You will love this large fenced home in a spacious lot located in the heart of Waterchase West, Boynton Beach. - 03/30/12 01:43 PM

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Are you considering selling your home as a short sale in Palm Beach County? - 03/26/12 02:58 PM

 
Are you considering selling your home as a short sale in Palm Beach County?  Are you wondering what to do or who to call as a short sale expert?  Does it matter what short sale agent you hire to do a short sale in Palm Beach County?  Of course it does.  Does it feel hopeless?  There are options for you.  Doing nothing is not a great option.  It is a choice however the consequences of this choice can be more sever.  Experts agree that a short sale might be a good solution to consider if you are under water … (1 comments)

What is the single family real estate market doing in North Palm Beach, Florida? Is everything selling in North Palm Beach? - 03/26/12 02:44 PM
 
The North Palm Beach, Florida single family real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 9.9 months which is down 41% compared to last year.  The definition of a balanced market is a 6 month inventory for North Palm Beach homes for sale.  If you are not a distressed seller, you are most likely seeing the benefits of a buyer’s market. 
 
     The Treu Group has seen many multiple offers and North Palm Beach homes are selling for the most a buyer will pay.  That is … (0 comments)

What is the real estate market doing in Lake Worth, Florida? Is everything selling in Lake Worth? - 03/26/12 02:35 PM
 
The Lake Worth, Florida single family real estate market stats are out for February and there is some exciting news.  Inventory of available homes are at 4.7 months which is down 58% compared to last year.  The definition of a balanced market is a 6 month inventory for Lake Worth homes for sale.  So Lake Worth real estate stats are the strongest I have seen.  So what does this mean?  If you have been wanting to buy or sell, now is the perfect time.
 
     The Treu Group has seen many multiple offers and Lake Worth homes are selling … (0 comments)

What is the single family real estate market doing in Lake Clarke Shores, Florida? Is everything selling in Lake Clarke Shores? - 03/26/12 01:18 PM
The Lake Clarke Shores, Florida single family real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 2.3 months which is down 73% compared to last year.  The definition of a balanced market is a 6 month inventory or Lake Clarke Shores homes for sale.  Even better, if you are not a distressed seller, you are most likely seeing the benefits of a buyer’s market. 
 
     The Treu Group has seen many multiple offers and Lake Clarke Shores homes are selling for the most a buyer will pay.  That … (0 comments)

What is the real estate market doing in Hobe Sound, Florida? The Hobe Sound Market Stats are here. - 03/26/12 09:50 AM
 
The Hobe Sound, Florida real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 9.2 months which is down 47% compared to last year.  Something to realize is that 6 months by definition is a balanced market.  Anything less is a buyer’s market.  We are moving in the right direction in 2012.  If you are a non-distressed homeowner you very well may be approaching the balanced mark even faster. 
 
     The Treu Group has seen many multiple offers and Hobe Sound homes are selling for the most a … (0 comments)

What is the real estate market doing in Palm Beach Gardens, Florida? The Palm Beach Gardens Market Stats are here. - 03/26/12 09:38 AM
 
The Palm Beach Gardens, Florida real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 7.7 months which is down 44.7% compared to last year. 
 
     The Treu Group has seen many multiple offers and Palm Beach Gardens homes are selling for the most a buyer will pay.  That is always our goal.   If you own a home in Palm Beach Gardens we can get you results.  If you gave up selling before and were tired of looking at the for sale sign, we can help.  We have … (0 comments)

What is the real estate market doing in Royal Palm Beach, Florida? The Royal Palm Beach Market Stats are here. - 03/26/12 09:18 AM
 
The Royal Palm Beach,Florida real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 3 months which is down 68.7% compared to last year. 
 
     The Treu Group has seen many multiple offers and Royal Palm Beach homes are selling for the most a buyer will pay.  That is always our goal.   If you own a home in Royal Palm Beach we can get you results.  If you gave up selling and were tired of looking at the for sale sign, we can help.  We have the marketing … (0 comments)

You will fall in love the moment you walk into this beautiful, waterfront home located in Villa Flora, Boca Raton. This is the deal in Boca Pointe. - 03/26/12 09:02 AM

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This home has a view of the gorgeous lily filled lake tucked away in beautiful Papaya Village, Hobe Sound! - 03/23/12 01:23 PM

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What is the single family real estate market doing in Jupiter, Florida? Is everything selling in Jupiter? - 03/23/12 12:03 PM
 
The Jupiter, Florida single family real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 7.1 months which is down 48% compared to last year.  The definition of a balanced market is a 6 month inventory for Jupiter homes for sale.  Even better, if you are not a distressed seller, you are most likely seeing the benefits of a buyer’s market. 

     The Treu Group has seen many multiple offers and Jupiter homes are selling for the most a buyer will pay.  That is always our goal.   Our … (0 comments)

What is the real estate market doing in Greenacres, Florida? Is everything selling in Greenacres? - 03/23/12 11:41 AM
 
The Greenacres, Florida single family real estate market stats are out for February and there is some exciting news.  Inventory of available homes are at 2.7 months which is down 74% compared to last year.  The definition of a balanced market is a 6 month inventory for Greenacres homes for sale.  So Greenacres real estate stats are the strongest I have seen.  So what does this mean?  If you have been wanting to buy or sell, now is the perfect time.
 
     The Treu Group has seen many multiple offers and Greenacres homes are selling for the most a … (0 comments)

What is the single family real estate market doing in Delray Beach, Florida? Is everything selling in Delray Beach? - 03/23/12 09:51 AM
 
The Delray Beach, Florida single family real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 6.7 months which is down 49% compared to last year.  The definition of a balanced market is a 6 month inventory or Delray Beach homes for sale.  Even better, if you are not a distressed seller, you are most likely seeing the benefits of a buyer’s market. 
 
     The Treu Group has seen many multiple offers and Delray Beach homes are selling for the most a buyer will pay.  That is always … (0 comments)

What is the real estate market doing in Boynton Beach, Florida? The Boynton Beach Market Stats are here. - 03/23/12 09:17 AM
 
The Boynton Beach, Florida real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 5.3 months which is down 57% compared to last year.  Something to realize is that 6 months by definition is a balanced market.  Anything less is a buyer’s market.  So we have some good news to celebrate in Boynton Beach.  If you are a non-distressed seller, your Boynton Beach home is really going to get some good activity if the marketing and pricing is perfect.
 
     The Treu Group has seen many multiple offers and … (0 comments)

What is the real estate market doing in Boca Raton, Florida? The Boca Raton Market Stats are here. - 03/23/12 08:51 AM
 
The Boca Raton, Florida real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 8.1 months which is down 50% compared to last year. 

     The Treu Group has seen many multiple offers and Boca Raton homes are selling for the most a buyer will pay.  That is always our goal.   If you own a home in Boca Raton we can get you results.  If you gave up selling before and were tired of looking at the for sale sign, we can help.  We have the marketing plan … (0 comments)

What is the real estate market doing in Atlantis, Florida? The Atlantis Market Stats are here. - 03/23/12 08:02 AM
 
The Atlantis, Florida real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 11.4 months which is down 18% compared to last year. 
 
     The Treu Group has seen many multiple offers and Atlantis homes are selling for the most a buyer will pay.  That is always our goal.   If you own a home in Atlantis we can get you results.  If you gave up selling and were tired of looking at the for sale sign, we can help.  We have the marketing plan including our radio show, … (0 comments)

What is the single family real estate market doing in Wellington, Florida? Is everything selling in Wellington? - 03/23/12 07:42 AM
 

The Wellington, Florida single family real estate market stats are out for February and there is some interesting news.  Inventory of available homes are at 6.3 months which is down 47.1% compared to last year.  The definition of a balanced market is a 6 month inventory or Wellington homes for sale.  Even better, if you are not a distressed seller, you are most likely seeing the benefits of a buyer’s market. 

The Treu Group has seen many multiple offers and Wellington homes are selling for the most a buyer will pay.  That is always our goal.   Our … (0 comments)

If I am buying a home in Palm Beach County, do I need an attorney? - 03/22/12 08:22 AM
This is another popular question.   I think there are a few cases where an attorney should be hired.  Let’s cover one of the best times to have an attorney as a buyer.  When you are considering a foreclosure, it is always a good idea to have the closing documents and title insurance policy reviewed by an attorney.  We have heard nightmare stories about issues with title after the fact.  Luckily this has not been an issue for our clients, however it happens.  A great attorney can help you make sure you have marketable title.  You do not want to have surprises … (0 comments)

We are here to help you avoid foreclosure on your Palm Beach County home. - 03/22/12 06:10 AM

 
 
We did it again.  We helped another client avoid a foreclosure in Palm Beach County.  The reality is that the foreclosure filings are up drastically in Palm Beach County.  What does that mean if you are behind in your mortgage payment in Palm Beach County?  Time is no longer your friend.  The banks are moving forward and will foreclose.  The days of long processes and extensions are sadly over.  If you do nothing, they will foreclose. 
There are options and solutions.  The right agent can help you avoid a foreclosure in Palm Beach County.  The Treu Group is … (1 comments)

How much equity do you have for your Palm Beach County home? - 03/21/12 09:13 AM
 
We are asked all the time, what is my Palm Beach County home worth?  It really doesn’t matter unless you want to sell.  If you are able to wait long term, then don’t even think about of the home value.  If on the other hand you want to sell in the next year, two or three, then pay attention.  Opportunity is knocking.  Will you open the door?  It could be the time to get your home sold.
 
Are you watching your equity go away for your Palm Beach County home?  Let me ask you a question.  If you had … (0 comments)

What is going on with the Palm Beach County market? - 03/20/12 02:01 PM

 
Is it a seller’s market in Palm Beach County?  Or is it a buyer’s market in Palm Beach?  It is so confusing out there.  There are some communities that are seeing multiple offers and over list price offers.  Wow!  So if you are a seller in Palm Beach County, what does that mean?  The opportunity to get your home is the greatest right now for the past few years.  You can get your home sold now if you follow our advice:  have the condition right, hit the price perfect and we’ll make sure the marketing is perfect. Why now?  … (2 comments)

You will love coming home to Lakes of Laguna with wonderful amenities in West Palm Beach. - 03/20/12 09:04 AM

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Are you buying a home in Palm Beach County using FHA financing? - 03/19/12 12:37 PM
Do you plan to get a FHA loan in Palm Beach County?  Have you heard the news?  Time is urgent to get your case number before April 9th.  Otherwise, the cost of a FHA mortgage will go up. 
The upfront insurance is going from 1.0 to 1.75%.  This means on a 200,000 mortgage the buyer will have to finance an additional 1,500.00 which would mean another 7.60 per month.  The monthly mortgage insurance premium is only going up slightly by .10%.   This also would change the monthly payment slightly by 16.67 per month.    This all takes place on loans without a case … (0 comments)

Are you thinking of selling your home in Delray Beach? - 03/18/12 03:47 PM
Have you been thinking about selling your home in Delray Beach?  Are you wondering if there are buyers out there right now?  So what is the next step?  Call The Treu Group to see if it is time to sell your Delray Beach home.  We hae buyers that are ready to buy a home.  Is your property in Andover?  What about Lakeview or Sherwood Park?  Do you own a home in East Delray Beach?  Or do you own a waterfront home?  We have buyers looking for homes in all of these areas. 
Why do we have so many buyers?  Our marketing … (0 comments)

Are you looking for something fun to do in Palm Beach County for St Patrick's Day? - 03/17/12 07:23 AM

 
Have you been wondering what to do today to celebrate St. Patrick’s Day in Palm Beach County?  You will want to come to the Delray Beach St Patty’s Day Parade in Delray Beach.  No one does parades or festivals better than the Village of Delray Beach.  There will be a great parade and a lot of people watching.  There will be green beer, lots of green on people and dogs that are in the spirit too and wonderful restaurants.  Plan on staying the day and into the evening.  Come and see why we love Delray Beach.
It will be … (0 comments)

What is new in Palm Beach County Real Estate? - 03/16/12 01:29 PM
 
Are you wondering what is new in real estate in Palm Beach County?   We will be covering all of the information that you need to know this week on our show.  You will be able to find out how you position yourself to get the Treu Advantage in an ever changing market in Palm Beach County.  

This week on The Treu Real Estate 911 on www.wjno.com, we will be speaking to Erick Cantele with Academy Mortgage and hope you can join us at 8:30 am on Saturday morning.  Otherwise, check it out at http://www.facebook.com/treurealestate911.  If you like our … (0 comments)

Fabulous brunch retreat in Delray… - 03/16/12 12:51 PM
 


 
 The Sundy House

106 S Swinton Ave Delray Beach, FL 33444
 
Looking for a place to have Sunday Brunch?  Want a tropical environment?  Then we have the palce for you.  The Sundy House in Delray Beach. The restaurant is located next to the most beautiful gardens. They have an amazing custom Bloody Mary bar, an out-of-this world dessert station – you've go to check out the red velvet cake! They also have many different buffets to choose from, a wide variety of interesting salads and cheeses, and wonderful snapper, chicken and pasta. They also had wonderful … (0 comments)

New Rules - FHA Changes rules for Self Employed borrowers - 03/15/12 07:22 PM
 
There are other FHA changes coming.  If you are planning on getting a FHA mortgage, give us a call and we will make sure you have all of the information that you need.
Via Mark Taylor FHA VA USDA HUD & Investor Loans (First Time Buyers Investors and move up buyers):
FHA Changes rules for Self Employed Borrowers
Documentation Requirements for Self-Employed Borrowers – Effective for all case numbers ordered on or after April 1, 2012 except non-credit qualifying streamlines and HECMs.

Documentation Requirements for Self-Employed Borrowers
Self Employed borrowers will need P&L and Balance Sheet if more than a calendar … (2 comments)

I am ready to buy a home in Palm Beach, now what? - 03/15/12 06:48 AM
Are you ready to find your Palm Beach County home?  Have you heard all of the great news that affordability is the gift of this market?  First let me say congratulations.  This is a wonderful decision and we are so excited for you.  All of the experts agree that now is the time to buy.  It is called a buyer’s market after all.  So what is the next step to finding the right home? 

Here are a few tips to help you find your new home in Palm Beach County:
 
1.         The first move is to get pre-approved … (0 comments)

Does it matter who you hire to sell your short sale in Palm Beach County, Florida. - 03/14/12 11:36 AM

 
 
Short sales in Palm Beach County, Florida are something that a lot of people cannot avoid.  It takes a great short sale agent in Palm Beach County as well as the support staff to insure the best interest of yourself and your family.  The short sale world changes from month to month so having someone that is aware of the changes and knows how to handle and overcome the objections is very important as well.
 
The first step to avoiding foreclosure is getting an offer.  The second and most important step is getting it to the closing … (2 comments)

Why is now the right time to buy your Palm Beach County home? - 03/13/12 07:20 AM
As spring approaches, why not celebrate the season with the purchase of the home of your dreams in Palm Beach?  Are you wondering why now is the time to finally make your decision to buy a home in Palm Beach County?  There is one key word, Affordability! As a realtor selling Palm Beach County, we want to shout the good news all over Palm Beach County.  As you will see on this graph, it is the time to buy your Palm Beach County home.  The wealthy are getting wealthier by buying real estate and you can too. 
 
Why Florida?  … (0 comments)

This beautifully maintained cul-de-sac home is opportunity knocking located in Country Club, Royal Palm Beach. - 03/12/12 02:55 PM
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This home has a lovely large pool with spa and a large fenced backyard located in Dixie Park, Stuart. - 03/12/12 01:26 PM
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Is Everything selling in Palm Beach County? What are the stats for Palm Beach County? - 03/12/12 11:35 AM
 
It sure seems like all of the good homes are selling in Palm Beach County.  The best deals are seeing great offers and many with multiple offers.  So is the market in Palm Beach County heating up?  Yes it is.  The Palm Beach County numbers tell the story.  I wanted to share with you the research behind the opinion of Palm Beach County activity.  This past week we shared great stats on the Treu Real Estate 911 on wjno and you can listen at your convenience. 
The numbers that you need to know about real estate in Palm Beach … (0 comments)

Looking for something fun to do in Boynton Beach? - 03/11/12 05:09 AM
Are you looking for a new place to go in Boynton Beach?  Have you been to The Living Room yet?  No, then you will want to check it out.  What makes The Living Room worth a visit?  It starts with the atmosphere.  The decor is set up with tables as well as cozy seating areas with comfy chairs and couches.  It is perfect to come for dinner or you can stay a while for the entertainment.  Then we must talk about the food, YUM!!!  My favorites are always the soups.  The Tomato in a Cheese Bowl is amazing.  There really isn't anything … (4 comments)

You deserve compassion and connections to untangle your complicated mortgage challenges in Palm Beach County - 03/09/12 06:51 AM
 
If you or someone you care about is falling behind on your mortgage in Palm Beach County and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

There are currently 10.9 homeowners in the United States who owe more on their mortgage than their home is worth in today's market.
 
Far too often, Palm Beach County homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.  This is actually the … (0 comments)

What is important to know about doing a short sale in Palm Beach County? - 03/08/12 07:08 AM
 Are you thinking about doing a short sale on your home in Palm Beach County?  Are you wondering what is important to know to help make the process a success?  Here are a few things to consider.  A short sale in Palm Beach County might be the solution to getting out from under a stressful situation and avoiding a foreclosure.  One wrong step can cause you to end up having your home sold at the courthouse steps instead of you sitting at the closing table.
 
Here are a few tips to get your started in avoiding a foreclosure in Palm … (2 comments)

Does doing a Palm Beach County Short Sale hurt my credit? - 03/07/12 07:22 AM
 
We get this question all of the time.  If you are thinking of doing a short sale in Palm Beach County, you have definitely thought of this one.  It is a good question to ask.  Our goal is to always minimize the impact of the situation to our client.  Doing a short sale is like getting into an accident with your car in a parking lot, there will be damage, it is just a matter of how much.  This is compared to getting into an accident on an interstate, you will see more damage.  This is like a foreclosure. 
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This is a perfect well cared for home located on an acre in Ranchettes. - 03/06/12 09:17 AM
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Are you thinking about selling your Palm Beach County home? - 03/06/12 07:26 AM
 
The Treu Group
561-352-3056
www.treugroup.com
 
One of the most important decisions is to figure out how much your Palm Beach County home is worth.  The right home at the wrong price will not get you to the closing table.  The Treu Group wants to get you the most that a buyer will pay for your Palm Beach County home.  Let us help you figure out what your home is worth.  We have the proven marketing plan to allow you to get your sold sign in Palm Beach County.  Do you have a luxury home in Palm Beach County?  We … (0 comments)

What should I do if I have been served foreclosure papers for my Palm Beach County home? - 03/06/12 07:12 AM
 
The Treu Group
561-352-3056
www.treugroup.com

 
Are you unsure of what to do to avoid a foreclosure in Palm Beach County.One thing is for sure, you don’t want to be left holding the bag! In the state of Florida, there is what is called a deficiency judgment, which means that whatever is left over from the sale of the Palm Beach County home and what you owed can be pursued by the bank. If you don’t want to be hounded by banks for money owed on a house you no longer live in, then you absolutely need to contact … (0 comments)

Can you be foreclosed on your Palm Beach County home while you are attempting a loan modification? - 03/06/12 06:59 AM
The Treu Group
561-352-3056
www.treugroup.com

What is one of misunderstood facts about Palm Beach County foreclosures?
 
This is that the bank won’t foreclose on my Palm Beach County home while I am in the middle of a loan modification. The answer is yes it does happen.  In fact there have been many news stories of people that have lost their Palm Beach County homes to foreclosure while they were in the middle of a loan modification.  How shocking and sad. 

If you have been served for foreclosure on your Palm Beach County home and you want to … (0 comments)

Why would a bank say yes to a short sale on my Palm Beach County home? - 03/06/12 06:16 AM
This is a very good question that many sellers ask while considering options in Palm Beach County?  After spending a lot of time with the banks, they don’t want to foreclose.  Foreclosing is the last option in most cases as they are not interested in being in the real estate business.  A short sale has many benefits both the bank and most definitely to the home owner. 
So what is the benefit to the bank? 
A few items:
     1.        The loss is handled at a much faster pace.  A foreclosure could take years instead of a rapid resolution.  … (1 comments)

The Short Sale Luxury Market in Palm Beach County - 03/05/12 12:53 PM
 

What is going on in with Luxury Short Sales in Palm Beach County?  Are the banks willing to do a short sale on luxury homes?  Is there help and hope for your Palm Beach County home?  Yes and Yes!  The Treu Group has spoken with the lenders and there has been a positive change in attitudes with many of the lenders so it time to take action.  Why should you consider doing a short sale in Palm Beach County?  “Why not” is really the question.  It is a valid way to get out from under the pressure of owning … (2 comments)

Single-Family Homes a “Very Attractive Asset Class Now” – Warren Buffett - 03/02/12 08:40 AM

 
The news spread like wildfire.  No, it’s not another politician’s sex scandal or the latest (definitely not greatest) gas prices.  It is the monumental statement made by Warren Buffett that he would buy up “a couple hundred thousand” single-family homes.  The catch is that he would do that if it were something he could practically manage. He may not be able to practically manage it but individuals certainly can.
Think about that.  For months, if not more than that, countless Realtors have been urging their clients and potential clients that now is the perfect time to buy.  Now that … (2 comments)

This pool home is located on a large premium lakefront lot in Collinwood Heights, West Palm Beach. - 03/02/12 08:24 AM
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Just a thought about real estate in Palm Beach County. - 03/02/12 07:40 AM
 Are you wondering when is the right time to buy your first home in Palm Beach County?  Have you been thinking about your dream home in Palm Beach County?  Is it the right time to buy an investment property in Palm Beach County?  Have you considered when and how you make money from real estate investments?  The important lesson of the boom is that real estate investment is good if you have run the numbers, have a proper exit strategy, can afford the property and avoid the hype.  The investor of the boom was all about the hype.  Everyone had dreams … (0 comments)

Are you thinking of selling your home in Palm Beach County? - 03/02/12 02:10 AM
When you are thinking of selling your home in Palm Beach County, one of the biggest decisions that you have to make is who you will hire to represent you as your listing agent.  I have heard from many this week that the agent they interviewed couldn't tell them what they will do to sell their home besides put it in the Multiple Listing Service.  The sellers of Palm Beach County want, no need, now actually deserve more.  The Multiple Listing is step one however it is alone is not enough in this market.  So as a seller in Palm Beach … (1 comments)

Is a Short Sale the option for your Palm Beach County home? - 03/01/12 05:04 PM
Is your Mortgage out of Balance with Your Budget in Palm Beach County? Today's homeowners have a lot to fear in Palm Beach County. Budgets are tight and it doesn't take much before "barely getting by" tips into avoiding collector's phone calls, sleepless nights and falling further behind.  All of this adds to sleepless nights, stressed out days and lot so challenges. 
Many Palm Beach County homeowners don't think it's possible to tip the scales back in their favor so they simply give up.
You do not have to lose your Palm Beach County home to foreclosure! So how do you … (1 comments)

Is a short sale right for you in Palm Beach County? - 03/01/12 04:15 PM
Is a short sale right for you in Palm Beach County?  Do you feel like giving the keys back to the lender?  Does it feel hopeless?  There are options for you.  Doing nothing is not a great option.  It is a choice however the consequences of this choice can be more sever.  On the Today Show this week,  the advice was to strongly consider a short sale if you are under water and making your payment is a hardship.  This will allow you to move forward and after 3 years, you can even purchase at much more affordable rates and prices.  … (0 comments)

 
Steve%20and%20lisa Rainmaker_large

Lisa Treu

Delray Beach, FL

More about me…

Keller Williams Realty

Address: FL

Office Phone: (561) 352-3056

Cell Phone: (561) 376-2424

Email Me

Author Bio: The "Treu View" is our perspective of Palm Beach and Martin County real estate. As a team that has been selling since 1989, we always look for ways to bring the best deals and tools to our great clients. Whether your buying, selling, selling a property as a short sale or just curious about real estate, this is the place for you. The Treu Group remembers that you are the reason that we are in business. As hosts of The Treu Real Estate 911 on WJNO each Saturday morning at 8:30, we study the market to allow our clients to get the Treu Advantage.



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