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 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… 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).


As you may know, my partner Wendy Rulnick and I own the most active Short Sale Network in the World at 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?

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

Copyright © 2011 | 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……

News flash….."The Lovely Wife" is cooking tonight!!

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

I have a dilemma today. It seems I am about to run out of "For Sale" riders for my beautiful, shiny, night glow, Tutas Towne Realty signs. I guess that's a good problem to have. To me, signs in the ground mean money in the bank. And lately I have been making lot's of "deposits." It's been a long time since I had over 20 listings. Not there yet, but will be next week. It's been so busy the last couple of years I couldn't keep inventory. Place a home on the market on Monday and have multiple offers by Wednesday. Now that was fun!

Now that it takes a little longer for me to sell a house, inventory is up and sign riders are running low. So what do you do? I know, the obvious answer is buy more "For Sale" sign riders. I'm not sure why but to me that sounds too pessimistic. I think, what I would really like to do, is place some properties "pending". Now that sounds more like it. Place them "pending" and switch the rider from "For Sale" to "Sold". I like that. Frees up some sign riders and puts that "deposit" a little closer to my bank account.

Now maybe my thinking on this is a little strange. But hey, it usually is. In fact "The Lovely Wife" would say, my thinking is more than a little strange, on most occasions. But she does agree with me on the sign riders. Creating challenges like this, in my head, is what keeps me motivated. And for some reason I know that later this week, when I am down to my last rider, I can expect to place several of these properties "Sold". Problem solved. Life is funny like that. You usually get what you are expecting. I am expecting to get some deals this week and I will. I love it when that happens.

So what are you expecting next week? Are you expecting good things? Or are you expecting bad things? Are you expecting to sell some houses? Or are you expecting to be rejected? Do you go to your listing presentations with the agreement already completed except for the price? Or are you just going to feel out the situation and make another appointment?

Expectations. I truly love that word. Expectations. Real Estate is all about expectations. So the decision is yours. What will you expect next week? I hope you decide to expect good things. I can tell you from experience, that if you do, good things will happen.

I'm expecting "The Lovely Wife" to make me an excellent four course dinner tonight. Ok, so maybe it doesn't work all the time!

For goodness sakes! Pull your pants up!

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

I wrote a post on Buyer Broker’s Agreements the other day and lo and behold, the consumer showed up. Here are the comments from a Buyer left on my post. So this is just a reminder to be careful what you say and write. Unless it is a “Members Only” post the consumer can and will find it and read it. So don’t get caught with your pants down. Also, I thought his comments from a consumers perspective were excellent and sad. So read away. His comments are not edited in any way.

"******I read your post concerning BBA's and I am in total agreement; and I'm a BUYER, not an agent. However, allow me to share why I find myself forced to consider carefully the terms and length of the agreement. I am a buyer who recently sold his house and am looking for a house to enjoy my retirement and will pay cash. You'd think agents would recognize the opportunity, but that's not been my experience on multiple occasions. I had all the conversations, submitted my financials as a show of good faith that I do, in fact, have the cash, and thought I found an agent who would actually get up off his butt and work. Nothing was further from the truth……search was limited to emailing MLS listings……no response to an questions and requests for add'l information…..nadda….zilch. After a while I "fired" him and moved on. I contacted another agent and went through the same scenerio……only this one did less. You guessed it; "fired" her as well.

 I thought I'd change my approach and contacted an exclusive buyer's agent. His services include driving around and use of the MLS. Oh, he would consider knocking on the door of a FSBO if I insisted and, get this, would *possibly* help me sell my house if I chose to do so down the road…..*IF* I turned out to be a quality person of considerable character; otherwise, I, as he put it "Wouldn't get his help at all"! I sent him a polite email declining his services but he keeps emailing me saying he, as he put it in the last one, "Can do everything but walk on water". Now, before anyone asked what rock I found these people under, let me assure you each one has the "alphabet letters" after their name because I thought that would indicate professional service……wrong.

If it were not for the fact these experiences are in more than one state and more than one city, I'd say I just had a run of bad luck or I'm a poor judge of competency.

So, buyer's agreements are great, IF you, as the agent, actually fulfill your end of the deal. Please make sure you do and don't waste a qualified buyer's time and money.

From this point forward, any buyer's agent has to prove themselves FIRST before whipping out an agreement. In the meantime I'm going to milk as much information as possible from all the agents who "talk the talk" and then see what I come up with and who will represent me. You, as agents, have to watch out for your best interests; please allow me the same courtesy. Appreciate the opportunity to share my experience"********

So folks, watch what you write, whether it’s your post, or comments you are leaving. And for goodness sakes! Pull your pants up!

"Broker Bryant, please don’t fire me!"

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

I hear stories all the time about Sellers that are trying to get out of listing agreements and are trying to cut their Realtors out of the deal to save the commission. I have such a hard time relating to these things. I have never, in 12 years, had a Seller of mine do things behind my back. It just doesn't happen. Why? Well first, I think it boils down to being in constant communication with my Sellers. They know what I am doing for them every day and I know what they are doing everyday. My Sellers even call me if they have to run out to the store or if anything in their normal schedule changes. They want to make sure I can reach them at a moments notice. After all, we are a team and we need to be on the same page. Coordinating our schedules is a part of that. It keeps us connected.

Secondly, it's about trust. My Sellers trust me and I trust them. We have an understanding. A few years back, when TLW used to work with me, my Seller's loyalty used to drive her crazy. TLW did her best to take my calls and try to answer the Seller's questions, which she was quite capable of doing, but my Sellers would have none of that. They had to talk to me. No matter how simple their question was, they had to speak with me. There was no way to get around this. TLW could spend 30 minutes with them on the phone explaining everything and giving them updates and their final words would be, "Have Broker Bryant call us". Finally we just gave up and had all calls forwarded to my cell phone. That was six years ago and it has been that way ever since. It actually makes my job a lot easier since I rarely have calls to return. I just answer the phone.

Now, for those of you that read my posts, you know that I take 45 day listings. Well, this Thursday I have 10 of my listings that are expiring. No big deal. I called most of them today and have already extended them for another 45 days. I never lose listings, so extending them is really just a technicality. However, I did have an interesting experience today. One of my Sellers actually called me apologizing that I have not been able to sell his house and pleaded with me to extend his listing. I kid you not! He even said that he would lower the price by $10,000 if I would extend his listing. Now folks I must say this has never happened to me. It was pretty funny. I had to assure him that I had no intention of not renewing his listing and that I sell every listing I take. Don't know how long it will take, and don't know how much he will get, but I will sell his house. This seemed to put him at ease. So we extended the listing and we lowered the Range by $10,000.

So folks, I guess the point of this post is to show how important it is to have constant communication with your Sellers. By doing this you will build an unbreakable bond of trust. You won't ever have to worry about what your Sellers are up to or whether or not you are going to lose the listing. Sellers will stick with you until you get the job done. Now if you can team this with aggressive and proper pricing, your business will soar. Sellers will hunt you down to do business with you. Why? Because they trust you. Not from what you have done but from what they have heard. Word of mouth advertising is the best you can get and its free! So make constant communication your number one goal for 2007.

"Broker Bryant, please don't fire me!"

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.