Tuesday, August 30, 2011

1201 Windward Ci., Bluewater Bay, Niceville Florida short sale

Bluewater Bay short sales
Lovely Mediterranean home located in the gated neighborhood of Windward at Bluewater Bay, Niceville, Florida. This short sale has beautifully manicured trees, bushes and tropical plants highlighting the white stucco and red tile roof. The interior is spacious and bright with vaulted ceilings in every room. Terra cotta Mexican tile and wood flooring throughout with beautiful marble tile in the master bedroom and bath. The living room features a fireplace with a blower and custom built-in book shelves. The adjoining den has a sink and bar opening into the living room area, perfect for entertaining. The dining room is bright and airy. The open kitchen has tile countertops with lots of surface space, a built-in breakfast table and beautiful custom cabinets. A tiled Florida room with sky lights is off the dining room that leads to an open deck in the large private backyard. The master bedroom has soaring ceilings with sliding glass doors leading to a second deck in the back. Master shower has in-laid tile and two shower heads. This Windward home in Bluewater Bay opens you to a host of amenities. Join one of the numerous recreational clubs - golf, swim, play tennis and more. Niceville Florida is about fifteen minutes to the Destin beaches, too!

1201 Windward Ci., Bluewater Bay, Niceville Florida short sale

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Monday, August 29, 2011

Beach House 501A, Destin Florida Short Sale Condo



This Beach House condo for sale in Destin Florida is a pre-foreclosure short sale. It comes with 650 feet of beach frontage and views that just go on and on and on. With 18 inch tile set at an angle throughout the kitchen, dining and living rooms and beachy decor, this unit will attract many renters. Sit on your balcony and watch sunrises and sunsets over the Gulf of Mexico. Or walk a few sandy steps and sit with the tide lapping at your feet, under an umbrella. Take advantage of the on-site tennis, exercise room, pool and children's pool.

Beach House Condo is well-located in Destin Florida. Shop at nearby Silver Sands, Grande Boulevard, Village of Baytowne Wharf, Destin Commons. This great investment can also help pay for itself with rental income.

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Larry Hughes Joins Rulnick Realty, Destin Florida


Larry Hughes
Larry Hughes has joined Rulnick Realty in Destin Florida as Buyer Specialist. Licensed as a Realtor in 2003, he is experienced throughout Okaloosa and Walton counties. Larry is a Graduate of the Realtor Institute and very methodical in his business of finding the perfect property for his clients.
As a licensed Florida state-certified residential contractor, Larry has built custom homes full time for several decades. He knows homes, commercial properties, condominiums and land. He has the diligence to assist first time buyers, as well as the experience to represent savvy investors. 
A 21 year Destin resident along with his lovely wife, Larry has energy and enthusiasm to spare. Still a boy at heart, he loves cars, motorcycles and boats. Woodworking, fishing, music and amateur guitar are additional passions.
850-650-7883 ext 208 
Rulnick Realty, 12889 Emerald Coast Pkwy Ste 107-A, Miramar Beach FL 32550 

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3112 Hickory St., Navarre FL - Short Sale - Waterfront Acreage


Navarre Florida short sales
If you love nature, this is your home at 3112 Hickory St., Navarre Florida! A short sale, it has 2.5 acres on small bayou that goes to East Bay.  Set deep on a wooded lot, this Navarre home feels like a rustic cabin in the woods. Inside find a cathedral ceiling, pine board walls, and stone fireplace and hearth. The second floor is a roomy loft. Florida room and porch offer places to listen to birds and the wind in the trees. There are two outside buildings for work or hobby shops. Two car carport. There is an existing survey that can be used by the new owners. Needs yard work and updating inside,and there is an old dock to the water that needs repair.  This Navarre Florida bayou front location is close to Hurlburt Field, public boat launch, and the Santa Rosa Sound.

3112 Hickory St., Navarre FL - Short Sale - offered for $132,900

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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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Why Are They Still Foreclosing When You Have a Short Sale Contract?


Bank of America short sale


One of my short sale sellers called me confused the other day.  We had his Santa Rosa Beach Florida home under contract as a short sale.  The mortgage holder, Bank of America, had approved the sale recently, and we were moving toward closing.
"Why is Bank of America still sending me letters threatening foreclosure of my Santa Rosa Beach home?" he asked, "They've approved the short sale!"

Why would they?  I emailed Bank of America to get their official response. Here is what they said:

"I
f the loan is delinquent and has entered the foreclosure process it continues, if a sale date occurs while we are working on the short sale we can request postponement from the investor but there is no guarantee of approval. "
 
What does this mean?  "Sale date" means foreclosure sale date.  Bank of America says they don't stop the foreclosure process automatically if a short sale is approved.  Well, why not? Here is why: What if the buyer's loan is denied? What if the buyer doesn't close? What if the seller changes his mind? There are a lot of reasons why a short sale, or any property, might not close.  If Bank of America stopped their foreclosure process for every instance of short sale approval (or even short sale contract), they would surely lose time waiting for a sale that might never happen.

What is the upside of Bank of America and their investor's policy? They normally will postpone a foreclosure sale within a few days of short sale closing, but not always.

What should you, as a Santa Rosa Beach Florida homeowner, do when you are facing foreclosure?  There are many options available. You can ask your lender for a loan modification, forbearance or a repayment plan.  If that is not possible, and you cannot keep your home, there are different types of short sale programs that might work for you, for example: HAFAFHA Preforeclosure, Bank of America Co-Op, VA Compromise Sale and many more.  Be sure to consult with a Florida real estate attorney and hire a Santa Rosa Beach short sale agent.  You may be able to avoid foreclosure, and rebuild your financial position and your life more quickly than you think.
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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Indian Lake Condo, Destin Florida - Bank of America Coop Short Sale


Indian Lake condos, Destin FL 
This Indian Lake condo in Destin Florida is a Bank of America Cooperative Short Sale. What is that? It means the list price and the seller have been pre-approved for short sale. Bank of America's coop short sale program is an alternative to HAFA, which is the Treasury Department's Home Affordable Foreclosure Alternatives program.
One of the key differences between HAFA and the Bank of America Coop short sale program are the qualifications. HAFA restrictions don’t normally allow investment properties to qualify for the program.  Bank of America’s Coop program does accept investment properties. Some of the other key differences are: Coop will allow loans over $729,750, loans originating after January 1, 2009, and a lower debt-mortgage payment ratio for applicants. In addition, the Coop program offers a $2500 relocation incentive to homeowners upon closing.
What are the benefits of Bank of America’s Cooperative Short Sale?  A seller may apply prior to listing his property.  If you are an agent who has listed a Bank of America short sale, you can start the qualification process by going to Equator and “initiating” a short sale before you have a contract.  Bank of America will start the review process to see if your seller qualifies. This saves time in the end, as Bank of America will offer pre-approved pricing and cut down on post-contract paperwork from the seller.
This Indian Lake condo in Destin Florida was pre-approved for Coop Short Sale prior to listing.  Bank of America’s price, $61,800, is very competitive. In fact, I've already received an offer on it, the first day of listing.
If you are considering short sale to avoid foreclosure in or around Destin Florida, there are many options available – HAFAFHAVA CompromiseCoopHAP and more.  Contact me if I can help.
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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Beach House Condo 602C, Destin FL 32541 - Gulf Front Condo for Sale


Beach House condo Destin FL 
Another Beach House gulf front condo for sale in Destin Florida! Unit 602C comes with 650 feet of beach frontage. You won't believe the commanding views from this top floor unit. Positioned directly over the pool and beach walk-down, watch as the surf hits the white sand of the Emerald Coast. Sit on your Beach House balcony and watch sunrises and sunsets over the Gulf of Mexico. Or walk a few sandy steps and sit with the tide lapping at your feet, under an umbrella. This unit has not been rented since this owner's has had it (1991), so is in great shape! At over 1000 square feet, this two bedroom unit is spacious enough to bring your friends and family.
Beach House offers tennnis, work-out room, community room, game room, pavilion, pool and kiddie pool! This Destin Beach House Condo has a great location in Destin Florida. Shop at nearby Silver Sands, Grande Boulevard, Village of Baytowne Wharf, Destin Commons. 
Beach House condo 602C, Destin Florida - Offered for  sale for $325,000.
Beach House condo Destin FLBeach House condo Destin FLBeach House condo Destin FLBeach House condo Destin FLBeach House condo Destin FL

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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Freeport Florida Multiple Housing Subdivision - Income Producing Business


You will be amazed at this income producing residential project in Freeport Florida.  Where can you find a 5.4 acre piece with 31 individual homes, all rented?  This Freeport rental housing complex has 100% occupancy with waiting list. All 31 detached homes have 3 bedrooms and 2 baths.  They attract tenants with vaulted ceilings and tile, laminate and carpet floors. All have fully applianced modern kitchens.  Ceramic tile in kitchen, dining, entry and baths. Each home has private driveway and covered entry. These residences are close to Freeport Elementary School, and only approximately. 12 miles to Hwy 98 and South Walton Beaches and 30-A.  Destin, Santa Rosa Beach, Crestview and Niceville Florida are all within commuting access to this great Freeport business.

Freeport Florida income producing housing complex offered at $2,800,000.00.
Freeport Apartment complexFreeport Florida income producing propertyFreeport Florida income producing propertyFreeport Apartment complexFreeport Florida income producing propertyFreeport Apartment complexFreeport Florida income producing propertyFreeport Florida income producing propertyFreeport Florida income producing property

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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Hurricane Preparedness from a Destin Floridian


Hurricane preparedness
Hi, my East Coast friends! We are all worried about Hurricane Irene, and the possibility you will be impacted.  I have family in Connecticut, Maryland and New Jersey, and real estate friends from all over the Eastern seaboard. You may not have gone through  a major hurricane in your lifetime.  Since I have lived in Destin Florida for the past 16 years, I have experienced several. 
Here is my urgent hint list for hurricane preparedness.
PETS: Cats, dogs, snakes, parakeets?  Make sure you have carriers for them  if you have to evacuate.  Get any extra medication or tranquilizers for car trips.  Map out a hotel that accepts pets if you need to go.  Many LaQuinta hotels accept pets.
INSURANCE: Take photos of all your belongings and download to a CD or thumb drive. Open drawers and closets. Photograph contents. You may need these for insurance claims if your property is damaged.
IMPORTANT PAPERS: Gather up your wills, powers of attorney or any legal document that may not be readily accessible online. Have ready in a pouch to evacuate.
ICE: If you have an automatic ice maker in your freezer, empty it and/or turn it  off.  If not, it will be melted all over your floor if you lose power for more than a day.
PERISHABLES:  Limit perishables in your refrigerator or freezer.  You will have to discard if you lose safe temperatures in them.
PROJECTILES: Bring in your lawn chairs, tables, wind chimes, real estate signs, etc.  Prevent them from becoming airborn projectiles into your home or a neighbor's.
HOTEL: Make reservations now if you are in a threat zone.  Hotels may be booked for hundreds of miles around you. 
GAS: Fill your car up with gas now.
PLYWOOD: I am not technical, but consider protecting your windows by covering with plywood. I’ve seen masking tape in an “X” on windows, but am not sure how much that helps.
MEDICATIONS: Get your refills now.
COMPUTERS:  Back up your systems to a hard drive or bring them with you. Check out Acronis software to make a mirror image of your computer.
If you have not gone through a hurricane before, please take it seriously. I’ve had my Florida friends and relatives with water up to their ceilings, actively leaking roofs, damage through windows from flying objects.  I always evacuate if a hurricane is a Category 3. Always.  It is not just a little windstorm.
If you have survived a hurricane add your hints here. Take care, my friends.
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, August 8, 2011

2022 Eagle Ln, Holley by the Sea, Navarre FL - VA Compromise Sale


Holley by the Sea short sales
Lovely, private brick home at 2022 Eagle Lane, Navarre FL. This VA Compromise Sale home in Holley by the Sea has a huge fenced yard at end of cul-de-sac. The inside is open and airy with vaulted ceilings and lots of tile floors. The kitchen is loaded with counterspace and cabinets, and has pass-through to dining room. Lovely master suite features trey ceiling, double French doors, walk-in closet, berber carpeting, garden tub with glass block window. The master opens to a covered patio with brick columns. Back yard is enormous with a nature area adjacent, orange and grapefruit trees, and tons of room to play! Holley by the Sea has plenty of amenities, including access to the Santa Rosa Sound, a recreation center with gym, three pools, eight tennis courts, basketball The new owner of this short sale home at 2022 Eagle Lane will be able to take classes, join the fishing club, picnic, camp and play in Holley by the Sea.

2022 Eagle Lane, Holley by the Sea, Navarre FL - offered for $168,500
Should you sell your home as a Navarre Florida VA Compromise Sale?
Holley by the Sea short salesHolley by the Sea short salesHolley by the Sea short salesHolley by the Sea short sales
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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834 Church St., Santa Rosa Beach Florida 32549 - Short Sale


Santa Rosa Beach short sales
If you are looking for a Santa Rosa Beach Florida home with lots of pizzaz, this is it! 834 Church St., in Pleasant Acres is a "wow" house! Very impressive upon entry, with expansive columned living room, crown moulding, richly colored wood floors and transom windows. The kitchen has granite counters, stainless appliances, convection oven and bright window over the sink. There is a built-in desk/workstation next to the big eat-in area. The master bedroom has a large private balcony, with an enormous, luxurious master bathroom. There is another large balcony for the other two bedrooms, and deck overlooking the woods. This Santa Rosa Beach home on Church St. is a few minute drive to public beach access on the Gulf of Mexico. There is a Publix and Walmart nearby, as well as upscale shopping on Grande Boulevard and Destin Commons.
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834 Church St. South, Santa Rosa Beach FL short sale home - $199,000

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, August 5, 2011

552 Woodlow Rd, Niceville, FL 32578 - Creekside Short Sale Home for Sale


Creekside Niceville homes
Wonderful Niceville Florida short sale home at 552 Woodlow Road! This 4 bedroom, 2 bath house is located is the quiet neighborhood of Creekside. This home has received a lot of tender loving care. There is tile in the kitchen and breakfast area and tile countertops. The living room has a floor-to-ceiling brick, wood-burning fireplace, and French doors to the large fenced yard. New roof installed November 2010. The Creekside neighborhood in Niceville is a few minutes away from Eglin Air Force Base or Duke Field. Destin beach are about a twenty-five minutes drive. There is one lienholder on this property, Bank of America.

Learn how to buy a Niceville short sale.

552 Woodlow Rd, Niceville, FL 32578 - Creekside short sale - $107,900

Creekside Niceville homesCreekside Niceville homesCreekside Niceville homesCreekside Niceville homes
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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The Oaks, 1501 Partin Dr., #233, Niceville FL 32578 - Short Sale Condo


The Oaks Niceville
Charming Niceville short sale condo in the popular development of The Oaks. The location is premium with Eglin Air Force Base less then 15 minutes away, and less than 1 mile to the Elementary, Ruckel and Niceville High Schools. The large living room features a vaulted ceiling and balcony. There is tile flooring in the kitchen, foyer and bathrooms. You'll find plenty of room in the dining room and the bright kitchen. For relaxing, take a plunge in the community pool, or medidate in the gazebo. Built in 2002, The Oaks short sale condo is about 1000 square feet, with two bedrooms and two full baths.
The Oaks, 1501 Partin Dr., #233, Niceville FL 32578 - offered for $89,900
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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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