You may be asking yourself, “What the heck is a blog?” Well, let me tell you. A blog is what I describe as a  “living and breathing" website. It’s a place where information is shared in a more personal way and it’s updated more frequently than a web site. I will be writing new articles (posts) on this site 2 to 3 times a week. I use this site to write about anything and everything related to Real Estate. Or I may just tell you something about myself. By reading my blog posts you will get a real good idea of who I am and how I conduct my business. It will also keep you updated on market conditions in Central Fl.  

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Short sales are a major part of the Central Florida Real Estate Market and, in my opinion, will become even more prevalent over the next few years. Lenders WANT to do short sales. A successful short sale cuts losses and keeps the lender from owning a declining asset. 

This post is about taking control of the short sale situation from the get go, knowing what we are doing, preparing the Seller in advance of what to expect and being strong enough in our negotiation skills so we do not have to accept whatever bone the banks want to throw us.

Here are a few of my thoughts:

• With a short sale we are submitting CONTRACTS, not offers, to the lenders. We are not asking them to accept an offer we are asking them to accept a “short” payoff so a contingency can be removed from the CONTRACT and the deal can close. Anyone who submits an offer to the lender to see if they will accept it does not know how to handle short sales and is wasting time and clogging up the system.

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2728 SEQUOYAH DR
HAINES CITY FL 33844

Folks..if you want room to roam this could be the home for you. Beautifully maintained 5 bedroom 3.5 bath home that sits on almost a 1 acre lot in an exclusive gated community. Circular driveway, covered front porch, landscaped lot, in ground solar heated pool… ….and so much more. Home features formal living and dining rooms, huge eat in kitchen, a bonus room off the kitchen, family room, downstairs master suite, 4 additional bedrooms and 2 baths upstairs, detached RV garage, attached 2 car garage, solar heated in ground pool and the list goes on and on. You really just to come see this one.

CLICK HERE TO MAKE AN OFFER ON THIS PROPERTY

Copyright © 2008 http://www.brokerbryant.com/ | All Rights Reserved

Purchasing Florida Foreclosures

So…..you want to buy a foreclosure? Here are a few things you need to know.

When offers are made we have to present either a pre-approval letter from your lender and/or proof of funds i.e. bank statement or certified letter that funds are available from a credit line. A deposit of $1,000 to $5,000 in certified funds will be required. 

If you need to finance, the seller (bank), may require you to be qualified through their preferred lender. You don’t have to use them but you may have to be qualified through them. 

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Thank you for visiting our website and enquiring about Florida Foreclosure and Investment Properties on Rightmove.co.uk. In order for us to better serve you, please take a couple of minutes to REGISTER FOR PROPERTY DETAILS HERE.

Registering will ensure that you are getting updates only for properties that interest you. There are currently almost 65,000 properties for sale in Central Florida. Needless to say we have to narrow down your search. 

That’s why registering is the easiest and best way to receive details for properties that meet your investment needs and budget. Here is a sampling of Central Florida Foreclosures that are available today.

Please let us know immediately if you see a property you want to purchase or if you just need additional information.  We are looking forward to working with you. 

We Are At Your Service

CENTRAL FLORIDA REAL ESTATE SHORT SALE INFORMATION

POINCIANA FLORIDA REAL ESTATE MARKET REPORTS

MAKE AN OFFER ON ANY FLORIDA PROPERTY LISTING HERE

MORE INFO FROM BROKER BRYANT… THE SOURCE FOR POINCIANA REAL ESTATE

Copyright © 2008 http://www.brokerbryant.com/ | All Rights Reserved  

What goes in the Hardship Letter? 

This outline will help you prepare your hardship letter. The sample answers are to assist you NOT to just be copied. Your hardship letter should only contain facts. Just be honest. Your goal is to explain to your Lender why you can no longer make the payments for your property. This letter should be handwritten and legible. 

TO: Countrywide Mortgage

FR: Paul and Suzie Helpus

RE: 1234 Lost Value Ave. Poinciana FL 34759

LN#: 34578903

First Paragraph-Explain what you want.  

• We are requesting that you approve us for a short sale of our loan with your Company.
• We are no longer able to make the payments and have been trying hard to sell the property.
• We love our home but due to circumstances beyond our control we are no longer able to pay for it. 

Secondly, describe your hardship 

• What led to your current financial problems and caused you to miss mortgage payments?
• What caused your hardship?
• Did you lose your job?
• Did your current job require a transfer?
• Illness?
• Death?

Be very specific. Remember you are trying to get your Lender to accept a loss. Be honest and be thorough.

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Located in Haines City Florida

Affordable Lakefront. 1/4 acre lot on Lake Ellen. Fish from you own dock or swim in the above ground swimming pool. Very well maintained home with separate work shop. All fenced and landscaped. Live the easy life. Well with water purifying system installed in 2007. Septic. Ceiling fans, newer appliances, smoke detectors, screened and covered front porch overlooking the lake and much much more. Take a look….you’ll be pleasantly surprised. I promise!!!

What is a hardship and why do I need one? 

A Short Sale is one of several pre-foreclosure remedies. In order to request a Short Sale, from your Lender, you must have a hardship AND you have to be able to prove it. It has to be a legitimate hardship. 

Noun
1. conditions of life that are difficult to endure
2. something that causes suffering 

A hardship is anything that makes it where you can not afford the payments on your house. A hardship is something drastic that has happened to your financial situation since you borrowed the money. You borrowed the money and you agreed to pay it back. Now you can’t. Notice I said CAN’T….not WON’T. Can’t is a hardship. Won’t is a deadbeat. 

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What is a Short Sale?

A Short Sale is when you need to sell your property but the amount owed exceeds the value of the property AND you are asking the lien holder (lender) to accept less as payment in full. You are asking your lender to accept a “short” payoff so you can sell and they can avoid the expense of a foreclosure. 

For example: You bought your house in 2005 and paid $250,000 for it. You mortgaged $230,000. You can no longer afford to keep the house because of a legitimate hardship. You MUST sale or you will be foreclosed on. 

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