to do that. When I added up my budgetary commitments each month vs my income it was pretty much a no brainer what I could afford and what I couldn't. I settled for a much smaller home and much less expensive because that is what responsible people do.
The bank didn't force you to sign for the mortgage did they? Hence, why I don't get the foreclosure "crisis". I think it is more of a "not taking responsibility" for your own future "crisis". Am I wrong??
Congratulations on your great home purchase.
I also bought a home I could afford and I put a whole hell of a lot of money down on it. I have a FIXED RATE (in capitals so you can't twist my statement around) and I recently tried to refinance for a lower FIXED RATE. After all the money I put down on my house, my outstanding credit/payment history, the bank had the audacity to tell me NO.
All this crap about the lenders and federal/local governments helping people is pure and simple B.S.
Last edited on Mon Apr 21st, 2008 07:09 pm by spincycle
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spincycle
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Posted: Mon Apr 21st, 2008 07:03 pm |
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Hey there "Cane Raiser"...
Lisa was asking questions and ONCE AGAIN you can not answer ANY OF THEM. The only thing you COULD DO was twist and turn her words. Typical idiotic behavior from the SURPRISE SUPERSTAR CANE RAISER.
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razenkn
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Posted: Mon Apr 21st, 2008 07:00 pm |
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Oh ok, I get it now. This is really just a post about wanting to trash the council, not really about the foreclosure situation. Sorry you feel the need to do that though.
Just for the record I did not say you called Mayor Truitt "slime" I said you "slimed" him with your derogatory insinuations of him being crooked somehow. But in actuality, there isn't a huge difference between doing either one and you should apologize for such ugly statements that have absolutely no fact or merit, just mean spiritedness to back them up. We need to grow beyond that childish type of behavior, we have a professional and respected council now that need our support to move Surprise forward. But you know that.
Back to the subject at hand though, you still didn't explan why would you purchase a home that you can't really afford? Nobody is willing to address the fact that is where the bulk of responsibility lies. When you signed on that dotted line and saw what your payments would be today, and what they would be in two years, didn't a little alarm go off in your head and say hey, we won't be able to afford this house in two years.
There were many larger and more expensive homes in my development but I couldn't afford them, not to say I wouldn't have qualified, but then I would have been house poor and I wasn't willing to do that. When I added up my budgetary commitments each month vs my income it was pretty much a no brainer what I could afford and what I couldn't. I settled for a much smaller home and much less expensive because that is what responsible people do.
The bank didn't force you to sign for the mortgage did they? Hence, why I don't get the foreclosure "crisis". I think it is more of a "not taking responsibility" for your own future "crisis". Am I wrong??
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Lisa C
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Posted: Mon Apr 21st, 2008 06:28 pm |
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Once again Razenkn puts a negative spin on the blogg.
First off, I did not say that the mayor was a slime. Those were Razenkn's word not mine.
Second I did not say that the government was to bail anyone out. I did say that they have lowered the interest rates. But most of us "real people" who are not behind in their payments, can not take advanage of the rates because we do not have the equity in our homes to refinance. Where Razenkn got his information is beyond me.
So instead of doing a 16 week study on the foreclosure issue, maybe the city council should start a landscaping committee to clean up these empty homes. All of sudden the city council wants to work with the HOA's?
We can't even get John Williams to attend an HOA meeting on time or stay long enough for the us to talk to the man about the empty home.
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razenkn
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Posted: Mon Apr 21st, 2008 05:04 pm |
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Maybe you can help me understand this situation better Lisa C. Why would you purchase a home you couldn't afford to meet the obligation for? I'm having a very hard time with some of these foreclosure "crisis" because that has been going on forever, people getting caught up in the bigger house and the bigger car syndrome, both of which that usually can't afford. But when the A.R.M. comes due or whatever the loan commitment is that is agreed to, the homeowner cries foul. Can you explain that to me so that I can get it through my thick head, because I'm just not making sense of it.
And why would anyone expect the local government to step in and fix it? They had absolutely nothing to do with what has transpired. I think it's very admirable of this council to be concerned with how it will impact neighborhoods and hopefully they can work with the HOA's to keep areas from becoming blight areas, but other than that, not much they can do. I don't think it's as much of a "feel good" effort as a practicality issue to do damage control and I give them kudos for being proactive on that situation.
Just saw the Mayor slime, don't you think it is a little over the top there Lisa? Whatever would give you or anyone else the impression that Mayor Truitt would even be capable of involving himself in such dirty dealings and how does that benefit our community to make such blatantly false accusations? I guess you forget that people wanting to relocate here (hey, maybe they will buy your house) read the local blogs, don't you guys ever think of things like that?
Last edited on Mon Apr 21st, 2008 05:09 pm by razenkn
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Lisa C
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Posted: Mon Apr 21st, 2008 05:34 am |
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I don't know where the city council thinks they are going with this 16 week "foreclosure study".
I personally think this just another "feel good", "look what we're doing for you the citizen", attempt by the council.
Is the mayor going to use the information from this study to sell the foreclosed homes through his real estate business to the Canadians and other foreigners who are now buying up homes left and right as investments?
Is the council going to buy up the empty homes and fill them with renters?
Is the city council going to give me back the equity in my home, that I need to refinance my home to bring down my payments and take advantage of the lower interest rate? I have no equity in my home so I can't refinance and take advantage of the lower interest rate the government offered me.
Is the city council going to sell my home for me when I owe more than what my home appraises for? Are they going to find a buyer for my home when new homes are selling for thousands less then what I am trying to sell mine for?
If the federal government can't find the answer...why does our city council think they can with a "16 week" study?
Again, where is this study going?
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CRUFFYINAZ
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Posted: Thu Apr 3rd, 2008 12:23 am |
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| or so we would think. the shame of it really is that in the marker and driving around surprise seeing the amount of bank owned properties and the weeds getting out of control, these "landlords" have also lost you great clean tenants who have plenty of cash?!
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Mamazoyd
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Posted: Wed Apr 2nd, 2008 03:06 pm |
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Wasn't there a statement about "cash is king" -- what happened to that?
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CRUFFYINAZ
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Posted: Wed Apr 2nd, 2008 03:56 am |
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| and do you know what the scarier thing is? we have friends moving to surprise from the uk one of whom is an american citizen but lived there since she was a teenager and her husband and 14 year old child, they are willing to pay cash up front for 9 months renting and cant find anyone that easy to accept their application because they dont have credit here yet?!
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GEM127
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Posted: Fri Mar 28th, 2008 01:01 am |
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We shouldn't bail anyone out. I thought I made a good decision when I purchased my home. So if we bail out the sub prime borrowers and the companies who financed these homes.
Then I want my mortgage paid also. Let the tax payers pay my mortgage payment for about 6 months. I think that would be fair.
Maybe instead of giving the people a check that is suppose to stimulate the economy, we could pay some of their creditors with that money. Now there's an idea. I'm sure their creditors would like that.
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deuce
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Posted: Thu Mar 27th, 2008 10:06 pm |
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What do you think of HRC's proposal for the mortgage crisis? "Freeze foreclosures for 90 days and interest-rate resets on subprime mortgages for five years. Provide states $30 billion to help states and cities buy foreclosed properties. Have FHA buy mortgages in which borrowers owe more than their home are worth."
Last edited on Thu Mar 27th, 2008 10:08 pm by deuce
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GEM127
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Posted: Tue Mar 25th, 2008 02:07 am |
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WOW With the end so near I can't believe anyone would be on here writing about O'Bama and his holy Rev. You should be out gathering food and gas before the government starts rationing it. And please turn of your power when you are not using it. We have to save it so there will be some to use later in the week.
Just remember women and children go first in the life boats.
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bouche
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Posted: Mon Mar 24th, 2008 09:58 pm |
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Thanks BB 35 for the link . . . http://www.foreclosurelistings.com/Foreclosure-State/State-Foreclosure.htm . . . it's a great reference for the bottom feeders who are looking to snap up some properties at fire sale prices. The next generation of "flippers" are just waiting for the bottom to make their move.
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Mamazoyd
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Posted: Mon Mar 24th, 2008 08:50 pm |
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BB35 may not be that far off...
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GEM127
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Posted: Mon Mar 24th, 2008 05:26 pm |
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WOW !!!!
How long do you think it will take before we all die? I have told everyone I know what you have said and they agree with you 100%. So we all pulled our money out of the banks and our IRA's and retirement plans and stuffed the mattress' with the money. We bought all the food we could possible buy, most of it is canned and long lasting non perishables. I currently have one room filled with food and one room filled with toilet tissue. Toilet tissue is always a big plus and so we don't run out. I suggested that we wash it and use it a second time. I thought about ending it all but when I decided to jump off a building. I could only find one 20 feet high, and that would only hurt. Be back later, rationing power so we will have some later today.
I sure hope I survive this disaster and I look forward to hopefully seeing everyone real soon.
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CottonwoodZonie
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Posted: Mon Mar 24th, 2008 05:14 pm |
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| The sky is falling! The sky is falling! Everybody run and hide.
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BB35
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Posted: Mon Mar 24th, 2008 02:44 pm |
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It is bad kids and getting worse. Maricopa county has 8488 foreclosures. Surprise is on its way to being a ghost town and bankrupt.
"Hoovervilles" (1930's depression migrant camps) are springing up all over the country. The biggest one is in east Los Angeles. Canada is being flooded with U.S. homeless emigrants.
The 2nd Great Depression started last Monday (3/17). The market crashed but its was covered up by flooding the market with taxpayers dollars. But, the cover up will not last. The U.S. dollar is worth about what a sheet of toilet paper is worth...
The Sun Cities better get use to having kids around, as many families are losing their homes and having to move in with Grandma and Grandpa.. I say let 'em come...
Fuel is going out of sight. The independent truckers are talking strike and having to go out of business due to fuel costs. This means food will become scarce as the market shelves start to empty..
There is talk about a banking "Holiday" like Roosevelt did to prevent bank runs...
Check this out..
http://www.foreclosurelistings.com/Foreclosure-State/State-Foreclosure.htm
My God have mercy on Us.
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BB35
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Posted: Mon Mar 24th, 2008 02:43 pm |
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It is bad kids and getting worse. Maricopa county has 8488 foreclosures. Surprise is on its way to being a ghost town and bankrupt.
"Hoovervilles" (1930's depression migrant camps) are springing up all over the country. The biggest one is in east Los Angeles. Canada is being flooded with U.S. homeless emigrants.
The 2nd Great Depression started last Monday (3/17). The market crashed but its was covered up by flooding the market with taxpayers dollars. But, the cover up will not last. The U.S. dollar is worth about what a sheet of toilet paper is worth...
The Sun Cities better get use to having kids around, as many families are losing their homes and having to move in with Grandma and Grandpa.. I say let 'em come...
Fuel is going out of sight. The independent truckers are talking strike and having to go out of business due to fuel costs. This means food will become scarce as the market shelves start to empty..
There is talk about a banking "Holiday" like Roosevelt did to prevent bank runs...
Check this out..
http://www.foreclosurelistings.com/Foreclosure-State/State-Foreclosure.htm
My God have mercy on Us.
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BB35
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Posted: Mon Mar 24th, 2008 02:42 pm |
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The website is going nuts this morning.. Sorry about the duplicate posts...
Last edited on Mon Mar 24th, 2008 02:57 pm by BB35
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Norin
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Posted: Mon Mar 24th, 2008 01:26 pm |
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Krissy,
Sorry to hear that but as you well know, if you can't stay where you are at now there is probably a house you can rent just a few doors down. The rental market is saturated right now.
It's just a pain to move, I do realize that!
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Krissyskorner
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Posted: Fri Mar 21st, 2008 06:53 am |
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How about all those people who are renting and still paying rent and then a few months down the road you have the bank and cops knocking at your door telling you to get out, but yet your still paying rent!! So many landlord are taking your cash but not making the payment...
For those of you that know the Halloween and Christmas house here at 17433 W Statler St...We only rent and out landlord dropped the bomb on us that she is foreclosing and we want to buy but we don't know if we are going to be able too.
The bank doesn't look at that..they rather sit on the house then try and get there money back..so we might be relocating the decorations this year!!!
Everyone is hurting!! I believe it's only going to get worse!!!
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2JPs
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Posted: Thu Mar 20th, 2008 11:08 pm |
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Even though I'm in Sun City, I thought I'd give an example of the greedy lending practices. Our neighbor, a white haired senior citizen on social security was given a refinance of her home about 18 months ago. The home value can't be more than $145,000 and this out of state mortgage company gave her a loan amount of $165,000!
I'm sure the stress factored into her death. Because of the huge mortgage, this house is going back to the bank. There is no way the family could make the payments or make any sort of profit on its sale. This loan should never have been made but for the fees and commissions to the company.
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deuce
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Posted: Thu Mar 20th, 2008 10:28 pm |
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sometimes rational wrote: Surprise_teacher wrote: Norin, I live in what was the most affordable little neighborhood within our housing development, and there are loads of for sale/rent signs all over the place here. Some of the houses have been on the market for over 6 months.
I spoke with a landload yesterday whose tenents walked out of a $2400 per month lease....he told me things were so bad in Surprise, he'd have cut the rent by $1000 if they had called him....any rent is better then none, he said.
I want to make sure I understand this. Are you saying the lessee broke the lease and had no communication with the lessor who would have reduced rent to $1400 had he known the lessee couldn't afford the rent.
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sometimes rational
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Posted: Thu Mar 20th, 2008 09:06 pm |
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Surprise_teacher wrote: Norin, I live in what was the most affordable little neighborhood within our housing development, and there are loads of for sale/rent signs all over the place here. Some of the houses have been on the market for over 6 months.
I spoke with a landload yesterday whose tenents walked out of a $2400 per month lease....he told me things were so bad in Surprise, he'd have cut the rent by $1000 if they had called him....any rent is better then none, he said.
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Surprise_teacher
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Posted: Thu Mar 20th, 2008 04:09 am |
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Norin, I live in what was the most affordable little neighborhood within our housing development, and there are loads of for sale/rent signs all over the place here. Some of the houses have been on the market for over 6 months.
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GEM127
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Posted: Thu Mar 20th, 2008 02:22 am |
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I personally don't have much sympathy for any of them. Most of them lied on there applications for their mortgages. Which they knew at the time what they were doing. And now things are going the other way and they are crying for help. Foreclose on all of them, maybe the next company who owns the property will sell it to someone who can honestly afford to pay the bills.
As far as Flippers that is like playing the stock market. Too bad their shares went down the tubes, Oh Well.
Arizona should be high on the list because of all the new houses which were built in the last 5 years by builders who only saw $$$$ instead of controlling growth. They blow it all out of proportion by dumping as many houses on the market that they possible could. And now everyone wants us the tax payers to help them on their poor financial skills. TOO BAD!!!!!
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bouche
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Posted: Thu Mar 20th, 2008 12:20 am |
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The Surprise City Council may be irked, but there's not a lot than can do about it. William's committee will probably be an exercise in futility. There are a lot of existing resources to counsel mortgagees and it's in bank's interest to do workouts. While Senator Barney Frank (D-MA) lays it all at the feet of predatory lending, borrowers also bear some culpability. We shouldn't have any sympathy for "flippers".
Last edited on Thu Mar 20th, 2008 08:23 pm by bouche
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odds_are
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Posted: Wed Mar 5th, 2008 03:35 pm |
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blackjack wrote: Norin, you may or may not have seen this yet but I found it interesting. Note that phoenix is not listed amount the top 10 foreclosure areas with regard to year over year increases in foreclosures.
http://articles.moneycentral.msn.com/Banking/HomeFinancing/ForeclosureCrisisIsOverblown.aspx
Great website blackjack. Interesting that while the phoenix area may not be in the top 10 locations...the state of AZ is #8 in the list of states with 69970 filling for foreclosure in 2007.
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blackjack
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Posted: Wed Mar 5th, 2008 03:20 pm |
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Norin, you may or may not have seen this yet but I found it interesting. Note that phoenix is not listed amoung the top 10 foreclosure areas with regard to year over year increases in foreclosures.
http://articles.moneycentral.msn.com/Banking/HomeFinancing/ForeclosureCrisisIsOverblown.aspx
Last edited on Wed Mar 5th, 2008 04:50 pm by blackjack
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Norin
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Posted: Wed Mar 5th, 2008 12:39 am |
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I was watching 3TV news tonight and they were talking about an area in Surprise (I think they said 147th and Country Gables) Which housing development is this? They were saying how badly this area was being hit by foreclosures.
I haven't really seen too much of it in our area (Kingswood Parke) perhaps because we were a bit more established. I know there have been a couple that I know of but nothing like this area they were talking about.
What is going on with some of the other housing areas in Surprise and which ones are being hit the hardest with foreclosures?
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