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Winter Haven : Real Estate Advice

  • All163
  • Local Info18
  • Home Buying52
  • Home Selling4
  • Market Conditions7

Activity 57
Thu Jan 28, 2010
Amber Carrillo answered:
Short sales often take longer because of the paperwork and the back and forth that happens between lien holders. Patience and a pushy realtor will go a long way towards getting it done. As long as your realtor stays on top of it there is a possiblity of it getting done.
Good Luck
Saul Carrillo Realtor
It Homes
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Fri Sep 4, 2009
Bryant Tutas-Speaks Spanish answered:
Hi Marty, That's a very good question. My suggestion would be to ask whoever does your taxes. You can also find info here that may help

Good luck to you.
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Fri Jul 24, 2009
Hannah Fliegel answered:
Hi Ginam,

Hang in there. You can be agressive and pull your offer or threaten to pull your offer if you do not hear back by a certain date. I think that patience is key here. If you are getting a good deal just wait. If you do not get this deal there is more inventory coming and you can try again. ... more
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Wed Jul 8, 2009
Ginam asked:
costs.The bank did the appraisal and got all info from seller & now we wait for negotiator (lender asked her for deadline to be on July 21st)We are also the only offer on this house rig...
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Thu Jun 4, 2009
The Stones - Michael and Deanna Stone answered:

Unfortunately, when dealing with bank-owned properties the bank will not accept an offer contingent upon the sale of another property. What property is it that you the interest in?

You can reply to my business e-mail:
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Wed Apr 8, 2009
NonRealtor answered:
They'll get to you eventually. They're probably swamped. Sorry to hear about your situation. On the positive side of things--enjoy the free ride while it lasts. Good Luck
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Sun Jan 16, 2011
Donna Barron answered:
Hi Anna,
Thank you for your inquiry on 3344 Livingston Way. The HOA dues there is $224/ mo, Approx. half of it is the mainenance dues and pays for the upkeep of the common areas, the lawn (including each homeowner, painting of each home once every 4 years. The other half is for membership in the clubhouse. If you have never visted the clubhouse and are considering Traditions, you really should. It contains several common areas, huge dining room, movie theatre, dance studio, incredible workout room, library, arts and crafts room, card room, pool room, computer center. The pool area is just fantastic. The view from the pool is Ruby Lake. There are two fishing piers for residents, one with a gazebo and a boat ramp. At this time, Traditions does not have the right to launch boats in the lake, but that is in the works.
It is a beautiful place to live. Freedom to enjoy life is what it is all about there.
This listing on Livingston Way is a very nice home. Please contact me if you would like to see it.
Donna (863) 224-4263
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Thu Jan 6, 2011
Rod Bostic answered:
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Fri Oct 17, 2008
Thomas McGiveron answered:
What's the "80"?

Anyhow - short sale is basically a homeowner still owns the home and is selling the property for less than what it's worth AND must prove a financial hardship.

foreclosure is bank owned (the owner has been foreclosed on already).

The differences between deals - and buying them is different as well. See the references.
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Wed Oct 15, 2008
Bryant Tutas-Speaks Spanish answered:
Hi Eric, I don't see the answer you are referring to but let's see if I can sort this out for you.

Maybe you are referring to PMI and BPO? PMI is private mortgage insurance and is an insurance policy paid for by the borrower OR the lender that insures the lender against loss related to a mortgage. For example: You buy a house for $100,000and finance the entire purchase. The lender, will probably require that an insurance policy (PMI) be place don the loan to cover 20% of the mortgage amount or $20,000. If you default the PMI is responsible to pay up to 20% or $20,000. This is the reason they have a say so in whether or not a "short sale" can be accepted.

BPO is "broker price opinion" and is basically an opinion of value of a particular property given my a licensee or broker. Lender use BPOs to price pre foreclosure and foreclosure properties.

I hope this helped to answer your question
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Fri Oct 17, 2008
Jim answered:
Sort sales take a long time because there are over a million right now on mortgage company desks and they are cutting costs by laying off employees. Imagine if all of a sudden the number of cars needing new tires went up 100 fold... how long would the line at the tire store be? Your short sale offer goes on the bottom and when they get to it they get to it and frankly they dont care if the deal falls apart because they have many more to deal with.

Often the second has a PMI policy even though you dont know it. The bank is paying for it which is one reason the seconds interest rate is higher. Usually the second has to run it past the PMI company. In addition the second is just begining the process when the first agrees. Even thought your agent may have faxed them at the same time the second has to wait for a commited offer from the first to consider it a serious ofer.

In some cases the second may actually order a new BPO or crunch the numbers and decide to just let it ride and come after you after. Even though foreclosure removes the lien on the property it may not relieve you of the obligation to pay the debt.

If you do have PMI on the second the PMI company can turn it over to a collection agency if they dont agree to accept the offer from the first as payment in full. It's important to get in writing that they accept the money as "settled for less than owed"
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Sun Aug 3, 2008
Will Robles answered:
You could always list it with a realtor but then commissions would be expected. You could sell it FSBO but the buyer would have to make up your backed payments and would have to adhere to the loan terms in place. Another option would be to sell it to my company. WE BUY HOUSES! If you're in foreclosure we talk directly to your lender and can even purchase the property from them if your home shows no equity! There are several different ways we buy houses, the norm is CASH and a very quick closing. You may contact me if you have any other questions, I'd be more than happy to answer them.

Will Robles
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Wed Jul 9, 2008
Carol Ann Sargeant. e-pro Realtor, answered:
I have an older MH on a lot in a 55+ community for $63,000. Two bedroom, double wide with screened porch with removable plastic panels for year round use, in N Lakeland.. I assume you want to purchase a lot, not rent it. There are not may of those around. Do you want to be in Winter Haven?
Carol Ann
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Mon Jun 9, 2008
Bill Eckler answered:

It is the right time to purchase in any area of Florida.....but, if you are purchasing to rent, be smart about the area you select. There are locations that are better than others. Do your homework and identify an area that year after year has large numbers of rental requests. Also keep in mind that you can't beat a spot that is close to the beach or golf course for added appeal.

Another consideration is that the right seasonal rental location can generate nearly as much income as an annual rental. It's a matter of finding the right place.....

We would be happy to help you find such a location.

Best of luch,

The "Eckler Team"
Century 21 Almar & Associates
Venice, Fl 34285
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Tue Feb 10, 2015
Jacqueline Fortier - JC Penny Realty answered:
What about a 2 bedroom home on Lake Dexter blvd? It is for sale for $120,000.
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Sun Dec 29, 2013
Carrie Cornelius answered:
Jan, have you tried doing a search on ? (Polk County Property Appraiser's.)
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Sun Oct 7, 2007
Irina Netchaev answered:
Hi Becky,

Market conditions vary from area to area. I would touch base with a local real estate agent to see what is happening in your area. Also, a great source is

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