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Is Buying A Condo The Right Thing? - 02/28/09 10:42 PM
Many buyers opt for condo purchases. There are actually many nice condominiums in the Miami area. What I find with many buyers though, especially first time buyers is that they don't ask all of the necessary questions. As a matter of fact, few Realtors ask all the questions that I would expect them to ask when they call on a condo listing. Questions I usually get...How many bedrooms and bathrooms?How much is the maintenance fee?What does the maintenance cover?Questions I do not get...What is the contribution to the reserve account?I don't understand why anyone would purchase a condo in a building (2 comments)
Short Sale vs. Foreclosure. What Are The Affects On My Credit? - 02/28/09 10:34 PM
Homeowners facing foreclosure have a number of options, one of which is doing a short sale. Some people, depending on their situation, may allow a property to go into foreclosure instead of attempting a short sale. One reason is they don't have any expectations of saving the property so walking away is an easy solution. By accepting a short sale, the lender can avoid a lengthy and costly foreclosure, and the owner is able to pay off the loan for less than what he owes. The primary consideration above all is the affect both can have on your credit score. The (0 comments)
Military Members Need Immediate Correction to American Recovery and Reinvestment Act - 02/28/09 10:29 PM
Please share with anyone who can make a difference for our Military Families Via Wendy Rulnick "Its Wendy!" Destin Real Estate -Florida (Rulnick Realty, Inc.): I am privileged to represent Major Jason M. Trew, a pilot with the United States Air Force, as a real estate client. Major Trew is stationed at Eglin Air Force Base. I have Major Trew's home listed for sale in Freeport Florida because he is being required to relocate by the Air Force to a new base. Like many others in the military, his property value has declined to an amount lower than his mortgage balance. Major Trew is not a (2 comments)
I Want To Save My Home. Can I Still Do A Short Sale? - 02/20/09 09:54 PM
If you are in a Pre-Foreclosure stage, a Short Sale Specialist can help you determine if there is enough time to do a Short Sale.Below you will find several key stages to be familiar with. You can also track your foreclosure process on the internet.TO LEARN HOW TO TRACK YOUR CASE "CLICK HERE"DefaultFailure to make the mortgage payment within a specified period of time. For first mortgages, if a payment has still not been made within 30 days of the due date, the loan is considered to be in default.Lis PendensA notice that literally means a lawsuit pending that is usually (0 comments)
What Is A Short Sale Package? - 02/20/09 09:50 PM
A SHORT SALE Package Consists Of The Following... A. DOCUMENTATION NEEDED1. Addendum to Listing Agreement2. Authorization to Release Information/Negotiate Short Sales3. Authorization to Conduct Appraisal 4. Waiver of Liability/Hold Harmless Agreement5. Seller’s Financial Statement6. Seller’s Questionnaire7. Seller’s Hardship Letter explaining reasons for delinquency8. Addendum to Contract for Sale and Purchase9. As-Is Disclosure10. Realtor QuestionnaireB. DOCUMENTATION FROM SELLER:11. Copy of all mortgage information relating to the property12. Copy of seller’s drivers license13. Copy of seller’s social security card14. Copy of seller’s last two-month's pay stubs15. Copy of seller’s last two months bank statements covering all accounts16. Copy of seller’s last two year’s (0 comments)
Short Sale Help: Free Pre-Foreclosure Consultation - 02/10/09 07:58 PM
If You Are Looking For A Miami Short Sale Realtor.... Make sure the Realtor you select is not only a Short Sale Specialist, but also one who markets your property effectively on the Internet. I effectively market your property where 86% of today's Buyers begin their home purchase....on the Internet. On 95% of my homes featured on Realtor.com, I secure a top 10 search result for your home in your zip code when "do you like to see pictures" is selected. In other words, from among the several hundred homes for sale in your zip code, your home will appear in (0 comments)
Short Sale Help: Need To Do A Short Sale? - 02/10/09 07:53 PM
Considering A Short Sale In The Miami Area? Consult A Short Sale Specialist Before Listing Your Property With Just Any Realtor.A Short Sale occurs when the proceeds of a real estate sale fall short of the balance owed on the property. In a Short Sale, the bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the mortgagor. This negotiation is all done by a Specialist through communication with a bank's Loss mitigation department. A Short Sale Specialist can help you through this process.How does a Short Sale affect my tax (0 comments)
Via Richard Zaretsky, Florida Real Estate Attorney (Richard P. Zaretsky P.A. ): What is a short sale? When giving lectures I like to use the definition as follows: The sale of a real estate property for a price that is less than the total amount necessary to fully satisfy the actual present encumbrance (mortgage) indebtedness on the real estate property. Often I see a different description, one that says, The sale of real estate when the lender accepts less than its mortgage amount and forgives borrower from paying the deficiency. Which is correct? A look at the short sale acceptance letters lender's (2 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.