destin florida real estate: Destin Florida Beaches - 06/07/10 09:08 AM
Playing on the Destin Florida beach...
Sea Oats...
Chilling out by the Gulf of Mexico...
Miles of nature on the Destin Florida coast...
Sand at our feet...
Join us.
It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com
Destin FL Real Estate
Destin Short Sales & Pre Foreclosure Help.
Read Wendy's Destin Real Estate Blog
Wendy is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". Call Wendy Rulnick, Broker/Owner,to … (6 comments)
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destin florida real estate: If You Want To Sell Real Estate, Spend $180.00 - 05/21/10 09:35 AM
My real estate market in Destin Florida, relies strongly on the use of the GE ActiveKey for access to listings. Only registered real estate agents can open lockboxes to get the key to the property. I check an online report daily to see who accessed my properties and when. I can email the showing agent for feedback with a personal touch. The system is widely used nationally, but there are alternate systems.
The problem in my Destin area occurs when we have the one or two odd agents who do not own a lockbox key. For some reason, they do not want to spend the … (14 comments)
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destin florida real estate: 10 Interesting Things I Learned - Studying for Florida Broker License Renewal - 09/09/09 05:46 PM
ZZZZzzzzz…. I studied all weekend for my Florida Broker license renewal, due in two weeks (why wait?). The reading material started out as a snore-- rules, regulations, fines and statutes. But I woke up and learned some interesting, unusual and cool facts about real estate:
Did you know?
1. Benjamin Franklin started the first insurance company in the United States in 1752. He formed the Philadelphia Contribution for the Insurances of Houses from Loss by Fire. He was a really smart man!
2. Only 58% of real estate companies have Errors and Omissions Insurance to cover negligent acts of their agents … (14 comments)
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destin florida real estate: Sterling Shores #211, Destin Florida - Short Sale Condo - 08/20/09 05:47 PM
Sterling Shores is an exciting condominium complex across from the Gulf of Mexico. This Destin short sale condo is smartly decorated, with breezy balcony to watch the ocean blue and the 4,300 square foot lagoon pool. Complex offers 4300 square foot lagoon pool, workout room, clubhouse, seasonal snackbar, movie theater, wireless internet. Walk to beach across the street, and restaurants next door on "Restaurant Road", Gratzi's, Back Porch, Ruth's Chris Steakhouse and more! This Destin short sale is offered at $239,900.
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Destin FL Real Estate
Destin Short Sales & Pre … (5 comments)
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destin florida real estate: 323 Stahlman Ave., Destin Florida Home Needs Work - 04/21/09 08:41 AM
"Unique - Like YOU"
323 Stahlman Ave, Destin FL 32541
This multi-level home in Destin Florida has numerous possibilities for living!
Striking main living area with cathedral ceiing and dramatic windows. Very contemporary. Tile and laminate floors. Lower level bedroom with extra loft room above. Another lower level with family room or private bedroom with fireplace. Fenced back yard with large deck. New roof 2005. HVAC replaced 4 years ago. Propane generator. Two fireplaces! Needs attention to cosmetics, carpet and paint and priced accordingly, but "imagine"!
Great location in Destin Florida near the harbor for fishing, dining and boating!
2588 … (8 comments)
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destin florida real estate: How I Helped My Competition - On Purpose! - 04/06/09 04:40 PM
As a Short Sale Specialist on the Emerald Coast of Florida, I sometimes run into a situation where a property cannot be saved from foreclosure. Either the seller contacted me too late, or the property combined with the market was so fraught with problems, that a sale could not be obtained. Luckily, we can often save a property from foreclosure right up to the sale on the courthouse steps.
I recently had a pre-foreclosure townhouse listed for sale in a gated subdivision in Destin, Florida. The property was encumbered with association fees of $800 per month. In my area, that is outrageous … (15 comments)
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destin florida real estate: Another Destin Short Sale Approved - Ariel Dunes Condo - 03/15/09 11:05 AM
Ariel Dunes Condo, Destin Florida
The Ariel Dunes condo project in Destin Florida has 112 units for sale. The complex is right across from Gulf of Mexico beaches and has amenities like pools, tennis and golf. Only four units have sold in the past six months. The latest was a short sale, which was approved in 90 days. Summary:
Property: Ariel Dunes gulf view condo, 732 square feet
Hardship: Medical
Lender: Suntrust
Original Purchase Date: July 2006
Original Purchase Price: $284,000
Current Sale Price: $180,000 (fair market value)
Debt Forgiven: Over $50,000
This Suntrust Destin short sale was processed by a company called Loan Care, … (3 comments)
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destin florida real estate: Lesson #1 in Real Estate: Learn How to Fill Out a Contract - 03/09/09 06:53 PM
I am primarily a listing agent in the Destin Florida market. In a normal week, I receive several offers on my properties all around the Emerald Coast. How many of these contracts are filled out correctly? Nary a one. Today I received an offer on a home in Niceville Florida. It was hard to even figure out what the offer was. First, the buyer's agent wrote the purchase price on the contract line labeled "deposit". She left the "purchase price" line blank. Next she checked off "cash with no financing". Next to that she checked "VA financing". She wrote in a closing … (20 comments)
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destin florida real estate: Rulnick Realty Grows in Destin Florida - 02/17/09 05:01 PM
Welcome Jeff Corl
Rulnick Realty announces that Jeff Corl has joined the company. Jeff has been a Realtor® in the Destin Florida area since 2005 and has worked with properties from Navarre to Inlet Beach to North Walton County. Most recently he worked to acquire 160 acres in the North part of Florida's Panhandle for developers to create a Planned Use Development and will work with them to bring the homes and commercial property to market.
Prior to that Jeff was a corporate vice-president for a Fortune 500 telecommunications company. He currently is on the Board of Directors, serving as vice-president, … (0 comments)
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destin florida real estate: Kiplinger Magazine: Wendy Rulnick Helps Destin "Short Sale" Sellers - 01/08/09 02:24 PM
Wendy Rulnick, Destin Florida real estate broker, was recently interviewed by Kiplinger Personal Finance magazine. In the February 2009 edition, Kiplinger describes foreclosure avoidance and short sales. Some of Rulnick's Destin real estate clients, who recently participated in a short sale, had their story told. The homeowners plight unfolded from buying at the top of the Emerald Coast real estate market to their mortgage interest rate hike and personal job loss. Rulnick helped the sellers complete a short sale on their home, which cancelled about $100,000 in mortgage debt.
The Kiplinger article stresses "Short sales are best conducted by an experienced … (20 comments)
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destin florida real estate: #1 Lesson to Salespeople: Tell the Truth - 10/02/08 10:41 PM
Yesterday a salesman and his associate walked off the street into my Rulnick Realty office, carting a bunch of meat for sale. I didn't send them away, and say "No soliciting". Believe me, I give anyone credit trying to work hard to make a living, in any economy. The salesman said, "I've got an overrun in my steak shipment, and am trying to sell the rest for $3 a piece-- they normally go for $8-$10 each". We were really busy at the office, I had just hired a new agent, and I only had a quick moment. I thought that … (44 comments)
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destin florida real estate: Do You Send Client Satisfaction Surveys? - 09/29/08 05:40 PM
Do you regularly send out client satisfaction surveys after you sell a property? At Rulnick Realty, in Destin Florida, we do. Our questionnaire is pretty simple. We ask:
What did Agent Jones or Rulnick Realty do well, that should be continued?
What could be done to improve the real estate purchase or sale experience?
I find that open-ended responses generate the best feedback. If the comments are especially good, we'll ask to include it in our advertising. The bottom of letter says:
Please sign here if your response may be used in advertising or promotional materials_______________
Today I was thrilled to receive … (11 comments)
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destin florida real estate: Ocwen-LCS Won't Budge - 09/03/08 07:43 PM
Short Sale -Condo in Destin, Florida
Hardship - Seller in the Mortgage Business - Loss of Income
ASC, first - owed $420,000
Ocwen, second - owed $280,000
Market Value - $280,000
Offer - $277,000 (fair market value)
Ocwen -has sent the loan to LCS for colllection/buy-out
LCS - Wants $43,000 from seller at closing plus promissory note for $150,000, otherwise, will not approve Short Sale and will "pursue all other legal options".
Seller has no savings.
Wendy Rulnick gets ASC and buyer to agree to pay OCWEN/LCS $12,000.
Denied.
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Search Destin Florida real … (10 comments)
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destin florida real estate: Countrywide Short Sale: Here's The Drill - 08/21/08 08:55 AM
I know everyone likes to complain about Countrywide Short Sales, but you know what, I like them. They are consistently inconsistent. I've had approvals from them in five weeks, without even a phone call from the negotiator, to five months, after them losing information, switching negotiators four times, and forgetting to order BPO's. At least it's a behemoth of a "system", and the consistency of the agent is the key to success with them.
My most recent approval is a condo in Destin, Florida. The drill was the same as most other short sales, with the key to the magic "approval" near the end. … (2 comments)
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destin florida real estate: How "Not" To Buy A Short Sale - 08/13/08 03:02 AM
Yesterday I received an offer on a Short Sale listing in Destin Florida. The list price was $216,000, a bit below market, and the house had been for sale for over five months. An agent produced an offer for $175,000 and it was contingent on seller's lender approval within 45 days. It also stated "The buyer has the right to withdraw the offer at any time prior to seller's lender's approval".
I presented this offer to my seller. We both knew $175,000 was nowhere in range of market value. Additionally, 45 days for lender approval is not realistic, with Short Sale approvals sometimes running 120 … (84 comments)
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destin florida real estate: Foreclosures: Multiple Offers- Deceipt & Subterfuge - 08/06/08 06:47 PM
Yesterday I was in the midst of a multiple offer situation. The property was a Destin foreclosure, a condo near the Gulf of Mexico. There were two offers, and the seller, a bank, asked for "highest and best offer" from each party, a standard practice in the foreclosure industry. While driving back to my office from an appointment, I received a call about the condo on my cell phone. Here is the conversation, I have changed names for the sake of confidentiality.
Buyer: "My name is Joe Garbled and I am calling about your Piper condo! What can you tell me about it?"
Wendy: "Are … (9 comments)
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destin florida real estate: Destin Real Estate Inventory - 08/04/08 06:01 PM
Do you want a good gauge of how the Destin real estate market is doing? Or any market?
Check the Months Inventory Statistic. This will tell you how many months it will take to sell out the current inventory of houses, condos, lots and townhouses if sales continued at the existing rate. The resulting figure will give you an idea of how quickly or slowly real estate is selling. Currently, the combined Months Inventory statistic for improved Destin real estate, which means any property that has an improvement on it, like a house, condo or townhouse (no lots) is 39 months. … (0 comments)
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destin florida real estate: HOPE for Homeowners - 08/04/08 02:17 PM
I have been getting calls from sellers in Destin Florida and the surrounding towns, concerned over rising mortgage payments or from those who have lost income or jobs, to find out if they are eligible for the favorable refinance benefits recently passed in the Housing and Economic Recovery Act of 2008. Following is quoted directly from the Senate Banking Committee. To find out if you qualify, you should call your mortgage lender.
Summary of the "HOPE for Homeowners Act of 2008"
The "HOPE for Homeowners Act of 2008" creates a new, temporary, voluntary program within FHA to back FHA-insured mortgages to distressed … (4 comments)
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destin florida real estate: Notes From A Short Sale - 07/31/08 02:38 PM
I just had another Destin Florida short sale approved. Following are my notes starting with the most recent going back to the beginning of the Short Sale Approval Process with Countrywide. This might be useful to show buyers' agents and potential buyers to help them understand some of the processes the listing agent goes through to get approval.
7/29/2008 4:22 PM Sara from COUNTRYWIDE Calling she is faxing APPROVAL!
7/29/2008 3:42 PM CALLING COUNTRYWIDE looking for approval letter if hear nothing by Thursday will escalate to team leader...
7/28/2008 2:40 PM CALLING COUNTRYWIDE no update
7/28/2008 11:26 AM CALLING COUNTRYWIDE we said OK on July … (13 comments)
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destin florida real estate: Destin to Atlanta - 07/28/08 07:26 PM
Sometimes even those of us who live in "paradise" need a vacation. You know, Destin Florida- sugar white beaches, emerald green waters, the "world's luckiest fishing village". After having worked what seemed like eons with no vacation, I needed a break. My husband and I did just that this weekend. We went of all places, to Atlanta! You know, it's usually Atlantans that come to Destin. But I needed my "city" fix. I mean, more specifically, my shopping fix. We drove six hours to stay at the J.W. Marriott in Buckhead, attached to Lenox Square with about 250 stores, and across … (4 comments)
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