Shonda Sauls

Babette

I would love to assist you and your family in your transistion. There are lots of great communties here to choose from. If you would like to read more about the different areas of Jacksonville. You can visit my website at http://www.shondasauls.com The site has a lot of great information and you can search through the homes listed in the MLS in Jacksonville.

Shonda Sauls,REALTOR®
Prudential Network Realty
(904)260-4300 #327 Office
(904)962-6139 Mobile
Shonda.Sauls@PrudentialNetworkRealty.com - Yesterday, 20:03

Any agent should be able to assist you. Just give one a call. - Sun Nov 16 2008, 16:17

The best thing to do would be to use a Real Estate Agent. It's a free service for you and they will be able to look up this for you as well as answer any questions you may have. - Sat Nov 15 2008, 11:32

Claudine

That listing expired on 10/15. If you would like assistance in finding a home you can do a search on my website @ http://www.shondasauls.com. It feeds from the Multiple Listing Service and has all the avaliable up to date properties in Jacksonville. If you need any assistance or have any questions, please do not hesitate to call or email me.

Shonda Sauls, REALTOR®
PrudentialNetworkRealty
Office (904)260-4300 #327
Mobile (904)962-6139
Shonda.Sauls@PrudentialNetworkRealty.com - Wed Nov 12 2008, 11:40

You really should speek with a Real Estate attorney, because Agents are not licensed to give you legal advice. If you stop paying your mortgage, it will affect your credit score. If you can prove that you have financial hardship, your lender may work with you or allow you to do a short sale. A short sale will affect your credit, but is better than foreclosure.

A short sale occurs when the proceeds of a real estate sale fall short of the balance owed on the property. In a short sale, the bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank's Loss mitigation department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale. Most Short Sales leave a deficiency balance for which the Mortgagor / Borrower is still liable. In 99% of all cases it is not a settlement-in-full. - Wed Nov 12 2008, 09:44