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Rescooped by Esther Ryu from bay area Real Estate!

Real Estate

Real Estate | Esther Ryu-Business |
Real Estate

Via Emmanuel 'Manny' Gigante
Esther Ryu's insight:

This scoop is extremely useful to me and any potential viewers. Getting to see what goes on behind-the-scenes at a real estate company complements the knowledge of any potential tips for investing wisely and effectively.

Emmanuel 'Manny' Gigante's curator insight, June 18, 2013 1:05 PM

a must have for real Estate Pros

paynocommission's curator insight, April 19, 2014 1:12 AM

Pay No Commission is a property listing service where you can find thousands of homes,apartments & commercial buildings for rent or sale without no commission.

Systeem Makelaardij's curator insight, August 10, 2015 5:59 AM

Who is this guy? And why can he give answers you will not get elsewhere about NHG?


My name is Willem Nijs. Since 2008 I specialised myself in finding solutions to loss files in every possible situation. For people like yourself. Houses sold for less than the mortgage debt, because the value is less than the debt.

Maybe you've seen me or my collegeau in magazines, or on television. A lot of people know huisverkopenmetverlies, thanks to the TROS radar broadcast. Yes we have been on the news, being interviewed about the new NHG regulations. Because we are on of the few companies that stand up for consumers in this situation.

We are often called by journalists, to tell more about our experiences in loss cases.

What you should do now?


Grab a cup of coffee. Make sure you will not be disturbed in the next hour. Turn your telephone off and lock the door. Read this file. Add value to yourself. Maybe I can help you, maybe I can not help you. I want your situation to improve. Hopefully the following pages will help you.

If you want to know how to get through, I can help you. For free and with no obligations. Go to The application is free, without commitments and I will read every application personally.


Let's head to the first step in solving your problem, are you coming with me?

What nobody tells you about NHG

Why does nobody know how it precisely is with NHG?


I was standing in the middle room of my office. On the other side of the telephone was Niels van Nimwegen, journalist at TROS radar. He came to us, because nobody else could give him clear answers to his NHG questions.


He had the same questions you most likely have now.


When do you get remission?

Why can nobody give me an answer beforehand?

Why is the bank being so difficult about simple questions?

What is the best I can do in my situation?


Niels is a skilled research journalist. He knows where to get information and answers. He knows experts in almost every niche. But when I talked to him, he admitted he could not find clear answers and asked himself: If I can not find the right information, while doing it full-time as my job, how much harder is it for consumers to find the right information?


We spoke to them for a while and a couple of weeks later they were at our office doing an interview with us. Fortunately you can still see the broadcast. In the broadcast you see an interview with Karel Schiffer (former director of NVM), Harrie Jan- van Nunen (mortgage advisor) and my collegeau Arno Wingen.

Arno does the most of the media performances, I do not like to be up there. But if you pay good attention you can see me sitting in the audience.

Trosradar is being watched by approximately 1.2 million people. There is a big chance you already saw it. If not, a lot of useful information is waiting for you.


The valuable lessons from the tros radar broadcast is soon translated to english and will be posted on here, or


How NHG works


Despite the increased information, there still are a lot of unanswered questions when it comes down to selling a house with NHG. Who do you need to call, what do you need to do? When do you get a gaurantee?

So, right from the start:

The NHG outsourced a lot of their tasks to banks the last couple of years. You are not directly in contact with NHG, the bank controls the communication.

The first step is to indicate you are going to sell your house.


Here is an example of what a bank expects from you:


Name             (naam)

Adress             (adres)

Residence      (woonplaats)


Date:                  xx-xx-xxxx

Concerns:      Review financial situation

Loan number: xxxxxxx


Dear sir/ madam,


You have an mortgage with national mortgage gaurantee (NHG). We want to inform you about a couple of important matters regarding your mortgage.


Why do you receive this letter


You indicated that you have to deal with a relationship termination or loss in income. It is necessary for you to gain insight, in your financial situation, to determine the affordability of your mortgage. You are responsible to inform us, about your financial situation. That is why you receive an income and expenses for, with the request to fill it, sign it and send it back. Altogether with the pieces of evidence.

What are the next steps


Based on your delivered documentation, you will be tested if your income is enough to meet the mortgage debt and the extent to which home conservation is possible. When we do need receive all the information asked, we are forced to report this to NHG. This has consequences for a possible remission of mortgage debt, which may arise from selling the house.


More information


If you have any questions you can contact us. Additional information about NHG, you can get here


We assume you are informed enough,


Yours faithfully,




- Informing us, about your financial situation is your responsibility

- You fill in the incomes and expenses form and send it back directly, with pieces of evidence

- If you do not submit the requested documents, it will have consequences for your remission by NHG.



There is a list of files, which need to be submitted. These files must be delivered and therewith the income and expenses test is made. With this the NHG decides if it is possible for you to stay in your house according to their calculations.


But, be aware: This is NOT the same calculation when foreclosing a new mortgage.

With the calculation of the income and expenses test, the actual costs and your affordability of the house becomes more accurate.


Another important distinction: NHG regulations change from time to time, in some cases they change drastically.

I have more information, which I will translate and post.

You can also visit us at


Rescooped by Esther Ryu from Residential Real Estate!

Buying A Home? 5 Things To Look At And Talk To Your Agent About

Buying A Home? 5 Things To Look At And Talk To Your Agent About | Esther Ryu-Business |
When your shopping for a new home, there are many things that you will encounter. It is a good idea to have a list of requirements on hand when you meet with your real estate agent to discuss your needs and requirements.

Via Rebecca Ashley Martinez
Esther Ryu's insight:

I chose to include this scoop because it gave me a slight glimpse as to what my future may hold. This is crucial knowledge for me because as a future potential real estate agent, I need to know what to expect from clients. 

Rebecca Ashley Martinez's curator insight, November 6, 2013 3:48 PM

Great Article- 5 Things to Look At When Buying A Home...

Rescooped by Esther Ryu from Luxury Homes and Commercial Real Estate!

Residential real estate to continue slow rise in '14

Residential real estate to continue slow rise in '14 | Esther Ryu-Business |
Industry analysts, local real estate leaders expect improvements this year in real estate.

Via Enzo Calamo
Esther Ryu's comment, April 16, 2014 9:23 PM
I chose to include this scoop because of its great correlation with what my mentor advised me, while I was jobshadowing. He suggested that I begin to be on the lookout for economic trends, especially those that involve residential or commercial real estate.
Rescooped by Esther Ryu from Peer2Politics!

The People Economy Goes Mainstream

The People Economy Goes Mainstream | Esther Ryu-Business |

In the past year, the people economy made big strides in putting people back where they belong: at the center of their business. Behemoths like Apple and Starbucks, startups like Airbnb and Lyft, and many companies in between like L.L. Bean and Zappos, are all eager to disrupt their corners of the world by putting people--not technology--first.


Via jean lievens
Esther Ryu's insight:

This scoop is perhaps the most general and yet one of the most important of my compilation. The economy is a single word, but it has the power to affect every individual in the world. If the economy goes under, the real estate career field severely takes a hit. This goes along with what my mentor advised me: "Always look out for changes in the economy". 

Michael Watts's curator insight, May 14, 2014 11:58 AM

In today's economy, technology runs a lot of businesses , it's good now, that businesses are making the people economy better to further better todays economy 

Katie Gilbertson's curator insight, May 15, 2014 9:37 AM

This article is related to how our economy is turning into something that is all about technology and how they are trying to promote businesses

Nick Sigrist's comment, May 18, 2014 2:06 AM
I believe technology is definitely something we can utilize, and SHOULD utilize, to maintain a stable economy and maximize production. But many jobs are taken by technology, as well, so this teaches us to learn about the occupations that really need a robot in their place, and who can do just fine without one.
Rescooped by Esther Ryu from Buy flats in India!

The Real Estate Daily

The Real Estate Daily | Esther Ryu-Business |
The Real Estate Daily, by Real Estate: The Real Estate Daily, the social media voice of Real Estate (The Real Estate Daily is out!

Via fdcosta
Esther Ryu's comment, April 16, 2014 9:14 PM
I chose to include this scoop because it is ultimately a compilation of the most recent and groundbreaking news related to real estate, and this provided a more solid basis for me to do my research on. It additionally proved to be beneficial to me while job-shadowing.
Scooped by Esther Ryu!

Why Invest in Real Estate?

Why Invest in Real Estate? | Esther Ryu-Business |
Your real estate investment holds onto its value, despite what happens in industries around the world.
Esther Ryu's comment, April 16, 2014 10:10 PM
This scoop is the basic foundation for why I would like to go into real estate. There is value in everything, and this career field is always fluctuating, so there is never a placid moment.
Kerry Goggins Efferson-Realtor's curator insight, April 17, 2014 11:08 AM

The return on real estate investments can greatly outweigh the interest you earn on the same amount of money sitting in the bank.

paynocommission's curator insight, April 19, 2014 1:14 AM

Pay No Commission is a property listing service where you can find thousands of homes,apartments & commercial buildings for rent or sale without no commission.