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Short Sale is
an option for the homeowners who are having an economic or financial hardship
which prevents them to honor their debts and that know they just want to walk
away from the house. Negotiating a short
sale with the bank or mortgage lender consist in applying for the approval of
selling the real estate for less than the amount of money owed to the bank
and/or less of the balance of debts secured by liens against the property. In consequence a deficiency or unpaid balance
will remain. Pre-approved short sales terms before listing their properties,
fully released from future liability for the first mortgage debt, up to $ 3,000
for borrower relocation assistance and exclusion of income for taxpayer on
discharge of debt on their principal residence are incentives provided by
programs as HAFA AND MDRA.
This process is
an alternative to foreclosure because alleviates from a prolonged stress to
homeowners and additional fees and cost to all involved parts. However it’s a
very complicated negotiation process, with so many interested parts involved (primary mortgages, junior liens holders,
HOA), with different levels of approval. There are a lot to consider before
taking this decision; is a long process and seller’s credit score will be
negative affected. Besides, the seller’s release of liability, or the seller
obligation to repay any deficiencies of the loan should be clear stated. Definitively
Short Sale process should be handled for skilled and experienced professionals,
in order to get the desired result and avoid the foreclosure.
Corina DeFanti
cfantirealty@gmail.com
Short Sale es una opción para aquellos propietarios de viviendas quienes se
encuentran en una situación económica que les impide honrar sus deudas y
quienes desean dejar esa propiedad. Negociar un Short Sale consiste en
solicitar al banco o institución financiera, que permita la venta de la
propiedad por menos cantidad de dinero que la hipotecada. Esto originara un
saldo deficitario. Ventas cortas aprobadas antes de listar las propiedades, la
liberación total del pago sobre la primera hipoteca, hasta $3.000 para
relocalización del prestatario y exclusiones fiscales, son algunos de los
incentivos que los programas HAFA y MDRA, han proporcionado.
Este proceso es
una alternativa al Foreclosure, puesto que alivia al propietario de un stress más
prolongado y de gastos adicionales. Sin embargo, es un proceso de negociación
muy complicado, con muchas partes interesadas involucradas en el mismo
(primeras y segundas hipotecas, deudas con Asociaciones) y con diferentes
niveles de aprobación. Hay mucho que considerar antes de tomar esta decisión, ya
que es un largo proceso y el reporte de crédito del vendedor se vera afectado. Además,
la liberación de la obligación del vendedor de pagar el monto deficitario debe ser claramente establecida. Short Sale
es definitivamente un proceso que debe ser manejado por profesionales capaces y
con experiencia en el área, a fin de conseguir el resultado deseado e evitar el
foreclosure.
Corina DeFanti
cfantirealty@gmail.com
sábado, 18 de agosto de 2012
viernes, 17 de agosto de 2012
ESPECTACULAR CASA EN WESTON
BED: 6
FULL BATH: 7
HALF BATH: 1
GARAGE: 4
LOT: 43,747 SFT LIVING AREA: 10,972SFT
HOBBY ENTERTAINMENT HOME THEATER
SOLAR PANESL
HURRICANE ELECTRIC PANELS
GUEST: 1BATH, 1 BEDROOM, GARAGE, KITCHEN.
US$ 6,500,000.00
miércoles, 15 de agosto de 2012
miércoles, 1 de agosto de 2012
miércoles, 11 de julio de 2012
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sábado, 30 de junio de 2012
jueves, 28 de junio de 2012
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sábado, 23 de junio de 2012
jueves, 21 de junio de 2012
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lunes, 11 de junio de 2012
This is something we should all read at least once a week!!!!! Make sure you read to the end!!!!!!
Written by a 90 year old
This is something we should all read at least once a
week!!!!! Make sure you read to the end!!!!!!
Written by Regina Brett, 90 years old, of the Plain
Dealer, Cleveland, Ohio .
"To celebrate growing older, I once wrote the 45
lessons life taught me.
It is the most requested column I've ever written. My
odometer rolled over to 90 in August, so here is the column once more:
1. Life isn't fair, but it's still good.
2. When in doubt, just take the next small step.
3. Life is too short - enjoy it.
4. Your job won't take care of you when you are sick.
Your friends and family will.
5. Pay off your credit cards every month.
6. You don't have to win every argument. Stay true to
yourself.
7. Cry with someone. It's more healing than crying alone.
8. It's OK to get angry with God. He can take it.
9. Save for retirement starting with your first paycheck.
10. When it comes to chocolate, resistance is futile.
11. Make peace with your past so it won't screw up the
present.
12. It's OK to let your children see you cry.
13. Don't compare your life to others. You have no idea
what their journey is all about.
14. If a relationship has to be a secret, you shouldn't
be in it.
15. Everything can change in the blink of an eye. But
don't worry; God never blinks.
16. Take a deep breath. It calms the mind.
17. Get rid of anything that isn't useful. Clutter weighs
you down in many ways.
18. Whatever doesn't kill you really does make you
stronger.
19. It's never too late to be happy. But it's all up to
you and no one else.
20. When it comes to going after what you love in life,
don't take no for an answer.
21. Burn the candles, use the nice sheets, wear the fancy
lingerie.
Don't save it for a special occasion. Today is special.
22. Over prepare, then go with the flow.
23. Be eccentric now. Don't wait for old age to wear
purple.
24. The most important sex organ is the brain.
25. No one is in charge of your happiness but you.
26. Frame every so-called disaster with these words 'In
five years, will this matter?'
27. Always choose life.
28. Forgive but don't forget.
29. What other people think of you is none of your
business.
30. Time heals almost everything. Give time time.
31. However good or bad a situation is, it will change.
32. Don't take yourself so seriously. No one else does.
33. Believe in miracles.
34. God loves you because of who God is, not because of
anything you did or didn't do.
35. Don't audit life. Show up and make the most of it
now.
36. Growing old beats the alternative -- dying young.
37. Your children get only one childhood.
38. All that truly matters in the end is that you loved.
39. Get outside every day. Miracles are waiting
everywhere.
40. If we all threw our problems in a pile and saw
everyone else's, we'd grab ours back.
41. Envy is a waste of time. Accept what you already have
not what you want or need.
42. The best is yet to come.
43. No matter how you feel, get up, dress up and show up.
44. Yield.
45. Life isn't tied with a bow, but it's still a
gift."
martes, 5 de junio de 2012
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