I want to tell you a story about a little child, we'll call him Teddy. You see Teddy grew up in a town not unlike your own, nice neighborhood, close friends and went to a good school. His parents worked hard to provide him and his syblings a good home, like most of us they wanted more for their family, but were doing the best they could with what they had. The family from time to time went out for dinners, a movie and what Teddy looked forward to most of all were the outings to the local sports arenas. As time went by Teddy's family didn't do the things he once looked forward to. It wasn't very noticeable at first, his parents did as much as they could to make a few changes but it still wasn't enough. Soon Teddy would see and hear the worry displayed from his family, late night voices and crying from downstairs could be heard everytime the phone would ring or another certified letter was delivered. After awhile Teddy didn't see much of his Father, he'd taken a nightshift position to help save for their Disney Land trip coming next year, like the one they'd not gone on the year prior. Mom was busy putting things in boxes to make room for the things they didn't have room for, no matter at least Uncle Fred moved in last week and they play when he's not helping mom put away boxes.
It was on a Tuesday, Teddy was in front of his classroom with tears rolling down his face. He could barely get the words out, his best friend Jason was standing by his side crying as well. "They took our home away, and we have to move to my uncle Freds home to some place I've never heard of." Teddy was saying goodbye to his friends and school, while back at home his parents were getting all they could into the trailer before their given posted deadline....the rain really poured heavy that day.
This is not a true story relayed to me, it is however something I have seen on news reports for the last two years on a weekly basis. I am not in anyway saying that people didn't put themselves into a foreclosure position. However when the banks and the government were handing out these ARM loans, all the Teddy's of the world finally had a place they could call home. I have seen reports where kids had to say goodbye to everything they had and knew, it wasn't their fault that their parents did not make wise choices, then again some families would not have had the opportunity to have purchased a home were it not for these "hot rates" I have no misconception that when the ink was drying on paper that people were being told not to worry, when and if the ARM loan goes up, it will only be a little and even then you can refinance that loan before you get into trouble. Hmm trouble is that day came for a lot of other people at the same time, and TROUBLE don't care who its got as long as its got somebody.
So when you lay your head on the pillow and sigh at what a wonderful picture of whatever is hanging on your walls, please do not forget about "TEDDY." There are so many like him staying in shelters, or with family he never knew he had. There are so many families who may never overcome the mistakes a mortgage brings. If we can help those in need from far off places we've never been, and never heard of when disaster strikes, then why can't we help those who live next door. Why can't we see that help begins here locally and not all those people were stupid. Why is the frame of thought it was only the poor people, or those trying to out do the "Jones's." A lot of these were good hard working folks, now without homes, and soon without jobs. You see its affect is not just subject locally, but nationwide. It should not be a "bail out " system, don't read that into this conversation, however the next time you run to your local haunts check out the number of homes being sold not just by realtors but by banks, I'll bet its getting pretty close to your neighborhood, if not next door. You can tell the economy is being effected by this whole dilema, and its not just gas prices either. Those who were waiting for their dream homes to be built or to become available will, if not already, find it difficult to obtain that home loan. Oh yeah, thats right. If you thought so what if "Teddy" lost his home, it won't affect me, you are wrong. What happens locally will always soon enough reach out wether you know every Tom, Dick or Harry......TROUBLE NEEDS SOMEBODY....why not YOU!!????
It was on a Tuesday, Teddy was in front of his classroom with tears rolling down his face. He could barely get the words out, his best friend Jason was standing by his side crying as well. "They took our home away, and we have to move to my uncle Freds home to some place I've never heard of." Teddy was saying goodbye to his friends and school, while back at home his parents were getting all they could into the trailer before their given posted deadline....the rain really poured heavy that day.
This is not a true story relayed to me, it is however something I have seen on news reports for the last two years on a weekly basis. I am not in anyway saying that people didn't put themselves into a foreclosure position. However when the banks and the government were handing out these ARM loans, all the Teddy's of the world finally had a place they could call home. I have seen reports where kids had to say goodbye to everything they had and knew, it wasn't their fault that their parents did not make wise choices, then again some families would not have had the opportunity to have purchased a home were it not for these "hot rates" I have no misconception that when the ink was drying on paper that people were being told not to worry, when and if the ARM loan goes up, it will only be a little and even then you can refinance that loan before you get into trouble. Hmm trouble is that day came for a lot of other people at the same time, and TROUBLE don't care who its got as long as its got somebody.
So when you lay your head on the pillow and sigh at what a wonderful picture of whatever is hanging on your walls, please do not forget about "TEDDY." There are so many like him staying in shelters, or with family he never knew he had. There are so many families who may never overcome the mistakes a mortgage brings. If we can help those in need from far off places we've never been, and never heard of when disaster strikes, then why can't we help those who live next door. Why can't we see that help begins here locally and not all those people were stupid. Why is the frame of thought it was only the poor people, or those trying to out do the "Jones's." A lot of these were good hard working folks, now without homes, and soon without jobs. You see its affect is not just subject locally, but nationwide. It should not be a "bail out " system, don't read that into this conversation, however the next time you run to your local haunts check out the number of homes being sold not just by realtors but by banks, I'll bet its getting pretty close to your neighborhood, if not next door. You can tell the economy is being effected by this whole dilema, and its not just gas prices either. Those who were waiting for their dream homes to be built or to become available will, if not already, find it difficult to obtain that home loan. Oh yeah, thats right. If you thought so what if "Teddy" lost his home, it won't affect me, you are wrong. What happens locally will always soon enough reach out wether you know every Tom, Dick or Harry......TROUBLE NEEDS SOMEBODY....why not YOU!!????
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