As a CERTIFIED DISTRESSED PROPERTY EXPERT, more commonly known as a CDPE, I have earned this designation through Education & Experience. I am able to help Sellers & Buyers through the SHORT SALE process because I have a DEDICATED TEAM that focuses solely on bank negotiations.

I will guide you through the selling or buying of a home and the lender negotiation process, taking the time to make sure you understand every step of the transaction. I am absolutely COMMITED to fulfilling your needs with the highest level of professionalism, expertise and service. My commitment to your satisfaction is the foundation from which a solid business relationship is built.

For Sellers - Top Reasons to Short Sale VS Foreclosure

1. You pay no out of pocket expenses. Your short sale transaction will be an as-is sale, meaning you won't have to bother spending time and money on tedious home repairs. Your lender also pays for all commissions and services on both sides of the transaction, giving you the least hassle possible in moving on to your next home. 2. Your credit damage is minimized. A short sale will have a recoverable impact on one’s credit, compared to the devastating effect of 250-350 points a foreclosure has on a credit score.  3. You can buy another home in just two years. Fannie Mae Announcement 8-16, recently set the standard that homeowners who choose to short sale only have to wait two years before buying another home. Foreclosure prevents you from owning a home for typically 5 years.  4. You have an assured sense of relief. Short sales in lieu of loan modifications give homeowners a firm new start. The Department of the Treasury just released a study revealing that 55% of homeowners re-default again within six months of receiving a loan modification.  5. You save money and pay less taxes. The Mortgage Forgiveness Debt Relief Act of 2007 allows short sale homeowners to avoid taxation. In the past you would receive a 1099 and owe taxes on the deficiency balance.  6. You have a dignified solution to a difficult problem. A short sale allows you to stay in your home during the negotiation period. A foreclosure can become an embarrassing situation as a bank representative comes by to lock up the doors and windows, change the locks, and put up "bank owned" signs on your property while the local Sheriff is contacted to have you forcibly evicted.   TO GET STARTED You will need to provide the following: 2 months banks statements 2 years tax returns (or an extension form if applicable) 2 Months Recent Pay Stubs ( for all persons on the loan) Financial Statement (reflecting all bills and obligations) Hardship letter ( explaining your situation) Signed Authorization ( allowing me to speak to your bank) Signed Listing Agreement.  ___________________________________________________      For Buyers - Short Sale VS Foreclosure ____________________________________________________ 1. Better Value. In most cases you will be able to buy a Short Sale Home for less than a Foreclosure. The main reason is that the  Bank has not yet had to pay out for additional Legal Fees, and other costs involved with a Foreclosure. 2. Better Condition. Because most Short Sales still have the Sellers living in it, who, under most circumstances, keep the house in good order for their convenience as much as for the Buyer. Many Foreclosed homes that are owned by the Banks have been gutted, or damaged, because the owners were forced to move out. Banks also typically do not leave water or electricity on, this can cause concern in Florida for mold accumulation (no A/C) during the hot months. 3. You save money & pay less Taxes. Since the Seller is selling at a loss, it is not unusual to have the Bank pay most of the Closing Costs as well as any assesments that may have been levied by the city or county. The Property Taxes may also be less because you purchased the home cheaper. This you would have to take up at the Property Appraisers Office during the 25 day appeal window.   To Get Started  - Get an Experienced & Knowlegable Realtor (Like Me)   - Find a suitable Home.  - Fill out and Sign a Purchase Contract & all necessary Addendums.  - Write a Deposit Check (Usually 5% -10% of Offering Price) to be held in Trust, shows serious intent to purchase.  - Either a Pre-Approval letter from a Mortgage Co., Financial Institution etc. OR a Proof Of Funds Letter (a POF - If Paying Cash)from your Bank showing you have the means & ability to pay.  - Patience, very important, as it may take time for the Lending Institution to process everything. (It could take between 30 - 90 days for answers from the Lender)  CALL ME TODAY AND LETS GET STARTED  772-971-7452