WBC Agents Anna Grisham, Joe Dahl, Shani Brummer, Tina Terada, KiamaLise Herres and Allyson Green held a Winter Ready coat drive last weekend. Those who dropped off donations picked up an ice cream treat at drop off. The drive was a success! Donations will benefit Jubilee Reach and local families in need. So great to see these WBC agents taking time out of their busy weekend schedules to help out families in our community!
Our Fall Food Truck Event hosted by Jim Murphy of Caliber was a success! Thanks for those who came out and donated to Bellevue LifeSpring. We raised $1,100 for Bellevue kids and their families. Good work for a Tuesday and so nice to see so many masked faces!
Love this! After a decade of planning and several revisions to their trip due to Covid restrictions, #wbcagent Clinton Fink and his family are off on a 240 day world adventure. They’re being safe and taking precautions while traveling as expected. Sarah is documenting the trip in a blog and kids Austin and Kate are online schooling on the trip. The Fink4 World School is a huge educational opportunity in itself and it’s fun to see what they’re up to. To catch up with the Fink4 head here.
For some homeowners who have been financially impacted by the COVID-19 pandemic, there is a high level of concern about paying their mortgage. Fortunately, there are options to aid struggling homeowners from governments, financial institutions, and loan providers. The following information is intended to provide clarity on which financial relief options are available to you during this time.
What are my mortgage relief options?
Newly placed into law, the Coronavirus Aid, Relief and Economic Security (CARES) Act, provides two protections for homeowners with federally backed mortgages:
Your lender or loan servicer may not foreclose on you for 60 days following March 18, 2020. The CARES Act prohibits lenders and/or servicers from beginning a non-judicial foreclosure, or finalizing a foreclosure sale, against you within this time period. While 60 days has passed since this was put into place, it is still important to be aware of in the event that any of these actions were taken against you.
You have a right to request a forbearance for up to 180 days if you experience financial hardship due to the COVID-19 pandemic. You can also apply for a 180-day extension beyond the forbearance period. This does not require submitting additional documentation beyond your claim, nor will you incur additional fees, penalties or interest beyond what has already been scheduled.
With forbearance, mortgage servicers and lenders allow you to pause or reduce your mortgage payments for a period of time while you get back on your feet financially.
Different types of loans beget different forbearance options, understanding the differences and which options apply to your loan is key to navigating the forbearance landscape.
Once your income is back to a normal level, contact your loan servicer and resume your payments.
Forbearance is not…
Forbearance is not a means to forgive or erase your payments. Any missed or reduced payments still require payment in the future.
Which relief options do I qualify for?
The first step in discovering your mortgage assistance qualifications is to contact your mortgage provider. If you are unsure of how to get in touch with them, look at your mortgage statement for contact information or see what contact options are available online.
After you have successfully made contact, find out if your mortgage is federally backed. To be eligible for assistance under the CARES act, your mortgage must either be backed federally, or by one of the entities in the list below. These links show the agencies’ current advise and related loan information:
U.S. Department of Housing and Urban Development (HUD)
U.S. Department of Agriculture (USDA)
Federal Housing Administration (FHA)
U.S. Department of Veteran Affairs (VA)
Fannie Mae – Loan Lookup
Freddie Mac – Loan Lookup
For non-federally backed loans, contact your lender or servicer to learn more about their forbearance repayment options.
Today’s financial landscape can be stressful for homeowners, especially those that are struggling to keep up financially. Fortunately, these entities, institutions, and servicers have provided options to help lessen the burden. Knowing which options apply to you and your household will help you navigate through hardship as your finances recover.
Originally published on the Windermere Blog by Sandy Dodge
Many small businesses have been impacted by COVID-19 due to mandated closures and customers staying at home. We can help them by doing things like:
- Order take-out from restaurants that offer it, and pick up directly if possible rather than 3 rd-party delivery to avoid fees charged back to the restaurant.
- Buy gift cards from service providers like hair salons (gift them or use them later).
- Buy locally whenever possible, and look for online stores from local providers.
- If you can afford to continue paying service providers who can’t work but depend on your income, do.
- Check into online services and classes offered by local fitness studios, tutors, financial planners and more.
- Tip delivery people generously if you can. They’re on the front lines of exposure. (And of course if you feel sick, avoid direct contact with them.)
On the latest episode of the Windermere Home podcast, our host Brian Bushlach speaks with Mark Klebeck, Co-Founder of Top Pot Doughnuts. At Top Pot, they go all in by only crafting recipes using the best ingredients and precise techniques to create the highest quality doughnut. However, the attention to detail does not stop there because every Top Pot location is uniquely designed and decorated to create a one of a kind experience. A Top Pot location is the perfect spot to engage with clients and discuss their home buying or selling needs! Listen HERE.
Windermere Real Estate has officially launched a new branding campaign on the heels of the company’s brand refresh that was completed in 2018. The “All in, for you” campaign is the next step in bringing the refreshed Windermere brand to life by amplifying the company’s unique “why”.
Told, in part, through stories generated by actual Windermere agents, the “All in, for you” campaign sets out to illustrate Windermere’s unique culture, and what has drawn both agents and clients to it for nearly 50 years.
“We’re lucky to have a brand with such a rich legacy, but we have to continue to innovate and press forward,” said Windermere president, OB Jacobi. “The brand refresh that we did last year was part one of Windermere’s brand story; part two is about bringing our stories to life and showing our clients how we’re ‘all in’, for them.”
Development of the “All in, for you” campaign was led by Windermere Vice President of Marketing, Julie Dey, and Portland, OR-based global design firm, Ziba Design, whose clients include companies, such as FedEx, P&G, Adidas, REI, and Intel. Ziba started the year-long process by conducting interviews and holding focus groups with Windermere agents, franchise owners, and staff. They also interviewed past buyers and sellers to better understand the experience of working with a Windermere agent.
“We needed to speak directly with consumers to understand what people want, where real estate is headed, and the differentiated value that Windermere agents provide,” said Rob Wees, Creative Director at Ziba, adding, “Real estate is an infrequent, emotional, and complicated process. And every experience is so different.”
“In an era of technology and convenience, we wanted to show the public the real value of working with a Windermere agent—one that shows how compassion, expertise, advocacy and an over-commitment to service can help people through an incredibly important moment in their lives,” said Wees.
Components of the “All in, for you” campaign include TV, print, digital marketing, out-of-home advertising, and partnerships with key media companies to create unique content opportunities. To kick-off the campaign, TV ads will begin running March 21 in the Seattle market.
“While some real estate companies are telling what is essentially a technology story about ones and zeroes, our story is more about connecting humans with their dreams. And it’s a story we can’t wait to tell,” said Dey.
2018 concluded with another great year of fundraising and giving for the Windermere Foundation, thanks to the continued support of Windermere franchise owners, agents, staff, and the community. Nearly $2.5 million was raised in 2018, bringing our grand total to over $38 million raised since the Foundation’s inception in 1989! During the past year, nearly $1.9 million was donated to non-profit organizations throughout the Western U.S. that provide much-needed services to low-income and homeless families. In 2018, the Windermere Foundation fulfilled 689 grant requests and served 507 non-profit organizations.
A portion of the money raised every year is due in part to our agents who each make a donation to the Windermere Foundation from every commission they earn. Additional donations from Windermere agents, the community, and fundraisers made up 68% of the money collected in 2018. Each Windermere office has their own Foundation funds, which enable them to support local non-profits in their communities.
One organization that received Windermere Foundation donations from several Windermere Real Estate offices in the Seattle area is Treehouse. Treehouse’s mission is to give foster kids a childhood and a future. Their goal that they have set to achieve by 2022, is to see youth in foster care graduate from high school at the same rate as their peers across Washington State. And to provide them with support and a plan to launch successfully into adulthood. Donations from the Windermere Foundation have helped Treehouse clients like Ashley, get the support she needed to turn her life around.
“I didn’t have a childhood that all kids should have–like making friends my age or playing sports. I changed the path that I was on because I wanted to give people a reason to believe in me. You have to want to change and speak your truth, but you can’t do it without people believing in you. You can get through the darkest situations, you just gotta look for a little crack of light. Treehouse is that crack of light for me,” ~Ashley
2018 also marked the third year of our #tacklehomelessness campaign with the Seattle Seahawks, in which Windermere committed to donating $100 for every Seahawks home game defensive tackle to YouthCare, a non-profit organization that provides critical services to homeless youth. While the Seahawks didn’t make it past the first round of the playoffs, they did help us raise $31,900. When added to previous seasons, the total donation for the past three years is $98,700! We are grateful for the opportunity to provide additional support to homeless youth thanks to the Seahawks, YouthCare, and the #tacklehomelessnesscampaign
Thanks to our agents, offices, and everyone who supports the Windermere Foundation, we have been able to make a difference in the lives of many families in our local communities over the past 30 years. If you’d like to help support programs in your community, please click the Donate button.
Posted on the Windermere Blog by Marilou Ubungen
To learn more about the Windermere Foundation, visit http://www.windermere.com/foundation.