A real estate short sale is when the your mortgage bank/servicer’s investor has agreed to take less than what is owed.

A short sale is a foreclosure alternative.

The Short Sale Guide will take you through the steps of a short sale. Great for Realtor & Homeowners…You’ll learn how to prepare for a short sale and what steps to take to apply for a HAFA short sale the government short sale. In the guide, you will find insider tips on how to save time throughout short sale process.

Learn what to expect from the bank.

Do you consider yourself frugal? Smart? Sophisticated? All of the above? For many, the answer is “yes.”

So why leave hundreds, if not thousands of dollars on the table when selling, buying or refinancing property in Florida?

“Title companies in Florida are prohibited from discounting a title insurance premium rate set by the state. But they can offer a rebate,” said Assure America Title Company president Anthony Crupi. “Just by asking, consumers can receive from my company title insurance rebates of up to 20 percent.”

A $500,000 home sale in Florida requires payment of title insurance at $2,575. A $1 million dollar home costs $5,075 in title insurance.

“In most counties in Florida, a 20 percent rebate could put $515 back in your pocket if you sold a $500,000 home, or $1,015 on a $1 million home,” Crupi said.

“The buyer pays the title fee in Broward, Miami-Dade and Monroe counties, while the seller pays the fee in Palm Beach County and the rest of the state. Theoretically, a person selling a home in Palm Beach County and buying a new home in Broward or Miami Dade would have to pay title insurance fees twice,” Crupi said.

“There are many closing costs involved in buying and selling property. You pay real estate commissions, attorney fees, and taxes to record the sale and transfer of a property. With the economy sluggish and real estate prices down in many cases, it makes sense to be an educated consumer and seek to cut costs where possible,” Crupi added. “The state allowed title insurance rebate program we offer can be significant.” What is Title Insurance

Assure America Title Company provides a variety of title services to protect home buyers and lenders against losses because of title defects or liens on property. The company offers services throughout the United States but has a particularly strong presence in Florida. Services offered include:

•     Settlements for Purchase/Refinance
•     Free Short Sale Processing
•     Title and Liens Searches
•     Deed Preparation
•     Escrow Services
•     Closing Services
•     Commercial Title Services
•     1031 Exchange

To learn more about the types of services Assure America Title Company offers, including the Florida Title insurance rebate program, call 1-877-427-9696, or visit the company web site at http://www.assureamericatitleinsurance.com.

What is a Short Sale

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WEST PALM BEACH, FL (Oct. 14, 2010) – Foreclosure paperwork mishandling by lenders and their legal representatives could provide an opening for individuals attempting to “short sale” their properties, Realtor and real estate mediator Deidre Newton says.

“Attorney Generals and consumer groups are questioning whether lenders have filed, based on overwhelming volume, insufficient or illegal paperwork against property owners who have fallen behind in their mortgage payments,” Newton says. “The challenges in the courts may result in a significant delay of foreclosure cases for several months, if not longer.”

But for those individuals making payments but having a hard time selling their property because their mortgage has become higher than the value of their home, the foreclosure paperwork fiasco could be beneficial, Newton said.

“The foreclosure paperwork mess might create added leverage for ‘underwater’ home owners,” said Newton, founder of the ,

“Lending institutions might be more willing to negotiate the sale of such properties to move them off their books,’” Newton said. “While short sales are not optimal for lenders, they might see them as a pragmatic way of keeping people from abandoning their homes and creating a greater devaluation of properties and blighting of neighborhoods.”

A frequent contributor to media reports on the real estate scene, Newton is participating in a series of “Florida Housing Help” workshops sponsored by the state Department of Financial Services, http://www.myfloridacfo.com/Consumers/OutReach/FLHousingHelp.asp.

The next workshop is this Saturday, Oct. 16, 10 a.m. to 4 p.m. at the City of Lauderhill City Hall, 5581 W. Oakland Park Blvd.

Newton will also be holding a seminar called “Short Circuit the Short Sales” from 9-11 a.m. next Wednesday, Oct. 20, with members of the Jupiter-Tequesta-Hobe Sound Association of Realtors, 901 W. Indiantown Rd # 18, in Jupiter.

(For additional information, contact Newton directly at (561) 685-0386 or isellwpb@aol.com)

Short Sale Processing Free short sale processing

What is a Short Sale thinking of short selling your home, learn how here

Florida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

After helping and getting to know both of these individuals, we realized the underlying benefits that go along with a short sale. There are many benefits to a short sale vs. a foreclosure and sharing them with potential clients will help you solidify those relationships. Maybe you know a Government worker who is facing foreclosure and doesn’t realize the severity of it. Maybe this experience will help them.

There are many ways we can work together and support you with your clients.

When it comes to short sales, we offer 2 levels of service:

Full Short Sale Processing – From listing to closing we will help gather documents, provide a free preliminary title search, submit file, follow up and obtain a Short Sale approval. NO UPFRONT COSTS…We get paid when you get paid at Closing! No Attorney or Short Sale Processing Fees.

24 Hr. HUD Service – Many realtors like to retain control of their short sale and our 24 Hour HUD service was created to support them. We will provide you with a Free Preliminary search and all the updates you may need to successfully complete the short sale.

If you’re interested in hearing more about how we can help you,

Please Call Me… 1-877-427-9696

Short Sale Package Available Upon Request

Thank You,
Anthony Crupi
Assure America Title Company
“Our Knowledge is your Advantage”

Contributers:

What is a Short Sale thinking of short selling your home, learn how here

Florida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

Click… Solar Development

If you meet the below criteria, talk to Solar Grounds about having a site developed on your grounds

Solar Site Criteria

-
Location:

• MA, MD, NJ, PA, DE, NC, SC, TN,GA, MS, AL, KY, AZ, CA, OR, CO

System Type:

• Ground mount
• Roof mount

*System types vary by State and Utility company requirements

Size:

• Minimum 1 acre for Ground mount
• Minimum 25,000 sq. ft. for Roof mount

Required Information for Site Evaluation:

• The site address and legal owner information
• Site specific information (please provide as much detail as possible)
• For rooftop installations – available square footage, material, condition, obstructions
• For ground installations – parcel size, access, distance from meter, has site been cleared
• 12 month’s most recent electric utility bills
• Name of the utility currently providing power to the site
• General description of site operations

The preliminary project modeling  process takes approximately 2 weeks.

What is a Short Sale thinking of short selling your home, learn how here

Florida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

It’s important to know “you have options’

1. Get a free credit card debt analysis at Credit Card Debt Reduction they will provide you with a program that can have youout of credit card debt in a little as 9 months

2. If your home is in any stage of foreclsoure you should highly consider a short sale as it is a much better option and wiull help save your credit for futire purchases go to What is a short sale and learn.

3. Are you current on your mortgage but cannot refinance due to your homes value try and short pay refinance, believe it or not there are some loan servicing companies that willtake less than what you know. find out more here: Short Pay Refinance

4. Have to sell and quick got to Sell First Realty at Homes for sale in Boca Raton Florida

What is a Short Sale thinking of short selling your home, learn how hereFlorida Title Insurance Company Florida title insurance companyFlorida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

However, you should consider to be assisted by our Agents at SellFirst Realty.

We provide state-of-the-art technological support and marketing innovations.

Visit Homes For Sale in Boca Raton Florida

 Plus, our nationwide title and mortgage network allow us to offer a one stop client friendly service

What is a Short Sale thinking of short selling your home, learn how hereFlorida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

The U.S. Housing and Urban Development (HUD) is helping borrower (s) move from their home with a program called Pre-Foreclosure Sale (PFS Program). This program allows borrowers who have fallen short on their payments and are now in pre-foreclosure sell their homes short of what they owe.

Basically, how the program works is if you meet certain criteria set forth by HUD…HUD will perform a new appraisal of your home and accept roughly 88% of the current homes value satisfying he old mortgage note.

Key Factors are:

• Borrowers/Sellers will receive cash incentive of up to $1,000
• The Mortgagee (your lender) or HUD will not pursue the borrower for a deficiency judgment
• Borrowers/Sellers must professionally & actively market property for up to 3 months which will delay any foreclosure proceedings.
• Must have a marketable title, title search must be performed and all liens should be cleared/discharged prior to closing
• Borrower can be current at time of submission but must be delinquent by at least 30 days prior to the closing
• Property values are determined by an FHA certified appraiser, using a “as-is” Fair Market Value (FMV)
• Mortgagor/Sellers must maintain property in “ready to show” condition
• Mortgagee/ lender must respond within 5 working days from receipt of the executed contract

Eligibility:
• The property must be owner-occupied, no “walk-a ways” or investment properties. Exceptions: when it is verifiable that the need to vacate was related to the cause of default (job loss, transfer, divorce, death), and the subject property was not purchased as rental investment, or used as a rental for more than 18months.

• The Mortgagor must be 31 days or more delinquent at the time of the Pre-foreclosure Sale closing.

• The Mortgagor must provide documentation substantiating a reduction in income or an increase in living expense, and documentation that verifies the Mortgagors need to vacate the property (if applicable).

For more information call 1-877-427-9696

Contributers

Real Estate Negotiation School effectively teaches strategies and techniques to resolve real estate financial and credit disputes and dilemmas.

RENS offers web based and live programs to the mortgage and servicing industry, government entities, consumers, real estate and other professionals including lenders, investors, attorneys and mediators.

Short Sale Title Company

What is a Short Sale

Short Sale Realtor

What is a Short Sale thinking of short selling your home, learn how here

Florida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

1. If you are behind on your current mortgage…a reverse mortgage can be used to get you current and out of potential foreclosure.
2. Help better your way of life, most seniors we talk to are just getting by, that does not have to be….you spent your whole life paying for a house not let it pay you to enjoy the rest of your life.
3. Help the Kids, many senior homeowners we speak too tell us that they have been having to help their kids as the economy weekend, if your kids are going to end up with the house, you might us well see it the equity get put to use your way making sure the kids are helped with the necessities.

Apply here for a Reverse Mortgage and get a free consultation

What is a reverse mortgage?

A Florida Reverse Mortgage allows older homeowner’s (62+) to convert home equity into cash through monthly income, a line of credit or cash. The Florida reverse mortgage is different from conventional home equity loans: No income or credit qualifications, no monthly or immediate repayment due. The Florida reverse mortgage is repaid when the home is no longer the primary residence of the borrower (s).

There are several types of Reverse Mortgages:

• FHA insured HECM, sponsored by a branch of the U.S. Department of Housing and Urban Development (HUD)
• Fannie Mae Home Keeper, sponsored by Fannie Mae
• Proprietary programs by private banks

FL Reverse Mortgage Property Qualifications

Single family up to four units…

The borrower has to reside in one unit as their primary residence but can rent the other unit (s).

Condos…
The condominium needs to be HUD approved or receive HUD spot approval. This can be done with a spot condominium affidavit completed by the homeowners association (provided by the lender). Special assessments and on-going litigation are not acceptable. HOA reserve must be sufficient. Planned Unit Developments (PUD).

Manufactured Homes…
Manufactured Homes maybe acceptable under certain conditions.

How do I the borrower get paid?

Monthly Payments…
As a tenure plan: receive a check for as long as one lives in their home.

As a term payment: receive a check for a certain period, i.e. 10 years or 15 years (only available on the HECM).

Line of Credit…
With the FHA HECM loan, the balance in the credit line could grow at .5% higher than the current interest rate being accrued. This could result in more money available for the borrower at future dates (There is no growth rate with the Fannie Mae Home Keeper loan).

Lump Sum or a Combination of the above…
With either the FHA or Fannie Mae loans, the payment plan may be changed during the term of the loan. A small one-time fee will be charged to the loan balance at the time of each change.

If you are considering a Reverse Mortgage you may also want to obtain a Title Insurance Quote

If you are behind on payments and not interested in a reverse mortgage, try What is a Short Sale for everything you need to know about short saling your home.

Homes for sale in Deerfield Beach 

Homes For Sale in Boca Raton Florida Whether searching for new homes, short sales, listing your property or buying foreclosures Homes for sale in Boca Raton Florida can provide you with with expert an solutions

Provides the best credit card reduction services Credit Card Debt Relief Get a Free Debt Analysis.

What is a Short Sale thinking of short selling your home, learn how here

Florida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

In some cases you don’t even need an appraisal to Refinance Florida Mortgage.

Refinance Florida Rates are lower than ever and getting qualified is quick and painless.

Refinance Florida is available in Miami, Boca Raton, Fort lauderdale, Tampa, Jacksonville, orlando and through out the rest of Florida and many other states.

Always get a Florida Title Insurance Quote so that you know exactly how much your title closing costs will be.

Also, if you are like some other unfortunate homeowners and may be in need of a short sale, try What is a Short Sale for info on Short Selling your home, they will provide you with a free Short Sale Package

Florida Home Refinance

Homes For Sale in Boca Raton Florida Whether searching for new homes, short sales, listing your property or buying foreclosures Homes for sale in Boca Raton Florida can provide you with with expert an solutions

What is a Short Sale thinking of short selling your home, learn how here

Florida Title Insurance Company Florida title insurance company

Florida Title Insurance Rate Shop for the best title insurance rates

What is Title Insurance Learn why you need title insurance, protect your best investment

Provides the best credit card reduction services Credit Card Debt Relief Get a Free Debt Analysis.  Or Consolidate with Refinance Florida