The leaves here in our sweet little town and the surrounding areas are simply amazing this time of year! This past weekend my wife and I went on a drive around the mountains to see all the wonderful colors here in Western North Carolina where we live. What a great way to spend a Sunday afternoon, getting out and seeing the season change, taking some short walks and getting pictures of the fall leaves in the crisp cool air, such a relaxing and peaceful day. The drive over Wayah Bald was beautiful. We are truly blessed to live, play, and work here and experience these views and the change of seasons year round.  I must say, if anyone is planning a trip this way, please do try and get here this weekend if you can so you do not miss the peak of fall.  The leaves are brilliant reds, yellows, and oranges right now and will soon be on the ground.  Its a beauty we often take for granted and don't take the time to truly marvel at, but I encourage all of you to take a short drive, or a long one, with your loved ones and a picnic, and have yourselves a great afternoon enjoying the beauty that surrounds us here in the mountains of Western North Carolina this time of year.

Breaking News -Starting December 1st, financial help is available for North Carolina homeowners who are struggling to pay their mortgages because they’ve lost their jobs or experienced other temporary hardships.

The N.C. Housing Finance Agency announced today that its new N.C. Foreclosure Prevention Fund is now available statewide through participating HUD-approved counseling agencies. The new program is financed by the U.S. Department of the Treasury’s “Hardest Hit Fund.”

“We expect the N.C. Foreclosure Prevention Fund will enable 21,000 North Carolina unemployed workers to keep their homes,” said A. Robert Kucab, executive director of the N.C. Housing Finance Agency. “By reducing the number of foreclosure sales, the effort will also help stabilize property values in communities across the state.”

Kucab said the Fund will make mortgage payments for qualified unemployed workers while they seek jobs or complete job training in a new field. Others, who through no fault of their own, have gotten behind on their mortgage payments because of divorce, illness or other temporary hardship, may qualify for help while they seek jobs to get back on their feet. The program is expected to be available over the next three to five years.

The assistance will be provided as a zero-interest, deferred loan of up to $24,000 or 24 months of mortgage-related payments. In high unemployment counties designated as "hardest hit", the maximum assistance is $36,000 or 36 months.

See listing of "hardest hit" counties here.

Homeowners will resume making their own mortgage payments at the end of the loan period. If the owner continues to live in the home for 10 years, the loan will be considered satisfied and no repayment will be due.

To be eligible, homeowners must have a good mortgage payment history prior to the job loss or hardship, have potential to resume their mortgage payments once the assistance ends, and meet other program guidelines.

For more information about eligibility, homeowners in Western North Carolina should call OnTrack at 828-255-5166 or 1-800-737-5485 or visit the NC Foreclosure Prevention Fund website.

The Treasury’s “Hardest Hit Fund” is authorized under the Emergency Economic Stabilization Act of 2008. It is available in 18 states and the District of Columbia, which have experienced high unemployment or a steep decline in property values. North Carolina was selected because of the large percentage of the population living in counties with high unemployment rates in 2009.

The North Carolina Housing Finance Agency is a self-supporting public agency. It has financed 196,000 homes and apartments in the last three decades, including 81,000 for first-time homebuyers.

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Above information was taken from: Claudie Burchfield

7/27/2011

Good morning,

I have extremely exciting news to share with you!

J.D. Power and Associates announced today that RE/MAX ranks highest in customer satisfaction, for both buyers and sellers, in its 2011 residential real estate survey.

That's right – we've earned the highest level of appreciation from BOTH groups of consumers, which is a remarkable statement about the Outstanding Agents in our organization.

I want to personally thank and congratulate every one of you for contributing to this prestigious recognition. It truly reflects your professional excellence, your enthusiasm for education, your commitment to distressed sellers, your individual drive, and many other qualities that serve the interests of your clients. Your efforts change lives, and those people have spoken.

Our team at Headquarters is working with J.D. Power and Associates to determine how we can use the results of the survey, as well as their name and logo. As soon as possible, we will let you know what the guidelines are.

In the meantime, celebrate this incredible achievement and enjoy the fact that once again you've proven yourselves to be the best in the business.

Congratulations!

Dave

Sent by Dave Liniger, Chairman and Co-Founder, RE/MAX World Headquarters

Vacation Rental: Jessica Wallace has the most gorgeous place in the world at Fort Walton Beach. a 2/2 condo beachfront with a pool. Outstanding place for a vacation. Killer view. Very comfy.

Vacation Condo in

Fort Walton Beach, Florida

Click Here to see the NEW July 2011

 Randy Dockery Flyer

We have some really great prices on Lake Front Lake Houses at Nantahala Lake, Chatuge Lake, and Apalachia Lake.

Featured Listing for July 2011: 

THE LAKE HOUSE ON LAKE CHATUGE TURNS YOUR DAYDREAM INTO A REALITY. Spacious 3BR/2BA Lakeside can sleep up to eight people comfortably. Remodeled, close to stores in Hiawassee, Young Harris,  and Helen area of the North Georgia Mountains. Comes complete with your own dock. Has a Sunroom and  screened porch, large hot tub, gas log fireplace. All wood interior including hardwood floors. Your dream home on the lake awaits for You. $650,000 Reduced to $499,000 MLS#'s NC  110677, GA 202675 

Address: 1814 Sunnyside Road, Hiawassee, GA 30546

Virtual Tour: http://www.homepix.tv/D140/110677 

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Please contact me toll-free at: 1-877-837-3002 ext 207 and I'll be glad to show you - your dream home in the Beautiful Mountains of Murphy, North Carolina, and the surrounding areas of Western North Carolina and North East Georgia. Send me an e-mail at: randy@randydockery.com and let my 20+ Experience get you the Dream Home that you have been Dreaming about. Turn your DayDream into a Reality.

Thank you,

Randy Dockery

RE/MAX MOUNTAIN PROPERTIES

CONVENIENT STORE ON MAIN STREET IN ANDREWS. Has small area for Deli. Huge walk-in cooler. Racks for Groceries. Great Location. Approx. 1500 sq. ft. Was $129,000 Reduced to $99,000 MLS#'s NC 108418, GA 193484

CUTE LITTLE CABIN IN THE WOODS WITH TOTAL PRIVACY. 2BR/2BA with fireplace, full length covered porch. Full unfinished basement, 2 car detached carport. Located on 8 "Beautiful" Acres with several building locations on Mary King Mountain. $159,900 MLS#'s NC 112787, GA 210863

Virtual Tour: http://www.homepix.tv/D144/112787

On randydockery.com:

http://www.randydockery.com/property/1041-Rockridge-Road-MURPHY-North-Carolina

Ad on murphy-northcarolina.olx.com:

http://murphy-northcarolina.olx.com/1041-rockridge-road-murphy-nc-iid-207291022

Ad on nationalrelocation.com:

http://www.nationalrelocation.com/real-estate/listing/4dd48c1a780b0a30bc0265c9/

Ad on NC MLS mountainlakesboardofrealtors.com:

http://mountainlakesboardofrealtors.com/?mls_number=112787&content=expanded&this_format=0

Ad on remax.com:

http://www.remax.com/homes-for-sale/NC/Murphy/112787-MLS_Number/

Ad on trulia.com:

http://www.trulia.com/property/3033394360-1041-Rockridge-Rd-Murphy-NC-28906

1765 Harshaw Road in Murphy, North Carolina

10.95 ACRES - 500 FEET OF RIVER FRONT PROPERTY on Hiawassee River. The River is approximately 160 feet wide. There are almost 4 Acres of pasture along the River and across the road there are 7 Acres. Minutes from downtown. Priced to sell quickly. $99,000 MLS#’s NC 109529, GA 197794

Cheap Lake Lots on LAKE FONTANA!!!  There are a total of 4 lots, yes FOUR!!! Two of these lots are WATERFRONT LOTS!!!  All are contiguous and you get all 4 of these lots for one low price, $79,900!!!  These won't last long.  The lots together total 0.73 Acres in the Stecoah area on Beautiful Lake Fontana.  GREAT VIEWS!!!  These all have paved access, septic permit, and a dock permit has been permitted.  These are located just off HWY 28 in Fontana Forest Subdivision.  These lots are heavily wooded to increase privacy, minutes to the Nantahala River and minutes to Robbinsville or Bryson City.

Information found at the Cherokee County

Court House in Murphy, North Carolina

If you are facing foreclosure, be assured that you are not alone. North Carolina has several resources to help you obtain foreclosure prevention counseling, mortgage payment assistance, and protection from fraud. You don't need to be behind on your mortgage payments to seek help. If you feel you are at risk, contact one of the state's free resources right away. We are here to help.

Free Counseling

Regardless of why you are in danger of foreclosure, you can access free counseling through the State Home Foreclosure Prevention Project (SHFPP), funded and led by the NC Office of the Commissioner of Banks. HUD-approved housing counseling agencies, state and federal agencies, legal assistance organizations, mortgage servicers and community organizations are working with the Office of the Commissioner of Banks to help you protect your home.

To get help, call 1-866-234-4857 or visit www.ncforeclosurehelp.org You will be referred to a HUD-approved foreclosure counselor and other services in your area.

Mortgage Payment Assistance

If you've lost your job or your income has been reduced, the NC Foreclosure Prevention Fund can pay your mortgage while you seek or retrain for new employment. You also may be eligible if you are facing a temporary financial setback, such as a divorce, serious illness or death of a co-owner, and need help to pay your mortgage while you look for work.

The Fund is offered by the NC Housing Finance Agency, a self-supporting state agency, and funded through the US Department of the Treasury. Services are provided by participating HUD-approved counseling agencies statewide at no cost to you.

If you qualify, the Fund offers zero-interest, deferred loans of up to $24,000 to pay your mortgage for up to 24 months while you seek or retrain for a new jo. In the state's high unemployment counties, the maximum is $36,000 (36 months of assistance). The loan balance is reduced every year you remain in your home after the fifth year, and is fully forgiven after the tenth.

Fraud Prevention

If you have been contacted by a foreclosure prevention or "rescue" company offering help, keep the following tips from the NC Office of the Attorney General in mind.

• Beware of companies that require payment before they "Help" you. Its illegal to charge an upfront fee for foreclosure assistance in North Carolina.
• Steer clear of companies that want you to make your mortgage payment to them, or who tell you not to talk to your mortgage company or to an attorney.
• Watch out for investors who promise to pay off your mortgage if you sign over the deed to your property, but not the mortgage. The investor then rents your home back to you or to a tenant but doesn't make mortgage payments and the bank forecloses.
• Check out companies with the Attorney General's Consumer Protection Division and your local Better Business Bureau, get all promises in writing, fill out your own paperwork and only sign it after reading it thoroughly.

To report a scam or check out a company, call the NC Attorney General's Office at 1-877-5-NO-SCAM or file a complaint at ncdoj.gov

NC Office of the Commissioner of Banks, Joseph A Smith, Jr. Commissioner

NC Housing Finance Agency, Sam Ewell, Jr. Chairman, and A. Robert Kucab, Executive Director

NC Office of the Attorney General, Roy Cooper, Attorney General

To learn more, go to www.NCForeclosurePrevention.gov. or visit www.ncforeclosurehelp .org or call me toll-free at 1-877-837-3002 or send me an E-mail at: randy@randydockery.com 

Randy Dockery