RECENT BLOG POSTS
The number of new foreclosure starts for the first five months of 2009 has reached one million according to the Center for Responsible Lending.  They are projecting 2.4 million foreclosure starts by the end of the year, which it says will reduce property values of some 70 million households by $5...
06/02/2009
Coordinating the successful closing of a short sale takes talent when you are working with a home that was 100% financed with a first and 2nd mortgage and the lenders are taking a 47% loss.  Up until now, I had joined the chorus of realtors that steer clients away from short sales due to the high...
05/12/2009
And the Grinch, with his Grinch-feet ice cold in the snow, stood puzzling and puzzling, how could it be so?  It came without ribbons.  It came without tags.  It came without packages, boxes or bags.  And he puzzled and puzzled 'till his puzzler was sore.  Then the Grinch thought of something he h...
12/09/2008
"The indispensable first step to getting the things you want out of life is this: decide what you want."  Ben Stein Happy Thanksgiving! Special Events This Weekend: Musical Celebration of the Christmas Season-presented by the Chanhassen Historical Society Sun., Nov 30 @ 4pm, Historic St. Hubert'...
11/26/2008
Special Events This Weekend: Linda's Cellar  -  Fri 10a-4p; Sat 10a-3p.  Vintage junk, antiques and seasonal décor.  112 E. 2nd Street, Chaska, 612-987-9898 Mustard Moon Occasional Sale  -  Fri & Sat 10a-4p; Vintage wares, home goods and seasonal décor.  300 North Broadway, Carver 952-361-3282. G...
11/21/2008
 "Infinitely more important than sharing one's material wealth is sharing the wealth of ourselves - our time and energy, our passion and commitment, and, above all, our love." - William E Simon Special Events This Weekend: 4th Annual Chaska Turkey Trot 5K Run/Walk and Gobbler Races- Sat. Nov 15  ...
11/14/2008
This is just a heads up that as our lending industry changes, everything is under more scrutiny including Debt Forgiveness.  Lenders are now concerned about misleading and possibly illegal practices in the industry associated with debt forgiveness programs and refinance offers. Be careful if you ...
11/07/2008
"Some may try and tell us that this is the end of an era.   But what they overlook is that in America, every day is a new beginning, and every sunset is merely the latest milestone on a voyage that never ends.  For this is the land that has never become, but is always in the act of becoming.  Eme...
11/06/2008
The other day I had a parent contact me via ActiveRain from my local community.  Their son and daughter-in-law both lost their jobs and the wife was pregnant.  Their kids decided to walkaway from the home that the parents co-signed for on the mortgage.  Can they do a short sale?  Yes, if ALL part...
10/30/2008
Which is the lesser of two evils: foreclosure or short sale when it comes to your credit?  Foreclosure:you lose your home and your credit score drops 200-300 points as it will show mortgage lates resulting in a foreclosure. It will be a few years before you can secure that American dream of home ...
10/30/2008
Rainer
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Joyce Windschitl Hercules

MN, FL, WI & CO Mortgage Consultant
local_phone(952) 252-0350
smartphone(952) 368-9201
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