Friday, September 21, 2012

Holiday Shores, Miramar Beach FL - Short Sale Approved - Citi


Holiday Shores short sale
This Miramar Beach home at 897 Shore Drive was just approved for short sale by Citi and Green Tree. It was a beautiful home, so went under contract quickly (AND got a speedy approval).
Senior Mortgage: CitiMortgage
Balance: $285,000 appr
Junior Mortgage: Green  Tree
Balance: $60,000 appr
Current Market Value:  $180,000 appr
Days for Approval: 45 days total
Seller Contribution: -0-
Notes: Citi speedily approved this short sale in about 30 days. After the seller provided all the standard documents, including tax returns, IRS 4506-T, hardship letter, bank statements and proof of income, the file was assigned to a specialist.  Citi agreed to pay Green Tree $6000. Green Tree approved the file in a total of 45 days. Green Tree recovery department initially handled the file, and requested the seller schedule two payments, which is unusual in a short sale, but sometimes seen when the file is in “recovery”.  All in all, it was a very quick process from both Green Tree and Citi, and the seller has no deficiency judgment.
If you need to short sale your Miramar Beach Florida home, hire an experienced Miramar Beach Florida 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

Monday, September 17, 2012

Kelly Plantation, Destin FL - Bank of America HAFA Short Sale Approved


Kelly Plantation Short sale
 
This home in Kelly Plantation, Destin Florida has been approved as a Bank of America HAFA short sale.  What is HAFA? It's the U.S. Treasury's “Home Affordable Foreclosure Alternatives Program”Kelly Plantation, Destin Florida short sale sellers might also be eligible for HAFA and Bank of America cash incentive paid to them at closing of several thousand dollars.
 
ARE YOU ELIGIBLE?
You might be eligible for HAFA if your lender, like Bank of America, participates in the Home Affordable Modification Program (HAMP), and your mortgage is not underwritten by Fannie Mae or Freddie Mac. (Fannie Mae HAFA and Freddie Mac HAFA have separate guidelines.) HAMP offers you the opportunity for assistance by lowering your payments or delaying payments to keep you in your home. You must meet the HAMP requirements as follows, to be part of HAFA, whether or not you choose a modification. These qualifications are:
 
1) You have missed payments or are about to default
2) You got your primary mortgage before Jan. 1, 2009 
3) You are a natural person  (not a corporation, partnership, LLC etc)
4) Your mortgage is for a one- to four- unit residential property.
5) Your property has not been condemned.
6) Your current unpaid principal balance is less than or equal to $729,750 for a one-unit property
7) You must not have been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction.
 
 
If you own in Kelly Plantation, Destin Florida, and are considering short sale to avoid foreclosure, call me at 850-650-7883 ext 204 or email itswendy@rulnickrealty.com  
 
It's Wendy!
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204

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Tuesday, September 11, 2012

Want to Sell? Don't Be Seen or Heard (and Your Little Dog, too)


Destin home selling tips
I always advise my sellers to leave the house when there is a showing. That philosophy was recently reinforced to me when I was house-shopping in Destin, Florida. I set an appointment to view a home for myself and my husband. The house would be vacant and open for us, according to the listing agent. We drove up, parked in front and went to the door. I gave a courtesy “knock” before turning the handle, then heard dogs barking. Not a good sign.
The seller answered the door, holding back several large jumping dogs. Here is what I was thinking as the “buyer”.
Dogs! All I see are dogs trying to jump on me! Where is the house? I wanted to relax when I walked in, taking in the feeling of the home.”
Next, the seller pulled the dogs away, introduced herself, and said she could hold them while we “started” in the kitchen, then she would lock them in there.
“Great! I have to look at the kitchen first. I cannot even look at the foyer. Oh, she’s not leaving. She’s going to stay during the showing. Wonderful. I haven’t had a chance to think about the house since she answered the door.”
We hustled through the kitchen, knowing the seller was making an effort to controlDestin home selling tips her dogs. I didn’t like it. I couldn’t verbalize my thoughts to my husband, as the seller was within ear shot. After she put the dogs in the kitchen she proceeded to tell us about all the improvements to the house. That's when I noticed the music... I suppose it was what the seller liked.
“What is that blaring music? I just want to look at the house.”
She followed us from room to room. When I needed to tell my husband something privately, such as a remodeling idea, I would waive to him to follow me. I think the seller thought it was odd. When we got a one minute "break" it was a lot. We learned the cost of construction of the home, and what a great value it was. We couldn’t “re-build” it for that price, we were told. And on and on.
When we left, we eliminated the house. If the seller hadn’t been there, it would have made a better impression. With the seller there, it took away the buyer’s free “eyes” for the property. The dogs and distraction immediately upon entering were another “take away”.
If you really want to sell your house, don't be present during showings. Don’t meet and greet the buyers, “while” you are leaving or taking the dogs out. You should already be gone. Don't play your music. If you have to be home, don’t be seen or heard, just be "sold".
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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Tides at Tops'l Miramar Beach Florida #108


 Tides at Tops'l
Gated Miramar Beach Florida Tides at Tops’l unit 108 condo for sale - Tops'l Beach and Racquet Resort, is the 15 story Gulf-front development. This large 2 bedroom unit has an understated beach feeling, yet with a sophisticated look. A place to call home with a limited gulf-view or as an investment with rental options. Sleeps 6 and sold fully furnished and rental ready. A must see ...priced well below all other options. Tops'l Beach and Racquest Resort has tennis and other luxury amenities. It's right near Sandestin, Baytowne Wharf, Grande Boulevard, Silver Sands, Destin shopping and more!
Miramar Beach Florida Tides at Tops’l unit 108 condo offered  at $327,000
Tides at Tops'lTides at Tops'lTides at Tops'l
Tides at Tops'lTides at Tops'lTides at Tops'l
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, September 5, 2012

1237 Ego, Countryview Estates Crestview FL Short Sale


Countryview Estates Crestview
Brick VA Compromise Sale Short Sale home in Countryview Estates, Crestview Florida south of I-10 with contemporary appeal! Home at 1237 Ego Drive has a great floor plan, touches like plant ledges, half wall, cathedral ceiling. Tasteful colors. Kitchen has tile backsplash, eat-in area and gorgeous wood laminate floors! Master bath has double vanity and two walk-in closets. Private master in split floor plan design. Roomy covered patio in back. Storage shed in back yard. This Crestview Florida VA Compromise Sale is perfect for commuting to Eglin Air Force Base and Destin Beaches.
1237 Ego Dr., Countryview Estates, VA Compromise Sale, Crestview Florida - offered for $144,900
Countryview Estates CrestviewCountryview Estates CrestviewCountryview Estates CrestviewCountryview Estates CrestviewCountryview Estates CrestviewCountryview Estates Crestview
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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