Orlando Short Sales: What Does I Mean When The Bank Says File Is Going To Investor Soon? - 03/30/11 05:31 AM

Orlando, FL – The Stop Foreclosure recently received a question from Georgia E. Here was her question. " When the bank says the file should be going to an investor soon what does that mean?" Georgia E.
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Here is the answer. It means that whoever ultimately owns the loan will make the decision. For example, you might be negotiating the short sale with … (0 comments)

How Will An Orlando Short Sale Or Loan Modification Affect My Credit Score? - 03/29/11 05:49 AM
Orlando, FL – How do foreclosures, loan modifications or short sales affect a credit score? Your credit score will be affected by late mortgage payments and a short sale.
However, there are 2 things that are considered horrible on your credit report. Those 2 are items are foreclosure and bankruptcy.
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A foreclosure or bankruptcy will almost immediately lower a credit score by around … (0 comments)

Orlando Home Sellers - Don't Walk Way - 03/28/11 10:56 AM
Orlando Home Owners, there is a better way to solve your upside down mortgage situation.  I know it may seem as a fast and easy way. There is always the HAFA solution Home Affordable Foreclosure Alternatives and more can be found on the  Orlando Short Sales Realtor website. Please check out your alternatives to deal with this before walking away. As an Orlando Realtor I have helped many people over the years in the short sale of homes.  
 
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How To Preserve Your Credit During An Orlando Short Sale - 03/28/11 03:42 AM

 
 
 
Orlando, FL – If the right decision for you and your family is to sell the house as a short sale, then the sale will have an immediate effect on your credit score.
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You might feel like it’s just overwhelming and demoralizing to see your credit score take any more hits! But, here’s the silver lining: according to most experts, … (2 comments)

Should I Continue Paying My Credit Cards During An Orlando Short Sale? - 03/23/11 05:15 AM
Orlando, FL – The Stop Foreclosure Institute recently received a question from Paul. Here is Paul's Question. "I am selling my house as a short sale. I am behind on the mortgage payments. Do you think I should still pay my credit cards?" Paul.
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Here is our answer. It all depends on what is important to you. Can you afford your mortgage payment if … (1 comments)

Orlando Short Sales: Why Lenders Back Off When Threatened With Bankruptcy - 03/22/11 05:25 AM
Orlando, FL – Bankruptcy is one of the scariest words a lender can hear. A bankruptcy filing can stall their ability to foreclose by 6 months, and sometimes as long as a year.
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The lenders know that most bankruptcies will cause them to lose the ability to pursue you for any losses. This means they can’t go after you for any upside down debt.
The … (1 comments)

Condo Vue 150 E ROBINSON ST # 710, ORLANDO Fl 32801 - 03/22/11 04:18 AM
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Mount Dora Homes for Sale 5941-Coquyt-Dr-Mount-Dora-FL - 03/21/11 09:35 PM
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How To Get Your Loan Mod Approved When Negotiating With A Local, Orlando Lender - 03/21/11 07:09 AM

Orlando, FL – In my opinion, loan mods are very tough to negotiate with large lenders like Bank of America, Wells Fargo, JP Morgan Chase, or SunTrust. The reason is because you are treated like a number.
In addition, in most cases the lender doesn’t own your loan. Someone else does. So when they negotiate with you, it is simply to go thru the motions.
Click here to find Orlando Short Sale, Orlando short sales, Orlando short sale realtor, Orlando short sale homes, short sale Orlando, Orlando fl short sale, Orlando foreclosure, Orlando foreclosure assistance and Orlando fl short … (0 comments)

Orlando Short Sales: Another Example Of Lenders Attempting To Abuse Their Powers - 03/18/11 04:38 AM
Orlando, FL – The Stop Foreclosure Institute recently received a question from Durry. Here was Durry’s Question. "We have American Home Mortgage Servicing, a loan processor for a Mortgage held by Deutche Bank, adding a 1% “processing fee” that ONLY the buyer can pay at closing. This was never revealed until we received the short sale approval letter. The buyer is upset.” Durry.
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Here … (0 comments)

Orlando Short Sales: A Little Known Fact About Short Sale Negotiators - 03/17/11 04:13 AM
Orlando, FL – A negotiator at a large bank tried to mislead a Stop Foreclosure Institute Member. She really got on our nerves.
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You see, we've spent the last few years figuring out all the guidelines for short sales. If the loan being shorted is an FHA Loan, VA Loan, Fannie Mae Loan, or Freddie Mac Loan, then the guidelines for the short sale … (1 comments)

Orlando Short Sales: How One Agent Overcame The Odds - 03/16/11 03:09 AM

Orlando, FL – Sometimes it seems like short sales are tough. “Don’t try to short sale your house. Short Sales never go thru”, people tell you.
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This isn’t true. Here is how one agent beat the odds and succeeded with a short sale.
A member of the Stop Foreclosure Institute told me about a short sale he recently worked on. Here is the … (1 comments)

The Perfect Orlando Neighborhood - 03/10/11 02:41 AM
When you discuss buying property, the expression "location, location, location" usually springs to mind, and that is so true. While it is not uncommon to consider the type of house you want first when you are looking for your ideal home, did you know that finding a suitable neighborhood is even more important? If you simply hunt for a perfect home in Orlando without considering the right neighborhood, you may regret it later. It may develop into a potential challenge for you in the long run, to say the least.
Before you decide on a new neighborhood, here are some things … (1 comments)

Why Orlando Short Sales Sell For A Higher Price Than An Orlando Foreclosure - 03/09/11 04:15 AM
Orlando, FL – People often wonder why their lender will release their debt in a short sale. Most lenders don't like to release the debt. But, they agree to do it because they know that policy nets them more money. They net more because a home usually sells for more money as a short sale versus after it has been foreclosed upon. Let's go thru a few examples.
Click here to find Orlando Short Sale, Orlando short sales, Orlando short sale realtor, Orlando short sale homes, short sale Orlando, Orlando fl short sale, Orlando foreclosure, Orlando foreclosure assistance and Orlando … (0 comments)

Orlando Short Sales: This Short Sale Negotiator Isn't Doing His Job - 03/08/11 02:40 AM
Orlando, FL – Here is a question that the Stop Foreclosure Institute recently received. "I am in the middle of a very long negotiation with Chase. The seller had me to put a clause into the contract stating “upon approval of short sale by sellers’ lender, lenders, & or affiliates, client, or heirs will be released from any monetary shortages or deficiencies from said sale of stated property upon successful closing and transfer of title from that date and forevermore.”
The short sale negotiator at the lender, Nathan W, has advised me that he will reject the file and close it … (0 comments)

The Expert's Guide To Finding A Home In Orlando - 03/07/11 01:29 AM
Orlando, FL - Getting in touch with a qualified and knowledgeable real estate agent in Orlando is one of the simplest ways to get started when you begin looking for a home in Orlando. You may easily lose your focus if you only surf real estate websites on the Internet that exhibit stunning pictures of homes and make them appear like beautiful palaces. By only looking at pictures depicting Orlando homes for sale, it is possible for you to get swayed into making a rash buying decision since the homes may not be as good as they look. The home may … (1 comments)

Orlando Short Sales: Why It Is Cheaper To Short Sell And Rent Versus Staying - 03/04/11 03:59 AM
Orlando, FL – Many people are shocked that it is often cheaper to short sale and rent that staying in your home with a loan modification.
They find it hard to believe that they can rent a comparable or even nicer home for less than their mortgage. Here are the two factors that make it possible.
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Many homeowners bought homes for more than they … (0 comments)

Orlando Short Sales: The Home Ownership Rate Continues To Drop - 03/03/11 03:31 AM

Orlando, FL – Barron’s Magazine recently had an article titled "Renter Nation." In it, they detailed the various factors at work that will reduce the home ownership rate in America.
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The home ownership rate has already dropped from 69.2% to 66.9% today. Here is one of the factors Barron’s said would cause the home ownership rate to drop. Experts project that the average … (0 comments)

Orlando Short Sales: What Is HUD-1 And Why Does It Matter On A Short Sale? - 03/02/11 03:36 AM

Orlando, FL – Here is something that drives inexperienced short sale agents crazy. It is HUD-1, also called HUD. HUD is the Federal Agency, the Department of Housing and Urban Development, also called HUD. An HUD-1 is a document regulated by HUD. It is the financial accounting for a real estate sale.
Here is why it is important to a short sale:
Click here to find Orlando Short Sale, Orlando short sales, Orlando short sale realtor, Orlando short sale homes, short sale Orlando, Orlando fl short sale, Orlando foreclosure, Orlando foreclosure assistance and Orlando fl short sale realtor. … (1 comments)

The Benefits Of Being an Orlando Short Sale Agent - 03/01/11 05:25 AM
Orlando, FL - There are many different reasons why people go into the short sale profession in Orlando. There is great money to be made in this profession, but that is only one of the many reasons people choose to play the game. Other reasons include skill building, community building, quantity of real estate acquired and effort put in. These reasons are explained in detail below.
Skill Building
Being an Orlando short sale agent is not a monotonous job by any means. It requires many different skills within a variety of different social environments, which promotes creativity and problem solving skills. … (0 comments)

 
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Gitta Urbainczyk

Orlando, FL

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Gitta Sells & Associates at Keller Williams Heritage Realty

Address: 100 Waymont Ct. #110, Lake Mary, FL, 32746

Office Phone: (407) 330-2181

Cell Phone: (321) 303-3349

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