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So it has arrived...Sunday - Super Bowl Sunday. I have been seeing the hype about commercials all week. I think I may have even watched a Super Bowl's Greatest show one night.
It looks like Century 21 is going to invest a few dollars in the advertising as well - great!
I enjoy the watching the ads but I think I will enjoy seeing the Patriots lose even more! Via Monique Hailer (CENTURY 21 New Millennium):
Please Join Us for SUPER BOWL XLVI on Sunday 2012 ! CENTURY 21 will dominate the evening with 11 commercials airing during the pre-game show on NBC, leading up to the airing of the game-time commercial during the 3rd quarter. Watch Steve Dangerfield as he tries to find out about the BIG AD!
See a glimpse of what the The 30-second spot, to run in the third quarter, featuring Donald J. Trump, Deion Sanders and Apolo Ohno.
Century 21 Real Estate LLC, the franchisor of the world's largest residential real estate organization is proud to reveal our first ever Super Bowl commercial titled
"SMARTER. BOLDER. FASTER. The Spirit of the CENTURY 21 Agent".
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
 
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
This list of questions and answers must be a top ten list for questions for most considering a short sale.
There are ten questions here, right? I know they are all numbered 1!
Via Bryant Tutas-Tutas Towne Realty, Inc:
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Do I have to be behind on my mortgage payments to qualify for a Short Sale?
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Not necessarily. Some lenders will negotiate a settlement if you are current on payments. You won’t really know until you go through the process. If you are current on payments the lender may very well require you to “participate in the loss” by making a cash contribution, signing a promissory note or both.
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What is a deficiency and how do I avoid it?
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What happens to the deficiency?
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The deficiency can be waived, written off, paid later, settled or the lender can, at least in Florida, choose to go in front of a Judge and ask for a Deficiency Judgment against you.
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What is a Deficiency Judgment?
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A Deficiency Judgment is when a Judge issues a Judgment making you personally responsible for the deficiency and giving the creditor the right to go after you for the money you owe. In Florida the creditor has 5 years from the creation of the deficiency*** to ask for the Judgment and another 20 years to collect on it if granted. To collect they may take assets, levy bank accounts and garnish wages. ***Please seek legal advice on this matter.
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Will I have to pay taxes related to the short sale?
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How will a Short Sale affect my credit?
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How credit scoring works is one of the great mysteries of the universe! The Short Sale itself is not reported as “Short Sale”. Missed and late payments are reported. Also, how the transaction is reported makes a difference. Is it reported as “settled..”, “paid...”, “charged off..”? And have you been paying your other bills? There are just too many variables to be able to give you a precise answer. If your credit score is important to you then my advice is to make your mortgage payments.
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What advantage is there to doing a Short Sale over just letting the lender foreclose?
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How long will the Short Sale process take?
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Will my Short Sale be approved and closed or am I wasting my time?
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We close more than 90% of our Short Sales. As long as you participate, by providing me what I need, when I need it, then yes, your Short Sale will be approved and get closed.
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When will I have to vacate the property?
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Who pays your commission?
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The listing agreement is between you and I. So legally you are responsible for paying my commission. However, just as in a regular transaction, the costs of the sale are deducted from the purchase price. This means the buyer brings money to purchase the property and we pay everything out of that. The lender gets whats left. You pay nothing. Unless it is required by the lender and you agree to do so.
Additional information:
I hope this helps. Please feel free to contact me with any additional questions you may have.
Are you facing foreclosure in Florida?
Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.
Tutas Towne Realty has already successfully negotiated Short Sales with the following Lenders and Investors.
Chase Short Sale,Sun Trust Short Sale, GMAC Short Sale, Wells Fargo Short Sale,Bank of America Short Sale,USA Bank Short Sale,PNC Bank Short Sale,Citi Short Sale,HomeEq Short Sale,Fifth Third Bank Short Sale,ING Direct Short Sale,GreenTree Short Sale,Capital One Short Sale,ASC Short Sale,First Horizon Short Sale,E-Trade Short Sale,Transland Financial Short Sale,US Bank Short Sale,IBM LBPS Short Sale,
Nationstar Short Sale,BAC Florida Short Sale,Real Time Solutions Short Sale,Fannie Mae Short Sale
FHA Short Sale,Selene Finance Short Sale,DTA Solutions LLC Short sale,Flagstar Short Sale,IndyMac Short Sale
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
Richard has put a large lesson in a short post here. We all need to read this one!
You should never respond to someone's report of medical issues by telling how you just ran that half marathon!
Sellers facing hardship. People we know going through bankruptcy. People losing their job. Calamity can strike anyone.
Empathy is a good thing.
One day we may (likely) will be the one on the other side.
Via Richard Weisser Coweta Fayette Real Estate:
 Some things should be common sense. If someone tells you that business is slow, or that they are having trouble making ends meet, the best response may NOT be something along the lines of “oh really? I am having my best year ever.”
How much better would it be to say something like “I’m doing okay, is there anything I can do to help you get things going again?”
People that are hurting need support and not a reinforcement of their failures. Not everyone has adapted quickly enough to the current market to maintain the same level of business as in the past.
There are ways to help that may be mutually beneficial. Could an experienced agent be a useful addition to your team? Is there some way that your combination of lead generation and another agent’s people skills be a profitable match?
Empathy can only take you so far. Working towards a real solution can take you the rest of the way!
And it could be both cathartic and lucrative!
    
 All content, including text, original art, photographs and images, is the exclusive property of Coweta Fayette Real Estate, Inc., and may not be used without the expressed written permission of Coweta Fayette Real Estate Better Homes and Gardens Metro Brokers, Newnan Georgia. All information is believed to be accurate but is not warranted, Copyright 2003-2009. Richard Weisser REOS, E-Pro. licensed Auctioneer. 770-827-6225.
Learn more about Coweta County and Fayette County Georgia Real Estate, and to search the entire Georgia MLS for free with no registration required visit CowetaFayetteRealEstate.com! Photos of the Great Smoky Mountains National Park. North Georgia Photos.
North Georgia Photos
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
There is nothing new on this list. This list is not unique but it does contain information that can not be repeated and emphasized too much.
Selling a home is work - for the seller and their Realtor®. If there was only a single point I would emphasize from this list it would be cleanliness.
A property that is pried right, clean and presentable will sell.
Via Mike Montague (sales representative : Sutton Group Incentive Realty Inc.):
11 Tips for Selling Your Home Faster
There is nothing new on this list that hasn't been emphasized in a number of earlier blog posts but good advice is always worthy of restating. Here are 11 tips to help you sell your home faster:
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Curb appeal – Keep falling leaves and dead shrubs out of the yard! You don’t want a potential buyer’s first vision of your home to be negative (“look how much work it’s going to be to keep up this yard”).
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Front door – At the very least, make sure it’s clean. You may want to replace or paint the front door as this is your potential buyer’s first up close look at the property. Make sure storm doors are clean and that all locks and door handles are tight and functioning. A loose or broken lock gives the wrong impression from the get-go.
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Light – Make sure you home looks spacious and light. If you have darker areas in the house, buy additional lamps for those spaces. Put in full wattage bulbs (check the tag on the lamp neck for maximum allowable wattage) and make sure all bulbs in the house work. When the house is being shown, have ALL lights on, even closet lights and the one over the stove. Light and bright makes your home much more desirable.
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Windows – Open drapes and blinds to let in as much natural light as possible. Take down all worn, torn or broken blinds or drapes. Bare windows look far better than windows with torn or dirty treatments. And make sure windows are clean. Clean windows let in more light, improve the view on the other side, and make the rest of the house feel cleaner.
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De-personalize – You want buyers to see themselves and their family living in the house. It’s important to take down family photos, trophies, collectibles, anything that makes them see this as your home, not theirs.
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Smell / fragrance / odor? – This will be the first thing prospects notice when they walk in. You certainly don’t want the house to smell musty or like last night’s dinner. Scrub well and you may want to consider lemon scented cleaning products and/or burn vanilla scented candles.
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Clutter – No. None. Clean out, throw away and store everything that you can. Now’s the time to get rid of things you don’t want, but don’t replace them! Much better to have your home look open and spacious. You don’t want it to feel crowded or your buyer gets the impression that there won’t be enough space for their things. If you have a lot and can’t get rid of the excess, rent a storage building and take out more than you think you should. You may find you actually enjoy the extra space.
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Bathrooms – Remove everything you use – yes, toothbrush, toothpaste, hairbrushes and combs, razor, shampoo, bar soaps, make-up, everything out of the shower and off the vanities. The bathroom should be so clean it sparkles. Hang a new shower curtain – clear or white – and leave it open so the bathroom looks larger. Make sure all light bulbs are working and the highest wattage possible. No one likes a dingy or dirty bathroom.. It’s best to install new toilet seats (very inexpensive) and, if necessary, new faucets and shower-heads. Clean all grout. Great grout cleaners can be found at home improvement stores.
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Kitchen – Remove everything from counter-tops to make the space look as large as possible. Scrub all appliances until they shine. Take everything off the refrigerator – notes, photos, magnets, everything. Make sure cabinets and doors are free from fingerprints. Dated hardware? You can really spruce up your cabinets by replacing the knobs. Check out Habitat for Humanity stores for great deals on cabinet hardware.
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Bedrooms – Neat, clean, beds made, and eliminate clutter. Removing an extra nightstand or dresser may do wonders for increasing the visual space of the room.
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Closets – In every room of the house, clean out closets by throwing out or passing on anything not still being used. Make closets look as large as possible by leaving at least 30% of the space vacant. If necessary, pack up and store what you don’t need now. When buyers open doors, you want them to see plenty of closet space in the home.
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
 Many real estate agents are busy so they have assistants to coordinate the little details. And with so many short sale transactions there can be a lot of coordination and follow up required.
I am attempting to work a short sale transaction right now.
After submitting the offer I contacted the listing agent and was advised the short sale offer would be signed off on by the seller we will let the bank decide.
[Letting the bank decide is not what I consider to be the best approach especially in this case where I really expected a counteroffer.]
Included was a “by the way, here is my assistant's information, she will be handling the paperwork.”
Almost a week later – a day after the response deadline- the property has been changed to contingent. This is good if my buyer’s offer was the one that caused the change. Still I have no signed contract.
I called the seller's agent and find out the seller may have had a few questions or issues. She will contact the seller and get the signed contract to us.
At the end of the conversation was another “by the way, “Didn’t I give you my assistant's contact information?”
[I know this means don’t call me. I am OK with that, really. I understand.]
Still, after three, four or five emails with no response I had to call you. I do not believe the real estate agent was aware of the lack of response.
And finally a couple of questions to consider...
(1) If it were a standard transaction with a 30 day closing would you be leaving it all to your assistant to ensure all was done in a timely manner? If not, why?
(2) How often should a real estate agent check in with their assistant/support staff to get a report on the progress of transactions?
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
 It was January 12, 2007 when I activated my real estate profile on ActiveRain. I did not make my first comment until March 4, 2007 – one of those lurkers I guess!
So after five years what have I accomplished? I am not talking about all the points. Well, not that many as I have just slightly above 600,000.
The biggest thing I have accomplished has been the knowledge I have gained. I will admit ActiveRain is an excellent source for learning all about blogging, SEO and real estate practices/skills.
For that knowledge I am, and will always be, forever thankful. Using that knowledge I have been able to write a few other blogs that seem to outrank my AR blogs.
I have been inspired by some of the professionals I have met along the way. Many have given me encouragement and some have even given me business!
And some have become lifelong friends! And then some I (we) have lost along the way to tragic diseases.
I have been motivated by some. I have been made to feel sorrowful as I empathized with losses and personal tragedy experienced by ActiveRainers!
I have been ricked off a bit by one or two along the way! I have been been cheered on by many.
I have been puzzled by many who in their comments have failed to recognize my sarcasm!
And, last but not least, I have been entertained by some! The variety of characters on ActiveRain has been truly educational worth the price of admission!
In the words of the great American, Bob Hope…”Thanks for the memories.” Now, where to?
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
 The January 2012 ActiveRain challenge asked a simple question... How do your feelings about trust impact your business or your life?
Trust is defined as "firm reliance on the integrity, ability, or character of a person." In life trust should be a normal expectation.
In real estate trust should likewise be an expectation. But these are not the same levels of trust - if indeed either truly exists (cynical thought, for sure).
Blind trust is, in my opinion, the greatest level of trust - and also the most dangerous.
It is the level of trust we all seek in our personal relationships –especially with the ones that matter most.
Roger Mucci had a good post recently on trust even when family is involved (Trust…..We all know that “curiosity killed the cat”, I had to ask……).
June Tassillo of Franklin NC wrote a post as well that touched on trust. In this case it involves the real estate business.
Trust should be a condition of doing real estate for a living. It is simple - an obligation to do the right thing all the time.
Personal pride should make this a non-issue. But, sometimes due to self interest this is not always possible (did I mean to say greed or selfishness?).
As for the question posed in the first sentence, here is my response.
In my day to day life I never say the words "Trust me." It is a given when dealing with me.
This post is a submission to the ActiveRain / Adobe EchoSign Trust Contest. I could possibly win a prize. You can find out about the contest by clicking here
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
I am not referring to loss on the sale price of your home but rather, I am talking about minimizing the chance someone may get injured while viewing your home for sale in Brevard County, Florida (or any other place!).
Before you list your home for sale take a good look around your house from a child's perspective.
 Even if you have no children think about potential buyers who do have children accompanying them as they view homes. And, although I am no lawyer, you do not want to have something happen to anyone on your property - selling or not!
Do not leave toxic within reach of small hands. I know you are thinking that the children should be under control at all times but I have witnessed it – they aren’t always!
 If you have firearms, secure them with some sort of locking device or better yet, remove them. I can recall the times I have shown homes and seen rifles propped against the wall in a closet or under the bed. I don’t know if they were loaded but still, why have them there?
And think about your furniture layout and lighting. Maybe you should leave more lights on?
And think about the calm dog of yours who is friendly and only barks!
And do not forget about the exterior...any holes or low areas in the lawn? What about the garden hose on the ground?
Risk reduction and management is a key component of any business. Selling your home is a business transaction you are part of.
I have heard many times "It is not if you will get sued but when!"
Protect yourself by managing risk exposure. Sure, they may sue your real estate agent but they may sue you as well... besides no one needs to get injured when it is preventable!
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
This is it…my short list. This simple list contains six seven things I am not wishing for in 2012 and one I am wishing for in 2012.
But which is “the real thing” (sorry, Coca Cola)?
- Kim Kardashian gets a real job!
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Real Housewives of wherever become justhousewives of wherever!
- Justin Bieber gets a haircut.
- Congress gets a raise for a job well done!
- ActiveRain starts charging all of us monthly fees.
- Political debates become prime-time TV rage.
- Legal voting age for Congressional elections becomes eight years old because children should be able to vote for their peers.
- May success and happiness come to all of those who read this short list!
For the most part I could care less about the items listed above…except for the last one. Stay safe, be prosperous and happy in the coming year!
And now I must get back to my real task before I let myself get distracted...working on my plans for selling more homes in Brevard County, Florida next year!
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
 In the old days (pre-GPS) we often had to rely on paper road maps. Yes, Virginia, we really did!
And somehow I always seemed to end up taking the scenic route. This is where I also confess I never stopped and asked for directions...that is giving up!
 Today I continue to unintentionally take the scenic route even with the use of my genuine TomTom GPS (with a very fake sounding Homer Simpson voice telling me where to go!).
I can’t really blame Homer either…you see I sometimes will try to go it alone because I know the area somewhat.
Sometimes even when I am using the GPS I choose to disregard the “recalculating” and continue on my own refusing any assistance whatsoever!
Sometimes I arrive where I intended. Sometimes it becomes necessary to turn on the GPS after I have obviously made a wrong turn somewhere or have reached the point of maximum tolerance!
 If you are selling your Brevard County, Florida home in this market as a for sale by owner (FSBO) you may find yourself on the scenic route or reaching a point of maximum tolerance!
It may be time to GPS – Get Professional Support – hire a local Brevard County Real Estate Agent/ Realtor®.
And if your Brevard County home for sale listing has expired, maybe your GPS needs “recalculating.”
Call me if you are considering buying or selling your Brevard County, Florida house or condo!
If you are considering selling your home in Brevard County including short sales, email me if I can help in any way.
It is OK to ask for directions.........
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
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Gary L Waters PLLC- Broker Associate Realtor® Melbourne Viera Rockledge FL
Viera,
FL
More about me…
Century 21 Baytree Realty, 1211 Admiralty Blvd, Rockledge
Address: Rockledge,Viera,Suntree,Merritt Island,Heritage Isle, Port St. John,Satellite Beach,Cocoa Beach, Rockledge, FL, 32955
Office Phone: (321) 255-2600
Cell Phone: (321) 693-3850
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