Move on and stop chasing these Clown Car Full of Horrors Short Sales that don't close! All that time you were waiting on that property, the other homes have gone up in price!
Find a good Foreclosure or Re-sale that can close...and close asap!
See programs below, then contact me to talk about how to minimize payments and reduce out of pocket costs.
1) 100% LTV- VA / (VA Jumbo @ lower ltv)
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4) 97% LTV- No monthly MI-No FHA 1.75% Fee
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6) 90% LTV- No PMI -2nd Home
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Have you already closed on the home? If not, are you still within your inspection contingency period? My advice is probably going to be to consult an attorney because REALTORS(R) are not authorized to give legal advice but if you haven't closed yet you may have other options.
Jeff Metcalf, REALTOR(R)
Watson Realty Corp.
There are a lot of good insurance agents in town who would be happy to give you a free quote. I would recommend Donna Brightway Insurance -- her email is email@example.com or (904) 823-3699 is her office
Good luck and let me know if I can help!
I am no lawyer, but the short answer I've learned is NO. Until you have all bank signatures on all documents and addenda, the offer is still floating. I would wait until you have it in hand back from the bank signed/delivered before considering it a done deal. AND, if you look closely at the bank lingo in the contract it usually always protects them from everything - meaning they could still pull the rug out from under the deal and decide not to sell it to you for whatever reason they choose. It's the typical limbo REO crap, but you gotta be ready to wear them out and persevere! Good luck!... more
"you state you have perfect rental history and almost 12 months of car payment" this paints a picture of what might span 36 months or so...which is 1/10 the amount of time you will have a home. Because of this your credit score becomes valueable because it spans 10+ years, or at least 5+years, and if it is Low, it may very well be because you have not had it long. you need to work on improving your credit that will be your best solution, which should only take 6-12 months...
Try getting a NACA mortgage. Have you Realtor sign you up so she can represent you. If you go to the NACA website yourself you will be required to work with a Realtor they chose so contact your Realtor today and tell her you want to get the NACA mortgage.
Here's the website, but remember DO NOT sign up until you have chosen your Realtor and she logs you in:
If you don't have a Realtor yet, contact me and I can give you a great recommendation in Ponte Vedra.s
The only items that affect your credit score are items listed on your credit report and rent typically is not reported to your credit report. However many people have had success with http://rentreporters.com/ reporting the rent to the credit bureaus, and that is one way your rental history can help out your score.
With USDA financing people with scores less than a 640 who are manually underwritten are *required* to have rental history, and generally scores less than 620-640 are manually underwritten, so having a rental history wouldn't help "offset" low scores with USDA financing.... more
What is your loan officer suggesting...you can dispute any negatives, pay down debt, pay off old debt, keep credit cards below 50%, pay all bills on time, reduce your debt to income ratio, etc.... more
Many lenders can assist you with a USDA loan in Florida. The home has to match the criteria (rural) to be considered for the loan. Feel free to contact me and I will connect you with at least 3 loan officers that can help you. It all depends on where you plan to live. Kathleen Floryan, REALTOR, Watson Realty Corp. 904-687-5146... more
Maybe you want to consider a third company....one with not only a local reputation, but one that has a national company and relocation company as part of its qualifications. How about Prudential Network Realty. We are locally owned and have an international parent company to truly give you THE best representation. We feature our listings on more websites than any other company in Northeast Florida and it is exposure that will get your home "Sold". We feature professional marketing materials, QR codes on brochures, sign riders that allow anyone viewing your "for sale" sign to connect immediately to your information and virtual tour via text messaging. I am the former director of relocation for PNR and have an extensive background in working with customers and clients relocating to and from Northeast Florida. My office in in Ponte Vedra, I live in Jacksonville Beach and have been a resident of this area for over 20 years. I would love the opportunity to speak with you regarding your home. The size or price range is not an issue to me....getting your property sold is the objective. My name is Nancy Massengill, CRP,e-Pro, GRI. If you have any interest, please give me a call at 910-7000.... more
You may want to send a "response" to the lawsuit so it's on record that you are leasing. That way you should be able to stay until your lease expires--that is as long as your are paying a fair market rental price. An attorney can file a response for you. Some people also file their own response.. I'm not an attorney and have to tell you to seek legal advice.
Also don't think you can stop paying your rent because the landlord's foreclosure has nothing to do with your rental agreement. The landlord can file an eviction against you and it could injure your chances of getting your next rental or better yet your first home!
This home sits on a 75' wide lot and most of these lots are 400' deep backing to Intracoastal. Deep water canal that travels to St. Augustine and Ocean. Below are more details on this home. Any commercial zoning in this area would either be a restaurant, convenience store or fish camp.
TILED ENTRY FOYER LEADS TO OPEN LIVING SPACES WITH BEAUTIFUL INTRACOASTAL VIEWS. WELL-APPOINTED KITCHEN FEATURES GRANITE, BUILT-IN WINE RACKS, & PANTRY. OPEN TO LARGE BREAKFAST AREA AND SPACIOUS OPEN GREAT ROOM W/GAS FIREPLACE - ALL WITH GREAT VIEWS. FORMAL DINING ROOM WITH WAINSCOTING. SPACIOUS MASTER BEDROOM WITH HUGE CLOSET. BATH FEATURES GRANITE COUNTERS, DEEP SOAKING TUB AND SEPARATE SHOWER. PRIVATE GUEST SUITE WITH BATH, & TWO MORE BEDROOMS WITH JACK AND JILL BATH COMPLETE THE FIRST FLOOR. UPSTAIRS THE MEDIA/GAME ROOM OFFERS INCREDIBLE VIEWS - PLENTY OF SPACE FOR POOL TABLE - THEATER EQUIPMENT WILL STAY. ANOTHER BONUS ROOM OR OFFICE COULD ALSO BE A 5TH BEDROOM WITH FULL BATH. THE THREE-CAR GARAGE IS UNFINISHED INSIDE SO THAT PLUMBING AND A/C EQUIPMENT MAY BE ADDED TO THE 562 SQ FOOT ROOM ABOVE, IF DESIRED. IT MAKES GREAT ATTIC SPACE AS IT IS NOW! OUTSIDE, THE TRAVERTINE-TILED LANAI WITH BUILT-IN GRILL OVERLOOKS A SPARKLING, SELF-CLEANING, SALT WATER POOL WITH FOUNTAIN. SEPARATE HOT TUB WITH PERGOLA AND EXTRA LONG 83-FOOT DOCK WITH SITTING AREA. 24-FOOT BOAT HOUSE WITH 10,000 LB. LIFT.
My name is Nanette Williams. Please contact me at 904.477.9306 to view this home. I work for ZipRealty and have been a Realtor for over 14 years. I specialize in the Beaches.... more
No but I would say a good percentage of them are distressed - foreclosure or short sale. Depends too on the state of the complex - conversions where investors bought big time in 2004-2006 seem to feel pain the most but there are others that are fairing well. Tell me what you are looking for exactly and I'll happily be your guide to a great deal.... more