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Foreclosure in Collier County : Real Estate Advice

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Activity 70
Fri Mar 17, 2017
Danielle.lavigne asked:
I looked for a house (foreclose)...141 Doral Circle Naples, 34113...I want to know,if it's a problem, if I am Canadian?..When will be the auction?..How and where I have to look for the title…
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Sat Nov 5, 2016
Jonathan Klurfeld, Esq. answered:
Yes, the borrower has the right to pay the final judgment amount any time before the date of sale in full. A check will need to be paid to the Broward Clerk of Court at the courthouse who will "satisfy" the judgment and alert the bank lawyers it is paid off; and your lawyer will coordinate this and get the sale date cancelled. If you have a pending sale date consult with an attorney IMMEDIATELY.

Disclaimer: I am a Florida attorney and licensed Realtor. Information posted or made available on or through this site is not intended as legal advice or to create an attorney-client relationship between you and any attorney/our firm until officially retained. You should consult an attorney for advice regarding your individual situation since every case is different and not all information is relayed in an online question.
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Sat Apr 9, 2016
Sandrajv answered:
Yes, It is still available and is through the end of 2016.

Thank you
Sandra
0 votes 1 answer Share Flag
Tue Nov 3, 2015
Karen Peyton answered:
Laurie,
The circumstances leading to your question are concerning. I'm sorry you find yourself in the place you are now, but the future has not been written.
Regarding the house: A late payment is not the same as a missed payment, so it sounds like you won't be able to pay for this month (November) and come December 1st will only be one month behind. You were wise to get a roommate, but kick them out if they cannot help. I trust you have no formal agreement and they will depart amicably. Replace them with someone who can pay their way and not take from you the resources you have left.
Of course you need a job. Leave no stone un-turned to make an honest living, stringing part-time jobs together as necessary. Zero income at some point will mean no food and utilities. Tell those around you of your immediate need and graciously accept what help is given. You will have your chance to pay it back, and pay it forward.
Angels exist, whether you believe or not.

In an attempt to provide "some kinda" answer to your question, here's a link to the website of a Florida attorney:
http://davidgongora.com/blog/florida-foreclosure-process-homeowners-facing-foreclosure/

It would also be a good idea to speak with a local real estate agent to find out if your home has equity and if so, how much. They can also tell you how short sales work if you're interested.

Wishing you success!

K.
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1 vote 1 answer Share Flag
Tue Nov 3, 2015
Amelia Robinette answered:
Assuming you're talking about foreclosure.

Have you talked to your lender and asked for a loan modification? Have you explained your hardship and reasons for not making your payments? Most lenders would rather NOT foreclose, it's an expensive and arduous process for them.

You can sell the house, or if your underwater talk to the bank about a short sale.

You could also contact a real estate attorney about your options.
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1 vote 1 answer Share Flag
Tue Nov 3, 2015
Laurie Luca answered:
The property alone is worth 140,000. It is a little more then a half of acre, only 3 miles from the beach. Lake Sugten is 2 blocks away which has a beautiful park and now they allow dogs on leashes. Google it, is pretty nice. Before I lost my job I was able to fence in the back yard with 6 ft chain link fence. It was built in 1971, original terrazzo floors, 3/2 rooms and I knocked down a couple of walls so it more like a ranch house. Address is 3610 Guilford Rd 34112 if you want to see some of the property from the front, or satellite view of course. ... more
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Sat Dec 6, 2014
Annette Lawrence answered:
1. They can foreclose and force a sale of the property
2. They can take possession and rent the property to recover and maintain costs.
3. Most likely a lien is placed on the property that much be resolved before the title can transfer to new owner.

The SUPER LIEN power of the HOA means their claim will come FIRST.
#3 is the most convenient and cost effective path many HOAs choose. However, if attorneys are on the board, they often choose the revenue intensive options.

Best of success,
Annette Lawrence, Broker/Associate
Remax
Palm Harbor FL
727.420.4041
EXAMPLE: Market In A Minute & CIS Score on TRULIA
http://goo.gl/BN6LUW
MORE about CIS Score:
http://bit.ly/1uHGE3K
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Mon May 26, 2014
Rnmacfarlane asked:
Mon Feb 3, 2014
Daniel Barto answered:
It's all about perspective.
Where are you getting this data?
My guess would be from a site that wants to sell foreclosure information...
The reality is much different, as all the well informed agents have answered before me.
The occasional REO still comes to market, but we are way past the worst of it in Southwest Florida. Bring any of us back to 2010 and we would be buying hand over fist.
So, moral of the story- make sure the information you are reading is correct. It will pay off by allowing you to make the best financial decisions possible. Most agents and brokers can provide current and historical data that meet your needs.

Best of luck,

Danny Barto
Galleon Real Estate
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Thu Oct 31, 2013
answered:
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2. After the lease period ends, you can purchase your home at 90% of the current market value with owner financing!
Leave a message at 763-276-1338 www.houseleaseback.com
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Tue Oct 22, 2013
Michael Jordan answered:
Have you considered one of the neighboring streets? I have a couple of ideas that may work for you, depending on your budget and other requirements. Please call or email me and I will provide you with the details! ... more
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Mon Sep 23, 2013
Kevin Rathburn answered:
Hello,

Transfer value refers to the amount of money for which a property is sold to a new buyer. There is tax imposed on this value called a real estate transfer tax (aka deed recordation tax). This is a tax levied on the sale or transfer of real estate from one owner to another. This tax is imposed on the seller of the property.

The tax is based on the price paid for the property by the new buyer. The local government (the county) collects this tax and it must be paid before the new deed to the property is recorded. This transfer tax is usually paid at closing and disbursed to the county by the title company. The acknowledgement of the payment is shown by stamps placed on the deed.

In Most Counties in Florida: multiply the sale price by .007)

Kind Regards, Kevin

Kevin Rathburn, Realtor
239-269-4575 Direct Line
KRnaples@gmail.com

KevinRathburn.com Integrity-Diligence-Innovation
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Fri Feb 1, 2013
Rich Homer answered:
It would be better to let us do the searching for you or use our free website, Trulia is a 3rd party website and not very accurate. http://www.naplesrealestateguys.com/
0 votes 4 answers Share Flag
Mon Nov 12, 2012
My NC Homes Team answered:
It starts with finding a Realtor experienced with foreclosure sales and with you understanding that rarely are foreclosures the deal you might imagine them to be.

Here's a link about foreclosures and below a link on how to find yourself a great Realtor to work with.
http://www.trulia.com/blog/LarryTollen/2011/11/buying_foreclosures-_have_i_got_a_deal_for_you

Best of luck to you.
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Thu Sep 13, 2012
John Rodda answered:
You must go to the realtor or title company to refund your deposit. Send them conformation of the deposit if will help them to find it and return it to you. They can not keep your deposit ... more
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Sat Jul 28, 2012
David H Schulz answered:
Your buyers agent can guide you to look at properties that will suit your situation. In the case you mentioned, you understand that you must be an owner occupant. If you wish to search the MLS to see what is for sale in the area you can use our website www.agent4naples.com. You will find many areas and options that are available that will not involve the red tape and restrictions that a bank would impose. Whether you wish to consider restrictions, costs, fees or amenities, you really should talk to an agent that can guide you. ... more
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Tue Jul 10, 2012
David H Schulz answered:
You can look at all offeringss on the Naples MLS at our website www.agent4naples.com. We work with a network of referral agents that handle any kind of purchase, in an expanded Naples - Marco Island area, speak many languages and are very responsive. If you do not have an agent, please look at our website www.agent4naples.com and give us a call at your earliest convenience. ... more
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Tue Jul 10, 2012
David H Schulz answered:
Foreclosures and Short Sales are not for the weak of heart. In Foreclosures, the bank has the contracts written with their interests in mind. The banks frequently are not cooperative or impossible to communicate with. Foreclosures are many times inspected before an offer is made because the bank will not usually consider repairs or compensation for repairs once a deal is struck. They have loopholes that allow them to act in their best interest and you really do need to have a Real Estate lawyer to be on your side to guide and protect you through the purchase. - Look at www.agent4naples on our our buyers page for vendor resources to help you. ... more
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