Heath Hardin

10/10/2025

12/03/2021

A beautiful day created as a day to be thankful for what you have, starting with the roof over your head.

10/13/2020

07/16/2020

04/27/2020

This is for someone out there🙏

04/15/2020

IMPORTANT!Thinking of doing a Forbearance on your mortgage? Make sure you ask lots of questions & understand how your mortgage company is handling it. There are a number of offers being made, yet here is an example of one.
Let’s do some ‘mortgage forbearance math’.
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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. Can I refinance?"
Servicer: "No because the loan went into forbearance."
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In a nutshell, this is forbearance, folks. **Forbearance is not automatic forgiveness.** Please understand the seriousness of this. If you still have questions, you know I am always here for you.
Make sure to call your Loan Servicer before going late and make sure you fully understand what you are agreeing to.
-Thank you to Jordan Elizabeth Davis who wrote this post.

03/23/2020

While y’all gave us a a fright😳it was definitely a great gift...we are blessed to have you in our lives 🙏😀