Wonderful home 3 bedrooms 2.5 bath with a loft that can be converted into another room, Corner home, neighbors on one side of the house.

Are you waiting to buy, looking for the right time? This will be that time to jump the fence! Take a looke…

Jeannette Neerpat

On top of that we have the range of Home Ownership vs Foreclosure vs Short Sales. You will see that Foreclosure and Home Ownership are equal and that there are not that many Short Sales..

If you still thinking about buying a home, now is still the perfect time to buy..

Let me help you find your way to your new home.

I told them I would look at my deed and bring it with me. So I pull out the folder I had from when I closed on my house close to 10 years ago, and before I was a REALTOR. Going through all those pages I couldn’t find my Warranty Deed nor my Title Insurance. So that got me into thinking of when I was suppose to get them. I thought it should have been in that package.

So now on the hunt to find these papers. I called the title company that I did my closing and come to find out that they are no longer in business. OK now where do I go. I wasn’t sure if I was suppose to call the mortgage company I am with now since I had refinanced two years after I bought the house to change the type of mortgage I got, but changed companies at the same time.

I told myself what the heck let me give it a chance. I called the first time and the number they gave me was a fax, I called a second time and spoke with someone else. Then we got to talking as to why I needed the number. The guy was able to email me the Title Insurance and told me that I can find the Warranty Deed info through them.

So now we are calling this company and trying to read the papers of the insurance was confusing because they were asking me for the OR number. He looked up the number and couldn’t find the Warranty Deed. My thoughts are, Are you kidding me, was it not recorded? Do I own my house? The man just told me to calm down, we will figure this out. I then told him about this being the REFI and not the actual purchase.

He checked another place and viola, there it was, it was on a whole other page. Now what I need to do is to take that number and page down to the Broward County Courthouse and get copies.

But can you imagine if I was a Short Sale how crazy this would be, not having the right papers here, the refi, different pages. Glad I was able to figure it out and now pick up the papers tom.

Have you bought your home recently? I suggest you check to see if you have your Warranty Deed and Title Insurance. I gets sent to you after you close your home. I think somehow mine was not sent. I might not be the first person who is going through this, but at least you know what I had to do to find it.

Jeannette Neerpat

You can find the orginial post on her site GoListing.com or by clicking here

by golisting

February 2, 2010

  

www.heldharmless.com

A Held Harmless Membership Shield is a product that everyone needs to sit up and take notice of and it’s probably the best $50 (Individuals) or $100 (Businesses) that you will spend this year. We bought shields for ourselves and our businesses for 2010 and have gained peace of mind as a result.

So what does Held Harmless do? As their website says, “HELD HARMLESS lawfully shields you, your family and your business from insurance claims, lawsuits or other similar actions and prevents you from having to file them, face them or financially defend them”.

Now that is a great idea! …especially with the escalating cost of insurance rates continually increasing year after year, along with the dreaded fear of getting sued or perhaps having an insurance claim filed, so leave it to someone to come up with a clever, compelling product, and a cost effective solution that everyone should consider buying, especially us Real Estate Agents, Home Owners and clients, either looking to buy Real Estate or list their homes for sale.

Consider for a moment the impact that this product can have when you think of the thousands of dollars we all spend on insurance policies, claims, having to pay insurance deductibles or perhaps having to retain an Attorney to defend us individually or our business from a lawsuit, and our assets still aren’t protected.

So what problem is Held Harmless specifically solving?

A Held Harmless membership & shield prevents and protects us, as individuals as well as our businesses, from insurance claims and lawsuits before they happen, not afterwards. We can shield our homes, family, business and assets from legal or financial disaster, as well as from frivolous lawsuits and for a lot cheaper than a typical insurance policy quote.

So how does Held Harmless do it?

“HELD HARMLESS’ strength comes from the ability to “prevent and shield” by publishing a national “legal warning” and “caution” known as National Legal Public Notice. This lawful practice of putting someone on notice by publication is legally known as “constructive notice”.

As their website states: “State and federal laws require you to clearly post, display, publish or disseminate your constructive notices to be considered “held harmless” from legal claims. These notices must (by law) be physically served, clearly visible, or properly published to be enforceable in a court of law.

It is for these reasons that HELD HARMLESS combines our product into a “membership” format. “Legal Notice by Publication” (constructive notice) requires that the general public has free access and abundant knowledge of a legal notice to be binding and acceptable as a lawful defense.

As a result, each and every Individual or Business Membership to HELD HARMLESS represents the lawful dissemination, publication, broadcast, distribution and delivery of your legal notices to the National General Public (each and every person – 24 hours a day and 7 days a week) which keeps you or your business “held harmless” from losses, injuries or damages sustained by others.

So how do you get a Held Harmless Membership and Shield as a First Line of Defense?

That’s exactly what we said ourselves when we first heard about their product!

Just visit www.HeldHarmless.com to learn more. It’s that easy.

Tell them Gia & Grant sent you

Proud members of HeldHarmless.com, Real Estate Brokers with GoListing.com, Inc, and founder of www.RealSeekr.com

 

GoListing.com, Inc is a Licensed Real Estate Brokerage serving Real Estate Buyers & Sellers in Boca Raton, Highland Beach, Delray Beach, Hillsboro Mile, Boynton Beach and more.

 

Disclaimer: For legal advice pertaining to any specific legal matter of any kind, please consult an attorney

When embarking in the home buying process, there are many things to consider. Many new homes may need to be remodeled or repaired. Many homes may need inspections, repairs or renovations, especially in areas that are susceptible to natural disasters. Having the assistance of an experienced and reliable Coral Springs, FL real estate agent can make this process easy and stress free.

It is important to take note of the consequences of older building materials whose qualities not only harm the environment, but can create health concerns. Building green will have profound impacts in many facets of life. The adaption of green building and alternative energy solutions will play an important role in the transformation to a healthier and sustainable world.

Asbestos

Highly utilized more than a century ago, asbestos is a fibrous mineral that was used heavily in building and construction applications. Its flame resistant and highly durable qualities made it an ideal choice for manufacturers. Asbestos normally appeared as insulation for piping, roofing, siding and flooring in homes. Many homes or buildings built prior to 1980 may still contain asbestos materials. This fact should not make you overly worried because exposure to asbestos can be easily avoidable by taking simple precautions.

Healthy Tips

It must be noted that not all asbestos poses health risks. Asbestos that is disturbed or damaged due to age is known as “friable” asbestos. This is a concern because its toxic fibers can easily circulate and become inhaled. If any suspected asbestos is located, the best advice is to leave it alone. If you are having home renovations, performed, do not panic. Again, asbestos that is left un-disturbed will normally pose no threat.

If asbestos needs to be removed, it should be performed by licensed abatement contractors. These contractors are trained in the handling and disposal of asbestos in public facilities and homes.

The inhalation of airborne asbestos fibers can result in the development of related illnesses such as asbestosis and mesothelioma. Diagnosis by doctors has been a difficult task because symptoms are so similar to other, less serious conditions. Mesothelioma compensation has become tough to predict for victims and their families because diagnosis can take 20-50 years. For this reason, many people refer to it as a silent killer.

Florida Going GREEN

Implementing green methods of building can have positive environmental, health and economic benefits. These include:

-          Conservation of natural resources

-          Enhance air quality and protect ecosystems

-          Energy sustainability

-          Increase property value

-          Improve quality of life

-          Improvement of pulmonary and cardiac health

-          Reduce waste

Environmental efficiency is on the rise because of technology and green sustainable methods progressing rapidly.  Not only will these methods produce a healthier lifestyle, it will save you money! The Department of Energy concluded that cooling and heating counts for up to 50-70 percent of all energy used in the average home in the U.S. In today’s state, this philosophy can also save natural resources.

Environmentally sustainable insulations are made from recycled materials including cellulose, polyurethane foam and cotton fiber.  Cotton fiber is made from recycled batted material and treated to be fireproof. A water based spray polyurethane foam, lcynene features no toxic components. The implementation of these eco-friendly products can reduce annual energy costs in the household by 25 percent annually.

She is out of the city, up in Tampa and has a home here in Sunrise. So this is how it went.

Question: If you can give me some direction on what needs to take place for a short sale to be approved, I would appreciate it.  Do I have to be late on the payments before they will short sale it or can I put it on the market now while it is still current?

Answer: First question is, Do you own another property? We can list it now, but with a short sale you have to give your financial information to the bank. That means they will need a copy of your bank statements and your paystubs.

We need to write up a hardship letter, which means that you have to explain why you can no longer pay your mortgage. Basically you will explain you were relocated to another part of the state and you can no longer afford the home.

The whole process can take time. The one I just closed on was listed early in the year, I would say March, got a contract 2 weeks before the bank was going to foreclose on it in June.

We just closed on it 3 months later. So this will take patience. You will need to sign an Auth form which gives me the right to speak on your behalf with the bank. I will let them know that you have listed the house for sale as a short sale and that we are working to get it sold.

Once an offer comes in I send it with all the buyers info and at the same time your finances with the listing contract, bank statements, pay stubs and last 2 W2’s and the hardship letter.

I know that it seems like a lot of information, but once you sign the Auth form I take it from there. You dont have to give me that stuff now, but once the offer comes you need to be able to give it to me within a day or so. This way the faster you get it to me the faster I can send it to the bank.

If this helps you in any way or if you have any other questions let me know.

Question:  I am in the process of trying to purchase a house here now.  Will that help or hurt?

Answer: You should be able to purchase now, but you might get hit with a 1099 later on for the difference in the amount in the short sale.

Say you owe $250 and we sell it for $150, you may get hit with a 1099 for the 100,000 difference that we were short. Now I am not sure if you will get it or not. Mainly the inverstors have been getting the 1099’s, but I would suggest you check with a Tax Attorney so know for sure.
Jeannette

“This information is provided as a guide for general informational purposes only and is not intended to be tax, financial, or legal advice. It is deemed reliable but not guaranteed. Please consult with your own attorney, tax advisor and/or accountant for specific advice.”

Sunrise Listing

Now here we are, 3 years later and they are stuck like a rock. We got an offer a couple of days prior to the foreclosure sale date back in June and I was able to put off the foreclosure while we worked on the offer.

Then of course the buyers back out as we got an approval, now put the home back on the market at the approved price of $145,000.  This was a 3 bedroom, 2.5 bath with a huge yard. Updated Kitchen and bathrooms.  I received about 10 calls in 1 day to see the home and got an offer the same night at the approved priced!

Sent over the new buyers offer to the bank and got the approval letter from them within the day… The buyers are set to close on Sept 18 and looks like they will close sooner!

Are you finding it hard to pay your mortgage? Are you falling behind and need to sell? Call me and I will do my best to get your home sold as a short sale.

Jeannette