How are people getting away with it?

Once again, Scott has written a wonderful piece that is as applicable in the Northwest Market as in his New Hampshire market.  I've been fortunate to help people with distressed properties for a long time, before most people had even heard of short sales.  Doing the job right can protect the owner and give them a fresh start.  Doing it wrong can compound their financial and personal damage. 

If you are behind on payments, struggling with your capacity to keep everything together, let's talk.  Too many people hurt themselves because they don’t understand that there are options.  If completing a short sale is best for you, I can help. If not, you will have explored your options and made an informed choice. 


More and more I am hearing from people who are wondering how someone can live in a home for 1 or 2 years and longer without paying. How their neighbor stripped their home and got away with it. How homes can be left vacant and not kept up. Residents of the Manchester NH area may have finally had enough. Neighbors are realizing that these homes have brought down their values and that an abandoned home can bring down a whole neighborhood.

For disclosure purposes there are some very good people who faced some challenging times with a job loss, maybe an illness, divorce or cut in pay. But they kept mowing their grass, they threw out their trash instead of making a mountain out of it. They contacted their banks and tried to make things work. Some banks appreciated the effort and made things work while other banks may have not, either way that persons head is high and they moved on.

The problem comes when home owners simply move out, leaving the home abandoned without notifying the bank. The home sits, the grass grows, the trash accumulates, vandals or thieves hit and the home becomes a train wreck.

There are home owners who on purpose strip the home to the studs piling Sheetrock and fancy trash piles around the front yard. Stand carpeting up along fences or take time to wrap it around trees, I have seen it all.

Neighbors are tired of this and taking it upon themselves to maintain or clean up neighbors yards. Banks have had it and are finally prosecuting such behavior. Banks are also going after people for losses. The whole system has been flawed from the beginning. they way they lend, the way they handled short sales and the way they are now trying tio sell REO homes by "occupied auctions". The people trying to get back at banks instead hurt their neighbors, neighborhoods and whole towns.

If you are behind in your mortgage, if you owe more than your house is worth, there may be help. Here in NH contact me, I can outline what the options are and point you in the right direction. There may seem like no hope now, but don't let the next 10 years of your life be affected by a poor decision to vacate your home leaving it abandoned. Don't fall for fancy ads or empty promises which make things worse.

I leave you with now infamous philosophy, which is simple, provide more personal and professional service to guide my clients through each step of the buying or selling process. All Agents are not created equal and every buyer or seller should take the time to hire the BEST not just the biggest.


1. CHOOSE THE RIGHT LISTING AGENT: As a home owner in this market you need every advantage you can to get your home sold. It starts with choosing the right agent.

a. Ask for a Full time agent whose sole job is to sell homes.

b. Ask for a Full service agent who will guide you through each step of the selling process. Discount brokers often equal discount services.

c. Ask for a Local agent who knows your neighborhood and is readily available when you need them is a must. Out of town agents can leave you high and dry in your time of need.

d. Ask for a well experienced Listing Agent can give you the advantages you need when selling your home. Not all agents are created equal. Choose only the best.

2. Ask to PRICE THE HOME CORRECTLY: One of the most important things that can help you sell your home is pricing it right. . List prices need to be priced at or near market value. The simple truth is over priced listings are one of the only segments of the market that are not selling. A great agent will study the recent sales, study what is on the market and use trends and comparable homes to place a value on your property.

3. Ask for an agent with a great marketing program - GETTING A BUYER TO SEE YOUR LISTING: Before anyone can view your home, they have to know it is for sale. Using an agent with an extensive marketing and advertising program is the best start to get your home the exposure it needs and deserves. Some agents whose sole marketing plan is placing a sign in your yard and placing the home in MLS is not a sound marketing plan.

4. Ask for help to GET YOUR HOME READY FOR A BUYER TO SEE IT: A listing agent can guide a buyer to your front door, but the can not make them go inside. You need to prepare your house for sale.

a. THE EXTERIOR: Your lawn should be mowed, bushes trimmed, debris, toys or belongings picked up and removed from the yard. In the winter shovel your walk and driveway, sand and or salt and knock those icicles off your roof. Make sure your screen/storm door is in working order, it is the first thing they will touch and a storm door with a missing handle or off it's hinges will drive buyers away.

b. THE INTERIOR: Remove anything from your house you are not using, often called "decluttering". Clear off the counters, bureaus and floors. Make sure walls are free of marks or holes. Freshly painted walls in a neutral color are always a plus. Make sure all faucets and toilets run properly, no drips, no leaks and the toilets should not always run. Clean your carpets, remove pet items and during showings your pets should be taken out of the House

IN CONCLUSION: There is a lot of behind the scenes work going on to get a house on the market, marketed, get an offer, go through the buyers mortgage process, appraisal, inspections and get to the closing of the home. If you did not notice most of these steps, I did a great job.With the decrease in Listings, there is pressure on Listing Agents to provide more service. For agents who have been providing a great service to their clients throughout the last 4-5 years they are being rewarded as home sellers and buyers talk, they let each other know who did the great job or who dropped the ball. As you see it is no accident a home sells. It is through the hard work of the agent.

If you are looking to SELL a property in NH, you can choose ME. I strive to offer the best in personal and professional service through EACH step of the SELLING process..

It does not take magic to turn your "For Sale" sign into a "Sold" sign. it takes a full time Local Agent who specializes in Listing homes like yours.

If you are thinking of buying a Home please contact us. Get a free pre-qualification along with some of the BEST CUSTOMER SERVICE through each step of the Buying Prices.

Please call for a FREE MARKET ANALYSIS to know what the value of your home is.



If you need to sell your home and you owe more than your house is worth, i may be able to help. I specialize in working with home owners to get your home sold. There are many options such as a short sale which may be able to help you.

Please try and avoid out of state or out of town agents and companies that make "out of this world promises". We are local agents with experience who never charge any up front fees.


We are local agents with experience who GET RESULTS!!!

We stand by you through every step in selling your home..

About the Author: Scott Godzyk is the Owner/Broker of the Godzyk Real Estate Services in Manchester NH. With 27 years of experience, Scott is a leading Agent for Listing and Selling Homes in this area. To CONTACT Scott Godzyk please call 603.661.2121 or EMAIL: . We are Full Time Agents ready to serve all of your Real Estate needs through each step of the buying and Selling process. We are proud to be locally owned and operated.

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Dan Tabit       206-310-8629    425-868-SOLD(7653)

One stop Real Estate & Mortgage Services Serving Sammamish, Issaquah, Redmond, Bellevue, Mercer Island and the greater Seattle area.  

Comment balloon 0 commentsDan Tabit • July 09 2013 08:53PM
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