ATTENTION HOMEOWNERS WITH SUB PRIME ADJUSTABLE RATE MORTGAGES!

Do not wait for legislation to be enacted to help you! You must participate! While legislation is under way, it will not be a widespread bailout and be assured, whatever revisions or plans are enacted, the homeowner will still be responsible for seeking the help they need. Do not expect a door knock or a letterhead announcing that your teaser rate is now permanent or that your home's likely depreciation in value or your potential imperfect credit will be overlooked or accepted. If this seems overly obvious, I am sorry, but the research-proven fact remains that many (but not all) homeowners are taking just this aproach!

Believe me, I understand that many homeowners have lenders that either no longer exist or have been dissolved and now serviced by an out of state call center somewhere. Getting a hold of one's lender or servicer to work out terms can be a very daunting and frustrating task. Again, if you are one of these homeowners, getting help starts with you! Be proactive and stay informed! Keep trying!

Check your local area for workshops or seminars by local figureheads and politicians. They DO want to help! For example, in my area, (NH), Senator Sununu is hosting a workshop this weekend in Manchester with the mayor and at the end of the month in Nashua (New Hampshire's two "hubs"). Thanks to the Senator's workshops, initiatives and his advocacy and support of the FHA Modernization Act (S.2338), hundreds of New Hampshire home owners and prospective home buyers and thousands of nationwide home owners and prospective home buyers will be helped. Also, HOPE NOW is a cooperative effort between counselors, investors, and lenders to maximize outreach efforts to homeowners in distress.

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