Amy Zanelli, Realtor

Never ignore the bright, waving red flags.

If you are considering "mortgage forbearance" skipping mortgage payments.... you must read this first. Let’s do some ‘mortgage forbearance math’. Mom and Dad have a mortgage.... It's currently $1,500 per month. Dad gets laid off, calls the servicer, and asks for forbearance. In one phone call, he gets 6 months "off" from paying. Seven months later, Dad is finally back to work, and hasn't been able to save any money during the forbearance. Forbearance is lifted and servicer says, "That will be $9,000 + $1,500, which is now due". ($10,500) Dad almost passes out and says, WHY??" Servicer: "That's the 6 months of forbearance plus the current month. Dad: "I can’t do that, can we work something out?" Servicer: "Sure, we will spread out the $9,000 over 12 months." Dad: "Phew....ok, good. What will that look like?" Servicer: That will be $2250 a month for the next 12 months." Dad: " OMG!!! I can't afford that." Servicer: "Sorry....." Dad: "Can I refinance?" Servicer: "No because the loan went into forebearance." Dad: "What can I do?" In a nutshell, this is forbearance, folks. Forbearance is not forgiveness. I need to keep putting this message out there, because I am getting a lot of questions. Please understand the seriousness of this. If you still have questions, you know I am always here for you. Even if you just want to pick up the phone and talk. I will help guide you in the proper direction. I know these are very hard times, and I understand there is panic in uncertainty. Please just hang in there. This too, shall pass. This is why it’s so important to work with good realtors and good lenders. Thank you Michael Mann, and the entire team at Fairway.

Accepting new clients for this coming spring!

Some fresh cat snaps

The streak continues! Never have I ever, not had a listing under contract within 10 days. And yes, full asking price! Congratulations

Just listed! Check out this impeccably maintained home today!