Saturday, March 28, 2009

The "Missing" Destin Short Sale Loan


I listed a short sale home near Destin, Florida. The seller told me he had two loans, the first with Countrywide, and the second, or junior lien, with HSBC Mortgage Services. We received a fair market value offer about three months ago. I faxed the short sale package to both lenders, and made my follow up phone calls to confirm receipt. HSBC told me "We no longer have the loan". OK, well, where is it? They told me the loan was charged off over two years ago and it had gone to RMS, a collection agency. I called RMS. They said they did not have the loan, nor ever had the loan. So, I called HSBC back. Same story. I called RMS. Same story, they never had the loan.


I kept calling HSBC back, asking for supervisors, going through this loop for about two weeks. I asked my seller to dig through his paperwork to try to find the last document about his mortgage. He had received nothing for over a year, no bills, no calls, nothing. So, next I called my favorite title agent, Debbie Cahill at Touchstone Land Title in Destin Florida. Debbie and her trusted associate, Lee Ann Borden, checked the MERS system for me. MERS stands for Mortgage Electronic Registration Systems.

MERS is used by many loan servicers to more easily keep track of who the end-investor is on the loan. MERS may be the registered "owner" in public records although the loan may be traded between end-investors. MERS indicated HSBC STILL owned the loan! Armed with this documented information, I called HSBC again. Same response. Then I started faxing. I faxed the HSBC a letter stating we needed to close the property and they HAD TO RELEASE THEIR LIEN, with a copy of the printout from public records and MERS proving they owned the loan. I faxed them every day for another two weeks. No response. I left messages on different numbers for HSBC. Still nothing. Honestly, I was about ready to throw in the towel. My title agent had never had this happen in her entire career. I did not have any options. The property simply could never sell without the release of the HSBC lien.

Finally, a lucky call by the title agent got a sincerely interested response from someone in the HSBC MERS department. She said she would try to help! After two months of relentless pursuit, HSBC at last admitted they owned the loan. And guess what? They approved the Short Sale yesterday!
Never give up!


It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
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Destin Short Sales & Pre Foreclosure Help.
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Friday, March 27, 2009

1945 Seahawk Lane, Navarre FL Pre-Foreclosure Short Sale




Great Holley-by-the-Sea home in Navarre Florida needs immediate pre-foreclosure offer. Big spaces here! Split floorplan, kitchen with oversized pantry, lots of cabinet and counter space. Formal dining room. Living room with angled fireplace. Master bath with whirlpool tub. Needs deep-clean, carpet and paint to your own taste. Huge yard. Owner of the wonderful Navarre property will have access to community amenities, clubhouse! Easy commute to Hurlburt Field AFB. Minutes to Gulf of Mexico beaches. This is a short sale. Offered at $159,900.

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Tuesday, March 24, 2009

416 Spanish Moss Trail, Destin Florida - Home for Sale


Ready to jump in? This Destin Florida home has an in-ground pool! Big corner lot with lots of native trees and plants for privacy. Home has recently been painted inside. Changeable floor plan. Extra room can be office or formal living room or dining room. Split Master Bedroom has private door to pool area. Roof new 2006. Great central Destin location. 5 minutes to Destin beaches, harbor, shopping galore! Offered at $269,900

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Monday, March 23, 2009

Eglin AFB and Hurlburt Field: Homeowners Assistance Program (HAP) for Short Sales



Due to the draw-down of the 33rd Fighter Wing at the Eglin AFB complex, approximately 2000 airmen are being relocated from the Emerald Coast of Florida to other air force bases around the country and world. In addition about 1000 personnel from Hurlburt Field are moving to Cannon AFB in Clovis, New Mexico. Unfortunately, airmen in the Fort Walton Beach, Crestview, Navarre, Niceville and Destin areas of Florida are facing the same predicament as most Americans. Many have mortgage balances that are more than the market value of their homes. Thus, when faced with a forced military move, and such choices as to lease out their homes with insufficent rent to cover the mortgage, or foreclosure, the preferred strategy is to conduct a short sale. A short sale occurs when the seller's mortgage holder accepts fair market value at sale of the property, and, in the best case scenario, forgives the rest of the mortgage debt.
The good news for Eglin and Hurlburt Field military personnel is that further financial help may be available through the Homeowners Assistance Program (HAP). HAP is a long-established Department of Defense program that is managed by the US Army Corps or Engineers. HAP was initially used only to assist in Base Realignment and Closure (BRAC) moves, but the new economic stimulus plan has expanded the program to include Permanent Change of Stations (PCS) moves.

What HAP offers in terms of relief is the following:

The Government may-
1. Reimburse you for part of your loss from selling your home
2. Assist you, if you don't receive enough proceeds from the sale of your home to
pay off your mortgage
3. Buy your home by paying off the mortgage
4. Help you, if you default on your mortgage

Further, HAP states you should continue try to sell your home on the open market. According to the program, you may be paid up to 95% of the difference of the Fair Market Value prior to the BRAC or PCS announcement affecting you, and the appraised value at time of sale, with potential for some closing cost reimbursement. HAP will not reimburse for the total loss. At the time of this writing, I have three Hurlburt Field and Eglin AFB home sellers who have applied for HAP simultaneously while attempting a short sale. How the government will interact with short sale lenders is to be determined.

Local Eglin AFB commanders are still trying to get formal interpretation of the program as it applies to Emerald Coast airmen. One of the controversial limits of the program expansion in the new American Recovery and Stimulous Act is that it applies only to homes purchased prior to July 2006. This limiting date does not correspond to the still-inflated real estate market in the ensuing months, in which many military members continued to purchase homes as outlined by Air Force Major Jason Trew's Letter to Congress.

While the language in the current bill is still being interpreted by Air Force authorities, you might be eligible to receive benefits under the new legislation. If you are in a short sale situation, stationed at Eglin AFB, Hurlburt Field or Duke Field, you should see your commander or first sergeant and make your Application for Homeowner Assistance. As always, consult an experienced real estate agent who specializes in short sales to help you through the process.

It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty
Featured Short Sale Specialist in "Kiplinger Magazine"

Email: itswendy@rulnickrealty.com
Call Wendy at 850-650-7883 ext 204

All Rights Reserved. *Eglin AFB and Hurlburt Field: Homeowners Assistance Program (HAP) for Short Sales* Contact Wendy Rulnick regarding Eglin AFB and Hurlburt Field, Florida real estate and vicinity. Copyright © 2009 by Wendy Rulnick.

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Tuesday, March 17, 2009

Sundestin Condo- Destin Florida - Beachfront Home


Destin Florida - time to own a Sundestin Condo! Seventh floor with awesome beach views. Direct waterfront unit! Newly decorated, new flooing, light maple cabinets with newer appliances, vanities, hardware, light fixtures, furniture, paint andmore! Rated "Gold" on the rental program. New furniture in master bedroom and new flat screen t.v. Sundestin is a great vacation resort and offer two pools, one indoor and heated, game room, gift shop, exercise room, game room, exercise room. and convention facilities. This is one of the best rental buildings in Destin Florida. Owner of this Sundestin condo will be minutes from exciting shopping at Destin Commons, Baytowne Wharf, Destin Harbor and more. Offered at $240,000.

Call our Team at Rulnick Realty for all your Destin real estate needs!

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Sunday, March 15, 2009

Destin Short Sale Approved - Ariel Dunes Condo

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, who handle some of Suntrust's overflow in loss mitigation. The appraisal came back at $190,000 but Suntrust and its investors accepted the $180,000 offer in light of the Destin condo market, with its six year inventory. Suntrust paid a full commission of 6%. Their negotiators were professional, personable and responsive.

If you need to sell your Destin real estate as a "short sale", consult a professional real estate agent who is skilled and experienced.

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Search All Destin FL Real Estate
Destin Short Sales & Pre Foreclosure Help.
Read Destin Real Estate Blog
Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com

Call Wendy Rulnick, Destin real estate agent, to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County- Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy is a short sale and pre-foreclosure specialist and can help you sell or buy a short sale property in and around Destin Florida and the Emerald Coast.
All Rights Reserved. *Destin Short Sale Approved - Ariel Dunes Condo* Contact Wendy Rulnick regarding Destin Florida real estate and vicinity. Copyright © 2009 by Wendy Rulnick.

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Thursday, March 12, 2009

Destin Florida Real Estate Market Report

In the Destin Florida real estate market, there are 3105 properties for sale-- 935 single family homes, 1869 condos, 206 townhomes and 401 lots. For purposes of this report, the Destin and Sandestin markets have been combined. Sandestin is in the Miramar Beach Florida postal area of Destin, in Walton County. The Destin market sub-area is in Okaloosa County, Florida.

The average list price for Destin real estate is $373,685, a drop from $556,136 one year ago.

The average sale price for Destin properties is $327,609, down from an average sale price of $502,099 one year ago.

The median sale price for Destin real estate is $267,000, down from $344,000 one year ago.
Note the "median" statistic may be more indicative of market trend than "average", because "median" indicates that one-half of the sales were higher and one-half were lower. An "average" may be skewed higher due to some more expensive home sales that affected the resulting figure.

The report indicates 222 days average market time for Destin houses, condos and townhomes. This figure is low, and does not reflect all listing periods of a single property. It only tracks the last listing period of the sold home. If a property were listed multiple times and failed to sell during those times, that is not reflected in the figure. Many Destin homes were listed more than once until they finally sold, or "re-listed" by the same real estate agent.

The "Months Inventory" figure for Destin Florida real estate is 45 months, or almost four years. Months inventory indicates how many months it would take to sell all the improved properties in the Destin real estate market at the current rate of sales. Normal markets inventories are usually six to seven months.

The inventory of Destin homes for sale is 3105, down from a year ago at 3474.

Destin Florida has 476 short sales and foreclosures for sale, or 15% of the all properties for sale.
For additional information, contact:

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search All Destin Real Estate
Destin and Fort Walton Beach Short Sales & Pre Foreclosure Help.
Read Destin Real Estate Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email Wendy to sell your Destin Florida home or buy a home on the Emerald Coast: itswendy@rulnickrealty.com

Call Wendy Rulnick, Destin real estate agent, to list and sell your home or condo or help you buy a home or vacation property on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County - Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy is a short sale and pre-foreclosure specialist and can help you sell or buy a short sale property in and around Destin Florida and the Emerald Coast.Subscribe in a reader





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Tuesday, March 10, 2009

Destin Condo Short Sale Approved in 7 Weeks

This Indian Lake condo in Destin Florida has been approved for a short sale by Countrywide. It was listed by three agents before me for over two years. The stunner is - I got a good offer for my seller in less than 60 days, and got her short sale approved in only seven weeks!

Summary:
Property: condo built 2004, 920 square feet
Mortgage: Countrywide - about $150,000
Hardship: Seller lost one job, had hours cut on second job, see "Destin Short Sale Seller: I Just Want Out"
Original List price: $98,000 November 19
Priced Reduced: to $86,000 December 22
Contract: received fair market offer on Jan 12

Approved: March 3
Time from Package Fax to Approval: 7 weeks

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Search All Destin Florida Homes for Sale
Destin Short Sales & Pre Foreclosure Help.
Read Destin Real Estate Blog

Call Wendy Rulnick, Broker, toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com

Call Wendy Rulnick, Destin real estate agent, to list and sell your home or condo or help you buy a home, condo or beach property on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County - Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy is a short sale, pre-foreclosure and marketing specialist and can help you sell or buy a short sale property in and around Destin Florida and the Emerald Coast.
All Rights Reserved. *Destin Condo Short Sale Approved in 7 Weeks!* Contact Wendy Rulnick regarding Destin Florida real estate and Emerald Coast homes for sale. Copyright © 2009 by Wendy Rulnick.

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Saturday, March 7, 2009

153 Palmetto Ave - Short Sale West of Hurlburt


This well kept plantation-style home is located in Mary Esther, Florida, West of Hurlburt Field air force base. It has a grand front porch that hints at the inside appeal! Numerous upgrades include corner-angled fireplace, tray ceiling, oversized windows and wood-type flooring in the living room.

Kitchen has a stainless steel refrigerator, flat top stove and plenty of cabinets. Bay window overlooking the back deck and oversized yard. Master bath has two walkin closets, and separate shower and garden tub. Oversized lot provides plenty of area for those large family gatherings or installation of a pool. The driveway provides a parking pad next to the garage. Two a/c units! This Mary Esther home is a short sale subject to seller's mortgage holders' approval. It is close to shopping in Fort Walton Beach, Eglin Air Force Base, Hurlburt Field, the Gulf of Mexico for sunning and fishing! It is 2455 square feet, and offered at $239,900.

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Bluewater Bay Home for Sale - Short Sale

VA Compromise Sale- Short Sale - 468 Barbados Way, Niceville Florida 32578

This Bluewater Bay home in Caribbean Village will delight! Fabulous oversized lot- fenced at end of cul-de-sac. Enormous pavered patio, amazing screened porch. Fanciful swing under pergola. Newer well-pump,sprinkler system with drip irrigation for a gardener's heaven. Exterior painted 2008, interior recent tasteful paint. Master bedroom opens to screened porch, master bath with oversized, sit-down shower. Light creamy, tiled kitchen. Cathedralled living room with fireplace. Real wood blinds. Front windows tinted for energy-savings. Bluewater Bay offers amenities and clubs such as tennis, golf, pools, bayfront marina, playgrounds and more. Niceville Florida location provides easy access to Mid-Bay Bridge to Destin Florida beaches, Gulf of Mexico and shopping at Destin Commons. Great for commuters to Eglin Air Force Base, too! Offered at $229,900.

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Okaloosa Island Condo - Waters Edge on The Gulf of Mexcio

Waters Edge Unit 418, Okaloosa Island, Fort Walton Beach FL 32548

Divine Okaloosa Island condo directly on the Gulf of Mexico. Corner unit with double balcony, 9 foot ceilings, tall windows, granite counters. Scintillating views of blue-green gulf waters. Property has over 400 feet of sandy beach for sunning, sauntering and fishing. For your enjoyment - on-site 5000 ft pool, work-out room, barbeque pits and covered parking. This Okaloosa Island condo offers easy access to Destin harbor, shopping and all things on the Emerald Coast of Florida! Gross rental was $35,677 in 2008. Short sale. Offered at $497,400.

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Hammock Bay- Freeport Florida Home for Sale




213 Concert Court, Freeport Florida

Serene and stately cottage style home in Hammock Bay, Freeport Florida. Just built in 2007, home has features for fine living. 9' ceilings, tiled floors, shuttered windows and designer colors. Pleasing kitchen with solid surface counters, gas range, pantry. Interesting architectural elements and floorplan. Upgrades include screened-in porch off breakfast/kitchen area. Front office or dining room with French doors. This home has plenty of closet space! Hardiplank siding. Fenced lot to rear. Garage has a suprise with full walk-up space that is partially floored with a window. Transferable builder warranty. Community of Hammock Bay features nature trails, bike paths, clubhouse, fitness center, playground, 25 meter lap pool and recreational pools, tennis courts, basketball court,enormous playground and even a dog-washing station. Community also has town square, bayfront shoreline, ballfields and conference facilities. This Freeport FL home is only 20 minutes to Destin beaches, Sandestin, the Gulf of Mexico and great shopping and restaurants. Easy commute to Eglin Air Force Base. Short sale. Offered at $219,900.

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1170 Troon Drive, Niceville Florida - Bluewater Bay Home for Sale






1070 Troon Drive, Niceville FL

This beautifully renovated Bluewater Bay Florida home is move-in ready. The split bedroom plan home is bright as a new penny and has lots of light; the living areaa are open for good traffic flow and liveability. This home has been thoughtfully and carefully remodeled and refurbished; granite countertops, professionally painted, new molding, new laminate and tile flooring. All appliances convey; termite bond is transferrable, lawn maintenance, build-ins in closets, lawn pump and sprinklers system, big yard, very large tiled deck for entertaining. Bluewater Bay is in Niceville Florida. The community has pools, tennis, golf, marina and more. Niceville is 20 minutes to Destin Commmons, movies, and Gulf of Mexico beaches. Also very convenient to Eglin Air Force Base. Offered for sale at $234,900.

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Thursday, March 5, 2009

Destin Real Estate Buyer Defaults Buying Short Sale Condo




Why do many Destin Florida real estate buyers "walk" in the middle of a short sale? As a buyer's agent you've worked hard. You've called and emailed your buyers for months, maybe longer. You've shown them dozens of properties, perhaps even written an offer or two that didn't work out. Finally, they get a contract accepted on a short sale. After two months of waiting, they "walk"-- prior to the lender approval timeframes allowed in the contract. They DEFAULT on their contract-- without penalty. Not only have you lost a sale, the buyers have tied up the sellers, the listing agent, the buyer's agent and the lender. By tying up the lender, they clogged the short sale system for other buyers - who are willing to wait for the home they want.


I am prompted to write, because I just received a cancellation demand from a buyer for a waterfront condo in Destin Florida. The buyer's agent emailed me the request for the $3000 deposit to be returned to the buyer. The contract had allowed 30 more days for bank approval, in this case Countrywide. Through frequent communication, the buyer's agent knew written approval was imminent. When I asked why her buyer was trying to cancel, the agent said, "He is tired of waiting and doesn't trust the short sale process." I told the agent that the short sale approval had just been delivered to my email. and we actually had another 30 days to obtain approval per the contract. I told her he would probably "own the gulf-front condo within two to three weeks". She said "he did not care, he had changed his mind, and it didn't matter if the seller or I thought he was ‘loony' or a ‘nut'". And... he still wants his deposit back.
In this case, adequate dates were built into the contract. There was a $3000 deposit and the buyer had already completed his home inspection. But he simply "defaulted". He accepts no contractual obligation because of his default- he feels he is entitled to his full deposit back. The buyers stance will not change even after wasting everyone's time, and putting the sellers on the edge of foreclosure by tying up their condo.

What is the seller's recourse? In Florida, title agents often hold earnest monies. They can only release the deposit when both buyer and seller agree. In this Destin Florida case, the buyer is requesting the release of escrow funds, but the seller will never agree. Thus, the money could forever be tied up without further proceedings. It is unfortunate that many buyers can "walk" without fear of recourse, as most Florida short sale sellers have no means to pursue them.

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email itswendy@rulnickrealty.com

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Destin Real Estate - Help For Short Sales from New Homeowner Plan


The Treasury Department has just announced the incentives for lenders to accept short sales. Here is the excerpt from the updated Making Home Affordable plan that may help Destin real estate sales and Emerald Coast property owners that are in foreclosure:

Limiting the Impact of Foreclosure When Modification Doesn't Work:
Servicers will receive incentives to take alternatives to foreclosures, like short sales or taking of deeds in lieu of foreclosure. For those borrowers unable to maintain homeownership, even under the affordable terms offered, the plan will provide incentives to encourage families and servicers to avoid the costly foreclosure process and minimize the damage that foreclosure imposes on financial institutions, borrowers and communities alike. Servicers will be eligible for a payment of $500 and can make reimbursable payments up to $1000 to extinguish other liens, and borrowers are eligible for a payment of $1500 in relocation expenses in order to effectuate short sales and deeds-in-lieu of foreclosure. Such methods reduce vacancy, neighborhood decline, and overall costs for financial institutions, borrowers, and affected communities alike.

Summary and Analysis:
1. The plan may aid in disposing junior liens by a $1000 reimbursement to first mortgage holders. This may make it easier to sell Destin area short sale properties with more than one mortgage. There should be a dollar amount that is set to pay second mortage, such as $3000, with adjusted criteria for seller's financial situation. If a seller meets certain criteria, they might pay a promissory note or do a cash contribution. This would help stem rejections by junior lienholders asking for outrageous amounts to release their liens.

2. It adds a very minimal incentive of $500 to offset some of the lenders expenses for approving a short sale. Add up the 150,000 short sales currently in process at Countrywide, though, that would total $75,000,000. Not bad.

3. The borrower will receive a $1500 in relocation expenses. $1500 is an overpayment in my estimation and/or unnecessary. Many Destin short sale sellers are already out of their properties, and relocated for new employment purposes. Or the Destin properties might be investment properties. In addition, short sale sellers usually have six months to two years "notice" they are moving, and have been "saving" by not making mortgage payments for that time period. The money could be used instead as a "bonus" for short sale lender approval in a timely manner, such as 30 days. Or added to pay the second. Or paid to the Realtor. (Fannie Mae just changed guidelines to allow real estate agents to receive their pre-negotiated commission of 6% or less, instead of cutting it, which is long overdue).

The short sale process is lengthy, and depresses prices beyond the normal economic cycle. Recognizing and correcting deficiencies in the process will help stabilize the Destin real estate market.

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com

Call Wendy Rulnick to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County- Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy is a short sale and pre-foreclosure specialist and can help you sell or buy a short sale property in and around Destin Florida.
All Rights Reserved. *Destin Real Estate - Help For Short Sales from New Homeowner Plan* Contact Wendy Rulnick regarding Destin Florida real estate and vicinity. Copyright © 2009 by Wendy Rulnick.
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Monday, March 2, 2009

Holiday Isle Short Sale, Destin Florida Property for Sale


149 Durango Road, Holdiay Isle, Destin Florida
Imagine - sitting on your huge deck, watching the large boats go by on the canal to Destin Harbor. Then getting in your own boat, since it's deep water, and cruising around the corner to A.J.'s restaurant for a sunset drink. Or, perhaps cruise out to the Gulf of Mexico and catch your dinner! Grouper or red snapper, perhaps? Your new Destin property has two enormous outside decks, one upper and one lower. This is great for flowing parties. The waterfront home has three bedrooms and three full baths, and an interesting loft for extra space. This Destin townhome has no association fees like a condo! Living on Holiday Isle puts you in the middle of "real" Destin - the fishing fleets, the boardwalk, restaurants and beach life! Short sale with only one mortgage holder for speedier approval time! Some work is needed, so take advantage of the price at $324,900.


It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.



Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com


Call Wendy Rulnick to list and sell your home or condo or help you buy a home or rental property on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County- Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy is a short sale and pre-foreclosure specialist and can help you sell or buy a short sale property in and around Destin Florida.
All Rights Reserved. *149 Durango Rd., Destin Florida 32541 - Short Sale on Destin Harbor* Contact Wendy Rulnick regarding Destin Florida real estate and vicinity. Copyright © 2009 by Wendy Rulnick.
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Sunday, March 1, 2009

Cabana Club, Destin Beachfront Condo- Approved Short Sale


Cabana Club #202, Destin Florida Waterfront Condo
PRE-APPROVED SHORT SALE PRICE $260,000


PRE-APPROVED SHORT SALE! Fun Destin condo with great gulf views, right on the water! Generous balcony to enjoy ocean breezes. 4 story complex is located in heart of Crystal Beach in Destin Florida. Location is right near Destin Commons, excellent shopping, golf courses, Sandestin, Baytowne Wharf, Grand Boulevard. Great jogs down Scenic 98 past Destiny, near Henderson Beach. Excellent walk-to restaurants- Camille's and also the new Beachwalk Cafe at the Henderson Inn. Also walk to Barnes and Noble, Starbucks Coffee, Best Buy, more! Walk right downstairs into the white sands of the Gulf of Mexico! Unit generates $30,000 year in vacation rental income as a bonus!

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Search Destin Real Estate
Short Sale Pre Foreclosure Help.
Read Destin Real Estate Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email itswendy@rulnickrealty.com

Wendy Rulnick specializes in Destin real estate and condos and the entire Emerald Coast of Florida. Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Crestview, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field.

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501 Division Street, Fort Walton Beach Florida Home For Sale

This Fort Walton Beach Florida home is full of smiles and surprises! Light open spaces, multiple gathering areas, high ceilings. Formal living room, step down family room with fireplace, oversized foyer. Kitchen is very open with center isle, plentiful cabinets, lazy susans and pull-out drawers. Newer gas range, new microwave. Floors are cleanly tiled in main rooms, bedrooms have neutral, thickly padded carpets. Master opens to huge rear deck. Large lot allows home to be set back from street. Incredible shed in back will please the gardner and craftsman. Just 10 minutes to Okaloosa Island, Choctawhatchee Bay for fishing, the Gulfarium and blazing white Gulf of Mexico beaches! Convenient to Eglin Air Force Base and Hurlburt Field. 2162 square feet, 3 bedrooms. Pool table included! Offered at $199,900.
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Search Destin Real Estate
Short Sale Pre Foreclosure Help.
Read Destin Real Estate Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email itswendy@rulnickrealty.com

Wendy Rulnick specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Crestview, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy Rulnick, Broker and Realtor, has been selling real estate for 20 years. She has won numerous awards, including the coveted ADDY for advertising design. An expert marketer of real estate listings, she negotiates successfully to her clients' advantage. She is supported by a team of top buyer specialists. She lists and sells homes, condos and townhomes in and around Destin Florida. Wendy is in the top ½ percent resale agents on the Emerald Coast, and was featured in Kiplinger Personal Finance Magazine as a short sale specialist.

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