Middletown, Newburgh and Monticello real estate and homes for sale in New York, Relocation Specialist, Foreclosure Specialist - Tonya Finn, REALTOR® Tonya Finn REALTOR(r) for Middletown, Newburgh and Monticello, New York real estate, Relocation Specialist, Foreclosure Specialist - NUMBER1EXPERT™ Tonya Finn NUMBER1EXPERT(tm) for Middletown, Newburgh and Monticello, New York real estate, Relocation Specialist, Foreclosure Specialist
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Tonya Finn, REALTOR®, real estate agent and broker for Middletown, Newburgh and Monticello New York home listings, property and land for sale - NUMBER1EXPERT(tm)
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Welcome > Resources > His Story ...

Derrick was born on January 10, 1975. He was a very healthy and happy baby boy. At the age of two Derrick became sick with a very high fever, which led him to have seizures. Eventually those seizures took their toll and began affecting his cognitive functions and thereby altering the course of his life. I often wonder where he would have been if his brain hadn’t been affected by those seizures, because anyone who really got to know Derrick could see that there was an intelligence and determination to succeed that contradicted the rest of his condition.

As a child on into adulthood, Derrick had an extreme thirst to learn and didn’t give up until he mastered his goal. Upon graduating BOCES (Board of Cooperative Educational Services), Derrick was determined to get his GED, so that he could go onto college. He studied and took adult classes for 6 years, so that he could pass his GED testing.

Derrick was a dedicated body builder, who trained very hard working day after day until his muscles would burn. Often riding his bike everywhere he needed to go. Although Derrick had won many medals and trophies for weight lifting, in June of 1999 his efforts and hard work really paid off. He went to Raleigh Durham, North Carolina where he competed against people from all over the world in the Special Olympics World Games. It was on that day he became the WORLD CHAMP in the power lifting event.

Derrick had many other qualities and gifts. He was an avid fundraiser; there wasn’t a cause out there that he wasn’t willing to support, often winning prizes for raising the most money. Some of the agencies he advocated for were the Special Olympics, Epilepsy Foundation, Breast Cancer Awareness and the American Heart Association, to name a few. Whether he was raising money or attending supporting walks, he would always take part.

Derrick was employed at the Monticello Fitness Factory for 10 years. There he was the head of maintenance, and often called the “third boss.” Derrick was very proud of his job, for it gave him a sense of independence. His bosses were an extended family and all the gym members were his personal friends. Derrick’s greatest love was for his family and for children. He was the best babysitter and role model to his small cousins, nieces and nephews. No matter what the circumstances were you could always depend on him to lend a helping hand. Whenever Derrick assisted you with a project, it was no longer your project, but “our” project. He took great pride and ownership in all that he did.

Derrick’s hobbies included collecting movies, Janet Jackson Memorabilia, weight lifting, wrestling, boxing, and helping his Uncle Robert do repairs around the house.

Derrick had a big heart and was a true champion by every sense of the word. Hopefully, if you are a champion, you are a role model. This means being unselfish and thinking of others. It means participating in community events. Derrick understood that, he walked every year for many different causes, including the Hudson Valley Fight against Breast Cancer. Prior to his passing, he was preparing to donate some of his things to the tsunami victims. He naturally was concerned about others and cared about all mankind. Derrick took what was left after his life course was altered; he picked himself up, gathered everything God gave him and made his life work. No one had to have faith in Derrick, because he had faith in himself.

Do you know what it’s like to know what your capabilities are? To have a dream or some sort of goal you want to reach and people tell you that you can’t do it. When you are fighting to be the best and people are laughing at you or discouraging you and putting you down. What separates the best from the rest is that champions refuse to listen. They believe no pain; no gain and that they can win. Derrick was a true champion.

On February 7, 2005 Derrick’s life came to a sudden end, due to having a heart attack brought on by a seizure. Over the course of his short life, he accomplished more than many without limitations. It just goes to show that if “you believe, you can achieve.” Please lets all remember that life holds no promises to any of us; at any given time our life’s course can change or come to a sudden end. Please lets all be kind to our fellow man. Often when people are not just like us, we don’t see them for who they really are. We are guilty of that in many areas of life. When it comes to race, gender, and/or religion we are guilty of it; or when it comes to people who have challenges that we don’t have.

Often we don’t see problems until they directly impact our lives. Please let’s not stand in judgment of those who are different. Let’s guide and assist them when they are in need. One day we or one of our loved ones may be faced with the same fate.

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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Real Estate Trivia
Q 
What is the longest construction time for a private residence?

A 
The Winchester House in San Jose, CA, was under construction for over 38 years.
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Tonya Finn, REALTOR®, real estate agent and broker for Middletown, Newburgh and Monticello New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Tonya Finn
Real Estate United Inc.

1197 Dolsontown Rd.
Middletown, NY. 10940
Cell: 845–798–3422
Home Office: 845-791-7144
Fax: 845–818–3922
Email: homes@tonyafinn.com
tonyafinn@hotmail.com

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