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How long does a typical short sale take in Maryland?
The short sale time-line is completely subject to your Lender(s). We are fortunate that in Maryland , finding a buyer for a well priced home is not too difficult. So the time lapse for a short sale is always in your lender's hands. Many banks are overwhelmed right now with short sale requests. Unnecessary delays can be avoided by sending a complete short sale package. This is the key. A complete short sale package. I can tell you that many incomplete offers are often passed over or rejected (5 comments)
Can an owner profit from a Short Sale? - 08:48 PM
Can an owner profit from a Short Sale? The seller cannot profit monetarily from a pre-foreclosure short sale period. But the key word here is "MONETARILY" Meaning that the benefits the seller will get from a short sale far exceeds the value of a few thousands of dollars at closing. Be aware that a deficiency judgment against the owner if the property goes into foreclosure could be hundreds of thousands of dollars that could be averted in a short sale. One of the main requirements from lenders when approving short sales is that a short sale must be an arm’s-length transaction. What (7 comments)
What qualifies as a hardship in a SHORT SALE? - 09:01 PM
What qualifies as a hardship? There are many reasons and situations which might create a Financial hardship which may be acceptable to a bank when doing a short sale. Here are just a few: Mortgage rate adjustment Increase in monthly expenses Need to move becuase of your job Reduced Income Unemployment Health issues Separation or Divorce Medical Bills Business Failure Business cutbacks or downsizing Death of a Spouse A valid reason you are unable to make your mortgage payment Essentially, in order to prove a hardship, you must show that there (3 comments)
When will I be able to buy another home after a short sale? - 09:18 PM
When will I be able to buy another home after a short sale? When will I be able to buy another home is I short sale my house now? If you are completing a Short Sale and your loan was a FANNIE or FREDDIE held mortgage. . then you will have to wait at least 3 years before they will accept a loan on your behalf. "borrowers who execute a short sale while in default on their mortgage are not eligible for a FHA-insured mortgage for three years from the date of the sale. Lenders, however, can make exceptions if the default (2 comments)
What effect will a short sale -vs- a foreclosure have on my credit? - 09:44 PM
What effect will a short sale -vs- a foreclosure have on my credit? Foreclosure could remain on your credit for up to seven years while a short sale usually gets reported as a “settled debt” and is significantly less damaging on your credit. With a completed short sale, your FICO score will not be as negatively impacted as it would be with a foreclosure, that has been proven over and over again. . and that fact will help you get into a new home much sooner as well. Herboso & Associates is not a credit counseling agency, but credit experts in (5 comments)
Cincinnati Real Estate Investors Use Home Staging To Sell Quickly! - 07:01 AM
We've been working a lot lately with Cincinnati Investors and staging their wonderful rehabbed properties. Investors are near and dear to my heart as my husband and I have invested in real estate for the last 14 years. I understand the process these Investors go through completely from finding those diamonds in the rough, the entire rehab process to the final product. I've always called the staging of these newly renovated homes the "Icing On The Cake". The staging is what turns these properties into warm and inviting homes that potential buyers fall in love with. Sometimes (11 comments)
Become Mayor with Foursquare - 04:42 PM
You've got a Facebook page. You're tweeting on Twitter. You're establishing business connections on LinkedIn. (Right?) There's only one more thing you need to do: Become Mayor of your hometown?! I'm not kidding. Among the newest social media kids on the block (that I want to highlight today) is Foursquare. This internet application allows you to explore and document the places you go in your neighborhood (and beyond) in a different and fun way. "Check-in" with Foursquare to tell where you are. Leave tips about your favorite places for your friends (and others) to read about later. Earn points and unlock (2 comments)
Excuse makers get very creative in justifying why they cannot keep their commitments. That justification almost always will not hold water when questioned. Are you late to meet clients due to traffic, but you know that at 4:30 on Stateline Drive, the traffic is terrible, and you need to either leave early or take a different route... but you didn't plan that into your schedule? Is that 20 pounds still sticking to your body because your metabolism has changed, but you know that exercise will increase your (3 comments)
Excuse makers get very creative in justifying why they cannot keep their commitments. That justification almost always will not hold water when questioned. Are you late to meet clients due to traffic, but you know that at 4:30 on Stateline Drive, the traffic is terrible, and you need to either leave early or take a different route... but you didn't plan that into your schedule? Is that 20 pounds still sticking to your body because your metabolism has changed, but you know that exercise will increase your (4 comments)
You will get all you want in life if you help enough other people get what they want. Zig Ziglar
I am a Zig Ziglar fan, tried and true. In fact, his book "See You At The Top" was the textbook used for a class of 8th graders in a local school when I was teaching. It is important to teach this concept to our youth! Photo courtesy of Flickr User adria.richards
The first month of 2010 is behind us and the numbers for my area and surrounding communities are in. This is just a sampling of results for the following towns & cities: Aurora, Montgomery, Naperville, Oswego and Yorkville. I have included bank owned (REO or foreclosures) and short sales. Only detached and attached homes are listed or single family homes and condos/duplex/townhomes. The most obvious trend is the increase in Bank owned properties compared to 2009. Some increases in closed in most of the towns compared to 2009. Bank ownd properties are usually on the market for less time than (3 comments)
Cute & adorable home in prestigious Boerne Schools. Open Floorplan with decorator colors. Ceiling fans can be found in all living areas and bedrooms. Fabulous whirlpool Jacuzzi tub in Master Bath and Elfa Closet in Master! Enjoy the low maintenance landscaped front and back yard. Rocking Chair Porch, large back patio and flagstone walkway complete this home. Outlets under the eaves for easy access to plug in lights. Washer, Dryer, & refrigerator in kitchen convey. Property is located in The Villas of Hampton, MLS#819216 $137,500 (2 comments)
Do You Care What Your Blogger Buddies Think Of You? - 11:31 PM
Do You Care What Your Blogger Buddies Think Of You? A good question to ask especially on Active Rain where many who read your blog posts are peers in your industry. Granted many external consumers read Active Rain as well. But what image do you put forth? What about religious or political views? Moral stands, lack of morals, too much information in other parts of your life. For the most part when bloggers have met in person they feel like they have known each other even prior to meeting. There are other instances where the "real live" person is far worse (64 comments)
Quote for the Day ... or Night.. :-) Have a great week! - 03:29 AM
What is true passion?? "True passion is not a matter of gritting your teeth and forcing yourself to take action. True passion is allowing all your words, thoughts and actions to resonate with who you most authentically are!!!". .... unknown I have a passion for life, I have passion for helping others and I have a passion for my family to always stay close together. In life, we make our own destiny and we make our own happiness. I try to live every day as if it's my last, therefore, I LIVE for the MOMENT. Have a great week everyone! and (3 comments)
OPEN Houses and What Agents are saying about them.... - 03:48 AM
I find it so interesting what my colleagues are sharing on Linked In about OPEN houses. Some say they absolutely love holding them, others say they don't work. I read the discussion for every single agent and here is my thought orcomment on OPEN HOUSES. "I truly believe that it all depends on the area you're in. NY, Chicago and other areas seem to do very well with open houses. I usually do AGENT luncheons instead of OPEN houses to the PUBLIC. You get a lot of people usually on Sunday after church that are just lookers never intending to buy. (2 comments)
I would love to have an opinion from my colleagues... - 03:59 AM
I have always looked at real estate and being a Realtor as something of a deserved and earned position and treated my profession with the utmostprofessionalism. Social media and Social Marketing are changing the way things are donethese days. I guess ANYTHING and EVERYTHING goes. People dress theway they want to, they say what they want to and they do whatever they want to. Since I always try to adapt and be reasonable about things, I have a dilemna here. I was told that you should NOT WEAR a MASK on thesocial media. You should allow your clients to see you (7 comments)
Smart Choice Carpet: Success Story of Polish Immigrants Making Omaha Their Home - 07:03 PM
Smart Choice Carpet: Success Story of Polish Immigrants Making Omaha Their Home Smart Choice Carpet Outlet at 6664 L St. sells and installs all types of residential and commercial grade flooring, including carpet, vinyl, tile, laminate, and hardwood. The featured product brands include Mohawk, Shaw, Beaulieu-Coronet, Mannington, Domco, Tarkett, Quick-Step, Kraus, and Kentwood. Smart Choice offers the same name brand products as competitors however due to their lower overhead they are able to pass the savings on to their customers. Raminta Urbonavicius, their in-house designer, can assist in making product decisions for any type of project. On top of that they (2 comments)
Yes - You CAN Invest in Cape Coral Real Estate - 08:10 AM
With the ‘pop' of the housing bubble, many investors in Cape Coral real estate put a hold on expanding their portfolios. Risk, that four-letter word, was the topic of every conversation. However, smart investors know they can still buy real estate and make a profit. Short-term vs. Long-term InvestmentsEven now, Cape Coral real estate can be a short-term or long-term investment. Let's take a moment to examine the market: · There is still at least a seven-month supply of homes. · More foreclosures are hitting the market, potentially driving down the prices of homes. · Lenders have become stricter with their lending guidelines. • Many (0 comments)
Announcement - SOLD & Closed! - 459 Bentwood Lane, - 01:20 PM
Announcement - SOLD & Closed! Your Choice Real Estate is pleased to announce the successful closing of our listing at 459 Bentwood Lane, Orange Park, FL 32073. The sellers listed the property with Kim Wakenshw (904-278-7000) of Vanguard Realty. The deal closed on 1/29/10. The original asking price was $99,900 and the final sale price was $99,900 representing 100% of the list price. The home was listed on August 11, 2009 and went into contract in 120 days on December 17, 2009. This is shorter than the national and regional average DOM of 209 days. The buyer was represented by Phillip Jones (904-298-2679 ext. 501) of Your Choice Real Estate of (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.