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As we start 2012 and 2011 comes to an end, we will all stand in jaw dropping awe that we survived....we made it.....and the promise of a new year, raises the heads of many to the bright future that lays before us, or so that is how the story is suppose to go.

Let's be honest, 2011 was brutal. No, I am not going to go into my top 10 2011 screw ups and goof ups but, let's just simply agree that the majority of Americans want to forget that 2011 really ever happened. Now, that is something I want to talk about.

I want to remind each of you, going forward into 2012 that it's the depths of darkness that makes the light so bright. Earlier this summer, my beautiful niece Carolina came to spend 3 months with me. One of the trips I took her on was to Mammoth Cave Kentucky. Now, for those uninitiated, Mammoth Cave is a huge cave complex that you can go on guided tours through...it's really spectacular, I recommend you should do it. Well, anyways, one of the things they do on the tours is show you complete and total darkness. Now, if you are scared of the dark, this is something you better take an anxiety pill for because, when you are 70+ ft. underground........sunlight....light....non-existent. Well, I say non-existent but, someone inevitably has a watch that glows in the dark or a kid is jumping around with those shoes that have built in strobe lights or something silly like that so, some light is down there however, the amazing part is, up here, in the light of the sun, I don't really notice someone's glow in the dark watch or flashy seizure inducing shoes but, down there.....not only do you notice it, it's like your eyes gravitate to it. Down there, in the depths of darkness where sunlight doesn't dare tred, any light, no matter how faint, burns with the intensity of a thousand suns! Ok...so, I exaggerated a little.....maybe 999 suns but, hopefully you get the point. In other words, no matter how dark, no matter how dank, no matter how much despair is in your life, even the smallest measure of hope is bright enough to lead the masses from the dark. What a beautiful, amazing thought. The darker it is, the least amount of hope you need. It's the darkness that makes hope so bright, even if you don't have enough to see for yourself here in the full light of the sun.

From everyone I have spoken to, from everyone I know and from my own research, 2012 doesn't hold a lot of promise to be much better than 2011 however, we don't need "much" promise, we just need a little because no matter how dark it gets, no matter how much hope we have lost to the darkness, it just takes the tiniest bit and our eyes will do what comes so naturally to them and they will focus, they will hone our senses and we will come out on the other end, smarter, wiser and brighter than ever before.

In 2012, may your faith fill you, may your family hold you, may your friends uplift you, God Bless each of you and look forward to 2012, with just a little hope.

HELLO I RECEIVE THIS INFORMATION I HOPE IT CAN HELP BROKERS ON THOSE REGIONS.

July 20, 2010- Arlington, VA – Matt Martin Real Estate Management (MMREM) has been awarded three contracts by the U.S Department of Housing and Urban Development (HUD) under the Marketing and Management III procurement. The Federal Housing Administration (FHA), which is a part of HUD, provides federal mortgage insurance ensuring that mortgage lenders will be reimbursed in the event homebuyers default on their mortgage. When a lender is forced to foreclose on an FHA-insured single family home, townhome, or condominium because the owner can no longer make payments, it can file a claim with FHA for the balance due on the mortgage and convey title of the property to HUD. A HUD Home, therefore, is a one-to-four unit residence acquired as a result of a foreclosure on an FHA-insured mortgage. As the largest seller of real estate in the country, HUD has been outsourcing the disposition of its foreclosed FHA inventory under the M&M contracting process since 1999. After conducting extensive research into market-based best practices, HUD has developed its new M&M III disposition structure to streamline its operations, capitalize on the expertise of potential vendors and provide flexibility in a changing environment.

Be bold enough to ask?

I know for many of you reading this blog, you may suspect me to be some crazed wacko blogging away in his underpants in his mothers basement but, that image is far from the truth. When reading what I have to write, just keep an open mind and simply ask, “What If?”

A History Lesson-

Franklin Roosevelt Democratic Nominee for President 1932

“Throughout the nation men and women, forgotten in the political philosophy of the Government, look to us here for guidance and for more equitable opportunity to share in the distribution of national wealth…. I pledge myself to a new deal for the American people. This is more than a political campaign. It is a call to arms.”

The New Deal wasn’t a “deal” at all. More so, it was the foundation of a Progressive agenda to move the nation further and further away from our constitution of individual liberties to a centralized large Government who knows best.

In a “Government Knows Best” effort, the New Deal encouraged private home building and sought to grow the number of people who owned homes. In this effort, the creation of the Home Owner’s Loan Corporation (HOLC) and the Federal Housing Administration (FHA).

Among the many mandates of the HOLC, the one I am going to focus on is the mandate to “Facilitate nationwide lending”. So, what exactly did “Facilitating Nationwide Lending” mean, what influence did it have on America?

It’s very important to understand that HOLC did not lend money. The HOLC bought and refinanced mortgages in default directly from the lenders by issuing bonds that paid out 3 or 4 percent. The HOLC had made 1,021,587 loans, essentially making it the owner of approximately 1/6^th of the urban home mortgage debt in the United States.

Doesn’t sound too bad…right? Well, here is where the problem comes into play. It is only successful when the people you refinance can afford the home at the new payment. In a jobless recovery like the one many say we are in now, if you refinance a struggling homeowner’s mortgage but, they have no income to pay for it, you end up back at square one, a foreclosure.

Sounds simple enough….right? Not really because with the HOPE and HAMP programs our government is essentially securing or backing the loan and if the homeowner defaults off the program, guess who is stuck with the bill………………………………….(keep guessing)………………………………….(DING,DING,DING)……….TIME IS UP.

It’s the American Taxpayer!

So, here is the question that I am bold enough to ask.

Why would anyone lawmaker get behind any “bail out” program for the homeowner if in the end, the homeowner still can’t afford the home, it still goes to foreclosure and the tax payer ultimately ends up paying the tab?

By the way, just to be clear, 73%-75% of HAMP / HOPE participants default off the program and end up in foreclosure in the first 3-5 months of participating.