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Licensed since 1998 as a Real Estate and Mortgage Professional; Brooke O'Malley PA., BROKER of
CLUB REALTY and MYCLUBREALTY.COM serves the Anna Maria Island, Holmes Beach, Bradenton, Bradenton Beach, Lakewood Ranch, Lido Key, Longboat Key, St. Armands Key, Bird Key, Downtown Sarasota, Fl., Siesta Key, Palmer Ranch, Nokomis, Osprey, Casey Key, Venice, and North Port Fl. areas.
Additionally, all MLS listing are available to search,including Orlando, Tampa, Lakeland, Brandon and many more communities.
Continuously seeking to strengthen her knowledge in every aspect of real estate services; going above and beyond the Continuing Education requirements; Brooke holds a Florida Brokers License and a GRI (Graduate Realtor Institute) Designation. Licensed as a Mortgage Broker since 1999 and as manager of the Sarasota, Bradenton area for UHMC/1ST Family Mortgage; she offers customers FHA, VA, and Reverse Mortgages in Government Loan Programs as well as Conventional Financing and Commercial Loans as a Wholesale Representative for national and local banks such as Wells Fargo, Wachovia,and Sun Trust to mention a few. As a wholesale Rep. we are able to offer better rates. Call today and ask for our "Second Opinion" on rates and closing costs; there is no cost or obligation. Due to the fact that we are making a Real Estate Commission we are able to beat over 95% of our customers previous quotes. Service area includes the entire state of Florida.
In addition as a State Licensed Auctioneeer; Brooke is available throughout Sarasota County Fl., and Manatee County,Fl. offering Charites her expertise and co-ordinating their special fundraising events.
As Qualifying Broker of Club Realty she has integrated MYCLUBREALTYcom with special
Pre-Foreclosures(short sales) and Bank Owned property (REO's) searches, targeting these catagories.
Brooke serves as President-Elect of the South Sarasota Chapter of Kiwanis International and she invites all relocatees to join her as a guest; to enjoy a weekly luncheon held on tuesdays to learn more about service to our community. The Kiwanis Club is dedicated to enrich the lives of children in our community and has special fun fundraisers throughout the year. Come join us!
Professionally Brooke and MYClubRealty.com are available to answer questions as to your Real Estate, Mortgage, and Title Closing services associated with Sarasota, Bradenton and Venice Florida; in addition, finding you the best property.
Give us a call or visit our web site, and get started today looking at properties with your special criteria.
The site is spam and advertisement free and has recieved special achievement recognition from Realtor.com
Thank You, for opportunity to introduce our services,
BROOKE O'MALLEY
Broker
"Comments
Sat, 2008-04-12 04:30 — Visitor (not verified)
so glad we found this realtor!
When we sold our house, we thought the hard part was over. Our house was pristine and unique, and we sold it under value to do so fast, as I had to move for work. We indeed sold it fast, and thought we would be in good shape, the market supposedly being a perfect market for buyers.
Boy, were we wrong. We began diving into listings near SR 70 and found that almost every listing we liked was a short sale (often undisclosed in the ad) with more than one loanholder and a listing price neither bank had authorized (way way less then what they were owed or likely to accept). It was a nightmare, and we knew we were not experienced enough to work through the complications on our own. Still, the realtors we contacted were hesitant to work with short sales- which meant ignoring most of the listings in our price range. Maybe they weren't that interested in working with people in the under 300,000 range at all. Either way, we were anxious and very surprised. We are buyers with stellar credit, a great debt to income ratio, and a good down payment, but we didn't feel prioritized at all- to put it mildly. Meanwhile, the listings of foreclosures piled up in our inbox.
Then, I did a keyword search on short sale specialists in the area and happened to find a realtor named Brooke O'Malley, who works with her father in a small agency, and we're both so happy I did. I sent her my usual lengthy missive, and she answered every question I had with notable professionalism and detail, way way beyond the time other realtors has spent on my many questions (I'm type A in big way). She didn't insist we sign on with her exclusively, but we soon lfelt we would be fools to navigate this market with anyone else.
Brooke gave us honest informed advice designed to get us the best deal but based on reasonable expectations- knowing how every step of the short sale and foreclosure process may play out. We're cautious with our money; that's why we're not in trouble like so many people, and we're very very happy we found someone who would really listen to our needs and honestly evaluate our expectations. I know our expectations of the short sale process were a bit skewed by the media, but I also know I didn't want to be pushed into properties beyong our comfort zone just because we had good credit. This realtor paid close attention to what our exact needs are, helping us focus our search, with our expectations focused on likely scenarios.
We wrote our first offer with her tonight, and we know the ups and downs of how it may turn out. Most important, when we wrote this offer, she made sure our interests would be protected no matter what, given the two banks we would be negotiating with. Talking to her, it was clear she deals with buyers and sellers alike- honestly and with integrity. She spent SIX hours with us tonight- looking at two listings right near one another, then painstakingly discussing our options and risks. If you're surprised as how the so called "buyer's market" is playing out and want someone informed who will be honest with you and is truly kind, you should look her up. Her web page is MyClubRealty.com.
Just in case you're wondering, we had no connection to this realtor before my keyword search, and neither my husband nor I work in a field in any way connected to real estate or any kind of sales. I am sharing this information to help people like us, because I know how surprised I was when I found out selling wasn't the only problem in this market. We do not want to be contacted with messages from realtors or mortgage brokers, a we are very very happy and confident putting our future in Brooke's hands.
Joe Moraca
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Brooke O'Malley BROKER / CLUB REALTY answered:
A short sale is a transaction where the buyer and seller negociate with the lender to accept a payoff less than the balance owed. When an offer is made the lender determines fair market value and analyzes the seller's financial position to determine if they will accept the lower payoff. The language used in listings is "Listing price may not be sufficent to pay the total of all liens and costs of sale, and sale of property at full listing price, may require approval by sellers lender."
http://www.SarasotaClubRealty.com is a fantastic tool to find short sales and Bank Owned properties in the Sarasota and Manatee area.
Search foreclosed condos and houses FREE.
Brooke O'Malley
Foreclosure Specialist
Sarasota and Manatee Countty Florida
941-366-8390
Skype 'Club Realty'
1-877-866-3161
CLUB REALTY
- Fri Nov 14 2008, 10:59
Brooke O'Malley BROKER / CLUB REALTY answered:
Dianne,
This happens often on the bank owned foreclosures, since the owner of record changes, sometimes several times before the property is listed. I've had a similar issue where it was just a quit claim deed that needed to be signed, and it was a matter of who needs to sign off. Unfortunately it probably says that if the buyer needs to extend beyond the agreed closing date there will be a $100 per day charge, but since the additional time is needed by the seller, a standard real estate contract allows 30 or more days for the seller to clear any title defects, the bank addendums may allow for evn more time. This can put a buyer in a position to have to wait to close, and does not allow the buyer the option to withdraw or be released from the contract, you just have to wait it out.
If you have any buyer leads for Real Estate Property Sarasota, Siesta Key, Bird Key, Lido Key, St Armands Circle, Longboat Key, Holmes Beach, Bradenton Beach, Anna Maria Island, Lakewood Ranch, Downtown, Tara, University Place, University Park, The Meadows, West of the Trail, Golf Course homes, Boating Properties, Waterfront, REO's I pay higher referral fees than most brokers.
My site is Fantastic if you are looking at foreclosures
http://www.SarasotaCLUBRealty.com
Regards,
Brooke O'Malley
Real Estate Broker Mortgage Broker
CLUB REALTY
United Home Mortgage Center
941-366-8390
- Fri Nov 7 2008, 19:21
Brooke O'Malley BROKER / CLUB REALTY answered:
Natasha,
This property is just outside the City of Sarasota where taxes are a tad lower.
County millage rate is 12.6227
City millage rate is 15.6650
These rates are according to value or "ad valorem' This property is assessed at $388,400 in the county so the taxes are .0126227 x 388400= $4902.65.
Although the tax rate is higher in the city this property is in an area with extra tax assesments=
F052 Sarasota County Fire Dist. $194.88
G64A Solid Waste District $159.48
I001 Phillippi Creek Sewer - E $165.00
W056 Stormwater Utility $151.94
Fire and stormwater are in both city and county, Phillipi Creek and Solid waste are a property specific added expenses.
The County still has quite a few areas where there are septic systems, this property is on public sewer not septic. You can call the water department to see what an average bill is.
Here are more pics and a virtual tour: Cut and paste this into your internet explorer browser.
http://mfr.mlxchange.com/Pub/EmailView.asp?r=1425921741&s=MF
Visit my website to look through the fanastic opportunity to purchase bank foreclosed properties.
MyClubRealty. com
Hope this helps,
Brooke O'Malley PA GRI
CLUB REALTY
941-726-2677
United Home Mortgage Center 941-366-8390 Free Mortgage Pre-Quals
- Sun Nov 2 2008, 10:12
Brooke O'Malley BROKER / CLUB REALTY answered:
Woody;
Please check out our site.
This month we will save our buyers
approximately a million dollars in
negotiatated contracts from past values sellers previously paid.
I'll provide you with multipule names(5) and numbers that have closed
or will in the last 30-45 days;
who will attest to our service and relentless negotiating
on their behalf. I'm also a Mortgage Banker and will provide you with a second opinion
as to your mortgage. Because I make a commission on the real estate we are able
to pass on Wholesale mortgage rates to our customers and we'll beat your bank.
"Always receive a second opinion"
Brooke O'Malley GRI,PA
Real Estate Broker/ Mortgage Broker and Licensed Charity Auctioneer
Club Realty / MyClubRealtycom
2033 Wood st. #210
Sarasota, Fl.
1-877-866-3161 (toll free)
941-363-8390
941-726-2677 (cell ) - Sat Sep 20 2008, 12:51
Brooke O'Malley BROKER / CLUB REALTY answered:
Igor,
Customers of mine have in the past placed their property in a revocable trust with a pour over living will. This will allow you to decide what happens to the property if something happens to you. It will also avoid estate tax which from my understanding is quite high. The quit claim deed as mentioned earlier is very little cost under $100.00. The trust may run you a couple thousand, but it allows you to make changes and give instructions that will be carried out by the person you trust to handle your affairs. If you have an accountant you may want to speak with them regarding .
Also you could purchase it in all of your names from the start.
Talk to several attorneys before making your decision, they may have different opinions.
Regards,
Brooke O'Malley MYCLUBREALTY .com
941-726-2677
CLUB REALTY
Sarasota and Manatee Foreclosures - Fri Sep 19 2008, 13:48
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FORECLOSURES SPECIALIST, SHORT SALE EXPERT, SELLING BOTH RESIDENTIAL AND COMMERCIAL PROPERTIES AND PROVIDING COMPETITIVE MORTGAGES; OFFERING SECOND OPINIONS ON YOUR FINANCING NEEDS AND 95% + OF THE TIME; WE'LL BEAT YOUR BANK WITH WHOLESALE PRICES FROM NATIONAL LENDERS SUCH AS WACHOVIA, WELLS FARGO, AND SUN TRUST TO MENTION A FEW.
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