Wednesday, November 25, 2009

Wells Fargo Approves Short Sale Near Rosemary Beach Florida- In Eight Days!


This corner lot in Riviera Beach, Panama City Beach, Florida was just approved for short sale. This property is near Rosemary Beach Florida..

Lender: Wells Fargo

Mortgage Balance: $275,000 appr

Sale Price: $50,000 appr

Faxed short sale package: November 16

Received Approval: November 24

Approval Time: 8 days

Promissory Note: None

Cash Contribution: None

Sales Factors: Complete short sale package, realistic offer price, legitimate hardship, serious buyer.

If you need to sell your home as a short sale in Seaside, Seagrove Beach, Watercolor or Rosemary Beach, Florida, it is best to hire an experienced short sale agent.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Aurora Loan Services Approves Seagrove Beach Short Sale in Amazing 84 Days


This unusual duplex in Seagrove Beach, Florida, adjacent to Seaside, was just approved for short sale. This property is less than one block to the Gulf of Mexico.

Lender: Aurora Loan Services

Mortgage Balance: $875,000 appr

Sale Price: $325,000 appr

Approval Time: 84 Days

Note: This quick approval for an Aurora Loan Services short sale was amazingly fast.

If you need to sell your home as a short sale in Seaside, Seagrove Beach, Watercolor or Rosemary Beach, Florida, it is best to hire an experienced short sale agent.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Sunrise Beach Condo #704, Panama City Beach Florida - Short Sale


This view comes with a great Sunrise Beach condo in Panama City Beach Florida! This short sale condo is located about one mile from the exciting new Pier Park shopping. Right on the beach, this 2 bedroom unit with bunk is a quick jaunt to Sharkey's Tiki Bar and Grill. Granite countertops finish off the well equipped kitchen. The master suite is gulf front and offers double closets, double vanities and a garden tub. If you are looking for the perfect Sunrise Beach short sale condo in Panama City Beach, this is for you!

Offered at $284,700


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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2389 Hemlock Drive, Holley by the Sea, Navarre, Florida - Short Sale


2389 Hemlock Drive is in Holley by the Sea, Navarre, Florida. Beautiful home with upgrades! Newer appliances, granite counters. Tiled kitchen, baths. Vaulted living area with accent columns adding drama to open floorplan. Large lot with roaming deer (see photo!!) Holley-by-the-Sea offers a world of amenities, bay access, pool, more.

This Navarre Florida short sale home is offered at $149,900


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Monday, November 23, 2009

6444 Starfish Cove, Lighthouse Point, Navarre, FL 32566 - Short Sale


6444 Starfish Cove is in Lighthouse Point in Navarre Florida. Cozy cottage with a nice back yard. This Navarre home has an unique floor plan that works!! Floorplan makes good use of all space! Rooms feel large! 3 bedrooms and 2 baths or the 3rd bedroom could be used as an office with double doors off the living room. Navarre short sale with excellent commute to Hurlburt Field!

This Navarre Florida home is offered at $129,900



It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Thursday, November 19, 2009

Florida Homeowners Facing Foreclosure - Attorney General is Calling Out Lenders!


The Florida Attorney General, Bill McCollum, who is also running for Florida governor, is now getting involved in the abysmal mortgage crisis in Florida. I can recount story after story of fearful homeowners who have told me their lenders would do nothing to help them save their homes. These borrowers cannot crack through the mortgage system for any intelligent discussion and solution to their personal mortgage crisis .

Apparently, Attorney General McCollum has heard the same cries. Yesterday he issued a press release and copy of letters he sent to the major mortgage servicers.

McCollum cites poor treatment and no assistance to Florida homeowners unable to pay their mortgage and facing foreclosure. He has written letters to executives of Bank of America, JP Morgan/Chase, Wells Fargo and Wachovia. Specifically, McCollum states Florida borrowers are:

Placed on hold for excessive periods when calling for help

Transferred from department to department and person to person

Forced to submit identical paperwork again and again

Forced to speak to unknowledgeable representatives

Never informed about the status of their loan modifications

Provided no avenue for complaints

Bill McCollum says these practices are “irresponsible and unacceptable”.

All I can say, is, “Hurrah, Bill!” Thank you for taking a stand with these monstrous corporations. As a Destin short sale specialist, I deal with them every day. There is no such thing as customer service and courtesy anymore. As you say, the tone is quite different from when these lenders originated these very loans.

I hope your letter brings pause, attention and ACTION from these corporations who are forcing borrowers into foreclosure.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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7239 Majestic Blvd., Hidden Bay Village, Navarre Florida - Short Sale


Your Hidden Bay Village Townhouse, 7239 Majestic Boulevard, is located in a waterfront community on East Bay. This Navarre Florida short sale home has an open floor plan. with dramatic kitchen, dining and living areas. Cathedral ceilings in the Master bedroom and in an additional bedroom, the Master also has a balcony. Community pool, dock and boat slips may be available! 4 bedrooms, 3 full baths. Hidden Bay in Navarre is a quick commute to Hurlburt Field and the Gulf of Mexico.

Offered at $147,900


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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1160 Blackberry Circle, Countrywood Estates, Baker Florida - Crestview Short Sale


Dramatic and private - this is your home in Baker Florida, in the Countrywood Estates. Stately setting on one acre lot in a lovely subdivision situated in nature. Spacious open split floor plan, inviting family area and a private master suite. The kitchen is well equipped with an island and a breakfast bar. Enjoy BBQ on the patio with the cool evening shade of the trees. Baker is part of the Crestview Florida area, and this short sale home only about 30 minutes to Eglin AFB.

This Crestview short sale home is offered at $189,900.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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04 To Be Built - Santa Rosa Beach Florida


3 Br 3 Ba / 1,527 Square Feet

A practical cottage plan with 1,527 square feet of living space, this design is far from mundane.
With comfortable living, dining and kitchen areas, 3 bedrooms and 3 baths, this cottage offers individual seclusion.

Unpretentious and endearing, this designs offers everything one would need in a coastal cottage.

On Your Lot: $168,500

Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting at $128,500 that he can build on your Santa Rosa Beach, Destin, Freeport or Niceville lot.

Or you can have your plan designed for you... even if your idea starts on a napkin!

All plans includes:

9' Smooth Ceilings
Designer Interior and Exterior Lighting
Designer Flooring
Architectural Dimensional Shingles
Decorative Kitchen & Bath Plumbing Fixtures
Designer Kitchen & Bath Cabinetry
Heating, Ventilation and Air Conditioning
Interior & Exterior Home Painting
50 Year Hardie Board Exterior Siding
Lot Preparation and Clearing.


If you have always dreamed of owning a second home in Walton or Okaloosa County, Florida, now is the time. Steve Ingram builds your home "your way" - exactly as you like. Small, big, simple or extravagant. It is up to you. If you don't currently own a lot we will find you one, too.

Wendy Rulnick is the exclusive real estate Broker for Stephen Ingram Custom Building.

Let us help build your dream.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Wednesday, November 18, 2009

03 To Be Built - Santa Rosa Beach Florida


3 Br 3 Ba / 1,395 Square Feet

Generous porch areas on two levels give this plan a sense of spaciousness beyond its 1,395 square feet of living space. The first floor features a living room and dining room combination area which includes a fireplace for style and comfort. 1 bedroom and 1 bathroom are located on the first floor as well.

The second floor features 2 large bedrooms almost equal in size and 2 full bathrooms.

On Your Lot: $148,500
Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting at $128,500 that he can build on your Santa Rosa Beach, Destin, Freeport or Niceville lot.

Or you can have your plan designed for you... even if your idea starts on a napkin!

All plans includes:

9' Smooth Ceilings
Designer Interior and Exterior Lighting
Designer Flooring
Architectural Dimensional Shingles
Decorative Kitchen & Bath Plumbing Fixtures
Designer Kitchen & Bath Cabinetry
Heating, Ventilation and Air Conditioning
Interior & Exterior Home Painting
50 Year Hardie Board Exterior Siding
Lot Preparation and Clearing.


If you have always dreamed of owning a second home in Walton or Okaloosa County, Florida, now is the time. Steve Ingram builds your home "your way" - exactly as you like. Small, big, simple or extravagant. It is up to you. If you don't currently own a lot we will find you one, too.

Wendy Rulnick is the exclusive real estate Broker for Stephen Ingram Custom Building.

Let us help build your dream.




It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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02 To Be Built - Santa Rosa Beach Florida


3 Br 3 Ba / 1265 Square Feet

A tradional porch across the front of this cottage sets the tone for this design. The spacious living room opens to the dining area.

The master bedroom is enhanced by a bay window whichs affords a sitting area for a subtly different look.

This 3 bedroom 3 bath cottage with 1,265 square feet of living space has tremendous
character.

On Your Lot: $135,500

Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting at $128,500 that he can build on your Santa Rosa Beach, Destin, Freeport or Niceville lot.

Or you can have your plan designed for you... even if your idea starts on a napkin!

All plans includes:

9' Smooth Ceilings
Designer Interior and Exterior Lighting
Designer Flooring
Architectural Dimensional Shingles
Decorative Kitchen & Bath Plumbing Fixtures
Designer Kitchen & Bath Cabinetry
Heating, Ventilation and Air Conditioning
Interior & Exterior Home Painting
50 Year Hardie Board Exterior Siding
Lot Preparation and Clearing.


If you have always dreamed of owning a second home in Walton or Okaloosa County, Florida, now is the time. Steve Ingram builds your home "your way" - exactly as you like. Small, big, simple or extravagant. It is up to you. If you don't currently own a lot we will find you one, too.

Wendy Rulnick is the exclusive real estate Broker for Stephen Ingram Custom Building.

Let us help build your dream.




It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Tuesday, November 17, 2009

01 To Be Built - Santa Rosa Beach Florida


3Br 2 Ba / 1138 Square Feet

Simplicity and versatility describe this cottage plan, a favorite of the architect's with 1138 square feet of living space.

The plans attractive, uncomplicated lines offer an ample screened porch which allow various entrances from the living room area.

Amenities include the living room with fireplace, two baths and laundry area and a third bedroom near the front which may serve as a dining area or study.
On Your Lot: $132,800

Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting at $128,500 that he can build on your Santa Rosa Beach, Destin, Freeport or Niceville lot.

Or you can have your plan designed for you... even if your idea starts on a napkin!

All plans includes:

9' Smooth Ceilings
Designer Interior and Exterior Lighting
Designer Flooring
Architectural Dimensional Shingles
Decorative Kitchen & Bath Plumbing Fixtures
Designer Kitchen & Bath Cabinetry
Heating, Ventilation and Air Conditioning
Interior & Exterior Home Painting
50 Year Hardie Board Exterior Siding
Lot Preparation and Clearing.


If you have always dreamed of owning a second home in Walton or Okaloosa County, Florida, now is the time. Steve Ingram builds your home "your way" - exactly as you like. Small, big, simple or extravagant. It is up to you. If you don't currently own a lot we will find you one, too.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Monday, November 16, 2009

00 To Be Built Santa Rosa Beach Florida


2 Br 2 Ba / 1,025 Square Feet

This winsome one story cottage plan is as complete as it is compact. Featured are a great room with fireplace, spacious master bath and sizeable laundry room.

Front and rear porch's, two bedrooms and two baths and much more are housed within 1,025 square feet of living space.

On Your Lot: $128,500

Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting at $128,500 that he can build on your Santa Rosa Beach, Destin, Freeport or Niceville lot.

Or you can have your plan designed for you... even if your idea starts on a napkin!

All plans includes:

9' Smooth Ceilings
Designer Interior and Exterior Lighting
Designer Flooring
Architectural Dimensional Shingles
Decorative Kitchen & Bath Plumbing Fixtures
Designer Kitchen & Bath Cabinetry
Heating, Ventilation and Air Conditioning
Interior & Exterior Home Painting
50 Year Hardie Board Exterior Siding
Lot Preparation and Clearing.


If you have always dreamed of owning a second home in Walton or Okaloosa County, Florida, now is the time. Steve Ingram builds your home "your way" exactly as you like. Small, big, simple or extravagant. It is up to you. If you don't currently own a lot we will find you one, too.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Don't Get Caught in the Latest Real Estate Scam


Normally, we all recognize scam emails trying to swindle money. Typically, these mass emails claim to be foreign heads-of-state who want to deposit millions of dollars in YOUR bank account. We hit the "delete" button and forget about them. Well, my office was recently targeted for a more sophisticated real estate scam. In this case, it was not just a mass email. The culprit, "Dr. Chang Wong" filled out a detailed property search form that gave us pause:

NameAddress: Dr. Chang Wong

Banshan County, Gongshu Dct, Hangzhou Zhejiang 310022

PriceRange: $500,000.00USD to $900,000.00USD

Comments: Dear Sir/Madam,

I am Dr. Chang Wong The Chief Financial Officer for Cnooc Limited, China. We are currently looking to buy a house in any nice neighborhood for our Retering president of our company.

We are currently looking to buy a four (4) to six bed rooms house with the price ranging from $500,000.00USD to $900,000.00USD and we would want to retain your lawyer in all the process buying the property e.g. documentation and payment. Please if you have properties with similar description please contact me as soon as possible so that we can make arrangement for the payment and all paper work. My client is willing to make a full payment of any choosing property. Please contact me at my email: changwong_cnooclimited@asia.com



I was not sure if this was a fake, so we initially treated the lead as real. One of my team members sent Dr. Wong a list of homes, and he corresponded back by email. He picked an $850,000 house in Santa Rosa Beach, Florida, and asked for names of attorneys to represent him. Again, communicating by email, he picked one of the local law firms and wanted to solidify a contract. All along, we were suspicious this might be a scam, but a bit optimistic. Dr. Wong could be an international jet-setter that just buys homes without viewing them, right?

The next clue that Dr. Wong might be a scam-artist came was undeniable. Read his email:





BUYER AND SELLER AGREE TO DEPOSIT $300,000.00 AGAINST THE PROPERTY, CHECK TO BE SENT BY STOCKBROKER. BUYER WILL ADD ADDITIONAL $200,000.00 TOTAL $500,000.00 THIS MONEY WILL BE USE TO BUY A NEW APPLIANCES FOR THE PROPERTY, ALL THE MONEYS IN THE LAWYER COMPANY'S TRUST ACCOUNT BUYER AND SELLER AGREE TO ALLOW THE LAWYERS TO DISPERSE MONEYS AT THE BUYERS REQUEST; A MINIMUM OF $300,000.00 MUST STAY IN THE LAWYERS COMPANY TRUST ACCOUNT UNTIL SAID TRANSACTION CLOSES. BUYER HERE BY REMOVE ANY ALL CONTINGENCIES ON SAID PURCHASE AGREEMENT

$500,000 for new appliances, Dr. Wong? With a "check" from your stockbroker, not wired funds? That some "bank" will verify as authentic? OK, hold on! Dr. Wong, appliances might only cost $10,000! Were you thinking the excess $490,000 would be wired back to you in REAL AMERICAN DOLLARS. BUSTED!!

The local attorney contacted the FBI, and we learned that Dr. Wong is really in Nigeria (where else?). Further, there is nothing the FBI can do, since it is practically untraceable and overseas.




So, be warned. I have since found Dr. Wong on other real estate sites, filling out forms and making inquiries. Don't be the one who sells him a house.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Friday, November 13, 2009

Build Your New Home in Santa Rosa Beach Florida


Build Your New Home in Santa Rosa Beach Florida


Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting at $128,500 that he can build on your Santa Rosa Beach, Destin, Freeport or Niceville lot.

Or you can have your plan designed for you... even if your idea starts on a napkin!

All plans includes:

9' Smooth Ceilings
Designer Interior and Exterior Lighting
Designer Flooring
Architectural Dimensional Shingles
Decorative Kitchen & Bath Plumbing Fixtures

Designer Kitchen & Bath Cabinetry
Heating, Ventilation and Air Conditioning
Interior & Exterior Home Painting
50 Year Hardie Board Exterior Siding
Lot Preparation and Clearing.


If you have always dreamed of owning a second home in Walton or Okaloosa County, Florida, now is the time. Steve Ingram builds your home "your way" - exactly as you like. Small, big, simple or extravagant. It is up to you. If you don't currently own a lot we will find you one, too.

Wendy Rulnick is the exclusive real estate Broker for Stephen Ingram Custom Building.

Let us help build your dream.



It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Wednesday, November 11, 2009

109 Capri Cove E., Bluewater Bay, Niceville Florida New Home For Sale


Live the life in Bluewater Bay! You can build this new Felix Beukenkamp home in Niceville Florida with your own touches! Generous 2153 square feet layout combines the privacy of a split floor plan with open living areas for great entertaining. Spacious great room and formal and informal dining areas. 10' and trayed ceilings, crown molding, Granite kitchen counters and stainless steel appliances. Gas fireplace. Sprinkler system. Beautiful wooded, buffered lot to enjoy from covered porch to rear. This Bluewater Bay home is close to tennis, golf, marina!

Felix Beukenkamp Builder uses "Green Building" practices for improved indoor air quality, hurricane mitigation, responsible use of materials (recycling), good water management, and energy efficiency. Includes 10 year Bonded Builder Warranty. Photo for illustrative purposes, to be built similar.

Offered at $325,000- custom built for you.



It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Bungalos at Sandestin, Approved for Short Sale in Destin Florida


This beautiful Bungalos at Sandestin home was just approved for short sale. Sandestin is a subdivision in Destin, Florida in Walton County. The home is scheduled to close within 30 days.

Lender: Bank of America, junior and senior liens

Hardship: Death of borrower partner

Mortgage Balance: $405,000

Sale Price: $310,000 approximately

Approval Time: 105 Days

If you need to sell your home as a short sale in Destin or Sandestin, Florida, it is best to hire an experienced short sale agent.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Tuesday, November 10, 2009

Rulnick Realty - Welcome the Holidays- Pot Luck Lunch- Open House


Welcome the Holidays!

Join us at Rulnick Realty Destin Florida

Wednesday, November 11, 12:00 noon

Open House, Pot-Luck Luncheon!

So far on the menu, we have ham, turkey, rolls, wine, beer, soda, turnips, carrots, broccoli casserole, bread pudding, green bean casserole, sweets, pie, pasta salad, sweet potatoes and more...

To our buyers, sellers, Emerald Coast Realtor friends, Facebook friends, vendors, business neighbors at Miramar Plaza and ALL OUR FRIENDS!

Bring a dish and join us for some merriment!

Address: 12889 Emerald Coast Pkwy. Ste 107-A, Destin, Florida 32550
We are 2.5 miles east of Destin Commons and the Mid-Bay Bridge, on the south side of Highway 98 in the Miramar Plaza.

Telephone 850-650-7883

We look forward to seeing you!


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Monday, November 9, 2009

Talon Way, Eagle Bay, Santa Rosa Beach Florida Short Sale


Bright, happy home at 42 Talon Way is a short sale located in quiet subdivision of Eagle Bay, in Santa Rosa Beach Florida. Wonderful outside spaces include front porch, patio and large balcony off master bedroom. Elegant landscaping with palm trees, brick pavered driveway. Impressive entry looking up to second floor. Ample great room with fireplace. Kitchen has granite counters and breakfast bar. This Santa Rosa Beach short sale home is near the local's favorite, "Love Shack" restaurant with pool membership available. 10 minute drive to Grand Boulevard, Baytowne Wharf. 15 minutes to the beach, Destin Commons! Built in 2007, over 2100 square feet.
Santa Rosa Beach Short Sale Offered at $217,700.


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Saturday, November 7, 2009

PHH Competes for Top Spot in "Worst Short Sale Lenders" of the Year



PHH Mortgage is vying for Top Spot in my yearly list- "10 Worst Short Sale Lenders". PHH is a servicer of mortgages for companies such as Merrill Lynch Credit Corporation, Provident Bank, UMB, Bank Atlantic, Banco Popular, etc. Their poor service prompted today's email to the negotiator for a Niceville Florida short sale:

To: john.negotiator@mortgagefamily.com
Cc: terence.edwards@phhmail.com
Subject: Short Sale - 0022940
Importance: High

Hello Mr. Negotiator,

I am following up on VA Borrower, John Doe, short sale 0022940... I was told you are now assigned to this file.

This short sale has been in process for 8 months.

I was told it was "escalated" to you on October 19.

The buyers, waiting since March 20, need to close asap.

On July 17, Joe Smith of PHH, counter offered the contract price and HUD line items, and asked for the closing date to be revised THEN to August 31.

We complied, the buyers agreed to the new price and terms, and the HUD was sent to your company with a closing date of August 31 as requested.

ALMOST THREE MONTHS have passed since that date.

Is the end in sight?

Thank you,


It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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Thursday, November 5, 2009

East Pass II, Holiday Isle, Destin Florida Condo - Destin Short Sale


This East Pass Towers II condo on Holiday Isle in Destin Florida is a stunner! You will have great views of both Destin harbor and the pass from two unique balconies! Upgrades galore including a spectacular kitchen for the gourmet - miles of granite counters for buffet line, baking or Top Chefing. All new appliances 2006, custom designed Kohler sink. Wetbar with bowl sink, silver leaf backsplash, silver leaf ice maker. Bamboo-look columns and bamboo floors (2006), designer lighting, pulls, faux paint add drama. Private master suite. Secondary bedrooms have separate doors to balcony. Tons of storage, pantry, shelving makes this Destin short sale condo more like a home. Armour Screen brand hurricane protection ($10,000) for see-through protection from wind. East Pass Towers is located on the end of Holiday Isle. This Destin short sale condo setting offers sparkling views of A.J.'s, harbor lights and the pass to the Gulf of Mexico. Destin beach is at your feet, as this condo is right on the water! Destin short sale offered at $475,000


When selling your Destin short sale property, hire an experienced short sale specialist.



It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

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