Solivita. A Baby Boomers Paradise

Posted by admin January - 29 - 2013 - Tuesday ADD COMMENTS

I’m a Baby boomer. I’m one of over 68,000,000 million Baby boomers born between 1946 and 1964. I was born in 1957.

Baby boomers control over 80% of personal financial assets and more than half of all consumer spending. We buy 77% of all prescription drugs, 61% of over-the-counter drugs, and 80% of all leisure travel.

And……according to the 2011 Associated Press and LifeGoesStrong.com surveys:

  • 60% lost value in investments because of the economic crisis
  • 42% are delaying retirement
  • 25% claim they’ll never retire (currently still working)

As a Baby boomer myself I can relate to each of the above. My wife and I lost just about everything during the financial crisis of 2008.

Retirement is a pipe dream. Mostly because I’m self employed and really have no reason to retire. I work from home and truly enjoy what I do.

The Lovely Wife and I moved into SoliVita, an over 55 active adult community in mid 2010. Our last house was way too big and keeping up with it was becoming a burden. So we downsized. We moved to one of Florida’s World Class Active Adult Communities, SoliVita.

Making the decision to downsize and move into a Florida over 55 active adult community was one of the best decisions we have ever made. Since moving here our lives have changed for the better.

We get more exercise, eat better and relax more. We spend more time outside enjoying all of the amenities in SoliVita.

At age 55 we are in the best shape of our lives.

Getting old does not have to suck. It can truly be the best time of your life.

Can we help you with your SoliVita Real Estate needs? New and resale homes available from low 100s to high 400s.

The Fear Of The Solivita Short Sale

Posted by admin May - 27 - 2012 - Sunday ADD COMMENTS

As you may know, I list and sell a fair amount of Short Sales in Florida. One of the many issues I face is Sellers who are all gung ho about doing a Short Sale and then they disappear.

At any given time I could have a dozen listing packages out there that I am waiting on to be completed and returned. The Sellers and I have spent time on the phone discussing their situation and the way forward. All that’s left is for them to complete the paperwork and get it back to me.

Then…nothing. Nada. Zilch. No response and no returned calls or emails.

Why does this happen?

My opinion is that it happens due to fear. Fear of losing their home. Fear of needing to move. Fear of incurring moving expenses and rent payments on top or an already bleak financial situation.

Some of these folks haven’t made a mortgage payment in a year or more. Once the Short Sale is completed the living for free is over.

Fear of uncertainty. Not knowing if the Short Sale will succeed. Knowing that once they make the decision to move forward they are venturing into the unknown.

Fear of taking action. Not taking action can be comfortable.

Fear of being looked down on. Doing a Short Sale means admitting you are in trouble financially. The neighbors will know.

These are just a few of the reasons why taking the next step towards doing a Short Sale can be difficult.

Having been through two Short Sales myself I can relate to each and every one of these.

Making the decision to Short Sale our properties was very difficult. It was humbling. We lived in a small town at the time and I was supposedly a successful Real Estate Broker.

I feared knowing that my peers would see my properties on the market as Short Sales.

I feared my business being affected because of it. Of course business was already in the toilet so it couldn’t have gotten much worse. So my fear was really just my ego getting in the way..

BUT……in spite of my fears I made a decision to move forward with the Short Sales. As soon as I made the decision I felt better. In fact I felt smart! Smart to be taking action and smart to be unloading a “thing” that was just harming me and my family.

It was freeing. I took control of the situation and conquered it.

Today, almost 3 years later, I look back and see that my decision to get my ego out of the way and solve the problem was the best thing I have done in a long time.

Being able to relate to others who are facing Short Sales because I have “been there done that” has caused my business to explode!!

There is life after a Short Sale. And I truly believe you will find life to be much more fulfilling than it was before. So set your fears aside and take the plunge.

Use the Short Sale as a fresh start. Truly explore why you are in this situation and then make changes so it doesn’t happen again. Don’t let your ego stand between you and your new simpler future.

And that’s all I have to say about that. What say you?

Should I Buy A Car Before Doing A SoliVita Short Sale?

Posted by admin December - 10 - 2011 - Saturday ADD COMMENTS

Hi folks. Recently I have had several SoliVita Short Sale sellers ask me the same question…..”We need to replace our car. Should we do that before we go through the short sale process?” The concern is that once they go through the short sale their credit will be dinged and financing an automobile will not be easy. One is even paying cash and is concerned how it will look that he went out and spent $15,000 cash on a car and then turned around and asked the lender to accept a short sale.

Interesting question. And one that certainly shows that we are in a different stage of the short sale wave. The Short Sale Sellers mentioned above do not have cut and dry hardships. They are current on payments and have great credit scores.

The first wave of short sellers that started mostly in 2008 were distressed sellers. Property owners that could no longer afford to make their mortgage payments. The next wave were folks that had adjustable rate mortgages that were resetting and they couldn’t refinance as promised when they took out their mortgages.

The current wave is made up of folks that just need to sell but can’t because their properties are too far underwater. They are current on their payments and are not in foreclosure. They could continue to make payments. BUT….they have to move.

Their family has out grown the property. They have a job transfer. Or they are strategic short sellers.

Their situations are different than the first two waves of short sales…

So……should they go out and replace their car prior to doing the short sale? It depends. My response to them is……..

  • “If replacing your car is something you would be doing even if you weren’t getting ready to do a short sale then, yes, go ahead and do it. If dependable transportation is needed for job purposes then, yes, go ahead and replace it now. Do what you need to do to make sure your family is taken care of. BUT…be able to defend your position if the lender ask you about it. Be able to show that buying a car was needed and not just wanted. And…..be prepared to make a cash contribution towards the short sale lender’s loss.”

This is my opinion. What’s yours?

Do you need help with your SoliVita Short Sale?

Do You Need A SoliVita Short Sale Specialist?

Posted by admin November - 27 - 2011 - Sunday ADD COMMENTS

Am I a Short Sale Expert? I don’t think so. Even though my new CDPE designation says I am!!! Yes that’s right I am now a Certified Distressed Property Expert (R).

VISIT MY SOLIVITA SHORT SALE INFO SITE

As you may know, my partner Wendy Rulnick and I own the most active Short Sale Network in the World at ShortSaleSuperstars.com and we have been teaching agents how to do short sales for several years now. BUT….we are not Short Sale Experts.

So…..we both decided to attend the CDPE classes and get our Certified Distressed Property Expert (R) designations.

Wendy took hers online and I attended the 2 day CDPE class in Orlando Florida this week. You’ll be happy to know we both “passed”!

I was the lucky one since I didn’t have to take a test. Just show up and be present for 14 hours of class and BAM!! you too can be a Short Sale Expert.

But Broker Bryant, how was the course? I’m glad you asked. I found it to be very good. The information being taught was relevant, accurate and fairly detailed. If an agent took the CDPE course, that had zero short sale experience, they would certainly be a position to help some folks avoid foreclosure. I would still recommend they have a mentor to assist with them with their first few short sales but they would at least know the process. And they would have the forms and materials to get them started.

CDPE has a very thorough package of Short Sale documents and forms that would help any agent. Lots of good questionnaires and disclosures to protect the agents and their brokers while at the same time helping to educate the Short Sale sellers.

Plus the CDPE Advanced Membership provides you with monthly marketing materials, website and continuing support for your short sale business.

So all in all my hat’s off to Alex Charfen for authoring a very excellent Short Sale Designation with CDPE. Well done Alex!!!

But please….don’t call me a Short Sale Expert. Just call me Broker Bryant, The Best And Hardest Working Short Sale Broker You Will Ever Find In The State Of Florida. Next to Wendy, of course 🙂

Do You Need To Short Sale Your SoliVita Home?

Posted by admin November - 6 - 2011 - Sunday ADD COMMENTS

You may even qualify for a cash incentive*** from your Lender to do a SoliVita Short Sale.

***These programs are not available to all Sellers and the incentives may vary from State to State.

Here are the Florida Short Sale Incentive Programs that I am aware of:


HAFA. Home Affordable Foreclosure Alternative. Lender will pay the Seller $3,000 as a Relocation Assistance. Only for primary residences.


FHA PFS. HUD Pre-Foreclosure Sale. Seller can receive $1,000 for relocation assistance. Just yesterday I received FHA PFS approval increasing the seller incentive to $4,000!! Only for primary residences.


Chase Short Sale Incentive Program for select Borrowers offering them up to $35,000 to do a short sale.


Bank of America Co-operative Short Sale. From $3,000 to $20,000 Short Sale Incentive.

Citi Bank, Wells Fargo and Ocwen also have programs available for select home owners. Amounts vary from $3,000 to $35,000. Most are in the $5,000 range.

Folks if you are behind on your SoliVita mortgage payments be sure to open any and all mail you receive from your lender. It could very well be an offer to Short Sale your property. These offers are usually time sensitive and require immediate action on your part.


But why would my Lender pay me to do a SoliVita Short Sale? That’s a good question. For one, it less expensive, for them, for you to cooperate during the Short Sale process and maintain the property than it is for the Lender to foreclose and get an abandoned property back. Also, the Lender does not want you to continue living in the property for free. They would rather pay you to do a Short Sale now than have you live there for another year or so while deciding what to do. The incentive gets you to take action.

Whatever their reason is..…it’s a good opportunity for you. Any questions?

Are you under water on your Florida mortgage?

Do NOT be foreclosed on! Avoid foreclosure. Short Sales DO close.

Want to find out more? www.CentralFloridaShortSales.com

***I am NOT an Attorney nor do I play one on TV.

Copyright © 2011 http://www.brokerbryant.com/ | All Rights Reserved

SoliVita Unveils New Model Homes

Posted by admin January - 30 - 2011 - Sunday ADD COMMENTS
SoliVita Model Home

SoliVita Floor plans

SoliVita recently hosted a Realtor(R) open house to show us their new model home park. All I can say is WOW!! The new homes are gorgeous and the prices are very reasonable. Homes starting at $126,990 for the 1,278 sq ft Marathon model up to $367,990 for the 2,980 sq ft Cordoba model.  And everything in between. 17 floor plans to choose from. Something for everyone.

The best part of course is living in SoliVita. SoliVita is Florida’s premier retirement community designed for active adults over 55. SoliVita offers 2 championship golf courses at Stonegate Golf Club. 14 heated swimming pools including the indoor aquatic center for year round water exercises and swimming.

SoliVita Amenities include: Numerous lakes and canals for boating and fishing. 2 fitness centers. Grand Ball Room. Computer centers. Library. Restaurants. Tennis courts. Pickle Ball courts. Ball field. Dog park. Shuffle board. Over 100 clubs to join. And so much more.

Folks, if you are looking to retire in Florida or just want to simplify your life then you owe it to yourself to take a look at SoliVita. I moved here in May of 2010 with my wife and have to say it has been the best place we have ever lived. I’d love to give you the tour!!

SoliVita Resales are also available staring in the 90s.

Looking for a Florida Retirement Home?

Posted by admin June - 16 - 2010 - Wednesday ADD COMMENTS

If so……why not check out Solivita? Solivita is a World class 55 and over active adult community. Solivita features single family homes from the low $100s to the high $500s. Two Championship golf courses including StoneGate. Beautiful Riviera Spa and Fitness center and so much more.

Each Solivita community has a 24 hours manned guard gate. Solivita is located in Poinciana Florida. 25 minutes from Disney World Orlando. By the end of 2012 we should have one of the most modern hospitals in Florida directly across the street from the entrance to Solivita. Buy now while the prices are good. We’d love to have you.

Now you are probably wondering what active adults do. Well check it out……

Please, help stamp out mortgage fraud, today!!

Posted by admin December - 31 - 1969 - Wednesday ADD COMMENTS

                                                                  Ok, I have been doing a little research related to my post the other day. It seems the Realtor, involved in these deals, had quite a few of these, in my opinion, fraudulent transactions. My research uncovered the fact that, this Realtor, since January 1 2006 has 7 active listings, 3 closed transactions and, are you ready for this, 74 withdrawn listings! That’s right, 74 withdrawn listings. The majority, of these were new homes purchased to be flipped.

As I had stated in my earlier post, these houses were not worth anywhere near what they were purchased for. Based on the analysis, I did today, these houses, in 2005, brand new, were worth between $195,000 and $205,000. They were being sold at $225,000 and re-listed at $265,000. So, here is what raises a red flag, to me, that mortgage fraud has occurred.

  • *These homes were purchase with as little as $5,000 down.
  • *A second home investment property almost always requires 10- 20% down.
  • *They were purchased on stated income loans.
  • *They were purchased by Buyers from out of the area.
  • *The builder has subsequently moved on.
  • *None of these homes were resold at the promised price of $265,000.
  • Now, my questions are-What recourse do these Buyers have? Who can they contact about mortgage fraud after the fact? Are the Buyers willing participants or should they be able to rely on the advise of a Realtor? Was the Realtor roped in as well? Should he have known better?

    So there you have it. A very ugly situation. I am starting to get calls from quite a few of these Buyers and I want to be able to direct them to someone that may be able to help. If not, they are going to lose 10s of thousands of dollars and ruin their credit as well.

    I’m curious to know your opinions.

    Please remember, mortgage fraud is a felony. But more importantly, it destroys lives. Help, stamp out mortgage fraud, today!!!!

So, what do you do to justify your high commission?

Posted by admin December - 31 - 1969 - Wednesday ADD COMMENTS

Hi folks. I have been reading and participating in a very heated debate over at the BloodhoundBlog today. It seems, a consumer has chimed in, and is asking us to explain what it is we do, to justify our high commissions, when the consumer is now able to find all the information they need, to buy or sell a house, on the Internet. Well, if you take the time to read the discourse over at the BloodhoundBlog, you will see that this debate definitely took a turn for the worse. Mr. Candybags is slamming Reel-toors (his term)and Realtors are slamming Mr. Candybags. Amusing and sad at the same time. Amusing because I love reading a good slam fest and sad to watch Realtors avoid answering the question.

So let me ask it again here. What do you do, to sell a property, that justifies receiving a x%  commission? Why would the consumer want to hire you and pay your fee, when they can find all the information they need on the Internet (disintermediation)? What can you say to justify your commission?

Well folks I am here to tell you, you best be prepared to answer this question. And you best have a better answer prepared than your 25 step marketing plan and access to the MLS. This will not cut it in this day of disintermediation and discount, web based, Real Estate agencies. If all you can bring to the table is your marketing plan you will find yourself either out of business or drastically reducing your commission to be able to compete in this market.

So, what do we do? Well, here’s what I do. I build value in something that the consumer cannot access over the Internet. “Broker Bryant, that’s pretty vague, can you expand upon that?” Of course. I thought you would never ask.

First, all people want to feel good about themselves and their decisions. You can provide that. You can help people decipher all the information that they have available. You can help them apply this information to their situation. Together, you and the consumer can come up with a game plan that will help solve their problem. You can be a trusted advisor.

Secondly, you can be a calming force. Selling or purchasing a home can be one of the most stressful things a person ever goes through. You can remain calm and help them through this. This can be achieved by constant communication and by constantly being there for them when they need to be reminded of why they are selling or buying. When the going gets tough, you can be there for them. You can let them vent their frustrations, on you, without taking offense. When they are all done, you can get them to return their focus, on the end result.

Thirdly, you can be their friend. You can have honest and sincere, care and concern about their situation. You can lead them down the right path without placing your commission in first position. You can make them and their situation feel important to you. This cannot be faked. It must be genuine care and concern. Folks can, tell the difference.

My point here, is to understand that folks’ emotional needs cannot be satisfied over the Internet. As Realtors, we need to position ourselves, to be the one person, that will take the time to make sure that their emotional needs are met. If you can achieve this, I can assure you, that your business will take off and your services will be in high demand. And the consumer will be more than willing to pay the price for this kind of service. Quit trying to sell them something, they can get over the Internet, for less money.

So that’s it. Broker Bryant’s crash course on overcoming disintermediation. Did I make you feel good? Did I give you a solution to the problem? Did I present it in a calm and informative manner? If so, I will mail you my bill. I take Master Card, Visa and Amex.

“Hey TLW, the mall opens at 10:00 and I got me some more of that money coming in. Have fun and buy me something nice. I wear JUMBO.”

So, what do you do to justify your high commission?

Hello, John Q. Consumer. Welcome to our world.

Posted by admin December - 31 - 1969 - Wednesday ADD COMMENTS

So, pull up a chair and let's talk about the consumer on ActiveRain. As many of you may already know, the consumer has arrived. They are reading and they are commenting on our posts. I personally have several that are regular readers and participants on my posts and it is a wonderful thing. It's one of the reasons we are here. This is not a passing trend and as time goes by it will be happening more and more. When you check to see whose logged on, on any given day, there are usually a couple of hundred non-members reading. Now I believe the majority of these are just members that may not be signed in and are just lurking BUT you can be sure there, are many that are consumers, checking us out.

So, with that in mind, we must welcome them. I have seen quite a few instances, over the last few weeks, where a consumer commented on a post only to get slammed by other members. Why? Why would you do that? This is a site where the consumer should be welcomed, with open arms, and brought into our world, where we can teach them and show them that we are professional and that we can handle the tough questions. In fact not only should we handle the tough questions, we should welcome them. This is our opportunity to shine. Not to be defensive and slam them because we disagree with what they say, or how they say it. My Grandma used to tell me to mind my Ps and Qs. Whatever the heck that means.

The consumers, that have showed up my Blog, have normally started out with major attitudes, towards us and our profession. So what? If I had to deal with most of the so called "professionals" out there, I too, would have a major attitude. It's our job to turn them around. I have done so 100% of the time. They become my E-mail buddies, my friends and possibly future customer/clients. My goal, is to help them anyway I can, to understand what it is we do and to change their negative opinion of our profession. If you don't think that can happen, then read the comments on this post with CandyBags or this post discussing Range Pricing or this one, where we are having a great discussion about how we charge for our services. These are all perfect examples of turning the consumer around. They now have a totally different attitude towards our profession. Remember in our business, everyone is a consumer.

Toby Boyce, wrote about this same issue, a while back. I couldn't find the post where he had the nasty comments to a consumer, from another member. I think he may have deleted it.

Anyway, the point is, we have an excellent opportunity here on ActiveRain to make a difference. We can change the consumer's perspective of our industry. We can educate them on what we do. And most importantly, we can build value for our services.

So please, watch what you say and watch who you say it to. Disagree, debate, have heated discussions but respect the person, always. You never know who's watching.

This post goes out to the consumers, my friends, CandyBags, Stan, Mikey, Mark Nadel, Ryan, John R., TaylorMA, NYCJanet, L. Raymond and all the others who are reading, learning and commenting. Welcome to my Blog. Pull up a seat and sit a spell. All of your comments, opinions and frustrations are welcome on my Blog, at anytime. How may I help you?

Maybe, we can learn something from each other. Maybe, we will all be better people from our discourse. Let's do our best to understand each other.

Hello, John Q. Consumer. Welcome to our world.

About us

I am a licensed real estate Broker in the state of Florida. My opinions on real estate have been formed from my experiences and 15 years of working in the business. My opinions are in line with Florida Real Estate laws and the REALTOR(R) Code of Ethics. Your State’s laws may differ. So do your own homework before implementing any of my business practices into your business.