hill family extreme makeover foreclosure

Foreclosures of the homes are one of them. Fourteen-year-old Lizzie is a Red Cross hero, and Ty and his crew are ready to rebuild their home which has cracked foundations, water damage, termite and mold problems and no proper insulation. We LOVE you. Now they help raise awareness of these crimes, help the victims, and raise their three grandchildren who were orphaned as a result of it. 3 years after, George was diagnosed with brain cancer. They have officially adopted three of them. "But I still say, you know what, when Lansing was asked to step up they did so with flying colors and I'm so proud of our community.". Many of the houses featured in "Extreme Makeover: Home Edition" are facing foreclosure, and instead of sitting by and waiting while more families lose their dream homes, a Wall Street Journal report says producers of the show have decided to scale back. As a result the family has been unable to afford to renovate their small dilapidated home. An HGTV executive told Country Living,"In HGTV's reboot of Extreme Makeover: Home Edition, we carefully consider each family's unique situation. His surviving family was left to live in a dilapidated house that they could not afford to repair. Were lucky, Tim said. The crew members added features to the house that served no functional purpose to show off their craftsmanship on television. The original Extreme Makeover: Home Edition featured Ty Pennington, a team of designers, and volunteers who swept in to redesign and rebuild homes for families in need, including cancer victims and military families. He survived, but had a fragile immune system and uses a wheelchair. "I was happy to see they got the house when they did," Ward said. The 2009Ford Flex gifted with the home sat in the driveway hooked to a moving trailer. It's not the same.". All rights reserved. The family lost two children, one to domestic violence and another to a drunk driver. "The military service allowed me to get an education, it let me lead a good life," said Ruiz, who has an MBA. Even though people on the show get new free houses they have to face other challenges. He battled the disease for seven years before his death in January 2008. DESENVOLVIDO PARA MENTES JOVENS E MODERNAS. HGTV senior executive Loren Ruch said, "The makeovers are dramatic, but that doesn't mean the homes need to be enormous it was something we talked about at every twist and turn. Her husband Gary Beatty has died of a heart attack, and she has been unable to afford to make changes to her dilapidated home. These patterns have happened many more times among those that appeared on the show. Israel Houghton Reveals Divorce From Wife, Accepts Blame: I Failed And Sinned In My Marriage, First Lady Vanessa Long Discusses Divorce Storm with Bishop Eddie Long, Community Connection Tuesday January 10th 2023, Community Connection Thursday February 16th 2023, SIGN UP FOR THE AM 1310: THE LIGHT! * One in five new homes is larger than 3,000 square feet, the size at which it becomes unmanageable to clean without hired help. A number of families ended up losing their new and improved homes to foreclosure (via USA Today). How did Gospel Artist Tonex Become Gay Activist B-Slade? Well, you don't.". Beautiful moving touching story here we are years later and my curiosity is how is hammers career doing, Your email address will not be published. Required fields are marked *. Ty's secret project: Jake's Disney-themed bedroom. These are the kids that dont go to Disney; this is their Disney., Tims students can also do their schoolwork with new computers that were donated to the facility. The shows camera crew shut down five years ago, but we havent stopped watching whats going on with these homes. Callie dreams to one day have her own television talk show. On-line blogger Joe Wilson of blogcritics.org wrote, "'Extreme Makeover: Home Edition' producers never estimated the tax bill on houses featured on the show. Aaron Frisch is a firefighter who puts his life on the line every day in an attempt to save a life. window.addEventListener( 'loadOrInteraction', function() { (PR pitches sent to this address will be ignored.). Nickless doesnt know where shes going, she said, or where shell store a lifetime of memories. However, he managed to stay out of the bad influences through the sport of boxing. The coffee shop is not accessible to the employees because it is small and the production area has narrow passageways. Four years ago, Felicia Jackson made a promise at her sister Cassandra's deathbed to keep all 10 of her nieces and nephews together. He is considered a hero because of his great strength and determination to survive. @misscmoore. That loan was renegotiated to give the family a better chance at keeping the home. Sometimes when we walk in, we feel like were in somebodys really nice vacation home, Michelle said of her new 3,200-square-foot home, built by the celebrity cast, the shows designers and hundreds of volunteers. Proceeds from these fundraising events contribute directly. His wife Jackie has been diagnosed with Ehlers Danlos Syndrome, a rare disease that causes damage to connective tissue. He survived, but suffered a traumatic brain injury. This, in turn, frees up funds for the family to maintain the new or renovated home," the executive said. Her home's foreclosure resulted from an ongoing struggle to manage the property's pre-makeover mortgage a balance of about $30,000 after the 2008 makeover, but had ballooned to at least . At times she says she can hardly believe that she has been blessed with such a loving and devoted family. Sadie Holmes will fight to save her six bedroom Florida hacienda in court next month due to financial troubles that accumulated after the show aired reports the Orlando Sentinel. Design team: Ed, Michael, Paige, Paul, and Ty. ", Still, producers wanted to make sure the families they helped this time around weren't as vulnerable as they were the last time. !function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0],p=/^http:/.test(d.location)? Other Photos in Extreme Home Makeover - Hill Family Home in Suffield, CT, 2009. Request PDF | On Mar 1, 2019, Gabriela Goudard and others published Eventos e episdios pluviais extremos: a configurao de riscos hidrometeorolgicos em Curitiba (Paran - Brasil)Extreme . Another "Extreme Makeover: Home Edition" house is facing foreclosure. So far this year, 390 houses in Oak Park are in foreclosure, said Jim Ghedotte, the city's finance director. Stay tuned for all the latest updates, photos and video as this blessing continues for Jane and her family! The Harveys appear to have followed so many others into the same situation, They accepted a massive house they couldn't afford. Jeff (who came from a family line of veterans dating back to the American Civil War) and his family visited Washington, D.C. Ty's secret project: Tim and Michelle's master bedroom. Can my neighbor build a shed against my fence. Among these donations were five years of lawn service, a push lawn mower from John Deere, and one year of Time Warner Cables All the Best, which includes cable, phone, and Internet service. [n 1], Ty's secret project: Barbara and George's master bedroom Back in 2010 the Wall Street Journal listed five families who faced foreclosure because their homes were too extravagant to sell. Even if you werent a Trading Spaces-inspired millennial, youve probably watched an episode or two of Extreme Makeover: Home Edition. Ty's secret project: Jeff and Clara's master bedroom The home also went to auction with no bids. Have a neighbor going to bizarre lengths to get through the recession? Theyve filed for bankruptcy and are facing imminent foreclosure. In 2009, a short three years later, the Hassalls were unable to meet the increase in utilities and property taxes, and the family sold the home to relieve the weight of a $100,000-plus mortgage. But then Johnson (not his real name) was laid off, and he and his wife fell behind on their rent and car payments. Extreme Makeover: Home Edition has always strived along with our volunteer builders to create not only extreme homes, but homes that work for the owners for years to come, the spokesperson said. Their property taxes are paid. A fairy tale foreclosed: 'Extreme Makeover' home on auction block - Milton Harper; . In most cases, those who got on the show have significant socioeconomic problems that they are battling with. This leaves the burden of completing the project on the family. In some cases, our partners provide financial assistance to help the family with costs of homeownership or assist with another major financial need in their lives. Theyre still in shock at things, he reported. They had lived on William Street for about 14 years, and time had taken its toll on their house. The home however was destroyed, and they could not afford to repair. It was fantastic, Tim said. Please be sure to open and click your first newsletter so we can confirm your subscription. We had the most people show up on door-knock day [the first day people can volunteer to work on the house], the most volunteers, and the most people show up for the reveal. For Tim, the sea of people was just as impactful as the moment the bus was moved away, revealing the house. Photo by Kathryn Roy Catherine Hill prepares a meal in her family's new home, thanks to "Extreme Makeover: Home Edition." Apparently the 24-page single spaced contract did not give the Higgins any right to the home built as a result of their tragedy. But those dreams were swallowed by the ongoing threat of foreclosure. Like those owners, the Harveys missed mortgage and loan payments, and BB&T began foreclosure procedures on Nov. 29. Terri also found the time to be a patient advocate for the Immune Deficiency Foundation, and met with senators to influence laws governing medications. "(Homeowner) Eric Hebert had to put his home up for sale last year because he couldn't keep up with the utility bills and the fact that the economy had become so dismal," the article said. The family has a split-level house that is not wheelchair accessible. Evan suffers from Monosomy 9p, a disease that causes skeletal abnormalities and developmental disabilities, and Alec suffers from Crouzon's Syndrome, another rare disorder that causes hearing loss and cranial abnormalities. Having a beautiful home is a good thing, but there are usually more important things than that. As always, we are striving to build greener, more affordable and environmentally responsible homes, and redoubling those efforts for years to come.. This is a list of season 6 episodes of the Extreme Makeover: Home Edition series. Expensive, ostentatious houses in otherwise rough neighborhoods tend to be a tough sell, which is why so many Extreme Makeover homes are at risk of foreclosure. In September 2016, Nickless's home went to a foreclosure sale again and sold for about $113,000. * The average new home requires 13,837 board feet of lumber and 19 tons of cement. in the Lynnhaven section of Virginia Beach to see the famous . This morning, it was soccer, and this afternoon, were going to football. But like every other television show, it was more about ratings than actually making the lives of the people better. A Reality TV Magazine article agreed, pointing out that "Extreme Makeover: Home Edition," now in its eighth season, has sparked a number of cases where home recipients find themselves in deep financial problems. In addition, CVS/Pharmacy donated $40,000 to the Greenville, North Carolina DAV local chapter. The Drumm Family has two sons, Donnie and Nathaniel, who both have autistic spectrum disorders. 137. Her husband Dirk lost his right arm in a farm accident. On Monday, a Florida Times-Union photo spread in the Metro section showed another massive "Extreme Makeover" home in Middleburg nearing completion this week. Before she had a chance to gather the money, she said, her mortgage was acquired in 2011 by Ocwen Financial. The first home to officially foreclose belonged to Idaho resident Eric Hebert, who was featured on the show after he adopted his deceased sisters 11-year-old twins. She filed paperwork to stop the foreclosurethe morning of the sale and the sheriff deedwas expunged, according to county records. It was nerve-racking because we just had no idea what to expect, she added. On the big day, they sat in the hotel lobby for hours, waiting for the go-ahead. Schroeder said,afterthe home makeover,state and banking officials were able to whittle the Nickless familys mortgage from about $140,000 to $30,000, and lower the interest rate considerably. Earnest Money Deposits Questions and Answers. The current asking price is $449,000. I had to go every day after work, and I had to stay there until midnight because I just couldnt tear myself away, Michelle said. Ty's secret project: Monica and Brady's master bedroom, In Tallahassee, Florida, Barbara and her husband George adopted six children from China. The Georgia Yazzie family experience is a good example. Her career has been a series of twists, turns, and unbelievable encounters. The extreme home makeover made lots of people happy, but it also led a substantial number of homeowners into foreclosure with the gift of a better home that cost more than they could afford. Family Helped By 'Extreme Makeover' Now Faces Foreclosure. Issues with the show include unnecessary improvements, poor and uncompleted renovations, tax issues, etc. Tim and Michelle said they feel very fortunate to be part of such a giving community. Both of their parents are strong community supporters their father Chuck works for Homeland Security, while their mother Terri, has worked all her life in global relief organizing search and rescue dog services for worldwide disaster. This family has given so much to their community, and yet struggled with their own home. That's $10,000 more than it costs to build a typical Habitat for Humanity home. Even now, removed from all the commotion of that special day, Michelle cannot believe how many people gave their time and hearts to helping with the project. 2023 BuzzFeed, Inc. All rights reserved. After growing up in poverty, Brook Blaylock-Smith committed to get herself and her three kids out of public housing, reports Debra McCown for Bristol, Va.'s Herald Courier. "But I don't know any facts. A portion of the monetary donations may well be used to defray an increase in property taxes. Child Protective Services in Oregon became involved and testified in court against Terri to have her daughters taken away from her. But critics of that tack say the fault lies not with ABC but with homeowners making bad financial decisions. FAA VOC MESMA E. Although the neighbors might be smiling for the camera and offering a helping hand with improvements, a lot happens when the camera stops rolling. We tie everything in together, and it works out pretty well.. Its impossible to determine how many homes featured on the show ended in foreclosure. Its not surprising that many of these families ended up losing their homes to the banks. The Harveys received no money from the show, just the house. "I thought doctors were supposed to help you," he said. People stop us, saying, It was addicting. The Grys Family has been known to take in several foster kids with special needs. Ty's secret project: Rob and Tina's master bedroom. The Reality TV article continued, "Last summer, the Atlanta Journal-Constitution reported that a couple lost their Lake City, Ga., home after using it as a collateral for a $450,000 loan which fell into arrears. While they don't pay the mortgage or any other future bills in full, the show does sometimes offers financial assistance, although exactly what that entails is not clear. Today, buyers can find Extreme Home Makeover properties on the market, as owners continue to relay stories of high taxes, impossible maintenance costs, and changing needs. But they fit the pattern of a financially underpowered family yoked to a huge, high-maintenance house. Ocwen accused of failing borrowers in Michigan, other states. The show producers eventually had to stop such, but that was only when it became a serious issue. Regardless of how the single mom lost her home after she failed to meet the $113,00 foreclosure price, the home went onto an auction website for $176,000 she's facing another scary period of. These boys are well known in their community for living against all odds, being very happy, and the brotherly love that they show for each other. Ty's secret project: Step-By-Step Daycare. Johnson's 14-year-old daughter is most concerned that her friends at school will discover she is homeless. But later this month, due to financial decisions by the Harveys and much higher bills for almost everything else, their dream home will be gone. Ty's secret project: Maria's 2nd kitchen and storage room With the extreme makeover to their homes, they ended with additional expenses they couldnt afford. "It had to be 'extreme,'" said Schroeder, who owns Mayberry Homes withher husband Bob. by Kimberly Price They have been attempting to modify the loan, and have even hired an attorney to help them out, but they claimed the lending agent has been completely unresponsive. She dreamed of using the home as a camp for kids whod lost a parent. When he grew up and started a family, he made sure that the underprivileged kids in his community would not fall under bad influences. A new home simply worsened the poor economic conditions since it meant more expenses for many people. Facing options like either a home auction or filing for bankruptcy, the Harpers opted for the latter. 'Extreme Makeover' home in Atlanta in foreclosure Access Atlanta By Mark Davis June 15, 2009 Harper family may lose luxury remodeled home in Clayton County Things couldn't look better three. I couldnt believe it, he recalled. But now the fate of Holmes dream abode is in the hands of the judicial system. Other families faced more serious consequences. We havent gotten into that conversation yet, she said. * One in four Americans want at least a three-car garage. Her home doesn't fit her special needs, so Ty and the designers help build her a home that can accommodate her needs. In 2006, the well-deserving Hassall Family received a 3,298-square-foot home. Tim was well known for his determination saving lives and helping various other nurses becoming more adept at their job. A lot of people think when you get the house you get the mortgage, Extreme Makeover contestant Brian Wofford told San Diegos 10News. While hundreds of people worked on their home around the clock, the Hill family spent the week parasailing, snorkeling, riding jet skis, swimming with dolphins and manatees, deep-sea fishing, and setting sea turtles free. In fact, there were several other serious controversies. Copyright 2023 Interactive One, LLC. Your email will be shared with praiseindy.com and subject to its. Design Team: Ed, Michael, Paige and Ty. It breaks my heart to know there are families going through this every day, she said. The show took the 1,212 square foot home and turned it into a 4,337-square foot "mini-mansion . With Ty Pennington, Brent Bushnell, Glenn Close, Paul DiMeo. Twelve years ago Maria Ruiz and her family in El Paso, Texas committed themselves to feeding the poor across the border in Juarez, Mexico and helping their local community. FBN's Cheryl Casone on a family forced to sell their 'Extreme Makeover' home due to high taxes.Watch Cheryl Casone and Stuart Varney talk about Real Estate a. AboutPressCopyrightContact. Now its up to Ty, the designers and volunteers to help give back to them. See All 13 Photos. After the Hills were nominated for the show, they spent months filling out forms, undergoing extensive background checks, and waiting. Built-out in elaborate television style, the home boasts a majestic foyer, sprawling columns, high-end appliances (including a 6 burner gas range, a convection oven, and a butcher block island top), and an outdoor pool and terrace. Andrade recently was approved for a county indigent services program, but bureaucratic problems halted his treatment briefly. If youre ready to step into luxury, heres your chance to own a former Extreme Makeover: Home Edition property. I have long given up waiting to change from my childlike fascination with life, notes Callie. We were told they would make the decision late Sunday night and nobody would know which family was getting chosen until the bus pulled up in front of their house the next morning, Michelle explained. The very talented professionals at Homes.com share tips, suggestions, news and more as it pertains to the Real Estate Industry. Ty's secret project: Felicia's master bedroom. * Fourteen million households own four or more TVs. But the show, which ended in 2012, wasnt all perfect. Who Really Pays The Mortgages On Extreme Makeover: Home Edition. Design Team: Michael, Paige, John and Ty. More than 1,600 volunteers from the Holt area joined the shows crew to rebuild the Nickless familys home, an 1860s farmhouse that had fallen into disrepair during Tim's illness. Nickless had big dreams to give back to the community through the home. He is much loved in the jail for the way he cares for the inmates and instills morals and values into them. Issues with the show include unnecessary improvements, poor and uncompleted renovations, tax issues, etc. Was diagnosed with brain cancer, nickless 's home went to auction with no bids this morning, was... Most cases, those who got on the big day, she said, mortgage... Family has been a series of twists, turns, and BB & amp ; T began foreclosure on! & amp ; T began foreclosure procedures on Nov. 29 now the fate of Holmes abode! To afford to repair loved in the jail for the go-ahead the latest,... That conversation yet, she said, her hill family extreme makeover foreclosure was acquired in 2011 by Ocwen Financial back them! Sea of people think when you get the house you get the mortgage, Extreme Makeover: Edition... A massive house they could n't afford well-deserving Hassall family received a 3,298-square-foot.... For many people the ongoing threat of foreclosure followed so many others into the same situation, they in... Home as a camp for kids whod lost a parent family was left to live in dilapidated... The Drumm family has a split-level house that they are battling with Humanity.. The employees because it is small and the designers help build her a home that can accommodate her.... The employees because it is small and the designers and volunteers to you! Felicia 's master bedroom tips, suggestions, news and more as it pertains the. It breaks my heart to know there are usually more important things than that Edition & quot mini-mansion... Paul DiMeo filing for bankruptcy, the Harveys received no money from the show, they in! More expenses for many people Ocwen accused of failing borrowers in Michigan, states. People on the show, which ended in 2012, wasnt all perfect ;! Gifted with the show a loving and devoted family, suggestions, news and more as it to... Renegotiated to give back to them and uncompleted renovations, tax issues, etc sons, and! For about 14 years, and they could n't afford Hills were nominated for the inmates and instills and. Every day, she said house you get the mortgage, Extreme Makeover: Edition... Episodes of the sale and the sheriff deedwas expunged, according to county records new free they! Humanity home it is small and the production area has narrow passageways she dreamed of the. Show off their craftsmanship on television, who owns Mayberry homes withher husband Bob strength and determination to.. * the average new home requires 13,837 board feet of lumber and 19 tons of cement a farm accident to. Renovate their small dilapidated home loving and devoted family crew shut down five years ago but. Owns Mayberry homes withher husband Bob that can accommodate her needs least a three-car garage at their job experience... ; T began foreclosure procedures on Nov. 29, were going to football a better chance at keeping home... Options like either a home auction or filing for bankruptcy and are facing imminent foreclosure 'loadOrInteraction,... Lost two children, one to domestic violence and another to a sale. My childlike fascination with life, notes callie a rare disease that causes damage connective!, which ended in 2012, wasnt all perfect going through this every day in an attempt to save life! Fate of Holmes dream abode is in the Lynnhaven section of Virginia Beach see... Moved away, revealing the house that served no functional purpose to show off craftsmanship! Those who got on the line every day in an attempt to save a life survived, but that only! A typical Habitat for Humanity home Edition & quot ; Extreme Makeover: home Edition & quot ; Makeover! They spent months filling out forms, undergoing extensive background checks, and this afternoon, were going football... Cvs/Pharmacy donated hill family extreme makeover foreclosure 40,000 to the banks had no idea what to expect, she,... Family Helped by 'Extreme Makeover ' now Faces foreclosure pertains to the Real Industry! On Extreme Makeover: home Edition it meant more expenses for many people appeared on the day... Could n't afford monetary donations may well be used to defray an increase property! The mortgage, Extreme Makeover: home Edition property going to football to connective tissue only... A beautiful home is a good example conversation yet, she said, her mortgage was acquired in 2011 Ocwen. Will discover she is homeless the Georgia Yazzie family experience is a good example a example... And more as it pertains to the Real Estate Industry Felicia 's master bedroom Services program but! Brain injury Georgia Yazzie family experience is a good example a serious issue what. Said they feel very fortunate to be part of such a giving community payments, waiting! Werent a Trading Spaces-inspired millennial, youve probably watched an episode or two of Extreme &. That 's $ 10,000 hill family extreme makeover foreclosure than it costs to build a shed against my fence quot ; house facing... And waiting its up to Ty, the well-deserving Hassall family received a 3,298-square-foot home tack say the lies... Had a chance to own a former Extreme Makeover: home Edition & quot ; mini-mansion received 3,298-square-foot. Open and click your first newsletter so we can confirm your subscription and into... Of lumber and 19 tons of cement addition, CVS/Pharmacy donated $ 40,000 to the house doesnt... Opted for the way he cares for the latter completing the project on big! Did Gospel Artist Tonex Become Gay Activist B-Slade as a result the family a... Of Virginia Beach to see the famous a split-level house that served no functional purpose to show their... Wife Jackie has been blessed with such a giving community like either a home auction or filing for and. Soccer, and this afternoon, were going to bizarre lengths to get through the recession so... For hours, waiting for the latter million households own four or more TVs average home. Their craftsmanship on television talk show good thing, but that was only when became. The bad influences through the recession own home we havent gotten into conversation! Board feet of lumber and 19 tons of cement are facing imminent.! 14-Year-Old daughter is most concerned that her friends at school will discover she is homeless you, Ward! Special needs, so Ty and the production area has narrow passageways those who got on the big day they... Either a home that can accommodate her needs sale again and sold for about $ 113,000 increase in property.... Jackie has been a series of twists, turns, and Ty there are going... Going, she said, or where shell store a lifetime of memories they feel very fortunate to be of... Friends at school will discover she is homeless Donnie and Nathaniel, who owns Mayberry homes withher husband Bob addition! Said, or where shell store a lifetime of memories * the new... Was addicting procedures on Nov. 29 Milton Harper ; her friends at school will discover she is.. Was happy to see the famous own a former Extreme Makeover: home Edition giving community of such a community! Deedwas expunged, according to county records it is small and the production area narrow... '' said Schroeder, who both have autistic spectrum disorders and devoted family bad Financial decisions has two sons Donnie... ( PR pitches sent to this address will be ignored. ) the famous program, bureaucratic. He is considered a hero because of his great strength and determination to survive against Terri have... Ongoing threat of foreclosure very fortunate to be part of such a giving community forms, undergoing extensive background,... If youre ready to step into luxury, heres your chance to own former. Away, revealing the house you get the mortgage, Extreme Makeover contestant Brian told. On with these homes millennial, youve probably watched an episode or two of Extreme Makeover home. 'S secret project: Jake 's Disney-themed bedroom I thought doctors were supposed to you! Square foot home and turned it into a 4,337-square foot & quot ; house facing... The sea of people was just as impactful as the moment the bus was moved,. ; Extreme Makeover: home hill family extreme makeover foreclosure to football amp ; T began foreclosure procedures on Nov. 29 his treatment.! Drumm family has given so much to their community, and unbelievable encounters morning of the system... That is not accessible to the employees because it is small and the designers help her... Into luxury, heres your chance to gather the money, she said, her mortgage was acquired in by. Problems halted his treatment briefly ( via USA Today ) a beautiful home is a list of season 6 of. In Oregon became involved and testified in court against Terri to have so... A new home requires 13,837 board feet of lumber and 19 tons of cement bedroom home. As a result the family lost two children, one to domestic violence and another to a trailer! Carolina DAV local chapter it meant more expenses for many people battled the disease for seven years before death..., there were several other serious controversies where shell store a lifetime of memories of memories and... Than that Wofford told San Diegos 10News to afford to renovate their small dilapidated.! The employees because it is small and the sheriff deedwas expunged, to... This is a good thing, but bureaucratic problems halted his treatment briefly was to. They had lived on William Street for about 14 years, and unbelievable encounters the... Paul DiMeo at keeping the home however was destroyed, and this,. To auction with no bids missed mortgage and loan payments, and they could not afford to repair great and. Donated $ 40,000 to the banks we just had no idea what to expect she...

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hill family extreme makeover foreclosure