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As the temperature soars the thoughts of fall and winter abound in my head. I have a cross bow and finally my Dad and I will get to hunt together again. Funny the older I get the more I want to be around him. The more I want to try to learn and try and not let the old ways be forgotten. My father has been taking me hunting since I was a small boy. I mean small. I think I was six or seven the first time I sat on the back of his truck with my old crack barrel .410. It was a single shot, but I was deadly with that. Well at least for the rabbits I hunted. I use to look so forward to our hunts. The great adventures. The endless supply of stories and the unyielding thirst for the sport. I can still remember the excitement I felt, camping in an unspoiled wilderness, Following newly pushed logging roads picking up arrow heads left and right, and simply taking a break from the constant buzz of society. Just loving the quiet. I can remember in freezing cold temperatures my father firing up the old Coleman stove, frying eggs and bacon in the woods, saying eat some bread to soak up all that grease. The slight fear of setting off behind my father’s flash light and being sat on my deer stand in the pitch black of night and watching my father’s light slowly slip away and only catching glimpses of it as it danced through the brush, like lightning bugs on a warm summer’s night. The darkness swallowing me up and the fear of that moment, only to be amazed at God’s beauty when, with the dawn, the world slowly awakened with the sky in different hues of gray, orange, and blue. The excitement of the twig snapping, The grace of the deer’s approach, and Usually the speed in which the deer ran away with gravity taking a second seat to their power. Then the peace of the early morning setting in. The joy I saw in my father’s eyes. He was at peace. I was at peace. For me the time spent never got old. I can remember playing my heart out on the football field, with all my hunting stuff packed in my Dad’s four wheel drive truck, then leaving just after to be in the woods some two hours away for dawn. Now I have children of my own. I understand the value in family. The hope in your children. Hopefully I can spend those hours with my girls that they need. Hopefully I can be as good of a Dad as my Dad was with me.
Check out our New Website. It is full of useful resources for both buyers and sellers in today’s competitive market. Check out our Community Pages which will not only tell you a little about the place, but we even have the weather. Remember if you want to buy or sell start at our website: http://www.tangihomes.net
I have included in today’s blog a link that will bring you to a trends report for the Ponchatoula/Hammond Area. I tried to make a picture out of it so you would not have to click, but the image just kept coming up very blurred. So either it’s blurred or you click, sorry I choose click. Seems Hammond and Ponchatoula Markets have rebounded dramatically. The Markets are actually thriving at this point. Sales are getting a little more difficult to bring to fruition, but that is not the fault of the buyer or seller, just the Industry in general is getting a little more difficult. So if you are in the Market to Sell – Now is the time!!!! If you are in the market to buy call me so I can get you to properties quickly to eliminate competition. We look forward to helping you all. As we always say. The Martin Team is Where Knowledge and Experience Meet Hardwork!!
So ask yourself?? What does this trends repot show you.
Finally something that makes since from the Federal Government. Ok partially makes sense anyway. They have decided to postpone the implementation of the new Dodd/Frank legislation from August 1, 2015 to October 1, 2015. This should give the Industry a little more time to prepare, but also should get the Industry out of the busy season before shoving this insane legislation down the throats of hard working mortgage, real estate agents, title companies, buyers and sellers necks. How insane has this Country become saying they are helping the buyer out, by making them wait longer, costing them more money, and generally making it harder to close their home loan because of fear of the fines this new Branch of the Government, that answers to no one, inflicts. Let me say I understand how my for fathers were feeling toward the English. CFPB through TRID is going to make the real estate Industry a maze of paperwork and deception.
I found a Great Article about it all. Take a Look.
The Consumer Financial Protection Bureau announced on Wednesday a proposal to delay the effective date of the TILA-RESPA Integrated Disclosure rule until Oct. 1.
“We made this decision to correct an administrative error that we just discovered in meeting the requirements under federal law, which would have delayed the effective date of the rule by two weeks,” said CFPB Director Richard Cordray.
“We further believe that the additional time included in the proposed effective date would better accommodate the interests of the many consumers and providers whose families will be busy with the transition to the new school year at that time,” added Cordray.
The required loan documentation consists of two new forms: the Loan Estimate and the Closing Disclosure to ensure compliance.
It was originally set to go into effect on Aug. 1.
These new forms consolidate the TILA-RESPA forms and are meant to give consumers more time to review the total costs of their mortgage. The Loan Estimate is due to consumers three days after they apply for a loan, and the Closing Disclosure is due to them three days before closing. These two requirements have thrown the mortgage industry into a frenzy as they try to comply by the deadline.
The public will have an opportunity to comment on this proposal and a final decision is expected shortly thereafter.
This announcement comes shortly after huge news earlier this month, when the CFPB announced that it would allow a good-faith enforcement grace period that both the mortgage industry and a bipartisan coalition in Congress had asked for.
The enforcement grace period will be open-ended, David Stevens, chairman and CEO of the Mortgage Bankers Association, said, because Cordray wants to be flexible. At the very least, it should run through the end of 2015, Stevens said.
“We don’t know how disruptive or (not) this implementation will be. If more time is needed, he keeps that flexibility,” Stevens said. “It seems at minimum through the end of the year – and we will all be assessing this roll out.”
Then, on June 10, a large group of industry trade organizations joined Congress in pushing the CFPB to formalize that grace period for the enforcement of the TRID requirements.
Some in Congress, including U.S. Rep. Blaine Luetkemeyer, R-Mo., Chairman of the Housing and Insurance Subcommittee, and U.S. Rep. Randy Neugebauer, R-Texas, Chairman of the Financial Institutions and Consumer Credit Subcommittee, responded to the CFPB’s announcement letter regarding the TRID grace period, saying it was a good first step, but not nearly enough.
This group was then joined by a consortium of industry trade groups that threw its support behind a Congressional effort to formally define the grace period.
In a letter sent to Rep. Jeb Hensarling, R-Texas, chairman of the House Financial Services Committee, and Rep. Maxine Waters, D-Calif., the ranking member on the House Financial Services Committee, the groups urge the Financial Services Committee to pass H.R. 2213, which would provide a “reasonable hold-harmless period for enforcement” on TRID.
Brena Swanson Author
Do you ever get tired of the constant sky is falling, the sky is falling mentality of the press. They alone seem to be able to percolate a seemingly extreme fear in the hearts of all of us. I don’t say bury your head in the sand, but sometimes just unplug from Glen Beck. Unplug from O’Reilly and realize that you have it as good as anyone else living in this world. We all have 365 days a years, 12 months a year, 52 weeks a year, 24 hours in a day, and 60 minutes in an hour, and sixty seconds in each minute. Don’t think it is important to value them all? Ask the guy on death row, ask the guy who shoots the last second shot to win the game, ask the new cancer patient whom was just told they have six months to live. This life is won and lost by inches, yes it seems the small guy has a few more things stacked against him now than in the past, but here, in this Country, better than anywhere else you can achieve if you work hard.
I say all of this to ask what is the greatest thing as a child you can remember. For me it was the safety and security I felt with my family. Gathering at our house during rough storm clouds and pounding thunder or the love I felt at my Grandmother’s during Christmas, Thanksgiving and really every day. I can remember walking into my Grandmother’s back door and the smell of something cooking was always there. There seemed to be an endless supply of Pound Cake, her speciality, on the table. Even when she wasn’t home, kids from the neighborhood would come in her back door take a piece of cake and leave. She loved us so much. The smell of her Kitchen, the comfortableness of her living room. The stories she could tell. The Huge picture window that I use to sit at, that faced East, looking and waiting for Jesus to return. So you ask why all the emotion why all the stories because it all happened at Maw Maws house. The security that house brought to this young child was beyond the mere wood framing and nails, it was a blanket of warmth that surrounded me. I felt safe. In a world when I grew up with constant fear of nuclear war and the boogie men of the world, I felt truly safe. That’s what a house is. It is not the bones, the nails, the concrete. Yea all of those things are important, but a house is where memories are made, where tragedies are dealt with with love and support, where you can retreat from the hussle and bussle of life. Where you can put a hedge around your property that evil cannot penetrate. So when you think about buying your new home look at it as not an investment, which it will be, but ask yourself is this somewhere my kids can feel safe, where when I have grandchildren can they feel that special feeling of ultimate security and warmth. Some may say it is not the house it is the people and I agree. But what I wouldn’t give to one more time smell Maw Maws cooking in that kitchen, listen to the dishes rattle in her dining room as she walked into the living room, listen to the squeaky door she closed when she went to bed, smell the cooking of her Chicken and Dumplins, or simply sit next to a warm fire that my grandfather always had going. A house is the center of the family and with that it becomes your home. So surround yourself with the love of your family. Invite them over whenever you get a chance. Have those great parties because you never know. Long after you are gone it may just be the memory that keeps your kid going, your grandkid.
If you want to start your own place to build dreams, to build your family give me a call or email, or just follow one of the links below to get started.
Four Bedrooms and Above in Hammond and Ponchatoula:
Jefferson Cort Properties:
Three or More Bedrooms in Hammond, Ponchatoula, Robert, Loranger:
Contact me: http://www.tangiproperties.com
I’ve been on a journey for the last two years or so since I began my own business. I realized how expensive it is to serve the great people of southeast Louisiana and to make sure their property gets out to as many folks as possible. I finally come to realize it’s easier to let a big corporate company do this so I can focus on great customer service. Customer Service as you all know is truly what separates real estate agents one from another. As most if a property is priced right will sell fairly quickly. So with all this being said I am back at the place where I started my career. I’m a little older, hopefully wiser, and look forward to working to make this place the best it can be. I feel I’m back with friends, back to the people whom i love, and back close to my family. Three things that make any transition a lot more satisfying. That being said Im back in business. Please don’t hesitate to call or email.
Latter and Blum Classic Homes and Properties
Licensed in LA and MS
Each office is Independently owned and operated.