When youre selling your property, doing some very simple things can give you an amazing bang for your buck. One of those things its called staging. Its basically remodeling or redecorating your home to make it attractive to any potential buyer so important. And the results . They can be dramatic. We tagged along with professional home stager jennifer paxson, as she transformed two properties that are about to hit the market. What we do as stagers is we bring furniture in so that people can see how they could live in the space. We make people have an emotional connection so they see the way that they could live life. For Property Number one, jennifer went way beyond traditional staging and worked with the homeowner on repainting, restaining cabinets, and even replacing carpets. The style of the home is very traditional. And what were trying to do is make it transitional because transitional is gonna bring the traditional style as well as contemporary pieces. Contemporary pieces are more of what buyers look for today. Its more livable, its more realistic, and its more comfortable. In this room, what were doing is changing the paint color because what this paint color does is it darkens the room. So, were bringing in some lighter colors. Were gonna do barstools. Were gonna do accessories, bowls. Youll see a pasta with pasta sauce. So, they can actually connect. In this room, its gonna be a sofa, a chair. We put down a large area rug. Its a huge transformation when you see the after. We dont ever want to clutter a space. We just want to accent it. This room here is gonna be the game room. Were actually installing real tvs. Were bringing in a large pool table, some furniture like a sofa, some comfortable chairs. This is the formal dining room. What were doing in here again is painting to brighten up the room. Were bringing in a large, formal dining table, six chairs. So, i set the table, bring in floral arrangements, things that are again going to have the emotional connection that we can entertain here. This is where were gonna have our friends and family and enjoy. Were now heading into the master bedroom. Were going to warm up the space by bringing in a large kingsized bed with nightstands, lamps. So, jennifer, the last time i was here, there was nothing here. We have added furniture and accessories to all the main areas of the home. Weve brought in all the masterbedroom furniture. A few weeks ago, this room was vacant. Now that the furnitures in, you can imagine yourself sitting by the fire reading a book. Whats the difference between a stager and a decorator . Interior design were focusing on decorating for a person. Like, id be decorating for you and your taste. Only 10 of buyers can visualize what a home actually is going to look like with their furniture. Home staging is more about appealing to 90 of the population. The cheapest and most effective thing you can possibly do is paint. Its the best thing to totally transform a home. Property number two presented some unique challenges. Its another beautiful home with a massive open kitchen that opens out into an unbelievable outside area. We have a gorgeous Outdoor Living space. You have the pool with the grotto, the waterslide. And this room is the master bedroom. What were going to do here is a large, kingsize bed with end tables and lamps. You want the potential buyers to see this room and just fall in love with it. You know, jennifer, the last house was beautiful, but i must tell you, this is magnificent. The last time we were here, a lot of these things werent here, like this beautiful sitting area. Mmhmm. With just firstclass furniture. What did you do in here since the last time we were here . This room was completely vacant. What weve done is weve brought in all the accessories to warm up the kitchen. Mmhmm. I like to make it have a homey feel. The spices are out. The pastas are out. You know, just little touches like that that will connect them to the space. In the living room, weve added a large sectional so they can see themselves and their family having somewhere where they can hang out. This magnificent pool area was nothing like this. No. This is more of a remodel. Theyve actually emptied the pool. Theyre staining, refinishing, and sealing all of the rock area. What input does the homeowner have as it relates to the proposals that you make . Like, you say, i think this dining room should be oak. And somebody says, oh, i hate oak. Right. So, how do you react to that to make them understand that thats really appropriate . Well, what i try to do is just convince them. We are looking at your home as a product now. We want to appeal to the 90 of buyers out there. You want the majority of people to like the home when they enter it. People have to understand that this is a milliondollar home, but you could do this with really any reasonably priced home. Yes, any home. Yeah, and thats an Important Message out there. Great job. This is beautiful. Thank you so much. Thank you. Theres no way to talk about properties without dealing with the topics of credit. Lending and debt well, those things can seriously trip you up and haunt you for years. Ill tell you how to protect yourself and come out the other end successfully. Plus, behind the scenes at one of the strips hottest condos. [ woman vocalizing ] Liberty Mutual stood with me when this guy got a flat tire in the middle of the night. Hold on dad. Liberty did what . Yeah, Liberty Mutual 24hour roadside assistance helped him to fix his flat so he could get home safely. My dad says our insurance doesnt have that. Dont worry i know what a lug wrench is, dad. Is this a lug wrench . Maybe . You can leave worry behind when liberty stands with you™. 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Remove more plaque than sonicare diamondclean. My mouth feels so clean. Ill only use an oralb the 1 brand used by dentists worldwide. Oralb. Brush like a pro. Nearly every person in america at some point in their lives will need to understand the complicated issues of credit, lending, and debt. But to really understand it all, you first have to go back about ten years before the credit bubble burst. Housing prices were booming, and mortgages were being given away like candy. Were talking no income, no assets, stated income, stated assets that never were intended to be used on wage earners but then allowed people to get into homes they probably should not have bought. Theres surely some fault on some homeowners in america that got into the American Dream but really shouldnt have been able to get into that American Dream. In many institutions, you would have a chief lending officer. Chief lending officer is chasing production for productions sake, making loans, as many as they can, and not caring about the credit risk. Soon, millions of people were having trouble paying back the money they had borrowed, and foreclosures skyrocketed. The two most common ways of saving a home from foreclosure are persuading the banks to modify the loan or doing a short sale, which means selling the property for less than what is owed on the mortgage. You had to be in such a sweet spot to get a loan modification. You couldnt make too much money. You couldnt make too little because the banks wanted to see you could afford the payment long term. So, if you werent in this little, tiny piece of pie that they cut out, you were going through months and months, if not years, of supplying paperwork to the banks, giving them your pay stubs, your bank statements, hardship letters, over and over again on a monthly basis and really getting nowhere. Its much better for us to keep a borrower owner in their home than to take that home back. But many responsible people, those doing everything they could to stay afloat but still struggling were often told that the only way they could get help was to actually stop making payments. Most of the times they said, well, you know, you can make your payments on time, but wink, wink, nudge, nudge, youre probably not going to get approved because youre not our problem. Youre making the payments. Why are we gonna look at you when we have a stack of hundreds on our desk . That are in default. That are in default. So, now they have the hit on the credit. Theyre not getting a modification. And now what do i do . Now, even though things are getting better, theres still a lot of unpaid debt out there. And when you borrow money that you cant repay, it doesnt just go away. Eventually, debt is often sold to debt collectors, sometimes for pennies on the dollar. And to collect on it, they can get very aggressive. When times got tough for jeffrey smith, he turned to payday loans to cover his expenses. A knock comes to our door. I open up the door, and its one of the people from the payday loan companies. A manager is knocking on the door, asking us for money. Im sorry. Were going through bankruptcy. No, no. You owe us a debt. You have to pay up. No, you have to get off my property. No, no, you have to pay up now. And he wouldnt leave. But what if you dont even owe the money . Joe hernandez and his wife, well, they were always very careful to pay their bills on time and keep their credit good. But that didnt seem to matter. We started receiving phone calls just out of the blue, and they would call and they would ask for somebody with the last name of hernandez, like mine. And it usually was john or joel or jeff or julie or judy. I continually told them that they had the wrong number and to quit calling us. I thought that would end it, but of course it didnt. Did they call all times of the day . Wed get calls early in the morning, late in the evening, on the weekends. It didnt matter. Sometimes wed know when the phone rang that it was some Collection Agency trying to collect. Sometimes they would call and then about not even a halfhour or an hour later, they would call again. And we could tell by looking at the phone, what phone number it was, and it was the same number. How many times do you think they actually called you . On a daily basis . Yes. Could be anywhere from 3 to 14. We just got tired of the phone calls. It seemed like we were being harassed on a regular basis. It interrupted our life, and we just thought, you know, we just want them to stop. Eventually, they couldnt take it anymore, and they called attorney Kevin Hernandez no relation. Its a cost benefit that they go through, these collection companies go through. They say, well violate the law this many times, and maybe one or two of these people, like the hernandezes, will seek an attorney. The rest wont, and they can recover off of those people who are scared and who want to pay the debt just to make the calls stop. We were told that they were in violation of federal law and that there was some recourse that could be taken to stop the harassing phone calls. When you first get a call from what is perceived to be a debt collector, do you think, well, gee, is there a bill i didnt pay, and i forgot about it . Did that ever come across your mind . You know, you kind of think about it, but we know that were very current on our bills, and we check our credit scores, and there was no credit problems. So, as soon as i realized it, i thought, well, why am i being harassed for something that i dont owe . There is intimidation and fear and coercion by these cause these people are really pros. Theyre very disciplined people. Theyre not afraid of rejection. One thing i want to make clear is that Debt Collection in general is a legitimate business. Sure. And so, i dont want to disparage the business in general. But if you look at some of the players in the game, especially here in las vegas, you see that the collection tactics they use, like calling at odd hours of the day, calling multiple times per day, telling people that theyre gonna go to prison for a debt, telling people that theyve opened a case against them and making up a case number these are things that i see all the time, and theyre things that are obviously clear violations of the federal law that we use to file these cases. If people realize that didnt owe, they probably say, well, yeah, you owe 100. Well settle for 50. Im sure thats a common tactic. It is. It is. Ive seen as low as 16 in some cases, where they claim that they owe 16, and they have no verification, no basis for it. And theyll tack on fees on top of that to make, you know so, oh, youre gonna pay for this debt . Well, now you have to pay for our attorneys fees or our costs. And if youre wondering what happened to Joe Hernandez and his wife, whose phone just wouldnt stop ringing . Well, they filed suit in federal court. Its interesting. As soon as the federal litigation was filed, the calls immediately stopped. So many people have lost so much in the last several years because of the realestate crisis and just enormous amount of debt. And theyve been harassed by debt collectors. Im gonna give you a checklist of what your legal rights are if youre being harassed by a debt collector. And also, you want to see some beautiful condo living on the las vegas strip, the center of las vegas . Well be right back. This is the property man. [ woman vocalizing ] rethink whats possible. Rethink your allergy pills. Flonase sensimist allergy relief helps block 6 key inflammatory substances with a gentle mist. Most allergy pills only block one. And 6 is greater than one. Flonase sensimist. Okay, iunderwear thatsd say this, bactually pretty. Er leak surprised . Its called always discreet boutique. It looks and fits like my underwear. I know what youre thinking. How can something this pretty protect . Hidden inside is a super absorbent core that quickly turns liquid to gel. For incredible protection. So i feel protected. And pretty. New always discreet boutique. Welcome back. Im bob massi, the property man. More than 500,000 americans buy condos or coops every year. If youre thinking about joining them, go to foxnews. Com propertyman, and ill tell you what to look for and what to watch out for. But first, lets check out a unique complex right here in the las vegas area. You could find luxury condos in just about any city in america nowadays. So, what makes these special . Well, its the old cliche about real estate location, location, location. The veer towers were built in 2010 as part of the city center development, right smack in the middle of las vegas strip. City center has been called a city within a city 67 acres of shops and restaurants, hotels, and apartments surrounded by that famous las vegas strip. The veers unique buildings stand out due to their bright yellow color. And, by the way, they were built tilting outwards at 5degree angles. Lets go get a tour. Were at the veer towers on las vegas boulevard. This is the famous strip. So, obviously, this is a spectacular place overlooking the strip. Tell us about this particular setup. This residence is one of our twobedroom condominiums. Were on the 15th floor, a little over 1,300 square feet. We have a kitchen area, dining area, living room, sort of all selfcontained. Correct. Clients can purchase them and do whatever they want as far as the decor. What is standard, though, if you look at the kitchens, for example the bosch appliances, the countertops. All that stuffs standard, whether you go to a studio or, for that matter, one of our threebedrooms. Our success is really based on where we are. You move these buildings two blocks in either direction, our numbers would be different, completely different. Vegas has always been known for destination, place to come and hang out, but never for, like midtown manhattan, where people are coming and buying facilities like this, buying a condo to live here or invest in it. So, thats a big change for vegas. I think so. And its starting to change more in what were seeing. In other words, when we first started, you would see a lot of the investor market coming. Over the last year, its changing a lot of the endusers now. As nice as the hotels are, its still a hotel room. This is their place. They sleep on their own pillow. Aint it good to come home . Here we have obviously a bedroom. Yeah, youre going into the master bedroom. The thing to point out here is the bathrooms, because these are the standard finishes that we have throughout the building. Lets talk about the price range. Okay. This is 1,300 and. Little over 1,300 square feet. So, how much is this, if somebodys gonna buy it . As you see it here, fully furnished, youre looking at 1,025,000. Okay. Turnkey everything you see. And you go from a studio . Oh, no, we have condominiums that are 250,000. Okay. On up to more than 2 million. Well check out the 2 million apartment in a minute, but first, most owners will tell you that the best part of a condo are the amenities. Owners are able to take advantage of these facilities, like pools and gyms and game rooms and media centers. Well, at the veer, there is no exception. So, we just came from this spectacularlooking condo with a view thats unbelievable. So, you think when youre looking at it, how can anything get better than that . Im gonna show you. And then you bring me up to this amazing 37th floor at the veer. Were on the 37th floor. If anybody had any doubt as to where were located, this is the heart of it. Were in the heart of the strip. And you got the Fitness Center over there. We have a Fitness Center, right, and the media room. We only have sunshine about 360 days a year. Yeah. Life is good. Its not terrible. Life is good. Its not terrible. Were on the 21st floor, and this is a 2bedroom with a media room. Its a little over 2,200 square feet. So, ed, you mentioned the media room, or aka the man cellar. Let me take you to the man cave. Yeah. Come on in. Here we go. This is living right here. This is it, yeah. No, this is a great spot, obviously, to come here and unwind. Youve been in the realestate business for a long time. Yeah. In general, when somebody is buying a condominium, what kind of questions do you think they should be asking you, the person thats representing the veer or any other condominium complex for purposes of answering that question . What direction do you give them . I think its really important that when people buy condominiums, they realize that its not just buying their little residence. You really are part of a bigger picture, which in this case, for example, veer towers. The association, for example, and the financial standings of the association is something that you want to look into in any condominium purchase, regardless of where you are. Let me show you the master bedroom. Yeah, yeah. I would never have expected to see this kind of closet in a facility like this. This residence here is perfectly suited for that individual who does make las vegas their primary home. I tell the clients, how cool is it that you get to own a piece of whats arguably the most famous boulevard in the world . No question about that. Ed, thank you so much for your time today. Thank you, bob. Thank you for coming. Oh, no, fantastic facility, beautiful the amenities, the views. And youre welcome anytime. Thank you, buddy. When we come back, well review some of what we learned today in the massi memo. [ woman vocalizing ] its a highly contagious disease that can be really serious. Especially for my precious new grandchild. Its whooping cough. Every family member, including those around new babies, should talk to their doctor or pharmacist about getting vaccinated. Welcome back. Im bob massi, the property man. And now its time for the massi memo. Earlier in the show, we talked about Debt Collection. Everybody gets a letter from a debt collector, they panic. Heres what you need to do. Open up the letter. Dont be afraid of it. Make sure its a debt that you owe, or you dont owe. If you dont owe the debt, you have rights. You write them a letter, and you say, hey, this is not my debt. Prove it to me that it is. If you check your credit report, its on your credit report. You say, hey, thats not my debt. Remove it. So, you have rights. Dont be afraid of that. Debt collectors, for example, they cant garnish or threaten to garnish your wages or put a judgment against you and take your kids away. They do these type of things. Theyre not supposed to call you late at night. Those type of people can be very abusive, and there are specific laws on the books that say you cant do that. So, dont fear it. The biggest problem i have, so many times. We get emails. People are afraid. Anxiety creates confusion and frustration, which leads to more fear and problems. If you get a registered letter or certified letter, please go get it. Its very important to do that. Thats all we have time for today, but theres much more on foxnews. Com propertyman. Be sure to send me your questions and any property stories at propertyman foxnews. Com. Im bob massi, the property man. Ill see you next week. [ woman vocalizing ] im bob massi. For 34 years, ive been practicing law and living in las vegas, the center of the recent realestate crisis. Lives were destroyed from coast to coast as the economy tanked. Now, well, its a different story. The American Dream is back. And nowhere is that more clear than the Sunshine State of florida. So we headed from the strip to the beach to show you how to live the American Dream. Im gonna meet real people who are facing serious problems, take you behind the gates of properties you have to see to believe and give you the tips that Everyone Needs to navigate the new landscape. Because information is power. And the property man has got you covered. [ woman vocalizing ] thanks for joining me. Im bob massi. What if you could build the ideal community with every detail designed to enhance the lives of those who live and work there . Its a bold experiment playing out here in a place called lake nona in orlando, florida. Lake nona is an 11squaremile city built from scratch. 11 square miles of an integrated, highly Collaborative Community thats anchored by these clusters of excellence in science, sports, and education with an underpinning and a foundation of Technology Running through it. And weve designed it from the ground up. That means homes, schools, universities, commercial. Hotels, restaurants, hospitals, sports facilities, shopping centers. All built to complement each other with the goal of creating the perfect city of the future. Most great cities or clusters take decades to come up. They grow organically. Its over 20, 30, 40 years in a helterskelter fashion. We had the opportunity here to design everything from the ground up. Technically, lake nona is part of the city of orlando. But not very long ago, there was only the Lake Nona Country Club and empty fields. Lake nona is one of our jewels. Eight years ago, lake nona was a cow pasture. And now, it is fairly unique within the entire country. Behind me here is what it looked like when we started. It was a large cattle ranch. And this area was primarily used for grazing. Then billionaire joe lewis, founder of the Global Investment company tavistock, bought the golf course and saw those empty fields as an opportunity to do something special. Joe lewis and i asked ourselves, where else in the country can you find a few thousand acres of land next to one of the worlds greatest airports that is in a city thats known throughout the world for being familyfriendly, is in a tax haven, is in a great climate . And thats when it hit us. You cant find land like that. So lewis and tavistock started buying up the land, 8,000 acres in all. He made a challenge. And he said, please, lets do somethin special. Dont give me more of the same. We dont want the typical, old suburbia. We took that challenge. It inspired us. We think we can make a difference in peoples lives here. We really have had the luxury and the opportunity to plan everything, to think about where the retail goes, where the office goes, where our medical city is, and where the residential is. With that, you know, comes a great opportunity and also a great responsibility to take things to the next level and kind of push the limits of what we can do here. But where do you even begin . They were faced with the chicken or the egg dilemma. Its always the conundrum that developers face is, what comes first, the jobs or the homes . We felt that if we concentrated on the jobs, that Everything Else would take care of itself. So they teamed up with anchor institutions, major universities and hospitals, who agreed to build here in lake nona. To have jobs factories, you have to have amazing anchors or partners here, like the university of central florida, the Sanford Burnham research institute, nemours childrens hospital. Well, it worked. Already, lake nona has created more than 5,000 permanent jobs with another 20,000 expected over the next 15 years. That is not counting the jobs created by the 3 billionworth of construction that has already taken place. And more is coming. Behind me, the federal government is almost done building the largest, most stateoftheart va hospital in the country. Its 1,200,000 square feet and has their National Simulation center. Its one of the biggest jobs engines in the state of florida. Lake nona is the fastestselling community in central florida. Were adding 1,000 new families to lake nona every 2 years. The Community Development model typically is build houses and then some retail comes in and then the jobs come in. Weve been fortunate to be able to deliver on all of those things. So communities need to be built all at once. Lake nona has six so far. But Building Communities does not just mean building homes. Gone are the days where you live in a house in an isolated sort of place. Its really important that we have the nearby schools and we have the Grocery Store right down the street and were close to your job. We have 7,000 students going to school here, right on our grounds at lake nona, from earlychildhooddevelopment centers and through to a graduate education where you can graduate from here with your m. D. Or phd and never leave lake nona. Because of the proximity of the medical city and the ymca and the schools within the neighborhood, i can ride a bike to work, ride home, and pick up the kids by 6 00 at the afterschool program. Weve taken the best of what weve seen throughout the country and really the world, brought all different parts and pieces over here. To my left, we have the adult pool section of our aquatic center. Across the street here, under construction, we have a new restaurant and a market that were building. Were working right now on a millionsquarefoot, regional mall, the first phase of which is two hotels and an Office Building and a bunch of restaurants. We have a wide range of housing types, town homes all the way up to very large, custombuilt homes. We have a 290unit apartment complex thats under construction right down the road. This community is built around Neighborhood Parks and schools and jobs and all of these things. So were also building a community that is better. When we come back, well take a look at lake nonas groundbreaking medical city. [ woman vocalizing ] poor mout. Allergies . Stuffy nose . Cant sleep . Take that. A breathe right nasal strip instantly opens your nose up to 38 more than allergy medicine alone. Shut your mouth and say goodnight, mouthbreathers. Breathe right. You wont see these folks they have businesses to run. They have passions to pursue. How do they avoid trips to the post office . Stamps. Com mail letters, ship packages, all the services of the post office right on your computer. Get a 4 week trial, plus 100 in extras including postage and a digital scale. Go to stamps. Com tv and never go to the post office again. My friend susie cracks and hello sensitive bladder. Ring a bell . Then you have to try always discreet. I didnt think protection this thin could work. But the super absorbent core turns liquid to gel. For incredible protection. Thats surprisingly thin. So its out of sight. And out of mind. Always discreet. For bladder leaks. Also in liners. You know win control . Be this guy. Check it out selfappendectomy oh, thats really attached. Thats why i rent from national. Where i get the control to choose any car in the aisle i want, not some car they choose for me. Which makes me one smooth operator. Ah still a little tender. vo go national. Go like a pro. Welcome back. Im bob massi, the property man. Im standing in lake nona, an 11squaremile city built from scratch within the borders of orlando. Lake nona is being built by the private Investment Company tavistock and is already grabbing nationwide attention for its medical city. There are five major components. Ucf has a medical school and a lifesciences college there. The university of florida has a research institute. Sanford burnham has a research institute. Nemours built a childrens hospital. And then the crowning piece is a brandnew, stateoftheart va hospital. They found that the secret to making a great city is clusters. Its the collaboration within the cluster that makes it all work. I dont think the eureka moment really happens while that scientist is in the lab, poring over his test tube. I think what happens is, the eureka moments occur when theyre out here socializing at lunches and dinners, getting together. And the geneticist is with the physicist, whos with the scientist, whos with the surgeon. Many of us are working in the local businesses or the medical lifescience community and industry. So ive made deals and collaborations on the soccer fields. [ chuckles ] we felt that collaboration was going to be the turbo mechanism for us. The nemours childrens hospital, theyre able to recruit better doctors, same with the va medical center. Because this doctor, if he wants to, can teach at the medical school right across the street, can do cuttingedge research, as well, in the next building across the street. The scientists, theyre able to teach. Theyre able to practice. Its resulted in one of the most richest Technology Foundations that we could have. We have one gigabit bandwidth that we deliver to the homes and businesses here. Its basically over 200 times the average speed of a u. S. Internet connection. We started from scratch and put in all of the conduit and the fiber and all those things. That means everybodys internet in lake nona is not just the fastest in the country, but in the entire world. You can do Amazing Things with that. Scientists need it. Doctors need it when theyre getting xrays across their screens and the type of quality that they need. And the homeowners just absolutely love it. 20 to 30 of our residents work out of their home. And theyre able to do so because we give them the right technology to be able to access what they need to. Two critical qualityoflife components are integrated into every aspect of lake nona health and wellness and technology. The Lake Nona Community is really a purposebuilt place. So many people talk about health and wellness today. But how many people really do it justice . How do we nudge activity . We all know that exercise is important. We need to move more. How do we design activity where it doesnt feel like somebodys forcing it upon us . We have 44 miles of trails throughout this community. If you look at urban settings now, a lot of them are having to go back and retrofit with sidewalks and bicycle paths. And all of that is masterplanned into the community. I ride my bike to work at least once a week. And ive noticed a lot more people. Because there are bike lanes, theres sidewalks and trails, a lot more accessibility to running, walking, biking. Weve retained about 40 in preserves and park space throughout our 8,000 acres. Theres public parks that are close proximity to everybodys home. Every morning, theres a switch that goes off, and everyone comes out of their homes, and parents are walking kids to school, kids are walking to school. Theyre on bikes and scooters, and other small kids in tow. So its very vibrant. As you walk through the front doors of most of our businesses, youll see the stairs immediately, and youll have to search for the elevators. And so the percentage of people that are actually utilizing the stairs is clearly increasing. The lake nona life project is a voluntary study that will give researchers ways to keep improving the quality of life. Its a multigenerational, multidecade research project. Its sponsored by johnson johnson, studying how Health Behaviors can be impacted and how behavior change can take place. The insights that come from a project like this can be transformational in terms of the future for medicine and health and wellness. And the corporations and the universities that are part of the medical city, well, they enable them to keep finding ways to improve how people live. Were excited about a new home that were building called the intelligent home. The intelligent home of the future is gonna be a lot about sensors and other things, too, as we continue to drive, you know, new technologies integrated in the house. G. E. Is helping us with our new kitchen of the future. And how are we using digital devices and other things to help us with Menu Preparation and inventory of your foodstuff in your pantry and all those kind of things. Weve worked very hard to find partners and anchors that think alike, that have the same dream that we have to create the ideal place that inspires Human Potential through innovative collaboration. We really bound out of bed every day. We think we can make a difference in peoples lives here. Coming up next on the property man, ill go meet a woman who thought her only options were to let her beautiful property go into foreclosure or do a short sell. But then, she heard of a program that just might save her property. [ woman vocalizing ] its time to rethink whats possible. Rethink the experience. Rethink your allergy pills. Flonase sensimist allergy relief uses unique Mistpro Technology and helps block 6 key inflammatory substances with a gentle mist. Most allergy pills only block one. And 6 is greater than one. Rethink your allergy relief. Flonase sensimist. We have a question about your brokerage fees. Fees . What did you have in mind . I dont know. 4. 95 per trade . Uhhh and i was wondering if your brokerage offers some sort of guarantee . Guarantee . Where we can get our fees and commissions back if were not happy. So can you offer me what schwab is offering . Whats with all the questions . Ask your broker if theyre offering 4. 95 online equity trades and a satisfaction guarantee. If you dont like their answer, ask again at schwab. Approaching medicare eligibility . You may think you can put off checking out your Medicare Options until youre sixtyfive, but now is a good time to get the ball rolling. Keep in mind, medicare only covers about eighty percent of part b medical costs. The rest is up to you. Thats where aarp Medicare Supplement insurance plans insured by Unitedhealthcare Insurance Company come in. 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Plus, nine out of ten plan members surveyed say they would recommend their plan to a friend. Remember, medicare doesnt cover everything. The rest is up to you. Call now, request your free decision guide and start gathering the information you need to help you keep rolling with confidence. Go long™. Welcome back. Im bob massi, the property man. Im here on a beautiful piece of land just outside of orlando, florida. A woman named suzanne and her mother bought this property in may of 2005. What a rustic, warm feeling this is. Talk about a logcabin effect, you did a great job. Yeah. Thank you. So this is all just what type of wood is it . This is actually cedar. And then, you have the pine floors. The 2,400squarefoot, 3bedroom, 2bath property sits on 5 acres with a logcabin home. I needed a place to move my horses. And i wanted to live out here with them. Was the structure on this property at that time in 05 . Just the home. She went on to build a horse barn and two sheds. The area, at that time, was just orange groves, swamp lane and singlelane roads with one blinking light. We had just a couple gas stations with a Volunteer Fire Department and a daycare. Mmhmm. The closest Grocery Store was around 25 minutes away. Suzanne purchased the home for 340,000. She took a homeequity line of credit for 150,000 to improve the property. I was able to purchase the home. And it was at a good rate, good value. I put the 20 down. Then i took a homeequity line of credit out and was able to clear the property, built the 4,500squarefoot barn, fenced the property, put just a lot of investments into the property. Unfortunately, suzanne went through divorce, which resulted in both of them moving out. They tried to sell the property, but then, well, the economy collapsed. Almost overnight, the value dropped, and she found herself underwater. Suddenly, she had very few options other than to try to shortsell the property for 236,000, almost half of what was owed. And she really had no interest in doing that or letting it go to foreclosure. With no decent offers, well, she decided to rent it out even though the monthly rent was less than a mortgage payment. So you ended up going into your savings, your other sources of money, in order to make the payment. Correct. I was just paying out of pocket every month. She then heard of the program called h. A. R. P. , the home affordable refinance program. H. A. R. P. Was set up by the federal Housing Finance agency in march of 2009 to help underwater and nearunderwater homeowners to be able to refinance their mortgages. I met timothy lucero. Hes a friend of mine. Mmhmm. He is an attorney. And he informed me about the h. A. R. P. Loan. Is that the first time you heard about the h. A. R. P. Loan . Absolutely. My banks did not advertise this loan at all. After being unable to refinance through traditional routes, well, she was able to get a h. A. R. P. Loan of 401,000. The great thing about it was the home wouldnt appraise for what i owed on it. And i wouldnt i didnt have to worry about a reappraisal. I didnt have to worry about another credit check or anything like that. They just took the loan and pretty much refinanced it without any reappraisals. People get the h. A. R. P. Program mixed up with loan modifications, but theyre very different. For example, in a loan modification, you had to show a hardship. You had to be behind in your payments, which upset many people. With h. A. R. P. Unnecessary. No appraisal necessary. You submit the paperwork, and if you qualify, you get approved for the h. A. R. P. Program just like suzanne did. The h. A. R. P. Process allowed suzanne to reduce her mortgage payment about 700 a month. The h. A. R. P. Refinance cost about 7,250 with a 4. 8 Interest Rate, substantially less. So now, when you rent the house, are you in the good . Are you in the black now . It is pretty much almost breakeven. Yeah. We get a little bit more than the mortgage payment. But it does not cover the taxes or insurances. So, lets go through some of the h. A. R. P. Bullet points to qualify. First of all, the loan had to be before may 31, 2009. The homeowner had to be current on the loan, not more than 30 days late in the last 6 months. And heres what you need. It couldve been a primary home, a second home, or one to fourunit investment property. Obviously, it had to be a fannie or freddie loan. And the loan to value had to be greater than 80 . The h. A. R. P. Program still has legs, but if you talk to most lenders today, its not really that effective. It did help a certain percentage of people like yourself and others. But a lot of people it didnt. But i will say this to you. Some of the people, the reason it didnt work, was because they were fed up with what they went through with lenders and they were so emotionally, just, broken. So whats your message to those who are watching the show here . People are so quick to take the fast act and shortsell or foreclose. And they need to research and evaluate the situation. Heres whats important to understand. You have to do your own Due Diligence as a homeowner. You have to ask the proper questions of the proper professionals to find out what programs are out there to be able to try to save your home. Theyre still there. Be very aggressive in finding out what is Still Available to save your home. I think people need to take responsibility and not act fast. The one thing that i try to tell people all the time is they got to ask. Go to professionals, ask. Go to lenders, ask what programs are out there. Find competent brokers, realestate brokers. Find out whats going with the property. And also, really try to understand the different kind of loans. Congratulations on your decision. You did good. Thank you. Up next, the massi memo with information on refinancing that you cant afford to miss, so stick around. [ woman vocalizing ] oh boy. 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Theyve existed the program through the end of 2016, which is a good thing. But its not always easy. You have to be current on your mortgage, no more than 30 days late in the last 6 months and no more than once in 12 months. This is good to know. Not only does it cover primary residence, but second homes and one to fourunit Investment Properties important for you investors out there. It must be a freddie mac or a fannie mae loan. The loan also has to have been originated prior to may 31, 2009. Loan to value greater than 80 . This is not, by the way, a loan modification. It is a refinance of your present mortgage payment. And usually, appraisals are not necessary. There are definitely not as many h. A. R. P. Refinances being accepted anymore, but if you meet the criteria, please look into it. Thats it for today. As always, theres more info on our website at foxnews. Com propertyman. And be sure to send me your questions or your property stories at propertyman foxnews. Com. Im bob massi. Ill see you next week. [ woman vocalizing ] President Trump making his second trip to texas as Hurricane Harvey made landfall more than a week ago. President trump to the people affected by Hurricane Harvey we are with you every single step of the way. To wa the president is working at rebuilding houston and the devastated areas through a builders eye. The entire community in the port arthur and beaumont area are still in as accessible. Its day eight and evacuations continue. I saw the devastation down there and i was amazed by the commitment of what the texanss are doing to take care of themselves. President trump has requeste. Nearly 8 billion in initial federal aid for Hurricane Harvey recover are. Theyre taking care of the pe