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# Rulnick Realty

Northwest Florida Real Estate

## Sitemaps

- [XML Sitemap](https://www.itswendy.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Emerald Coast Real Estate Blog](https://www.itswendy.com/blog/)
- [Walk to Beach - RV Home & Lot - for sale - Miramar Beach FL 32550](https://www.itswendy.com/walk-to-beach-rv-home-lot-for-sale-miramar-beach-fl-32550/) - Park Model RV home in Miramar Beach Florida 2 blocks to beach for sale. Non-rental community. 500 SF with new shed, metal room, custom built home in 2020.
- [Rulnick Realty in Miramar Beach Florida 32550](https://www.itswendy.com/rulnick-realty-in-miramar-beach-florida-32550/) - We've moved our real estate office across the street - still on Highway 98 in Miramar Beach, Florida near the Destin line! You can now find Wendy Rulnick, Broker, Rulnick Realty at 12598 Emerald Coast Pky, Miramar Beach, Florida 32550. Give us a call to stop by and say "Hello" at 850-259-0422. We are looking Rulnick Realty in Miramar Beach Florida 32550
- [Glossary of Probate Real Estate Terms](https://www.itswendy.com/glossary-of-probate-real-estate-terms/) - Are you the representative for probate real estate in Fort Walton Beach Florida? Here is a list of common probate real estate terms you may see
- [short Sale Help on the Emerald coast of florida](https://www.itswendy.com/short-sale-help-on-the-emerald-coast-of-florida/) - Why would someone have to "Short Sale"? It stems from inability to keep and pay the mortgage for a house, condo, townhome or lot
- [Land Sale Scam On 30A Walton County Florida](https://www.itswendy.com/land-sale-scam-on-30a-walton-county-florida/) - If you don't think land sale scams happen on 30A, in Walton County, Florida, think again! Listen to the following scenario: "Ring Ring!" My good client calls. She saw a lot for sale online on 30A, in Santa Rosa Beach, Florida, in a beautiful subdivision just east of Rosemary Beach. I know the subdivision. She
- [what's the Square Footage of your house or condo?](https://www.itswendy.com/what-is-your-square-footage/) - The size of a property is critical when analyzing price. There are three ways to obtain square footage
- [7 Tips for Negotiating Your "For Sale By Owner" Contract](https://www.itswendy.com/7-tips-for-negotiating-your-for-sale-by-owner-contract/) - You’ve been trying to sell your For Sale By Owner property in the Destin, Santa Rosa Beach, Niceville of Fort Walton Beach of Florida area for a while, and finally, there is an interested buyer! In fact, you just finished showing your home and he’s standing in the foyer by the door. He said he
- [Brian Howell Upholstery - Fort Walton Beach, FL](https://www.itswendy.com/brian-howell-upholstery-fort-walton-beach-fl/) - Redecorating… and upholstery! We had gorgeous teak chairs long and lovingly used that had been perfect for me and my husband. Our birdwatching, talking, puzzle-doing, reading chairs. After twenty years, the fabric was becoming threadbare. I didn’t want to really buy new ones, as these special chairs were wide enough to sit cross-legged, which I
- [25 Costly Mistakes Destin Florida Home Buyers Make](https://www.itswendy.com/25-costly-mistakes-destin-florida-home-buyers-make/) - Costly mistakes Destin Florida home buyers and how to avoid them. I just started with these mistakes, there are many more, don't lose money or your new house.
- [Offer on Your home in Destin or Niceville?](https://www.itswendy.com/offer-on-your-home-in-destin-or-niceville/) - Learn how to handle offers and the closing of your home in Destin and Niceville, Florida on track.
- [🔍 Emerald Coast Real Estate Market NOW - Destin, 30A, Niceville, Fort Walton Beach](https://www.itswendy.com/🔍-emerald-coast-real-estate-market-now-destin-30a-niceville-fort-walton-beach/) - urther downward pressure on prices is logical in the Emerald Coast real estate market, including Destin, 30A, Niceville, and Fort Walton Beach
- [Selling Your in Home Destin and Niceville, Florida](https://www.itswendy.com/selling-your-home-destin-and-niceville-florida/) - Learn how to price and market your home effectively in Destin and Niceville, FL. Insights on CMA, MLS, and targeted marketing strategies to get top dollar.
- [When Your Home Hits the Market - Destin and Niceville FL](https://www.itswendy.com/when-your-home-hits-the-market-destin-and-niceville-fl/) - What happens after your home goese on the market in Destin and Niceville, FL. Learn how to handle showings, feedback, keep your sale on track with smart steps.
- [🚀 Just Launched: Artificial Intelligence, AI, ChatGPT for real estate to Superpower Your Home Sale!](https://www.itswendy.com/🚀-just-launched-artificial-intelligence-ai-chatgpt-for-real-estate-to-superpower-your-home-sale/) - I just started the “ChatGPT Advanced Data Analysis” course by Dr. Jules White from Vanderbilt University on Coursera, and WOW — I’m completely reimagining how I help homeowners sell their houses faster and smarter on the Emerald Coast of Florida. We are talking Artificial Intelligence, AI, ChatGPT for real estate! 🧠 What’s Advanced Data Analysis Artificial Intelligence, AI, ChatGPT for real estate
- [Freeze Warning - Take Precautions!](https://www.itswendy.com/freeze-warning-take-precautions/) - With freezing temperatures, ice and snow on its way to Destin, Florida, take precautions to protect your commercial property. Check the comprehensive list of items to pay attention to! Thank you to B&C Fire Safety! Please take this time to ensure that the following items around your buildings: Exterior backflows Dry systems Wet systems Drum
- [Don't Be Surprised! Read the Contract!](https://www.itswendy.com/dont-be-surprised-read-the-contract/) - We are all guilty of lazily clicking through Docusign contracts online and signing and initialing as fast as we can. (I've done it!) Does anyone actually read what they are signing? You can, of course. There are even ways to (gosh!) print out documents to read at your leisure or with a magnifying glass when
- [Grateful Log - It's Thanksgiving!](https://www.itswendy.com/grateful-log-its-thanksgiving/) - Here we go! Family - near and far Friends The ocean blue (specifically, the Gulf of Mexico) Shopping choices! Cooking! Husband cleaning (after my cooking) (Oh, and my husband!) Two delightfully purrfect kitties (meow) Birds to watch The view to the marsh The Bay (Choctawhatchee) Daydreaming driving across the bay Great tenants (we are friends!)
- [How Overpricing Your Destin Home Affects Your Bottom Line](https://www.itswendy.com/how-overpricing-your-destin-home-affects-your-bottom-line/) - Even though there’s a big buyer demand for homes in today’s low inventory markets in Destin, 30A and Niceville, it doesn’t mean you should price your home as high as the sky when you’re ready to sell. Here’s why making sure you price it right is key to driving the best price for the sale.
- [21 Questions For You - The Destin Florida Short Sale Seller](https://www.itswendy.com/21-questions-for-you-the-destin-florida-short-sale-seller-2/) - Are you thinking of selling your Destin Florida property as a short sale? Here are a few questions I’ll use to start our conversation.... 1. Who are the mortgage holders on your property? 2. Approximate balances? 3. Is your loan VA or FHA/HUD? 4. Do you have a hardship? If so,
- [Are You Ready for a Hurricane on the Emerald Coast?](https://www.itswendy.com/ready-hurricane-emerald-coast/) - Hello, Friends on the Emerald Coast of Florida! It's that time of year again. For what? Well, maybe... a hurricane? I hope not, but hurricane season officially began June 1 and ends November 30. The last major hurricane in Northwest Florida was Hurricane Michael, seven years ago. How long do you think we will remain
- [How to Sell Faster and For More Money - List - Sale - Price Ratio](https://www.itswendy.com/your-first-offer-is-likely-your-best-dont-overprice-to-get-better-list-sale-price-ratio/) - Time and again, I've seen sellers reject a first and often "fast" offer on their property. What a mistake. Here is how to get a better list-to-sale price ratio, and sell faster and for more money. Here is a typical scenario I am talking about: 1. Home is listed at $640,000. 2. An offer comes
- [Should You Accept a Back-Up Offer on Your House?](https://www.itswendy.com/should-you-accept-a-back-up-offer/) - Should you accept a back-up offer on your Destin Florida property, and what is it? I recently placed one of my Destin listings under contract. It's a fast market, so the house went "pending" in one day. The offer was great, for cash, with a strong price and a fast closing. Of course, I had
- [Want That House? How to Beat the Other Offer -  Florida Escalation Addendum](https://www.itswendy.com/want-that-house-how-to-beat-the-other-offer-florida-escalation-addendum/) - Do you want that house? You can bet others do, too. Chances are that when you make an offer on a Destin, Emerald Coast of Florida, house or condo, there will be at least one competitor trying to outbid you. If you had your agent ask the right questions first, you could only hope that
- [How to Sell Your Destin Florida Lot Listings](https://www.itswendy.com/how-sell-your-destin-florida-lot-listings/) - The other day I was searching my local MLS for lot listings in Destin or Niceville Florida. Who was the buyer? Me! So, with the eyes of a buyer and buyer’s agent, I looked for a suitable lot to potentially build a new home. What I found astonished me. Lot listings in Destin with no photos, lot listings in Niceville with
- [Sales Factors - How Important Are They in Pricing Real Estate?](https://www.itswendy.com/sales-factors-how-important-pricing-real-estate/) - How real estate sales factors are important to price real estate in Destin Florida and along the Emerald Coast.
- [How to Price a Destin Florida Condo](https://www.itswendy.com/how-to-price-a-destin-florida-condo/) - How to price a Destin Florida condo, taking into consideration water view and location in the building.Obstructed view, or boat slip market trend factors.
- [101 Baywind Dr., Southwind, Bluewater Bay, Niceville Florida](https://www.itswendy.com/101-baywind-dr-southwind-bluewater-bay-niceville-florida/) - Magnificent home for sale in gated Southwind, Bluewater Bay, Niceville, Florida. Five bedroom home on golf course with metal roof.
- [Office for sale - Miramar plaza, destin, florida 32550](https://www.itswendy.com/office-for-sale-miramar-plaza-destin-florida-32550/) - Large office unit for sale, 2660 SF, in Miramar Plaza, three blocks to beach. Ideal for law firm, real estate, architect, insurance agency, etc.
- [Do I have to Disclose Ghosts and haunted houses?](https://www.itswendy.com/do-i-have-to-disclose-ghosts-and-haunted-houses/) - Disclosure of ghosts and haunted houses, murders in the sale of Florida real estate
- [Can I take Over Payments to Buy Pre-Foreclosure?](https://www.itswendy.com/can-i-take-over-payments-to-buy-pre-foreclosure/) - Buy a pre foreclosure house in Niceville Florida on the Emerald Coast helping seller avoid short sale. Mortgage lender may offer forebearance.
- [high Mortgage rates affect Home Buyers On the Emerald Coast](https://www.itswendy.com/high-mortgage-rates-affect-home-buyers-on-the-emerald-coast/) - High Mortgage rates affect Home Buyers On the Emerald Coast. Sellers may help buyer with rate buydowns.
- [Happy Rosh Hashanah - Destin Florida](https://www.itswendy.com/happy-rosh-hashanah-destin-florida/)
- [Okaloosa County Florida Housing](https://www.itswendy.com/okaloosa-county-florida-housing/) - Do you want to influence the future of homes in Okaloosa County? Please take a few minutes to complete this survey and share your vision for meeting housing needs. Sponsored by the Okaloosa Board of County Commissioners. You will find questions pertaining to what type of housing should be increased, if any, in our local
- [Nice to Meet You - What Was Your Name Again?](https://www.itswendy.com/nice-to-meet-you-what-was-your-name-again/) - Nice To Meet You – What Was Your Name Again? How frustrating is it, when you greet someone by name on a regular basis and they only say “Hello” back? Or vice versa? You cannot remember their name, so you just say “Hello, how are you?” It feels like something is missing. Calling someone by name usually brightens
- [Florida Condo Safety Laws](https://www.itswendy.com/florida-condo-safety-laws/)
- [Walton County Short Term Rental Update](https://www.itswendy.com/walton-county-short-term-rental-update/) - Walton County Florida short term vacation rental updates.
- [Florida Hurricane Grants for New Roofs, Windows, Doors](https://www.itswendy.com/florida-hurricane-grants-for-new-roofs-windows-doors/) - Florida hurricane upgrade grants for new roofs, windows, and doors, as determined by a free State of Florida inspection. Homeowners may get up to $10,000.
- [Where are emerald coast short sales?](https://www.itswendy.com/where-are-emerald-coast-short-sales/) - I won't rule out Florida Emerald Coast short sales returning. No one can predict future prices. It doesn't seem likely, but buyers would scramble to buy
- [If No Real Estate Agent Will Help You Short Sale, Don't Give Up!](https://www.itswendy.com/if-no-real-estate-agent-will-help-you-short-sale-dont-give-up/) - One of my Destin Florida short sale sellers just emailed me: “My wife and I appreciate everything you have done for us. You were the first and only person we spoke with that actually did what they promised who weren’t trying to scam us. You have really helped our family finally get through these
- [Probate Estate Real Estate - Destin Florida](https://www.itswendy.com/probate-estate-real-estate-destin-florida/) - Wendy Rulnick, probate estate real estate agent, Destin Florida sells probate estate properties for executors, personal representatives, trustees.
- [How Do You Negotiate? Like Vinegar or Honey?](https://www.itswendy.com/how-do-you-negotiate-like-vinegar-or-honey/) - This week I dealt with two agents offering a startling contrast in styles. Sort of like "vinegar" and "honey". Agent Vinegar Tactics during negotiations: "Your seller must not really want to sell.” "How many offers have you had so far?” "It’s not priced right in the first place.” Agent Honey Tactics during negotiations: "I am
- [Is It a worm? just for fun](https://www.itswendy.com/is-it-a-worm-just-for-fun/) - Me, seeing crawly thing on the floor in the morning, that has cats' interest.... Ick!! What is it? Me, texting picture of crawly thing to husband at work. Text: "Is it a snake or a worm? Husband: "It's a worm. It rained, so they come out of the ground. Just sweep it up and put
- [Buying a Home with Golf Cart in Destin or Walton County, Florida? How to Register Your Low Speed Vehicle](https://www.itswendy.com/buying-a-home-with-golf-cart-in-destin-or-walton-county-florida-how-to-register-your-low-speed-vehicle/) - You are buying a house in Miramar Beach, 30A, or Destin, Florida, and it comes with a golf cart - or does it? I just sold two houses in Walton County that included "golf carts". However, one of them was really a "low speed vehicle" (LSV). What's the difference? In Florida, a golf cart is
- [It's SOLD! 1415 Baytowne Ci E., Sandestin, Miramar Beach, Florida 32550](https://www.itswendy.com/its-sold-1415-baytowne-ci-e-sandestin-miramar-beach-florida-32550/) - Sold! 1415 Baytowne Ci. E., Sandestin, Miramar Beach, Florida 32550 Factors contributing to the sale: Pricing analysis was done taking into account the condition of the Sandestin home, which was excellent, but also the non-updated aspects of the home. The kitchen and bathrooms had not been updated since the house was built in 2003. Competing
- [It's SOLD! Case Study: Emerald Grande W226, Destin, Florida 32541](https://www.itswendy.com/its-sold-case-study-emerald-grande-w226-destin-florida-32541/) - It's Wendy... It's Sold! Unit W226, Emerald Grande condo, 10 Harbor Blvd., Destin, Florida 32541 This Emerald Grande four bedroom condo in the corner stack had a tremendous view of Destin Harbor, the Choctawhatchee Bay, Crab Island, and the Gulf of Mexico. Although the floor number is "2", this condo was actually seven floors above
- [Picky Agent Saves Buyer Money - Okaloosa Island - Destin, FL](https://www.itswendy.com/picky-agent-saves-buyer-money-okaloosa-island-destin-fl/) - They say salespeople are not detail oriented. Well, they should be. My picky OCD personality has helped me market, sell, and close many Emerald Coast of Florida properties over the years. Being picky helps the client. Correct representation is imperative. Details can be dollars. Just recently, this picky agent sold a waterfront condo on
- [Should real estate agents Ever fire sellers or buyers?](https://www.itswendy.com/should-real-estate-agents-fire-sellers-or-buyers/) - It's not discussed in "public" much, but there are telltale signs when a real estate agent should consider firing their sellers or buyers.... Signs of trouble with the seller or buyer Their listing is overpriced. You've given it the college try, but the market is not responding. You've asked your seller to reduce the price,
- [Selling a Lot in Walton County Florida is More Than Sticking A Sign In The Ground](https://www.itswendy.com/selling-a-lot-in-walton-county-florida-is-more-than-sticking-a-sign-in-the-ground/) - I’m about to list a waterfront lot in Walton County, Florida. It’s on a rare Coastal Dune Lake. (Whenever you speak of “Coastal Dune Lake” in Florida, the word “rare” usually accompanies it.) Yesterday, I walked the lot for the first time. The sellers are not local, so I went by myself, a bit furtively,
- [Price per square foot? Not the whole story](https://www.itswendy.com/125-plantation-way-sold-palmetto-plantation-santa-rosa-beach-fl/) - Palmetto Plantation, Santa Rosa Beach, Florida highest price per square foot sale. Small homes usually sell more. 125 Plantation Way off Hwy 393 sold.
- [Destin Fire - No Homeowners Insurance!](https://www.itswendy.com/destin-florida-homeowners-insurance/) - Home buyer gets no Destin Florida homeowners insurance. Lotto winner buys house with cash, huge Destin fire with no coverage. Preventable financial loss 🔥🚒🏠
- [Text Decorum - Down the tubes](https://www.itswendy.com/text-decorum-down-the-tubes/) - The other day I received a text inquiry from a real estate agent about one of my Destin Florida listings. I tried to call her back. Of course, she didn't answer and I left a message on voice mail. Then I responded by text. I provided the agent with some of her requested information about
- [The Euphemistic Price Improvement](https://www.itswendy.com/the-euphemistic-price-improvement/) - Times are changing in real estate. Properties are not selling like they used to along the Emerald Coast of Florida. Sales within a few hours or a few days are now a rarity. Suddenly, it seems, prices are too high. In the first six months of 2022, in the communities of Destin, Santa Rosa Beach,
- [How to be the Winning Buyer if You Are Not Local - Emerald Coast of Florida](https://www.itswendy.com/how-to-be-the-winning-buyer-if-you-are-not-local-emerald-coast-of-florida/) - Good way to beat other offers in Destin, Santa Rosa Beach home purchase. Offer higher, escalation clause, pay closing costs. Florida contracts how to compete.
- [Writing the Offer - A Realtor's Story - Part 4 in a series](https://www.itswendy.com/writing-offer-realtors-story-part-series/) - Fourth in a Five Part Series Deciding to Move - A Realtor's Story- Part 1 Should We Sell or Buy First - A Realtor's Story - Part 2 The Search for a New Home - A Realtor's Story - Part 3 We found it! Having decided to move, buy before selling, searching diligently, we had
- [Choosing Your Destin Real Estate Seller, Buyer or Agent](https://www.itswendy.com/choosing-your-destin-real-estate-seller-buyer-or-agent/) - People who buy and sell Destin Florida residential real estate are generally emotional. I don't blame them. So am I (which you can tell from reading my new home purchase journey). It is typically one of the largest monetary transactions of anyone's life. The process can take from one month to a year. There is
- [Selling Your Destin Home? Require Buyer Proof of Funds](https://www.itswendy.com/sellingyourdestinhome-proofoffunds/) - Recently I've had two situations near Destin Florida where a real estate buyer's agent would not provide their buyer's proof of funds with a contract on one of my listings. What is proof of funds? It may be either a bank letter or statement showing adequate cash available to purchase a property, or it could
- [What Would You Do If The Seller Defaults?](https://www.itswendy.com/what-would-you-do-if-the-seller-defaults/) - We often hear stories about buyers defaulting on contracts to purchase real estate. They "walk", they don't deposit their earnest money, they don't apply for their mortgage on time, they don't close by the closing date. But how often do you hear about SELLERS defaulting? First, let's get the definition of default. According to the
- [The Moral Short Sale Dilemma](https://www.itswendy.com/moral-short-sale-dilemma/) - Are you considering short sale, but torn thinking it may be the most ruinous personal and financial decision you will ever make? You are not alone. As more families are confronted by upside-down real estate values, jobless or with limited income, the short sale question is daunting. To many, it is a moral choice. I
- [Have a Destin House to Sell Before You Buy?  Strategies Here!](https://www.itswendy.com/have-a-destin-house-to-sell-before-you-buy-strategies-here/) - I recently had a Destin Florida home listed where the seller accepted a contract contingent on the buyer's house house selling. This is always a predicament for the buyer. When his house sells, he may use the profits as a down payment on a new home. He may also need to sell his current house
- [Murders, Ghosts, Hauntings, Oh My! Florida Real Estate Disclosure!](https://www.itswendy.com/murders-ghosts-hauntings-florida-real-estate-disclosure/) - As the listing agent of a home Bluewater Bay, Florida, I was recently asked this question by a buyer’s agent. Her client wanted to know: “Have there been any deaths in the home?” Since it’s almost time for Halloween, I thought this was an appropriate topic for discussion. I looked up Florida Statutes 689.25, available online
- [Sometimes You Can Be “Too Good” At Sales](https://www.itswendy.com/sometimes-you-can-be-too-good-at-sales/) - I got "sold” by a good salesman the other day. Yep, buying a pair of sneakers. It was at a fancy outlet mall, and a big national brand. I tried on the sneaks, and they felt a little uncomfortable. The salesman, quite personable, said "You’ll get used to them” and that they were the "best
- [Welcoming Showing - Buyer Agents into your Destin Florida Home for Sale](https://www.itswendy.com/welcoming-showing-buyer-agents-destin-florida-home-sale/) - The other day I was showing homes in the Destin Florida area and had to schedule seven houses to show a couple. This is an exercise in geography and timing. You see, you cannot just jump in the car and show up at people's houses, knock on the door and expect them to let you
- [How To Write a Contract for an Eglin AFB HAP Home](https://www.itswendy.com/how-write-contract-for-eglin-afb-hap-home/) - As an Eglin AFB area agent who specializes in HAP listings, I frequently receive contracts from agents who are not familiar with the HAP program. Since our Emerald Coast area is home to Air Force, Navy, Army and Marines at Eglin AFB, Hurlburt Field, Duke Field, Whiting Field and Camp Rudder, you will find several listings that
- [Casual Lookers Won't Succeed in Buying a House](https://www.itswendy.com/casual-lookers-wont-succeed-in-buying-a-house/) - I turned away two Destin real estate buyers this week. Not intentionally. But I told them the truth. Each was an out-of-state purchaser looking to get a "deal". One wanted to expand his rental holdings and another wanted to buy a tear down. I told them they would not get a deal. There are no
- [Want That House? Your Agent Needs to Ask These Questions First](https://www.itswendy.com/want-that-house-your-agent-needs-to-ask-these-questions-first/) - One common mistake in writing an offer in this competitive market, or any real estate market, is that your agent does not speak with the listing agent first. Much valuable information can be garnered to help you and your agent to write a better offer (i.e. WIN the contract), by asking these questions, versus blindly
- [Regatta Bay, Destin Florida Home Listings - Property Values October 2012](https://www.itswendy.com/regatta-bay-destin-florida-home-listings-property-values-october/) - Regatta Bay, the gated community in Destin Florida, has currently has 19 homes listed for sale. There are three homes under contract per the Emerald Coast Association of Realtors multiple listing service (MLS). Two Regatta Bay listings sold in October 2012. Prices range from $449,000 to almost $3 million. The average days on the market for Regatta Bay sold listings for the
- [Do You Have Time To Waste? Then Send In Low Short Sale Offer!](https://www.itswendy.com/do-you-have-time-to-waste-then-send-in-low-short-sale-offer/) - Do you think you’re sneaky? Sending in a purposefully low offer to the short sale lender? You just want to find out "what” price they want so you can get a "real” offer later, right? Most short sale lenders don’t authorize a list price in advance. This presents a quandary to the short sale listing
- [I’ll Take That Destin Short Sale for 20% Off!](https://www.itswendy.com/ill-take-that-destin-short-sale-for-20-off/) - $70,000 below asking price? 20% off? Those must be the magic numbers, because they are the types of offers I have been getting on some of my Destin Florida short sale listings. For example and illustration, I have a Destin short home listed in at $420,000. The two most recent comparable sales were $430,000 and
- [Should I Still Buy a Home in Rosemary Beach Florida As Oil Impact Looms?](https://www.itswendy.com/should-i-still-buy-a-home-in-rosemary-beach-florida-as-oil-impact-looms/) - Yesterday I received this email from a potential Rosemary Beach, Florida real estate buyer. Dear Wendy Rulnick: We found you on the web. We were set on looking for a home between Rosemary Beach and Grayton Beach south of 30A. Our question is, how do you feel the long term impact of the oil spill will
- [How To Buy An Eglin AFB or Hurlburt Field HAP Home](https://www.itswendy.com/how-to-buy-an-eglin-afb-or-hurlburt-field-hap-home/) - If you are buying a home around Eglin Air Force Base or Hurlburt Field, you may want to know about HAP properties. HAP stands for Homeowner Assistance Program, and it is designed to help military service members sell homes with upside-down mortgages. For example, if you are looking at a Crestview Florida home where the military
- [Eglin AFB HAP PCS Ends September 30 - ACT NOW](https://www.itswendy.com/eglin-afb-hap-pcs-ends-september-act-now/) - If you were stationed at Eglin Air Force Base, Hurlburt Field or Duke Field, were PCSd and need to sell, your HAP option is about over. You must act NOW if you think you qualify for the program, to avoid VA Compromise Sale, short sale or foreclosure, or to recoup funds if you don't have a mortgage. The programs ends on
- [Bank of America Clarifies Short Sale MLS Policy](https://www.itswendy.com/bank-of-america-clarifies-short-sale-mls-policy/) - Bank of America has issued a clarification bulletin to their previous email which stated all short sale listings must stay "Active" in the MLS until they are approved. Is this enough? Although they state the listing broker and the seller control the marketing, they are still implying listings that state "cash offer" only may not be
- [Amalfi Coast Condo, Miramar Beach FL - Short Sale On Way to Sold](https://www.itswendy.com/amalfi-coast-condo-miramar-beach-fl-short-sale-on-way-sold/) - Amalfi Coast Condo unit B114 in Miramar Beach Florida is now under contract. The Bank of America short sale unit received an offer within 60 days of listing. The 1360 square foot, two bedroom unit has bright colors, an open floor plan, and is furnished. Right across the street from the beach, the Amalfi Coast condo
- [Emerald Grande Condos for Sale, Destin Florida](https://www.itswendy.com/emerald-grande-condos-for-sale-destin-florida/) - Are you looking for the premier waterfront condo in Destin Florida? It’s got to be Emerald Grande. You cannot miss it when you are driving over the Destin Bridge, with its stunning jewel-like presence over Destin harbor. Emerald Grande offers opulent condos with views of the Gulf, Choctawhatchee Bay, East Pass and the harbor. Find
- [602 Affirmed, Steeplechase, Crestview FL - HAP Private Sale SOLD!](https://www.itswendy.com/affirmed-steeplechase-crestview-fl-hap-private-sale/) - UPDATE: This home was SOLD in 2012. If you have questions about Steeple Chase or the former HAP program or its alternatives, such as VA Compromise Sale, contact Wendy Rulnick Broker, 850-650-7883. Stylish Steeplechase home in Crestview Florida, offered as a HAP private sale. 602 Affirmed Court has red shutters, dormer, side entry garage and
- [Regatta Bay, Destin Florida Homes Listed - Sold - November 2012](https://www.itswendy.com/regatta-bay-destin-florida-homes-listed-sold-november/) - Regatta Bay, Destin Florida home sales and inventory has remained fairly stable so far in 2012. In November, two homes sold in Regatta Bay, and there are 18 homes for sale. The months with the highest number of sales were June and September, where four homes sold each period. Regatta Bay Destin houses that sold in November closed at
- [Should We Sell or Buy First? - A Realtor's Story - Part 2 in a series](https://www.itswendy.com/should-sell-or-buy-first-realtors-story-part-series/) - Second in a Five Part Series. Previous story: Deciding to Move - A Realtor's Story Having made the decision to leave our Destin Florida home, I had another decision to make with my husband. "Should we list and sell our Destin home before buying or building another one, or should we find something we really wanted first,
- [Selling Our Destin Florida Home – A Realtor’s Story– Part 5 Conclusion](https://www.itswendy.com/selling-destin-florida-home-realtors-story-part-conclusion/) - Deciding to Move - A Realtor's Story- Part 1 Should We Sell or Buy First - A Realtor's Story - Part 2 The Search for a New Home - A Realtor's Story - Part 3 Writing the Offer – A Realtor’s Story – Part 4 This is the last of a five part series. As a
- [Bank of America Coop Sales - Are They Really Pre-Approved?](https://www.itswendy.com/bank-of-america-coop-sales-they-really-preapproved/) - I am always leery of any so-called “pre approved” short sales. The word on the street is there are only three kinds of short sales you can trust as pre-approved: HAFA, Bank of America Cooperative Short Sale and FHA HUD Pre-foreclosure Sale. In these cases, the list prices can be pre-approved, as can the sellers’
- [How Tech-Savvy Destin Real Estate Agent Can Help Your Home Sale](https://www.itswendy.com/how-tech-savvy-destin-real-estate-agent-can-help-your-real-sale/) - Today I had the pleasure of letting a buyer know that his contract had been accepted on a waterfront lot near Destin Florida. This sale was accomplished with the tools of technology and the speed of a tech-savvy real estate agent. Who? Me. OK, here is the story.... A woman called me about two months ago
- [Real Estate Market Changes - Okaloosa and Walton Counties, Florida - May 2022](https://www.itswendy.com/real-estate-market-changes-okaloosa-and-walton-counties-florida-may-2022/) - Crestview - Fort Walton Beach - Destin MSA May 2022 Closed Sales 800. -15% from a year ago. Median Sale Price. $443,500. +11% from a year ago. Active Inventory. 1,324. +47% from a year ago. Dollar Volume. $665 Million. -7.9% from a year ago. New Listings. 1,096. -0.2% from a year ago. New Pending Sales.
- [Lot 5A, Walton Way, Miramar Beach, FL 32550 - One Acre Bay Front Lot](https://www.itswendy.com/lot-5a-walton-way-miramar-beach-fl-32550-one-acre-bay-front-lot/) - One Acre - Lot 5A, Walton Way, Bay Front, Miramar Beach, Florida 32550 is newly offered for sale for $970,000. A lot of magnitude in South Walton County, Florida, near Destin, Florida. This waterfront acre has 100′ of frontage on Choctawhatchee Bay and offers distant views, visions of passing boats, jumping fish, and the pleasures
- [3 Acre Waterfront Lot -Sunset Point Rd. Vernon - Point Washington Area, Walton County Florida](https://www.itswendy.com/3-acre-waterfront-lot-vernon-point-washington-area-walton-county-florida/) - 3.8 Acre Waterfront Lot (#19, 20, 21) Sunset Point Rd. Vernon, Florida, Walton County now available for purchase. For the daring water seeker, the maverick dreamer wanting solitude. This approximately three acre waterfront lot is in the little known region of the Emerald Coast of Florida in Walton County opposite Point Washington, known as Sunset
- [Florida Real Estate Contract – Important Appraisal Deadline Change](https://www.itswendy.com/florida-real-estate-contract-important-appraisal-deadline-change/) - The Florida Realtors/Florida BAR contract for sale and purchase of real estate will change effective November 1. Important updates to the financing clause addressing appraisals may affect you. Now, the mortgage approval deadline will also include the receipt of a satisfactory appraisal. The previous version of the contract did not have an appraisal deadline. BACKGROUND:
- [SOLD! Two Condos - Palm Court Yacht Club, Okaloosa Island, Fort Walton Beach, FL 32548](https://www.itswendy.com/sold-two-condos-palm-court-yacht-club-okaloosa-island-fort-walton-beach-fl-32548/) - Just sold! Two condos in Palm Court Yacht Club - Unit 208 and another unit (to be named upon closing) on the penthouse level at 321 Bream Ave, Okaloosa Island, in Fort Walton Beach, Florida! Palm Court Yacht Club is a little known waterfront condo complex on Okaloosa Island. To get there, you must drive
- [83 Earl Rd. - Acre Lot - Waterfront - Lake Powell Coastal Dune Lake, Inlet Beach FL 32461](https://www.itswendy.com/83-earl-rd-acre-lot-waterfront-lake-powell-coastal-dune-lake-inlet-beach-fl-32461/) - Just Listed - Lot 17, 83 Earl Rd., Inlet Beach, Florida 32461 To find a lot of this magnitude in South Walton, less than a mile from the Gulf of Mexico, located directly on Lake Powell, at almost an full acre - is unheard of. Offered now for sale for those seeking privacy, yet moments
- [SOLD! Lot 8 Euvino Way, Church Street Landing, Santa Rosa Beach, Florida 32459](https://www.itswendy.com/sold-lot-8-euvino-way-church-street-landing-santa-rosa-beach-florida-32459/) - SOLD! A new home on Lot 8 Euvino Way, Church Street Landing, Santa Rosa Beach, Florida 32459. This is a new construction home that will be built similar to the photo. My buyers were impressed with the quality offered by Martelle Builders when they previewed this home in the Ivy subdivision, Inlet Beach, Florida. The
- [JUST SOLD – 167 Starlight Ln., West Hewett Rd., Santa Rosa Beach FL 32459](https://www.itswendy.com/just-sold-167-starlight-ln-west-hewett-rd-santa-rosa-beach-fl-32459/) - JUST SOLD – 167 Starlight Ln., West Hewett Rd., Santa Rosa Beach FL 32459 Case Study: The home at 167 Starlight Ln. was in excellent condition. Features included trendy décor, bamboo floors, upscale light fixtures, and substantial outdoor living areas. The Florida room was 30 x 15, with wood ceilings, screens, shades, ceiling fans and
- [New Construction Escalation Clause, Explained – Destin, FL](https://www.itswendy.com/new-construction-escalation-clause-explained-destin-fl/) - Having recently sold a new construction home in Destin, Florida, I was not surprised to review the builder contract and find an “Escalation Clause for Specified Building Materials”. My buyer client had not read the contract carefully, and as we sat with the builder to finalize the sale, I brought it up. What is this
- [Scouting out Palm Court Yacht Club Condos, Okaloosa Island, Fort Walton Beach, Florida 32548](https://www.itswendy.com/scouting-out-palm-court-yacht-club-condos-okaloosa-island-fort-walton-beach-florida-32548/) - Sometimes it’s good to pre-scout what properties you are showing buyers in Fort Walton Beach, Florida. I recently sold a Palm Court Yacht Club condo on Okaloosa Island, but I hadn’t seen it yet. The buyers, long time clients of mine, knew of the building and when a tempting listing came on the market, they
- [Finding the Right Property Takes Detective Work - Destin, Florida](https://www.itswendy.com/finding-the-right-property-takes-detective-work-destin-florida/) - I always said that in another life I would be a detective. Well, sometimes being a real estate agent is like being a detective. To help different types of buyers in Destin, Florida requires varying degrees of investigative work. Here are some examples of recent "cases". Cold Case - Buyer #1 He lives out of
- [“You’ve Been Cancelled!” The Dreaded Florida Homeowners Insurance Letter](https://www.itswendy.com/youve-been-cancelled-the-dreaded-florida-homeowners-insurance-letter/) - I recently wrote about our homeowners insurance doubling on one of our Destin Florida area houses. When I opened my mail the other day, I got another insurance cancellation notice! I said “Oh no, this cannot be happening again!” The insurance company for our primary residence, Gulfstream Property & Casualty Insurance, just went out of
- [A Simple Question to Start a Phone Call](https://www.itswendy.com/a-simple-question-to-start-a-phone-call/) - The other day, a busy start of a real estate morning, I was trying to leave the house. You know those days when you cannot seem to get out of your pajamas, being caught up in emails, internet updates, and text messages from agents and clients? (Confess, you know what I am talking about). Well,
- ["Parlo Italiano" - I Speak Italian! - Destin, Florida](https://www.itswendy.com/parlo-italiano-i-speak-italian-destin-florida/) - So, I've been studying Italian for ten years. It's more than a hobby, it's a passion. As part of my excitement for the Italian language, I have a tag line after my Realtor email signature that says "Parlo italiano" which means "I speak Italian". This is for the off-off-chance that an Italian speaking person (or
- [167 Starlight Ln., Santa Rosa Beach Florida Near 30A - For Sale](https://www.itswendy.com/167-starlight-ln-santa-rosa-beach-florida-near-30a-for-sale/) - Just Listed - 167 Starlight Ln., Santa Rosa Beach, Florida 32459 Plush, exquisite simplicity. This elegant manufactured home has bamboo floors, vaulted ceilings, enchanting lighting, and stylish design throughout. An angled breakfast bar overlooks the living room. The fireplace has a new surround that picks up the muted greys of the kitchen. There is a
- [It Makes Me Not Want to Move!](https://www.itswendy.com/it-makes-me-not-want-to-move/) - I was on a listing appointment the other day at a very nice house off 30-A in Santa Rosa Beach, FL. It was lived in, but the finishes still looked good. I went through the house with the seller to advise him of things he could do to get the house ready for the
- [Mind Tricks for Living in a Tourist Town - Destin, FL](https://www.itswendy.com/mind-tricks-for-living-in-a-tourist-town-destin-fl/) - They are everywhere! The roads, the beaches, the stores! Tourists! Living and working in Destin, Florida brings its challenges. Locals gather at the workplace lamenting about traffic on Highway 98, Scenic Gulf Drive and 30A, and how much more the roads can bear. Vacationers seem to have found a permanent home in our environs on
- [Is That Listing "Coming Soon"? Explained - Destin, Florida](https://www.itswendy.com/is-that-listing-coming-soon-explained-destin-florida/) - You see them advertised everywhere in the Destin Florida real estate market-- "Coming Soon! New Listing!" But, what does that mean, exactly? The Emerald Coast Association of Realtors is guided by rules regarding entering listings into the Multiple Listing Service (MLS). "Coming Soon" is a special category for listings that are not quite ready to be
- [The Dogs Bark; The Caravan Passes](https://www.itswendy.com/the-dogs-bark-the-caravan-passes/) - So, I have a Zen page-a-day calendar that I am trying this year. It gives me something to ponder and maybe a way to grow. Some of the Zen quotes are long, and I am too impatient to study them. Sometimes I cheat and look ahead. And some quotes stick with me. Those are the
- [Fast Chicken and Broccoli Stir Fry - Get the Recipe](https://www.itswendy.com/fast-chicken-and-broccoli-stir-fry-get-the-recipe/) - Being a Food Network addict, I got excited watching the "Kitchen" where celebrity chef Jet Tila was demonstrating his easy stir-fry recipe. It looked incredible, so I gave it a try, and also bought his book "101 Asian Dishes You Need to Cook Before You Die". Now, we end up making a couple of meals
- [Yikes! Our Florida Homeowners Insurance Just Doubled!](https://www.itswendy.com/yikes-our-florida-homeowners-insurance-just-doubled/) - First, we received a homeowners insurance cancellation notice for our Niceville Florida investment property. Their mobile inspection had shown that there was some wood rot on the side of the house. Although common in Florida, they said if it was not fixed within 30 days, they were going to cancel the policy. Scramble. My husband
- [This is How We Are Supposed to Work - Together](https://www.itswendy.com/this-is-how-we-are-supposed-to-work-together/) - I met a fellow real estate agent the other day in Destin, Florida. "Joe" was the listing agent for a waterfront condo in the same building where I had a listing. I contacted him to get information about his offering, as I wanted to keep on top of the market. Joe said he would meet
- [Blackened Grouper from Destin, Florida - Get The Recipe!](https://www.itswendy.com/blackened-grouper-get-the-recipe/) - I've been learning to cook for 18 years. Ever since I gave my husband, new boyfriend at the time, the years-frozen shrimp appetizer. After he bit into it, the look on his face was frozen. I had some learning to do. Fast forward 18 years. I am still learning to cook, but sometimes my dishes
- [A Connection](https://www.itswendy.com/a-connection/) - I was shopping in the greeting card aisle of the Destin Walgreens the other day. It was mid-day, and I was in my work hurry, looking for a Father's Day card. There was a motorized cart in the middle of the aisle, left strangely abandoned. There was also an older woman with a regular shopping
- [Florida's Real Estate Contracts Invite Nitpicky Repair Lists](https://www.itswendy.com/floridas-real-estate-contracts-invite-nitpicky-repair-lists/) - Glass shower door rubs frame. Recommend repair. Sliding door needs adjustment. Cracked outlet cover in living room. Recommend licensed electrician repair. Sink drain assembly is loose. No leaks observed. Recommend review and repair by licensed plumber. Suspect MICROBIO GROWTH! Observed at air conditioner registers!! Need microbio hazard specialist to inspect and eradicate! (This was accompanied
- [Where Can You Get a Mortgage for an Emerald Grande Condo in Destin, Florida?](https://www.itswendy.com/where-can-you-get-a-mortgage-for-an-emerald-grande-condo-in-destin-florida/) - If you are looking for a mortgage to buy an Emerald Grande condo in Destin Florida, you may have a bit of difficulty. You cannot go to any lender and get a loan for a unit in the Emerald Grande condominium complex. Mortgage lenders who are not restricted to selling their loans to Fannie Mae
- [30A -Grande Pointe, Santa Rosa Beach Short Sale Approved - Inlet Beach, Florida](https://www.itswendy.com/30a-grande-pointe-santa-rosa-beach-short-sale-approved-inlet-beach-florida/) - Grande Pointe Lot 83, short sale, in Inlet Beach, off 30-A in Santa Rosa Beach, Florida, just sold for $90,000. This was a Regions Bank short sale. WHAT? A short sale in today's market? It doesn't happen often, but there are still some cases along the Emerald Coast of Florida where prices have not caught
- [Charming or Dull? How You Work With Other Agents Makes a Difference](https://www.itswendy.com/work-with-other-real-estate-agents-destin/) - Pleasant or not. Giving or condescending. Friendly or dull. It's a lot easier working with another real estate agent who does not act like a computer or a director. I've recently experienced both, as the listing agent and the buyer's agent. Charm school they did not attend. Realtors primarily communicate on the phone. Voices convey
- [Let the Showings Begin! – What to Expect After You List Your House](https://www.itswendy.com/let-the-showings-begin-what-to-expect-after-you-list-your-house/) - You’ve signed the listing agreement. You’ve filled out your property disclosure. The photographer has taken photos and your pictures are ready. All the details of your home have been researched, a fantastic description has been written, and your Multiple Listing Service entry is ready to go live. What’s next? Your house will sell within days,
- [Random Sample of the Emerald Coast Real Estate Market](https://www.itswendy.com/random-sample-of-the-emerald-coast-real-estate-market/) - Even though I've been selling real estate for (gulp) thirty years, I'm in daily awe of this market. Prices are going up, inventory is low, and homes are selling fast. There are plenty of statistics to prove it, but I take a random sample of the marketplace daily. I regularly review sold listings to gauge
- [1415 Baytowne Ci. E., Sandestin, Miramar Beach, Florida 32550](https://www.itswendy.com/1415-baytowne-ci-e-sandestin-miramar-beach-florida-32550/) - Just LISTED and SOLD in ONE DAY - 1415 Baytowne Ci. E., Miramar Beach, Baytowne Avenue East, Raven Oaks, Sandestin, Florida 32550 Voluminous spaces are punctuated by beautiful design elements in this stately Sandestin home in Miramar Beach, Florida. This 2935 square foot residence has three bedrooms and three full bathrooms. Built in 2003, it
- [4026 Willis Way, Milton Florida - Extraordinary 4 Bedroom Home near NAS Whiting Field](https://www.itswendy.com/4026-willis-way-milton-florida-extraordinary-4-bedroom-home-near-nas-whiting-field/) - New listing at 4026 Willis Way, Milton Florida 32583 near NAS Whiting Field Exceptional home near Naval Air Station Whiting Field, ready for immediate occupancy. You'll be wowed by the meticulous care! The hard wood floors gleam! This Southwoods home on half-acre lot has remarkable updates and a thoughtful multi-use floorplan. Note the custom cabinetry
- [Get Judgments Resolved at Beginning of Short Sale Process and Other Advice - Destin FL](https://www.itswendy.com/get-judgments-resolved-at-beginning-of-short-sale-process-and-other-advice-destin-fl/) - Short sales are fewer than they used to be, but they are still around on the Emerald Coast of Florida. I recently inquired about a short sale listing in Destin, Florida that was represented by another real estate agent. Without going into the agent specific idiosyncrasies, this seller deserved better handling of his short sale
- [763 Sailfish Dr., Okaloosa Island, Fort Walton Beach, Florida 32548 - Just Sold](https://www.itswendy.com/763-sailfish-dr-okaloosa-island-fort-walton-beach-florida-32548-just-sold/) - We just sold another house on Okaloosa Island! 763 Sailfish Dr., Okaloosa Island, Fort Walton Beach, Florida 32548 just sold! This delightful, remodeled home had two quick offers and went under contract the day after listing! And why not? Extensively updated, this classic beach house had all the important upgrades done. There was a new kitchen
- [602 Pelican Dr., Okaloosa Island, Fort Walton Beach, FL - Sold in 3 Days!](https://www.itswendy.com/602-pelican-dr-okaloosa-island-fort-walton-beach-fl-sold-in-3-days/) - 602 Pelican Dr., Okaloosa Island, Fort Walton Beach, Florida just sold! This attractive Mid-Century Modern home was on a quarter-acre lot that backs up to the the dedicated path to Santa Rosa Sound and intracoastal waters, and across from the Gulf of Mexico beach access. A popular neighborhood, Okaloosa Island is well-known by locals. It
- [Market Update - Emerald Coast of Florida - Summer... It's Hot!](https://www.itswendy.com/pending-real-estate-sales-continue-to-increase-on-the-emerald-coast-of-florida-summer-2020-update/) - Real estate pending sales on the Emerald Coast of Florida in August 2020 are going full throttle compared to last year and early April this year. Looking at the entire region, including Destin, Niceville, Santa Rosa Beach, 30-A, Miramar Beach, Fort Walton Beach, Navarre and Crestview, there were 20% more units under contract in the three
- [Executive Office for Lease - Miramar Plaza, Miramar Beach, Florida 32550](https://www.itswendy.com/executive-office-for-lease-miramar-plaza-miramar-beach-florida-32550/) - Executive office for lease in Miramar Plaza at 12889 Emerald Coast Parkway, Ste. 107A, U.S. Highway 98 East, Miramar Beach, Florida 32550.Approximately 150 square feet, this work space is elegant with ample privacy, a large hall window and glass door with shades. There are only three private offices on first floor and three on second
- [Free Home Selling E-Books for Emerald Coast of Florida Residents](https://www.itswendy.com/free-home-selling-e-books-for-emerald-coast-of-florida-residents/) - Getting ready to sell your Emerald Coast of Florida property? Get your free copy of my "Preparing Your House for Sale" booklet. My advice ranges from light bulb moments (literally) to clutter and major remodeling projects (those may need a personal look). I can email you or mail you the hard copy magazine. Thinking of
- [Crestview VA Compromise Short Sale Approved - 769 E Chestnut Ave.](https://www.itswendy.com/crestview-va-compromise-short-sale-approved-769-e-chestnut-ave/) - This VA Compromise short sale was recently approved in Crestview, Florida. If you are a veteran or active duty military stationed at Hurlburt Field, or Eglin Air Force Base, you may very well have a Veterans Association home mortgage loan. If you are unable to make your mortgage payments and your home value is less
- [Emerald Coast of Florida Real Estate Makes Booming Rebound](https://www.itswendy.com/emerald-coast-of-florida-real-estate-makes-booming-rebound-june-2020/) - Real estate sales on the Emerald Coast of Florida have overcome the COVID effect downturn of March and April 2020, and far exceeded the year over year sales figures compared to 2019. The chart above illustrates the trend of pending sales each month for the areas of Santa Rosa Beach, 30A, Destin, Sandestin, Miramar Beach,
- [Emerald Coast of Florida Real Estate Market - Pending Sales Increase](https://www.itswendy.com/emerald-coast-of-florida-real-estate-market-pending-sales-increase/) - Real estate pending sales on the Emerald Coast of Florida in May are returning to the start of March levels, after an early April plummet. Looking at the entire region, including Navarre, Fort Walton Beach, Destin, Santa Rosa Beach, 30-A, Miramar Beach, Freeport, Crestview, Niceville, Freeport and DeFuniak Springs, pending sales of real estate were
- [Growling Dogs, Mops, and Calm, Assertive Energy](https://www.itswendy.com/growling-dogs-mops-and-calm-assertive-energy/) - The dogs were growling behind the chain link fence, pulling right up to the wire, low and threatening. They were gathered together, two or three of them, their heads perched over the top, staring at me. I don’t know what kind of dogs they were, mostly black with light brown splotches, and large. I
- [How a little bird told me to change my perspective](https://www.itswendy.com/how-a-little-bird-told-me-to-change-my-perspective/) - Day after day, year after year, I have been sitting at my computer, lost in a world of google searches, websites, email checking and other automatic behaviors. Caught in the minutia of the daily routine. Doing the same thing every day. As if by rote, life passing by. After the pandemic hit, things changed. Like,
- [Emerald Coast Florida Pending Sales Down, But Signs of Market Improvement](https://www.itswendy.com/emerald-coast-florida-pending-sales-down-but-signs-of-market-improvement/) - Real estate sales on the Emerald Coast of Florida are starting to rebound after an early April 2020 decrease. Looking at the entire region, including Navarre, Fort Walton Beach, Destin, Santa Rosa Beach, Miramar Beach, Freeport, Crestview, Niceville, and DeFuniak Springs, pending sales of real estate on the Emerald Coast of Florida are down
- [The Spark of Trust - More Important Than a Real Estate Sale](https://www.itswendy.com/the-spark-of-trust-more-important-than-a-real-estate-sale/) - I was referred to a potential home buyer in Destin, Florida. He was in the construction business and had just been working in our area for a few months, coming here from another state. I could tell that English was his second language, and I listened carefully. He told me that he had never bought
- [Wells Fargo Mortgage Help - Forbearance With End of Loan Payment Deferral](https://www.itswendy.com/wells-fargo-mortgage-help-forbearance-with-end-of-loan-payment-deferral/) - Some mortgage forbearance stories have a good ending. Wells Fargo, for example, is quick to respond and help borrowers who have trouble paying their mortgage due to Covid-19. In fact, they have one of the most comprehensive websites explaining the types of mortgage assistance they offer. Upon request, they will suspend your mortgage payments for
- [Don't Let Your VA Mortgage Lender Scare You About Lump Sum Payment](https://www.itswendy.com/dont-let-your-va-mortgage-lender-scare-you-about-lump-sum/) - You lost your job. You are a Veteran. You cannot make your mortgage payments. You called your lender and their steely "debt collector" tone and threatening letter would scare anyone. If you experienced loss of income on the Emerald Coast of Florida due to the COVID-19 crisis, the Veteran's Administration has issued clarifications about how
- [Navigating The Personal Responsibility of Social Distancing](https://www.itswendy.com/personal-responsibility-of-social-distancing/) - For the first few weeks of the Florida Stay-at-Home order, I paid a lot attention to others' social distancing behavior. After all, I was doing the right thing. My husband and I decided we would be prudent. We limit our time out of the house. We wear masks if we have to go to the
- [Florida Real Estate Form Asks for COVID-19 Precautions](https://www.itswendy.com/florida-real-estate-covid-precautions/) - There is a new Florida real estate form pertaining to the COVID-19 crisis. It is an acknowledgment that asks for affirmation from prospect, buyer, seller, tenant, and landlord that they are aware of the Coronavirus risks that may arise from in-person real estate showings. Specifically, the document asks them to minimize health risks to themselves
- [Emerald Coast Pending Sales Down Since COVID-19](https://www.itswendy.com/emerald-coast-of-florida-real-estate-pending-sales-since-covid-19-crisis/) - Real estate sales on the Emerald Coast of Florida have decreased since the COVID-19 crisis began. Looking at the entire region, including Navarre, Fort Walton Beach, Destin, Santa Rosa Beach, Miramar Beach, Freeport, Niceville, Point Washington and DeFuniak Springs, pending sales of real estate have decreased from 790 units to 446 total units from the
- [Time for Cleaning Out](https://www.itswendy.com/time-for-cleaning-out/) - I am a little behind the times, given that a lot of people have been cleaning and organizing since the inception of the Florida Stay-at-Home order. After three weeks, it finally got to me. It has been a time of accounting and personal reflection, and it manifested in ordering and upgrading. What do we really
- [Predictions for the Destin - Emerald Coast of Florida Housing Market - April 2020](https://www.itswendy.com/real-estate-predictions-destin-emerald-coast-coronavirus/) - What are the predictions for the Destin, Emerald Coast of Florida real estate market? How is the COVID-19 crisis going to affect home sales in the coming months? This I was asked by one of my good clients. Here is what I told him. February and March home sales were strong, and better than a
- [Bank of America Offers Mortgage Forbearance - Not Deferral](https://www.itswendy.com/bank-of-america-offers-mortgage-forbearance-not-deferral/) - If Bank of America is your mortgage servicer and your ability to make your Destin, Florida mortgage payments has been affected by the COVID-19 crisis, be careful asking them for assistance. Bank of America, one of the biggest U.S. mortgage servicers, recently changed their home borrower website to reflect choices of either mortgage forbearance or
- [Modern Confessions of a Real Estate Broker - Destin, FL](https://www.itswendy.com/social-distance-destin-niceville-real-estate/) - The signs above are posted at my Destin, Florida real estate office. "No Admittance if You Are Sick" and "Maintain Social Distance" (with a lovely picture of an alligator to indicate how far). Am I paranoid? Maybe. But I don't think so. Even though Florida real estate is a deemed an essential service, I usually
- [How I Made Homemade Hand Sanitizer - And You Can, Too](https://www.itswendy.com/how-i-made-home-made-hand-sanitizer/) - I made home-made hand sanitizer. I am not crafty. I am not a geek. I am not mechanical. But I did it! Unable to find hand sanitizer in stores after multiple attempts and seeing exorbitant prices online, I gave up. Over the last few years, hand sanitizer was a popular gift from mortgage lenders trying
- [Foreclosures Postponed in Florida for 45 Days - Destin FL](https://www.itswendy.com/foreclosures-postponed-in-florida-for-45-days-destin-fl/) - If you are having trouble paying your mortgage and are facing foreclosure in the Destin, Niceville and Fort Walton Beach areas, relief is available. There is now a moratorium on Florida foreclosures from April 2 through May 17, 2020, per order of Governor Ron DeSantis. Executive order 20-94 states that the COVID-19 emergency has impacted
- [Florida Real Estate Services - Essential - But Should You Sell?](https://www.itswendy.com/florida-real-estate-services-essential-but-should-you-sell/) - Florida's "Stay-At-Home" order to reduce the spread of COVID-19, limits many Destin, Niceville and Emerald Coast business activities, but allows real estate sales to continue. Governor Ron DeSantis' state-wide mandate requires Florida residents to restrict their "movements and personal interactions outside of their home to only those necessary to obtain or provide essential services or
- [New Florida COVID-19 Real Estate Addendum - Destin FL](https://www.itswendy.com/coronavirus-addendum-to-contract-florida-realtors-destin-fl/) - How could the COVID-19 coronavirus pandemic affect real estate transactions in Florida? Could there be delays in closing and inspections? Possibly. Therefore, Florida Realtors created a new contract addendum which can extend specific deadlines of the transaction. The COVID-19 addendum says: “The Coronavirus (COVID-19) pandemic may cause unprecedented impacts to real estate transactions, including
- [Economists Discuss Covid-19 and the Housing Market - Destin FL](https://www.itswendy.com/economists-discuss-covid-19-and-the-housing-market-destin-fl/) - Three Reasons Why This Is Not a Housing Crisis In times of uncertainty, one of the best things we can do to ease our fears is to educate ourselves with research, facts, and data. Digging into past experiences by reviewing historical trends and understanding the peaks and valleys of what’s come before us is one
- [Mid-Bay Musings](https://www.itswendy.com/mid-bay-musings/) - It dawned on me today driving across the Mid-Bay Bridge that I end up in a reverie each time I cross it. During my morning or evening commute from Bluewater Bay to Destin, I go through a similar mental routine. First, my eyes gaze at the water of Choctawhatchee Bay. Is it dark and grey,
- [Real Housewives' Decor Tips - Just for Fun](https://www.itswendy.com/real-housewives-decor-tips-just-for-fun/) - 
- [What Is Your Real Estate Agent Doing Behind the Scenes?  Destin, Florida](https://www.itswendy.com/what-is-your-real-estate-agent-doing-behind-the-scenes-destin-florida/)
- [Top Home Decor Trends for 2020 - and they are simple](https://www.itswendy.com/top-home-decor-trends-for-2020-and-they-are-simple/) - It’s officially February 2020. And with the new year comes a host of new design trends that will define the look and feel of interiors in 2020 (and beyond). But what, exactly, are those design trends? A recent article from Forbes.com spoke to design experts to get their insights on the interior design trends they predict will
- [Predictions for 2020 and 2021 Real Estate Markets - Freddie Mac](https://www.itswendy.com/predictions-for-2020-and-2021-real-estate-markets-freddie-mac/) - Since we are still in the early stages of the Emerald Coast of Florida real estate market in 2020, what predictions do we have from Freddie Mac for the coming year? How will interest rates track, and will home sales still grow along with prices for the Destin, Niceville, 30A and overall markets? In a recent
- [When Is the Best Time to Sell Your Destin Florida Home?](https://www.itswendy.com/when-is-the-best-time-to-sell-your-destin-florida-home/) - When it comes to selling your Destin, Niceville or 30A area home, you want to make sure you list and sell at the right time. But the “right time” can vary from person to person. What might be the perfect time for your neighbor or friend to sell might be too early—or too late—for you.
- [Remodeling Your Home for Your Cats - Would You?](https://www.itswendy.com/remodeling-your-home-for-your-cats-would-you/) - How far would you go to remodel your Niceville or Destin Florida home for your cats? Many house cats would love to run outside with unrestricted freedom, but it is usually a dangerous place for a cat. For example, in my Southwind, Bluewater Bay neighborhood, there are known be coyotes, and I have seen bobcats
- [January Home Buying Season in Destin Florida](https://www.itswendy.com/january-home-buying-season-in-destin-florida/) - The temperatures may be dropping outside— (especially at 30 degrees today in Destin Florida!) - but for house hunters, things are just about to start heating up. A recent analysis from realtor.com found that while most people believe spring to be the hottest season for home buyers, house hunters are starting their search earlier in the
- [Do You Resolve to Spiff Up Your Destin Home in 2020?](https://www.itswendy.com/do-you-resolve-to-spiff-up-your-destin-home-in-2020/) - Whether you enjoy making New Year’s resolutions or scoff at the idea, there’s something inherently motivating about seeing a fresh page on the calendar. If you don’t want to join the masses who hit the gym or vow to go on a digital diet, you may want to resolve to set some goals on behalf
- [Emerald Grande 4 Bedroom Condo, Destin Harbor, Destin FL 32541](https://www.itswendy.com/emerald-grande-4-bedroom-condo-destin-harbor-destin-fl-32541/) - Emerald Grande condo unit W226 is for sale in this iconic Destin Florida condominium project. It lives like a home with four large bedrooms, four full bathrooms and eye-drawing balcony views of magnificent Destin waterways. Emerald Grande? See it from the distance as you are driving or flying into town with its architectural uniqueness. It’s
- [My Latest Review from Lovely Seller Clients - Santa Rosa Beach Florida](https://www.itswendy.com/my-latest-review-from-lovely-seller-clients-santa-rosa-beach-florida/) - "Wendy Rulnick was a real pleasure to work with. When we would send her a text msg we would barely finish sending it when she was already answering. She took our listing and advertised our house on several venues. Places that I didn't even know about. We ended up getting a full price cash offer
- [Customer Service - How Important is the Telephone?](https://www.itswendy.com/customer-service-how-important-is-the-telephone-when-phone-call-requested/) - We all know that it's best to return a text with a text, a phone call with a call, and an email with an email. Whichever is your customer's preferred method of communication is the guide. However, when a request is made for the "dreaded" phone call, to what extent will a business go to
- [Turn Over a Sale? Do the Right Thing in Real Estate (and in Life!)](https://www.itswendy.com/turn-over-a-sale-do-the-right-thing-in-real-estate-and-in-life/) - A few days ago I got a phone call from an old client. He asked me to research a property for sale for him and the adjoining parcel, checking the zoning and sales history. I did some preliminary investigation and discussed my findings, when he told me he actually had written an offer on this
- [4 Bedroom Pool Home in Raintree Estates, 1250 Shipley Dr., Niceville FL](https://www.itswendy.com/grand-home-in-raintree-estates-1250-shipley-dr-niceville-fl/) - 1250 Shipley Drive, a pool home in Raintree Estates, Niceville, Florida is now offered for sale. Finally, the stunning home on a large corner lot that everyone notices driving by is on the market. Grand spaces offer living options for large families and flowing parties in this elegant Raintree Estates home. Over 3400 square feet,
- [Current Most Overused Real Estate Ad Terms on the Emerald Coast](https://www.itswendy.com/current-most-overused-real-estate-ad-words-on-the-emerald-coast/) - Did you know that Realtors often advertise their listings to each other? Here on the Emerald Coast of Florida, the most overused and trendy terms for agent-to-agent advertising are: Price improvement (as opposed to price reduction) Easy Show (this term has been used for years - oftentimes the property is not easy to show) Compelling
- [312 Pin Oak Lp., Driftwood Estates, 4 Bedroom, Santa Rosa Beach FL](https://www.itswendy.com/312-pin-oak-lp-driftwood-estates-4-bedroom-santa-rosa-beach-fl/) - 312 Pin Oak Loop, Driftwood Estates, Santa Rosa Beach Florida is sparkling clean with pristine paint and flooring. This four bedroom home has granite counters, cathedral and trey ceilings, recessed lighting, raised panel doors, brushed nickel hardware and more. The brick elegant exterior is refined and highlighted by a covered patio. The pond setting is
- [Offering on a House? How to Lose!](https://www.itswendy.com/how-to-lose-your-bid-destin-house/) - It's a seller's market on the Emerald Coast of Florida. Real estate agents will tell you they cannot find inventory for their buyers! There are way more buyers than sellers and properties are selling almost instantly. Instead of telling you how to WIN the house - I am going to tell you how to LOSE.
- [Free Market Analysis - Emerald Coast Florida Real Estate](https://www.itswendy.com/free-market-analysis-emerald-coast-florida-real-estate/) - Do you want to know what your property is worth? SPECIAL OFFER! Free Market Analysis for properties on the Emerald Coast of Florida for the following towns and areas: Destin, Miramar Beach, Fort Walton Beach, Santa Rosa Beach, Niceville, Crestview, 30A, Sandestin, Bluewater Bay, Navarre, Holley by the Sea. Contact me for a custom analysis
- [Mortgagor or Mortgagee?](https://www.itswendy.com/mortgagor-or-mortgagee/) - One of the most confusing terms in real estate is "mortgagor". Or should I say "confused" terms? It doesn't follow the logic, seemingly, of similar words. Let's take a look. The "grantor" is the seller and "gives" the real estate to the "grantee" (the buyer). The "lessor" is the landlord and "gives" the lease to
- [Is it Better to be "Right" or "Polite"?](https://www.itswendy.com/is-it-better-to-be-right-or-polite/) - This morning I received a somewhat terse email from an agent asking for a document related to a home sale. The agent represented the buyer and asked me to get a contract addendum to her right away. Normally, I'm quite fast routing documents, so thought it was odd that I hadn't already sent it. It's
- [2138 Hagood Lp., Lee Farms Pool Home, Crestview FL 32536 - SOLD in 1 Day](https://www.itswendy.com/2138-hagood-lp-lee-farms-pool-home-crestview-fl-32536-sold-in-1-day/) - 2138 Hagood Lp., Lee Farms, Crestview Florida in-ground pool home sold in ONE DAY! Crisp and clean, this roomy house had new carpet, new paint and new window blinds. The in-ground pool was highlighted with fresh landscaping and a screened porch with patio. The floorplan included the master bedroom, with walk-in closet and bath in a
- [Diary of a Destin Realtor](https://www.itswendy.com/diary-of-a-destin-realtor/) - Day in the life of a Destin Realtor... Morning... Trying to beat the impending storm, I drive through dense fog to get to my waterfront listing in Fort Walton Beach to remove my signs and lockbox before closing. I get there in time, walk 400 feet down the pier to the intracoastal. Getting totally
- [Okaloosa Island Beach Access Home - Private Haven - Fort Walton Beach FL 32548](https://www.itswendy.com/okaloosa-island-beach-access-home-private-haven-fort-walton-beach-fl-32548/) - 601 Pelican Drive, Fort Walton Beach, Florida is an enchanting Okaloosa Island home abutting dedicated Sound access and yards away from the Gulf of Mexico beach. The 100 foot wide accessway borders the rear of the property. This fabulous private compound on .38 acres has substantial outdoor areas, mature plantings, garden spaces, patios, covered and enclosed porches and
- [Thank You To My Wonderful Niceville Florida Home Buyer!](https://www.itswendy.com/thank-you-to-my-niceville-home-buyer-client/) - These lovely flowers brightened my day on Saturday. My husband was working in the yard and rang the doorbell. I opened it and there he was presenting this gorgeous bouquet. The only thing was - they weren't from him! I said, "Oh, Honey, thank you for remembering the 16 year anniversary of our first date!".
- [Emerald Grande 4 Bedroom Luxury Waterfront Condo W226 - Destin Florida](https://www.itswendy.com/emerald-grande-4-bedroom-luxury-waterfront-condo-w226-destin-florida/) - Emerald Grande condo unit W226 is for sale in this iconic Destin Florida condominium project. It lives like a home with four large bedrooms, four full bathrooms and eye-drawing balcony views of magnificent Destin waterways. Emerald Grande? See it from the distance as you are driving or flying into town with its architectural uniqueness. It’s
- [Executive Offices for Lease at Rulnick Executive Center at Miramar Beach, FL 32550](https://www.itswendy.com/rulnickexecutivecenterofficesforlease/) - The Rulnick Executive Center in Miramar Plaza has two executive offices available for lease. This elegant commercial suite is the ultimate location to rent your private commercial office space. Run your business uninterrupted in an ambience designed for thinking, decisions, and communication. Miramar Plaza is in Miramar Beach, Florida in South Walton County on U.S. Highway
- [Who is the Ideal Real Estate Seller Client?](https://www.itswendy.com/who-is-the-ideal-real-estate-seller-client/) - Every real estate agent, or any company for that matter, has its "ideal" client. Or should. Here is mine: My sellers communicate with me. Nothing is more difficult in causing a sale than having a non-communicative seller. If my seller responds to my emails, texts or phone calls, I know they are interested. If I
- [Elliotts Point VA Compromise Short Sale Approved - 118 Ferry Rd., Fort Walton Beach Florida](https://www.itswendy.com/elliotts-point-va-compromise-short-sale-approved-118-ferry-rd-fort-walton-beach-florida/) - This Elliotts Point home at 118 Ferry Rd., NE, Fort Walton Beach, Florida was approved as a VA Compromise Short Sale. This was not an easy property to sell, even though the short sale approval was easy! The home had multiple active roof leaks and and the roof was covered with tarp and sand bags.
- [Poinciana Place Condo, Miramar Beach FL - Short Sale Approved in 3 Weeks](https://www.itswendy.com/poinciana-place-condo-miramar-beach-fl-short-sale-approved-in-3-weeks/) - This Miramar Beach Florida condo at Poinciana Place was approved as a short sale in three weeks! Taking only 55 days to go under contract, this Miramar Beach condomium at 320 Scenic Gulf Drive had two liens. What does that mean? There were two mortgages in this case, each with SPS - Select Portfolio Servicing. The
- [JUST SOLD - 149 W Wild Briar Rd., Santa Rosa Beach FL - House with Apartment](https://www.itswendy.com/just-sold-149-w-wild-briar-rd-santa-rosa-beach-fl-house-with-apartment/) - 149 W. Wild Briar Rd., Mack Bayou, Santa Rosa Beach Florida sold in just 36 days! This unusual property with an apartment upstairs was on a canal that leads to Mack Bayou. Offered for sale numerous times in the past and on and off the market, Wendy Rulnick, Broker, effected the final sale when the
- [Development Parcel Under Contract - Brooks St.  Elliotts Point Fort Walton Beach Florida](https://www.itswendy.com/development-parcel-under-contract-brooks-st-elliotts-point-fort-walton-beach-florida/) - Under contract in 18 days! 338 Brooks Street in Fort Walton Beach Florida is a 1.56 acre waterfront parcel with an existing home, potentially subdividable to four or six lots. This deep water lot went under deposit fast and was in high demand with multiple offers, before and after contract. What are the particulars? Feature
- [Life Without the Mid-Bay Bridge, Oh My!](https://www.itswendy.com/life-without-the-mid-bay-bridge-oh-my/) - I had just made it across the Mid-Bay Bridge to White Point Road and then to my home in Bluewater Bay. I had groceries in the car from my stop at Publix in Destin, as I frequently do on my way back from the office in Miramar Beach. I either stop there or at Whole
- [338 Brooks St., Elliott Point, Waterfront Lot 1.5 Acres Fort Walton Beach Florida](https://www.itswendy.com/338-brooks-st-elliott-point-waterfront-lot-1-5-acres-fort-walton-beach-florida/) -  The prize waterfront lot of Elliott Point at 338 Brooks Street, Fort Walton Beach, Florida has become available for purchase. Own this rare 1.56 acre deep water piece to build the ultimate estate in this coveted, established Fort Walton Beach neighborhood. The professionally landscaped manor-like yard with full privacy hedge has a meandering 360'
- [My Latest Zillow Review from Destin Florida Home Seller](https://www.itswendy.com/my-latest-zillow-review-from-destin-florida-home-seller/) - Thank you to my Destin Florida seller! I sold two Destin townhomes for him within a few weeks. I advised him on an effective remodel that would maximize his selling price. It's always a pleasure to hear that I've helped someone! How may I help you? It's Wendy… It’s Sold! Wendy Rulnick, Broker, Rulnick Realty, Inc.
- [Email Newsletter Reactions - Good and Bad](https://www.itswendy.com/email-newsletter-reactions-good-and-bad/) - I usually send out about five email newsletters per year to my database, once every couple of months. These contain a few local real estate articles or blog posts that I've recently written. The articles may be about houses or condos for sale, pending or sold, local information, "Diary of a Realtor" stories, and
- [Canal Front Home & Apartment - 149 W Wild Briar Rd. Mack Bayou Santa Rosa Beach FL 32459](https://www.itswendy.com/canal-front-home-apartment-149-w-wild-briar-rd-mack-bayou-santa-rosa-beach-fl-32459/) - Investment opportunity in South Walton County! Waterfront home on canal with Apartment in Mack Bayou area at 149 W. Wild Briar Road, Santa Rosa Beach Florida is now for sale. Boat out to the Choctawhatchee Bay from the canal. The second floor of this house has a separate studio apartment of 520 SF with kitchenette
- [Jingle & Mingle Charity Event for Individuals with Autism - Westonwood Ranch - The Wine Bar, Miramar Beach FL](https://www.itswendy.com/jingle-mingle-charity-event-for-individuals-with-autism-westonwood-ranch-the-wine-bar-miramar-beach-fl/) - Come to the “Jingle & Mingle” charity holiday kick-off event at The Wine Bar at Grand Boulevard, Miramar Beach Florida. Enjoy live music by Mari Gleason, appetizers, wine, beer, raffles at this fabulous restaurant in Sandestin on December 2, from 1:00 p.m. to 4:00 p.m.! Proceeds will benefit Westonwood Ranch of Walton County, a farm-based learning program for
- [43 Shipwreck Rd. E., Mack Bayou, Driftwood Estates, Santa Rosa Beach Florida](https://www.itswendy.com/43-shipwreck-rd-e-mack-bayou-driftwood-estates-santa-rosa-beach-florida/) - This Mack Bayou area home at 43 Shipwreck Rd. E in Driftwood Estates, Santa Rosa Beach, Florida, impresses with grand, open living spaces. Almost 3000 square feet, it has four bedrooms, three full bathrooms and a separate office. New wood tile floors flow from room to room offering incredible lifestyle arrangements for multiple seating areas. Upgrades
- [Recent Sales Around the Emerald Coast - How May I Help You?](https://www.itswendy.com/recent-sales-around-the-emerald-coast-how-may-i-help-you/) - It's been a busy selling season around the Emerald Coast of Florida. I've helped a variety of sellers and buyers accomplish their real estate goals. Here are a few examples of recent sales: Quail Run Townhomes, Destin Florida - Unit 134 - sold 1014 Airport Rd., Destin Florida - Unit 142 - sold Bon Villas
- [Selling Your Fort Walton Beach Apartment Complex? Get Ready for Questions from Buyers](https://www.itswendy.com/selling-your-fort-walton-beach-apartment-complex-get-ready-for-questions-from-buyers/) - Are you thinking of selling your Fort Walton Beach Florida apartment complex or multi-family, duplex, triplex, four-plex etc? What is the apartment complex occupancy rate? What are the rents? Are all the rents for each apartment the same? Do the rents correspond with unit sizes? How long have the tenants been there? Are the leases on
- [SOLD - 12 Unit Apartment Complex, DeFuniak Springs Florida](https://www.itswendy.com/sold-12-unit-apartment-complex-defuniak-springs-florida/) - Sold! This 12 unit apartment complex in DeFuniak Springs Florida! 537 N 20th Street was a multi-building apartment complex on approximately 4.5 acres. One building had six units, and two smaller buildings had three apartments each, for a total of 12 units. The complex was built in 2000 and well-maintained. The asphalt parking lot had
- [26' Boatslip + 10,000 lb Lift for Sale* (*condo included) - Okaloosa Island, Hermitage 209](https://www.itswendy.com/26-boatslip-10000-lb-lift-for-sale-condo-included-okaloosa-island-hermitage-209/) - Hermitage #209 is a bay front condo on Okaloosa Island, in Fort Walton Beach, Florida. Included with the sale is a rare 26' boat slip and 10,000 pound boat lift on the private pier out to Choctawhatchee Bay. This two bedroom condo has been recently painted and all furnishings are included. Find a waterfront view
- [It's Wendy... It's Sold! Thank you to my Destin Florida Sellers!](https://www.itswendy.com/its-wendy-its-sold-thank-you-to-my-destin-florida-sellers/) - Thank you to my lovely Destin Florida, Miramar Beach real estate seller clients! They tried to sell their development property near the beach as “For Sale by Owner” for two years, then listed with another real estate company for six months. When their property failed to sell, they listed it with me. It was sold
- [First Time Home Buyer SOLD - Bluewater Bay Blue Pine Village!](https://www.itswendy.com/first-time-home-buyer-sold-bluewater-bay-blue-pine-village/) - It is such a rewarding pleasure to help a first time home buyer purchase his first house! Today I sold a home in Blue Pine Village, Bluewater Bay, Niceville Florida. The young buyer was just 21 years old! To see the wide-eyed wonderment at his pre-closing walk-through made my day! He told me "he
- [Coming Soon Listings!! Destin, Santa Rosa Beach, Okaloosa Island, Crestview Florida!](https://www.itswendy.com/coming-soon-listings-destin-santa-rosa-beach-okaloosa-island-crestview-florida/) - What real estate are you in the market for on the Emerald Coast of Florida? Here is a teaser of upcoming listings I will have for you in the next few weeks: Santa Rosa Beach: Single family home for sale in the Mack Bayou area, near Sacred Heart Hospital. Hardwood floors, granite, custom extravagant lighting, 9'
- [For Sale - OOPS UNDER CONTRACT -Quail Run Townhome, Destin Florida 32541](https://www.itswendy.com/for-sale-oops-under-contract-quail-run-townhome-destin-florida-32541/) - DISCLOSURE: I wrote this draft blog post about my new listing in Quail Run at 1014 Airport Road Destin, Florida, went on a week long trip, came back and it is now SOLD! Before I could get a chance to publish my Quail Run Destin townhouse listing for sale - it went under contract
- [Why Isn't My House Selling - Destin Florida](https://www.itswendy.com/why-isnt-my-house-selling-destin-florida/) - I was recently asked to review an expired Destin Florida listing. The home seller was dismayed that hardly anyone had looked at his Destin Florida house during his previous listing period. It was well priced, so that wasn't the issue. I read through the old MLS (Multiple Listing Service) description and it was bland and
- [SOLD Emerald Village, 688 Randall Roberts Rd., Fort Walton Beach, FL  Hurlburt Field](https://www.itswendy.com/sold-emerald-village-688-randall-roberts-rd-hurlburt-field/) - This exceptional home at 688 Randall Roberts Rd., Fort Walton Beach, Florida just sold! The Emerald Village house was built in 2000 and totally remodeled in 2018. Some of the highlights of 688 Randall Roberts Rd. were the floorplan - huge open spaces from the kitchen, eat-in area, living room and to the Florida room,
- [Under Contract - 1854 Seahawk Lane, Holley by the Sea, Navarre FL 32566](https://www.itswendy.com/under-contract-1854-seahawk-lane-holley-by-the-sea-navarre-fl-32566/) - UNDER CONTRACT! 1854 Seahawk Lane, Holley by the Sea in Navarre Florida is now a pending sale in less than 30 days! Beautifully updated, this 2459 square foot house is freshly painted, has new carpet, new granite kitchen with center island and new stainless steel appliances! There is a bonus Florida room with French doors which
- [Lot 5 Warwick Drive JUST SOLD in Shalimar Florida 32579](https://www.itswendy.com/lot-5-warwick-drive-just-sold-in-shalimar-florida-32579/) - Lot 5 Warwick Drive, Shalimar Florida just sold in less than 60 days. Finding residential building lots is not so easy in Fort Walton Beach Florida or Shalimar, especially for lots this size. Lot 5 Warwick Drive was almost three-quarters of an acre with dimensions of 75 x 400 feet. Located across the street from
- [The Magic Number in Selling Your Home](https://www.itswendy.com/the-magic-number-in-selling-your-home/) - What is your property worth? How much do you want for it? Those are two very different things. Even in the strong market in and around Destin Florida, sellers often overprice their homes, condos and lots when selling. They do this for various reasons, for the same reasons that occur in every market. Here is
- [SOLD in 7 Days! 403 Westlake Ct, Lakeside at Bluewater Bay, Niceville, Florida 32578](https://www.itswendy.com/sold-in-7-days-403-westlake-ct-lakeside-at-bluewater-bay-niceville-florida-32578/) - This Lakeside at Bluewater Bay condo sold in seven days! 403 Westlake Court, Unit 5, on the lake and across from the Bluewater Bay tennis center and courts, was clean and impeccable! Neutral, white modern decor, located on the first floor and offering a spectacular lake setting, this Niceville Florida condo was hard to resist! Lakeside
- [VA Compromise Short Sale Under Contract - 118 Ferry Rd. NE, Fort Walton Beach Florida - 32548](https://www.itswendy.com/va-compromise-short-sale-under-contract-118-ferry-rd-ne-fort-walton-beach-florida-32548/) - This VA Compromise short sale is now under contract! 119 Ferry Rd., NE in Fort Walton Beach Florida is pending and awaiting short sale approval. What is a VA Compromise Sale? It is a type of short sale specifically for Veterans Administration or VA home mortgage loans. A short sale occurs when real property, such
- [Developer Lots - 212 Driftwood Rd., Miramar Beach Destin Florida - Walk to Beach](https://www.itswendy.com/developer-lots-212-driftwood-rd-miramar-beach-destin-florida-walk-to-beach/) - Opportunity to build new homes in Miramar Beach, Destin Florida within walking distance to the Gulf of Mexico beaches at 212 Driftwood Road. This South Walton, Miramar Beach-Destin area building lot is potentially subdividable to four lots, south of Highway 98 and about 1000 feet to the beach. Just south of Miramar Plaza, there is public beach
- [1854 Seahawk Lane, Holley by the Sea, 4 Bedroom Home for Sale, Updated! Navarre FL 32566](https://www.itswendy.com/1854-seahawk-lane-holley-by-the-sea-4-bedroom-home-for-sale-updated-navarre-fl-32566/) - Beautifully updated home in Holley by the Sea at 1854 Seahawk Lane, Navarre Florida! This spacious home is freshly painted, has new carpet, new granite kitchen with center island and brand new stainless steel appliances! The cabinetry in the kitchen and master bath has been updated. The floor plan is split bedroom, with the master
- [My Latest Zillow Review - and "She Speaks Italian"!](https://www.itswendy.com/my-latest-zillow-review-and-she-speaks-italian/) - My most recent Zillow review brings on the smiles! Thank you, Kate and family, for allowing me to help you sell your Bluewater Bay property! It's Wendy… It’s Sold! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Seagrove Beach,
- [SOLD in the CAR - Lakeview Condo #3, Miramar Beach Florida!](https://www.itswendy.com/sold-in-the-car-lakeview-condo-3-miramar-beach-florida/) - I wrote the offer in the car. This is not a plug for the Verizon wifi hub, not exactly. I decided to take a few days off (not really) and accompany my husband on a business trip to Cincinnati. Always working on these Hubby trips while he's doing his thing, I usually exercise in the
- [688 Randall Roberts Rd., Emerald Village, Hurlburt Field, Fort Walton Beach FL 32547](https://www.itswendy.com/688-randall-roberts-rd-emerald-village-hurlburt-field-fort-walton-beach-fl-32547/) - 688 Randall Roberts Rd. in Emerald Village, Fort Walton Beach Florida is a delightfully updated home for sale near Hurlburt Field and Eglin Air Force Base. Absolutely elegant, completely remodeled home with fine details for living pleasure. Spaces draw the eye from room to room with angles, depth and drama. Brand new paint throughout in
- [Summerlin # 602 - Top Floor Gulf Front Condo- Okaloosa Island, 774 Sundial Ct., Fort Walton Beach FL](https://www.itswendy.com/summerlin-602-top-floor-gulf-front-condo-okaloosa-island-774-sundial-ct-fort-walton-beach-fl/) - Sleekly stylish, top floor Summerlin Condo #602 available in an intimate complex directly on the Gulf of Mexico on Okaloosa Island. This sophisticated condominium at 774 Sundial Court, Fort Walton Beach, Florida, was carefully remodeled, it beckons with seldom seen quality and lives like a fine home. Thoughtful upgrades include added counter space, quartz counters, new
- [Lakeside Condo at Bluewater Bay, Unit 5, 403 Westlake for Sale](https://www.itswendy.com/lakeside-condo-at-bluewater-bay-unit-5-403-westlake-for-sale/) - GORGEOUS Bluewater Bay Lakeside three bedroom condo on the lake with two patios. Watch the ducks!! The Bluewater Bay Tennis Center is across the drive! Such choices! This unit is exceptional! Sleek, clean, neutral. Bluewater Bay Resort is known for GOLF, TENNIS, POOLS, recreation, there is even a MARINA! If you are a neatnick -
- [Mobile Home RV Park Plus House - 3.38 Acres for Sale Navarre FL 32566](https://www.itswendy.com/mobile-home-rv-park-plus-house-3-38-acres-for-sale-navarre-fl-32566/) - Are you an investor looking for rental income? Eight unit mobile home and RV park plus a single family home at 9277 Deer Lane, Navarre Florida for sale. Current units on site rent for about $53,000 gross per year. Three mobile homes are included and they are much remodeled. Other pads have RV's or mobile home rentals.
- [Building Lot 5 Warwick Dr., Poquito Bayou, Shalimar Florida 32579 For Sale](https://www.itswendy.com/building-lot-5-warwick-dr-poquito-bayou-shalimar-florida-32579-for-sale/) - Lots of this size rarely come on the market in Fort Walton Beach, Florida! Located in Poquito Bayou in Shalimar, Warwick Drive Lot# 5 has a generous size, .67 acres, and depth of 390 feet, and can potentially be subdivided to have a flag lot. Find a public boat launch, park, swimming and outdoor grills three
- [118 NE Ferry Rd., Elliotts Point, Fort Walton Beach FL VA COMPROMISE SHORT SALE](https://www.itswendy.com/118-ne-ferry-rd-elliotts-point-fort-walton-beach-fl-va-compromise-short-sale/) - Gorgeous VA Compromise Short Sale in Elliotts Point, Fort Walton Beach Florida. 118 Ferry Rd., NE has gleaming maple look wood floors in living room and dining rooms, very open floor plan with architectural sleekness. Design includes kitchen with enormous pass through to dining and living area. Wood-burning fireplace and built-in shelves create focal
- [Presenting the Winner of Miss Navarre High School](https://www.itswendy.com/miss-navarre-high-school/) - I sponsored the winner of Miss Navarre High School! Isabella Dominitz is a 15-year-old sophomore. Even before she won, I knew she was a star! She is beautiful, intelligent, poised, and well-spoken. "I'm taking all honors and advanced placement classes, and I'm studying to become a computer scientist. For my future I hope to impact
- [Coming Soon! Listings along the Emerald Coast](https://www.itswendy.com/coming-soon-listings-along-emerald-coast/) - Spring is heating up on the Emerald Coast! I will have several new offerings for you in the coming weeks. Here is a teaser: Turn Key Business in Mary Esther Florida, with inventory, owner training, business name and commercial condo storefront with shop. Two townhomes on Airport Run in Destin Florida with garages. New subdivision in
- [Hermitage Condo with Boatslip - Okaloosa Island - SOLD in One Day!](https://www.itswendy.com/hermitage-condo-boatslip-okaloosa-island-sold-one-day/) - SOLD in ONE DAY! Hermitage condo on Okaloosa Island with boat slip! This darling remodeled condo had a view of the Choctawhatchee Bay and rare boat slip, listed at a thrilling price of $219,000! The buyers lined up to see this property and it was sold overnight! A boat-owner treasure, the Hermitage also has parking lot
- [Fort Walton Beach Short Sale Yorktown at Willow Bend - 6 Offers in 1 Day!](https://www.itswendy.com/fort-walton-beach-short-sale-yorktown-willow-bend-6-offers-1-day/) - This home in Yorktown at Willow Bend in Fort Walton Beach Florida just went under contract! A VA Compromise Sale, it received six offers in one day! Why? The price was right, listed at $90,000, and the property was in poor condition. What? Why would a home in poor condition receive six offers in one
- [30A - Martha's Lane Lot 4, Santa Rosa Beach FL - Walk to Gulf](https://www.itswendy.com/30a-marthas-lane-lot-4-santa-rosa-beach-fl-walk-gulf/) - Dreaming of living off 30A in Santa Rosa Beach, Florida? Lot 4 Martha's Lane is a lovely lot for sale on one of the highest elevations you will find in South Walton. You may have potential gulf views from the second or third story! This 30A area lot is about .2 acres, with dimensions of
- [Happy New Year](https://www.itswendy.com/happy-new-year-2/) - Wishing you wonders of a New Year! May you be blessed with health, joy and all things to bring happiness to your life. It's Wendy… It’s Sold! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Seagrove Beach, Watercolor,
- [Happiness at Hanukkah](https://www.itswendy.com/happiness-at-hanukkah/) - To all, I hope you enjoyed the beautiful light of the Hanukkah season! It's Wendy… It’s Sold! Wendy Rulnick Broker, Owner, Rulnick Realty, Inc. Call 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Seagrove Beach, Watercolor, Sandestin, Seaside, Rosemary Beach, Fort Walton Beach, Niceville, Bluewater
- [Short Sale Sellers - May I Help You?](https://www.itswendy.com/short-sale-sellers-may-help/) - Do you think short sales are over on the Emerald Coast of Florida? They are not. In the last twelve months, I've helped sellers from Sandestin, Destin, Miramar Beach, Florida to Navarre, Niceville, Crestview and more short sale their homes or investment properties, with prices ranging from $100,000 to almost $1,000,000! The market has recovered,
- [Santa Rosa Mall, Mary Esther Florida - Not So Bright and Happy for the Holidays](https://www.itswendy.com/santa-rosa-mall-mary-esther-florida-not-bright-happy-holidays/) - Out for my annual Christmas and Hanukkah shopping excursion for my husband, I trekked over to Santa Rosa Mall in Mary Esther, Florida. On Black Friday! Was I nuts? Yes and yes! Yes, I was nuts because it WAS Black Friday, a traditional zooey day to shop, but the second "nuts" part was... it was
- [Book Review: "Mini Habits: Smaller Habits, Bigger Results"](https://www.itswendy.com/book-review-mini-habits-smaller-habits-bigger-results/) - The book just jumped out at me from "surfing" on Amazon... "Mini Habits: Smaller Habits, Bigger Results" by Stephen Guise. One of his key premises is "Doing a little bit is infinitely bigger and better than doing nothing (mathematically and practically speaking)". The author proposes that you do something so infinitesimally small on a daily basis that moves
- [Indian Lake Condo Unit 368 - Under Contract in 10 Days! Destin Florida](https://www.itswendy.com/indian-lake-condo-unit-368-contract-10-days-destin-florida/) - Indian Lake Unit 368 went under contract in just ten days! This two bedroom Destin Florida condo had several showings and was sold fast! The unit had a long-term renter with monthly gross income of $1200. The return on investment was quite attractive to the new owner. The quarterly homeowners association dues (HOA dues, also
- [So You Found a "For Sale By Owner" and You Want an Agent to Write Your Offer?](https://www.itswendy.com/found-sale-owner-want-agent-write-offer/) - I've recently been asked to write an offer for a buyer purchasing a For Sale by Owner property. The buyer found the property and wonders why a fee for such a service shouldn't be rock bottom. If you think just writing an offer for someone is easy, take a look at the following list of
- [Emerald Coast Water Damage Prevention Checklist - Courtesy Niceville Insurance Agency](https://www.itswendy.com/emerald-coast-water-damage-prevention-checklist-courtesy-niceville-insurance-agency/) - I recently sold a fixer-upper house on 30A in South Walton, Santa Rosa Beach, Florida, in the Beach Highland subdivision. One of the reasons it needed work was due to water damage from a washing machine hose break. The sellers of this 30A vacation home had turned the water on prior to their visit by
- [12 Unit Multi-Family Apartment Complex for Sale, DeFuniak Springs, FL](https://www.itswendy.com/12-unit-apartment-complex-sale-defuniak-springs-florida-north-walton/) - Introducing The Highlander, 12 unit apartment complex for sale North Walton County - DeFuniak Springs Florida. Why this is an attractive multi-family investment on the Emerald Coast: 12 units Built in 2000-2001 Original owner Continual upkeep and maintenance - new parking lot, windows, paint, carpet, washers, dryers, ceiling fans replaced Strong occupancy All units have 2
- [Indian Lake 2 Bedroom Investment Condo - Destin Florida 32541](https://www.itswendy.com/indian-lake-2-bedroom-investment-condo-destin-florida-32541/) - Newly for sale - Indian Lake Unit 368 is a striking condominium value in Destin Florida! These Indian Lake Destin condos sell fast and are an attractive investment property. Earn rental income of $1200 per month with the long-term tenant in place in this two bedroom, two bath second floor unit! Indian Lake is located
- [I would love to hear your story...](https://www.itswendy.com/love-hear-story/) - As a means to get new business, I sometimes mail out what is called an "expired letter". I mail these letters to owners who had their properties on the market in the Destin, Santa Rosa Beach, Niceville, Fort Walton Beach Florida areas, but whose house, condo or lot failed to sell and their listing contract
- [Just Sold - Island Green, Sandestin, Miramar Beach Florida Golf Course Home](https://www.itswendy.com/just-sold-island-green-sandestin-miramar-beach-florida-golf-course-home/) - This Sandestin home at 1513 Island Green Drive in Miramar Beach, Florida just sold in 34 days. The 3589 square foot Raven Golf Course home built in 2002 had dreamy views of the Number 2 Fairway and dappling lakes beyond from both the first and second floors. Upgraded features included marble floors, high ceilings, crown
- [Another Florida Title Insurance Story - Why You Should Get It](https://www.itswendy.com/another-florida-title-insurance-story-get/) - I recently sold a piece of property in the Point Washington, Florida area. The buyer was paying cash and was concerned that there was a clear title, which is the legal right to ownership. When you purchase a property for "cash", you don't have to get title insurance in Florida. This smart buyer, however, did want
- [Latest Review Sandestin Home Seller, Miramar Beach FL](https://www.itswendy.com/latest-review-sandestin-home-seller-miramar-beach-fl/) - Thank you to my Sandestin, Miramar Beach, Florida home sellers for their kind review on Zillow! Read on... "Wendy was amazing!!!! We had interest in our home immediately and it was under contract so quickly! She was there for us every step of the way and her attention to detail and great follow through ensured
- [You Just Bought a House - Change the Locks](https://www.itswendy.com/just-bought-house-change-locks/) - I recently sold a house in Destin Florida. The buyer's agent asked repeatedly for the seller to turn over all the keys - they only had a couple of them. Where were the rest? Who knows? They had two teenage sons and there was an ex-spouse. Perhaps they had extra keys. Maybe a neighbor, or
- [Monday Diary of a Realtor in Destin Florida](https://www.itswendy.com/monday-diary-realtor-destin-florida/) - Think it's all glamorous being a Realtor in Destin Florida? It's Monday! Today some of my tasks were: Calling clients to confirm commercial listing appointment in DeFuniak Springs, Florida and to confirm receipt of market analysis sent by email. Calling Walton County Public Works to get status of one-way road proposal for Driftwood and Ellis
- [Just Sold Cedar Ridge Niceville - 3932 Balsam Dr. in 1 DAY!](https://www.itswendy.com/cedarridgebalsamdrivesalenicevillefl/) - SOLD in ONE DAY! 3932 Balsam Drive, Niceville Florida 32578 in the Cedar Ridge subdivision sold in less than a day recently! After multiple showing within a few hours, this property had a full price offer. One of the tidiest and cleanest homes I've ever sold, this Cedar Ridge property had 1185 square feet, two
- [Walton County Florida Single Family Home Market - Santa Rosa Beach, 30A, Miramar Beach FL](https://www.itswendy.com/walton-county-florida-single-family-home-market-santa-rosa-beach-30a-freeport-miramar-beach-fl/) - Everything you want to know about the Walton County, Florida single family housing market is here, up through August 2017. Walton County includes Santa Rosa Beach, 30A, Rosemary Beach, Miramar Beach, Freeport, etc. Notice that in the past year, the number of sales has gone up almost 9% over the previous year. The average sale
- [Okaloosa County Single Family Home Market - Destin, Fort Walton Beach, Niceville, Crestview Florida](https://www.itswendy.com/okaloosa-county-single-family-home-market-destin-fort-walton-beach-niceville-crestview-florida/) - Everything you want to know about the Okaloosa County, Florida single family housing market is here, up through August 2017. Okaloosa County includes Destin, Fort Walton Beach, Niceville, Crestview, Mary Esther, Shalimar, Valparaiso, etc. Notice that in the past year, the number of sales has gone up almost 10% over the previous year. The average
- [Just Sold - 1307 Limestone Creek Cv., Swift Creek, Niceville FL - Sold in 60 Days!](https://www.itswendy.com/just-sold-1307-limestone-creek-cv-swift-creek-niceville-fl-sold-60-days/) - Just Sold - This gorgeous Swift Creek home at 1307 Limestone Creek Cove, Niceville Florida! Built in 2005, this 2818 square foot brick home built in 2005 sold for $433,000. The new lucky buyers have brand new carpet and brand new inside and outside air conditioning units. The home was meticulously maintained. The counter tops
- [Short Sale - 6612 Fairmont St., Holley by the Sea,Navarre Florida 32566](https://www.itswendy.com/6612-fairmont-st-holley-sea/) - NEW BANK APPROVED PRICE OF $237,000!! Introducing a Nationstar short sale at 6612 Fairmont Street in Holley by the Sea, Navarre Florida 32566. This is a stunning home of elegant design. Architectural elements offer refinement, including arched doorways, rounded corners, plant ledges, sculpture niche and dramatic ceiling height. The large kitchen has a center-island, solid surface
- [Island Green Sandestin, Florida - Citibank Luxury Short Sale Approved](https://www.itswendy.com/island-green-sandestin-florida-citibank-luxury-short-sale-approved/) - This lovely home in Island Green, an elegant neighborhood within the community of Sandestin Resort, Miramar Beach, Florida, was just approved as a short sale. Listed at almost $900,000, the luxury property went under contract in little more than 30 days. Only the junior lien, Citi, was a short sale. The following documents are typical
- [Half-Acre South of 30A Loon Lake Dr.- Lake Stallworth, Gulf Access, Santa Rosa Beach FL 32459](https://www.itswendy.com/half-acre-south-30a-lake-stallworth-gulf-access-santa-rosa-beach-fl-32459/) - Introducing Lots 10 and 11B, Loon Lake Drive, Santa Rosa Beach, Florida. Stunning half-acre lot south of 30A with deeded access to Stallworth Lake and the beach! This gorgeous wooded half-acre building lot is located on the old-Florida feel Loon Lake Drive. The boardwalk behind the property is an invitation to enjoy the natural, treed setting and rare
- [Okaloosa County Real Estate Market Report Second Quarter 2017](https://www.itswendy.com/okaloosa-county-real-estate-market-report-second-quarter-2017/) - Okaloosa County Single Family Homes 2017-Q2 Local Residential Market Metrics by Wendy Rulnick on Scribd It's Wendy… It’s Sold! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach, Seagrove Beach, Watercolor, Sandestin, Seaside, Rosemary Beach, Fort Walton Beach,
- [Are You a Customer or a Robo-Caller? Excuse My Tone While I Answer the Phone](https://www.itswendy.com/customer-robo-caller-excuse-tone-answer-phone/) - Ring, ring!! "Rulnick Realty, may I help you?" PAUSE "Hi, (stutter) this is Sarah from Travel Rewards, can you hear me ok?" Ring, ring!! "Rulnick Realty, Wendy Rulnick speaking." "Hi, is this Wendy?" "Yes, it is." "I'm calling from Fast-Loop Sales. We're looking for aggressive real estate agents to handle leads in your area.
- [Mortgage Tool Kit if You Want to Buy a Home on the Emerald Coast of Florida](https://www.itswendy.com/mortgage-tool-kit-want-buy-home-emerald-coast-florida/) - Are you thinking about buying a home on the Emerald Coast? Here is the Consumer Financial Protection Bureau Home Loan Toolkit. This will help you understand the mortgage process, and required documentation from your lender and title company, called the Loan Estimate and Closing Disclosure. For more information, also check out "Owning a Home:
- [1307 Limestone Creek Cv., Swift Creek Elegant Home for Sale, Niceville FL 32578](https://www.itswendy.com/1307-limestone-creek-cv-swift-creek-elegant-home-sale-niceville-fl-32578/) - Beautiful Swift Creek home for sale at 1307 Limestone Creek Cv. in Niceville Florida (ranked Best Place to Live in Florida). The striking design provides openness and the refined touches a luxurious feel that highlight this 2818 square foot home. Generous floor plan, high ceilings, formal dining with punctuating columns are to the right of
- [Pazzo Italiano - New Destin Italian Restaurant](https://www.itswendy.com/pazzo-italiano-new-destin-italian-restaurant/) - We just lunched at the brand-new swanky Italian restaurant, "Pazzo Italian", in Destin Florida. "Pazzo Italiano" means "crazy Italian". It wasn't crazy at all - but it was posh and elegant! The first thing that struck me was the sleek decor, suspended lighting and touches like the contemporary metal map of Italy on the wall. Our waiter, Art,
- [Sumptuous Island Green Sandestin Florida - Short Sale - Under Contract in 34 Days!](https://www.itswendy.com/sumptuous-island-green-sandestin-florida-short-sale/) - Sumptuous home in Island Green short sale home in Sandestin Resort, Miramar Beach Florida just went under contract in only 34 days! Built to take advantage of views of the renowned Raven Golf Course. Sit on one of the covered porches - there's one on the first and second floors and see endless greens, lakes
- [Spectacular Waterfront Lot for Sale - 208 Hood Ave SE, Fort Walton Beach FL](https://www.itswendy.com/unique-waterfront-lot-sale-fort-walton-beach-florida/) - 208 Hood Ave SE, Fort Walton Beach Florida is a spectacular waterfront lot. Located in the well-established Brooks Street neighborhood, this peninsula-shaped lot is one of the most unique waterfront finds on the market. The half-acre lot is fully fenced for privacy and mostly cleared. There is a new 6' seawall and fence. A new
- [iRobot Roomba 980 - My New OCD - Destin FL](https://www.itswendy.com/irobot-roomba-980-new-ocd-destin-fl/) - My life has changed. I have a new obsession, a new pet, a new OCD. It's the iRobot Roomba 980. I've named it "Shuttlecraft" (Star Trek fan). How did this come about and what does it mean? A few weeks ago a friend and I were chatting at my house and I apologized that it was
- [Enjoy the View on Henderson Beach, Destin Florida!](https://www.itswendy.com/enjoy-view-henderson-beach-destin-florida/) - I thought I would share this lovely view from lunch at 790 on the Gulf in Destin, Florida! Thinking of selling? Get an instant valuation at www.pricemyemeraldcoasthome.com. It's Wendy… It’s Sold! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach,
- [Working Real Estate From Home After Gym "Ouch"!](https://www.itswendy.com/working-real-estate-home-gym-ouch/) - What do you do after you pull your hamstring working out at Gold's Gym in Destin, Florida? You work from home accompanied by your kitties. Here is a picture of Micah and you can sort of see Nikolai in front of him. They were my constant companions, along with Athena (not pictured), while I was propped
- [Sale Pending - Sunsail Subdivision, Destin FL](https://www.itswendy.com/sale-pending-sunsail-subdivision-destin-fl/) - In less than a week, this lovely home in Sunsail in Destin Florida is now under contract. The pending home for sale at 4680 Windstarr Dr. will close in April. At over 2100 square feet and built in 1997, this attractive house is within walking distance to the beach on the Gulf of Mexico. What actions cause
- [How Feedback Sold a House in 3 Days in Destin Florida](https://www.itswendy.com/feedback-sold-house-3-days-destin-florida/) - When I list a home in Destin Florida or anywhere on the Emerald Coast, one thing I do as a listing agent is follow up on any showings. What does that mean? Whenever an agent shows one of my listings, I send them an email asking for "feedback" and if they have any questions. There are
- [4680 Windstarr Dr., Sunsail, Destin FL Home for Sale - Walk to Beach](https://www.itswendy.com/4680-windstarr-dr-sunsail-destin-fl-home-sale-walk-beach/) - Price Your Destin Home Instantly This Sunsail home for sale at 4680 Windstarr Drive is one of the best deals in Destin Florida, south of Highway 98, walking distance to the beach and Henderson Beach State Park! This happy Sunsail home is freshly painted and has unique features like arched doorways and two living rooms. One is a
- [South Walton Art Festivals in Spring 2017](https://www.itswendy.com/south-walton-art-festivals-in-spring-2017/) - Guest Post: This post was written by Destin resident Lori Saczynski. She and her husband Andy own an art gallery in Grayton Beach. Andy was the 2013 South Walton Artist of the Year, and was voted Best Local Artist multiple times. If you love art, you’re in luck the next couple months! Here's your list
- [Selling Real Estate is More Than "Filling Out a Contract" - Destin Florida](https://www.itswendy.com/selling-filling-contract-destin-florida/) - A few days ago a buyer contacted me to write an offer on a Destin area "For Sale By Owner" property. He asked how much I would charge to "fill out the contract". I responded with my fee, which I thought was fair. Here is what I wrote the buyer: "Most 'For Sale By Owners'
- [Guest Post: Things to Do With Kids in Destin, South Walton, and on 30A](https://www.itswendy.com/things-to-do-with-kids-in-destin/) - Guest Post: This post, written by Destin resident Lori Saczynski, originally appeared on Andy's Saczynski's web site in July 2014 and was revised in February 2017. Andy was the 2013 South Walton Artist of the Year, and was voted Best Local Artist multiple times. His art gallery is located in Grayton Beach. I've called the
- [How Creativity Sells Real Estate on 30A - Santa Rosa Beach Florida](https://www.itswendy.com/creativity-sells-property-off-30a-santa-rosa-beach-florida/) - Let me tell you a little story and fun discovery of a unique marketing angle for a home I have listed south of 30A in Beachview Heights. "30A" is a very popular South Walton section of Santa Rosa Beach, Florida. It's a long stretch of road south of Highway 98 from the west end nearer
- [My Clients Are What Make Selling Real Estate Special](https://www.itswendy.com/clients-make-selling-real-estate-special/) - After selling their Emerald Coast home, my clients suprised me with a lovely closing gift. Thank YOU to my wonderful sellers. You are what makes my business special! It's Wendy… It’s Sold! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Wendy Rulnick, Broker, sells real estate in Destin, Santa Rosa Beach, 30A, Miramar Beach,
- [Maravilla Condo #3207, Destin Florida - Just Sold](https://www.itswendy.com/maravilla-condo-3207-destin-florida-just-sold/) - JUST SOLD - Maravilla Unit 3207, Miramar Beach, Destin Florida! The Maravilla condo complex is one of the most popular in Destin and Miramar Beach. Maravilla has four buildings, the most sought-after units have a gulf view. Unit 3207 had a side gulf view highlighting the stunning emerald green waters of the Gulf of Mexico. This
- [SOLD Half-Acre Lot South of 30-A, Santa Rosa Beach FL 32459](https://www.itswendy.com/sold-half-acre-lot-south-30-santa-rosa-beach-fl-32459/) - Lot 4 Chivas Lane, south of 30-A, recently sold for full price - $575,000. This half-acre lot in Santa Rosa Beach Florida was a rare opportunity to purchase a lot of this size. Most lots in the greater south of 30-A vicinity are in the .10 (one-tenth of an acre) range. Lot 4 Chivas Lane
- [Emerald Coast Holiday Events 2016](https://www.itswendy.com/emerald-coast-holiday-events-2016/) - There are so many events happening between now and the end of the year, I have compiled an Emerald Coast Holiday Events 2016 list just for you! Santa to arrive at Destin Commons with fireworks November 18, 2016 6:00-8:00 PM Santa Claus is coming to town at Destin Commons on November 18, 6 – 8
- [Mid-Bay Bridge Tolls Fees Affect Emerald Coast Commuters](https://www.itswendy.com/mid-bay-bridge-tolls-fees-affect-emerald-coast-commuters/) - See November 17 update at end of post. If you are a local, you probably occasionally travel the Mid-Bay Bridge. If you work in Destin, Miramar Beach or Santa Rosa Beach and live in Niceville or Crestview, you use the Mid-Bay Bridge regularly. If you are an employer in the Destin area, you've probably experienced
- [2 Acre Waterfront Lot on Santa Rosa Sound, Mary Esther FL - West of Hurlburt](https://www.itswendy.com/2-acre-waterfront-lot-santa-rosa-sound-mary-esther-fl-west-hurlburt/) - Why not build a custom home on the water in Mary Esther, Florida, West of Hurlburt? This two acre lot for sale on Santa Rosa Sound offers 100 feet on the water. Part of Lot 15, Forest Shores Drive, is north of the road, providing additional buffer. This sound front lot is near the end of
- [Justifying Your Low Offer? Price Per Square Foot CMA's Are Misleading](https://www.itswendy.com/justifying-low-offer-price-per-square-foot-cmas-misleading/) - Recently, I received three offers on Destin Florida area real estate listings that were quite low. In each case, the buyer's agent attached a comparative market analysis, called a CMA. The only problem was that these so-called analyses only used "price per square foot" as a value determinant. The agents chose nearby homes, plugging their sales prices
- [Palms of Seagrove B7, 30A Condo Under $350,000](https://www.itswendy.com/palms-seagrove-b7-30a-condo-350000/) - Spectacular gulf views from the Palms of Seagrove B7 condo on 30A, one mile east of Seaside. This vibrant Palms of Seagrove unit has tile floors and a spacious, open feeling. Overlooking the pool and the gulf, unwind on your balcony. The gulf view is over a nature walk of trees, adding to a more
- [Why Didn’t “YOU” Take the Offer?  - Destin Florida](https://www.itswendy.com/didnt-take-offer-destin-florida/) - I was representing the seller as the listing agent for a Destin Florida condominium. My form of representation was “Transaction Broker”, which according to Florida Statute 475.278, means: 2) TRANSACTION BROKER RELATIONSHIP.—A transaction broker provides a limited form of representation to a buyer, a seller, or both in a real estate transaction but does not represent
- [317 Killarney Rd., Rocky Bayou Home for Sale- Niceville FL 32578](https://www.itswendy.com/just-listed-317-killarney-rd-rocky-bayou-niceville-fl-32578/) - 317 Killarney Road, Niceville Florida, is a great home for sale in Rocky Bayou subdivision! This four bedroom one-floor contemporary home has been updated with new paint and new carpet and features high and trey ceilings throughout. The living room has a wall of sliders to the Florida room and also lovely built-in shelving. The master
- [Under Contract - Sandprints E1, Miramar Beach, Florida - Walk to Beach](https://www.itswendy.com/just-listed-sandprints-e1-miramar-beach-florida-walk-beach/) - Sandprints condo E1, now under contract after multiple offers, is in one of the most popular condo complexes a few minute walk to the beach and Pompano Joe's in Miramar Beach, Florida! This one bedroom unit has brand new carpet, new paint and decorator touches. The kitchen has a tile back splash and breakfast bar with recessed lighting
- [Concern About Your Florida Condo's Sprinkler System - New Law Interpretation](https://www.itswendy.com/concern-florida-condos-sprinkler-system-new-law-interpretation/) - If you own a high-rise condo in Florida, you may have gotten a memo about the requirement for sprinkler system retrofitting in your building. Here is an update from the Community Association Leadership Lobby: The Fuss about Florida's Fire Sprinkler Opt Out Deadline The Division of Florida Condominiums, Timeshares and Mobile Homes ("Division") has recently
- [Timeline to Florida Real Estate Closings](https://www.itswendy.com/timeline-to-florida-real-estate-closing/) - Now that your Florida house is under contract, here is a quick cheat sheet of what to expect next! Timeline to Closing: EARNEST MONEY Buyer will deposit earnest money within the number of days specified in the contract, usually with the contract or within Three Days. LOAN COMMITMENT Mortgage lender will work on buyer’s loan
- [Zip Code Change for 30A Homes Near Inlet Beach, Rosemary Beach!](https://www.itswendy.com/zip-code-change-30a-homes-near-inlet-beach-rosemary-beach/) - Attention! Sometimes zip codes in the 30A area can be confusing! As of July 1, 2016, the US Post Office has changed the zip code commonly used in communities near Inlet Beach, Florida. Previously, properties on the east end of 30A in south Walton County used the Panama City Beach zip code of 32413, but now use
- [Maravilla Condo #3207, Destin Florida - Gulf View - For Sale](https://www.itswendy.com/just-listed-maravilla-condo-3207-destin-florida-gulf-view/) - Maravilla condo gulf view units rarely come on the market in Destin Florida. When they do, they sell fast! Here is your opportunity to own a part of paradise! Maravilla Unit 3207 is two bedroom condo with a dazzling side view of the Gulf of Mexico from the balcony! Enjoy 2.5 acres of deeded beach access to white, powdery
- [Adventure on the Mid-Bay Bridge!](https://www.itswendy.com/adventure-mid-bay-bridge/) - Today I am driving north across the Mid-Bay Bridge in Niceville Florida, when I see a full size tire bounce off a truck and and start rolling full speed down hill from the top of the bridge! Of course, I braked waiting for the ensuing fender bender. Multiple cars were swerving to avoid it as it
- [413 Bobby Dr., Countryview Estates, Crestview Florida VA Compromise Sale](https://www.itswendy.com/413-bobby-dr-countryview-estates-crestview-florida-home-sale/) - 413 Bobby Drive is a VA Compromise Short Sale in Crestview Florida, south of I-10. All completed within the past few weeks for you- brand new carpet, new inside paint, new roof, new air conditioner, pressure washed, new front door paint! Clean, shining, light and airy! The living room and dining room flow together punctuated by a
- [Sandpiper Cove Condo #1009, First Floor, One Bedroom, Remodeled, Destin Florida](https://www.itswendy.com/sandpiper-cove-1009first-floor-one-bedroom-remodeled-destin-florida/) - This Sandpiper Cove, Destin Florida one bedroom, first floor condo is affordably priced at $159,900 and opens up a world of vacation fun plus income opportunity, grossing over $16,000 per year. This Sandpiper Cove condo has been remodeled and has granite kitchen counters, tile floors and a brand new air conditioning system. Sandpiper Cove is
- [JUST SOLD - Blue Surf Townhome #18, 2312 Scenic Gulf  Dr., Destin Florida](https://www.itswendy.com/just-sold-blue-surf-townhome-18-destin-florida/) - This lovely Blue Surf Townhome in Miramar Beach, Destin Florida just sold! This small Blue Surf complex at 2312 Scenic Gulf Drive is directly across from the beach and Pompano Joe's restaurant. Blue Surf #18 featured remodeled kitchen and bathrooms with granite, two bedrooms, two stories and an end-unit prime location in the complex. Many Blue Surf
- [JUST SOLD - Lot 7 Sunfish, Kokomo Kove, Crystal Beach, Destin Florida](https://www.itswendy.com/lot-7-sunfish-kokomo-kove-crystal-beach-destin-florida-sold/) - This beautiful Crystal Beach Destin Florida building lot in Kokomo Kove just sold. Lot 7 Sunfish Street was steps from the private beach walkover and near the end of the cul-de-sac. Crystal Beach is one of the most desired old-world subdivisions in Destin, Florida. You won't find cookie-cutter homes in this community, but a laid-back beach feel
- [97 Bayside Park, Miramar Beach Florida - SOLD in 7 Days!](https://www.itswendy.com/97-bayside-park-miramar-beach-florida-sold-7-days/) - This Bayside home in Miramar Beach, Florida, just sold! Beautifully remodelled and decorated, the home at 97 Bayside Park had immediate multiple showings and went under contract in seven days! Stand-out features were the tile-wood floors, upgraded designer light fixtures, new backyard pergola and fresh pain throughout. There was also an expanded sitting room next
- [Just Sold Navarre Beach - $900,000 - 7343 Spinnaker Ct.](https://www.itswendy.com/just-sold-navarre-beach-900000-7343-spinnaker-ct/) - JUST SOLD!! 7343 Spinnaker Ct., Navarre Beach Florida! This gorgeous beach home had spectacular gulf views, sound views and views of Gulf Island National Seashore. At over 2500 square feet with four bedrooms and four full baths, the home offered a wonderful opportunity to own an investment property at the west end of Navarre Beach.
- [New Destin Restaurant - Baguette Bistro - French Vietnamese Cuisine](https://www.itswendy.com/new-destin-restaurant-baguette-bistro-french-vietnamese-cuisine/) - Vietnamese Pho soup in Destin, Florida, anyone? The new Destin restaurant, Zesty Baguette Bistro, has just that and more. Billing itself as a French-Vietnamese concept, owner Duc Tran told us that Vietnamese cuisine goes way back with the influence of French cooking. He explained that he named the restaurant "Baguette Bistro" because the first French food brought
- [Beach Day in Destin Florida - James Lee Park at the Crab Trap](https://www.itswendy.com/beach-crab-trap-destin/) - Just a few shots of the Destin Florida beach at James Lee Public Park and the Crab Trap. My husband and I go play on the sand most weekends.... There are always interesting things to see, shore birds, little creatures, gorgeous white sand, and more! Here is a list of all Destin public beach accesses.
- [Creative Investors! 4 Canal Front Lots - Homes - Need Work - Santa Rosa Beach FL](https://www.itswendy.com/canal-front-subdivision-opportunity-mack-bayou-santa-rosa-beach-florida-32459/) - Are you just itching for a new creative, potentially money-making real estate project in South Walton County? Here are two new listings in Santa Rosa Beach, Florida, on the canal, adjacent to each other, that can be an investor's dream! 10 Wild Briar Lane E. - $125,900 HANDY MAN SPECIAL 50 x 125 lot on
- [Whole Foods - First Sushi - Destin Florida](https://www.itswendy.com/whole-foods-first-sushi-destin-florida/) - I couldn't stand the excitement on Wednesday, waiting for my first opportunity to go to the grand opening of Whole Foods in Destin, Florida! Finally, after a long day of work, I headed out. The parking lot was a challenge, but I luckily found a spot. The entire town of Destin and all its visitors
- [Mack Bayou Canal Front - 10 Wild Briar E. - Handyman Special - Santa Rosa Beach Florida](https://www.itswendy.com/mack-bayou-canal-front-handyman-special-santa-rosa-beach-florida/) - Seriously? Yes! This Mack Bayou home is a "handyman special"! Inhabited as recently as last year, this 1970's circa home needs a lot of work, but we all know it's about... LOCATION!! Set on a canal with 50 feet of frontage, you can be out to Mack Bayou and Choctawhatchee Bay in moments, with
- [Grande Vista Bar & Grill - Restaurant at Emerald Grande, Destin Florida](https://www.itswendy.com/grande-vista-bar-grill-restaurant-emerald-grande-destin-florida/) - We were looking for some place different to have lunch in Destin, Florida, a little off the beaten track. Hmmmm.... I think often overlooked is the Grande Vista Bar & Grill, inside the Emerald Grande condo complex on Destin Harbor. Most people don't know it is open to the public, not just dining for guests and
- [449 Pine Lane, Mary Esther FL - 1.4 Acres - Development Opportunity for Sale](https://www.itswendy.com/449-pine-lane-mary-esther-fl-1-4-acres-development-opportunity-sale/) - 449 Pine Lane, Mary Esther, FL Get Directions Click Here Description Photos Maps & Local Schools Print Brochure $ Click for current price 2 BEDROOMS | 2 (1 full, 1 half ) BATHROOMS | 1320 SQUARE FEET Fascinating private property West of Hurlburt located on almost 1.5 acres with the potential to subdivide. This chic
- [Blue Surf Townhome #18 for Sale, Destin Florida - Across from Pompano Joe's](https://www.itswendy.com/blue-surf-townhome-18-sale-destin-florida-across-pompano-joes/) - 2312 SCENIC GULF Drive, Miramar Beach, FL Just Listed Description Photos Maps & Local Schools Print Brochure $ Click for current price2 BEDROOMS | 2 (2 full ) BATHROOMS | 1512 SQUARE FEET Follow This Home! What's Your Home Value? Destin Florida Homes for Sale Presented By: Wendy Rulnick Rulnick Realty 850-650-7883 Schedule a
- [97 Bayside Park, Miramar Beach Florida - Designer Style Home for Sale](https://www.itswendy.com/97-bayside-park-miramar-beach/) - Bursting with decorator pizazz, this Bayside subdivision home in Miramar Beach, Florida, will bring you the Florida lifestyle. Totally remodeled with new tile-wood floors, paint, hardware, lighting, blinds, and more, the spacious floor plan is relaxing on the eyes and soul. The outdoors calls with a huge patio, new pergola, an outdoor shower and of course,
- [everybody knows a little place called Kokomo](https://www.itswendy.com/6926/) - there's a place called Kokomo that's where you want to go to get away from it all... Crystal Beach - Destin, Florida lot for sale in Kokomo Kove - Sunfish Street -Lot 7 Now if you want to go and get away from it all Go down to Kokomo... Specifically Lot 7, Sunfish Street in Kokomo
- [7343 Spinnaker Ct., Navarre Beach Florida Home for Sale](https://www.itswendy.com/7343-spinnaker-ct-navarre-beach-florida-home-for-sale/) - Sunlight is spreading across the oak floors. I am drawn to the rising sun and open a window. The gulf breeze rushes in, gently swirling around. My gaze shifts to the dappling blue-green waters, like a bright painting as a back-drop to the new day. I hear the waves lapping the shore. The silhouette of a couple holding hands by
- [Lunch at Mitchell's Fish Market - Grand Boulevard Sandestin](https://www.itswendy.com/lunch-mitchells-fish-market-grand-boulevard-sandestin/) - Yesterday was time for a Sandestin lunch adventure! This time it was at Mitchell's Fish Market on Grand Boulevard! My friend, Rhonda, and I headed to Sandestin thinking we might stop at Travinia Italian Kitchen, but ended up driving around and around trying to find a parking spot. Apparently, an expansion to Grand Boulevard with construction in progress was causing all
- [Is That "Planet X" or a Drone Video of Navarre Beach?](https://www.itswendy.com/is-that-a-planet-or-a-drone-video-of-navarre-beach/) - My husband and I are astronomy buffs. You can often catch us at home in the evenings watching the Science Channel, and shows like "Through the Wormhole", "How the Universe Works" and just about anything that has to do with planets, moons, supernovas, black holes, distant galaxies and the like. When we first dated there
- [OOPS! Postage Due!](https://www.itswendy.com/oops-postage-due/) - I recently sent out a mailing to about 40 homeowners in Destin Florida. One method of securing new listings is to contact owners by mail to see if they may be interested in selling. It may sound old-school, but a variety of marketing is helpful to stand out in this overloaded age of internet.
- [Emerald Grande Luxury 4 Bedroom Condo Destin Florida - For Sale](https://www.itswendy.com/emerald-grande-luxury-4-bedroom-condo-destin-florida-for-sale/) - Stunning four bedroom Emerald Grande condo for sale on the seventh level of this Destin Florida luxury condo building. Emerald Grande? See it from the distance as you are driving or flying into town with its magnificent uniqueness. It's the masterpiece of Destin and the landmark hub of the city, situated on Destin Harbor
- [2015 Holiday Events in Destin and the Surrounding Area](https://www.itswendy.com/2015-holiday-events-in-destin/) - The holidays are rapidly approaching, and we're all looking for fun ways to celebrate with our family and friends. Below I've compiled a list of holiday events in Destin and the surrounding area. To keep up with the latest local tips, sign up for my newsletter here! DESTIN Sunday, November 15 (11:00 AM - 4:00
- [Visit 30A Artist Andy Saczynski in Grayton Beach](https://www.itswendy.com/artist-andy-saczynski/) - South Walton has been recognized as one of the most influential art communities in the southeastern United States since introducing the Artist of the Year program in 2003. In 2013, Grayton Beach artist Andy Saczynski was selected as the eleventh recipient of this prestigious award. Local residents from Pensacola to Apalachicola also voiced their appreciation
- [Ariel Dunes - 3 Bedroom Condo for Sale -  Gulf Views - Miramar Beach FL 32550](https://www.itswendy.com/ariel-dunes-3-bedroom-condo-for-sale-gulf-views-miramar-beach-fl-32550/) - Ariel Dunes #1101, Miramar Beach, FL Get Directions Click Here Description Photos Maps & Local Schools Print Brochure $ Click for current price 3 BEDROOMS | 3 (3 full ) BATHROOMS | 1588 SQUARE FEET Stunning views all around from this corner-balcony, 3 bedroom unit in Ariel Dune I. See the Gulf of Mexico, Choctawhatchee
- [20 Ways to Help Your Destin Agent Sell Your Destin Florida Home](https://www.itswendy.com/20-ways-to-help-your-destin-agent-find-a-buyer-for-your-destin-home/) - You’ve listed your Destin Florida home for sale, and turned it over to the hands of your trusted Destin real estate agent. Now what? Maybe you can help with the sale! It’s not “disallowed” to help get your own house sold. I know, you don’t want to be pushy and you are probably not a
- [Chan's "The Wine Bar" Destin Florida - Wine, Cheese and More](https://www.itswendy.com/chans-the-wine-bar-destin-florida/) - Hidden, sleek, metro. I like Chan's "The Wine Bar" in Destin, Florida. It's a restaurant inside Chan's Wine World, the mega wine and liquor store that's been around the Emerald Coast for many years. Located next to the bountiful cheese shop inside Chan's, there's a very cool restaurant that feels like a secret club. Put
- [Destin Commons Movies Date Night and "Impossible" Wait at The Craft Bar](https://www.itswendy.com/destin-commons-movies-and-impossible-wait-at-the-craft-bar/) - Friday night was "Date Night" in Destin, so my husband and I decided to go to an afternoon movie at Destin Commons then dinner. Being huge "Mission Impossible" fans, we went to the opening showing of "Mission: Impossible Rogue Nation" at the IMAX at AMC Destin Commons 14. I was thrilled after just 15 minutes,
- [Five Tips to Get Your Low Offer Accepted](https://www.itswendy.com/five-tips-to-get-your-low-offer-accepted/) - The other day I overheard a Destin Florida real estate agent writing a very low offer for her buyer client. She scratched her head and said "This will never get together!" The offer was about 15% under list price for a Destin property. In this case, the list price seemed pretty good, so the agent didn't know
- [Sacred Heart - Santa Rosa Beach Florida - Recognized as Top Hospital](https://www.itswendy.com/sacred-heart-santa-rosa-beach-florida-recognized-as-top-hospital/) - Sacred Heart Hospital in Santa Rosa Beach Florida was just acknowledged by Becker's Hospital Review as one of the top "100 Great Community Hospitals" for 2015. Specifically, Sacred Heart Hospital on the Emerald Coast was "recognized in several ways for general excellence". Sacred Heart Hospital was mentioned for its 30 million dollar expansion, as well as being on the
- [Lovely Santa Rosa Beach Florida Seller Sends Me Flowers!](https://www.itswendy.com/lovely-santa-rosa-beach-florida-seller-sends-me-flowers/) - Thank you to my Santa Rosa Beach Florida sellers for the lovely gift of flowers! Their Plantation at Santa Rosa, Santa Rosa Beach Florida home is closing next week. I've set this bromeliad on the counter of my Rulnick Realty office and it really brightens it up. Stop by and say "Hello"! Are you interesting
- [Your House is for Sale? Are You Ready for Showings?](https://www.itswendy.com/youre-house-is-for-sale-are-you-ready-for-showings/) - You've signed your listing agreement! Your house is cleaned! You followed the list of instructions to get your home ready for photography. The pictures are taken. The "For Sale" sign is in the front yard! Now what? You sit and wait for showings. Here are some quick hints that might help prepare you for what
- [Pricing Trends - Seller Valuations vs. Market Value](https://www.itswendy.com/pricing-trends-seller-valuations-vs-market-value/) - With a market increasingly turning into a seller's market along the Emerald Coast, a new pricing trend is emerging. Sellers are overvaluing their properties. This is not just a local phenomenon. According to a recent study quoted in a Seattle Times article "Owners Tend to Overvalue Homes", the home value in someone's mind is usually 8%
- [Building Lot West of Hurlburt - Mary Esther FL - Almost Half-Acre](https://www.itswendy.com/building-lot-west-of-hurlburt-mary-esther-fl-almost-half-acre/) - Large building lot West of Hurlburt Field at 5 Flamenco Street, Mary Esther Florida. This almost half-acre cul-de-sac parcel is wide and flat with a buffer of county owned land behind it for more privacy for your new home. Attention builders! This lot can potentially be subdivided for two homes. It's also zoned for multi-family use, including
- [Villa di Mare Penthouse Waterfront Condo - Boatslip - Fort Walton Beach FL](https://www.itswendy.com/villa-di-mare-penthouse-waterfront-condo-boatslip-fort-walton-beach-fl/) - See yourself in the penthouse Villa di Mare condominium, 240 SE Brooks St., Unit E401, in Fort Walton Beach Florida near the Brooks Bridge with boat slip. Soak in the stunning water views of the Choctawhatchee Bay. Boat out to Crab Island or the Gulf of Mexico from your 16 x 40 boat slip on the private
- [Bank of America DOJ Settlement - Avoid Short Sale - Foreclosure - Crestview FL](https://www.itswendy.com/bank-of-america-doj-settlement-avoid-short-sale-foreclosure-crestview-fl/) - If you have a Bank of America mortgage and are facing foreclosure, part of your principle may be forgiven if you qualify for the Bank of America - Department of Justice Settlement. This settlement was negotiated between Bank of America and DOJ to make reparation for past lending practices, primarily for prior Countrywide and Merrill Lynch mortgages. Certain Florida homeowners will qualify for
- [102 Eagle Ct., Crestview Florida VA Compromise Sale](https://www.itswendy.com/102-eagle-ct-crestview-florida-va-compromise-sale/) - This Crestview Florida VA Compromise Sale home is modern and eclectic. You won’t find another property like this in the Crestview area. There are pine ceilings, hardwood floors and an old Chicago brick walkway inside the home that is quite unique. Note the granite counters, huge center isle kitchen with glass-front cabinets, dramatic wall-mounted vent
- [Keep Your Identity Private from MLS in 30-A Santa Rosa Beach Florida](https://www.itswendy.com/keep-your-identity-private-from-mls-in-30-a-santa-rosa-beach-florida/) - Are you listing your 30-A, Santa Rosa Beach Florida home for sale and want to keep your identity private? Do you have security concerns or are otherwise high profile, and you must to keep your name confidential during your 30-A home sale? Privacy is important to many athletes, actors, politicians, attorneys, physicians, judges, law enforcement, U.S. and foreign diplomats and State
- [Your Destin Florida Condo Under Appraised? Now What?](https://www.itswendy.com/your-destin-florida-condo-under-appraised-now-what/) - I recently had a Destin Florida condo listing "under appraise". What does that mean? The buyer applied for a mortgage, and his mortgage lender ordered an appraisal. The appraised value was less than the purchase price. Oh no. An appraisal is an opinion of value using comparable properties making adjustments for differences such as square
- [Lot 4 Chivas Lane, 30-A Beach View Lot, Santa Rosa Beach Florida](https://www.itswendy.com/lot-4-chivas-lane-30-a-beach-view-lot-santa-rosa-beach-florida/) - 30-A Gulf view half-acre lot for sale in South Walton, Santa Rosa Beach Florida! Lot 4 Chivas Lane, in Walkover Dunes, is across the street from the white sandy beach of the Gulf of Mexico near Watersound and Rosemary Beach. There is an unobstructed Gulf view, private beach walkover and no association fees. This 30-A gulf view Lot
- [Sandprints A10, Miramar Beach FL - Sold in 15 Days!](https://www.itswendy.com/sandprint-a10-miramar-beach-fl-sold-in-15-days/) - Sandprints Condos in Miramar Beach Florida, just near Destin, are affordable and only a five minute walk to the beach, public boardwalk and Pompano Joe's restaurant! This two bedroom, two bath Sandprints condo was sold in just 15 days! It is a spacious two story unit on the second floor of building A, that overlooks the pool.
- [7343 Spinnaker Cr., Navarre Beach, Navarre Florida 32566](https://www.itswendy.com/7343-spinnaker-cr-navarre-beach-navarre-florida-32566/) - Spectacular Navarre Beach Florida 32566 home with panoramic water views. Every window offers a different vista of the Gulf of Mexico or Santa Rosa Sound. Live next to miles of beach of the National Seashore, a coastal treasure. Anchor your sail boat in free water in the intracoastal waters. Gorgeous custom designed home is the
- [Happy New Year!](https://www.itswendy.com/happy-new-year/) - Happy New Year's Eve to all! It's a slow afternoon in my office at Rulnick Realty in Destin Florida. I can feel the "lull" before New Year's! Everyone is itching to celebrate and leave work a bit early. You can see the build-up of cars on Highway 98 and tell that family and tourists
- [Pointe of View, Miramar Beach FL Short Sale Sold](https://www.itswendy.com/pointe-of-view-miramar-beach-fl-short-sale-sold/) - Pointe of View unit 634 in Miramar Beach Florida just sold. This property at 200 Sandestin Lane was a one bedroom unit on the third floor. The Pointe of View complex has a pool, and is minutes away from shopping at Baytown Wharf and Destin Commons, Sandestin Resort, the beaches of the Gulf of Mexico and Sacred Heart
- [4551 Barrington La., Bluewater Bay, Niceville FL 32578](https://www.itswendy.com/4551-barrington-la-bluewater-bay-niceville-fl-32578/) - Delightful Bungalows home in Bluewater Bay near Parkwood Estates located at end of cul-de-sac. This Niceville Florida home, a short commute to Eglin Air Force Base, has been completely remodeled and upgraded. Gorgeous refinished wood floors in the open living room punctuated by columns separating the dining area. Kitchen has breakfast bar, new hardware, updated
- [Eglin AFB VA Compromise Sale - Cash Back](https://www.itswendy.com/eglin-afb-va-compromise-sale-cash-back/) - Are you an Eglin AFB service member who has PCS orders, and your current home is upside down in its mortgage value? If so, and you have a VA mortgage loan, you could be eligible for a $1500 relocation credit from the Veterans Administration after selling with a VA Compromise Sale. What exactly is a VA
- [Gold's Gym Destin Florida - My Favorite Workout Place](https://www.itswendy.com/golds-gym-destin-florida-my-favorite-workout-place/) - Where's my favorite place to go after finishing my day at Rulnick Realty? Gold's Gym in Destin Florida! I've been going there since they opened, more than 15 years ago, and am what you call a "lifer"! What do I love the most about this gym, located at 12200 Emerald Coast Pkwy.? Everything! It's only five
- [Whole Foods in Destin Florida!](https://www.itswendy.com/whole-foods-in-destin-florida/) - Well, it seems like Destin Florida is finally really getting on the "map"! I was excited to read the news about a Whole Foods coming to Destin! The closest Whole Foods are in New Orleans, Birmingham and Tallahassee... and soon, in Destin Florida! The store will be located on Highway 98 off Destin Commons next to Rooms
- [101 Hidden Lakes Dr., Miramar Beach FL - Under Contract in 10 Days!](https://www.itswendy.com/101-hidden-lakes-dr-miramar-beach-fl-under-contract-in-10-days/) - Before I could write my "Just Listed" blog, this home at 101 Hidden Lakes Dr., Miramar Beach Florida, went under contract! Listed only 10 days, it had multiple offers. Why did it sell so fast? This house had impeccable care, was in the lovely Olde Florida Lakes neighborhood, and was set on a little lake to
- [811 Overbrook Dr., Fort Walton Beach FL Short Sale Approved](https://www.itswendy.com/811-overbrook-dr-fort-walton-beach-fl-short-sale-approved/) - This short sale at 811 Overbrook Dr., Fort Walton Beach Florida was just approved! Here are the details: Senior Lien (first mortgage): PNC Balance: $120,000 appr Junior Lien (second mortgage): Bank of America Balance: $90,000 appr Market Value: $190,000 app This short sale was only "short" to the junior lien, Bank of America. What
- [3744 Lexa Court, Gulf Breeze FL - VA Compromise Sale Approved](https://www.itswendy.com/3744-lexa-court-gulf-breeze-fl-va-compromise-sale-approved/) - This VA Compromise Sale in Gulf Breeze Florida was just approved. Here are the details for this VA short sale at 3744 Lexa Ct. in Victorian Village: Senior Lien (mortgage): Citi Balance: $166,000 appr. Junior Lien (mortgage): Citi Balance: $2000 Market Value: $169,000 appr. Time for Approval: 60 days This was a CitiMortgage VA Compromise Sale
- [4818 Young Rd., Crestview FL - VA Compromise Sale Approved](https://www.itswendy.com/4818-young-rd-crestview-fl-va-compromise-sale-approved/) - This VA Compromise Sale in Coronado Village, Crestview Florida, was just approved. Here are the details of this short sale at 4818 Young Rd.: Senior Lien (Mortgage): Citi Balance: $148,000 appr. Junior Lien: none Market Value: $89,000 appr. Time for Approval: 7 weeks This Crestview VA Compromise Sale with Citi Mortgage went very smoothly! One
- [3293 Pitcher Plant Ci., Pensacola FL VA Compromise Sale Approved](https://www.itswendy.com/3293-pitcher-plant-ci-pensacola-fl-va-compromise-sale-approved/) - This Pensacola Florida VA Compromise Sale at 3293 Pitcher Plant Ci. was just approved. The short sale lender was Chase and the process was lengthy. Here are the details: Senior Lien: Chase Original Mortgage Balance: $262,000 approximately Loan Type: VA (Veterans Administration) Junior Lien: none Market Value: $180,000 approximately Time for approval: 120 days This Pensacola Florida
- [Capital Gains in Real Estate](https://www.itswendy.com/capital-gains-in-real-estate/) - UNDERSTANDING CAPITAL GAINS IN REAL ESTATE When you sell a stock, you owe taxes on your gain — the difference between what you paid for the stock and what you sold it for. The same holds true when selling a home (or a second home), but there are some special considerations. How to Calculate Gain on the
- [39 Sea Myrtle, Santa Rosa Beach FL VA Compromise Sale](https://www.itswendy.com/39-sea-myrtle-santa-rosa-beach-fl-va-compromise-sale/) - Beautiful VA Compromise short sale home for sale in Plantation at Santa Rosa at 39 Sea Myrtle Dr. in Santa Rosa Beach Florida. This home is on a premium lot by lovely woods at the end of a cul-de-sac. The inside feels spacious with an oversized, open living room. The kitchen has granite counters and
- [Green Tree, USAA Approve Crestview FL - Eglin PCS Short Sale - Beaver Creek](https://www.itswendy.com/green-tree-usaa-approve-crestview-fl-eglin-pcs-short-sale-beaver-creek/) - This Green Tree and USAA short sale in the Beaver Creek subdivision, Crestview Florida, has been approved for short sale and closed today. The home at 127 Mill Pond Cove, had a senior lien serviced by Green Tree and was a Fannie Mae loan. The junior lien was USAA. In this case, Permament Change of Station (PCS) orders from
- [Crestview Florida VA Compromise Sale Approved in Redstone](https://www.itswendy.com/crestview-florida-va-compromise-sale-approved-in-redstone/) - Another VA Compromise Sale was just approved in Crestview Florida! This house at 219 Limestone Ci. in the Redstone subdivision in Crestview, had a VA backed mortgage that was less than the market value. In this case, the Veterans Administration will often work with the military or retired military borrower and their mortgage lender, in this case,
- [3 Keys to Getting Real Estate Sold in Destin Florida](https://www.itswendy.com/3-keys-real-estate-sold-destin-fl/) - There are three key factors to getting real estate sold in Destin Florida, and believe it or not, they are not “location, location, location”. They are, however, pretty simple. It doesn’t matter if the property is in perfect condition or needs work, or where the property is located, or how old it is. The factors
- [For Sale By Owners - 4 Tips to Property Disclosure in Florida](https://www.itswendy.com/for-sale-by-owners-4-tips-to-property-disclosure-in-florida/) - Should you disclose problems you know about your Destin Florida "For Sale By Owner" home to a potential buyer? What if it’s something simple, like a faucet that leaks or an outlet that doesn’t work? The answer is “YES”, you must disclose, and as follows: From the Florida Supreme Court case Johnson vs. Davis: “….where
- [4658 Sunsail Cr., Destin Florida - Walk to Beach](https://www.itswendy.com/4658-sunsail-cr-destin-florida-walk-to-beach/) - Sunsail is one of the best beach neighborhoods in Destin Florida, south of 98. Walk to beach only a few blocks away! This four bedroom Sunsail home at 4658 Sunsail Circle shines with its open floor plan, Pergo wood laminate floors and bright tile throughout. The light kitchen has a long, angled breakfast bar plus
- [Just Listed Hadleigh Hills VA Compromise Sale - Navarre Florida 32566](https://www.itswendy.com/just-listed-hadleigh-hills-va-compromise-sale-navarre-florida-32566/) - This Navarre Florida VA Compromise Sale was just listed in the Hadleigh Hills townhouse subdivision. Hadleigh Hills # 2132 is a short commute to Hurlburt Field and Eglin Air Force Base. The lovely, white sand beaches of the Gulf of Mexico are also nearby. This townhome has two bedrooms and three full baths, plus an expanded living
- [Just Sold - Sandpiper Cove #8111 Holiday Isle Condo - Destin Florida 32541](https://www.itswendy.com/just-sold-sandpiper-cove-8111-holiday-isle-condo-destin-florida-32541/) - This Sandpiper Cove #8111 condo just sold in Destin Florida on Holiday Isle. It was a first studio unit of 470 square feet, overlooking the pool. The front location put this unit within quick walking distance to the dazzling white beach on the Gulf of Mexico. Sandpiper Cove has a lovely, on-site restaurant called Louisiana Lagniappe at the Sandpiper Cove Yacht
- [Destin For Sale By Owner Tip: How to Pre-Qualify Your Buyer](https://www.itswendy.com/destin-for-sale-by-owner-tip-how-to-pre-qualify-your-buyer/) - If you are trying to sell your Destin Florida area real estate as a "For Sale by Owner", what steps can you take to pre-qualify your buyer? We all get pretty excited when a buyer calls on a house or condo we are trying to sell. Let's say you put your “home for sale” ad
- [6 Tips for Showing Your “For Sale By Owner” Home in Destin Florida](https://www.itswendy.com/6-tips-for-showing-your-for-sale-by-owner-home-in-destin-florida/) - If you are selling your Destin Florida home yourself, what should you do during a showing? When you are selling “For Sale By Owner” you would typically be present for a showing, but if you were actually listed for sale with a Realtor, it would be recommended and better if the seller were not present. Why
- [Rosemary Beach Florida Lunch Adventure](https://www.itswendy.com/rosemary-beach-florida-lunch-adventure/) - This was a Rosemary Beach adventure gone partly awry. I decided to have lunch with my friend Rhonda, who is also one of my agents at Rulnick Realty, and take a short drive to Rosemary Beach. It had been awhile, so we thought it would be fun to meander down Scenic Highway 30A. Ooops. We were wrong.
- [Emails - Do You Respond or Not?](https://www.itswendy.com/emails-do-you-respond-or-not/) - I've found an interesting trend in email etiquette. Some of my real estate customers read my emails, but don't respond. I found this out quite by accident. Our new Emerald Coast Association of Realtors MLS system sends me a notice when someone opens a link that I email them. I imagine this is a default
- [I Want to List With a Large Real Estate Company in Destin Florida](https://www.itswendy.com/i-want-to-list-with-a-large-real-estate-company-in-destin-florida/) - I got an email today from a potential client who was interviewing agents for a condo listing in Destin Florida. He had originally contacted me because of my online presence and reputation. He was one of the partners in a group who want to sell a gulf front condo. I sent my typical list of
- [Burnt Pine Bay Front Homes Market Report, Sandestin FL 32550](https://www.itswendy.com/burnt-pine-bay-front-homes-market-report-sandestin-fl-32550/) - How are Burnt Pine, Sandestin Florida 32550 bay front home sales so far in 2014? Here is a snapshot of the market for Burnt Pines and Pine Valley in Miramar Beach Florida. Search all Burnt Pines homes for sale. Bay Front Sold Year-to-date Burnt Pine: 3010 Bay Villa Drive, Miramar Beach FL This Burnt
- [Advice for New Real Estate Agents in Destin Florida](https://www.itswendy.com/advice-for-new-real-estate-agents-in-destin-florida/) - I recently got an email from a past Destin Florida real estate client who just got her real estate license. She asked me for a few pointers to get started in the real estate business. Here is my response: Good for you! Pointers: 1. Individuate YOURSELF (is that a word?) Don't rely on your real
- [Kelly Plantation, Destin Florida Lot Sales YTD 2014](https://www.itswendy.com/kelly-plantation-destin-florida-lot-sales-ytd-2014/) - What Kelly Plantation, Destin Florida lots have sold so far in 2014? Have any Kelly Plantation bayou, Choctawhatchee bay front or lake front lots sold? Let's take a look! Lot 5 Stonebridge, on the Fred Couple Kelly Plantation golf course, sold for $210,000. It has a lake view. 4383 Old Bayou Trail sold for $132,500.
- [Hiring Destin Florida Listing Agent - Listening is Key](https://www.itswendy.com/hiring-destin-florida-listing-agent-listening-is-key/) - "She didn't listen." This was one of the real estate buyer and seller responses in a Florida Realtor "Hear it Direct" focus group asking why sellers and buyers move on to other real estate agents. I wasn't surprised by that comment. Some of the other notable remarks were: "Facebook ads fall under the whole sketchy thing. Facebook
- [Regatta Bay Waterfront Bay and Bayou Homes Destin FL](https://www.itswendy.com/regatta-bay-waterfront-bay-and-bayou-homes-destin-fl/) - Regatta Bay waterfront bay and bayou front homes in Destin Florida are in the section of the Regatta Bay called Commodore Point. The streets on the Choctawhatchee Bay are Admiral Court, Captain's Circle, Fairwind Ct. and Landfall Ct. Some homes on Fairwind Ct. and Captain's Circle are also on Regatta Bayou. Search all Regatta Bay Destin Florida homes for
- [201 Matties Way, Kelly Plantation, Destin FL - Just Sold](https://www.itswendy.com/201-matties-way-kelly-plantation-destin-fl-just-sold/) - This lovely home at 201 Matties Way, Kelly Plantation, Destin, Florida just sold! The contract date was June 4, and the property closed on June 20, 2014, just two weeks later. There were multiple offers after the price was reduced from $639,000 to $599,900. The selling price was $603,000. What should you do if you have
- [Burnt Pine, Sandestin FL - Home Sales Stats June 2014](https://www.itswendy.com/burnt-pine-sandestin-fl-home-sales-stats-june-2014/) - What homes are homes selling for in Burnt Pine, Sandestin FL, specifically average prices for home sales? Wendy Rulnick, listing broker, provides you a search for homes for sale in Burnt Pine, Sandestin, Miramar Beach Florida. You can also obtain a free market analysis of your Burnt Pine Sandestin FL home. Active Listings in Burnt Pine, Sandestin in Miramar Beach, Florida Burnt
- [Kelly Plantation, Destin Florida Real Estate Market Trends](https://www.itswendy.com/kelly-plantation-destin-florida-real-estate-market-trends/) - Do you need to know about the Kelly Plantation, Destin Florida real estate market? See the statistics below to help you understand what new listings and sales are happening in Kelly Plantation. There is currently a 13 month inventory of homes. That means it would take 13 months to sell all the Kelly Plantation homes
- [Kelly Plantation, Destin Florida Listing Broker - Free Market Analysis](https://www.itswendy.com/kelly-plantation-destin-florida-listing-broker-free-market-analysis/) - What homes are homes selling for in Kelly Plantation, Destin Florida? Wendy Rulnick, listing broker, provides you a search for homes for sale in Kelly Plantation. You can also obtain a free market analysis of your Kelly Plantation home. Location of Kelly Plantation in Destin Florida Kelly Plantation is located near some of the best shopping on the
- [201 Matties Way, Kelly Plantation, Destin Florida - Under Contract](https://www.itswendy.com/201-matties-way-kelly-plantation-destin-florida-under-contract/) - This home at 221 Matties Way, Kelly Plantation in Destin Florida is under contract in less than 90 days. The final list price was $599,900, which spurred on a bidding war. The home is scheduled to close by the end of June. What causes a home to have multiple offers? In this, case the Kelly
- [Formosan Termites Swarming Bluewater Bay Florida](https://www.itswendy.com/formosan-termites-swarming-bluewater-bay-florida/) - Ick! Ick! Formosan termites at my Bluewater Bay, Florida home! This is a hard post for me to write. Why? Because I don't like bugs. I also won't be able to look at the photo of the Formosan termite once I upload it. What happened? Friday night I did something dumb. I finished cooking on
- [Burnt Pine Sandestin Home Sales Analysis April 2014](https://www.itswendy.com/burnt-pine-sandestin-home-sales-analysis-april-2014/) - How is the market for selling homes in the Burnt Pine subdivision of Sandestin, Miramar Beach Florida? Here is the market summary for the March and April 2014. Burnt Pine, Sandestin Florida - Homes Listed for Sale There are 26 homes for sale in Burnt Pine and 27 building lots for sale. The homes are listed
- [Selling Your Burnt Pine, Sandestin FL Home For Sale By Owner?](https://www.itswendy.com/selling-your-burnt-pine-sandestin-fl-home-for-sale-by-owner/) - Are you looking for basic advice on getting your Burnt Pine, Sandestin Florida home sold as a "For Sale By Owner?" Here are some tips that will get you started! 1. Hire a Professional Photography for your Burnt Pine real estate - In the world of the internet, it pays to have good photos of your property online. That's
- [Do You Need Destin Florida Short Sale Help?](https://www.itswendy.com/do-you-need-destin-florida-short-sale-help/) - I got a call from a fellow Destin Florida real estate agent who asked for advice on one of her short sales. She said her Destin real estate seller had read my blog posts about my experience successfully negotiating short sales and maybe I could help. Was I bothered? Of course not! I am always
- [Everyone is a "Customer"](https://www.itswendy.com/who-are-our-customers/) - Today I was conducting an interview for a new administrative position at my Destin Florida real estate company. During the interview, the prospective candidate mentioned that she would be sure to treat all potential customers, meaning buyers and sellers, with politeness and understanding on the telephone. That made me pause and state, "Our customers are more than buyers
- [3929 Balsam Dr., Cedar Ridge, Niceville FL Sold in One Day](https://www.itswendy.com/3929-balsam-dr-cedar-ridge-niceville-fl-home-for-sale/) - 3929 Balsam Dr., in Cedar Ridge, Niceville Florida is a beautiful home convenient to Eglin Air Force Base just SOLD in ONE DAY over asking price with multiple offers! It's larger than many in the neighborhood due to the large loft over the living room for work, play or family space. The living room has a
- [776 Overbrook Dr., Fort Walton Beach FL - VA Compromise Sale - Sold in 1 Day](https://www.itswendy.com/776-overbrook-dr-fort-walton-beach-fl-va-compromise-sale-sold-in-1-day/) - This Fort Walton Beach Florida VA Compromise Sale home just went under contract after one day on the market. Located in the Overbrook subdivision at 776 Overbrook, it attracted multiple offers due to competitive pricing. Some of the features of this home included striking ceiling heights, wood laminate floors, generous kitchen and Florida room. The
- [201 Matties Way, Kelly Plantation, Destin FL 32541](https://www.itswendy.com/201-matties-way-kelly-plantation-destin-fl-32541/) - Stately home in Kelly Plantation, Destin Florida is designed to take advantage of your outdoor lifestyle. Walk in and smile as you immediately see straight back -lavish covered pool and spa, fantastic huge patio, total privacy of trees in the nature preserve behind your home. Elegant and refined, this home features an open and
- [Lot 17  Cypress Breeze, Santa Rosa Beach Florida - Building Lot](https://www.itswendy.com/lot-17-cypress-breeze-santa-rosa-beach-florida-building-lot/) - Imagine your new Santa Rosa Beach Florida home on this beautiful short sale building lot in Cypress Breeze - tap fees already paid! Lot 17, Cypress Breeze Dr. is in an excellent location off 30-A near Gulf Place shopping and dining, and the public beach access. Enchanting neighborhood is highlighted by the great tiki-inspired
- [Grand Lagoon Cv #41, Panama City Beach FL Short Sale](https://www.itswendy.com/grand-lagoon-cv-41-panama-city-beach-fl-short-sale/) - Grand Lagoon Cove short sale condo for sale. Located on the lagoon and near the beach in Panama City Beach Florida, unit #41 has great views! This second floor condo in Grand Lagoon Cove needs work, but is in an excellent location in the waterfront condo complex. From your unit, you can see the gorgeous restful
- [Waterfront Homes on Canal, Santa Rosa Beach Florida 32459](https://www.itswendy.com/waterfront-homes-on-canal-santa-rosa-beach-florida-32459/) - Great opportunity for a waterfront compound off Mack Bayou Rd. in Santa Rosa Beach, Florida. 28 E. Wild Briar consists of two homes that need updating, remodeling and a happy, creative owner that can make this a dream complex. Built on three lots with 150 feet on the water, the canal will take you right out
- [One-Half Acre Building Lot, Sunsail - Destin Florida - By Beach](https://www.itswendy.com/one-half-acre-building-lot-sunsail-destin-florida-by-beach/) - Where else can you find a half-acre building lot in Destin Florida on the south side of U.S. Hwy 98? Build your new home on this private Sunsail lot on Windstarr Drive that backs up to Destiny. Located near Crystal Beach, walk to the Gulf of Mexico in about 10-15 minutes. Great location - 5
- [Another Crestview FL VA Compromise Sale Approved](https://www.itswendy.com/another-crestview-fl-va-compromise-sale-approved/) - Another Crestview, Florida VA Compromise Sale approved! This home at 3009 Cabela Lane, Crestview FL 32539 had a speedy approval process - the second time. The first time, the buyer walked. Here are the details! Mortgage Holder: Freedom Mortgage Balance: $170,000 appr Current Market Value: $110,000 Time for Short Sale Approval: 4 days With a
- [Watercolor, Santa Rosa Beach FL Homes Sales December 2013](https://www.itswendy.com/watercolor-santa-rosa-beach-fl-homes-sales-december-2013/) - Watercolor, Santa Rosa Beach Florida - Marketing Report December 2013 HOMES FOR SALE in the WATERCOLOR SUBDIVISION, Santa Rosa Beach Florida There are 68 homes for sale in the subdivision of Watercolor. Of these 68 homes, there are two short sales in pre-foreclosure at 422 Pine Needle Way, listed at $1,035,000, and 18 Crossvine Circle,
- [Destiny - Destin Florida Homes Sales December 2013](https://www.itswendy.com/destiny-destin-florida-homes-sales-december-2013/) - DESTINY subdivision, Destin Florida 32541 - Marketing Report December 2013 HOMES FOR SALE in the Destiny Subdivision, Destin Florida There are 37 homes for sale in the subdivision of Destiny. Of these 37 homes, there is one short sales in pre-foreclosure at 4752 Bonaire Cay Street, listed at $439,000. There are currently no homes in
- [Sandpiper Cove Studio Condo #8111, Destin FL - Short Sale](https://www.itswendy.com/sandpiper-cove-studio-condo-8111-destin-fl-short-sale/) - Lovely Sandpiper Cove Destin Florida studio short sale condo #8111 overlooking pool toward the front end of the complex. Easy walk to the private Gulf of Mexico beach access. This first floor unit is fully furnished. Murphy bed makes the floor plan very convenient. Large front porch and a rear deck overlooking one of the five
- [24 Acres to Develop, DeFuniak Springs FL 32433](https://www.itswendy.com/acreage-to-develop-defuniak-springs-fl-32433/) - 24 acres rectangular development land on Highway 331, DeFuniak Springs, Florida. Zoning is UR - Urban Residential. Potential for commercial and residential up to four units per acre. This offering is a package of three contiguous lots that may also be purchased separately: two lots of 5.16 acres each - Hwy 331 Parcels A and
- [Lake Holley Waterfront Lots DeFuniak Springs, Florida](https://www.itswendy.com/lake-holley-waterfront-lots-defuniak-springs-florida/) - Lake Holley is a magnificent fishing lake on a restful, wooded setting in DeFuniak Springs, Florida, north of Hwy 90 and off Hwy 331.. Four lake front lots for sale with up to 224 feet on the lake. This long paved street, Lake Holley Circle, has many lovely houses. Minimum home size is 1200
- [Lot 31, Pisces Dr., Santa Rosa Beach FL - Waterfront Lot](https://www.itswendy.com/lot-31-pisces-dr-santa-rosa-beach-fl-waterfront-lot/) - This canal front lot #31 on Pisces Drive, Santa Rosa Beach Florida is in the beautiful, quiet neighborhood of Bay Pine Shores. Deep lot, approximately 90 x 401 x 90 x 448 on canal leading to the Choctawhatchee Bay with restful foliage and grasses. This is the perfect setting for your new home. Bring your boat
- [Lot 28 Pisces Dr. Santa Rosa Beach FL - Canal to Bay](https://www.itswendy.com/building-lot-28-pisces-dr-santa-rosa-beach-fl/) - Santa Rosa Beach building lot for sale off Chat Holley Rd.. Bay Pine Shores is a beautiful, hidden waterfront neighborhood in north Santa Rosa Beach Florida. This building lot # 28 on Pisces Drive has potential bay views and access. The surrounding homes are lovely, both bay and canal front. The minimum size for a
- [Watercolor Florida Home Sales November 2013](https://www.itswendy.com/watercolor-florida-home-sales-november-2013/) - Watercolor, Santa Rosa Beach Florida - Marketing Report November 2013 HOMES FOR SALE in the WATERCOLOR SUBDIVISION, Santa Rosa Beach Florida There are 68 homes for sale in the subdivision of Watercolor. Of these 68 homes, there is one short sale in pre-foreclosure at 422 Pine Needle Way, listed at $1,035,000. There are currently no
- [Destiny – Destin Florida Homes Sales November 2013](https://www.itswendy.com/destiny-destin-florida-homes-sales-november-2013/) - DESTINY subdivision, Destin Florida 32541 - Marketing Report November 2013 HOMES FOR SALE in the Destiny Subdivision, Destin Florida There are 37 homes for sale in the subdivision of Destiny. Of these 37 homes, there is one short sales in pre-foreclosure at 4752 Bonaire Cay Street, listed at $439,000. There are currently no homes in
- [Sunsail, Destin FL - Bank of America Short Sale Approved](https://www.itswendy.com/sunsail-destin-fl-bank-of-america-short-sale-approved/) - This home at 4684 Windstarr Dr., Sunsail, Destin Florida was approved for a Bank of America cooperative short sale (COOP short sale). This Bank of America short sale program is for borrowers who don't qualify for the Home Affordable Foreclosure Alternatives Program (HAFA) or other short sale programs, such as VA Compromise Sale and FHA
- [Shores of Panama City Beach FL, Seterus - Suntrust Short Sale](https://www.itswendy.com/shores-of-panama-city-beach-fl-seterus-suntrust-short-sale/) - Gorgeous gulf-front, Shores of Panama condo in Panama City Beach, Florida, is a Suntrust and Seterus short sale. A great investment that grosses about $19,000 a year or your beach get-a-way. Lovingly decorated in jewel tones. Features open living room - kitchen, bunkroom, sumptuous master bedroom. Dive in the huge gulf-front pool or hot tub,
- [Quail Run, Destin FL -  Bank of America Short Sale Approved](https://www.itswendy.com/quail-run-destin-fl-bank-of-america-short-sale-approved/) - This Destin Florida VA Compromise short sale at 1014 Airport Rd., in the Quail Run subdivision, was approved in just six and half weeks. Here are the details of the short sale approval: Mortgage: Bank of America Mortgage Balance: $177,000 Market Value: $137,000 Notes: Bank of America does not process VA Compromise Sales through
- [2813 Winners Ci., Pro Am Estates, Navarre FL - Short Sale](https://www.itswendy.com/2813-winners-ci-pro-am-estates-navarre-fl-short-sale/) - 2813 Winnes Circle is a spacious Pro Am Estates home for sale in Navarre Florida. This Navarre short sale home has an appealing floor plan and architectural features! The living room is cathedralled with a corner fireplace. Kitchen is light with plenty of counter space and an adjacent laundry room. The master bedroom is oversized with
- [Major FHA HUD Pre Foreclosure Short Sale Changes](https://www.itswendy.com/major-fha-hud-pre-foreclosure-short-sale-changes/) - Do you have an FHA HUD mortgage and live on the Emerald Coast of Florida? If you do and have problems making your payments, HUD has new short sale program changes that might help you. Here is a summary: There are now two options for a HUD Pre Foreclosure Sale (PFS), which is a HUD
- [VA Finally Changed the VA Compromise Sale Net Calculation](https://www.itswendy.com/va-finally-changed-the-va-compromise-sale-net-calculation/) - They finally did it! After years of the VA Compromise Sale net requirement being 88.13% of the VA liquidation appraisal value, it has been reduced! It is now 85.05%. The VA Circular 16-13-15, "New Percentage to Determine Net Value" made the change effective October 8, 2013. What does this really mean? If your VA Compromise
- [Just Sold - 221 Matties Way, Kelly Plantation, In COBRA - Flood Zone](https://www.itswendy.com/just-sold-221-matties-way-kelly-plantation-in-cobra-flood-zone/) - This home for sale at 221 Matties Way, Kelly Plantation in Destin Florida just sold. It presented marketing challenges that many agents and buyers are unfamiliar with. First, Kelly Plantation is located in a COBRA zone. Second, this property was also in an AE flood zone. Let's review the challenges of selling Kelly Plantation homes
- [Gulfview Heights, Vicki St. Lot 13, 30A, Santa Rosa Beach FL Lot of Sale](https://www.itswendy.com/gulfview-heights-vicki-st-lot-13-30a-santa-rosa-beach-fl-lot-of-sale/) - What a charming 30-A lot toward the end of Vicki Street in Gulfview Heights, Santa Rosa Beach, Florida . This parcel is deeply wooded and generously sized compared to many lots south of 30-A. The size is approximately 74 x 103. This is your piece of heaven - near public beach access and great restaurants
- [Destiny - Destin Florida Homes Sales, Listed, Sold October 2013](https://www.itswendy.com/destiny-destin-florida-homes-sales-listed-sold-october-2013/) - DESTINY subdivision, Destin Florida 32541 - Marketing Report October 2013 HOME FOR SALE in the Destiny Subdivision, Destin Florida There were 8 homes for sale in the subdivision of Destiny in October. Of these 8 homes, there is one short sale in pre-foreclosure at 4631 Sunset Pointe. It is listed at $394,900. There are 2
- [64 Mandevilla, Bayside, Miramar Beach FL - 32550](https://www.itswendy.com/64-mandevilla-bayside-miramar-beach-fl-32550/) - 64 Mandevilla Lane, Miramar Beach Florida is a delightful home in Bayside! Cathedralled living room, pass through to kitchen, granite kitchen counters, expanded kitchen storage and deep upgraded sink. One bedroom is tiled for use as alternate office or dining. Driveway has newly pavered extra parking. Attic plywooded. Wonderful subdivision with Bayfront Beach Park and
- [Watercolor Florida Home Sales October 2013](https://www.itswendy.com/watercolor-florida-home-sales-october-2013/) - Watercolor, Santa Rosa Beach Florida - Marketing Report October 2013 ACTIVE LISTINGS in WATERCOLOR There were 64 homes for sale in the subdivision of Watercolor in October. Of these 64 homes, there is one short sale in pre-foreclosure at 422 Pine Needle Way. It is listed at $1,035,000. There are 11 homes that are new
- [Green Tree Approves Victoria Gardens, Fort Walton Beach FL Short Sale](https://www.itswendy.com/green-tree-approves-victoria-gardens-fort-walton-beach-fl-short-sale/) - This home at 334 Victoria Ave., Fort Walton Beach, Florida was approved for short sale and just closed. Here are the details: Senior Lien: Green Tree Servicing Senior Lien balance: $156,000 Junior Lien: Green Tree Servicing Junior Lien balance: $40,000 Current Value: $135,000 Hardship: Military PCS (Permanent Change of Station from Eglin Air Force
- [Crestview FL Nationstar - Bank of America - HAFA Short Sale Approved](https://www.itswendy.com/crestview-fl-nationstar-bank-of-america-hafa-short-sale-approved/) - This Pinnacle Point short sale in Crestview Florida was just approved by Nationstar Mortgage and Bank of America with the HAFA program. Here are the details: Senior Mortgage: Nationstar (was service released by Bank of America) Balance: $161,000 appr Junior Mortgage: Bank of America Balance: $38,000 appr Current Property Value: $130,000 appr This HAFA short
- [Pointe of View, 200 Sandestin Ln, Miramar Beach FL Condo](https://www.itswendy.com/pointe-of-view-200-sandestin-ln-miramar-beach-fl-condo/) - One bedroom Pointe of View condo near Sandestin Florida, 200 Sandestin Lane #634. Ideal rental or your vacation place in Miramar Beach, Florida. Currently rented for $690 a month. On-site pool, gym, laundry. Minutes to Grand Boulevard, Baytowne Wharf, Silver Sands, the beaches of Destin and South Walton. 200 Sandestin Lane #634, Miramar Beach FL
- [New Florida Real Estate Contract in Effect](https://www.itswendy.com/new-florida-real-estate-contract-in-effect/) - The Florida Association of Realtors has published a new version of the Florida real estate contract effective September 3, 2013. Here are the highlights of the changes: 1. Does your refrigerator stay? According to the Florida Association of Realtors, it does. If you don't want to leave it, you have to write that in. My
- [Crestview Florida - VA Compromise Sale - Auburn Acres](https://www.itswendy.com/crestview-florida-va-compromise-sale-auburn-acres/) - Delightful VA Compromise Sale, Crestview Florida home in newer subdivision of Auburn Acres. Great for commutes to Eglin Air Force Base or Duke Field. Very open floor plan so you can cook and watch the family at the same time. Kitchen has a breakfast bar and it's adjacent to an eat-in area with bay window.
- [Building Lot - Teardown House - Fort Walton Beach FL - Zoned Commercial](https://www.itswendy.com/building-lot-teardown-house-fort-walton-beach-fl-zoned-commercial/) - Handyman special commercial lot on Carmel Drive in Fort Walton Beach Florida 32548! Great location between Lowes and Walmart. About one-third acre zoned SR - Suburban Residential, includes R-2 permitted uses and C-1 and C-2 permitted uses. Would be good office location with high visibility. There is an old house on the site that had
- [Navarre by the Sound Building Lot, Near Hurlburt Field Navarre FL 32566](https://www.itswendy.com/navarre-by-the-sound-building-lot-near-hurlburt-field-navarre-fl-32566/) - Have you always dreamed of a new home on the south side of 98 near Near Hurlburt Field in Navarre Florida? This Bank of America short sale – is a corner building lot in sound side subdivision, “Navarre by the Sound”. Generous dimensions. Wooded. Possible view of Santa Rosa Sound from second floor. There is
- [Frangista Beach, Miramar Beach FL - Wells Fargo Short Sale - Sold in 1 Day](https://www.itswendy.com/frangista-beach-miramar-beach-fl-wells-fargo-short-sale-sold-in-1-day/) - Darling Wells Fargo short sale home in Frangista Beach, Miramar Beach Florida is on its way to "sold"! 58 Los Angeles Street is one street back from Scenic Highway 98 and the Gulf of Mexico with private beach access. There is a big, chilling wrap-around porch and a patio area. Inside find a warm and
- [52 Vail Lane, Gulfview Heights, Santa Rosa Beach FL Ocwen Short Sale](https://www.itswendy.com/52-vail-lane-gulf-view-heights-santa-rosa-beach-fl-ocwen-short-sale/) - South of 30-A in Gulfview Heights, Santa Rosa Beach Florida, this short sale home by the beach at the end of a lovely little cul-de-sac, awaits you! When you drive up to 52 Vail Lane, Santa Rosa Beach FL 32459, you'll peek toward the end of the street and see the garage (a hint) highlighted
- [1014 Airport Rd. Quail Run, Destin Florida VA Compromise - Short Sale](https://www.itswendy.com/1014-airport-rd-quail-run-destin-florida-va-compromise-short-sale/) - I was going to write a "Just Listed" post about this Destin Florida VA Compromise Sale townhouse. I cannot, because I sold it too fast! 1014 Airport Rd, Unit 177, Quail Run, Destin Florida went under contract after four days on the market. Very well priced at $137,900, there was a buyer just waiting to
- [Destin Florida Real Estate Agents - Who is the "Boss"? YOU Are!](https://www.itswendy.com/destin-florida-real-estate-agents-who-is-the-boss-you-are/) - In real estate, there is only one "Boss". That is YOU! After years as a traditional real estate company, Rulnick Realty is offering a new plan. This is the "Boss" plan, for real estate agents who are independent, experienced and smart. It's for those Destin, Niceville, Fort Walton Beach, Crestview and Santa Rosa Beach Florida agents
- [Pitcher Plant Bayou Tarkiln Pensacola FL - VA Compromise Sale](https://www.itswendy.com/pitcher-plant-bayou-tarkiln-pensacola-fl-va-compromise-sale/) - Huge VA Compromise Sale house at 3293 Pitcher Plant, Pensacola Florida in the Bayou Tarkiln subdivision near Perdido Key, NAS, and shopping galore! 4 big bedrooms, game room or family room and sunroom. Beautiful covered front porch. Great neighborhood with lots of curb appeal. Split bedrooms. Living room with fireplace has plant ledges. Living room
- [Eglin AFB - PHH VA Compromise Sale Approved](https://www.itswendy.com/eglin-afb-phh-va-compromise-sale-approved/) - This short sale home near Eglin Air Force Base at 497 Managua Way, Mary Esther Florida, Colina del Oro, was just approved for a VA Compromise Sale! Here are the details: Mortgage Servicer (Senior Lien): PHH Appr Balance: $160,000 Junior Liens: none Mortgage type: VA Current Value: $104,000 appr Time for approval: 95 days VA
- [My Bank Changed in the Middle of My Short Sale, Now What?](https://www.itswendy.com/my-bank-changed-in-the-middle-of-my-short-sale-now-what/) - Oh no! You are in the middle of a short sale and you get the dreaded message from Bank of America, "We are service releasing your loan." What does this mean and what do you do? First, here is some background. When you make your mortgage payment to Bank of America, Wells Fargo, Chase, etc.,
- [Majestic Sun, Destin Florida Condo - HAFA Short Sale Approved](https://www.itswendy.com/majestic-sun-destin-florida-condo-hafa-short-sale-approved/) - Even though this was a speedy Majestic Sun condo Destin Florida, Wells Fargo short sale approval - it didn't fee like it! It took just six weeks, but the reams of paperwork made it feel like months! Here are the facts: Senior Lien: Wells Fargo Junior Lien (HELOC): Wells Fargo Original Purchase Price: $520,000 Current
- [Crestview Florida VA Compromise Sale Netting UNDER 88.13%](https://www.itswendy.com/crestview-florida-va-compromise-sale-netting-under-88-13/) - I just got an amazing approval on a Crestview Florida VA Compromise Sale from BB&T! You know the Veterans Administration requirement that the net proceeds of the sale be no less tham 88.13% of the appraised value? And the requirement that the VA Compromise Sale appraisal is firm for six months? This was a breakthrough approval that
- [Holley by the Sea Navarre FL - Green Tree Approves Short Sale](https://www.itswendy.com/holly-by-the-sea-green-tree-short-sale/) - This Green Tree short sale in the Holley by the Sea area, Navarre Florida, was just approved! Here are the details: Address: 2643 Barefoot Creek Ci Subdivision: Barefoot Creek near Holley by the Sea Mortgage: Green Tree Servicing Junior Liens: none This was a speedy short sale - approved in only 60 days. Since the property
- [2009 Bob White, Mary Esther FL - VA Compromise Sale Sold](https://www.itswendy.com/2009-bob-white-mary-esther-fl-va-compromise-sale-sold/) - This home at 2009 Bob White Ct., Quail Run, Mary Esther Florida just sold. It was a VA Compromise Sale, which is a type of short sale. Located near Hurlburt Field and Fort Walton Beach Florida, the home had appeal for military buyers, investors and renters for commuting to base. This Mary Esther home had
- [140 Snook Rd., Mary Esther Florida Building Lot - Just Sold](https://www.itswendy.com/140-snook-rd-mary-esther-florida-building-lot-just-sold/) - This building lot at 140 Snook Rd., Mary Esther Florida just sold. The lot, on the south side of Highway 98, is located near the Santa Rosa Sound and Hurlburt Field Air Force Base. Take a look at the plat above, and it is obvious why this building lot was appealing. Its size, at about
- [Emerald Lakes -  Destin FL - Bank of America Coop Short Sale](https://www.itswendy.com/emerald-lakes-destin-fl-bank-of-america-coop-short-sale/) - Beautiful short sale home in Emerald Lakes, Destin Florida that is part of the Bank of America cooperative short sale program. 190 Wekiva Cove has a stylish floor plan with high ceilings, formal dining or extra sitting room adjacent to elegant foyer. Center isle kitchen with breakfast bar. Living room feels open with clerestory windows
- [497 Managua Way, Mary Esther FL - VA Compromise Sale Pending](https://www.itswendy.com/497-managua-way-mary-esther-fl-va-compromise-sale-pending/) - This short sale home at 497 Managua Way, Mary Esther Florida, is under contract as a VA Compromise Sale with a PHH mortgage. Mary Esther, located near Navarre's Hurlburt Field and Fort Walton Beach's Eglin Air Force Base, is a military community that offers access to the beaches of the Gulf of Mexico, boating, golf,
- [3-Lien Short Sale Parkwood Estates, Bluewater Bay Florida Approved](https://www.itswendy.com/3-lien-short-sale-parkwood-estates-bluewater-bay-florida-approved/) - Three short sale liens? No problem! This home at 1616 Myrtlewood Dr., Parkwood Estates, Bluewater Bay in Niceville Florida was just approved as a short sale and is getting ready to close. Here are the details: Lien #1 (Also called "Senior Lien"): Green Tree Lien #1 Balance: $300,000 appr. Lien #2: Green Tree Lien #2
- [Sailwatch Landing, Fort Walton Beach FL, SPS Etrade Short Sale Approved](https://www.itswendy.com/sailwatch-landing-fort-walton-beach-fl-sps-etrade-short-sale-approved/) - SPS and Etrade have approved this Sailwatch Landing condo in Fort Walton Beach Florida for short sale. Here are the details: Original Purchase price: $679,000 First Mortgage: SPS (Select Portfolio Servicing) ** note: this was originally a Bank of America loan that was "service released" Balance: $530,000 Second Morgage: Etrade, serviced by PNC Balance: $100,000
- [4684 Windstarr, Sunsail, Destin FL -  Short Sale Sold in 1 Day](https://www.itswendy.com/4684-windstarr-sunsail-destin-fl-short-sale-sold-in-1-day/) - This Destin Florida home in the Sunsail subdivision is under contract after one day on the market. 4684 Windstarr Drive was a Bank of America cooperative short sale. The Bank of America "coop" program is meant to help sellers who qualify with short sale receive a waiver of deficiency and often a cash credit at
- [Miramar Beach Commercial Office for Sale Hwy 98](https://www.itswendy.com/miramar-beach-commercial-office-for-sale-hwy-98/) - Emerald Coast Parkway, Miramar Beach, Destin Florida office for sale. Beautiful architect-designed two story unit with six large offices, three upstairs and three downstairs, that can accommodate two or more employees each. Perfect set up for medical group or professional space. There is a conference room, kitchen, copier room, elegant lobby and huge cooled storage
- [Waterscape B304 Okaloosa Island Fort Walton Beach Florida Condo  - Just Sold](https://www.itswendy.com/waterscape-b304-okaloosa-island-fort-walton-beach-florida-condo-just-sold/) - I just sold Waterscape Condo B304 on Okaloosa Island in Fort Walton Beach Florida. This unit went under contract just 50 days after listing. That is no small task, given that the average "months inventory" for Fort Walton Beach gulf front condos is over 14 months. What does that mean, exactly? It means that
- [Rocky Bayou Pool Home For Sale with Apartment - Niceville Florida](https://www.itswendy.com/rocky-bayou-pool-home-for-sale-with-apartment-niceville-florida/) - Delightful home for sale in Rocky Bayou Estates, Niceville Florida. If you appreciate the outdoor lifestyle - this is the house for you! 101 Teresa Court, Niceville Florida has a tremendous yard with in-ground pool, huge patio with pergola, enormous pool house that can be used as apartment, teen quarter, workshop or man-cave. Pool house
- [134 Tranquility Dr., Crestview Florida Short Sale - Pool Home](https://www.itswendy.com/134-tranquility-la-crestview-florida-short-sale-pool-home/) - Crisp and sharp. This large pool home in Northlakes subdivision, Crestview is a smart choice. 134 Tranqility Lane is a short sale listing with one mortgage, Quicken Loans. The cathedralled living room is open to a dining area, as well as large space that could be a study or expanded seating. The kitchen has tile
- [319 Wimico Ci, Emerald Lakes Destin FL - Short Sale APPROVED](https://www.itswendy.com/319-wimico-ci-emerald-lakes-destin-fl-short-sale-approved/) - This Emerald Lakes home at 319 Wimico Ci., Destin, Florida has been APPROVED for short sale by Bank of America. The home was in the Bank of America cooperative short sale program (COOP program). What does that mean? Bank of America offers an incentive to some homeowners to sell their home via short sale, sets a pre-approved list price, issues
- [Indian Lake Destin Florida Condo #259 - Listed and Sold in 5 Days!](https://www.itswendy.com/indian-lake-destin-florida-condo-259-listed-and-sold-in-5-days/) - I just sold another Indian Lake Destin Florida condo - in just 5 days. This two bedroom unit, #259, was a short sale listing with PNC as the mortgagee. The unit needed some work and was priced accordingly at $88,700. These units make great rental properties. My last three Indian Lake condo sales were to
- [Real Estate Agent Texting - Jump and Respond!](https://www.itswendy.com/real-estate-agent-texting-jump-and-respond/) - The new “jump and respond” mentality of texting by real estate agents is out of control. 9:00 p.m. at night – text message: “Can I show xyz Destin Florida listing tomorrow at 8:00 a.m.?” Texting during contract negotiations: “Can the buyer move in early?” “Why not?” Texting during the short sale, “Any news?” Who is this
- [Just Sold Villa Lago Lot 127, Sandestin Florida Short Sale 32550](https://www.itswendy.com/just-sold-villa-lago-lot-127-sandestin-florida-32550/) - Lot 127 Villa Lago in Sandestin, Florida resort, just sold! The Baytowne Loop parcel was a short sale with Bank of America. The listed price for this Villa Lago lot was $65,500. The sale price was $65,000. The property had some past due association fees. Bank of America paid about $8,000 of the past due
- [Just Listed Majestic Sun Condo Miramar Beach FL - Wells Fargo Short Sale](https://www.itswendy.com/just-listed-majestic-sun-condo-a609-wells-fargo-short-sale/) - This stunning 1 bedroom Majestic Sun short sale condo unit A609 was just listed. It's in the premier part of the building for great beach views from the sixth floor. All tiled, updated kitchen, new flat screen t.v.s and fully furnished. There is also a bunk room and two full baths in addition to the
- [Swift Creek Home Under Contract - 1306 Limestone Creek Cv.](https://www.itswendy.com/swift-creek-home-under-contract-1306-limestone-creek-cv/) - In just three weeks, this Swift Creek, Niceville Florida short sale is now under contract! 1306 Limestone Creek Cv. was well-maintained with fresh paint and meticulous care. The home had a huge back yard, enormous Trex deck and terrific landscaping. The owners did a lot of prep work, based on my recommendations, to get the home
- [Sandestin Villa Lago Short Sale Approved by Bank of America](https://www.itswendy.com/sandestin-villa-lago-short-sale-approved-by-bank-of-america/) - Villa Lago Lot 127 Baytowne Loop, Sandestin Florida has been approved for short sale by Bank of America. This was a lengthy approval time frame, but we got it done! Here are the details: Original purchase price: $300,000 appr List price: $65,000 appr Mortgage holder: Bank of America Seller Contribution: $8000 appr Waiver of Deficiency:
- [1306 Limestone Creek Cv., Swift Creek, Niceville Florida Short Sale](https://www.itswendy.com/1306-limestone-cv-swift-creek-niceville-florida-short-sale/) - Gorgeous Swift Creek short sale home with large flat yard with magnificent landscaping. This home is a great price for the Swift Creek neighborhood, and for the large flat uncommon lot, you should snap it up! The open concept floor plan makes the home feel light and airy. There are three living areas that flow
- [2643 Barefoot Creek, Navarre Florida Home - Listing About Sold](https://www.itswendy.com/2643-barefoot-creek-navarre-florida-home-listing-about-sold/) - This short sale home in Barefoot Creek, near Holley by the Sea, Navarre Florida is now under contract. From listing to almost sold in six weeks, this home near Hidden Creek Golf Course off Highway 87 featured a large, restful back yard. There were only a few showings, but it just took the right buyer
- [1616 Myrtlewood La, Parkwood, Bluewater Bay Florida - On Way to Sold](https://www.itswendy.com/1616-myrtlewood-la-parkwood-bluewater-bay-florida-on-way-to-sold/) - This home at 1616 Myrtlewood Land, Parkwood Estates, Bluewater Bay in Niceville Florida is a short sale listing on its way to "sold!" In the past ten days this home received five offers. It is a lovely property with an in-ground pool and over 2100 square feet. Bluewater Bay is an attractive residential community because
- [Indian Lake, Destin Florida Short Sale - Approved in 2 Weeks](https://www.itswendy.com/indian-lake-destin-florida-short-sale-approved-in-2-weeks/) - This Indian Lake Destin Florida short sale condo was approved for closing in just TWO WEEKS by Wells Fargo! This is the speediest approval we have had in the past year. Wells Fargo works through the Equator system, which is an online short sale and REO platform, except for HAFA and some other programs. This
- [Sandpiper Cove #1009, Destin Florida - Listing on way to Sold](https://www.itswendy.com/sandpiper-cove-1009-destin-florida-listing-on-way-to-sold/) - This Sandpiper Cove Destin Florida condo Unit 1009 is under contract and on its way to SOLD! This is a one bedroom unit has about 700 square feet. Walk to the private beach on the Gulf of Mexico, right across the street on Holiday Isle. Play the nine-hole par three golf course. Or do
- [319 Wimico, Emerald Lakes, Destin Florida - Another Sale](https://www.itswendy.com/319-wimico-emerald-lakes-destin-florida-another-sale/) - This Emerald Lakes home in Destin Florida went under contract in 20 days! Listed as a Bank of America short sale with a suggested price, it is part of the Bank of America cooperative short sale program (coop program). In addition, Emerald Lakes is a beautiful gated subdivision in Destin, with tennis, pools, playground and
- [TradeWinds Restaurant, Niceville Florida - Mamma Mia!](https://www.itswendy.com/tradewinds-restaurant-niceville-florida-mamma-mia/) - My husband and I went out Saturday night to enjoy a pre-concert dinner. I opened the tickets while in the car to confirm the time, and found out the concert was really the following week! We laughed at the mistake, but were happy we could get a last -minute reservation at TradeWinds restaurant in the Valparaiso
- [4786 Shoal Lake Ci, Crestview Florida - Short Sale](https://www.itswendy.com/4786-shoal-lake-ci-crestview-florida-short-sale/) - Delightful Crestview Florida home south of I-10 in the Shoal Lake subdivision. 4786 Shoal Lake Circle has a warm entrance with covered porch and brick front. There is a large tiled kitchen and dining area. Find upscale tiled counter and breakfast bar. The living room has a vaulted ceiling and doors to the large back
- [2801 Ping La., Pinnacle Point, Crestview Florida - Short Sale](https://www.itswendy.com/2801-ping-la-pinnacle-point-crestview-florida-short-sale/) - 2801 Ping Lane is a short sale home in the Pinnacle Point subdivision, Crestview Florida. What a wonderful neighborhood with tree lined streets that make for lovely walks and bike rides. This home has plenty of room. There is a fireplaced, cathedralled living room. The kitchen has generous cabinet and counter space with a large
- [Sailwatch Landing B501, Fort Walton Beach FL - Sound Front](https://www.itswendy.com/sailwatch-landing-b501-fort-walton-beach-fl-sound-front/) - This Sailwatch Landing Unit B501 in Fort Walton Beach Florida is directly on the water at 187 Brooks St. It lives like a home, not a condo, but feels like you are in a postcard. There are water views on two sides, of the intracoastal waterways of Santa Rosa Sound. From the long balcony you
- [Waterscape Condo B304, Okaloosa Island, Florida - Direct Gulf View](https://www.itswendy.com/waterscape-condo-b304-okaloosa-island-florida-direct-gulf-view/) - It's all about the views at Waterscape, Unit B304, and Okaloosa Island condo at 1110 Santa Rosa Blvd. in Fort Walton Beach Florida. This two bedroom gulf front condo has one of the best locations in the complex. Why? Only a small percentage of Waterscape units have direct Gulf views. Unit B304, in the west
- [2643 Barefoot Creek, Navarre FL Home Near Hidden Creek Golf Course](https://www.itswendy.com/2643-barefoot-creek-navarre-fl-home-near-hidden-creek-golf-course/) - Attention Hurlburt Field service members PCSing! This gorgeous home is available in Navarre Florida. 2643 Barefoot Creek is near Holley by the Sea and Hidden Creek golf course. It has a lovely interior with friends doors, bow window, cathedral ceilings and corner fireplace. The master bedroom with tray ceiling is separate from the other bedrooms.
- [Lots 311 and 312 North Church St., Santa Rosa Beach FL Acreage](https://www.itswendy.com/lots-311-and-312-north-church-st-santa-rosa-beach-fl-acreage/) - Santa Rosa Beach Florida wooded lots offer a sanctuary. These two North Church Street parcels, totaling eight acres, offer a fantastic opportunity to live in nature, with potential water views of the Choctawhatchee Bay from a second story. Priced together $289,800, or buy separately. North
- [Indian Lake #48 - 2 Bedroom Condo - Destin Florida Short Sale](https://www.itswendy.com/indian-lake-48-2-bedroom-condo-destin-florida-short-sale/) - Indian Lake two bedroom condo #48, Destin Florida, a Wells Fargo short sale. These Destin condo units are selling like crazy. This is a third floor unit. The carpet has been replaced, as well as the stove. The cabinets have been refurbished. Indian Lake has a pool, gym and playground. This Destin Florida short sale
- [Sunset Beach, Bluewater Bay Florida - Golf Course Home in Fairway Villas](https://www.itswendy.com/sunset-beach-bluewater-bay-florida-golf-course-home-in-fairway-villas/) - Delightful and different - check out my new listing for sale is 4337 Sunset Beach Blvd., Bluewater Bay. This contemporary one-story home is in Fairway Villas at Sunset Beach! That is part of Sunset Beach in the Southwind section of Bluewater Bay. Sunset Beach has an olympic size swimming pool and private beach. You can also join one of
- [You Want to be a Destin Real Estate Agent? You Need to Buy Gas](https://www.itswendy.com/want-be-destin-real-estate-agent-need-buy-gas/) - I have two openings for real estate agents in my Destin Florida real estate office. My ad has been on craigslist for a few weeks. I got a call about a week ago from an agent. She had just moved to Florida from a northern state, and had experience selling homes. She lives two towns
- [Sailwatch Landing A502 Fort Walton Beach FL - On Way to Sold](https://www.itswendy.com/sailwatch-landing-fort-walton-beach-fl-on-way-sold/) - This luxury water view condo unit at Sailwatch Landing, Fort Walton Beach Florida is almost sold. Under contract in less than 90 days, this luxury condo has incredible water views from two sides. See Santa Rosa Sound and Choctawhatchee Bay, Brooks Bridge, sailboats and sand. The living room has two walls of windows to take it
- [Wild Heron  Short Sale - 1204 W Lakewalk, Panama City Beach FL](https://www.itswendy.com/wild-heron-short-sale-w-lakewalk-panama-city-beach-fl/) - Stunning Wild Heron pre foreclosure short sale at 1204 Lakewalk W., Panama City Beach Florida. This craftsman style short sale home is a two-story cottage with high ceilings, wood floors, shuttered windows. It exudes elegance. The kitchen has granite counters, Jenn-Aire appliances including double oven and gas range. There is a pass-through to the dining
- [Bank of America Short Sale Policy - Trying to Control MLS?](https://www.itswendy.com/bank-of-america-short-sale-policy-they-trying-control-mls/) - The recent Bank of America Short Sale agent update that was emailed out today states: Your Bank of America short sale listing must be "marketed in the MLS" as ACTIVE until an approval letter is issued. How you are to fill out your MLS fields in a general manner and specific manner. Many MLS rules and even some
- [Valparaiso Niceville Florida - Residential Credit Solutions Short Sale](https://www.itswendy.com/4520/) - Stylish short sale home at 316 Ohio Ave, Valparaiso, Niceville, Florida, near Eglin Air Force Base. Wow factor with exposed beams throughout the main rooms. Track and recessed lighting added. Living room has floor to ceiling brick fireplace. Kitchen has been redone with concrete counter tops, tile backsplash, cabinet pulls. Lots of white cabinets in
- [Fort Walton Beach Regions Bank - Short Sale Approved](https://www.itswendy.com/fort-walton-beach-regions-bank-short-sale-approved/) - This Regions Mortgage Fort Walton Beach Florida short sale was just approved! It was one of the longest short sales transactions I've had in a few years. How long? Five and a half months. There were a few twists to this Fort Walton Beach short sale story. The property was a triplex and there were
- [Port Dixie, Shalimar Florida Bank of America Short Sale](https://www.itswendy.com/port-dixie-shalimar-florida-bank-of-america-short-sale/) - Shalimar's Port Dixie area has a new Bank of America short sale home listed at 32 9th St. This is in pre foreclosure status and needs an immediate offer. The home has a unique and fun floorplan on a huge lot. Updates include recently replaced kitchen countertops, new tile in the bedrooms, kitchen and
- [Amalfi Coast, Miramar Beach FL Fannie Mae Approved Short Sale](https://www.itswendy.com/amalfi-coast-condo-destin-fl-bank-of-america-fannie-mae-approved/) - It was an interesting run to "APPROVED" and "SOLD" for this Amalfi Coast Unit B114 short sale condo in Miramar Beach, Florida. The condo had one Bank of America mortgage and the investor on the mortgage was Fannie Mae. Initially, the property was enrolled by Bank of America into their cooperative short sale program with
- [812 Lark, Fort Walton Beach FL Short Sale Fixer Upper](https://www.itswendy.com/lark-fort-walton-beach-fl-short-sale-fixer-upper/) - It's all about the lot at 812 Lark St., Fort Walton Beach Florida short sale. At .85 acres, this is the yard you've been waiting for. Inside feels spacious, find a tiled family room that could be an office, in addition to the separate living room. Circular drive, newer air conditioner. There is a large
- [221 Matties Way, Kelly Plantation, Destin FL Home For Sale](https://www.itswendy.com/matties-way-kelly-plantation-destin-fl-home-for-sale/) - This stunning home at 221 Mattie’s Way in Kelly Plantation, Destin Florida is very private, backs to nature preserve and nature buffer to left. Set deep on lot with side entry garage, the hip roofs, copper elements, and mature treed front yard add to the elegance. Impeccably decorated, striking design, high ceilings and upgrades. First
- [The Search for a New Home - A Realtor's Story - Part 3 in a series](https://www.itswendy.com/search-for-home-realtors-story-part-series/) - Third in a Five Part Series 1. Deciding to Move - A Realtor's Story- Part 1 2. Should We Sell or Buy First - A Realtor's Story - Part 2 Being a Destin Realtor with over 20 years experience, it’s good to go through the home selling and buying process every once in a while. This
- [Deciding to Move – A Realtor’s Story - Part 1 in a Series](https://www.itswendy.com/deciding-move-realtors-story-part-series/) - First in a Series: Deciding to Move - A Realtor's Story I want to tell you about my personal journey and the decision to sell my home and buy a new one. As a Destin Realtor with over 20 years experience, it’s good to go through the home buying and selling process once in a while. It has
- [2834 Atoka, Crestview FL Citi VA Compromise Sale Approved](https://www.itswendy.com/atoka-crestview-fl-citi-va-compromise-sale-approved/) - Citi Mortgage just approved this Cherokee Bend, Crestview Florida VA Compromise Sale. An interesting and long process, we ended up selling this property to the second buyer. This Crestview Florida VA Compromise Sale took about four months to be assigned to a VA negotiator at Citi. Countless documents were requested to be faxed and re-faxed. For
- [2 Acres Waterfront Lot Mary Esther Florida](https://www.itswendy.com/acre-waterfront-lot-mary-esther-florida/) - Spectacular Mary Esther Florida sound front estate-sized lot of over 2 acres on secluded cul-de-sac on Forest Shores Drive, just past Emerald Pointe. Build a home with dappling water views and privacy, and even your own sandy beach. This lot is deep, over 900 feet to water, and 100 feet on the sound. Waterfront area
- [98 Barracuda St., Destin Florida - Crystal Beach on way to Sold](https://www.itswendy.com/barracuda-st-destin-florida-crystal-beach-on-way-sold/) - This Crystal Beach Destin Florida home at 98 Barracuda St., is on its way to Sold. Under contract in a little more than 90 days, the home epitomizes Crystal Beach living. Crystal Beach is located across from several walk-ways to the Gulf of Mexico beaches, and just a stroll to shopping and restaurants. Nearby, you'll
- [127 Valencia FHA HUD Short Sale Fort Walton Beach FL](https://www.itswendy.com/valencia-fha-hud-short-sale-fort-walton-beach-fl/) - Valencia Townhome in Fort Walton Beach. This is an JP Morgan Chase FHA HUD pre foreclosure short sale. A brick townhome with private fenced back yard. Needs work, but some started for you! Welcoming shutters and bay window. Living Room has new floor. Master bedroom has walk in closet and new carpet. Kitchen has pass-through
- [Parkwood Estates Green Tree Short Sale Bluewater Bay Florida](https://www.itswendy.com/parkwood-estates-green-tree-short-sale-bluewater-bay-florida/) - Parkwood Estates Green Tree short sale home in Bluewater Bay, Niceville Florida. 1616 Myrtlewood stars a saltwater pool and is located in a gated Parkwood Estates community on a cul-de-sac. Four spacious bedrooms, cathedralled living room with corner fireplace, plant ledge, French doors. Kitchen is eat-in with tiled center isle and overlooks delightful saltwater
- [200 Bartonwood, Niceville Florida VA Compromise Sale](https://www.itswendy.com/bartonwood-niceville-florida-va-compromise-sale/) - Darling Niceville Florida VA Compromise Sale home in popular Cedar Ridge. 200 Bartonwood is located on a corner lot with mature trees, fenced back yard. Two car carport, patio and deck. Open floor plan with kitchen pass-through over breakfast bar to living room with cathedral ceiling and fireplace. Home needs a little cosmetic work.
- [Fort Walton Beach Citi Bank VA Compromise Sale - On Way to Sold](https://www.itswendy.com/fort-walton-beach-citi-bank-va-compromise-sale-on-way-sold/) - This Citi Bank VA Compromise Sale in the Kenwood area of Fort Walton Beach Florida is now under contract. 641 Country Club should be sold and closed in about four months. VA Compromise Sales with Citi Bank are processed like all other lenders. Citi Bank is the servicer of the Veterans Administration mortgage, so abides
- [Fort Walton Beach Bank of America VA Compromise Sale - About Sold](https://www.itswendy.com/bank-of-america-va-compromise-sale-fort-walton-beach-on-way-sold/) - This home at 2718 Willow Grove, in the Willow Bend area of Fort Walton Beach Florida is a Bank of America VA Compromise short sale. On its way to sold, the home is now under contract. VA Compromise Sales don't get processed through Equator , which is Bank of America's online short sale platform. All
- [Low Cost Divorce in Destin FL –"Divorce Docs" - Non Attorney Savings](https://www.itswendy.com/low-cost-divorce-destin-fl-divorce-docs-non-attorney-savings/) - Even an uncontested divorce can be expensive when attorneys are involved. Divorce Docs, based near Destin Florida, is a simple and effective lower cost solution. One of my former real estate clients, Angela Angelovic and her business partner, formed Divorce Docs and has been helping couples from Okaloosa, Walton, Bay and Escambia County and all over Florida. Their mission
- [Listing Under Contract - Sandestin FL - Villa Lago, 127 Baytowne Loop](https://www.itswendy.com/listing-under-contract-sandestin-fl-villa-lago-baytowne-loop/) - This Villa Lago Sandestin Florida building lot -127 Baytowne Loop, was for listed for sale and on its way to "SOLD". It went under contract in little over 90 days. Villa Lago is a small community in gated Sandestin, with prime golfing available at the Baytowne Golf Course, greens, lake and canal views. You can
- [187 Brooks St., Sailwatch Landing, Fort Walton Beach Short Sale](https://www.itswendy.com/brooks-st-sailwatch-landing-fort-walton-beach-short-sale/) - This Sailwatch Landing Fort Walton Beach short sale condo, #A502 at 187 Brooks St., puts YOU in the postcard. From the top floor, the water views on two sides with windows from the floor are dramatic and enticing. See Santa Rosa Sound and Choctawhatchee Bay, Brooks Bridge, sailboats and sand, from your Sailwatch Landing three bedroom
- [Should I Short Sale My Destin Florida Area House](https://www.itswendy.com/should-i-short-sale-my-destin-florida-area-house/) - Are you thinking about short sale for your Destin, Niceville or Santa Rosa Beach Florida home? Is your Navarre, Crestview or Fort Walton Beach mortgage dragging you down? I have a free short sale calculator tool that can help you get a quick objective opinion about what your property value is, and, based on your mortgage balance, give
- [641 Country Club, Kenwood, Fort Walton Beach VA Compromise Sale](https://www.itswendy.com/country-club-kenwood-fort-walton-beach-va-compromise-sale/) - Stately Kenwood area, Fort Walton Beach Florida VA Compromise short sale home with a lot of space. 641 Country Club has an in-ground pool which feels very private, in an estate-like setting with a large patio and surrounded by nature. backing up to a golf-course. First floor has enormous recreation room with cork floor, large living
- [Kelly Plantation, Destin FL - Property Values Homes for Sale - Sold October 2012](https://www.itswendy.com/kelly-plantation-homes-for-sale-sold-october/) - Kelly Plantation, the gated golf community in Destin Florida has currently has 37 homes for sale. Property values are affected by the number of homes for sale. There are 6 homes under contract. One Kelly Plantation home sold in October 2012. Prices range from $370,000 to almost $9 million for waterfront homes. If you have
- [352 Sailfish Dr., Rushlin Park, Destin FL - Short Sale](https://www.itswendy.com/sailfish-dr-rushlin-park-destin-fl-short-sale/) - Striking home at 352 Sailfish in Rushlin Park, Destin Florida. Beautifully decorated with stunning touches. Upon entry, note high cathedral with wood-board ceiling and floor-to-ceiling brick fireplace. The kitchen has been gorgeously remodeled, travertine counters, tile backsplash, stainless appliances, repainted cabinets, new faucet - it's a dream. On the second floor, the master bedroom
- [Strategic Default Short Sale - Foreclosure in Destin Florida - Beware](https://www.itswendy.com/strategic-default-short-sale-foreclosure-destin-florida-beware/) - Recent articles about short sale strategic default of vacation home and investment properties, like those in Destin Florida, have caused a stir. An October 2012 Federal Housing Finance Agency (FHFA) report stated that Fannie Mae and Freddie Mac, which are enterprises it oversees, don’t uniformly pursue collection of short sale deficiencies. A deficiency is the balance
- [140 Snook, Fort Walton Beach FL - 4 Building Lots](https://www.itswendy.com/snook-fort-walton-beach-fl-building-lots/) - 140 Snook Rd., Mary Esther Florida is what a Fort Walton Beach or Navarre developer or builder is looking for! It is subdividable into four separate lots. This large .67 parcel fronts both Snook and Cactus. Lots 39, 40, 45, 46 do not have to be "split" per Okaloosa County Building Department. Buyer to verify this statement directly
- [Can I Short Sale My Destin FL Home While Current on My Mortgage?](https://www.itswendy.com/can-i-short-sale-my-destin-fl-home-while-current-on-my-mortgage/) - I just hung up the phone with an upcoming Destin Florida short sale seller. She told me she had a Bank of America mortgage. Her husband had lost his job, and that was making it difficult for them to keep up with their payments. She said they only had a few hundred dollars, and they were starting
- [Selling Short Sales in Destin Florida - Really Crazy or Really Good?](https://www.itswendy.com/selling-short-sales-destin-florida-must-be-really-crazy-or-really-good/) - Why do I do love helping Destin Florida short sale sellers? The letter I just received after a successful Miramar Beach short sale closing with two mortgages explains it all.... "Wendy, Tim and I would like to express our sincerest gratitude in making a difficult situation of having to short sell our house as painless as it
- [Lot 5 Le Soleil, Miramar Beach Florida Short Sale](https://www.itswendy.com/lot-le-soleil-miramar-beach-florida-short-sale/) - Lovely short sale building lot in Le Soleil, Miramar Beach Florida. Lot 5 Surf Song is behind Mediterranea condos which are across from public Gulf of Mexico Beach. The lot is located at end of brick-pavered cul-de-sac street. Extra parking at end of the street by this parcel will be very convenient. Walk only a few minutes to Scenic
- [Fannie Mae, Freddie Mac Short Sales Changes - Nov 1](https://www.itswendy.com/fannie-mae-freddie-mac-short-sales-just-got-easier/) - I get many calls from sellers who need or want to short sale, but they are not behind on their mortgage payments. There are various reasons for this – they don’t want to affect their credit, their personal sense of responsibility, or sometimes they can still afford the payments although they are very "upside
- [4858 Hinote, 13 Acres, Mossy Head FL Short Sale - Fixer Upper](https://www.itswendy.com/hinote-acres-mossy-head-fl-short-sale-fixer-upper/) - Roll up your sleeves and bring your tool box and creativity to this Mossy Head, near Crestview, Florida pre-foreclosure short sale at 4858 Hinote Rd. The lot is fabulous, over 13 acres, but the house is not - yet. In fact, you'll need lots of paint and the ability to install a central air conditioning unit
- [Cardinal Estates, Navarre FL - Short Sale Approved by PHH](https://www.itswendy.com/cardinal-estates-navarre-fl-short-sale-approved-by-phh/) - This investment property at 2137 Estates Ci., Cardinal Estates, Navarre Florida, was just approved by PHH for short sale closing. Here are the details: Mortgage: PHH Mortgage (handles mortgages for companies like Coldwell Banker, Century 21, E*Trade, First Trade Union Bank, Carver Federal Savings Bank, Suburban Bank & Trust , First Tennessee Bank, Bank of the Sierra, Comerica
- [Milton Florida Short Sale Lot  - Approved by Bank of America](https://www.itswendy.com/milton-florida-short-sale-lot-approved-by-bank-of-america/) - This investment lot, a waterfront parcel in Milton Florida, was just approved for short sale closing by Bank of America. Here are the details: Mortgage: Bank of America Balance: $230,000 appr Current Market Value: $90,000 appr Seller Cash Contribution: $7,500 Short Sale Deficiency: none Notes: This vacant Milton Florida lot had only one lien, Bank
- [Mary Esther FL - Chase, Compass, Eglin Federal Short Sale](https://www.itswendy.com/mary-esther-fl-chase-compass-eglin-federal-short-sale/) - Do you have a Mary Esther Florida home with multiple mortgages and liens that you need to short sale? This synopsis of a recent short sale will give you an idea about possible outcomes. An older home in Miramar Estates, Mary Esther, Florida was just approved for short sale, and had four liens. It was a very
- [Kenwood, Fort Walton Beach FL - Bank of America Short Sale Approved](https://www.itswendy.com/kenwood-fort-walton-beach-fl-bank-of-america-short-sale-approved/) - This home at 119 Mooney Rd., in the Garniers Heights subdivision in the Kenwood area of Fort Walton Beach, Florida, was just approved for short sale. Here are the details: Senior Lien: Bank of America Balance: $400,000 appr Junior Lien: Coastal Bank and Trust (formerly Vanguard Bank) Balance: Cross Collateral loan Current Market Value: $283,000
- [755 Barrow St., Crestview Florida VA Compromise Sale](https://www.itswendy.com/barrow-st-crestview-florida-va-compromise-sale/) - Northeast Crestview Florida VA Compromise short sale home at 755 Barrow St., sits on large fenced lot on cul-de-sac street. The home needs some work, but shows great promise. Just think what you could do with some new carpet, cosmetic fix-up and new decor! Tile in kitchen and bath. Wood laminate floor in living room.
- [1083 Tallokas, Crestview FL Home on Three Acres](https://www.itswendy.com/tallokas-crestview-fl-home-on-three-acres/) - Lake front home in Crestview's Florida's Kennedy Estates - on 3 acres! This home at 1083 Tallokas Rd. has a gorgeous setting on Indian Lake, with a gently sloping lot and magnificent trees. Inside, start with the beautiful kitchen with granite counters, brick accents, hearth and stainless steel appliances. The living room is sunken and
- [Holiday Shores, Miramar Beach FL - Short Sale Approved - Green Tree](https://www.itswendy.com/holiday-shores-miramar-beach-fl-short-sale-approved-green-tree/) - This Miramar Beach home at 897 Shore Drive was just approved for short sale by Citi and Green Tree. It was a beautiful home, so went under contract quickly (AND got a speedy approval). Senior Mortgage: CitiMortgage Balance: $285,000 appr Junior Mortgage: Green Tree Balance: $60,000 appr Current Market Value: $180,000 appr Days for Approval: 45
- [98 Barracuda St., Crystal Beach, Destin Florida - Walk to Beach](https://www.itswendy.com/barracuda-st-crystal-beach-destin-florida-walk-beach/) - This stylish Crystal Beach home at 98 Barracuda Street, Destin Florida, in the Waters Edge subdivision, was custom built, had one owner and was never rented. Full of upgrades, elegance and sophistication, it's not a cookie-cutter Crystal Beach house. Loaded with fine architectural features, interesting roof lines and upscale details. Walk in from the welcoming
- [Want to Sell? Don't be Seen or Heard (And Your Little Dog, too)](https://www.itswendy.com/want-sell-dont-be-seen-or-heard-your-little-dog-too/) - I always advise my sellers to leave the house when there is a showing. That philosophy was recently reinforced to me when I was house-shopping in Destin, Florida. I set an appointment to view a home for myself and my husband. The house would be vacant and open for us, according to the listing agent. We drove up, parked
- [Kelly Plantation, Destin FL - Bank of America HAFA Short Sale Approved](https://www.itswendy.com/kelly-plantation-destin-fl-bank-of-america-hafa-short-sale-approved/) - This home in Kelly Plantation, Destin Florida has been approved as a Bank of America HAFA short sale. What is HAFA? It's the U.S. Treasury's “Home Affordable Foreclosure Alternatives Program”. Kelly Plantation, Destin Florida short sale sellers might also be eligible for HAFA and Bank of America cash incentive paid to them at closing of several
- [Tides at Tops'l #108 Miramar Beach Florida Condo for Sale](https://www.itswendy.com/tides-at-topsl-miramar-beach-florida-condo-for-sale/) - Gated Miramar Beach Florida Tides at Tops’l unit 108 condo for sale - Tops'l Beach and Racquet Resort, is the 15 story Gulf-front development. This large 2 bedroom unit has an understated beach feeling, yet with a sophisticated look. A place to call home with a limited gulf-view or as an investment with rental
- [1237 Ego Dr., Crestview Florida VA Compromise Sale](https://www.itswendy.com/ego-dr-crestview-florida-va-compromise-sale/) - Brick VA Compromise Sale Short Sale home in Countryview Estates, Crestview Florida south of I-10 with contemporary appeal! Home at 1237 Ego Drive has a great floor plan, touches like plant ledges, half wall, cathedral ceiling. Tasteful colors. Kitchen has tile backsplash, eat-in area and gorgeous wood laminate floors! Master bath has double vanity and two
- [127 Baytowne Lp., Villa Lago, Sandestin FL - Short Sale Lot](https://www.itswendy.com/baytowne-lp-villa-lago-sandestin-fl-short-sale-lot/) - Want to build a new home on Baytowne Loop in Sandestin Florida? This short sale lot is in Villa Lago, a small community in the premier gated Sandestin resort of Miramar Beach Florida. This building lot is a Bank of America short sale. You’ll have views in Villa Lago of the Baytowne Golf Course, lake and canal
- [Seminole, Niceville FL - USDA Short Sale Approved](https://www.itswendy.com/hickory-seminole-niceville-fl-usda-short-sale-approved/) - This house at 1425 Hickory Lane, in the Seminole area of Niceville Florida, was just approved for Bank of America short sale closing. It was a long process, with delays due to department changes at Bank of America, but in the end - success! Here are the details: First Mortgage Holder: Bank of America Second Mortgage: None
- [BB&T Approves Villa Tasso, Niceville FL Short Sale in 2 Weeks](https://www.itswendy.com/bbt-approves-villa-tasso-niceville-fl-short-sale-weeks/) - A Niceville Florida lot sold, approved for short sale and closed in 30 days? How common is that? Not very! Yet, we had a successful sale of this Villa Tasso lot on Robert Ave., Niceville, Florida in just that time! Here are the statistics: Mortgage Holder: BB&T Original Purchase Price: $60,000 Purchase Year: 2005 Current Market Value:
- [LaGrange Shores, Freeport Florida Waterfront Home Just Sold](https://www.itswendy.com/lagrange-shores-freeport-florida-waterfront-home-just-sold/) - This exquisite, custom home on LaGrange Bayou in Freeport Florida just sold. Properly priced, it went under contract in six days. With 200 feet on the water. the home has magnificent views. Set on 1.25 acres and over 3500 square foot it makes a perfect residence near both South Walton and Destin Florida beaches. Brazilian cherry stairways, 10-20 foot ceilings in
- [3021 Yorktown, Wright, Fort Walton Beach FL - Short Sale Approved](https://www.itswendy.com/yorktown-wright-fort-walton-beach-fl-short-sale-approved/) - This home at 3021 Yorktown Circle, Fort Walton Beach Florida was just approved for Bank of America short sale. Located in the Willow Bend area of Wright, near Eglin Air Force Base, it is being sold as an investment property. The Bank of America approval time was lengthy, but the results successful. Here are the details: First
- [Antioch Estates, Crestview Florida - VA Compromise Sale Approved by BB&T](https://www.itswendy.com/antioch-estates-crestview-florida-va-compromise-sale-approved-by-bbt/) - This Antioch Estates home in Crestview Florida was just approved for VA Compromise Sale. It was an unusually swift approval for a short sale! Here are the details: Mortgage Holder: BB&T Original Balance: $205,000 appr Current Market Value: $150,000 appr Short Sale Deficiency: none Time for Approval: 33 days Reason for sale: Eglin AFB military PCS (permanent
- [Amalfi Coast Short Sale Condo 114B, Miramar Beach FL](https://www.itswendy.com/amalfi-coast-short-sale-condo-b-miramar-beach-fl/) - Popping bright colors make this Amalfi Coast Unit 114B short sale condo a Miramar Beach Florida joy! The kitchen is open to the living room with breakfast bar. The balcony has vistas of the Gulf of Mexico. Two bedrooms, plus bunk beds in the hall, so bring the family! The Amalfi Coast grounds have two pools,
- [Destin Florida VA Compromise Sale Approved by Bank of America](https://www.itswendy.com/destin-florida-va-compromise-sale-approved-by-bank-of-america/) - 1137 Bay Court, Bayview Manor, Destin Florida, was just approved as a VA Compromise Sale. The VA Compromise Sale program is helpful for homeowners who have a VA mortgage, and fall into financial hardship. Like a short sale, it allows the borrower to sell their property when the market value is less than the remaining loan
- [897 Shore Dr., Holiday Shores, Miramar Beach FL - Short Sale](https://www.itswendy.com/shore-dr-holiday-shores-miramar-beach-fl-short-sale/) - This is a spiffy Miramar Beach Florida short sale home with fun touches and updating. 897 Shore Drive, in the Holiday Shores subdivision has a screened-in in-ground pool, hot tub and lovely yard for outdoor enjoyment. The kitchen, with breakfast bar, has stainless steel appliances, pendant lights and is open to the living room. From
- [151 Snowdrift Rd., Miramar Beach FL - Duplex - Walk to Beach](https://www.itswendy.com/snowdrift-rd-miramar-beach-fl-duplex-walk-beach/) - This unusual duplex at 151 Snowdrift in Miramar Beach Florida has the Gulf of Mexico beach right at the end of the street. No roads to cross, just seven lots away in your gated subdivision, you'll find the sand and waves! Use this beach bungalo as your vacation base. Your options - rent one unit, live in the
- [Santa Rosa Beach PNC Short Sale - Approved in 2 Weeks No Deficiency](https://www.itswendy.com/santa-rosa-beach-pnc-short-sale-approved-weeks-no-deficiency/) - The other day I received a happy approval on a short sale lot in Santa Rosa Beach Florida. The short sale lender PNC, had taken over the servicing on the loan from RBC Centura. The original mortgage amount was about $550,000 in 2004. Today, the value of the Santa Rosa Beach lot is about $70,000. The seller
- [3075 Border Creek Rd., Brooke Estates, Crestview FL - Short Sale](https://www.itswendy.com/border-creek-rd-brooke-estates-crestview-fl-short-sale/) - Lovely contemporary short sale home in Brooke Estates, northeast Crestview Florida. This newer house at 3075 Border Creek Road has eye appealing design with cathedralled living room open to kitchen. Deep red accent paint on plant ledge. Kitchen with breakfast bar, long counter space, large eat-in area. The formal dining room is off the wood laminate floored
- [Eglin HAP PCS? Save Your Receipts or Lose Out](https://www.itswendy.com/eglin-hap-pcs-save-your-receipts-or-lose-out/) - I was dismayed the other day when I found out a Niceville Florida short sale seller could have used HAP (Homeowner Assistance Program) to sell his home, but did not. Now, due to the reduced value of his property, and military PCS move, he has no choice to avoid foreclosure, but to short sale. Why? He qualified in every way: PCSd
- [Steeplechase Home, Crestview FL - HAP Approved Private Sale](https://www.itswendy.com/steeplechase-home-crestview-fl-hap-approved-private-sale/) - This home in at 602 Affirmed Ct., Steeplechase, Crestview Florida has been approved for a HAP Private Sale. An appealing home with many udpates, it had solid surface counters, laminate floors, new landscaping and sod. The location in Crestview south of I-10 made the home ideal for commuting to Eglin Air Force Base or Destin beaches. The HAP
- [Niceville Florida Bank of America Short Sale Approved](https://www.itswendy.com/niceville-florida-bank-of-america-short-sale-approved/) - This home at 552 Woodlow Rd., Niceville Florida has been approved for short sale. Bank of America is the mortgage holder. It took 3.5 months to approve, but felt like a year. Why? 1. August 2011 - Bank of America assigned the file to a HAFA specialist before the home was under contract 2. October, 2011
- [Indian Lake, Destin Florida - Short Sale Approved](https://www.itswendy.com/indian-lake-destin-florida-short-sale-approved/) - Bank of America and Green Tree just approved this Indian Lake condo unit, Destin Florida for short sale. This was an investment property, never occupied by the owner. Here are the details: Bank of America – Senior Lien – Balance: $165,000 appr Green Tree Servicing – Junior Lien – Balance $16,500 Sale Price: $65,000 appr NOTES:
- [130 Shoreline Dr., LaGrange Shores, Freeport FL - Bayou Front Home](https://www.itswendy.com/shoreline-dr-lagrange-shores-freeport-fl-bayou-front-home/) - Divine waterfront home at 130 Shoreline Drive on LaGrange Bayou in Freeport Florida on 1.25 acres. Striking in every detail. Impressive entry with a framed water view punctuated by double staircases in Brazilian cherry wood. This 3500 square foot home in LaGrange shores has 10-20 foot ceilings in the first floor. Living room with double-sided fireplace, wetbar with
- [7811 Gulf Blvd, Navarre Beach Florida - Gulf Front Lot for Sale](https://www.itswendy.com/gulf-blvd-navarre-beach-florida-gulf-front-lot-for-sale/) - Build your direct gulf front dream home on Navarre Beach, Florida. This waterfront lot at 7811 Gulf Boulevard offers you a commanding setting to take in the gulf views, sugary sand, bright splashes of sunshine and orange-hued sunsets. The lot has about 50 feet on the Gulf of Mexico. Navarre Beach is convenient to Pensacola and Hurlburt Field and Gulf Islands National
- [Cessna Landing Waterfront Lot, Santa Rosa Beach FL - Short Sale](https://www.itswendy.com/cessna-landing-waterfront-lot-santa-rosa-beach-fl-short-sale/) - Water front short sale lot in Santa Rosa Beach Florida on the bayou in Cessna Landing. Watch the boats, birds, and waves from your new home site. This is a gated community with a crisp, inviting pool which is across the street from this parcel for easy dips! There is a beautiful walkway to the
- [It's OK to Sell Your Eglin AFB HAP Home Fast](https://www.itswendy.com/its-ok-sell-your-eglin-afb-hap-home-fast/) - This home in Vesta Heights, Fort Walton Beach Florida, has been approved for HAP sale. The property went under contract just three days after going on the market! HAP approved the contract and replaced it with their own 11 weeks later. Things to know: 1. Even though the HAP (Homeowners Assistance Program for U.S. military) website says your home
- [Eglin AFB HAP PCS Private Sale - Can Put Cash in Your Pocket](https://www.itswendy.com/eglin-afb-hap-private-sale-option-even-if-have-no-mortgage/) - Did you know you don’t have to be “upside down” in your mortgage to use the HAP program? That’s right! Military members who PCS’d from Eglin Air Force Base, Hurlburt Field, Duke Field or Whiting Field should know their options! Most people think HAP is only used to avoid short sale or foreclosure when the airman, marine or army member is PSC’d (Permanent
- [Destin Bank of America Cooperative Short Sales](https://www.itswendy.com/destin-bank-of-america-cooperative-short-sales/) - Bank of America Cooperative short sales are not always as “easy” or “fast” as they make them out to be. If you have received an offer to do a Bank of America cooperative short sale near Destin Florida, here is a sample of an actual file in process. As the short sale listing agent, I take most of
- [Bank of America Cooperative Short Sale Forms](https://www.itswendy.com/bank-of-america-cooperative-short-sale-forms/) - If you own a home or condo in Destin, Crestview, Navarre or Santa Rosa Beach Florida and are working with Bank of America to avoid foreclosure, you may have received some confusing information from them in the mail. One is a letter offering you to participate in the Bank of America cooperative short sale program. The other is a "Short Sale Third
- [119 Mooney Rd,. Fort Walton Beach FL - With Pool](https://www.itswendy.com/mooney-rd-fort-walton-beach-fl-pool/) - Unique and elegant Bank of America short sale home at 119 Mooney Rd., in the Kenwood subdivision of Fort Walton Beach Florida. 10' high ceilings in main living area, formal entry, transom and palladium windows, crown moulding, accent lighting, wood and tile floors. The kitchen gleams with black granite counters, Maple cabinets, stainless appliances, center
- [2011 Bob White, Quail Run, Mary Esther FL - Short Sale](https://www.itswendy.com/bob-white-quail-run-mary-esther-fl-short-sale/) - Spiffy West of Hurlburt house for sale at 2011 Bob White Court, Quail Run, Mary Esther Florida. This Bank of America short sale home has cathedralled living room with tall, brick fireplace. Spacious kitchen. Separate formal dining room with chair rail. Large two car garage. It is over 1300 square feet with three bedrooms and
- [4517 Olde Plantation Pl, Kelly Plantation, Destin FL - Under Contract](https://www.itswendy.com/olde-plantation-pl-kelly-plantation-destin-fl-under-contract/) - This gorgeous home in Kelly Plantation, Destin, Florida is now under contract in only 30 days. What are my favorite things about 4517 Olde Plantation Place? The kitchen... marvelous slabs of black granite counters, an enormous center island, the tube light above giving just the right ambience. Or maybe it's the master bedroom with the
- [Cherokee Bend, Crestview Florida - VA Compromise Sale](https://www.itswendy.com/cherokee-bend-crestview-florida-va-compromise-sale/) - This contemporary home in Cherokee Bend subdivision, Crestview Florida is a VA Compromise Sale. 2834 Atoka Trail is neat, crisp and bright! Kitchen open to dining and living room with breakfast bar. Fun track lighting. Master bedroom opens to outside with French doors, and has two walk-in closets. Master bathroom has double vanities. Enjoy the big fenced
- [Eagles Landing Crestview Florida - Bank of America Short Sale Approved](https://www.itswendy.com/eagles-landing-crestview-florida-bank-of-america-short-sale-approved/) - This Eagles Landing short sale at 781 Majestic Boulevard was just approved in Crestview Florida. It was a tedious process because the investor for the mortgage was Ginnie Mae USDA. Here are the details:Mortgage Holder:Bank of AmericaOriginal Mortgage:appr $135,000Current Market Value:appr $65,000Other Liens: Yes Time for Approval: 4.5 months Notes: This short sale process was lengthy.
- [1137 Bay Ct., Destin Florida - VA Compromise Sale](https://www.itswendy.com/bay-ct-destin-florida-va-compromise-sale/) - Beautiful short sale home in the heart of Destin Florida in Bayview Manor. The yard is a dream - deep, with lovely trellises, and a big screened porch to enjoy it all. Inside you'll find contemporary flair with cathedral and trey ceilings. Fun kitchen with a tile center island and creative track lighting. Much of
- [Did You Get HAP Bill for Overpayment?](https://www.itswendy.com/did-get-hap-bill-for-overpayment/) - Did you have an Eglin Air Force Base HAP sale in the past few years? If so, be aware that they are auditing files and you might actually receive a bill if they claim you were overpaid. One of my Fort Walton Beach HAP sellers received just such a letter with a bill for almost
- [BB&T Approves Navarre Florida Short Sale in 30 Days](https://www.itswendy.com/bbt-approves-navarre-florida-short-sale-days/) - This was a speedy approval for a vacant land short sale in Sound Hammock, Navarre Florida. The waterfront lot, on Santa Rosa Sound, had one mortgage. Here are the details: Mortgage Holder: BB&T Original Purchase Price: $475,000 in 2005 Mortgage Amount: $430,000 Sales Price: $85,000 Cash Contribution Required: Yes Short Sale Deficiency: Waived This short
- [17 Birch St., Fort Walton Beach, FL - Triplex](https://www.itswendy.com/birch-st-fort-walton-beach-fl-triplex/) - Short sale multi-family unit for sale in Fort Walton Beach Florida. A triplex, this property at Birch Avenue consists of three attached townhomes, each with 2 bedrooms, 1.5 baths and 928 square feet for a total of 2784 square feet. Each unit has a private fenced court yard. Handyman will love this part - it needs work! You may
- [Bank of America Short Sales - New Authorization Policy Needs Improvement](https://www.itswendy.com/bank-of-america-short-sale-authorization-policy-needs-improvement/) - As a small brokerage, I have significant concerns about the new Bank of America Third Party Authorization Form. My concerns about the new authorization are from a practical standpoint. Specifically, only authorizing a licensed real estate agent (or attorney) on a file is a logistical challenge. Here are my concerns from a practical standpoint: 1. As the only authorized agent, if
- [Miramar Beach Commercial Office for Sale - Miramar Plaza](https://www.itswendy.com/miramar-beach-commercial-office-for-sale-miramar-plaza/) - Beautiful two story Destin Florida office for sale in Miramar Plaza, architect-designed. Located on Hwy 98 near between Destin Commons and Sandestin, in Miramar Beach. Commerical unit includes six generous offices that can accommodate two or more each, large conference room, kitchen, copier area and lobby. Each office has window to hall for a spacious feel. Lobby has sky-high ceiling for a
- [4517 Olde Plantation Pl, Kelly Plantation Destin Florida - Short Sale](https://www.itswendy.com/olde-plantation-pl-kelly-plantation-destin-florida-short-sale/) - Elegant Kelly Plantation short sale home in Destin Florida with three car garage, tile roof and privacy, overlooking nature preserve. Stunning finishes like 12' ceilings, travertine tile, crown moulding, upscale fixtures. The kitchen is a fantasy with black granite counters, walls of cabinets, custom wine nooks, uplighting, travertine backsplash, tube light, and fun pendants. Guest quarters
- [The Oaks Niceville Florida Short Sale Approved](https://www.itswendy.com/oaks-niceville-florida-short-sale-approved/) - Wells Fargo just approved this short sale at The Oaks condo complex in Niceville Florida. The approval time was less than 60 days, despite Wells Fargo's taxing use of the Equator short sale processing system. Here are the details: Mortgage Holder: Wells Fargo Balance: appr $190,000 Sales price: appr $82,000 Waiver of Deficiency: yes Seller contribution: yes This Oaks condo
- [Fifth Third Bank, Liberty Savings Approve Okaloosa Island Short Sale](https://www.itswendy.com/fifth-third-bank-liberty-savings-approve-okaloosa-island-short-sale/) - This Islander Beach condo in Fort Walton Beach Florida was approved for short sale. It was a complex process, since there were three mortgage liens on the property. Here are the details. Senior Lien: Fifth Third Bank approx balance: $140,000 Junior Lien: Fifth Third Bank approx balance: $100,000 Junior Lien: Liberty Savings Bank approx balance: $150,000 Current Market Value: $260,000 So, where
- [Antioch Estates, Crestview FL - VA Compromise Sale](https://www.itswendy.com/antioch-estates-crestview-fl-va-compromise-sale/) - Dramatic touches make this Antioch Estates VA Compromise short sale home in Crestview Florida elegant. Inside columns, interesting windows, corner angle fireplace in the living room, wood laminate floors are some of the features. The kitchen has tiled backsplash and look crisp with white counters and opens to a bright breakfast nook. There is a formal dining with chair-rail
- [229 Moriarty St., Fort Walton Beach FL - HAP Home](https://www.itswendy.com/moriarty-st-fort-walton-beach-fl-hap-home/) - How about a big yard in the heart of Fort Walton Beach Florida? This Vesta Heights HAP home has distinctive feautures, like decorative archways and hall entries. There are lovely wood laminate floors in living room and hallway. The kitchen is tile, tile, tile, with tile counters, backsplash and floor! The dining room floor has an elegant design. Passthrough
- [6433 Starfish Cove, Navarre Florida – Lighthouse Point Short Sale](https://www.itswendy.com/starfish-cove-navarre-florida-lighthouse-point-short-sale/) - Lovingly decorated home in Lighthouse Point, Navarre Florida, with Santa Rosa Sound access. Beautiful creamy colors and upscale features. Kitchen is bright with breakfast bar, and partially open to the living with with trey ceiling. Long lazy porch overlooks back yard with storage shed. Baths have updated fixtures.Buyer to verify all data. Neighborhood has playground,
- [Bay Harbour Lot 73, Freeport Florida – Short Sale Building Lot](https://www.itswendy.com/bay-harbour-lot-freeport-florida-short-sale-building-lot/) - Huge lot in premier subdivision of Bay Harbour in Freeport Florida. Stunning views of the Choctawhatchee Bay. This lot is over .8 acres. Hook your line and catch some fish off the community dock. Grab your racket and play tennis on the Bay Harbour court, next to your lot, or play hoops on the basketball
- [Indian Lake Condo #355, Destin Florida - Bank of America Short Sale](https://www.itswendy.com/indian-lake-condo-destin-florida-bank-of-america-short-sale/) - Second floor Indian Lake short sale condo in the heart of Destin Florida. This tiled unit has a spacious floor plan, with kitchen open to the living, and light decor. Condo complex amenities include a community pool, picnic areas, exercise room, community room and on-site leasing office. Indian Lake is a good choice for an
- [Navarre Building Lot, Turkey Creek Estates](https://www.itswendy.com/navarre-building-lot-turkey-creek-estates/) - Beautiful large corner building lot on corner of Lincoln and Concord in Navarre Florida. This would be an excellent location to build your new home, close to Hurlburt Field and a short drive to Santa Rosa Sound for fishing or swimming in the beautiful Gulf of Mexico. Need a builder, too? We can recommend someone
- [3021 Yorktown, Fort Walton Beach Florida Short Sale](https://www.itswendy.com/yorktown-fort-walton-beach-florida-short-sale/) - Curb appeal with repeated roof peaks makes this Fort Walton Beach home say "Welcome"! Located in the Willow Bend neighborhood, it’s an ideal location for Eglin Air Force Base or Hurlburt Field commutes. Some key featuers are interesting architectural touches, cathedralled living room with fireplace, display arches. Roomy kitchen with many cabinets. The small lot
- [Navarre Florida Short Sale - Approved by Freddie Mac, Chase](https://www.itswendy.com/navarre-florida-short-sale-approved-by-freddie-mac-chase/) - This waterfront home in the Holley area of Navarre Florida was just approved as a short sale. The log home needs some work, is on over two acres, and on a bayou leading to East Bay. It went under contract in 74 days. Here are the details of the Chase short sale approval.
- [Crystal Village, Miramar Beach FL - Short Sale](https://www.itswendy.com/crystal-village-miramar-beach-fl-short-sale/) - Charming and bright, this Crystal Village short sale condo unit 2B in Miramar Beach Florida, is a few blocks from the beach. Located at 285 Payne St, there is a beautiful pool and landscaped grounds. Happy colors and fun, angled floorplan give this home a unique feeling. The kitchen is tiled and open to the living room.
- [Windward Short Sale, Bluewater Bay Florida - Approved Compass Bank](https://www.itswendy.com/windward-short-sale-bluewater-bay-florida-approved-compass-bank/) - This home in the Windward subdivision of Bluewater Bay, Niceville, Florida was just approved for short sale. Find the details below. Senior Lien: Wells Fargo Balance: $275,000 Junior Lien: Compass Bank Balance: $115,000 Original Purchase Price: $485,000 Market Value: $290,000 Status: Short Sale Approved by both lienholders Notes: Wells Fargo uses the Equator Platform for short sale processing. It is an online program where the short sale
- [Bank of America - The Industry Standard for Short Sales](https://www.itswendy.com/bank-of-america-industry-standard-for-short-sales/) - The key to success in any business is communications. This is equally true for the short sale industry. Which company sets the standard? Bank of America. Their model needs to be emulated by short sale lenders. They are leaps ahead in terms of responsive, communications, simplicity and efficiency of processing. I’ve done hundreds of short
- [Eglin AFB - HAP GAPS Ends - 2 Options Still Available](https://www.itswendy.com/eglin-afb-hap-gaps-ends-options-still-available/) - If you are an Eglin Air Force Base or Hurlburt Field seller thinking about HAP, (military Homeowners Assistance Program), you may not be aware that effective February 1, the GAPS (Government Assisted Private Sale) has ended. Since we are talking "military", there are a lot of acronyms, so I'll start with a quick explanation. HAP is the program run
- [Eglin AFB - Check Your Security Clearance Before You Short Sale](https://www.itswendy.com/eglin-afb-check-your-security-clearance-before-short-sale/) - Do you hold a government position, are you in the U.S. Military or are you a Federal contractor? These and many other jobs often require a security clearance. If you are considering short sale or foreclosure, proceed with caution or your position may be at risk. If you currently hold a security clearance, such as DOD “Confidential”, “Secret” or “Top
- [18 Bay Dr., NE, Elliotts Point, Fort Walton Beach FL -  Needs Work](https://www.itswendy.com/bay-dr-ne-elliotts-point-fort-walton-beach-fl-short-sale-needs-work/) - Inviting Fort Walton Beach Florida home in Elliotts Point with water view across the street from Choctawhatchee Bay. Elegant hardwood floors draw you in, with enormous living and family rooms. More space for entertaining with the heated and cooled Florida room, and large screened porch. The kitchen is long with many cupboards, and has a breakfast bar open
- [834 Church St., Santa Rosa Beach, FL - Chase Short Sale Approved](https://www.itswendy.com/church-st-santa-rosa-beach-fl-chase-short-sale-approved/) - This Church Street home in Santa Rosa Beach Florida was originally purchased as a short sale in 2009. For the second time, it is being sold as a short sale, just approved by J.P. Morgan Chase. The mortgage was backed by Ginnie Mae, and was a USDA loan, which offers mortgages to rural areas throughout the
- [Eglin HAP Question - Why Does Seller Bring Money to Closing?](https://www.itswendy.com/eglin-hap-question-why-does-seller-bring-money-closing/) - One of the biggest sources of confusion I find with Eglin Air Force Base HAP sales from the seller comes at closing. First, if you don't know what HAP is - it's the Homeowner Assistance Program from the Department of Defense. It's designed to help military members who have permanent change of station orders (PCS), and are "upside down"
- [Grande Pointe, Inlet Beach, Santa Rosa Beach FL - Regions Short Sale](https://www.itswendy.com/grande-pointe-inlet-beach-santa-rosa-beach-fl-regions-short-sale/) - Gorgeous building lot #83 in elegant Grande Pointe subdivision in Inlet Beach. You will be enchanted with this neighborhood in Santa Rosa Beach Florida. Impressive entrance, community pool, "Amenities" pavilion with kitchen and community dock. Located on Lake Powell, east of Rosemary Beach, you will be near public beach access and miles of biking trails. Well-located for the South Walton 30-A lifestyle, the
- [303 N Holiday Rd., Miramar Beach FL - Short Sale Approved in 60 Days](https://www.itswendy.com/n-holiday-rd-miramar-beach-fl-short-sale-approved-days/) - This home at 303 N Holiday Rd., Miramar Beach Florida was just approved for short sale. This was the second buyer for this home in Holiday Shores, as the first buyer defaulted (failed to close). There was only one mortgage holder. According to Bank of America, the property did not qualify for the HAFA program, so
- [Citi - VA Compromise Sale Approved in The Meadows - Navarre FL](https://www.itswendy.com/citi-va-compromise-sale-approved-meadows-navarre-fl/) - This home in The Meadows, in Navarre Florida was just approved as a VA Compromise Sale. The gorgeous 2008 property with in-ground pool and three car garage, went under contract in about 30 days. We prepared the VA short sale package for Citi Mortgage, faxed it, followed up and received approval for our seller in 24 days!
- [Destin Florida Short Sale Agent In Kiplinger Magazine](https://www.itswendy.com/destin-florida-short-sale-agent-kiplinger-magazine/) - I was flattered to have been recently interviewed by Kiplinger Magazine regarding the state of short sales. The story, "Escape the Debt Trap" is in the February edition of the magazine. It highlighted one of my Destin Florida real estate client's experiences in short sales of her properties in Destin and Santa Rosa Beach, Florida. Angela Angelovic hired me to
- [Fort Walton Beach, Ocean City, Florida Home Sold in 60 Days](https://www.itswendy.com/fort-walton-beach-ocean-city-florida-home-sold-days/) - This beautiful Fort Walton Beach Florida home, near Lowe's and Sam's, was sold in just over 60 days! Part of the appeal of 728 Hart Dr. was the fantastic remodeling, especially in the kitchen. Granite counters, tile backsplashes, new cabinets and new appliances were some of the upgrades. The home, built in 1987, was over 1700 square
- [1215 Thomason Dr., Pine Meadows, Fort Walton Beach Florida - Short Sale](https://www.itswendy.com/thomason-dr-pine-meadows-wright-florida-short-sale/) - This is a fun home at 1215 Thomason Dr., with eclectic and enticing touches in Pine Meadows, Fort Walton Beach, FL. Some of the interesting elements are the arched pass-through from kitchen, repeating arch accent above kitchen entrance. Vibrant pendant lights above breakfast bar. Popping red tray ceiling, dining room with lively and inviting wall decor. Mostly tile and wood
- [Regatta Bay Foreclosures Should Have Been Short Sales](https://www.itswendy.com/regatta-bay-foreclosures-should-have-been-short-sales/) - Regatta Bay, the gated golf course subdivision in Destin Florida, had 14 sales in 2011. Six were short sales and four were foreclosures, making distressed home sales the bulk of the market in Regatta Bay. Who were the lien holders for these Destin homes? Some of the short sale lenders were Flagstar, Suntrust, and Chase. The foreclosed homes that sold were owned by PHH
- [Destin Commercial Office Space for Lease](https://www.itswendy.com/destin-commercial-office-space-for-lease/) - Furnished Destin office space for rent in Miramar Plaza with room for two to three employees or a generous single-person executive suite. Includes two-three new Hon desks and chairs and sound absorbing room divider. This large office has hall window and full glass door for open feeling, and is located in a contemporary commercial condo in Miramar
- [Indian Lake Condo, Destin FL - Sold as Bank of America Short Sale](https://www.itswendy.com/indian-lake-condo-destin-fl-sold-as-bank-of-america-short-sale/) - This bright two bedroom, two bath Indian Lake condo in Destin Florida just sold as a short sale. The unit was fully tiled and had a vaulted ceiling in the living room. There was a tenant in place, who was retained by the new investor buyer. The Indian Lake condo association offers amenities such as a
- [326 Cullman Ave., Grove by the Sea, Santa Rosa Beach FL - Just Sold](https://www.itswendy.com/cullman-ave-grove-by-sea-santa-rosa-beach-fl-just-sold/) - 326 Cullman Avenue in Grove by the Sea just sold as a short sale. The Santa Rosa Beach Florida property needed significant work, but was located in a prime subdivison near Seaside, Watercolor and the Gulf of Mexico. Grove by the Sea has two community pools and a tennis court. There is a lovely walking trail highlighted by
- [Town of Santa Rosa 10-Home Subdivision Approved for Short Sale](https://www.itswendy.com/town-of-santa-rosa-home-subdivsion-approved-for-short-sale/) - This was one of the most unusual short sales I've ever gotten approved. It all started when an investor with a PNC mortgage called me about his property in Santa Rosa Beach Florida. He had purchased the new construction home sight-unseen seven years ago in the Town of Santa Rosa. It was in a small
- [Respect - One of the Greatest Gifts You Can Give](https://www.itswendy.com/respect-one-of-greatest-gifts-can-give-others/) - I was amazed the other day when I got a real estate listing from a service provider I know. I’m talking about someone like a repairman, UPS deliveryman, postal worker-- not in a business directly related to real estate. He called my office to set an appointment to list his elderly parents’ Destin Florida property. When he
- [1987 Alfred Blvd, Marion Manor, Navarre FL - HAP Home For Sale](https://www.itswendy.com/alfred-blvd-marion-manor-navarre-fl-hap-home-for-sale/) - This sharp HAP home in Marion Manor, Navarre Florida, is just what you need to welcome the New Year. It sparkles! The living room, kitchen and breakfast area all have cathedral ceilings for an open feeling. The kitchen has breakfast bar, pantry, and plenty of cabinet and counter space, and is adjacent to tiled eat-in area.
- [3 Reasons to Sell Your Destin Florida Home Now](https://www.itswendy.com/reasons-sell-your-destin-florida-home-now/) - “ We want to wait until after the Holidays to put our home up for sale.” Every year I hear that mantra from potential Destin Florida real estate sellers. Well, guess what? So does everyone else. Here are three reasons why you shouldn’t wait to list your Destin home now, instead of January: Less Competition.
- [When You Are Wrong - Do You Admit It?](https://www.itswendy.com/when-wrong-do-admit/) - I just admitted I goofed. It was something minor - a data field for a Destin FL Bank of America short sale. I accidentally entered the wrong property tax amount. Or, shall I say, I was doing too many things at once and should have checked my work. No harm was done, but the negotiator
- [Destin Florida Short Sale Broker Never Gives Up](https://www.itswendy.com/destin-florida-short-sale-broker-never-gives-up/) - I am humbled when I receive kind testimonials from my Emerald Coast of Florida real estate clients. I just received the following survey responses from short sale sellers in Destin and Navarre Florida. One of the keys to a successful short sale transaction is to "never give up". I found it amazing that both of these sellers
- [Is Your Santa Rosa Beach Realtor Responsible for Lawn Care and Utilities?](https://www.itswendy.com/your-santa-rosa-beach-realtor-responsible-for-lawn-care-utilities/) - Every once in a while I run into a situation where a Santa Rosa Beach FL short sale seller does not have the funds to keep their utilities on. Their yard is overgrown. They cannot pay for lawn care. When this is the case, what do you do? I know agents who pay for
- [Destin Realtor Finds Docusign - And Doesn't Look Back](https://www.itswendy.com/destin-realtor-finds-docusign-doesnt-look-back/) - I am usually on the tech edge. As a Destin Realtor, I've found that buzzing on social networks, blogging using Wordpress and Activerain, and promoting my listings all over the internet is a great way to run a business. I also like using software that adds efficiency and pizzazz, and I've learned about many of
- [Is There Hope for a Directionally Challenged Realtor?](https://www.itswendy.com/there-hope-for-directionally-challenged-realtor/) - They laugh at me. They shake their heads. “Don’t ask Wendy for directions!”, they say. Why? I am “directionally” challenged. It happened again just this morning. I had a meeting with a fellow Realtor and an attorney. The attorney’s office is located about a quarter mile from my Destin real estate office and near my
- [Why You Shouldn't List Your Fort Walton Beach Home with Tenant](https://www.itswendy.com/why-shouldnt-list-your-fort-walton-beach-home-tenant/) - Remember when you could easily sell a single family home with a tenant in place? There were investors who would buy these types of properties in the Fort Walton Beach Florida metro market all the time. Not any more. Today, most single family and townhome buyers want a home they can move into immediately. Many
- [Where Does a Destin Realtor Go On Vacation?](https://www.itswendy.com/where-does-destin-realtor-go-on-vacation/) - What does a Destin Florida real estate agent do for vacation? When you live by the beautful Gulf of Mexico, in a small resort town in the South, you do the opposite, of course. Head North! And North I went, back to my roots in the Northeast. Having grown up in Connecticut, it was time to visit
- [Your Destin Home is Under Contract for Short Sale - What Now?](https://www.itswendy.com/your-destin-home-under-contract-for-short-sale-now/) - Your Destin Florida home is for sale as a "short sale". You're about $300,000 "upside down". You just received an offer you feel is too low. I agree - it is a waste of time to send a contract significantly lower than market value to your short sale lender. So you counter the buyer's offer, they accept, and
- [Port Dixie, Shalimar Florida Short Sale Approved - Seterus and CCO](https://www.itswendy.com/port-dixie-shalimar-florida-short-sale-approved-seterus-cco/) - This home in the Port Dixie neighborhood Shalimar Florida has been approved for short sale. There were two mortgages, Seterus(formerly LBPS), and CCO Mortgage for a total encumbrance of about $227,000. Senior Lien: Seterus Balance: $190,000 Junior Lien: CCO Balance: $37,000 Property Value: $140,000 This short sale was approved by Seterus in just four weeks. They allowed 6%
- [Navarre Florida Home with Pool - The Meadows](https://www.itswendy.com/navarre-florida-home-pool-meadows/) - Exquisite all brick 4 bedroom, 3 bath custom home in the upscale community of The Meadows in Navarre, Florida. Walking into this split bedroom floor plan you'll be impressed with the large rooms and the openess of the living areas. 10 foot high ceilings, lots of windows, painted in warm colors. The back yard
- [Grove by the Sea, Santa Rosa Beach FL - Short Sale Approved](https://www.itswendy.com/grove-by-sea-santa-rosa-beach-fl-short-sale-approved/) - This Grove by the Sea home near Seaside Florida in Santa Rosa Beach was just approved for short sale. Located in a subdivision of mostly larger homes, this property needed work. The air conditioner did not function, there was some water damage to the floors, and the landscaping was a jungle. Bank of America had two
- [Vericrest and SLS Approve Holiday Isle, Destin FL Short Sale](https://www.itswendy.com/vericrest-sls-approve-holiday-isle-destin-fl-short-sale/) - This Holiday Isle home in Destin Florida has been approved for short sale. A large home at over 3000 square feet, and yards from the Gulf of Mexico, it was originally purchased for a million dollars in 2005. Here are the short sale details: Senior Lien: Vericrest Financial Senior Balance: $845,000 Junior Lien: Specialized Loan Servicing (SLS) Junior
- [728 Hart St., Fort Walton Beach FL Home for Sale with Large Lot](https://www.itswendy.com/hart-st-fort-walton-beach-fl-home-for-sale-large-lot/) - This exquisitely remodeled Fort Walton Beach Florida home at 728 Hart Street has a masterpiece kitchen and almost half acre lot. The entire house is sumptuously decorated and inviting. In 2006, the living space was expanded with a new room off the kitchen and new laundry room, as well as new roof and air conditioner, carpet, doors and
- [Crestview Florida HAFA Home Sold in Countryview Estates](https://www.itswendy.com/crestview-florida-hafa-home-sold-countryview-estates/) - This short sale home at 1243 Ego Dr. in Countryview Estates, Crestview Florida just sold using the HAFA program. What is HAFA? It is the "Home Affordable Foreclosure Alternatives" Program that is sponsored by the Treasury Department to help homeowners who cannot make their mortgage payments, need to sell and don’t have enough equity to
- [Mary Esther Florida Pre Foreclosure Off Hollywood Blvd.](https://www.itswendy.com/mary-esther-florida-pre-foreclosure-off-hollywood-blvd/) - Notice this sharp Mary Esther Florida home at 172 Miramar Street? It's got style with cool windows, faux paint, cathedral ceiling and step down living room! The main living areas are tile and the bedrooms have wood laminate flooring. The corridor kitchen is bright with recessed lighting and tiled floor and has access to the
- [104 Sandstone Tr., Redstone Estates, Crestview Florida Short Sale](https://www.itswendy.com/sandstone-tr-redstone-estates-crestview-florida-short-sale/) - Imagine - dim lights and glowing embers from your fireplace on a cool Crestview Florida evening. This elegant brick home in Redstone Estates is well suited to relaxing in style. The living room makes a statement with its dramatic fireplace and architectural elements. Find nooks, plant ledges and a cathedral ceiling which spans the kitchen, living
- [1120 Sandalwood, Woodlands Bluewater Bay Lot for Sale](https://www.itswendy.com/sandalwood-woodlands-bluewater-bay-lot-for-sale/) - Yes, there really is a Niceville, Florida, and you can live there! Build the Bluewater Bay home you've always wanted on this large wooded lot in the Woodlands. This Niceville Florida homesite is located on a circle street and backs up to Eglin reservation. The lot size is approximately 90 x 199. Minimum new home size must be
- [Destin Short Sale Sellers Get Cash Back From Bank of America](https://www.itswendy.com/considering-florida-short-sale-bank-of-america-offering-huge-bonus-sellers/) - Have you been sitting on the fence about selling your Destin or Santa Rosa Beach Florida property as a short sale? Now may be the time to act. Bank of America has just announced that Florida sellers may be able to receive $5000 to $20,000 cash incentive at closing for completing a short sale. There
- [Just Sold - Lighthouse Point, Navarre Florida - VA Compromise Sale](https://www.itswendy.com/just-sold-lighthouse-point-navarre-florida-va-compromise-sale/) - This home at 6444 Starfish Cove, Navarre Florida has just sold. Located in Lighthouse Point, owners here have access to a private dock and access to Santa Rosa Sound. Hurlburt Field is only a short commute, as is Navarre Beach and the Gulf of Mexico. The home was sold as a VA Compromise Sale, which is a type
- [Donna Gentle Joins Rulnick Realty in Destin Florida](https://www.itswendy.com/donna-gentle-joins-rulnick-realty-destin-florida/) - Rulnick Realty welcomes Donna Gentle as sales associate in Destin Florida. Originally from Miami, Donna has been involved in the real estate and construction industries since 1987. She has been sales and project manager for new construction, and led sales teams for new home developments. She previously sold real estate in Cape San Blas and with
- [Islander Beach Resort – Okaloosa Island Short Sale - Fort Walton Beach Florida](https://www.itswendy.com/islander-beach-resort-okaloosa-island-short-sale-fort-walton-beach-florida/) - Wow! Gorgeous Okaloosa Island water front Islander Beach Resort condo with commanding vistas of the Gulf of Mexico. Walk out from your condo to the pool and white sandy beaches of Fort Walton Beach Florida. There is a large private balcony made for surf watching beyond the green umbrellas which punctuate the shoreline.
- [Seychelles #701, Panama City Beach Florida - Beachfront Condo](https://www.itswendy.com/seychelles-panama-city-beach-florida-beachfront-condo/) - This Seychelles, Panama City Beach Florida beachfront condo has fun popping colors and tremendous views that will bring you smiles! The pre foreclosure, short sale unit has some of the best vistas on the Emerald Coast. It is elegant and unusual. The wrap around balcony runs the entire length of the unit offering extraordinary views
- [Emerald Village, Fort Walton Beach Florida - HAP Home Sold](https://www.itswendy.com/emerald-village-fort-walton-beach-florida-hap-home-sold/) - This spacious home just sold as a HAP sale in Emerald Village, Fort Walton Beach, Florida. HAP is the Homeowners Assistance Program for U.S. military members who have orders to relocate (PCS). When the service member's home cannot be sold at a price sufficient to cover an existing mortgage, HAP may pay some, if not all, of
- [Elation Condo #5720, Sandestin Florida - Just Sold](https://www.itswendy.com/elation-condo-sandestin-florida-just-sold/) - This beautiful Elation short sale condo in Sandestin Florida just sold! It had views of the Bay nature preserve. Of course, one of the top reasons to own in Elation is Sandestin Resort. Home to dining, shopping, nightlife, spas, swimming, tennis, golf and the Village of Baytowne Wharf. Elation condominium are located in a quiet corner of
- [198 Somerset Bridge, Bungalows at Seagrove Beach FL - Just Sold](https://www.itswendy.com/somerset-bridge-bungalows-at-seagrove-beach-fl-just-sold/) - We just sold a fabulous home in popular Bungalows at Seagrove Beach. Located in Santa Rosa Beach, Florida, not far from Seaside and Watercolor, this well-thought out subdivision has a pool, and is just steps to the beach. The short sale home, set on a lake, was under contract in less than a week, and
- [Copying Old MLS Data?  Not A Good Idea](https://www.itswendy.com/copying-old-mls-data-not-good-idea/) - Where do you get your data when you get a new listing? Do you just cut and paste square footage, room sizes and school district from a previous sold or expired listing without verification? One of my Destin buyer agents just ran into this. She had written a contract on a short sale listing.
- [109 Dell Rd., Fort Walton Beach Florida - HAP Home for Sale with Pool](https://www.itswendy.com/dell-rd-fort-walton-beach-florida-hap-home-for-sale-pool/) - This Ocean City, Garniers Beach HAP home in Fort Walton Beach was rebuilt from the inside out, and it shows! The gorgeous remodeling still honors the classic Florida style. All new: windows, floors, plumbing, doors, lighting fixtures, bath fixtures, crown moulding, drywall in living room, and totally redone landscaping. Walk in and first see
- [My Real Estate Agent Says to Take The Short Sale Deficiency](https://www.itswendy.com/my-real-estate-agent-says-take-short-sale-deficiency/) - Are you trying to short sale your Destin Florida home, but have multiple mortgages? Then you'll be interested in reading the following question I received from a homeowner: "We have short sale approval letters from both Wells Fargo and a HELOC with Wells Fargo. I am happy with the primary letter, but my question is
- [Scammed](https://www.itswendy.com/scammed/) - Yesterday I was intrigued by a new show on the History Channel called “Scammed”. The premier highlighted how everyday people were targets of criminal schemes, from seemingly innocent “bumps” on the street to elaborate investment schemes. I found it amazing as to what lengths these hooligans will go to rip someone off. The segment that
- [781 Majestic, Eagles Landing, Crestview Florida - Short Sale](https://www.itswendy.com/majestic-eagles-landing-crestview-florida-short-sale/) - Pre foreclosure townhome located Eagles Landing, Crestview Florida. Neutral colors are the perfect backdrop for your decor. Crown moulding adds elegance. Have more fun cooking with a pass-through window to your living area. Both bedrooms have large walk-in closets and their own private bathrooms. French doors lead you to your private patio and a maintance
- [17 Okahatchee, Elliotts Point, Fort Walton Beach Florida - Pre Foreclosure](https://www.itswendy.com/okahatchee-elliotts-point-fort-walton-beach-florida-pre-foreclosure/) - Do you love Elliotts Point in Fort Walton Beach Florida? This short sale home at 17 Okahatchee Circle will intrigue you. The classic 1950’s white home stands out amongst mature trees on its corner lot. It is a charming 4 bedroom house with plentiful windows which add character. Spacious rooms with tile in the main
- [106 Oak Terrace, Shoal Terrace Estates, Crestview Florida - Short Sale](https://www.itswendy.com/oak-terrace-shoal-terrace-estates-crestview-florida-short-sale/) - Appealing Crestview Florida short sale home in Shoal Terrace Estates with large fenced yard. This one story house is bright with a bow window and contemporary with cathedral and tray ceilings.Top chef? You'll appreciate the gas stove in the tiled kitchen. Many updates including new carpet in the bedrooms and new tile. My favorite feature?
- [Emerald Lakes, Destin Florida Short Sale Approved](https://www.itswendy.com/emerald-lakes-destin-florida-short-sale-approved/) - This home in Emerald Lakes, Destin Florida, was just approved for short sale. An uncommon scenario, it had three liens. The first was an IndyMac mortgage, the second, a Bank of America home equity line, and the third, a judgment from another creditor. The seller’s attorney said the short sale could not be accomplished, especially
- [Bay Harbour, Lot 3, Freeport Florida - Bay Front Short Sale](https://www.itswendy.com/bay-harbour-lot-freeport-florida-bay-front-short-sale/) - Gorgeous bay front short sale lot in the premier subdivision of Bay Harbour in Freeport Florida. Enjoy stunning sunsets over the Choctawhatchee Bay and private conservation land across the street. Hook your line and catch some fish off the community dock. Grab your racket and play tennis on the Bay Harbour court, or play hoops
- [1201 Windward Circle, Bluewater Bay, Niceville Florida Short Sale Home](https://www.itswendy.com/windward-circle-bluewater-bay-niceville-florida-short-sale-home/) - Lovely Mediterranean home located in the gated neighborhood of Windward at Bluewater Bay, Niceville, Florida. This short sale has beautifully manicured trees, bushes and tropical plants highlighting the white stucco and red tile roof. The interior is spacious and bright with vaulted ceilings in every room. Terra cotta Mexican tile and wood flooring throughout with beautiful marble
- [What is Wrong With This Destin Short Sale Story?](https://www.itswendy.com/wrong-destin-short-sale-story/) - Buying or selling short sales can be lengthy and complicated. This story illustrates how important it is to hire an experienced agent when buying or selling a short sale. One of the real estate agents wrote an offer on a short sale last week in Destin Florida. She is quite experienced, never complains, but
- [Hurricane Preparedness from a Destin Floridian](https://www.itswendy.com/hurricane-preparedness-from-destin-floridian/) - Hi, my East Coast friends! We are all worried about Hurricane Irene, and the possibility you will be impacted. I have family in Connecticut, Maryland and New Jersey, and real estate friends from all over the Eastern seaboard. You may not have gone through a major hurricane in your lifetime. Since I have lived
- [Indian Lake Condo, Destin Florida - Bank of America Coop Short Sale](https://www.itswendy.com/indian-lake-condo-destin-florida-bank-of-america-coop-short-sale/) - This Indian Lake condo in Destin Florida is a Bank of America Cooperative Short Sale. What is that? It means the list price and the seller have been pre-approved for short sale. Bank of America's coop short sale program is an alternative to HAFA, which is the Treasury Department's Home Affordable Foreclosure Alternatives program. One
- [Why Are They Foreclosing on My Santa Rosa Beach Home -- I Have A Short Sale Contract?](https://www.itswendy.com/why-they-foreclosing-on-my-santa-rosa-beach-home-i-have-short-sale-contract/) - One of my short sale sellers called me confused the other day. We had his Santa Rosa Beach Florida home under contract as a short sale. The mortgage holder, Bank of America, had approved the sale recently, and we were moving toward closing. "Why is Bank of America still sending me letters threatening foreclosure of my Santa Rosa Beach home?" he asked,
- [3112 Hickory St., Navarre FL - Short Sale - Waterfront Acreage](https://www.itswendy.com/hickory-st-navarre-fl-short-sale-waterfront-acreage/) - If you love nature, this is your home at 3112 Hickory St., Navarre Florida! A short sale, it has 2.5 acres on small bayou that goes to East Bay. Set deep on a wooded lot, this Navarre home feels like a rustic cabin in the woods. Inside find a cathedral ceiling, pine board walls, and stone
- [Larry Hughes Joins Rulnick Realty, Destin Florida](https://www.itswendy.com/larry-hughes-joins-rulnick-realty-destin-florida/) - Larry Hughes has joined Rulnick Realty in Destin Florida as Buyer Specialist. Licensed as a Realtor in 2003, he is experienced throughout Okaloosa and Walton counties. Larry is a Graduate of the Realtor Institute and very methodical in his business of finding the perfect property for his clients. As a licensed Florida state-certified residential contractor, Larry
- [Beach House Condo 602C, Destin FL 32541 - Gulf Front Condo for Sale](https://www.itswendy.com/beach-house-condo-c-destin-fl-gulf-front-condo-for-sale/) - Another Beach House gulf front condo for sale in Destin Florida! Unit 602C comes with 650 feet of beach frontage. You won't believe the commanding views from this top floor unit. Positioned directly over the pool and beach walk-down, watch as the surf hits the white sand of the Emerald Coast. Sit on your
- [2022 Eagle Ln, Holley by the Sea, Navarre FL - VA Compromise Sale](https://www.itswendy.com/eagle-ln-holley-by-sea-navarre-fl-va-compromise-sale/) - Lovely, private brick home at 2022 Eagle Lane, Navarre FL. This VA Compromise Sale home in Holley by the Sea has a huge fenced yard at end of cul-de-sac. The inside is open and airy with vaulted ceilings and lots of tile floors. The kitchen is loaded with counterspace and cabinets, and has pass-through to dining
- [834 Church St., Santa Rosa Beach Florida 32549 - Short Sale](https://www.itswendy.com/church-st-santa-rosa-beach-florida-short-sale/) - If you are looking for a Santa Rosa Beach Florida home with lots of pizzaz, this is it! 834 Church St., in Pleasant Acres is a "wow" house! Very impressive upon entry, with expansive columned living room, crown moulding, richly colored wood floors and transom windows. The kitchen has granite counters, stainless appliances, convection oven
- [552 Woodlow Rd, Niceville, FL 32578 - Creekside short sale](https://www.itswendy.com/woodlow-rd-niceville-fl-creekside-short-sale/) - Wonderful Niceville Florida short sale home at 552 Woodlow Road! This 4 bedroom, 2 bath house is located is the quiet neighborhood of Creekside. This home has received a lot of tender loving care. There is tile in the kitchen and breakfast area and tile countertops. The living room has a floor-to-ceiling brick, wood-burning fireplace, and French doors
- [The Oaks, 1501 Partin Dr., #233, Niceville FL 32578 - Short Sale Condo](https://www.itswendy.com/oaks-partin-dr-niceville-fl-short-sale-condo/) - Charming Niceville short sale condo in the popular development of The Oaks. The location is premium with Eglin Air Force Base less then 15 minutes away, and less than 1 mile to the Elementary, Ruckel and Niceville High Schools. The large living room features a vaulted ceiling and balcony. There is tile flooring in the kitchen, foyer
- [1725 Turkey Oak Dr., Sound Hammock, Navarre FL - Waterfront Short Sale Lot](https://www.itswendy.com/turkey-oak-dr-sound-hammock-navarre-fl-waterfront-short-sale-lot/) - Live on the beautiful Santa Rosa Sound in Navarre Florida! This waterfront short sale lot in Sound Hammock already has a seawall, and is located in a small, developed subdivision. You can have your home built with approximately 60 feet on the sound. Enjoy use of the neighborhood dock and pool. Bring your fishing pole
- [Beach House Condo for Sale, Miramar Beach Florida - Waterfront](https://www.itswendy.com/beach-house-condo-for-sale-miramar-beach-florida-waterfront/) - This Beach House waterfront condo for sale in Destin Florida comes with 650 feet of beach frontage. This first floor unit is perfect for those with young children and will attract many renters. Sit on your patio and watch sunrises and sunsets over the Gulf of Mexico while the younger ones play on the lawn.
- [How Many Calls Do You Make Before You Become Annoying?](https://www.itswendy.com/how-many-calls-do-make-before-become-annoying/) - Even though this is a real estate blog, I have to tell a story that you might relate to. It’s about buying carpet. Yes, that’s me. I decided to finally change out the old carpet in my house and get something new. Where did I go? Home Depot, of course! My adventure started with
- [Cherokee Bend, Crestview FL - Approved Short Sale by Bank of America and Eglin Federal](https://www.itswendy.com/cherokee-bend-crestview-fl-approved-short-sale-by-bank-of-america-eglin-federal/) - This home in the Cherokee Bend subdivision was just approved for VA Compromise Sale and short sale. 2838 Tamiami Trail, Crestview Florida had two liens, Bank of America and Eglin Federal Credit Union. The Bank of America mortgage was a VA guaranteed loan, and Eglin Federal was a home equity line of credit.
- [Don't Let This Santa Rosa Beach Short Sale Scare You!](https://www.itswendy.com/dont-let-santa-rosa-beach-short-sale-scare/) - This Town of Santa Rosa short sale home has great potential for the handyman! Don't let the boarded up windows scare you! The inside features cream colors, vaulted ceiling and archway between columns, adding pizzaz. The master suite has a his and her walk-in closets and double vanity in the master bath. There is huge
- [Lighthouse Pointe, Navarre FL - Approved VA Compromise Sale](https://www.itswendy.com/lighthouse-pointe-navarre-fl-approved-va-compromise-sale/) - This home in Lighthouse Pointe, Navarre Florida, was just approved for a VA Compromise Sale. A VA Compromise Sale is similar to a short sale, but is used for loans guaranteed by the Veterans Administration. Since the Emerald Coast is home to Eglin Air Force Base, Hurlburt Field, Whiting Field and Duke Field, many local sellers have
- [285 Payne St., Crystal Village, Miramar Beach FL - Just Sold](https://www.itswendy.com/payne-st-crystal-village-miramar-beach-fl-just-sold/) - This condo unit in Crystal Village, Miramar Beach Florida just sold as a short sale! This second floor condo has a great view of the pool and grounds from living room and private balcony. Unit is delightfully painted in vibrant colors. Pleasing furnishings and accents highlight the beach lifestyle. Kitchen is tiled, open to living room,
- [6542 Watermark Cv, Lighthouse Pointe, Navarre FL - VA Compromise Sale](https://www.itswendy.com/watermark-cv-lighthouse-pointe-navarre-fl-va-compromise-sale-editdelete/) - A "homey" Lighthouse Pointe short sale home in Navarre Florida with brick fireplace, wood laminate floors, interesting angles, plant ledges and high ceilings. Kitchen and dining areas are tiled along with both bathrooms in 2007. Kitchen counters expanded with added cabinetry and workstation. Other improvements are new carpet, well and sprinkler. This Lighthouse Pointe short sale home in
- [FTC MARS Ruling Reversed for Florida  Short Sale Agents - Maybe](https://www.itswendy.com/ftc-mars-ruling-reversed-for-florida-short-sale-agents-maybe/) - Finally, the months of dealing with the over-the-top FTC MARS disclosures may be coming to an end for Florida short sale agents. The FTC, in its role of protecting consumers, made a laborious requirement for any business helping short sale sellers or providing mortgage rescue services back in December. The FTC deemed disclosure upon disclosure would be required
- [2932 Pine Valley, Burnt Pine Short Sale, Sandestin FL - Just Sold](https://www.itswendy.com/pine-valley-burnt-pine-short-sale-sandestin-fl-just-sold/) - This unique short sale home at 2932 Pine Valley, in the Burnt Pine subdvision of Sandestin just sold. It was built for privacy, surrounded by woods and nature on all sides. The contemporary, stylish Burnt Pine home had tall ceilings, cherry floors and monumental windows showcasing the surrounding forest. The kitchen had granite counters and drop lights. The
- [Seagrove by the Sea, Duplex Condo Short Sale, Santa Rosa Beach FL 32459](https://www.itswendy.com/seagrove-by-sea-duplex-condo-short-sale-santa-rosa-beach-fl/) - You'll love life in this classicly styled Seagrove Beach short sale duplex condo on the south side of 30-A! "Aerie" is an exceptional, rare 5-6 bedroom, 3 story condo beachside, with gulf view in a gulf-front complex. Outstanding Gulf views from third floor master bedroom suite. The large private pool serves only 5 condo
- [Rulnick Realty Hires Kathy Schwietz in Destin FL](https://www.itswendy.com/rulnick-realty-hires-kathy-schwietz-destin-fl/) - Rulnick Realty is pleased to announce the hiring of Kathy Schwietz as Client and Marketing Manager in its Destin Florida office.. Kathy has 14 years experience in the field of real estate administration. She excels in graphics, web design and print media advertising. Kathy is a well-versed photographer who has done aerial photography in the
- [Home Just Sold in Escada, Santa Rosa Beach FL 32549](https://www.itswendy.com/home-just-sold-escada-santa-rosa-beach-fl/) - This lovely Escada short sale home at 486 Calle Escada, Santa Rosa Beach Florida just sold. The home had 9-10 foot ceilings, open, custom floorplan, living room with fireplace, double French doors with transom windows open to large covered patio. The master bedroom was a "suite", with huge walk-in closet. The Escada subdivision in Santa
- [Amalfi Coast Condo Unit 221, Destin FL 32550 - Just Sold](https://www.itswendy.com/amalfi-coast-condo-unit-destin-fl-just-sold/) - This Amalfi Coast short sale condo unt 221 in Destin Florida just sold. The spacious unit, over 1300 square feet, is two bedrooms and two full baths. The Amalfi Coast condo complex has gulf views, and yards of deeded beach access to the Gulf of Mexico. Amalfi Coast is set on eight lavish acres, with two pools, two tennis courts,
- [532 Tikell Dr., Antioch Estates, Crestview FL 32536 - Just Sold](https://www.itswendy.com/tikell-dr-antioch-estates-crestview-fl-just-sold/) - This appealing home at 532 Tikell Dr., Antioch Estates, Crestview FL just sold. Painted in rich red and cream tones, it has a dramatic entrance into the cathedralled living room. Laminate wood flooring in living room and halls, tile kitchen and baths, berber carpet in bedrooms make this home special. It also has a wood burning fireplace, fenced
- [What is Your Destin Real Estate Company's Corporate Culture?](https://www.itswendy.com/your-destin-real-estate-company-corporate-culture/) - The other day a mortgage broker came in to my Destin real estate office to discuss his products. After some small talk, he asked what my corporate culture was. “What do you mean?”, I asked. He said, “You can just tell when you walk in the door of some companies, what they are
- [Use Florida Homestead Laws To Help Your Destin Short Sale Even with Judgments and Liens](https://www.itswendy.com/how-florida-homestead-laws-might-help-short-sale-judgments-liens/) - If you are selling your Destin Florida home as a short sale, and get an approval, all is wonderful, right? Not necessarily, especially if there are judgments against you from other creditors filed in the State of Florida. For example, you may owe $25,000 on a charged-off credit card, have a defaulted car loan, small business
- [My First Canoe Trip at Milton Florida's Adventures Unlimited](https://www.itswendy.com/my-first-canoe-trip-at-milton-floridas-adventures-unlimited/) - My first “Canoe Adventure”. My husband popped the question Thursday night. You know how guys are? They wait until the last minute to ask you something. His work group was going on a river canoe trip the next day. Did I want to go? He thought I'd say no, because I don't like bugs, hate humidity and don't
- [You Should Consider HAP for Eglin PCS to Avoid Foreclosure or Short Sale](https://www.itswendy.com/should-consider-hap-for-eglin-pcs-avoid-foreclosure-or-short-sale/) - HAP is the Homeowners Assistance Program that helps Eglin Air Force Base or Hurlburt Field airmen PCSing to new bases who have upside-down equity in their homes. That is, their mortgage balances are more than the fair market values of their properties. HAP helps those military members who are ordered to transfer to new
- [198 Somerset Bridge #107, Bungalows at Seagrove FL - Short Sale](https://www.itswendy.com/somerset-bridge-bungalows-at-seagrove-fl-short-sale/) - A welcoming cottage home in Bungalows at Seagrove Beach Florida, just steps to the pool and beach. This Santa Rosa Beach short sale home is on a lake filled with fish, turtles and herons. You'll feel nature at your window at every meal with a lakeside view. This cottage home is bright and clean. The kitchen
- [Do You Write Just Any Old Destin FL Offer To See If It Sticks?](https://www.itswendy.com/do-write-just-any-old-offer-see-if-sticks/) - In the past few weeks, I’ve received some crazy offers on my Destin Florida listings.For example, 30% lower than list price, or only allowing 10 days for short sale approval, or very low price plus all seller-paid closing costs. To protect the innocent, those are only a few of the rash of offers I’ve
- [PCS from Eglin AFB? Another Navarre FL HAP Home Sold](https://www.itswendy.com/pcs-from-eglin-afb-navarre-fl-hap-home-sold/) - This gorgeous home at 2408 Kodiak Ct., Navarre Florida was just sold using the HAP program. What is HAP? It's short for Homeowner Assistance Program, and is a Department of Defense relocation benefit to U.S. Armed Forces members who meet certain requirements. It's a terrific help for Eglin Air Force Base, Hurlburt Field and Duke
- [235 Wekiva Cove, Emerald Lakes, Destin FL 32541 - Home For Sale](https://www.itswendy.com/wekiva-cove-emerald-lakes-destin-fl-short-sale/) - Impressive Destin Florida short sale home in Emerald Lakes with plenty of individuality. Tucked away on the circle part of Wekiva Cove, this elegant home is a stand out. The interior, recently tiled and painted throughout, has 9-10' ceilings, and a unique layout. The kitchen has new modern cabinets, quartz countertops, stainless steel appliances, new
- [You Can Sell Your High Dollar Loss Sandestin Short Sale](https://www.itswendy.com/can-sell-your-high-dollar-loss-sandestin-short-sale/) - Do you think your mortgage is “too upside down” to do a short sale? Think again. Many Sandestin Florida homeowners bought houses and condos with loans over a million dollars in 2004-2007. Today, those property values might worth one-half of their original purchase price. With such high dollar losses and faced with financial difficulty,
- [Yes You Can Get Your Amalfi Condo Short Sale Approved!](https://www.itswendy.com/yes-can-get-your-amalfi-condo-short-sale-approved/) - Yes, you can get a short sale approval with Vericrest and Flagstar on your Amalfi Coast Condo in Miramar Beach Florida! The Destin Florida Amalfi condo was originally encumbered by a Carrington Mortgage as senior lien, and a Flagstar junior lien. The mortgage servicing was switched from Carrington to Vericrest last year, and the Flagstar
- [83 12th Street, Port Dixie, Shalimar FL - Short Sale](https://www.itswendy.com/th-street-port-dixie-shalimar-fl-short-sale/) - Lovely Shalimar Florida short sale home on 83 12th Street on huge corner lot in Port Dixie neighborhood. Find soothing wood laminate floors in kitchen, living and dining area. The living room is enormous, with a gas fireplace with white hearth next to sliding doors to the back yard. Upgraded counters and fixtures in the bathrooms
- [102 Andalusia Place, Mary Esther FL - HAP Townhome for Sale](https://www.itswendy.com/andalusia-place-mary-esther-fl-hap-townhome-for-sale/) - See this beautiful Andalusia Place townhome in Mary Esther Florida. Set off Highway 98, it's in a convenient location for Hurlburt Field or Eglin Air Force Base commuting. Note the oversized kitchen with lots of cabinets, counter space and tile floors. Three bedrooms total, with the master bedroom separated from the two secondary bedrooms for privacy, with walk-in closet
- [Is Early Occupancy OK for Destin Short Sales?](https://www.itswendy.com/early-occupancy-ok-for-short-sales/) - Move in without closing first? Whoa! I just got an offer on a Destin Florida short sale listing with an early occupancy clause. The buyer wants to move into the property before closing and short sale approval. Is that a good idea? One of the negatives of short sales is the waiting time for the
- [Do You Let "What If's" Stop Your Navarre FL HAP Sale?](https://www.itswendy.com/do-let-ifs-stop-your-sale/) - "What if the roof leaks?" "What if there are termites?" "What if the home underappraises?" There are so many things that can go wrong with a real estate contract. We, as Realtors, need to be problem solvers to help buyers and sellers achieve their goals, right? That’s our job. Today I had a situation with an almost-signed
- [If Your Offer is Presented First - Do You Get Brownie Points?](https://www.itswendy.com/if-your-offer-presented-first-do-get-brownie-points/) - I had two offers come in on one of my Destin Florida listings this week. One was received a day later than the first. Due to logistics, I presented both at the same time to my seller. The first offer was significantly higher. The second offer was ten percent lower than list price, and had
- [652 Randall Roberts Rd., Emerald Village, Fort Walton Beach FL 32547 - HAP Home](https://www.itswendy.com/randall-roberts-rd-emerald-village-fort-walton-beach-fl-hap-home/) - This Emerald Village, Fort Walton Beach Florida HAP home feels big! Vaulted ceiling over kitchen and living room, and raised ceiling in entry foyer add to the spaciousness. The kitchen of this 652 Randall Roberts Road home, with wood laminate floors, offers plenty of workspace with a center island, breakfast bar, and gas stove for top chefs.
- [Mid-Bay Bridge Connector - Will It Help Niceville Property Values?](https://www.itswendy.com/midbay-bridge-connector-will-help-niceville-property-values/) - If you are a resident of Niceville, Florida, you cannot help but notice the road construction on Highway 20 and White Point Rd., near the Mid-Bay Bridge. There is a blinking sign that says “White Point Rd Access to Mid-Bay Bridge closing May 12”. In its place, there will be a new route to
- [1243 Ego Dr., Countryview Estates, Crestview FL 32536 - Short Sale with Pool](https://www.itswendy.com/ego-dr-countryview-estates-crestview-fl-short-sale-pool/) - Very attractive home in Countryview Estates with in-ground pool home located south of I-10 in Crestview Florida. 1243 Ego Drive feels open and spacious with cathedralled living room and dining room. Living room has interesting plant ledges which add depth, and French doors which add panache. Kitchen with center isle, welcoming white cabinets and tile work
- [Lot 8, Blue Mountain Beach, Big Red Fish Lake, Santa Rosa Beach FL](https://www.itswendy.com/lot-blue-mountain-beach-big-red-fish-lake-santa-rosa-beach-fl/) - Lot 8, Blue Lake Rd., Blue Mountain Beach, Florida, is ideally located on one of the rare and largest coastal dune lakes- Big Red Fish Lake, and within steps -approximately 90 seconds, to the Gulf of Mexico. This Blue Mountain Beach, Santa Rosa Beach Florida neighborhood access has no public parking -providing you with uncrowded beaches. Lot 8,
- [USAA Approves Crestview Florida Short Sale](https://www.itswendy.com/usaa-approves-crestview-florida-short-sale/) - This home in Antioch Estates, Crestview Florida, was just approved for short sale. There were two liens, Bank of America and USAA. Don't moan and groan, Bank of America was the easy part of the approval! The market value of the Antioch Estates home was under $120,000, but the senior lien, Bank of America had
- [Tommy Bahama's, Grand Boulevard, Sandestin FL Dining](https://www.itswendy.com/tommy-bahamas-grand-boulevard-sandestin-fl-dining/) - For Administrative Professionals Day, so I took my wonderful Rulnick Realty administrators, Rachel and Beth, to lunch. We decided on Tommy Bahama's restaurant in Grand Boulevard in Sandestin Florida, since it was on the way to our new listing in Holiday Shores. The ambience at Tommy Bahama’s is what I call “plush”. Throw pillows, dark wood, rattan, and
- [303 Holiday Rd., Miramar Beach FL - Short Sale Fixer Upper with Apartment](https://www.itswendy.com/holiday-rd-miramar-beach-fl-short-sale-fixer-upper/) - Bring your toolbox to this unique Miramar Beach Florida short sale home at 303 N Holiday Road. It needs some work, but has potential to be quite a catch with its full apartment and in-ground pool. Cathedralled living room with built-in shelves, angled corner fireplace, sliders to screened porch with built-in outdoor grill and cooking
- [Valaparaiso FL Commercial Building Lot for Sale](https://www.itswendy.com/valaparaiso-fl-commercial-building-lot-for-sale/) - Are you looking for a new location to expand your Valparaiso or Niceville Florida business? This vacant Valparaiso commercial lot may be the key to your enterpreneurial success. Superb location close to Eglin Air Force Base and Northwest Florida Regional Airport (VPS) (3.5 miles). Lot size is approximately 105 x 300 or .7 acre. Zoning code
- [The Boathouse Landing, Valparaiso FL Dining](https://www.itswendy.com/boathouse-landing-valparaiso-fl-dining/) - The Boathouse Landing restaurant in Valparaiso, Florida is good. I mean "YUM" good! My husband and I went there for dinner last night. We met his co-workers for cocktails on the porch in the Bilge Pub, overlooking Boggy Bayou. Afterwards, we dined upstairs and the food was excellent. We started with the crab and shrimp
- [Elation Sandestin Short Sale Approved by Wells Fargo](https://www.itswendy.com/elation-sandestin-short-sale-approved-by-wells-fargo/) - This bay view Elation Condo in Sandestin Florida was just approved for short sale. The new buyer will be able to use the Grand Sandestin pool, or chill out at the "Solstice Club" with bar, grills and more. Home owners in Sandestin also can enjoy the on property beach, shopping at Village of Baytowne Wharf, the Baytowne Conference Center,
- [Chase Approves Destin FL Short Sale - Three Challenges to Approval](https://www.itswendy.com/chase-approves-destin-fl-short-sale-three-challenges-success/) - Chase just approved this Destin Florida townhome for short sale. The process was a challenge. There were past due association fees and a judgment recorded in Walton County. In Florida, a property cannot be sold unless liens and judgments are paid or "released" at closing. Here is how we tackled the short sale: 1. Chase. The Chase
- [Seabreeze Jazz Festival, Fun Thing to Do on the Emerald Coast](https://www.itswendy.com/seabreeze-jazz-festival-fun-thing-do-on-emerald-coast/) - The Seabreeze Jazz Festival is a yearly event held on the Emerald Coast of Florida. This year, the festival is going on right now in Pier Park, Panama City Beach Florida. Thursday night featured saxophonist Boney James who engaged the audience with his energy - and ran around the crowd! George Benson, multiple Grammy Award winning jazz guitarist had the audience
- [7446 Harvest Village Ct., Navarre FL - HAP Home for Sale](https://www.itswendy.com/harvest-village-ct-navarre-fl-hap-home-for-sale/) - Lovely HAP home for sale in Harvest Village, Navarre Florida. You'll find the sharp decor is captivating and inviting. Custom paint palette, cathedralled kitchen and living room with palladian window add panache. Fenced back yard with pavered patio perfect for afternoon tea or late night cocktails. New roof 2005. This Harvest Village home is close to Hurlburt
- [Hermitage Condo - Okaloosa Island, FL Short Sale - Waterfront](https://www.itswendy.com/hermitage-condo-okaloosa-island-fl-short-sale-waterfront/) - Beautiful Okaloosa Island waterfront condo for sale in the Hermitage. This Fort Walton Beach short sale condo is on Choctawhatchee Bay where the fishing, boating and parasailing are regular activities. This Hermitage unit has blonde wood laminate flooring, interior window shutters throughout,and crown moulding to add an air of elegance. Slip outside to your balcony, and find a
- [Cuvee Bistro - Hip Destin Florida Dining](https://www.itswendy.com/cuvee-bistro-fine-destin-dining/) - Are you looking for a hip Destin Florida restaurant with fabulous food? I was a few nights ago... I had a craving for escargots and a special night out. Yes, I know it sounds weird, but not a lot of Destin restaurants serve escargots. I went online and checked menus around town. Bingo - I
- [Holley by the Sea, Navarre FL - VA Compromise Sale Approved](https://www.itswendy.com/holley-by-sea-navarre-fl-va-compromise-sale-approved/) - GMAC has approved the VA Compromise Sale for this Holley by the Sea home in Navarre Florida. A VA Compromise Sale is similar to a short sale. If you have a VA mortgage, and need to sell your Navarre, Crestview, Fort Walton Beach or Destin home because you can no longer afford your mortgage payments,
- [New Program - Foreclosure Help - Destin, Santa Rosa Beach, Crestview, Navarre Florida](https://www.itswendy.com/foreclosure-help-for-destin-santa-rosa-beach-crestview-navarre-florida/) - If you need help making paying your mortgage in Destin, Santa Rosa Beach, Crestview or the Navarre Florida area, there is a new program available for you. The U.S. Treasury has created the “Hardest-Hit Fund” to help the states struggling the most with foreclosures.Florida is one of those states-- ranking number one in mortgage delinquencies.According
- [Miramar Beach Florida Short Sale Agent Gets Another Approval](https://www.itswendy.com/miramar-beach-florida-short-sale-agent-gets-approval/) - Bank of America just approved this Miramar Beach Florida town home for short sale. The unit, in Miramar Palms, features a metal roof, solid surface counters, garage and a community pool. Just down the street is the Gulf of Mexico and Pompano Joe's dining on the beach. Baytowne Wharf, Grande Boulevard, Destin Commons and Silver Sands shopping is fifteen minutes
- [3107 Live Oak, Navarre FL Bayfront HAP Home for Sale](https://www.itswendy.com/live-oak-navarre-fl-bayfront-hap-home-for-sale/) - You want privacy, an estate-size lot and waterfront? This elegant brick home at 3107 Wild Oak, Navarre Florida is a HAP approved bayfront home for sale. Set on approximately one acre - with over 130 feet of water frontage on East Bay, it's very private yet convenient to Hurlburt Field. Find touches like bull-nose corners, archways, striking
- [Jetty East Short Sale Approved - Holiday Isle, Destin Florida](https://www.itswendy.com/jetty-east-short-sale-approved-holiday-isle-destin-florida/) - Bank of America just approved this Jetty East condo for short sale. Jetty East is located on the Gulf of Mexico beach on Holiday Isle in Destin Florida. Jetty East has a large heated pool, huge outdoor pavilion, two tennis courts, shuffle board and shuttles around Destin and more. Jetty East is also near East Pass,
- [How to Apply for Destin Florida HAFA Short Sale](https://www.itswendy.com/how-apply-for-destin-florida-hafa-short-sale/) - If you are in a Destin, Santa Rosa Beach or Navarre Florida short sale situation, you may have heard of HAFA, Home Affordable Foreclosure Alternatives. If you qualify for this federal program, you may get waiver of deficiency, $3000 relocation fees and up to $6000 to pay off any junior mortgage lien. The paperwork to get
- [My Shopping Adventure at New Sephora in Destin Florida](https://www.itswendy.com/shopping-adventure-at-sephora-destin-florida/) - When you think Destin Florida, you might think beaches, fishing, dining and golf, right? But we've got more now! The new Sephora store opened today in Destin Commons! Sephora? What's that? If you are a woman, you probably know. Sephora is one of the premier cosmetics and perfume stores in the world.
- [Eglin HAP PCS Steps](https://www.itswendy.com/eglin-afb-hap-pcs-steps/) - If you are an Eglin Air Force Base, Hurlburt Field or Whiting Field airman, have PCS orders and need to sell your home, you may have heard of HAP. HAP is the Department of Defense’s Homeowner Assistance Program. The program was expanded to help PCSing service members sell their properties, when “upside down” in mortgage
- [Fort Walton Beach Fairgrounds Southern Classic Gun & Knife Show](https://www.itswendy.com/fort-walton-beach-southern-classic-gun-show/) - The Northwest Florida Fairgrounds hosts many Fort Walton Beach events yearlong. Locals just call it the "Fairgrounds", and it's been around for 43 years, although not always in the same location. Since 1971, the Fairgrounds has been located on about 42 acres on 1958 Lewis Turner Boulevard. You can see everything here from the circus, dog
- [Fort Walton Beach, Oakland Addition Short Sale Approved by Chase](https://www.itswendy.com/fort-walton-beach-oakland-addition-short-sale-approved-by-chase/) - Chase approved this Fort Walton Beach Florida short sale in short order! Initially, Chase tried to fit the sale of this Oakland Addition home into the HAFA program, which allows pre-approved list prices for those who qualify. That resulted in a quick short sale approval time once a purchase and sale agreement was signed. If
- [Destin Short Sale Sellers May Not Want Deficiency Waiver](https://www.itswendy.com/destin-short-sale-sellers-may-not-want-deficiency-waiver/) - Today’s trend in short sales is "waiver of deficiency”. A short sale is where a property is sold without enough proceeds to pay off the mortgage debt. A "waiver of deficiency” is what happens if the lender accepts the short sale proceeds as payment in full, and cancels the balance of the debt. It used
- [Destin Florida Agent Gets Short Sale Approval in South Bay by the Gulf](https://www.itswendy.com/destin-florida-agent-gets-short-sale-approval-south-bay-by-gulf/) - A Destin Florida condo, located near the water in South Bay By The Gulf, was just approved for short sale. IBM Business Lender Process Services (LBPS), was the senior lien holder. These were the challenges in the approval process: 1. LBPS wanted a promissory note and cash contribution from the seller. 2. The condo association's balance
- [Seagrove Beach FL - Bank of America Short Sale Tips](https://www.itswendy.com/seagrove-beach-fl-bank-of-america-short-sale-tips/) - Do you think Bank of America short sales are all getting quicker? NOT. Every once in a while, there is a long story about a "short" sale in Seagrove Beach Florida. The lot at Palmeira Villas, off 30-A in Santa Rosa Beach was originally purchased for $650,000. Today, the lot is worth about $100,000 -
- [Checklist for Florida Short Sale Brokers FTC MARS Compliance](https://www.itswendy.com/checklist-for-florida-short-sale-brokers-ftc-mars-compliance/) - On February 25, there was a stir in the Florida real estate world.The Florida Association of Realtors issued an alert that, yes, we must comply with the new Federal Trade Commission Mortgage Assistance Relief Services (FTC MARS) ruling. Previously, there was much Florida Realtor confusion about FTC MARS.When I initially inquired, the FAR attorneys
- [Eglin and Hurlburt HAP PCS – July Cut-Off Date Misleading](https://www.itswendy.com/eglin-hurlburt-hap-pcs-july-cutoff-date-misleading/) - If you are an Eglin Air Force Base or Hurlburt Field airman, you may have heard of “HAP”. HAP is the Department of Defense Homeowner Assistance Program that was expanded to help PCSing service members who are “upside down” in their mortgage loans. You may have read the HAP website and think you don’t
- [Chase Approves Audrey Drive Short Sale, Oakland, Fort Walton Beach FL Short Sale](https://www.itswendy.com/chase-approves-audrey-drive-short-sale-oakland-fort-walton-beach-fl-short-sale/) - Chase has just approved the short sale for this Fort Walton Beach Florida home in the Oakland subdivision. Since the property was a primary residence, Chase initially tried to fit the homeowner into the HAFA program (Home Affordable Foreclosure Alternatives). HAFA is a federal program that mortgage servicers voluntarily offer with incentives to borrowers and lenders.
- [2408 Kodiak Ct,. Creetwood Place, Navarre FL HAP Home for Sale](https://www.itswendy.com/kodiak-ct-creetwood-place-navarre-fl-hap-home-for-sale/) - Dramatic and impressive Navarre Florida HAP home at 2408 Kodiak Ct in Creetwood Place with stunning features and upgrades. The first mood-setting touch is the hand-scraped hickory floors, which set off the high ceilings, plant ledges and soothing wall colors. The kitchen is remodeled with granite counters, top of the line stainless appliances, new disposal,
- [7050 Season Dr., Harvest Point, Milton Florida - HAP Home for Sale](https://www.itswendy.com/season-dr-harvest-point-milton-florida-hap-home-for-sale/) - Sprawling contemporary HAP home in Harvest Point, Milton, Florida, with tile throughout and many windows to maximize the natural light. This HAP home at 7050 Season Drive, has fine touches include pendant lighting, plant ledges interior columns and high ceilings. The oversized kitchen has much counter space along with a center isle, and is open
- [322 Ray Ave., Southway Estates - Crestview FL - VA Compromise Sale](https://www.itswendy.com/ray-ave-southway-estates-crestview-fl-va-compromise-sale/) - Wonderful roof lines give your Southview Estates, Crestview Florida short sale home appeal! 322 Ray Avenue is a roomy split-bedroom floor plan with cathedral ceilings and lots of light. The living room is open to dining area. Galley kitchen has a pleasing window over the sink and huge walk-in pantry. Two secondary bedrooms are spacious. Master bedroom
- [151 Parkwood Dr., Bluewater Bay, Niceville Florida - Eglin HAP Home for Sale](https://www.itswendy.com/parkwood-dr-bluewater-bay-niceville-florida-eglin-hap-home-for-sale/) - Open and airy Florida cottage in Parkwood at Bluewater Bay, Niceville Florida. Vaulted ceilings, hardwood floors, ceiling fans and lots of windows. The eat-in galley style kitchen boasts granite counter tops and stainless steel Maytag appliances including a flat-surface range top and a double oven. Both bathrooms have been upgraded with furniture-style, basin vanities and
- [Beach House 102A, Gulf front Condo for Sale, Destin Florida](https://www.itswendy.com/beach-house-102a-gulf-front-condo-for-sale-destin-florida/) - This Beach House gulf front condo for sale in Destin Florida comes with 650 feet of beach frontage. This first floor unit is perfect for those with young children and will attract many renters. Sit on your patio and watch sunrises and sunsets over the Gulf of Mexico while the younger ones play on the
- [2838 Tamiami Tr., Cherokee Bend, Crestview FL - Short Sale](https://www.itswendy.com/2838-tamiami-tr-cherokee-bend-crestview-fl-short-sale/) - The first thing you notice about this Cherokee Bend short sale home in Crestview Florida is the cheerful red shutters and brick touches. Step inside 2838 Tamiami Trail and you'll find a roomy contemporary home with cathedral ceiling, open floorplan, neutral colors. Kitchen overlooks living room with breakfast bar, center island. Wood laminate floors for clean look.
- [My Destin Listing Agent Doesn't Show My Home](https://www.itswendy.com/my-destin-listing-agent-doesnt-show-my-home/) - Sometimes, as a real estate agent, you don’t hear what consumers really say. Well, I did the other day. I was at a friend’s home and the neighbor across the street, “Marcy”, starting talking about her move. Her Destin Florida home had been for sale for months, and it seems she wasn’t happy. Marcy
- [Crestview and Navarre Florida VA Compromise Sale - New Relocation Assistance](https://www.itswendy.com/crestview-and-navarre-florida-va-compromise-sale-new-relocation-assistance-2/) - If you are a borrower with a VA home loan in Crestview, Navarre, Fort Walton Beach, Florida and surrounding towns, and are having trouble paying your mortgage, there is good news for you. The Veterans Administration recently announced a change to the VA Compromise Sale program. What is a VA Compromise Sale? Similar to a short
- [Windswept Estates, Freeport FL Short Sale Approved](https://www.itswendy.com/windswept-estates-freeport-fl-short-sale-approved/) - This beautiful home on Clubhouse Drive, Windswept Estates, Freeport FL was just approved for short sale. This golf course home has a great view of the 3rd hole and green of Windswept Dunes, the longest golf course in Florida. The senior lienholder was Bank of America. They approved this Windswept Estates short sale with full waiver
- [Aurora Approves Okaloosa Island, Fort Walton Beach FL - Short Sale](https://www.itswendy.com/aurora-approves-okaloosa-island-fort-walton-beach-fl-short-sale/) - This Blue Dolphin condo on Okaloosa Island Florida was just approved for short sale by Aurora Loan Services. Blue Dolphin is a small gulf-front complex on Abalone Court, Fort Walton Beach FL. The original loan amount was $604,000 in 2007. Today, market value is about $340,000. Aurora Loan Services was slow to approve
- [1213 Cuddle Doon, Seapines, Milton FL - Building Lot for Sale](https://www.itswendy.com/1213-cuddle-doon-seapines-milton-fl-building-lot-for-sale/) - Who wouldn't want to live on "Cuddle Doon"? This beautiful half-acre lot is in the waterfront community of Sea Pines in Milton Florida. Located on East Bay and Garcon Point, there is a beach and boardwalk for your fishing and sunning pleasure. Grab a basket and picnic at the gazebo. Launch your boat at the
- [Can I Have the "Flight Plan" to do a Short Sale?](https://www.itswendy.com/can-i-have-the-flight-plan-to-do-a-short-sale/) - The other day an agent asked if she could have my “flight plan” to do a short sale. Per Wikipedia, a flight plan is a pilot’s outline of how he will get to his destination, including departure and arrival points, estimated time, alternate airports in case of bad weather, type of flight, etc. This
- [Elation #5720, Sandestin Florida - Short Sale Condo](https://www.itswendy.com/elation-5720-sandestin-florida-short-sale-condo/) - Enjoy the amazing Bay views and nature preserve from this Elation short sale condo in Sandestin Florida! You will find calming colors of the ocean throughout. The short sale unit offers a spacious area to relax and spend time resting up from a day at the Gulf of Mexico beach. Luxurious decor. Dive into the
- [Blue Mountain Villas, #125, Santa Rosa Beach FL - Gulf Front Short Sale Condo](https://www.itswendy.com/blue-mountain-villas-125-santa-rosa-beach-fl-gulf-front-short-sale-condo/) - Your private gulf front condo on 30-A... Villas of Blue Mountain Beach, Santa Rosa Beach Florida short sale... Whimsical decor highlights this end unit with large balcony overlooking the Gulf of Mexico. Kitchen has granite and bamboo counters, commercial sink and pass-through to dining/living room. Large bedroom with two queen beds, plenty of closet
- [223 Hidden Lakes Way, Old Florida Village, Santa Rosa Beach FL - Short Sale](https://www.itswendy.com/223-hidden-lakes-way-old-florida-village-santa-rosa-beach-fl-short-sale/) - This "designer" Santa Rosa Beach Florida short sale home at 223 Hidden Lakes Way will make you smile! Located in Old Florida Village, it features two wrap balconies, outside shower and pavered drive and walkway directly to pool. Cool contemporaray, chic and whimsical decor with top-of-the line furnishings included. High ceilings both floors, recessed lighting, custom fans. Kitchen
- [First Fort Walton Beach FL Short Sale Approval of the Year](https://www.itswendy.com/first-fort-walton-beach-fl-short-sale-approval-of-the-year/) - This lightning speed short sale approval for a Fort Walton Beach Florida townhouse in Shangra Woods was a great way to start 2011. How long did it take? 15 days! December 20: Short Sale package faxed to Citi Mortgage December 29: Negotiator assigned (who says people don’t work over the holidays?) January 4: Approved! This
- [Destin Florida Short Sale Agent Negotiates Success](https://www.itswendy.com/how-to-successfully-negotiate-a-destin-florida-short-sale/) - Sometimes when you think you are “done” with Destin short sale negotiations, you are not done! A short sale has many steps. There are several “layers” of negotiations. I am going to use my recent sale of a Destin Florida condo as an example. The property had two mortgages, both with Chase. It was an
- [I Was "MIA", Now I'm Back!](https://www.itswendy.com/i-was-mia-now-im-back/) - Hello All! Today was a great day. I was back in my Destin real estate office for the first time since a minor back surgery! Of course, I worked from “home” for the past week, but I didn’t like it. I know everyone has an opinion and preference when it comes to working from
- [HSBC and Wells Fargo Approve Navarre FL Short Sale](https://www.itswendy.com/hsbc-and-wells-fargo-approve-navarre-fl-short-sale/) - This home in Tom King Estates, Navarre Florida, has been approved for short sale. The senior lien, Wells Fargo, had a balance of $230,000 The junior lien, HSBC, had a $65,000 balance. The sale price was about $185,000, so there were not enough funds to fully pay the senior lien.
- [Thank You To My Emerald Coast of Florida Short Sale Sellers](https://www.itswendy.com/thank-you-to-my-emerald-coast-of-florida-short-sale-sellers-2/) - Thank YOU to my recent, wonderful short sale sellers in Destin, Fort Walton Beach and Santa Rosa Beach Florida! We always send out customer satisfaction surveys, and I was just blown away by their terrific comments: "Positives of working with Wendy-- Constant two-way communications, simple and effective process, open and honest direction regarding the next
- [326 Cullman Ave., Grove by the Sea, Santa Rosa Beach FL - Short Sale](https://www.itswendy.com/326-cullman-ave-grove-by-the-sea-santa-rosa-beach-fl-short-sale-2/) - Beautiful Grove by the Sea short sale home for permanent residence or getaway! Located just off 30-A in Santa Rosa Beach Florida, this lovely house is located near Seaside, Rosemary Beach and the Gulf of Mexico Beaches. Set back from the road for privacy, with wrap-around screened porch. Inside is very open and bright. Kitchen open
- [Bluewater Bay Florida Home Approved For VA Compromise Sale](https://www.itswendy.com/bluewater-bay-florida-home-approved-for-va-compromise-sale/) - Wells Fargo just approved this home in The Woodlands, Bluewater Bay, Niceville Florida, for a VA Compromise Sale. A VA Compromise Sale is similar to a short sale. The process is not always "smooth", and this one had a few issues, too. The Problem: VA appraised the home for more than the contract price. The
- [Hidden Bay Townhome, Navarre Florida Approved as Short Sale - in 39 Days](https://www.itswendy.com/hidden-bay-townhome-navarre-florida-approved-as-short-sale-in-39-days/) - This townhome on Majestic Boulevard, Hidden Bay, Navarre FL was just approved as a short sale! Details: Senior Lien: Bank of America Balance: $190,000 Junior Lien: Bank of America Balance: $30,000 Sale Price: $105,000 appr Time for approval: 39 days! This short sale was processed through the Bank of America
- [Bank of America Approves Steeplechase, Crestview FL Short Sale - No Deficiency](https://www.itswendy.com/bank-of-america-approves-steeplechase-crestview-fl-short-sale-no-deficiency/) - This lovely home in the Steeplechase subdivision, Crestview, Florida, has just been approved for short sale. Bank of America took 90 days to approve the sale. The delay was caused by Bank of America automatically putting the short sale into the HAFA (Home Affordable Foreclosure Alternatives) program, since it was owner-occupied.
- [Chase Approves Ariel Dunes, Miramar Beach Florida Short Sale](https://www.itswendy.com/chase-approves-ariel-dunes-miramar-beach-florida-short-sale/) - Chase is getting better as a short sale servicer. They approved an Ariel Dunes, Miramar Beach, Florida condo short sale in 45 days! The nitty-gritty: Chase Senior Lien: $500,000 balance Chase Junior Lien: $70,000 balance Sale Price: about $300,000 Chase would not pay past due association fees because the association had not filed a lien. We did obtain a waiver
- [Are You Giving Away Your Client's Position?](https://www.itswendy.com/are-you-giving-away-your-clients-position/) - When you are representing a buyer in a real estate sale, do you remember who your client is? I recently had an agent call to let me know he was sending me an offer on one of my listings. We chatted a bit, and I mentioned how much I liked the property. He said,
- [Bank of America Approves Indian Lake, Destin FL - Short Sale](https://www.itswendy.com/bank-of-america-approves-indian-lake-destin-fl-short-sale/) - This Destin Florida condo at 4030 Dancing Cloud Ct was just approved for short sale by Bank of America. It was an interesting journey selling this Indian Lake condo unit. Over a year ago, Bank of America had a contract with a much higher purchase price. They approved the sale, but the buyer's lender, also Bank of
- [7535 Loop St., Holley by the Sea, Navarre FL - Short Sale](https://www.itswendy.com/7535-loop-st-holley-by-the-sea-navarre-fl-short-sale/) - This two story in Holley by the Sea short sale home in Navarre Florida is accented by pretty landscaping and plentiful porches. Tiled kitchen open to living area with breakfast bar. Delightful window over sink and bright cabinets. Second floor master bedroom has private screened balcony. Large yard with shed, deck, plus patio for grilling. Garage
- [Story of a Bank of America - Destin Florida Short Sale Approval](https://www.itswendy.com/story-of-a-bank-of-america-destin-florida-short-sale-approval/) - Sometimes you only hear the end result of a short sale being approved. Here is the background story of a Bank of America - Destin Florida short sale approval: Sept 2 - I list a Destin short sale home for $237,900 - difficult to price, with some pending comparable sales higher, and some Destin foreclosures lower. I
- [Florida SHIP and Chase Approve VA Compromise Short Sale for Eglin Airman](https://www.itswendy.com/florida-ship-and-chase-approve-va-compromise-short-sale-for-eglin-airman-3/) - Junior Lien: Florida SHIP Loan Florida SHIP (State Housing Initiatives Partnerships) is a downpayment assistance program that is managed separately by each county in Florida. Okaloosa County SHIP forgave the entire balance of their $12,500 junior lien. We accomplished the debt forgiveness by sending a hardship letter to the SHIP director for Okaloosa County. Because
- [486 Calle Escada, Santa Rosa Beach Florida - Short Sale](https://www.itswendy.com/386-calle-escada-santa-rosa-beach-florida-short-sale/) - Lovely short sale home for sale at 486 Calle Escada, Santa Rosa Beach Florida. All brick, featuring 9-10 foot ceilings, open, custom floorplan. Eat-in kitchen next to large pantry space. Living room with fireplace, double French doors with transom windows open to large covered patio. Split bedroom floorplan. The master bedroom is a "suite", with huge walk-in
- [Just Sold - 801 Loblolly Bay Dr.,Driftwood Estates, Santa Rosa Beach FL - Short Sale](https://www.itswendy.com/just-sold-801-loblolly-bay-dr-driftwood-estates-santa-rosa-beach-fl-short-sale/) - This ample home at 801 Loblolly Bay Dr. in Driftwood Estates just sold!. It is over 2400 square feet, with an open floorplan. The living, breakfast area and kitchen are all combined for great gatherings. This home has a formal dining room and grand entry, with a beautiful stair case.
- [Lakeside at Blue Mountain Beach, Santa Rosa Beach FL - Regions Short Sale](https://www.itswendy.com/lakeside-at-blue-mountain-beach-santa-rosa-beach-fl-regions-short-sale/) - This gorgeous home off 30-A in Santa Rosa Beach Florida has been approved as a short sale. Located in Lakeside at Blue Mountain Beach, next to Redfish Village, this home was architect-designed with two master bedrooms and many upscale finishes. First Mortgage: Regions - balance about $750,000 Second Mortgage: Bank of America - balance about $85,000
- [New Florida Short Sale Addendum - What Were They Thinking?](https://www.itswendy.com/new-florida-short-sale-addendum-what-were-they-thinking/) - What were the Florida Realtors and Florida BAR thinking when they came up with the new Florida short sale addendum to the purchase and sale agreement? Granted, some of the addendum is an improvement, with a default 90 – 120 days for short sale approval. But here is the paragraph that gives me pause: "Status of
- [20 Audrey Dr., W., Fort Walton Beach FL - Short Sale](https://www.itswendy.com/20-audrey-dr-w-fort-walton-beach-fl-short-sale/) - Attractive Oakland subdvision home with big spaces! 20 Audrey Drive is a Fort Walton Beach Florida short sale. Large family room with bay window, lots of light, generous kitchen. Expanded master bedroom adds square footage. HUGE yard with above-ground pool and deck. New pool liner 2010. New roof 2004 and new garage roof 2009. Good location
- [Wells Fargo Approves Fort Walton Beach Short Sale - Swift and Strange](https://www.itswendy.com/wells-fargo-approves-fort-walton-beach-short-sale-swift-and-strange/) - I just received approval for a Wells Fargo short sale in the Bayou Subdvision, Fort Walton Beach Florida. The approval was a swift 30 days, but the journey getting there was strange. Here is a summary 9/29 – Short Sale package faxed to Wells Fargo 10/5 – Broker Price Opinon completed 10/22- Negotiator asks for
- [Multiple Offers and The Seller Said “NO”! So?!](https://www.itswendy.com/multiple-offers-and-the-seller-said-no-so/) - I don't enjoy multiple offer situations, do you? As a listing agent in Destin Florida, I occasionally run into these scenarios. Did you know you don’t automatically have permission to relay the existence of another offer unless your seller says you can? Mouthful? Check • Standard of Practice 1-15 REALTORS®, in response to inquiries
- [244 Magnolia St., Grayton Beach FL - Home Near the Beach](https://www.itswendy.com/244-magnolia-st-grayton-beach-fl-home-near-the-beach/) - This festive Grayton Beach Florida home is the perfect retreat in the "real beach" town near Seagrove Beach off 30-A. Fun and eclectic, it is a happy home. Wood floors, open floor plan and interesting room layout make it a great place to live full time, hang out on vacation, use as a second home
- [Bank of America Approves Shalimar FL Short Sale - No Deficiency](https://www.itswendy.com/bank-of-america-approves-shalimar-fl-short-sale-no-deficiency/) - Bank of America has approved the short sale for this Shalimar Florida townhome in Country Villas. The original mortgage was for $104,000. The sale price will be about $60,000. The really good news for these Shalimar short sale sellers? No deficiency! If you are considering a short sale to avoid foreclosure, contact an experienced Shalimar short sale
- [Rulnick Realty Grows in Destin Florida](https://www.itswendy.com/rulnick-realty-grows-in-destin-florida/) - Rulnick Realty, Destin Florida, is pleased to announce the hiring of Rachel Klein in the short sale processing department. Rachel has several years experience as a legal assistant, managing the day to day operations of a law office. Prior to that, Rachel served as a mortgage loan processor and as a financial administrator at
- [Emerald Grande W1126, Destin Florida - Harborfront Short Sale Condo](https://www.itswendy.com/emerald-grande-w1126-destin-florida-harborfront-short-sale-condo/) - Emerald Grande - truly the "grandest" location in Destin Florida. Here you have it all! The luxury of fine living, the day-to-night activities of Destin Harbor and the incomparable views. This stunning Destin short sale condo has vistas of the Gulf of Mexico, Destin Harbor, and Choctawhatchee Bay. During the day, the emerald waters sparkle,
- [7435 Red Barrow Rd., Baker FL - Short Sale on 5 Acres](https://www.itswendy.com/7435-red-barrow-rd-baker-fl-short-sale-on-5-acres/) - What a lovely setting in Baker Florida. This brick short sale farm house surrounded by fruit trees and situated on 5.4 sprawling acres. This quaint rustic home boasts a large front porch, built-in shelving in living room, a table-side fireplace in the kitchen and a wood burning stove in the Florida room. This Baker short sale
- [I Got My Job Back! What Do I Owe You?](https://www.itswendy.com/i-got-my-job-back-what-do-i-owe-you/) - Yesterday I got an unexpected call. My Crestview Florida short sale seller has some good news! He had originally contacted me because his Fort Walton Beach company was downsizing. He had no choice but to relocate when they moved his position to another part of the state. His wife had also lost her job. This
- [Why Should You Get a Title Search on Your Destin Short Sale?](https://www.itswendy.com/why-should-you-get-a-title-search-on-your-destin-short-sale/) - If you are selling a short sale in Destin Florida, it’s wise to have a title search as soon as you list. Why? Problem prevention! Title problems can delay short sale closings. You don’t want to find out these issues after you finally get approval, and only have 30 days to close! Here are
- [99 Magnolia Creek, Santa Rosa Beach FL - Short Sale](https://www.itswendy.com/99-magnolia-creek-santa-rosa-beach-fl-short-sale/) - This lovely home is in gated Magnolia Creek is a Santa Rosa Beach FL short sale. Take a moment on the charming front porch before entering French doors into your new home. As you enter the great room with cathedral ceiling, fireplace and formal dining there is ample room for family or entertaining. The large
- [Crestview and Navarre Florida VA Compromise Sales: Will VA Pursue You for Deficiency?](https://www.itswendy.com/crestview-and-navarre-florida-va-compromise-sales-will-va-pursue-you-for-deficiency/) - PSCing to a new base? If you are an Eglin Air Force Base or Hurlburt Field airman and own your home, this could be a problem. You may very well be "upside down" in your mortgage. Meaning, the balance you owe is more than market value of your property. That is a common scenario on the Emerald
- [Harbor Plantation Condo, Destin Florida – Short Sale Approved](https://www.itswendy.com/harbor-plantation-condo-destin-florida-short-sale-approved/) - Bancorp South has approved the short sale for this condo in Harbor Plantation, Destin, Florida. This is one of the most spectacular settings on Destin Harbor. Wide open floor plan all about the harbor view. Harbor Plantation has a pool and work out facility. This 1900 square foot unit has 3 bedrooms and 3 full baths.
- [How Often Should You Call the Short Sale Listing Agent?](https://www.itswendy.com/how-often-should-you-call-the-short-sale-listing-agent/) - If you are a short sale buyer’s agent, it can often be frustrating waiting for any scrap of information for your buyer. After all, it might be three to five months before you get short sale approval. You don’t want to lose your buyer. It’s best to give them as much information as possible so they
- [84 Batchelor’s Button #6, Miramar Beach Florida – Short Sale](https://www.itswendy.com/84-bachelors-button-6-miramar-beach-florida-short-sale/) - Lovely Miramar Beach Florida short sale townhome in Miramar Palms! This Batchelor's Button unit has hardy plank siding, metal roof and solid surface counters. Home has a first floor master suite with two bedrooms up. Relaxing front porch, second floor balcony, outside patio and shower. Community pool. Extra deep garage. This Miramar Beach short sale
- [103 Misty Cove, Destin Short Sale Condo, Miramar Beach Florida](https://www.itswendy.com/103-misty-cove-destin-short-sale-condo-miramar-beach-florida/) - Your Misty Cove short sale condo in Miramar Beach Florida is just a few blocks from the Gulf of Mexico and the public beach access at Pompano Joe's. Enjoy the balcony off the master bedroom and the screened in porch off of the living room looking out into the courtyard and pool. It is about 1250
- [HUD Pre Foreclosure Sale Approved in DeFuniak Springs FL](https://www.itswendy.com/hud-pre-foreclosure-sale-approved-in-defuniak-springs-fl/) - This home at 352 Hwy 2, DeFuniak Springs, Florida has been approved as a HUD Pre Foreclosure sale by Bank of America. It was approved 23 days after submitting the short sale contract, buyer proof of funds and HUD. But that is not the whole story. When doing an HUD (also called FHA) Pre Foreclosure
- [Chase Approves Destin Florida Short Sale – Quick!](https://www.itswendy.com/chase-approves-destin-florida-short-sale-quick/) - Chase has approved the short sale of 1 Pine Ridge Trace, Destin Florida. Details? Senior Lien: Chase Home Finance Balance: $185,000 Junior Lien: JP Morgan Chase Bank Balance: $25,000 Sale price: $90,000 appr For you sleuths who like to analyze investors, this one was Freddie Mac. The mortgage also had a sub-investor pool who utilized MGIC for
- [Crystal Village 4B, Miramar Beach Florida – Short Sale Condo](https://www.itswendy.com/crystal-village-4b-miramar-beach-florida-short-sale-condo/) - Darling Miramar Beach short sale condo in Crystal Village. This second floor unit has a great view of the pool and grounds from living room and private balcony. It is delightfully painted in vibrant colors. Pleasing furnishings and accents highlight the beach lifestyle. Kitchen is tiled, open to living room, and has beadboard paneling. There are
- [The Palms, Destin Florida – Short Sale Approved](https://www.itswendy.com/the-palms-destin-florida-short-sale-approved/) - This beautiful condo unit at The Palms in Destin Florida was just approved for short sale. Lender: Bank of America Payoff: $324,000 List Price: $124,000 Notes: Bank of America initially rejected the buyer's offer of $100,000. They countered $119,000 in Equator, the bank's online negotiating platform. The buyer would not come up in value. Instead of
- [36 Log Place, Destin Florida Short Sale](https://www.itswendy.com/36-log-place-destin-florida-short-sale/) - This Pine Ridge Trace short sale townhome is located in the heart of Destin Florida. The living area has vaulted ceilings for a spacious feel. The living area, kitchen and baths are tiled. This unit is located at the end of a cul-de-sac for lots of privacy. 36 Log Place is close to shopping, the
- [Chase Approves Driftwood Estates Short Sale - Loses a Bundle](https://www.itswendy.com/chase-approves-driftwood-estates-short-sale-loses-a-bundle/) - Three months can make a big difference in a market place. Three Months Ago... Chase approved the short sale for this Driftwood Estates home in Santa Rosa Beach Florida. The sale price at the time was $230,000. But oops- the buyer's lender only appraised the home for $220,000. The buyer could not get a loan for
- [More Short Sale Myths](https://www.itswendy.com/more-short-sale-myths/) - It is scary how much misinformation there is about Short Sales. I am in the midst of negotiating an offer on one of my Destin Florida short sales. I told the buyer’s agent the seller will be counter offering. 1. The buyer’s agent was shocked, “Counter Offer!? The seller cannot counter offer. That is up to the
- [GMAC Homecomings Financial Approves Crestview Florida Short Sale](https://www.itswendy.com/gmac-homecomings-financial-approves-crestview-florida-short-sale/) - GMAC Homecomings Financial has just approved the short sale for this Southway Estates home in Crestview Florida. The approvel time was an amazing 9 days! How so fast? 1. GMAC had a Broker Price Opinon, or property valuation, done prior to listing. They suggested a list price, although I was free to reduce the price based
- [6890 Gaspar Ct, Tom King Estates, Navarre Florida Short Sale](https://www.itswendy.com/6890-gaspar-ct-tom-king-estates-navarre-florida-short-sale/) - This Navarre short sale home in Tom King Estates stands out! 6890 Gaspar Ct is located at the end of a cul-de-sac, you'll be amazed by the fantastic large lot. Truly park-like yard with custom Koi pond, waterfalls, and deck. Heated in-ground pool with salt water filter - five years old. Inside is anoher wow!
- [366 Holiday Rd. N, Holiday Shores, Destin Florida – Short Sale](https://www.itswendy.com/366-holiday-rd-n-holiday-shores-destin-florida-short-sale/) - Beautiful arches highlight this brick one-level contemporary at 366 N Holiday Road, in the Holiday Shores subdivision. This Destin Florida short sale home has unique architectural touches, plant ledges and transom windows add drama. Bright kitchen with pass-through opening. Breakfast nook and formal dining room. Living room has wood burning fireplace. Dimensional roof shingles. Patio
- [2932 Pine Valley – Burnt Pine – Sandestin Florida Short Sale](https://www.itswendy.com/pine-valley-burnt-pine-sandestin-florida-shortsale/) - Dramatic Burnt Pine pre-foreclosure short sale home in Sandestin Florida. 2932 Pine Valley is located in the trees for for privacy. This gorgeous home is surrounded by woods on all sides, and nature is highlighted. Very modern, chic Sandestin short sale home features tall ceilings, cherry floors and monumental windows showcasing the forest. Kitchen is open to the
- [HAP Private Sale – Silver Oaks, Crestview, Florida – Just Sold](https://www.itswendy.com/hap-private-sale-silver-oaks-crestview-florida-just-sold/) - This beautiful home on Shire Lane in Silver Oaks, Crestview Florida just sold. The home had impeccable upkeep. It was 2751 square feet, four bedrooms, two full baths and two car garage. The landscaping was outstanding. The sale price was $218,000. This home sold as an Eglin Air Force Base HAP Private Sale. HAP (Homeowners Assistance Program) is a program which assists
- [You Cannot “Make” a Buyer or Seller Do Anything](https://www.itswendy.com/you-cannot-make-a-buyer-or-seller-do-anything/) - "Did you get the contract signed by your seller?” The offer expired yesterday! "Why won’t your buyer sign the document?” We need it now for short sale approval! "Your seller did not sign the earnest money release!” We’ll go to court. Guess what? You cannot make your buyer or seller DO anything. You can relay
- [Regions Approves Waterscape Short Sale, Okaloosa Island Florida](https://www.itswendy.com/regions-approves-waterscape-short-sale-okaloosa-island-florida/) - Regions Mortgage speedily approved a Waterscape condo for short sale in Fort Walton Beach, Florida. This Okaloosa Island condo was decorated with luxury in mind. The kitchen had granite counters, undermount sink, stainless steel appliances. The bunk room was an added bonus. Waterscape has two pools, two hot tubs, waterfall and impressive work-out center. This Waterscape unit had
- [Just Sold – Countryview Estates, Crestview Florida – VA Compromise Short Sale](https://www.itswendy.com/just-sold-countryview-estates-crestview-florida-va-compromise-short-sale/) - 1254 Ego Drive, Crestview Florida just sold as a short sale. It was a Bank of America VA Compromise Sale. The Countryview Estates home had serene landscaping with a Japanese maple tree, asian benches, St. Augustine grass and enormous patio. Inside, wide open spaces in the dramatic living room open to dining. Kitchen was bright and big
- [933 Ridgewood Dr., Bluewater Bay, Niceville Florida – Short Sale](https://www.itswendy.com/933-ridgewood-dr-bluewater-bay-niceville-florida-short-sale/) - Fabulous Bluewater Bay Florida short sale home! 933 Ridgewood Way, Niceville, Florida, in the Woodlands has sunken living room with real hardwood floors, vaulted ceiling, wood-burning fireplace and wet bar. French doors in the separate dining room offer an incredible view of the pool and large patio. Eat-in kitchen has solid wood cabinets. Wood floors in dining
- [HAP Approves Another Crestview Florida PCS Sale](https://www.itswendy.com/hap-approves-another-crestview-florida-pcs-sale/) - The military's Homeowner Assistance Program is getting speedier all the time! I just had another HAP contract approved, this time for a Crestview Florida home sale in the Redstone subdivision. The sellers were PCSing from Eglin Air Force Base more than 50 miles away. They purchased their home prior to July 2006, their property value had
- [Magnolia House Condo #408, Destin Pointe, Destin Florida – 32541](https://www.itswendy.com/magnolia-house-condo-408-destin-pointe-destin-florida-32541/) - Magnolia House condominium #408 is at the end of Destin Point on Holiday Isle in Destin Florida, with wonderful views of the Gulf of Mexico, East Pass and the Jetties. Sit on your balcony, relax and watch boats come into and go out of Destin Harbor. This condo has been redone with an elegant touch. There are
- [Destin Florida Building Lot in Azalea Gardens](https://www.itswendy.com/destin-florida-building-lot-in-azalea-gardens/) - This is a great corner lot on Melvin Street for building your new home in Destin Florida. Located close to Destin Harbor, restaurants, shopping and the beach. It is about 100 x 64, in Azalea Gardens on the corner of Melvin and Azalea. "Tap fee is paid", which means you save money when hooking up
- [HAP Approves Shalimar Florida - Eglin Airman PCS Move](https://www.itswendy.com/1738/) - This townhome at Country Villas, Shalimar, Florida has been approved as a HAP (Homeowner Assistance Program) sale. HAP is a program designed to assist United States military service members who have orders to relocate bases, and are upside-down in their mortgages. Meaning, they owe more on their mortgage than their current market value. Just how
- [Is Destin Condo Market Recovering From Oil Spill](https://www.itswendy.com/is-destin-condo-market-recovering-from-oil-spill/) - The Deepwater Horizon Oil Spill was on April 20. One can see the corresponding number of Destin Florida condo sales dropped in May through July. In April there was a year-high of 80 Destin condo sales. In July there were only 27 Destin condo sales. The good news is the oil leak correction is well under way. The
- [How Instant Messenger Can Help Your Business](https://www.itswendy.com/how-instant-messenger-can-help-your-business/) - Do you own a business? Is communicating difficult between so many phone calls? When you are on the line, and an important message comes in, how do they let you know without interrupting? "IM" IM stands for "Instant Messaging". It is direct communications between users over the internet via text. Some popular IM software for computers includes Windows
- [1 Pineridge Trace, Destin Florida Short Sale](https://www.itswendy.com/1-pineridge-trace-destin-florida-short-sale/) - Very chic Pine Ridge Trace townhome with modern, edgy decor in the heart of Destin Florida. This short sale home has slate floors punctuated by vividly painted rooms. Kitchen has urban feel with stainless countertops, peek-through cabinets, bright pendant lights over breakfast bar. Kohler fixtures and cast iron sink, newer appliances. Master bath has travertine
- [How To Challenge A Short Sale BPO](https://www.itswendy.com/how-to-challenge-a-short-sale-bpo/) - Your short sale was approved? Wonderful. The buyer’s lender under-appraises the property? Not so good. What do you do? Do you call the short sale lender and tell them their comps were wrong? Do you scream "the market is still going down, take the new price or the seller will file bankruptcy"? Do you say
- [1940 Bahama Dr., Holley by the Sea, Navarre Florida - 32566](https://www.itswendy.com/1940-bahama-dr-holley-by-the-sea-navarre-florida-32566/) - Stunning home in Holley by the Sea - 1940 Bahama Drive, Navarre Florida. Magnificent lawn with brick landscape islands and palm trees. Huge fenced back yard with play area. Clean, neutral decor and big spaces! Large cathedralled living room with plant ledges. Kitchen sparkles and has convenient center island. Whirlpool tub with lovely tile work.
- [Do You Really LIKE People?](https://www.itswendy.com/do-you-really-like-people/) - If you are selling real estate, or anything for that matter, one of the keys to success is liking people. Well, it’s more than just “liking” -- it’s being “interested” and “curious”. I am not talking about faking it. We’ve all dealt with these salespeople before. They say the perfunctory "Hello", then cannot wait to
- [233 Loblolly Bay Dr., Driftwood Estates - Santa Rosa Beach FL Short Sale](https://www.itswendy.com/233-loblolly-bay-dr-driftwood-estates-santa-rosa-beach-fl-short-sale/) - Live big in this striking pre-foreclosure short sale home at 233 Loblolly Bay Drive in Driftwood Estates, Santa Rosa Beach Florida! Very high ceilings and open floorplan feel luxurious and welcoming. Kitchen is open to dining, living with electric fireplace and sitting area. Angled stairway punctuates the spaces. Creamy paint, tile and carpet is the perfect
- [Wells Fargo Approves Sandestin Florida Short Sale in Magnolia Bay](https://www.itswendy.com/wells-fargo-approves-sandestin-florida-short-sale-in-magnolia-bay/) - Wells Fargo, formerly Wachovia, has approved a Magnolia Bay townhome in Sandestin Florida as a short sale. The unusual part of this short sale was that the senior mortgage holder, Bank of America, was not "short".What does this mean? The sales price of the property was more than enough to pay the balance on the Bank of America mortgage. That is an unusual
- [Bank of America Short Sale - Lengthy Approval and Speedy Closing?](https://www.itswendy.com/bank-of-america-short-sale-lengthy-approval-and-speedy-closing/) - Bank of America just approved the short sale for Island Princess Unit 310 on Okaloosa Island, Florida. It took a longer-than normal 4.5 months. And we're going to have a hard time complying with the closing requirements.... The approval letter date: yesterday. The closing deadline: today. Enough said. It's Wendy! Wendy Rulnick, Broker, Rulnick Realty, Inc.
- [How Has Oil Spill Impacted Destin Florida Condo Sales?](https://www.itswendy.com/how-has-oil-spill-impacted-destin-florida-condo-sales/) - You can easily track the effect of the BP Oil Spill on the Destin Florida condo market. The chart above shows number of condos sold in Destin, Miramar Beach and Sandestin Florida for the past six months. Notice sales increased from January, with only 44 units, to its high - 80 closed condominium sales in
- [310 Apple Drive, Southway Estates, Crestview Florida - Short Sale](https://www.itswendy.com/310-apple-drive-southway-estates-crestview-florida-short-sale/) - Looking for a cheerful home south of I-10 in Crestview Florida? This Southway Estates short sale home fits the bill! 310 Apple Drive has an open floorplan, with your kitchen's breakfast bar overlooking the living room. Bright kitchen has window over sink and center island. Sliding glass doors open to patio and fenced back yard. Neutral
- [Filing a BP Oil Claim? Good Luck!](https://www.itswendy.com/filing-a-bp-oil-claim-good-luck/) - BP Oil Claims? Not fun! Many real estate agents have been affected by the BP Oil Spill in the Gulf of Mexico. So far, I’ve had three contract cancellations with- "Reason: Oil". Why? A high percentage of Destin Florida real estate buyers count on rental income from the condos or homes they plan to buy near the beach.
- [Wells Fargo and Chase Approve Hammock Bay Short Sale, Freeport Florida](https://www.itswendy.com/wells-fargo-and-chase-approve-hammock-bay-short-sale-freeport-florida/) - This home at 213 Concert Court in Hammock Bay, Freeport Florida, has been approved to close as a short sale. Purchase Price: $170,000 appr Wells Fargo mortgage balance: $230,000 appr Chase mortgage balance: $60,000 appr Factors: Wells Fargo delayed their approval process until the junior lien, Chase issued their own approval. Chase delayed their approval due to reorganizing internal
- [How Many BPOs Does It Take To Get The Short Sale Price Right?](https://www.itswendy.com/how-many-bpos-does-it-take-to-get-the-short-sale-price-right/) - The games we short sale agents must play! Here is a perfect illustration about why short sale lenders should not rely on one value, called a Broker Price Opinion (BPO), to decide if an offer is the right price. 1. I list a Fort Walton Beach Florida short sale at what I believe is close
- [HUD Approves Destin Florida Pre Foreclosure Short Sale - in 13 Days!](https://www.itswendy.com/hud-approves-destin-florida-pre-foreclosure-short-sale-in-13-days/) - This HUD FHA short sale at 800 Wild Oak, Destin Florida, was approved by Bank of America in 13 days! Why? How? What? Why? The seller was proactive! He contacted Bank of America early when he was unable to pay his mortgage. When a modification did not work, he applied for the HUD Pre Foreclosure Sale
- [How Can You Make Your Fort Walton Beach Forida Home Sell Quicker and for More Money?](https://www.itswendy.com/how-can-you-make-your-fort-walton-beach-forida-home-sell-quicker-and-for-more-money/) - Do you think landscaping doesn't make much difference in the curb appeal of a home? Think again! Look at the two photos below of a Fort Walton Beach Florida home I have listed for sale. "Before" "After" Isn't the difference in the "Before" and "After" photos are striking? In the Fort Walton
- [Saxon Approves Short Sale in Driftwood Estates, Santa Rosa Beach Florida](https://www.itswendy.com/saxon-approves-short-sale-in-driftwood-estates-santa-rosa-beach-florida/) - This home at 801 Loblolly Bay Drive was just approved by Saxon Mortgage as a short sale. Original Saxon Mortgage balance: $300,000 appr Sales Price and Current Market value: $194,000 appr Time for Approval: 35 days This Driftwood Estates short sale was also approved a couple of months ago by Saxon for a different purchaser. The
- [Is Being "Good to Work With" Key to Short Sale Approvals?](https://www.itswendy.com/is-being-good-to-work-with-key-to-short-sale-approvals/) - I was stunned and delighted to receive this email from a Bank of America VA short sale negotiator: Hey Wendy, I was able to push through the approval much faster than normal. You have been very good to work with so wanted to do what I could to get it approved. :) Thanks! WOW! It was exactly
- [225 Fliva Ave., Fort Walton Beach Florida - Short Sale](https://www.itswendy.com/225-fliva-ave-fort-walton-beach-florida-short-sale/) - From the wonderful lawn to the many improvements- this Fort Walton Beach Florida short sale home is easy to love! 225 Fliva Ave., in the Bayou Subdivision, has new hardwood floors, remodeled kitchen with custom cabinets, Corian counters, and all new lighting. That's just a start. All windows have been replaced, new air conditioner and new paint! The exterior
- [Lot 114 Cypress Dunes, South Walton - 30-A - Santa Rosa Beach Florida - Lot for Sale](https://www.itswendy.com/lot-114-cypress-dunes-south-walton-30-a-santa-rosa-beach-florida-lot-for-sale/) - Located in South Walton, Santa Rosa Beach Florida on the west end of 30-A,this deep lot in Cypress Dunes would be a smart selection for your new home. Neighborhood amenities include clubhouse with gym, exquisite pool, tennis courts, outdoor gathering areas, sundeck, walkways and more. Located near Topsail Hill Preserve State Park, there are three miles
- [916 Don Bishop Rd., Woodland Bayou, Santa Rosa Beach Florida - Home Just Sold](https://www.itswendy.com/916-don-bishop-rd-woodland-bayou-santa-rosa-beach-florida-home-just-sold/) - This Santa Rosa Beach Florida home was just sold - for full price - in 114 days. This Woodland Bayou home, in the Mack Bayou area, featured a guest house and lake setting. Adding to the appeal, there was also an in-ground pool, screened porch and Florida room. The lot, at almost one acre, was a
- [Blue Dolphin Condo #302, Okaloosa Island, Fort Walton Beach Florida - Short Sale](https://www.itswendy.com/blue-dolphin-condo-302-okaloosa-island-fort-walton-beach-florida-short-sale/) - If you like a bit more privacy on your beach jaunts, then this Blue Dolphin short sale condo on Okaloosa Island Florida is for you! Blue Dolphin is small waterfront complex let's you get away from the crowds... Lounge at the beachfront pool, use the convenient dune-crossing boardwalk to Gulf of Mexico waters! This Fort Walton
- [6776 Perch Rd., Holley by the Sea, Navarre Florida 32566 - Short Sale](https://www.itswendy.com/6776-perch-rd-holley-by-the-sea-navarre-florida-32566-short-sale/) - Like privacy? This Holley by the Sea short sale home on large lot is for you! 6776 Perch Rd., Navarre Florida has special features, including: new wood laminate floors thoughout the house in livingroom, dining, bonus room and hallway, new deck, dishwasher and stove. Tiled kitchen with center isle and storage underneath. Dining area with
- [4700 Falcon Way, Triple Lakes Estates, Crestview Florida - Short Sale](https://www.itswendy.com/4700-falcon-way-triple-lakes-estates-crestview-florida-short-sale/) - This vibrant people-pleasing Crestview Florida short sale home is in Triple Lakes Estates! 4700 Falcon Way has a newly tiled kitchen with bright window over sink. The stove and dishwasher are newer. New wood laminate floors in living room. Master bedroom has two closets, great for the lady of the house! French doors off
- [110 Sandstone Tr., Redstone Estates, Crestview Florida – HAP – VA Compromise Short Sale](https://www.itswendy.com/110-sandstone-tr-redstone-estates-crestview-florida-hap-va-compromise-short-sale/) - Bright, open home in Redstone Estates, Crestview Florida. This HAP and VA Compromise short sale home has expansive spaces make it great for gatherings, family or parties! Kitchen with long breakfast bar shares space with cathedralled living room. Light cabinets, upgraded sink. Plant ledges add interest to the high ceilings. Screened porch and patio overlook
- [How Not To Buy A Destin Florida Foreclosure](https://www.itswendy.com/how-not-to-buy-a-destin-florida-foreclosure/) - Do you think you're clever? Do you think you're gonna save a bundle and make a steal on a Destin Florida foreclosure? Are you skipping the real estate agent (ha ha - save on the commission) and saying "fuhget about" using an attorney? Please don't make the mistake one of my friends just did. He bought
- [1014 Airport Rd., #166, Quail Run – Destin Florida Short Sale](https://www.itswendy.com/1014-airport-rd-166-quail-run-destin-florida-short-sale/) - This Quail Run townhome is pre foreclosure short sale, located in the heart of Destin, Florida. This two story home has a spacious bedroom and full bath on the first floor. The open floor plan and tall ceilings in the living area makes this 3 bedroom unit live big! The kitchen includes a breakfast bar
- [940 McFarlan Ave., Shangra Woods, Fort Walton Beach Florida – Short Sale](https://www.itswendy.com/940-mcfarlan-ave-shangra-woods-fort-walton-beach-florida-short-sale/) - Spacious end unit in the Shangra Woods townhome complex at 940 McFarlan Ave. This Fort Walton Beach short sale home has an open feeling, with breakfast bar between the kitchen and living room. Want a roommate? Two bedrooms up, each with its own full bath is th perfect set-up. Large double driveway for generous parking. Air conditioner new 2007,
- [800 Wild Oak Ave., Kell-Aire Gardens – Destin Florida Short Sale – HUD Pre Foreclosure Sale](https://www.itswendy.com/800-wild-oak-ave-kell-aire-gardens-destin-florida-short-sale-hud-pre-foreclosure-sale/) - Lucky you! This home at 800 Wild Oak Ave. has an approved price for FHA HUD Pre Foreclosure short sale in Kell-Aire Gardens in Destin Florida! Dramatic home with cathedral, big, angled windows for lots of light. Double sliders lead to screened porch. Large utility room to garage, lots of closets for storage. Needs updating, but there
- [CitiMortgage Delays Destin Florida Foreclosures – Due to Oil Spill](https://www.itswendy.com/citimortgage-delays-destin-florida-foreclosures-due-to-oil-spill/) - Leading the mortgage industry, CitiMortgage has announced assistance for borrowers in financial trouble in the oil-threatened regions on the Gulf of Mexico. This is good news for Destin, Fort Walton Beach, Santa Rosa Beach and Navarre Florida short sale sellers. Citi is halting foreclosures on primary mortgages it owns through September 17. Eligible borrowers include those within
- [Just Sold, Lot 5 Capri Cove, Lido Village, Bluewater Bay, Niceville Florida – Short Sale](https://www.itswendy.com/just-sold-lot-5-capri-cove-lido-village-bluewater-bay-niceville-florida-short-sale/) - This beautiful wooded lot on Capri Cove, Lido Village, just sold for $75,000 as a short sale. The parcel is one-half acre on a cul-de-sac. This great location in Bluewater Bay is a quick walk to the Bluewater Bay Tennis Center with 12 clay courts. Also, nearby- the Bluewater Bay Marina with 120 slips plus Schooner's restaurant.
- [Crystal Shores Home Approved as Destin Florida Short Sale](https://www.itswendy.com/crystal-shores-home-approved-as-destin-florida-short-sale/) - I received final approval from GMAC and Regions for this pending Destin Florida short sale in Crystal Shores. This unique Destin Florida home at 4495 Ocean View Drive, had a challenging short sale approval process. The GMAC Broker Price Opinion came in much higher than the contract price. I submitted a counter-analysis of my own, which
- [Regions Bank Approves Destin Florida Short Sale – Sterling Shores Condo](https://www.itswendy.com/regions-bank-approves-destin-florida-short-sale-sterling-shores-condo/) - Regions Bank has approved a Destin Florida short sale in the Sterling Shores condo complex. This unit was in a spectacular setting with views of Gulf of Mexico and luscious pool and landscaping! This smartly decorated unit with breezy balcony provides perfect vacation home to enjoy Destin Florida. Sterling Shores offers a 4300 square foot
- [4 Moreno Point Rd., Holiday Isle, Destin Florida – 32541 – Short Sale with Gulf View](https://www.itswendy.com/4-moreno-point-rd-holiday-isle-destin-florida-32541-short-sale-with-gulf-view/) - Great views of the Gulf of Mexico at 4 Moreno Point, a Holiday Isle property in Destin Florida. This fabulous Thi beach house sleeps 19, so bring all your family. In-ground lagoon pool, game room, four bedrooms with bunkroom to use as fifth. The expansive kitchen, living room and dining are all open and phenomenal size
- [Destin Florida Beaches](https://www.itswendy.com/destin-florida-beaches/) - Playing on the Destin Florida beach... Sea Oats... Chilling out by the Gulf of Mexico... Miles of nature on the Destin Florida coast... Sand at our feet... Join us. It's Wendy! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204 Email Wendy: itswendy@rulnickrealty.com Destin FL
- [207 3rd St., #C, Cherlik, Fort Walton Beach Florida 32548 – Home For Sale](https://www.itswendy.com/207-3rd-st-c-cherlik-fort-walton-beach-florida-32548-home-for-sale/) - Great Fort Walton Beach Florida townhome in Cherlik. Private Lush garden area off tiled patio for cool/shaded relaxation. Storage closet on patio area,and under stairs. 1/2 bath on first floor. Don't miss the huge master bedroom walk-in closet. Seller is offering a $2,000 carpet allowance w/ acceptable contract and per-approved buyer. Carpet is removed from
- [If You Want To Sell Real Estate, Spend $180.00](https://www.itswendy.com/if-you-want-to-sell-real-estate-spend-180-00/) - My real estate market in Destin Florida, relies strongly on the use of the GE ActiveKey for access to listings. Only registered real estate agents can open lockboxes to get the key to the property. I check an online report daily to see who accessed my properties and when. I can email the showing agent for feedback with a personal
- [27 9th Street #4, Shalimar Florida – Home for Sale – Contingent on HAP Approval](https://www.itswendy.com/27-9th-street-4-shalimar-florida-home-for-sale-contingent-on-hap-approval-2/) - Updated townhome on 27 9th Street #4 in Shalimar Florida! Berber carpet, tile kitchen. Most recently painted. Air handler about 3 years old, roof 6 years old, hot water heater 6 years old. Kitchen with repainted custom cabinets, newer appliances. Spacious master bedroom with 2 closets. Attic with pull-down stairs and about 400 SF plywooded for storage.
- [Palmeira Villas at Seagrove Beach, Santa Rosa Beach Florida – Short Sale](https://www.itswendy.com/palmeira-villas-at-seagrove-beach-santa-rosa-beach-florida-short-sale-2/) - Tropical Mediterranean paradise awaits you at Palmeira Villas at Seagrove Beach. This Santa Rosa Beach short sale lot is in the gated community on 30-A in South Walton, Santa Rosa Beach Florida. Note the brick-paved road and beautiful homes. Walk across the street, and access the Gulf of Mexico waters just to the east of One Seagrove Place!
- [Did You Sell Your Santa Rosa Beach Short Sale Too Fast?](https://www.itswendy.com/did-you-sell-your-santa-rosa-beach-short-sale-too-fast-2/) - This weekend I received an offer on a Santa Rosa Beach Florida short sale lot listing. In my area on the Emerald Coast, lots are not easy to sell. In fact, there is a 36 month absorption rate in South Walton County in the 30-A area. Yikes! A normal market may have a 6-7 month absorption
- [521 Risen Star, Steeplechase, Crestview, Florida – Short Sale Home](https://www.itswendy.com/521-risen-star-steeplechase-crestview-florida-short-sale-home-2/) - Artsy decor and lively colors set the tone in this Crestview Florida short sale home at 521 Risen Star in Steeple Chase. Features include much tile and wood laminate flooring, stainless appliances in kitchen, tiled backsplash. Open floor plan with great room. Screened porch overlooking lush koi pond, above ground pool, fire pit for magical evenings. This
- [Crestview Florida VA Compromise Short Sale Seller- Puts “Ooomph” In My Day](https://www.itswendy.com/crestview-florida-va-compromise-short-sale-seller-puts-ooomph-in-my-day-2/) - I received this note today from a Crestview Florida short sale seller. Her recent VA Compromise Sale was approved by Bank of America. The Crestview home closed last week. Hello Wendy, You were the best thing that could've happened in my life at the time, and I am very grateful for your professionalism and dedication to my
- [Miramar Plaza, Destin Florida Office Space for Rent – 32550](https://www.itswendy.com/miramar-plaza-destin-florida-office-space-for-rent-32550-2/) - Rent your Destin Florida office space in professional business atmosphere, in Miramar Plaza on Hwy 98. Travertine floors, two-story cathedralled lobby. Your spacious executive office (9'10"x 15') has hall window and full glass door for open feeling. Easily seat two-three team members. Share in use of spacious conference room, kitchen with whole bean Starbucks coffee
- [No Price Too Big or Little If You Need To Sell Your Destin Florida Short Sale](https://www.itswendy.com/no-price-too-big-or-little-if-you-need-to-sell-your-destin-florida-short-sale/) - No Price Too Big or Little If You Need To Sell Your Destin Florida Short Sale Today I received a call from a potential Destin Florida short sale seller, timid to speak with me. Why? She had been told by the previous real estate agent she contacted, that listing her home was not worth her time! Why? It
- [2005 Bob White, Quail Run, Mary Esther Florida Short Sale – Sold](https://www.itswendy.com/2005-bob-white-quail-run-mary-esther-florida-short-sale-sold/) - One year later, Bank of America finally caught on to the real pricing for this Quail Run short sale home at 2005 Bob White Court in Mary Esther Florida. This West of Hurlburt Field property, located in the greater Fort Walton Beach area, has a unique floorplan with large family room, plus formal tiled living with
- [Homecomings Financial Won’t Talk to Me- Unless I Give Wrong Zip Code for Navarre Florida!](https://www.itswendy.com/homecomings-financial-wont-talk-to-me-unless-i-give-wrong-zip-code-for-navarre-florida/) - I've sold real estate in Navarre Florida a long time. About 20 years to be exact. So I should know what the Navarre zip code is- 32566. Or so I thought. I was calling Homecomings Financial on the status of one of my Navarre short sales. Of course, I going through the usual ninth-degree, name,
- [27 9th St., #1, Country Villas, Shalimar Florida – 32579 – Short Sale](https://www.itswendy.com/27-9th-st-1-country-villas-shalimar-florida-32579-short-sale/) - This Shalimar Florida short sale townhome is an end unit. Beautiful upgrades includes: new carpet, new wood-laminate flooring, freshly painted walls, new ceiling texture, upgraded kitchen cabinets and upgraded upstairs bathroom. Two roomy bedrooms. Convenient inside laundry room with an exterior door that leads out to a large exterior wooden deck installed less than one
- [Jetty East, 204A, Holiday Isle, Destin Florida – Short Sale Condo – Waterfront](https://www.itswendy.com/jetty-east-204a-holiday-isle-destin-florida-short-sale-condo-waterfront/) - Enjoy this updated Destin Florida short sale condo in Jetty East on Holiday Isle, right on the water! Great view of the lake and boating on Destin East Pass. The fun is all outdoors here! Very cool pavilion with barbecue grills and pit. Multiple beach areas on the Gulf of Mexico for surf and sand! Jetty
- [Driftwood Estates, Mack Bayou, Santa Rosa Beach FL Short Sale – Sold & Approved FAST](https://www.itswendy.com/driftwood-estates-mack-bayou-santa-rosa-beach-fl-short-sale-sold-approved-fast/) - What a swift approval for this Santa Rosa Beach Florida short sale home in Driftwood Estates, the Mack Bayou area! In fact, Chase approved the short sale in about three weeks! Regions, the junior lien holder, took four weeks. Details: Home: 66 Driftwood Point Rd., Santa Rosa Beach FL 32459 Original Purchase Price: $464,000 in May
- [Presidio Yacht Club #401, Fort Walton Beach Florida - Condo for Sale](https://www.itswendy.com/presidio-yacht-club-401-fort-walton-beach-florida-condo-for-sale/) - Take in the beautiful views from this Presidio Yacht Club condo in Fort Walton Beach, Florida. Directly on the Santa Rosa Sound with views of the Gulf of Mexico. This Presidio condo is located on the 4th floor, just down the hall from the Media room, fitness center, and guest quarters. This is a unique living area
- [2117 Hadleigh Hills Ct. A5, Navarre Florida 32566 - Short Sale](https://www.itswendy.com/2117-hadleigh-hills-ct-a5-navarre-florida-32566-short-sale/) - Lovely spacious short sale townhome in Hadleigh Hills, Navarre, Florida! Maintenance-free yard, as association takes care of entire grounds. Beautiful dark chocolate maple cabinets and tile floors in foyer, kitchen and baths. Upgraded stainless appliances, pantry. The 9ft ceilings and open floor plan give a bright, comfortable and warm feeling to your new home. Downstairs
- ["You Will Be Personally Penalized” Said the Census Worker](https://www.itswendy.com/you-will-be-personally-penalized-said-the-census-worker/) - Census Bureau workers are regularly calling and asking my office for confidential information about Destin Florida properties we have listed for sale. They are getting sneaky, too. I’ve instructed my office not to answer confidential questions on behalf of any of our sellers. Yesterday one of my team was threatened by a Census Bureau worker
- [532 Tikell Dr., Antioch Estates, Crestview Florida - Short Sale](https://www.itswendy.com/532-tikell-dr-antioch-estates-crestview-florida-short-sale/) - Very appealing short sale home at 532 Tikell Drive in Antioch Estates in Crestview Florida. Painted in rich red and cream tones, you'll find a dramatic entrance into the cathedralled living room. Laminate wood flooring in living room and halls, tile kitchen and baths, berber carpet in bedrooms. Wood burning fireplace. Privacy fence back yard with a double
- [6215 Shire Lane, Crestview Florida 32536 - Home for Sale](https://www.itswendy.com/6215-shire-lane-crestview-florida-32536-home-for-sale/) - Impeccable upkeep makes this Silver Oaks home in Crestview Florida an extraordinary find! Refreshing decor and polished clean. Living room with cathedral, columns, plant ledge, fireplace, open to kitchen and back yard. Tiled kitchen with upgraded lighting, hardware, generous breakfast nook, pantry, extra counters for buffet, workspace. This Silver Oaks home in Crestview Florida has a large,
- [27 9th Street #4, Shalimar Florida - Home for Sale - Contingent on HAP Approval](https://www.itswendy.com/27-9th-street-4-shalimar-florida-home-for-sale-contingent-on-hap-approval/) - Updated townhome on 27 9th Street #4 in Shalimar Florida! Berber carpet, tile kitchen. Most recently painted. Air handler about 3 years old, roof 6 years old, hot water heater 6 years old. Kitchen with repainted custom cabinets, newer appliances. Spacious master bedroom with 2 closets. Attic with pull-down stairs and about 400 SF plywooded for storage.
- [Palmeira Villas at Seagrove Beach, Santa Rosa Beach Florida - Short Sale](https://www.itswendy.com/palmeira-villas-at-seagrove-beach-santa-rosa-beach-florida-short-sale/) - Tropical Mediterranean paradise awaits you at Palmeira Villas at Seagrove Beach. This Santa Rosa Beach short sale lot is in the gated community on 30-A in South Walton, Santa Rosa Beach Florida. Note the brick-paved road and beautiful homes. Walk across the street, and access the Gulf of Mexico waters just to the east of One Seagrove Place!
- [Did You Sell Your Santa Rosa Beach Short Sale Too Fast?](https://www.itswendy.com/did-you-sell-your-santa-rosa-beach-short-sale-too-fast/) - This weekend I received an offer on a Santa Rosa Beach Florida short sale lot listing. In my area on the Emerald Coast, lots are not easy to sell. In fact, there is a 36 month absorption rate in South Walton County in the 30-A area. Yikes! A normal market may have a 6-7 month absorption
- [Deep Water Horizon Oil Rig Explosion – We Are On The Shore. Waiting.](https://www.itswendy.com/deep-water-horizon-oil-rig-explosion-we-are-on-the-shore-waiting/) - If you don’t know – there was a major oil spill from the Deep Water Horizon drilling rig on April 20. It is in the Gulf of Mexico and all over the news. The oil is headed for Louisiana, Alabama, Mississippi, and maybe Northwest Florida. It might eventually hit the Florida Keys and perhaps move
- [Crestview Florida VA Compromise Short Sale Seller- Puts "Ooomph" In My Day](https://www.itswendy.com/crestview-florida-va-compromise-short-sale-seller-puts-ooomph-in-my-day/) - I received this note today from a Crestview Florida short sale seller. Her recent VA Compromise Sale was approved by Bank of America. The Crestview home closed last week. Hello Wendy, You were the best thing that could've happened in my life at the time, and I am very grateful for your professionalism and dedication to my
- [521 Risen Star, Steeplechase, Crestview, Florida - Short Sale Home](https://www.itswendy.com/521-risen-star-steeplechase-crestview-florida-short-sale-home/) - Artsy decor and lively colors set the tone in this Crestview Florida short sale home at 521 Risen Star in Steeple Chase. Features include much tile and wood laminate flooring, stainless appliances in kitchen, tiled backsplash. Open floor plan with great room. Screened porch overlooking lush koi pond, above ground pool, fire pit for magical evenings. This
- [Miramar Plaza, Destin Florida Office Space for Rent – 32550](https://www.itswendy.com/miramar-plaza-destin-florida-office-space-for-rent-32550/) - Rent your Destin Florida office space in professional business atmosphere, in Miramar Plaza on Hwy 98. Travertine floors, two-story cathedralled lobby. Your spacious executive office (9'10"x 15') has hall window and full glass door for open feeling. Easily seat two-three team members. Share in use of spacious conference room, kitchen with whole bean Starbucks coffee
- [U.S. Military PCS Short Sale? Chase Tells Eglin Air Force Base Airman – They Don’t Care](https://www.itswendy.com/u-s-military-pcs-short-sale-chase-tells-eglin-air-force-base-airman-they-dont-care/) - Are you a U.S. military service member at Eglin Air Force Base who has been relocated by the government to a new base? Do you have to do a short sale? Is your lender Chase? If so, you may not get any special consideration, despite PCS (permanent change of station) orders. I am currently in negotiations with Wells
- [Bancorp South Approves Destin Florida Short Sale Condo](https://www.itswendy.com/bancorp-south-approves-destin-florida-short-sale-condo/) - Bancorp South has approved a condo short sale in Harbor Plantation, Destin Florida. Bancorp South primarily operates in the Southeast. Bancorp South does not process short sales like the major lenders (Bank of America, Wells Fargo, etc). Instead they rely on a local attorney who represents them and reviews comparable sales. It removes many layers of
- [119 Palmetto, Wynnehaven Beach Estates, Mary Esther Florida – Short Sale](https://www.itswendy.com/119-palmetto-wynnehaven-beach-estates-mary-esther-florida-short-sale/) - Greetings from your new Mary Esther Florida home in Wynnehaven Beach Estates! This Fort Walton Beach short sale is a great find. Vaulted ceilings in living area with fireplace, tiled floors, eat-in kitchen, separate dining area. Relaxing oversized screened-in patio/sunroom. Large fenced yard with storage shed, corner lot. This Fort Walton Beach short sale home
- [2003 Mistral Lane, Crosswinds Landing, Fort Walton Beach Florida - Home for Sale](https://www.itswendy.com/2003-mistral-lane-crosswinds-landing-fort-walton-beach-florida-home-for-sale/) - Beautiful Fort Walton Beach Florida home for sale on the lake in Crosswinds Landing. Open floor plan with 10' ceilings in the living room, kitchen and dining area. Large master bath with a jacuzzi tub, separate shower, and glass block window. Gas fireplace in living room with built in bookshelves. Large eat in kitchen with
- [Regions Approves Holley by the Sea, Navarre FL Short Sale](https://www.itswendy.com/regions-approves-holley-by-the-sea-navarre-fl-short-sale/) - Regions Mortgage has approved a short sale in Holley by the Sea, Navarre, Florida. Regions has branches primarily in the South and Midwest. I have found they like to negotiate back and forth on short sales, more so than other lenders. They normally want a cash contribution, promissory note, or both, and prefer to move their liens
- [Bank of America Approves Maravilla, Destin Florida Short Sale in 55 Days](https://www.itswendy.com/bank-of-america-approves-maravilla-destin-florida-short-sale-in-55-days/) - It can happen for you! Bank of America has approved a Destin short sale in the Maravilla subdivision - in 55 days! Here is the story: Property: Single family home in Maravilla, Destin Florida Mortgages: Bank of America (formerly Countrywide) first and second - totalling $800,000 Offer: about $360,000 Promissory Note: -0- Cash Contribution: -0- Approval
- [Saxon Approves Driftwood Estates, Santa Rosa Beach FL Short Sale in 15 Days!](https://www.itswendy.com/saxon-approves-driftwood-estates-santa-rosa-beach-fl-short-sale-in-15-days/) - Miracles? Saxon Mortgage quickly approving a short sale? Compared to Saxon horror stories of the past, this Mack Bayou, Driftwood Estates short sale in Santa Rosa Beach Florida - was a dream! Here is the story: Property: House in Driftwood Estates, Santa Rosa Beach, FL Mortgage: Saxon - balance $300,000 Offer: about $190,000 Promissory Note: -0- Cash Contribution: -0-
- [400 Shrewsbury Rd., Mary Esther Florida 32569 – Short Sale](https://www.itswendy.com/400-shrewsbury-rd-mary-esther-florida-32569-short-sale/) - 400 Shrewsbury Rd., Mary Esther, FL 32569 View Map Fort Walton Beach Florida Home for Sale- $119,900 Pleasant Mary Esther Florida short sale home in Bryn Mawr Park with fenced back yard, Florida room open to rest of house. Much remodeling has been done for you! Kitchen cabinets new about 2004. Roof replaced and new
- [Beach House Condo for Sale Unit 302D, Destin, Florida 32550](https://www.itswendy.com/beach-house-condo-for-sale-unit-302d-destin-florida-32550/) - This Beach House condo for sale in Destin Florida comes with 650 feet of beach frontage. Tastefully decorated in the Florida cottage style, this unit will attract many renters. The kitchen is full of upgrades, with wood cabinets, newer countertops and with a conveniently located stacked washer/dryer. Sit on your balcony and watch sunrises and sunsets
- [Carrington Mortgage and Flagstar Bank Approve Fort Walton Beach Florida Short Sale](https://www.itswendy.com/carrington-mortgage-and-flagstar-bank-approve-fort-walton-beach-florida-short-sale/) - My most recent Fort Walton Beach short sale approval was like going through ten rounds in a boxing match. The senior lien, Carrington Mortgage, initially wanted the seller to pay a $150,000 promissory note, or about $450 per month, to cover the loss. The seller, having no income, said no. Carrington then dropped the request and
- [627 Bayou Village Dr., Sandestin Florida – Condo For Sale – 32550](https://www.itswendy.com/627-bayou-village-dr-sandestin-florida-condo-for-sale-32550-2/) - Lakefront villa! A Sandestin Florida condo in Bayou Village- with great views from both up and downstairs. Unit has updated living room furniture, new high-end drapes acroos glass-paneled wall overlooking the water. Watch the ducks come by every day at 2:00. The air conditioner and and ductwork are new. New exterior pavers. Screened porch for cool evenings. Enjoy
- [11 N. 4th Street, Town of Santa Rosa, Santa Rosa Beach FL- 32459 – Short Sale](https://www.itswendy.com/11-n-4th-street-town-of-santa-rosa-santa-rosa-beach-fl-32459-short-sale/) - This home in the Town of Santa Rosa, Santa Rosa Beach Florida, is set among pine trees on 3 lots in the country. The living room has a bay window and a see through rock fireplace to the dining area. Hardwood floors finish the living a dining area. The country kitchen features wrap around cabinets. The master
- [66 Driftwood Point Rd., Driftwood Estates, Mack Bayou, Santa Rosa Beach FL- 32459- Short Sale](https://www.itswendy.com/66-driftwood-point-rd-driftwood-estates-mack-bayou-santa-rosa-beach-fl-32459-short-sale/) - Very open and spacious home in Driftwood Estates, in Mack Bayou, Santa Rosa Beach, Florida. 12" ceramic tile throughout main living areas. 3 bedrooms with a 4th room that could either be used as a bedroom or office, of which has an entry door leading out to covered patio. Formal dining room, sitting room/office, large great
- [Green Tree Approves Elliotts Point, Fort Walton Beach FL Short Sale](https://www.itswendy.com/green-tree-approves-elliotts-point-fort-walton-beach-fl-short-sale/) - Green Tree Servicing has approved the short sale on this home in Elliotts Point, Fort Walton Beach Florida. The odd thing about the approval was that Fannie Mae initially rejected the short sale because the seller was current on his payments, even though he had a hardship, as I wrote in "Current on Your Mortgage? Short Sale Denied!".
- [So, You Have A “Cash” Offer for My Short Sale Listing?](https://www.itswendy.com/so-you-have-a-cash-offer-for-my-short-sale-listing/) - Being a short sale listing agent in Destin, Florida, each week I receive offers on my listings. At least once a week, I hear the same thing from the buyer's agent: “I have a CASH buyer for your short sale listing! He can close immediately.” OK, then what are you expecting from me? And the
- [1630 Seacove Condominiums, Unit 8G, Destin Florida - 32550](https://www.itswendy.com/1630-seacove-condominiums-unit-8g-destin-florida-32550-2/) - This Destin Florida condo for sale is in a great location in Miramar Beach in gated Seacove Condominium on Scenic Gulf Drive (Old Hwy 98) and steps to the deeded beach access. This unit has the best views of the two pools and gazebo. Some furniture to remain. The upgrade to create a second bedroom and
- [Short Sale Sellers – If You Want to Avoid Foreclosure – “You” Must Participate](https://www.itswendy.com/short-sale-sellers-if-you-want-to-avoid-foreclosure-you-must-participate/) - After this last week of trying to help short sale sellers unload their upside-down properties, I’ve experienced a whole range of assistance. Or not. 1. Seller will not return four phone calls and two emails asking if they can do a $1000 cash contribution to dispose of a $150,000 mortgage. Not even an acknowledgment. 2. Seller
- [2512 Sunset Drive, Beacons Bend, Crestview Florida Short Sale - 32536](https://www.itswendy.com/2512-sunset-drive-beacons-bend-crestview-florida-short-sale-32536/) - Hang your hat at 2512 Sunset Drive, in the Beacons Bend subdivison of Crestview Florida. Homey floorplan with kitchen pass-through to dining area. Large lot with plenty of room for playing, pets or picnics. Shed to rear has electricity for a great workshop. Roof has been replaced. Good commuting location from this Crestview Florida short sale
- [618 Gap Creek Rd #8, Northbrook, Fort Walton Beach, Florida 32548- Short Sale](https://www.itswendy.com/618-gap-creek-rd-8-northbrook-fort-walton-beach-florida-32548-short-sale/) - Details Asking Price: $79,900 MLS: 533218 Sq. Feet: 1248 Bedrooms: 2 Bathrooms: 1.5 # of Floors: 2 Subdivision: Northbrook Year Built: 1997 Like to shop? This Fort Walton Beach short sale townhome is in a great location near Santa Rosa Mall, Lowe's, Sam's, Walmart and more! Nice floorplan with tiled kitchen open to living area.
- [What's Happening with Destin Florida Real Estate?](https://www.itswendy.com/whats-happening-with-destin-florida-real-estate/) - Destin Florida Real Estate Market Report February 2010 There were 45 sales of homes and condos in Destin Florida for February 2010, 10 were short sales and 10 were foreclosures. The average sales price for Destin real estate was $291,000. The average list price for Destin homes and condos was $386,000, compared to $442,000
- [“Ouch! My Aching Wrist!” How Blogging Can Be Hazardous to Your Health](https://www.itswendy.com/ouch-my-aching-wrist-how-blogging-can-be-hazardous-to-your-health/) - Are you addicted to your computer? If you are not blogging, are you surfing the internet? Or are you updating your Facebook page, tweeting, sharing, emailing or texting? Do you read the news on your iPhone or Blackberry, and flip from app to app, too? If you’re like me, your two hands are critical to
- [Destin Short Sale Approved in 60 days? A Bank of America short sale? Heck, yes!](https://www.itswendy.com/destin-short-sale-approved-in-60-days-a-bank-of-america-short-sale-heck-yes/) - What does a Bank of America Equator approval look like? Here is the happy email I got regarding a Destin short sale on Saturday: What was the key to getting this short sale approved? Tenacity AND creativity. Bank of America's Equator system rejected this offer of around $165,000 as "insufficent" about five times. It was fair
- [Waterscape C204, Okaloosa Island, Fort Walton Beach FL – Short Sale- Waterfront Condo](https://www.itswendy.com/waterscape-c204-okaloosa-island-fort-walton-beach-fl-short-sale-waterfront-condo/) - View Map Yes, you could live here in this gorgeous Waterscape condo on the beach in Fort Walton Beach Florida! Spectacular short sale property on Okaloosa Island. Sand, sun, gulf and tanning await you. This unit is decorated with luxury in mind. 18" tile floors, kitchen with granite counters, undermount sink, stainless steel appliances. Flat
- [What does a Crestview Florida VA Compromise Sale Approval Look Like from Bank of America?](https://www.itswendy.com/what-does-a-crestview-florida-va-compromise-sale-approval-look-like-from-bank-of-america/) - I just received an approval on a Crestview Florida short sale. Not just any short sale, but on a VA Compromise Sale. When a U.S. veteran has a VA guaranteed mortgage loan, and sells his home in a hardship situation for less than the mortgage balance, there will not be enough to pay back his VA entitlement.
- [801 Loblolly Bay Drive, Mack Bayou, Santa Rosa Beach, FL – Driftwood Estates Short Sale](https://www.itswendy.com/801-loblolly-bay-drive-mack-bayou-santa-rosa-beach-fl-driftwood-estates-short-sale/) - This spacious Mack Bayou short sale home in Santa Rosa Beach, Florida has an open floorplan concept. The living, breakfast area and kitchen are all combined for great gatherings. This home has a formal dining room and grand entry, with a beautiful stair case. Holographic fireplace with heat and fan built in. Five bedrooms, yes "FIVE" and
- [244 Magnolia St., Grayton Beach Florida – Home for Sale](https://www.itswendy.com/244-magnolia-st-grayton-beach-florida-home-for-sale/) - This festive Grayton Beach Florida home is the perfect retreat in the "real beach" town, Old Grayton in the Seagrove Beach area. Fun and eclectic, it is a happy home. Wood floors, open floor plan and interesting room layout make it a great place to live full time, hang out on vacation, use as a
- [How Will a VA Compromise Sale Affect My Credit?](https://www.itswendy.com/how-will-a-va-compromise-sale-affect-my-credit/) - If you are a service member or Veteran near Hurlburt Field or Eglin Air Force Base, you may be considering a VA Compromise sale if you have a VA loan. A compromise sale (or offer in compromise) is when the Veterans Administration approves the sale of your home when your mortgage payoff is greater than the
- [HAP PCS – Eglin AFB and Hurlburt Field – 6 Things You Need To Know](https://www.itswendy.com/hap-pcs-eglin-afb-and-hurlburt-field-6-things-you-need-to-know/) - By now most Eglin Air Force Base and Hurlburt Field airmen are aware of the Homeowner Assistance Program (HAP). HAP has been expanded to help service members pay off much of their mortgage loss when PCSing to a new base and the value of their property has dropped below its mortgage balance. By using HAP
- [Lot 10A Grey Heron Dr., Sea Pines Lot, Milton Florida 32570](https://www.itswendy.com/lot-10a-grey-heron-dr-sea-pines-lot-milton-florida-32570/) - Destin, Florida real estate, Destin Florida short sales, Grey Heron, Sea Pines, Milton Florida real estate, Milton Florida short sales, Pensaocla Florida short sales
- [Can I Put That Destin Condo on Layaway?](https://www.itswendy.com/can-i-put-that-destin-condo-on-layaway/) - I have been negotiating a short sale offer for a Destin Florida condo for about a week. Today I received the following email from the buyer's agent: "Here is my buyer’s final offer for the condo. Purchase Price - $150,000 $50,000 at closing, $50,000 in 12 months and the other $50,000 in 24 months. Seller to
- [916 Don Bishop Rd., Santa Rosa Beach Florida - Home for Sale](https://www.itswendy.com/916-don-bishop-rd-santa-rosa-beach-florida-home-for-sale/) - You've found your playground in paradise in Santa Rosa Beach Florida at this great property at 916 Don Bishop Road! Contemporary, unique home on one acre lot! Your eyes will light up when you see the setting- on a lovely lake. Splash around in your inground pool. Sit out on cool nights in the huge screened
- [That House Is STILL For Sale?](https://www.itswendy.com/that-house-is-still-for-sale/) - Yesterday I went for my morning walk, on a route not travelled for two years in my neighborhood of Crystal Beach in Destin Florida. As I approached the end of a side street, low and behold- that HOUSE was still for sale!! No way! I did a double take, saw there was yet another real
- [Lot 5 Capri Cove, Bluewater Bay Short Sale, Niceville, Florida](https://www.itswendy.com/lot-5-capri-cove-bluewater-bay-short-sale-niceville-florida/) - Have you always wanted to live in Bluewater Bay, Niceville, Florida? Imagine your new home on this wooded half-acre lot on cul-de-sac. The Bluewater Bay short sale lot is within walking distance to Bay, marina, tennis and pool! Golf available, too! Niceville is only a ten minute drive across the Mid-Bay Bridge directly to Destin
- [Lot 17, Wren Way, Magnolia Forest, Niceville Florida - Bluewater Bay Short Sale](https://www.itswendy.com/lot-17-wren-way-magnolia-forest-niceville-florida-bluewater-bay-short-sale/) - Beautiful homesite in Bluewater Bay's Magnolia Forest subdivision, Niceville, Florida. Bluewater Bay has a fantastic tennis center with twelve clay courts, and a professional stadium court. If you are a boater, sail or power, Bluewater Bay Marina is right down the street, on the shore of Choctawhatchee Bay. Live here and open yourself up to the
- [Luau Condo #6108, Sandestin Florida - Short Sale](https://www.itswendy.com/luau-condo-6108-sandestin-florida-short-sale/) - Owning this stylish Luau condo will open you to the world of Sandestin! This Sandestin short sale condo is an efficiency unit. Just drop your keys and go out and play! Amenitis include a great pool, covered parking. Nearby shopping at the Village of Baytowne Wharf. Enjoy beach, bay. Join tennis, beach club, golf, marina, gym!
- [Are Short Sale Lenders More Lenient the Second Time Around?](https://www.itswendy.com/are-short-sale-lenders-more-lenient-the-second-time-around/) - It was almost a year ago that Bank of America approved a short sale on one of my Destin Florida condo listings. The sale price at the time was $260,000. The sellers owed $410,000 on the unit. Bank of America approved the short sale requiring the sellers do a cash contribution of $16,000 towards the
- [Report: Short Sales and Your Credit Score](https://www.itswendy.com/report-short-sales-and-your-credit-score/) - Curious what will happen to your credit score after a short sale? The answer is… it depends. How many mortgage payments did you miss? How much debt do you have? What is your outstanding balance to available credit ratio? What is your overall payment history? Your “point” impact will be calculated by FICO based on these
- [Bank of America and Equator: Hints for Short Sale Success](https://www.itswendy.com/bank-of-america-and-equator-hints-for-short-sale-success/) - If you and your short sale sellers are having problems with Bank of America and Equator (formerly Reotrans), you are not alone. My team and I have been "experimenting" with the new short sale upload system since we've been forced to start using it two weeks ago. Not only does the short sale agent have to use Equator, so
- [Eglin AFB and Hurlburt Field PCS - HAP Helps You Avoid Foreclosure](https://www.itswendy.com/eglin-afb-and-hurlburt-field-pcs-hap-helps-you-avoid-foreclosure/) - Are you an Eglin AFB or Hurlburt Field airman PCSing soon? If you own a home, have to sell, and owe more than your property is worth, there may be help available so you can avoid a foreclosure or even a short sale. The U.S. military Homeowner Assistance Program (HAP) may help you by covering most of the
- [How To Improve Your Credit Score After Short Sale or Foreclosure](https://www.itswendy.com/how-to-improve-your-credit-score-after-short-sale-or-foreclosure/) - Are you one of the many Americans recently affected by financial woes? Have you missed payments, racked up your charge card, gone through a short sale, foreclosure or bankruptcy? As a result, your credit score has probably dropped, maybe substantially. If so, there is a great resource that may help you rebuild your credit. MyFico.Com
- [310 Evergreen, Hurlburt Field, Mary Esther FL- Short Sale](https://www.itswendy.com/1065/) - Calling Hurlburt Field and Eglin AFB! Come home to Mary Esther! This short sale house has been recently painted, with berber carpet, new ceiling fans and tile in kitchen and baths. Darling curb appeal with metal roof (about 4 years old) Central heat and air only about two years old. Bonus room with some heat and
- [4495 Ocean View, Crystal Shores, Destin Florida Short Sale](https://www.itswendy.com/4495-ocean-view-crystal-shores-destin-florida-short-sale/) - The "Bimini House" in Crystal Shores, Destin Florida says "Come on in and have some fun!" with its cheerful tangerine exterior and plethora of porches. This Destin short sale home will make you smile at the happy colors and breezy decor. First floor features wood floors, open dining room, high ceilings and fireplace. The kitchen is
- [Bank of America Approves Destin Short Sale: Boldly Ask and You May Receive](https://www.itswendy.com/bank-of-america-approves-destin-short-sale-boldly-ask-and-you-may-receive/) - Bank of America Approves Destin Short Sale Condo: Pays Past Dues Sometimes you get lucky! Subject Property: Destin short sale condo on the harbor Short Sale Lender: Bank of America Mortgage Balance: $1,200,000.00 Sale Price: $490,000.00 appr Seller Cash Contribution: -0- Seller Promissory Note: -0- Past Due Association Fees Paid by Bank of America: $25,235.67
- [Bank of America & Equator: Are We Guinea Pigs on a Treadmill?](https://www.itswendy.com/bank-of-america-equator-are-we-guinea-pigs-on-a-treadmill/) - If you haven’t heard recently, Bank of America short sales are getting even… well, weirder. Their new plan is to implement an online system where real estate agents and borrowers can upload their own short sale information. It sounds great-- and it would be--if it worked. OK, you might have heard one or two success stories,
- [I Need a Broker Price Opinion- This is a Comparative Market Analysis!](https://www.itswendy.com/i-need-a-broker-price-opinion-this-is-a-comparative-market-analysis/) - I recently got a Mary Esther Florida short sale approved by HSBC, who always provide interesting twists to their short sales. Here is the story: Property: Owner occupied home in Mary Esther Florida Market Value: $130,000 Senior Lien: Wells Fargo - VA loan - $190,000 Junior Lien: HSBC - $40,000 Getting the VA compromise sale approved by
- [359 Clubhouse Drive, Windswept Estates, Freeport Florida - Short Sale](https://www.itswendy.com/359-clubhouse-drive-windswept-estates-freeport-florida-short-sale/) - Gorgeous Windswept Estates short sale home in Freeport Florida set on golf course. Unique architectural touches, curved designs, archways, dramatic foyer and entrance highlighted with columns. Huge kitchen with extra long counterspace with more cabinets above for plenty of storage, banquet area. Wood laminate floors, high ceilings, corner angled fireplace. Formal dining room with French doors. Spacious
- [Beachside II 4291, Sandestin Florida - Short Sale Condo](https://www.itswendy.com/beachside-ii-4291-sandestin-florida-short-sale-condo/) - Beautiful Sandestin short sale condo located on the 9th floor of Beachside II at Sandestin Beach and Golf Club directly on the Gulf of Mexico. The kitchen has granite countertops, recessed lighting and breakfast bar. The master bedroom provides an exquisite view overlooking the gulf. The master bath has a garden tub and a walkin closet. The
- [Santa Rosa Beach Short Sale Approval: Priceless](https://www.itswendy.com/santa-rosa-beach-short-sale-approval-priceless/) - This Santa Rosa Beach Florida short sale set the Bank of America record for me. Document after document was requested, faxed and emailed. Phone call after phone call was made. The file was closed and re-opened many times. The buyers threatened to walk time and again. This short sale was on the edge of collapse throughout much of the approval the
- [TOP SHORT SALE STORIES OF THE YEAR](https://www.itswendy.com/top-short-sale-stories-of-the-year/) - It was a hectic year for short sales, but there was some good news, big and little, that brings hope for 2010. Here are my top short sale stories for the past twelve months, some personal, some national. 1. The first story is a Happy Short Sale Saga. One of my Destin Florida sellers regained
- [Worst Short Sale Lenders of the Year Awards](https://www.itswendy.com/worst-short-sale-lenders-of-the-year-awards/) - Each year I give out awards for the worst short sale lenders I have dealt with in the last twelve months. Congratulations to our 2009 winners! 1. PHH - Now Waiting 9 Months for Approval and Counting PHH Mortgage has had a VA Compromise Offer since February 2009 for a Niceville Florida short sale. They
- [Make Amends with Your Friends - Before It's Too Late](https://www.itswendy.com/make-amends-with-your-friends-before-its-too-late/) - This week I lost a dear friend to cancer. I had known her for many years, but for two of those years we did not speak. Why not? For a silly reason and a silly misunderstanding. We reconnected when I found myself seated in a restaurant booth next to her and her family. She did
- [Current on Your Mortgage? Short Sale Denied!](https://www.itswendy.com/current-on-your-mortgage-short-sale-denied/) - Borrower: Elderly gentleman at retirement age Property: Florida home that was rented out, tenants vacated Lender: Green Tree Servicing Hardship: Major expenses due to spouse being in head-on collision. She will require extensive medical treatment for years and require relocation for appropriate care. Mortgage status: Payments kept current from savings. Account drained from $35,000 to $3,000. Seller’s
- [Aurora Loan Services Offer- Too Good To Be True?](https://www.itswendy.com/aurora-loan-services-offer-too-good-to-be-true/) - A homeowner recently emailed me quite concerned about a letter she received from Aurora Loan Services. She had a second mortgage with them for $29,700 at 12% interest. She had never been late with her payments and was not selling as a short sale. The Aurora letter stated she could pay her loan off now at about one-third what was owed,
- [The Palms Unit 1307, Destin Short Sale Condo](https://www.itswendy.com/the-palms-unit-1307-destin-short-sale-condo/) - Own this fabulous central Destin short sale condo at The Palms! You can pick your choice of on-site fun or pop over to Henderson Beach and the Gulf of Mexico right across Emerald Coast Parkway! The contemporary Palms project includes huge lagoon pool, children's pool, waterfall, tennis, basketball. Love coffee? "The Beach Trader" is on-site
- [The Palms Unit 11003, Destin Florida Short Sale Condo](https://www.itswendy.com/the-palms-unit-11003-destin-florida-short-sale-condo/) - The Palms of Destin is what everyone raves about! You can own this almost-new Destin short sale condo and be in the middle of all the excitement! Pool, tennis? Beach, drinks? You can have it all! Unit is close to Henderson Beach and the Gulf of Mexico for swimming and sunning! The contemporary Palms project includes
- [Feds Shut Down Peoples First Bank - Was Denying All Short Sales Part of Its Demise?](https://www.itswendy.com/feds-shut-down-peoples-first-bank-was-denying-all-short-sales-part-of-its-demise/) - About a year ago I wrote about People's First Community Bank in "Short Sale Denied - Despite Cancer Diagnosis". My seller's husband had kidney cancer, and her financial situation had become tenuous. She could no longer afford the payments on her lot near Destin Florida. I worked to help her do a short sale to
- [Does Your MLS Allow Short Sale Games?](https://www.itswendy.com/does-your-mls-allow-short-sale-games/) - Bravo to the Florida Emerald Coast Association of Realtors for recognizing the risks of multiple offers on short sales. Our MLS requires all short sale contracts to be placed in "Contingent" or "Pending" status. What some agents do to skirt around this rule is submit unsigned "offers" to the short sale lender. That way, they could keep the properties
- [Lot 6 Country Club Dr., Santa Rosa Beach Florida - Off 30-A](https://www.itswendy.com/lot-6-country-club-dr-santa-rosa-beach-florida-off-30-a-2/) - This quarter-acre lot is in Country Club Estates, off 30-A in Santa Rosa Beach Florida. Mostly wooded, it would be the ideal location for your new South Walton home. This Santa Rosa Beach lot is short distance to public beach access, Gulf of Mexico and Gulf Place shopping on 30-A. Lot size approximately 76 x 142. Buy and
- [St. Martin Beachwalk Villas #221, Destin Florida Condo for Sale](https://www.itswendy.com/st-martin-beachwalk-villas-221-destin-florida-condo-for-sale/) - This Destin condo in St. Martin Beachwalk Villas is centrally located on the beach side of highway 98, you can walk to Big Kahuna's Water Park, Mellow Mushroom Pizza, the grocery or convenience store if needed. A short board walk takes you to Sugar Sand Beaches and Emerald Waters of the Gulf of Mexico. This
- [1227 Quail Ridge, Quiet Wood Subdivision, Destin FL - Short Sale Home with Inground Pool](https://www.itswendy.com/1227-quail-ridge-quiet-wood-subdivision-destin-fl-short-sale-home-with-inground-pool/) - Spacious Destin short sale home,1227 Quail Ridge, on cul-de-sac in Quiet Wood subdivision with half-acre lot! Improvements include tile in main living areas, granite counters in kitchen, roof new in 2004 with dimensional shingles. Inground pool with new paper filter, gazebo. Gazebo with red and white grapes, orange, lemon and fig trees. This Destin short sale
- [36 Highland Dr., Fort Walton Beach Florida- Short Sale - Bring Your Toolbox!](https://www.itswendy.com/36-highland-dr-fort-walton-beach-florida-short-sale-bring-your-toolbox/) - This Fort Walton Beach short sale home needs your TLC, but it has a large yard and is on a quiet side street. Some plumbing newer, two outbuildings, A/C new with some warranty left and transferable, dishwasher broken (seller to repair), garbage disposal loud, newer roof with dimensional shingles, sprinkler system (2 broken heads), lawn pump.
- [HAFA SHORT SALES - HOW DOES IT AFFECT YOU?](https://www.itswendy.com/hafa-short-sales-how-does-it-affect-you/) - As you may have heard on the news, the U.S. Treasury is trying to make short sales, well, shorter! Many homeowners and buyers have been plagued for waiting months for short sale approvals. Realtors are at their wits end. Lenders are overloaded with requests. Waiting five months for a short sale approval is becoming the
- [Holiday Isle, Destin Short Sale - Approved by Chase/Washington Mutual](https://www.itswendy.com/holiday-isle-destin-short-sale-approved-by-chasewashington-mutual/) - This townhouse on Durango Road, Holiday Isle in Destin Florida has been approved as a short sale. It is on a canal on Destin Harbor with a dock. It needed significant work due to an active water leak. Lender: Washington Mutual, now Chase Mortgage Balance: $359,000 appr Sale Price: $195,000 appr Approval Time: 5.5 Months If you need to sell
- [Crestview Short Sale Approved By GMAC as HUD / FHA Short Sale](https://www.itswendy.com/crestview-short-sale-approved-by-gmac-as-hud-fha-short-sale/) - This beautiful home at 610 Adams Drive, Crestview Florida was just approved for short sale by GMAC. Mortgage Type: FHA /HUD Approved Price: $115,000 Approval Time: 108 DaysSince this was an FHA/HUD short sale, special procedures had to be followed. The seller was required to write a letter explaining why the home was vacant. FHA short sales typically require
- [Are You A Robot, Or Do You Shut Off Your Cell Phone Off at Night?](https://www.itswendy.com/are-you-a-robot-or-do-you-shut-off-your-cell-phone-off-at-night/) - It was around 5:00 and I was talking on the phone to another real estate agent. She had some questions about one of my listings. She said she might call me back later if she thought of anything else. I said “I’ll talk to you in the morning. I turn my cell phone off at
- [This Is The Short Sale Department, How May I Help You?](https://www.itswendy.com/this-is-the-short-sale-department-how-may-i-help-you/) - Ring ring ring ring. Thank you for calling Short Sale. For priority service, please enter your 10-digit account number followed by the pound sign. 88302720572# Please enter the last four digits of your social security number followed by the pound sign. 4306# That number is not found. One moment please. "Hello. This is Loss Mitigation,
- [Wells Fargo Approves Short Sale Near Rosemary Beach Florida- In Eight Days!](https://www.itswendy.com/wells-fargo-approves-short-sale-near-rosemary-beach-florida-in-eight-days/) - This corner lot in Riviera Beach, Panama City Beach, Florida was just approved for short sale. This property is near Rosemary Beach Florida.. Lender: Wells Fargo Mortgage Balance: $275,000 appr Sale Price: $50,000 appr Faxed short sale package: November 16 Received Approval: November 24 Approval Time: 8 days Promissory Note: None Cash Contribution: None Sales Factors:
- [Aurora Loan Services Approves Seagrove Beach Short Sale in Amazing 84 Days](https://www.itswendy.com/aurora-loan-services-approves-seagrove-beach-short-sale-in-amazing-84-days/) - This unusual duplex in Seagrove Beach, Florida, adjacent to Seaside, was just approved for short sale. This property is less than one block to the Gulf of Mexico. Lender: Aurora Loan Services Mortgage Balance: $875,000 appr Sale Price: $325,000 appr Approval Time: 84 Days Note: This quick approval for an Aurora Loan Services short sale was amazingly fast. If
- [Sunrise Beach Condo #704, Panama City Beach Florida - Short Sale](https://www.itswendy.com/sunrise-beach-condo-704-panama-city-beach-florida-short-sale/) - This view comes with a great Sunrise Beach condo in Panama City Beach Florida! This short sale condo is located about one mile from the exciting new Pier Park shopping. Right on the beach, this 2 bedroom unit with bunk is a quick jaunt to Sharkey's Tiki Bar and Grill. Granite countertops finish off the well equipped kitchen. The master
- [2389 Hemlock Drive, Holley by the Sea, Navarre, Florida - Short Sale](https://www.itswendy.com/2389-hemlock-drive-holley-by-the-sea-navarre-florida-short-sale/) - 2389 Hemlock Drive is in Holley by the Sea, Navarre, Florida. Beautiful home with upgrades! Newer appliances, granite counters. Tiled kitchen, baths. Vaulted living area with accent columns adding drama to open floorplan. Large lot with roaming deer (see photo!!) Holley-by-the-Sea offers a world of amenities, bay access, pool, more. This Navarre Florida short sale home is
- [6444 Starfish Cove, Lighthouse Point, Navarre, FL 32566 - Short Sale](https://www.itswendy.com/6444-starfish-cove-lighthouse-point-navarre-fl-32566-short-sale/) - 6444 Starfish Cove is in Lighthouse Point in Navarre Florida. Cozy cottage with a nice back yard. This Navarre home has an unique floor plan that works!! Floorplan makes good use of all space! Rooms feel large! 3 bedrooms and 2 baths or the 3rd bedroom could be used as an office with double doors off
- [Florida Homeowners Facing Foreclosure - Attorney General is Calling Out Lenders!](https://www.itswendy.com/florida-homeowners-facing-foreclosure-attorney-general-is-calling-out-lenders/) - The Florida Attorney General, Bill McCollum, who is also running for Florida governor, is now getting involved in the abysmal mortgage crisis in Florida. I can recount story after story of fearful homeowners who have told me their lenders would do nothing to help them save their homes. These borrowers cannot crack through the mortgage system for
- [7239 Majestic Blvd., Hidden Bay Village, Navarre Florida - Short Sale](https://www.itswendy.com/7239-majestic-blvd-hidden-bay-village-navarre-florida-short-sale/) - Your Hidden Bay Village Townhouse, 7239 Majestic Boulevard, is located in a waterfront community on East Bay. This Navarre Florida short sale home has an open floor plan. with dramatic kitchen, dining and living areas. Cathedral ceilings in the Master bedroom and in an additional bedroom, the Master also has a balcony. Community pool, dock and boat slips
- [1160 Blackberry Circle, Countrywood Estates, Baker Florida - Crestview Short Sale](https://www.itswendy.com/1160-blackberry-circle-countrywood-estates-baker-florida-crestview-short-sale/) - Dramatic and private - this is your home in Baker Florida, in the Countrywood Estates. Stately setting on one acre lot in a lovely subdivision situated in nature. Spacious open split floor plan, inviting family area and a private master suite. The kitchen is well equipped with an island and a breakfast bar. Enjoy BBQ on the
- [04 To Be Built - Santa Rosa Beach Florida](https://www.itswendy.com/04-to-be-built-santa-rosa-beach-florida/) - 3 Br 3 Ba / 1,527 Square Feet A practical cottage plan with 1,527 square feet of living space, this design is far from mundane. With comfortable living, dining and kitchen areas, 3 bedrooms and 3 baths, this cottage offers individual seclusion. Unpretentious and endearing, this designs offers everything one would need in a coastal
- [Don't Get Caught in the Latest Real Estate Scam](https://www.itswendy.com/dont-get-caught-in-the-latest-real-estate-scam/) - Normally, we all recognize scam emails trying to swindle money. Typically, these mass emails claim to be foreign heads-of-state who want to deposit millions of dollars in YOUR bank account. We hit the "delete" button and forget about them. Well, my office was recently targeted for a more sophisticated real estate scam. In this case, it was not
- [Build Your New Home in Santa Rosa Beach Florida](https://www.itswendy.com/build-your-new-home-in-santa-rosa-beach-florida/) - Do you own a lot on the Emerald Coast of Florida? Have you been thinking for years about building? And you thought it was too expensive? Think again! New construction does not have to be expensive. You can still get the high quality you deserve! Stephen Ingram Custom Building has a vast array of cottage plans starting
- [109 Capri Cove E., Bluewater Bay, Niceville Florida New Home For Sale](https://www.itswendy.com/109-capri-cove-e-bluewater-bay-niceville-florida-new-home-for-sale/) - Live the life in Bluewater Bay! You can build this new Felix Beukenkamp home in Niceville Florida with your own touches! Generous 2153 square feet layout combines the privacy of a split floor plan with open living areas for great entertaining. Spacious great room and formal and informal dining areas. 10' and trayed ceilings, crown molding, Granite
- [Bungalos at Sandestin, Approved for Short Sale in Destin Florida](https://www.itswendy.com/bungalos-at-sandestin-approved-for-short-sale-in-destin-florida/) - This beautiful Bungalos at Sandestin home was just approved for short sale. Sandestin is a subdivision in Destin, Florida in Walton County. The home is scheduled to close within 30 days. Lender: Bank of America, junior and senior liens Hardship: Death of borrower partner Mortgage Balance: $405,000 Sale Price: $310,000 approximately Approval Time: 105 Days If you need to
- [42 Talon Way, Eagle Bay, Santa Rosa Beach Florida – Short Sale](https://www.itswendy.com/42-talon-way-eagle-bay-santa-rosa-beach-florida-short-sale/) - Bright, happy home at 42 Talon Way is a short sale located in quiet subdivision of Eagle Bay, in Santa Rosa Beach Florida. Wonderful outside spaces include front porch, patio and large balcony off master bedroom. Elegant landscaping with palm trees, brick pavered driveway. Impressive entry looking up to second floor. Ample great room with fireplace.
- [East Pass II, Holiday Isle, Destin Florida Condo - Destin Short Sale](https://www.itswendy.com/east-pass-ii-holiday-isle-destin-florida-condo-destin-short-sale/) - East Pass Towers, Destin condos, Destin short sales, Destin short sale agents
- ["Day in the Life" of a Destin Short Sale Agent](https://www.itswendy.com/day-in-the-life-of-a-destin-short-sale-agent/) - Just one of my normal days selling real estate and short sales in Destin, Florida... Buyer agent emails me to say buyer is “walking” if no response from Niceville short sale lender this week. Another buyer agent calls me to say buyer is “walking” by October 31 if no approval given on Destin short sale
- [Do You Deliver "Knock  Your Socks Off Service?"](https://www.itswendy.com/do-you-deliver-knock-your-socks-off-service/) - You walk into a place of business. The receptionist does not look up. She is on the phone. No matter what you do, you get no eye contact. You stomp around and she finally hangs up. No smile. “How can I help you?”, she spurts out. You tell her you are there for an appointment.
- [Will Destin Short Sale Lender "Pay" For The Privilege and Make Nothing?](https://www.itswendy.com/will-destin-short-sale-lender-pay-for-the-privilege-and-make-nothing/) - This is a first for me. As a short sale listing agent in Destin Florida, I have a parcel of land for sale in a ritzy golf course community. It is in a newer gated neighborhood where building lots used to fetch over $200,000. When I took the short sale listing at $90,000, it seemed
- [Do You Tell The Short Sale Lender "Buyer Walked"?](https://www.itswendy.com/do-you-tell-the-short-sale-lender-buyer-walked/) - Karla Leahy started an interesting discussion on www.ShortSaleSuperstars.com. She asked "Do you inform the short sale lender when you no longer have an offer?" From what I’ve seen the thought process behind not divulging the buyer walked is: 1. The lender will complete an appraisal or BPO that will speed up the next approval 2. The seller’s
- [Fairways at Seascape, 9F, Destin Florida Short Sale](https://www.itswendy.com/fairways-at-seascape-9f-destin-florida-short-sale/) - This roomy three-bedroom villa at Fairways at Seascape in Destin Florida feels like a "home". Great views of golf course, rolling grounds, little lake in the fields. Floorplan takes advantage of the outdoors with two sets of sliders to covered patio and your old-fashioned swing. Mirrored dining adds to expansiveness. Private bedrooms. Quiet. This unit
- [Is Your Data Safe?  How I Almost Lost My Entire Database](https://www.itswendy.com/is-your-data-safe-how-i-almost-lost-my-entire-database/) - This Monday morning started out well. I was sorting through emails and structuring my week. One of my assistant's was working on improving our short sale system and was going to add a field to our ACT database. ACT is excellent contact managment software, where one can completely customize all fields, keep detailed notes, and
- [D.R. Horton New Construction Home Sold - Rolling Ridge, Crestview Florida](https://www.itswendy.com/d-r-horton-new-construction-home-sold-rolling-ridge-crestview-florida/) - 605 Rowan Circle, Rolling Ridge, Crestview Florida Wendy Rulnick just sold this gorgeous new home in the D.R. Horton subdvision, Rolling Ridge in Crestview, Florida. The floor plan is wide open with a huge kitchen with columns facing the living room. There is formal dining room with wood floors. The master bedroom is oversized and luxurious.
- [100 Grayton Trails, Santa Rosa Beach Florida - Grayton Beach Home for Sale](https://www.itswendy.com/100-grayton-trails-santa-rosa-beach-florida-grayton-beach-home-for-sale/) - In the shade of historic Grayton Beach Florida surrounded by majestic oaks is the custom home designed by noted Architect John Geogan. Sitting on just under an acre of land in Grayton Beach and within walking distance to the Gulf of Mexico is the craftsman style home with metal roof, wrap-around porch, cement fiber siding freshly
- [My Best Destin Short Sale - And It Never Happened!](https://www.itswendy.com/my-best-destin-short-sale-and-it-never-happened/) - The Destin Florida couple called me after they had run out of options. The wife’s income had been cut in half, and the husband had been laid off from two different jobs in the past year. They had three children-- and their dream home. The house was custom built, and they had put
- [Magnolia Bay #8594, Sandestin, Destin Florida Short Sale](https://www.itswendy.com/magnolia-bay-8594-sandestin-destin-florida-short-sale/) - Serene, sedate and luxurious... This Magnolia Bay townhome is a Sandestin short sale. It feels like a private residence. Note the limestone floors, mahogany entry door, high ceilings and walls of windows. Overlooking a small lake and the Baytowne golf course, this unit is the perfect hideaway as a second home or a great rental.
- [14 Choctawhatchee Dr, Fort Walton Beach Short Sale](https://www.itswendy.com/14-choctawhatchee-dr-fort-walton-beach-short-sale/) - Quirky Fun! This eclectic Fort Walton Beach short sale, in Elliotts Point at 14 Choctawhatchee Dr. is whimsically decorated and offers nooks to explore, flowing spaces, skylights, wood floors and more. Kitchen remodeled. Angled on a corner lot, your home has an apartment or mother-in-law suite to the right. Huge rear covered porch. Garage was converted for
- [10 Tips to Buying New Construction on the Emerald Coast of Florida](https://www.itswendy.com/10-tips-to-buying-new-construction-on-the-emerald-coast-of-florida/) - Are you considering building a new home in Crestview, Freeport, Navarre, Rosemary Beach, Watercolor or Niceville Florida? Consider these questions in your search for that fantastic home of your dreams. 1. Is the builder licensed? This may seem like a basic assumption, but always verify his current active license and possible compaints . Go to the Florida Division of
- [Fort Walton Beach Car Wash For Sale](https://www.itswendy.com/fort-walton-beach-car-wash-for-sale/) - Looking for a Fort Walton Beach business opportunity? This fully automated car wash, called "Water Waves" is located in a high profile area, just 3 miles west of Hurlburt Field on busy Highway 98. It includes 1 Automatic Bay, 4 Self Serve Bays, 5 Vacuum Stations and Numerous Vending Machines for car cleaning supplies. Truly
- [Another Destin Short Sale Approved](https://www.itswendy.com/another-destin-short-sale-approved/) - This beautiful Destin home was just approved for a short sale. It is in the Laurel Grove subdvision in Sandestin Florida. Lienholder: Wells Fargo Mortgage Balance: $560,000 Sale Price: $399,000 Approval Time: 90 Days If you need to sell your home as a short sale in Destin or Sandestin, Florida, it is best to contact an experienced
- [Destin Harbor Condo- Destin Short Sales](https://www.itswendy.com/destin-harbor-condo-destin-short-sales/) - Harbor Plantation Unit 102, Destin FloridaWant one of the best views on Destin harbor? With a boat slip? This Destin short sale condo is one of the most spectacular settings on the water. Wide open floor plan all about the harbor view. Large kitchen with long breakfast bar, solid surface counters. Spacious master bedroom. Project has pool,
- [Eglin AFB HAP Program Changes Announced!](https://www.itswendy.com/eglin-afb-hap-program-changes-announced/) - Are you an airman PCSing from Eglin AFB or Hurlburt Field? Are you upside down in your mortgage and owe more than your current property value? If so, you may know I have been checking the HAP website daily for the last several months. As I have previously reported, the site was taken down
- [110 Cabana Trail - Lakeside at Blue Mountain Beach - Santa Rosa Beach FL Short Sale](https://www.itswendy.com/110-cabana-trail-lakeside-at-blue-mountain-beach-santa-rosa-beach-fl-short-sale/) - This refined Santa Rosa Beach Florida short sale home, adjacent to Redfish Village in the Lakeside at Blue Mountain Beach, is a wonderful design by a renowned architect. The first floor living area has warm wood flooring and old-fashioned built-ins. The breakfast bar is a mile-long custom slab of black granite with furniture spindle supports. Kitchen
- [How Will Santa Rosa Beach Short Sale Affect My Credit?](https://www.itswendy.com/how-will-santa-rosa-beach-short-sale-affect-my-credit/) - Curious what your credit score will drop when you do a short sale? You’ll often read on the internet 80-100 points, sometimes less. Guess what? Sometimes it is more. I just received this email from one of my Santa Rosa Beach Florida short sale sellers. I sold his home a few months ago. I
- [Amalfi Coast Condos, Destin Florida Short Sales](https://www.itswendy.com/amalfi-coast-condos-destin-florida-short-sales/) - Come home to Destin Florida! Your Amalfi Coast short sale condo, in Miramar Beach is gorgeous and spacious! Great furnishings, full size bedrooms. Unit overlooks lavish grounds, pool, and tree-top view of gulf. Walk to private beach across the street on the Gulf of Mexico. Sprawling eight-acre complex with two pools, one heated, two tennis
- [Luau Condo, Sandestin Florida Short Sale](https://www.itswendy.com/luau-condo-sandestin-florida-short-sale/) - Crisp Sandestin condo with Scandinavian flair, gulf views! Your Luau condo is close to Finz restaurant and a quick walk to the beaches of the Gulf of Mexico! Enjoy the property's expansive rooftop observation deck for sunset cocktails, workout center, huge saltwater pool with a exotic waterfall, hot tub, kid's pool, more. Nearby shopping at
- [232 Limestone Circle, Crestview Florida Short Sale](https://www.itswendy.com/232-limestone-circle-crestview-florida-short-sale/) - This great Crestview Florida short sale home at 232 Limestone Circle is south of I-10 in the Redstone subdivision. Striking cathedral, plant ledges and open floor plan! Walk into this inviting brick home and see a huge open area that includes a large formal dining area on your left, which separates the master from
- [36 Calypso Cay, Destiny By The Sea, Destin Florida Home for Sale](https://www.itswendy.com/36-calypso-cay-destiny-by-the-sea-destin-florida-home-for-sale/) - The home, the setting, the location. This home at 36 Calypso Cay is the epitomy of "Destin Florida". This inviting Destiny By The Sea villa is designed for entertaining. Huge open kitchen with breakfast bar big enough for Thanksgiving gatherings. Wonderful space for dining, lounging and relaxing in the great room with fireplace. Wrap around
- [Buying a Destin Short Sale?  Don't Roll Dice on Tax Credit!](https://www.itswendy.com/buying-a-destin-short-sale-dont-roll-dice-on-tax-credit/) - How many times have I asked agents writing offers on my Destin Florida short sale listings to allow 120 days for lender approval? I have it in my MLS notes, I tell them by email and by telephone. And yet, I repeatedly get offers with 45-day approval time lines. Yesterday I received an offer
- [Short Sale Bank Negotiator Interview Coming Up- Better Than a Class!](https://www.itswendy.com/short-sale-bank-negotiator-interview-coming-up-better-than-a-class/) - Saturday August 29th.... Bryant Tutas and Wendy Rulnick will be interviewing a Short Sale Negotiator from one of the major lenders. He's been doing this for 18 years and is a wealth of information. He has agreed to spend 90 minutes answering our questions. Bryant and I have been negotiating with him for a couple
- [Destin, Santa Rosa Beach Florida Foreclosure Help](https://www.itswendy.com/destin-santa-rosa-beach-florida-foreclosure-help/) - Did you know that almost 1 in 4 Florida home loans are delinquent? Even though most of my real estate business in Destin Florida is short sales, this news has stunned me. According to an article by the Miami Herald, 23% of Florida mortgages, or 807,000 of 3.5 million loans are in foreclosure or have late payments
- [86 Cypress Lane, Freeport Florida Short Sale Home](https://www.itswendy.com/86-cypress-lane-freeport-florida-short-sale-home/) - This stately short sale home in Magnolia Landing in Freeport Florida has fine architectural touches and elegant upgrades. Vaulted kicthen and living space with "great room" feel. High ceilings, recessed lighting, textured paint. Kitchen with breakfast bar, solid surface counters, pantry. Interesting architectural features, curved hallway ceiling. Upgraded lighting fixtures, rich looking 18" tile. Huge back yard with
- [Sterling Shores Condo, Destin Florida Short Sale](https://www.itswendy.com/sterling-shores-condo-destin-florida-short-sale/) - Sterling Shores is an exciting condominium complex across from the Gulf of Mexico. This Destin short sale condo is smartly decorated, with breezy balcony to watch the ocean blue and the 4,300 square foot lagoon pool. Complex offers 4300 square foot lagoon pool, workout room, clubhouse, seasonal snackbar, movie theater, wireless internet. Walk to beach across
- [Beachside II, Sandestin Florida Short Sale Approved by EMC](https://www.itswendy.com/beachside-ii-sandestin-florida-short-sale-approved-by-emc/) - Beachside II Condo, Sandestin FL Lender: EMC Original Purchase Price 2005: $800,000 Mortgage Amount: $640,000 Approved Sale Price: $300,000 Notes: Initial contract price was $359,000. Buyer was obtaining a Fannie Mae mortgage. Fannie Mae would not approve the Beachside II condo project for financing due to an outstanding lawsuit against the homeowners association. New Fannie Mae
- [Suntrust Approves Ariel Dunes Condo for Short Sale in Destin Florida](https://www.itswendy.com/suntrust-approves-ariel-dunes-condo-for-short-sale-in-destin-florida/) - This Ariel Dunes condo, in Destin Florida, has been approved for a short sale. Lender: Suntrust Mortgage Balance: appr $380,000 Contract Price: appr $225,000 Terms: Fannie Mae asked seller for promissory note for $8000 to pay past due HOA fees for $100 month for 80 months. Seller instead offered $6000 cash contribution. Fannie Mae agreed. To avoid
- [Bank of America Approval Letter- Version 2- What Deficiency?](https://www.itswendy.com/bank-of-america-approval-letter-version-2-what-deficiency/) - Alas! There is more than one version of the Bank of America approval letter. One without the dreaded "deficiency" reference. Mind you, not stating they reserve the right to pursue a deficiency may not mean Bank of America has given up that right, but it does cause less trepidation. Here is an approval I just received
- [Short Sale Sellers:  Don't Fudge Your Financials!](https://www.itswendy.com/short-sale-sellers-dont-fudge-your-financials/) - Are you doing a short sale of your Destin, Santa Rosa Beach, Niceville or Fort Walton Beach real estate? Part of your lender’s process will be to verify if you have a true financial hardship. Short sale lenders analyze the information you provide, including paystubs, bank statements, tax returns and the financial worksheet. They will run
- [Short Sale Classes for Real Estate Agents- Taught by Practicing Brokers](https://www.itswendy.com/short-sale-classes-for-real-estate-agents-taught-by-practicing-brokers/) - If you are an agent working Short Sales now or want to in the future then this Short Sale Class is a must. This is what Wendy Rulnick and Bryant Tutas' students say: "I had the fortune to be part of your short sale basics webinar. I want to express my gratitude and appreciation to
- [GMAC Approves Niceville Florida Short Sale](https://www.itswendy.com/gmac-approves-niceville-florida-short-sale/) - Wendy Rulnick successfully negotiated short sale approval for a waterfront townhome in Niceville Florida. Hardship: Death of breadwinner Senior Lien: GMAC balance $220,000 Junior Lien: USAA balance $148,000 Sale Price: $219,000 Cash Contribution: $2,500 to GMAC and $13,000 to USAA negotiated down from $44,000 Total Cancelled Debt: $135,000 To avoid foreclosure and sell your Niceville real estate as a short
- [242 Sweetwater Run, Swift Creek, Niceville FL- Short Sale](https://www.itswendy.com/242-sweetwater-run-swift-creek-niceville-fl-short-sale/) - Welcome to Swift Creek, one of Niceville Florida's "nicest" communities. Striking nature, tall trees, phenomenal homes entice you. Swift Creek has parks, playgrounds, stocked ponds, fishing pier and nature trails. There is a 3.7 mile walking/jogging course tor your enjoyment of the beautiful surroundings here. The community center has children's play area, picnic tables, tropical bar, living room and kitchen
- [221 Kono Way, Villages of Crystal Beach, Destin Florida - Short Sale](https://www.itswendy.com/221-kono-way-villages-of-crystal-beach-destin-florida-short-sale/) - Lovely four bedroom. three bath short sale home in the Villages of Crystal Beach. Located in Destin Florida, this is a 3 minute walk to the beach at the Gulf of Mexico. Also, three minutes to Destin Commons, Rave Cinema! Villages of Crystal Beach has a pool and spa, waterfalls and fanciful landscaping. Sold luxuriously
- [217 Kono Way, Villages of Crystal Beach, Destin FL - Short Sale](https://www.itswendy.com/217-kono-way-villages-of-crystal-beach-destin-fl-short-sale/) - Come see this elegant short sale home in the Villages of Crystal Beach. Located in Destin, Florida, this new community has luxurious pool, grounds, landscaping. Just a few minute walk to Destin beaches, Destin Commons, Rave Cinema. Four bedrooms, three full baths and fully furnished. Short sale subject to seller's mortgage holder's approval. Offered at $419,700.
- [Suntrust Approves Niceville Short Sale](https://www.itswendy.com/suntrust-approves-niceville-short-sale/) - This home at 1694 Valparaiso Blvd., in the Pinecrest subdvision in Niceville Florida, has just been approved for short sale! Lender: Suntrust - both first and second mortgage Servicer: First American Loss Mitigation Services Loan Type: Fannie Mae Hardship: Job Loss 1st Mortgage Balance: $192,000 2nd Mortgage Balance: $40,000 List Price: $149,000 Cancelled Debt: appr $83,000 Time for approval:
- [119 Fern Way, Santa Rosa Beach FL - Home for Sale](https://www.itswendy.com/119-fern-way-santa-rosa-beach-fl-home-for-sale/) - Open the from door to the most relaxed feeling of home in this lovely Santa Rosa Beach FL property. Great for entertaining and family. L/R, D/R, Kitchen all open to screened porch, with view of natural landscapped and wooded lawn. Interior features, Maple wood and tile floors, 9' ceilings, crown molding, Kitchen counter tops are
- [36 21st St., Santa Rosa Beach FL Home for Sale](https://www.itswendy.com/36-21st-st-santa-rosa-beach-fl-home-for-sale/) - 36 21st Street, Santa Rosa Beach FLSanta Rosa Beach FL home has a peaceful setting with brick walkways, wrought iron rails and an enormous deck to enjoy the outdoors. Wide-open home with wood laminate floors, electric fireplace, cathedral ceilings. Huge kitchen with many cabinets and much counter space. Office in front of home for
- [209 Bent Arrow, Indian Oaks - Destin Florida Short Sale](https://www.itswendy.com/209-bent-arrow-indian-oaks-destin-florida-short-sale/) - This central Destin home in the Indian Oaks subdivision is a show-off! Bright, clean and surprisingly spacious! Living room with fireplace and cathedral ceiling. White kitchen with tile floors and pass-through. Oversized master bedroom. Fenced back yard with patio. Bent Arrow and Indian Oaks are three minutes from Destin Harbor, Harborwalk Village, the luckiest
- [The Village at Blue Mountain Beach, Santa Rosa Beach FL Short Sale](https://www.itswendy.com/the-village-at-blue-mountain-beach-santa-rosa-beach-fl-short-sale/) - New community- Village of Blue Mountain Beach- in the center of Blue Mountain Beach on 30-A in Santa Rosa Beach, Florida. Enjoy fun on-site at the Beach Club - with fitness center, shuffle board, pools. Prefer to jump in the waters of the Gulf of Mexico? Owners may use access right across street at Inn at
- [HAP - No HELP for Eglin AFB and Hurlburt Field PCS](https://www.itswendy.com/hap-no-help-for-eglin-afb-and-hurlburt-field-pcs/) - HAP, where are you? HAP is the Homeowner Assistance Program for U.S. military members “who face financial loss” when selling their homes in order to PCS, or "permanent change of station" to a new base. In other words, if you are an airman stationed at Eglin Air Force Base, Hurlburt Field or any other
- [Crestview FL Short Sale - Countryview Estates](https://www.itswendy.com/crestview-fl-short-sale-countryview-estates/) - It's all about the yard at this Crestview Florida home in Countryview Estates. You will fall in love with the Japanese maple tree, asian benches, St. Augustine grass and enormous patio. Inside, wide open spaces in the dramatic living room open to dining. Kitchen is bright and big with center isle. Soothing master bedroom separate
- [Short Sales- Bank of America May Ask for Your Retirement Account](https://www.itswendy.com/short-sales-bank-of-america-may-ask-for-your-retirement-account/) - Do you think your 401K is safe? Attorneys have told me in the past that short sale lenders won’t touch your retirement money. Guess what? FALSE! Today a Bank of America negotiator asked me to have my seller liquidate HALF his retirement account to get his short sale approved. The seller has a $400,000 loss on
- [Westwinds- Sandestin Short Sale Approved](https://www.itswendy.com/westwinds-sandestin-short-sale-approved-2/) - This 9th floor unit in the gulf-front Westwinds condo in gated Sandestin was just approved for short sale. Soothing jewel-like colors. Granite breakfast bar, inlaid tile backsplash, recessed lighting. Plush furnishings. Tile flooring. Gorgeous sights of beach, grounds, pool. Westwinds is on the south side of Hwy 98, with gulf-front amenities, restaurants, work-out facilities
- [Short Sale Webinar - Dissecting the Financial Worksheet](https://www.itswendy.com/short-sale-webinar-dissecting-the-financial-worksheet/) - Broker Bryant and Wendy Rulnick just finished teaching Short Sale Basics: Session 2, part of our 5-session webinar series about short sales. Today we covered qualifying the seller and short sale documents. There was a lot of material, in fact we went over time! Part of our in-depth analysis included dissecting the
- [Westwinds- Sandestin Short Sale Approved](https://www.itswendy.com/westwinds-sandestin-short-sale-approved/) - This 9th floor unit in the gulf-front Westwinds condo in gated Sandestin was just approved for short sale. Soothing jewel-like colors. Granite breakfast bar, inlaid tile backsplash, recessed lighting. Plush furnishings. Tile flooring. Gorgeous sights of beach, grounds, pool. Westwinds is on the south side of Hwy 98, with gulf-front amenities, restaurants, work-out
- [](https://www.itswendy.com/561/) - The Florida Association of Realtors uses two different versions of the purchase and sale agreement. One is called " FAR (Florida Association of Realtors)" the other " FAR BAR" (Florida Bar Association). In different parts of the state, real estate agent communities have their own customs as to which version they use. In my Destin
- [Destin FL and Poinciana FL Real Estate Agents Teach Short Sale Classes](https://www.itswendy.com/destin-fl-and-poinciana-fl-real-estate-agents-teach-short-sale-classes/) - Wendy Rulnick, Broker/Owner of Rulnick Realty, in Destin Florida and Bryant Tutas, Broker/Owner of Tutas Towne Realty in Poinciana Florida recently taught real estate agents from around the country-- practical advice for success with short sales. It benefits the consumer, buyers, sellers and the entire economy if agents learn the most effective way to do short sales. Session
- [Why Short Sale Lenders Ask for Promissory Notes - Destin FL](https://www.itswendy.com/why-short-sale-lenders-ask-for-promissory-notes-destin-fl/) - Why would a short sale lender ask for a promissory note or cash contribution from the seller? The emails below, from Bank of America negotiators, will show you exactly why: EXAMPLE #1: Santa Rosa Beach Florida Short Sale “ Please be advised, that before we discuss the closing costs you have to talk to the
- [Fort Walton Beach FL Short Sale Approved in 2 Days](https://www.itswendy.com/fort-walton-beach-fl-short-sale-approved-in-2-days/) - This week I had my all-time record fastest short sale approval. It took two days. Here is what happened: Property: Investment condo - Fort Walton Beach FL Seller Hardship: Loss of Income Lender: BB&T Original Purchase Price: $640,000 Mortgage Balance: $550,000 Contract Price: $380,000 Submitted: 6/22 Approved: 6/24 Conditions: $30,000 promissory note
- [922 Pocahontas - Fort Walton Beach FL - Waterfront- Short Sale](https://www.itswendy.com/922-pocahontas-fort-walton-beach-fl-waterfront-short-sale/) - Deep water views graced by tall trees... this is a unique hideaway in Fort Walton Beach Florida for boat and water lovers. and lot sits up high. Circular drive brings you to home set back from street for privacy. Magnificent oaks adorn lot. Tile floors throughout, wood-ceiling living room, happy kitchen open to dining
- [The Legends - Santa Rosa Beach FL - Short Sale](https://www.itswendy.com/the-legends-santa-rosa-beach-fl-short-sale/) - IMAGINE... Beautiful Gulf Views, Sugar-White Beaches, Emerald Water, Quiet Surroundings, Incredible Sunrises and Sunsets, Ultra-Relaxing Vacation... Sound Good? This is a beautifully redecorated townhouse at The Legends in Santa Rosa Beach Florida. It has new flooring throughout (07), offering over 1400 square feet of living space. The master suite has a king-size bed with a pillow-top mattress,
- [Destin Condos - Short Sales Hurt by Past Due Condo Fees](https://www.itswendy.com/destin-condos-short-sales-hurt-by-past-due-condo-fees/) - In Destin, Florida, and around the country, as time goes by with short sales, a new problem is growing-- unpaid condo association dues. I currently have two short sales pending with with over $20,000 in unpaid association dues. Short sale mortgage holders are growing weary of paying these huge back-fees to facilitate a short sale. Sure, I've had
- [But He Didn't Do Any Work - Why Should He Get The Commission?](https://www.itswendy.com/but-he-didnt-do-any-work-why-should-he-get-the-commission/) - My husband and I had to go shopping for a new television last weekend. The old one was about to die - its channel guide was getting fuzzy and my eyesight is already "bat-like". We researched our options online, found one we wanted, then set out for a reconnaissance mission to Sears, Best Buy and
- [Bank of America "Forgets" to Ask for Promissory Note in Short Sale](https://www.itswendy.com/bank-of-america-forgets-to-ask-for-promissory-note-in-short-sale/) - We all make mistakes, but this was a big one, by a big corporation... I was in negotiations for a short sale on a Crestview, Florida listing. My sellers owed Countrywide/Bank of America about $175,000 as the senior lien and around $25,000 to Citi Financial as the junior lien. The sale price was a spot-on $150,000. Bank
- [Short Sale Class - From Agents By Agents](https://www.itswendy.com/short-sale-class-from-agents-by-agents/) - I am excited to announce that Broker Bryant and I will be launching a Short Sale Webinar starting June 27 - for all to learn and grow.... Broker Bryant has been sharing his thought-provoking and information-packed blog for years, and he never fails to delight his many followers. We are teaming up on this project to educate YOU and share
- [2431 Bungalo Lane, Sandestin - Short Sale - Destin FL](https://www.itswendy.com/2431-bungalo-lane-sandestin-short-sale-destin-fl/) - Adorable Bungalo home in gated Sandestin, tile floors, upgrades, porch. Close to amenity-filled Baytowne Wharf shopping, dining. Fish, pools, tennis, play, job, lifestyle. This home is 1596 square feet, built in 2005. It has three bedrooms and three and a half baths. Destin Florida location has some of the best beaches in the world! This is a
- [67 Tranquility La, Destin FL - Destiny East](https://www.itswendy.com/67-tranquility-la-destin-fl-destiny-east/) - Reminiscent of an Italian Villa, this luxurious Destin Florida home has expansive porches on three levels, high ceilings and travertine tile. Exterior find ivy-draped walls and pavered drive that greet with a refined air. Private yard with gas grill, outdoor shower, detached two car garage set to rear. Interior is opulent, with columns, fireplace,
- [371 Maravilla Dr., Destin FL - Short Sale](https://www.itswendy.com/371-maravilla-dr-destin-fl-short-sale/) - This Destin home has a very open floorplan, kitchen opens to living room, tile floors, high ceilings. Fun beach house decor. Second floor has generous front porch. Huge master with private balcony, two closets. Third bedroom with whirlpool bath, separate shower and huge walk-in closet. Additional bedroom on third floor, great hang-out room, two
- [Destin Broker, Wendy Rulnick, in Florida Realtor Magazine re: Short Sales](https://www.itswendy.com/destin-broker-wendy-rulnick-in-florida-realtor-magazine-re-short-sales/) - The June 2009 issue of Florida Realtor Magazine references Wendy Rulnick, Destin FL Broker/Realtor of Rulnick Realty. Rulnick's article "22 Questions to Ask the Short Sale Lender" is called "impressive" and will help "ensure your transaction goes smoothly".
- [New Era of Real Estate Agents - Will It Last?](https://www.itswendy.com/new-era-of-real-estate-agents-will-it-last/) - Realtor Cooperation Remember the "old" days of selling real estate? When competitors didn't talk? When agents put themselves on pedestals? When they bragged about listings and sales? Or thought they had a "niche" no one could touch? Those days are over. The market has changed. Many real estate agents have been knocked down a peg or two,
- [Don't Ruin Your Credit with FALSE Short Sale Info](https://www.itswendy.com/dont-ruin-your-credit-with-false-short-sale-info/) - Yesterday I received a phone call from an elderly seller who wanted to do a short sale. She had bought a waterfront condo in Destin four years ago, and paid over $800,000. Today, the unit is worth around $350,000. Mrs. Seller told me she had three "friend" investors convince her to buy, who promised to help with the
- [Destin Florida Condos - Market Report](https://www.itswendy.com/destin-florida-condos-market-report/) - Is there a trend starting for the Destin Florida condo market? 1. There were 34 condo sales in Destin for April 2009. This figure is down from March, but there is no definite trend. Monthly sales volume decreaseed, as well. 2. The average Destin condo list price is $420,397. This is down from $711,000 one
- [Spanish Villas Condo, Short Sale, Fort Walton Beach FL](https://www.itswendy.com/spanish-villas-condo-short-sale-fort-walton-beach-fl/) - 399 Marshall Court #6, Fort Walton Beach, FL 32548 Well done Spanish Villas unit in central Fort Walton Beach, Florida near the Santa Rosa mall. Large open spaces, kitchen with breakfast bar and pass-through to living room. Master bedroom has private full bath. Balcony overlooking tennis games. Pool on-site. Separate stairway entrance into your unit.
- [HAP Update](https://www.itswendy.com/hap-update/) - Since writing Eglin AFB and Hurlburt Field: Homeowner Assistance Program (HAP) for Short Sales, more information has come to light. Or lack of thereof! I have received numerous calls and emails looking for clarification on how the program will be implemented, and how it will affect sellers (military relocation term meaning "permanent change of station"). Currently,
- [Short Sale Closing Costs- What Will The Banks Really Pay?](https://www.itswendy.com/short-sale-closing-costs-what-will-the-banks-really-pay/) - As a short sale listing agent in the Destin Florida area, I tend to get the same type of offer again and again. The buyer asks for all closing costs to be paid by the short sale lender. So, on the most recent offer on one of my short sale listings, of course the buyer's
- [305 - 309 Green Acres Rd., Fort Walton Beach FL - Commercial Property](https://www.itswendy.com/305-309-green-acres-rd-fort-walton-beach-fl-commercial-property/) - Fort Walton Beach Florida Commercial Property 2 Acres Plus Two Large Shop/Office/Warehouse Buildings 305 - 309 Green Acres Rd and 1280 Beverly St., Fort Walton Beach FL 32547 This is an incredible value for a large commercial property in Fort Walton Beach Florida. Two adjacent properties for sale totalling 2 acres. 305-309 Green Acres Rd, 1.5 acres
- [1814 Pointed Leaf Lane, Fort Walton Beach FL Short Sale](https://www.itswendy.com/1814-pointed-leaf-lane-fort-walton-beach-fl-short-sale/) - \ Forest Oaks - Short Sale 1814 Pointed Leaf Lane, Fort Walton Beach FL 32547 This Fort Walton Beach townhome, near Lewis Turner and Beal Parkway has a pleasant layout, with open floorplan. Living room open to kitchen. One of the bedrooms has its own
- [9478 Parker Place, Navarre FL Short Sale](https://www.itswendy.com/9478-parker-place-navarre-fl-short-sale/) - 9478 Parker Place Dr., Navarre, FL 32566 This is a huge Navarre Florida home at 2455 square feet! Very open floorplan, big living spaces! Cathedralled living room is punctuated by fun kitchen with red wall. Corner fireplace. Master bathroom with separate shower and huge tub. Total four bedrooms! Attractive patio. This home in the Parker Place
- [Bankruptcy and Short Sales: Case Study](https://www.itswendy.com/bankruptcy-and-short-sales-case-study/) - I have a home listed for short sale in Fort Walton Beach, Florida. The property was a primary residence, and the seller lost his job and relocated to another state to find work. He is also in the midst of divorce proceedings. During the listing period the seller was advised by his attorney to file for
- [Windward Bayfront Home- Bluewater Bay Florida](https://www.itswendy.com/windward-bayfront-home-bluewater-bay-florida/) - 1333 Windward Circle, Niceville FL 32578Fabulous Bluewater Bay bayfront home on Choctawhatchee Bay. Gentle breezes, panoramic views of Destin skyline, pristine gated community. This home has "wow" curb appeal with a tile roof, brick siding and side-entry garage. Spectacular floor-to-ceiling fieldstone fireplace goes up 18' in the full water view living room. Kitchen has magnificent
- [323 Stahlman Ave, Destin FL Home Needs Work](https://www.itswendy.com/323-stahlman-ave-destin-fl-home-needs-work/) - "Unique - Like YOU" 323 Stahlman Ave, Destin FL 32541 This multi-level home in Destin Florida has numerous possibilities for living! Striking main living area with cathedral ceiing and dramatic windows. Very contemporary. Tile and laminate floors. Lower level bedroom with extra loft room above. Another lower level with family room or private bedroom with
- [Santa Rosa Beach Florida Short Sale - Success Story](https://www.itswendy.com/santa-rosa-beach-florida-short-sale-success-story/) - Did you ever hear the expression "Never say die!"? Here is a quick story about a Countrywide short sale in Santa Rosa Beach, Florida. And it has a happy ending. I have a house listed for sale in the Mack Bayou area for $187,100. The sellers had purchased the home as an investment property but
- [Destin FL Home Approved for Short Sale by Aurora Loan Services](https://www.itswendy.com/destin-fl-home-approved-for-short-sale-by-aurora-loan-services/) - Compared to my last 5 month drama with Aurora Loan Services, this was a dream Short Sale approval! Subject: 2047 SF Home in Paradise Retreat, Destin Florida Mortgage: Aurora Loan Services - $400,000 Fair Market Value: $217,000 Amount Forgiven: $183,000 Timeline: 26 Days from Fax to Approval Key to Success: Strong contract, reasonable closing costs,
- [Countrywide Approves Short Sale- But Denies Buyer Loan Due to Underappraisal](https://www.itswendy.com/countrywide-approves-short-sale-but-denies-buyer-loan-due-to-underappraisal/) - This is a true story. You may have thought you heard all the crazy stories you could about Countrywide and short sales, but you haven't. Countrywide approved a short sale for a Destin Florida condo for $100,000. Wonderful. The buyer, who had applied for a loan with Countrywide, proceeded to finalize his own mortgage to close. Countrywide
- [I Helped My Destin Real Estate Competitor- On Purpose](https://www.itswendy.com/i-helped-my-destin-real-estate-competitor-on-purpose/) - As a Short Sale Specialist on the Emerald Coast of Florida, I sometimes run into a situation where a property cannot be saved from foreclosure. Either the seller contacted me too late, or the property combined with the market was so fraught with problems, that a sale could not be obtained. Luckily, we can often
- [How to Sell Your HUD Short Sale Home](https://www.itswendy.com/how-to-sell-your-hud-short-sale-home/) - Do you need to sell your FHA-insured home as a Short Sale? Here is the updated summary of requirements for HUD Short Sales, also called "Pre-Foreclosure" Sales: You must be delinquent 31 days or more at the time of sale. You must list the property with an un-related Licensed Real Estate Broker You must actively market the
- [1369 Ravens Run, Sandestin FL Short Sale](https://www.itswendy.com/1369-ravens-run-sandestin-fl-short-sale/) - Impressive Sandestin Florida home in Laurel Grove on the third green of the Raven golf course. Astounding ceiling heights, natural light from thoughtful and numerous windows to lend air of relaxation and enjoyment! Beautiful beadboard cabinets, black granite counters, stainless appliances. The first floor is a tremendous open space for dining, living, cooking and
- [Destin Florida Short Sale - "Missing" Mortgage](https://www.itswendy.com/destin-florida-short-sale-missing-mortgage/) - I listed a short sale home near Destin, Florida. The seller told me he had two loans, the first with Countrywide, and the second, or junior lien, with HSBC Mortgage Services. We received a fair market value offer about three months ago. I faxed the short sale package to both lenders, and made my follow
- [1945 Seahawk Lane, Navarre FL - Short Sale](https://www.itswendy.com/1945-seahawk-lane-navarre-fl-short-sale/) - Great Holley-by-the-Sea home in Navarre Florida needs immediate pre-foreclosure offer. Big spaces here! Split floorplan, kitchen with oversized pantry, lots of cabinet and counter space. Formal dining room. Living room with angled fireplace. Master bath with whirlpool tub. Needs deep-clean, carpet and paint to your own taste. Huge yard. Owner of the wonderful Navarre property
- [Destin Florida Home for Sale](https://www.itswendy.com/destin-florida-home-for-sale/) - Ready to jump in? This Destin Florida home has an in-ground pool! Big corner lot with lots of native trees and plants for privacy. Home has recently been painted inside. Changeable floor plan. Extra room can be office or formal living room or dining room. Split Master Bedroom has private door to pool area. Roof new 2006. Great central Destin location.
- [Eglin AFB and Hurlburt Field: HAP for Military PCS Short Sales](https://www.itswendy.com/eglin-afb-and-hurlburt-field-hap-for-military-pcs-short-sales/) - Due to the draw-down of the 33rd Fighter Wing at the Eglin AFB complex, approximately 2000 airmen are being relocated from the Emerald Coast of Florida to other air force bases around the country and world. In addition about 1000 personnel from Hurlburt Field are moving to Canon AFB in Clovis, New Mexico. Unfortunately,
- [Sundestin Condo - Destin Florida - Great Beach Home](https://www.itswendy.com/sundestin-condo-destin-florida-great-beach-home/) - Destin Florida - time to own a Sundestin Condo! Seventh floor with awesome beach views. Direct waterfront unit! Newly decorated, new flooing, light maple cabinets with newer appliances, vanities, hardware, light fixtures, furniture, paint andmore! Rated "Gold" on the rental program. New furniture in master bedroom and new flat screen t.v. Sundestin is a great vacation resort
- [Ariel Dunes Condo- Destin - Short Sale Approved](https://www.itswendy.com/ariel-dunes-condo-destin-short-sale-approved/) - The Ariel Dunes condo project in Destin Florida has 112 units for sale. The complex is right across from Gulf of Mexico beaches and has amenities like pools, tennis and golf. Only four units have sold in the past six months. The latest was a short sale, which was approved in 90 days. Summary: Property: Ariel
- [Destin Real Estate Market Report](https://www.itswendy.com/destin-real-estate-market-report/) - In the Destin Florida real estate market, there are 3105 properties for sale-- 935 single family homes, 1869 condos, 206 townhomes and 401 lots. For purposes of this report, the Destin and Sandestin markets have been combined. Sandestin is in the Miramar Beach Florida postal area of Destin, in Walton County. The Destin market
- [Fort Walton Beach FL Home for Sale- Hurlburt Field AFB](https://www.itswendy.com/fort-walton-beach-fl-home-for-sale-hurlburt-field-afb/) - This well kept plantation-style home is located in Mary Esther, Florida, West of Hurlburt Field air force base. It has a grand front porch that hints at the inside appeal! Numerous upgrades include corner-angled fireplace, tray ceiling, oversized windows and wood-type flooring in the living room. Kitchen has a stainless steel refrigerator, flat top stove and plenty
- [Destin Florida Short Sale - Approved in 7 Weeks](https://www.itswendy.com/destin-florida-short-sale-approved-in-7-weeks/) - This Indian Lake condo in Destin Florida has been approved for a short sale by Countrywide. It was listed by three agents before me for over two years. The stunner is - I got a good offer for my seller in less than 60 days, and got her short sale approved in only seven weeks! Summary: Property: condo built 2004,
- [149 Durango Rd., Destin Florida 32541 - Holiday Isle Waterfront Home](https://www.itswendy.com/149-durango-rd-destin-florida-32541-holiday-isle-waterfront-home/) - 149 Durango Road, Holiday Isle, Destin Florida Imagine - sitting on your huge deck, watching the large boats go by on the canal to Destin Harbor. Then getting in your own boat, since it's deep water, and cruising around the corner to A.J.'s restaurant for a sunset drink. Or, perhaps cruise out to the Gulf of Mexico and catch
- [Destin Real Estate Buyer Defaults - What is Recourse?](https://www.itswendy.com/destin-real-estate-buyer-defaults-what-is-recourse/) - Why do many Destin Florida real estate buyers "walk" in the middle of a short sale? As a buyer's agent you've worked hard. You've called and emailed your buyers for months, maybe longer. You've shown them dozens of properties, perhaps even written an offer or two that didn't work out. Finally, they get a contract
- [Destin Short Sales - Treasury Plan May Help Real Estate Market](https://www.itswendy.com/destin-short-sales-treasury-plan-may-help-real-estate-market/) - The Treasury Department has just announced the incentives for lenders to accept short sales. Here is the excerpt from the updated Making Home Affordable plan that may help the Destin real estate market and Emerald Coast short sale properties sell better and perhaps faster: Limiting the Impact of Foreclosure When Modification Doesn't
- [Cabana Club, Destin Florida Condo - Approved Short Sale](https://www.itswendy.com/cabana-club-destin-florida-condo-approved-short-sale/) - Cabana Club #202, Destin Florida 32541 PRE-APPROVED PRICE $260,000 PRE-APPROVED SHORT SALE! Fun Destin condo with great gulf views, right on the water! Generous balcony to enjoy ocean breezes. 4 story complex is located in heart of Crystal Beach in Destin Florida. Location is right near Destin Commons, excellent shopping, golf courses, Sandestin, Baytowne
- [Eglin AFB and Military Members Need Immediate Correction to American Recovery and Reinvestment Act](https://www.itswendy.com/military-members-need-immediate-correction-to-american-recovery-and-reinvestment-act/) - I am privileged to represent Major Jason M. Trew, a pilot with the United States Air Force, as a real estate client. Major Trew is stationed at Eglin Air Force Base. I have Major Trew's home listed for sale in Freeport Florida, because he is being required to relocate by the Air Force to a new
- [Agent Recommends Destin Real Estate Blog](https://www.itswendy.com/agent-recommends-destin-real-estate-blog/) - I wanted to say a great big “THANK YOU” for your amazing Destin real estate blogs about this crazy short sale market we’ve got on our hands!! I feel your pain way over here on the East Coast of Florida! I am involved with 6 short sales at the moment and sometimes I think
- [Destin Real Estate and Homeowner Stability Plan](https://www.itswendy.com/destin-real-estate-and-homeowner-stability-plan/) - Most of us have read the Treasury Department's new Homeowner Affordability and Stability Plan After reading the plan, with details to be unveiled on March 4, I want to know- "How will the plan affect Short Sales? " Most of the plan is focused on aiding homeowners whose primary residence is at risk of foreclosure. Not
- [Destin Real Estate Agent Recommended for Short Sales](https://www.itswendy.com/destin-real-estate-agent-recommended-for-short-sales/) - Today, after getting approval on a short sale home in Destin Florida, I received a letter from the negotiator at Everhome Mortgage: Talk about a pleasure to work with! You are the consummate professional. Your honor and integrity are unquestionable. You have the patience to persevere even in the face of adversity and difficult circumstances.
- [Destin Home Approved for Short Sale in 50 Days](https://www.itswendy.com/destin-home-approved-for-short-sale-in-50-days/) - This Destin Florida home was mortgaged for $415,000. It has an in-ground pool, two-car garage and 1400 square feet. In today's market it is worth $205,000. The short sale was just approved by Everhome Mortgage in 50 days. The negotiator was cooperative, and available by both phone and email. The short sale involved two mortgages, the second
- [Rulnick Realty Adds New Real Estate Agent in Destin Florida](https://www.itswendy.com/rulnick-realty-adds-new-real-estate-agent-in-destin-florida/) - Rulnick Realty announces that Jeff Corl has joined the company. Jeff has been a Realtor® in the Destin Florida area since 2005 and has worked with properties from Navarre to Inlet Beach to North Walton County. Most recently he worked to acquire 160 acres in the North part of Florida's Panhandle for developers to create a
- [Letter to Senator Martinez From Destin Real Estate Broker](https://www.itswendy.com/letter-to-senator-martinez-from-destin-real-estate-broker/) - Mel Martinez United States Senator, Florida Dear Senator Martinez, I am a real estate broker in Destin Florida. I primarily represent sellers who are in the process of short sales. As you know, a significant amount of our population has lost jobs and income and are unable to keep up with their mortgage payments or
- [Banks Hurting Short Sales in Destin Florida](https://www.itswendy.com/banks-hurting-short-sales-in-destin-florida/) - Since I wrote my last blog post about BANKS CHANGING LOCKS on short sales I have had three more cases of lock changes. Today it was on an $850,000 home in a secure gated subdivision on 30-A in Santa Rosa Beach, FL. In fact, just yesterday we received an offer on the property. The home
- [Panama City Beach FL Short Sale - Walk to Beach](https://www.itswendy.com/panama-city-beach-fl-short-sale-walk-to-beach/) - Totally renovated Florida home only 4 blocks to the Panama City Beach beach access & Gulf of Mexico. The entry room (could be den or dining area) has a rustic brick floor & builtin bookshelves. Kitchen has granite countertops, breakfast bar (with palm decorative facial, GE Profile SS gas range (elec oven),
- [Destin Short Sale Sellers:  Commit to Get Your Home Sold](https://www.itswendy.com/destin-short-sale-sellers-commit-to-get-your-home-sold/) - Are you enlisting me to help you sell your Short Sale? I know you've been through a tough time of late. I understand, and empathize. I want to help you out of your situation with an upside-down mortgage, a need to sell your property, and a way to avoid foreclosure. I will go "all out"
- [Paradise Retreat Home for Sale- Destin Florida](https://www.itswendy.com/paradise-retreat-home-for-sale-destin-florida/) - 366 Sandy Cay Drive, Destin FL Short Sale This Destin Florida home is all brick. Located in Paradise Retreat with an open floor plan and cathedral ceilings. The dining and living area has upper shelving and the interior walls were recently painted. The kitchen is centrally located and provides a breakfast bar. The master bedroom provides a
- [Eglin AFB Adds Joint Strike Fighter - Emerald Coast Economy Will Benefit](https://www.itswendy.com/eglin-afb-adds-joint-strike-fighter-emerald-coast-economy-will-benefit/) - Bulletin: Good news for the Emerald Coast of Florida. The Air Force has just announced the F-35 Joint Strike Fighter program will be brought to Eglin Air Force Base. Eglin AFB is the largest contributor to the economy in Northwest Florida, and the biggest military institution in the Department of Defense. The decision to bring in 59
- [Top Five Short Sale Myths](https://www.itswendy.com/top-five-short-sale-myths/) - There are a lot of rumors, supposed strategies and endless classes teaching "short sales". Here are the top five short sale "tactics" worth debunking: 1. You should put a quick closing on your contract to get a faster approval. False. Many short sale lenders have up to 70,000 files they are processing at any one time,
- [Crestview Florida Home for Sale - Short Sale](https://www.itswendy.com/crestview-florida-home-for-sale-short-sale/) - Brick home in Crestview Florida on superb lot in peaceful setting. Hardwood floors! Built-in shelving, brick wood-burning fireplace, laundry room with basin. Very usable basement accessed through garage. Oversized rear deck. Side-entry garage. Short sale subject to seller's mortgage holder's approval.
- [Niceville Short Sale](https://www.itswendy.com/niceville-short-sale/) - Richly painted, plush carpet, interesting angles- this is your Niceville Florida home. You will also find cathedralled living room, plant ledges, kitchen with pass-through, built-in shelving. Big fenced yard, patio. Roof replaced 2004. Easy drive to Gulf beaches, bayou, bay, shopping! Niceville short sale subject to seller's mortgage holder's approval. Offered at $169,900.
- [Niceville Florida Short Sale Buyer Needs Help](https://www.itswendy.com/niceville-florida-short-sale-buyer-needs-help/) - Hi Wendy, I'm a First Time Homebuyer in Niceville Florida (or rather am seeking to become one) and my wife and I found a house that is a short sale. I've been researching the ins and out of buying a short sale but there are of course more questions then answers :) The information I
- [Fort Walton Beach Homeowners: Help To Save Home and Credit](https://www.itswendy.com/fort-walton-beach-homeowners-help-to-save-home-and-credit/) - The best part of my day trumped any real estate sale I could ever make. I was chatting a friend, whom I'll call Jessica, in Fort Walton Beach Florida, when her cell phone rang. Jessica is a small business owner on the Emerald Coast, and I have bought her products for many years. Whenever I
- [Destin Real Estate Buyer's Short Sale Concerns](https://www.itswendy.com/destin-real-estate-buyers-short-sale-concerns/) - Wendy, I have read many of your articles regarding Destin real estate and short sales. I have made an offer to buy a short sale in October and we are still waiting. The house is brand new, it's listed for $799,000. The builder owes over $700,000. The house is not finished, it needs countertops, appliances, driveway, painting,
- [Remove Tax Liens From Short Sales](https://www.itswendy.com/remove-tax-liens-from-short-sales/) - Do you have a federal tax lien on the property you are trying to sell? Is your property's market value less than your mortgage payoff? If so, and you are in a short sale situation, a federal tax lien may cause your lender to deny your sale. Why? If, for example, your home is worth
- [Lenders Changing Locks on Destin Short Sales](https://www.itswendy.com/lenders-changing-locks-on-destin-short-sales/) - A disturbing trend is emerging in the Short Sale world. In the last two months, I have had locks mysteriously changed on my Destin area Short Sale listings, as well as signs removed, one house was in Gulf Breeze Florida, and the other in Santa Rosa Beach Florida. In both cases, I had lockboxes on the properties. The
- [Freeport Florida Home on Acre](https://www.itswendy.com/freeport-florida-home-on-acre/) - 4116 Hwy 3280, Freeport Florida Home on One Acre Looking for serenity and quietude? This lovely Freeport FL home is bright, cheerful, crisp and clean- and set about an acre lot! Buiilt in 2005, three bedrooms and two full baths. Split bedroom floorplan, sharp white and blue kitchen, shiny white floor tiles, plush carpet. Detached
- [Destin Florida Short Sale Approved](https://www.itswendy.com/destin-florida-short-sale-approved/) - BB&T Corporation has approved a short sale listing for sale in the Destin Florida market. Comparatively speaking. BB&T was incredibly easy to work with Details: Hardship: Loss of income, medical bills Property: Home built in 2004, 1900 square feet Lender: BB&T - 80-20 First and second Mortgage Balance: $370,000 Offer: $175,000 (fair market value) Seller Contribution: $20,000 promissory note Debt
- [Short Sale Pricing in Destin Florida](https://www.itswendy.com/263/) - Yesterday I received a phone call from a competitor in my Destin Florida real estate market. The agent had a short sale condo listed in the same building as I did, and questioned why my list price of $260,000 was $40,000 less than his unit. He asked, "Is that price approved by the bank?" I
- [Emerald Coast of Florida Has Diverse Places to Live](https://www.itswendy.com/emerald-coast-of-florida-has-diverse-places-to-live/) - My market on the Emerald Coast of Florida is diverse. So is my real estate practice. As a real estate broker in Destin Florida, my office is centrally located to cover it all, and that I do. From central Destin, it's just 20 minutes to Fort Walton Beach, or 30 minutes straight shot up Highway 98 to Navarre. Or
- [DeFuniak Springs Apartment Complex for Sale](https://www.itswendy.com/defuniak-springs-apartment-complex-for-sale/) - Commercial investment property in DeFuniak Springs, Florida. 12 unit apartment complex. Almost 4 acres. $982,000. Contact Wendy Rulnick Broker 850-650-7883 ext 204. Rulnick Realty, Inc.
- [Kiplinger Magazine: Wendy Rulnick Helps Destin "Short Sale" Sellers](https://www.itswendy.com/kiplinger-magazine-wendy-rulnick-helps-destin-short-sale-sellers/) - Wendy Rulnick, Destin Florida real estate broker, was recently interviewed by Kiplinger Personal Finance magazine. In the February 2009 edition, Kiplinger describes foreclosure avoidance and short sales. Some of Rulnick's Destin real estate clients, who recently participated in a short sale, had their story told. The homeowners plight unfolded from buying at the top of
- [Short Sales:  Undisclosed Liens Will Ruin Your Sale](https://www.itswendy.com/249/) - Getting a Short Sale listing? It is always prudent to ask the seller the typical qualifying questions- "What is your hardship?", "Do your expenses exceed your income?" "Do you have cash funds to cover the deficiency?" But these preliminary inquiries may not be enough. Here are some more probing questions you need to ask the
- [Destin Florida Real Estate Market Summary 2008](https://www.itswendy.com/destin-florida-real-estate-market-summary-2008/) - Destin Real Estate Market Statistics The Destin Florida real estate market had a rocky road in 2008. There are some glimmers of hope, but continued signs of price declines. In summary: 1. In Destin, the "% Sold/List" (Sold to List Price Ratio) dropped from 90% to an average of 84% by the end of the
- [VA Short Sale Guidelines](https://www.itswendy.com/va-short-sale-guidelines/) - The Emerald Coast of Florida has a high military population with both active duty and retired air force personnel. Eglin Air Force Base is located in Fort Walton Beach, and Hurlburt Field is in Navarre, Florida. Duke Field and NAS Whiting Field are nearby. We will be seeing an increase in short sales for GI borrowers when they must relocate during
- [Florida Short Sale Contracts Are "Contracts"](https://www.itswendy.com/florida-short-sale-contracts-are-contracts/) - When I wrote "When is a Contract NOT a Contract?" it stirred up over 40 comments and some controversy. The crux of the matter is that many Destin Florida listing agents are accepting more than one "primary" contract on a Short Sale listing. There is a prevalent belief in the Emerald Coast real estate market and others,
- [22 Questions To Ask The Short Sale Lender](https://www.itswendy.com/22-questions-to-ask-the-short-sale-lender/) - Are you at a loss for words with the Short Sale lender? Here are some questions to pose when you check in on your Short Sale transaction status. Even if you've asked some of these questions before, you may want to ask them again, and repeat certain questions on each call. Many times, you'll elicit a different answer
- [407 Botany Blvd, Botany Bayou, Santa Rosa Beach FL](https://www.itswendy.com/407-botany-blvd-botany-bayou-santa-rosa-beach-fl/) - Make an offer on this magnificant home in Botany Bayou, a gated water-front community in Santa Rosa Beach FL. This stunning home, custom built in 2004 features everything one might expect. The three bedroom stucco (concrete & block) home with split design, features nine to eleven foot trey ceilings, recessed lighting, a great room, formal
- ["Top 10" Worst Short Sale Lenders Awards - 2008](https://www.itswendy.com/top-10-worst-short-sale-lenders-awards-2008/) - In my experience selling short sales in the Destin-Fort Walton Beach, and Emerald Coast FL real estate market, the following lenders are honored with the "Worst Short Sale" lender awards of 2008: #1 Peoples First - Florida's Community Bank - Denies Short Sale Despite Cancer Diagnosis #2 Eglin Federal Credit Union - will not do Short Sales
- [Peoples First Denies Short Sale - Despite Cancer Diagnosis](https://www.itswendy.com/peoples-first-community-bank-not-about-people/) - I am writing about a very disturbing short sale situation. The property is a lot in Windswept Estates, a golf course community in Freeport, Florida. The mortgage is held by Peoples First, "Florida's Community Bank". After several months of price reductions on my seller's lot, we finally got a short sale offer of $29,900- fair market value. The
- [Maravilla #4404, Destin FL Condo](https://www.itswendy.com/maravilla-4404-destin-fl-condo/) - Maravilla #4404, Destin FL Condo $295,000 Finely furnished non-rental unit. Multi-level adds pizazz to resort lifestyle. Tiled living room. Large bonus room can easily be used as third bedroom! Gulf view. As a Maravilla owner, you can enjoy two pools, one heated, hot tub, two tennis courts, club house, and deeded beach access to 2.5
- [BOFA Issues 2 Contradictory Approval Letters!](https://www.itswendy.com/bofa-issues-2-contradictory-approval-letters/) - I just had a Bank of America short sale closing for a home near Destin, FL. BOFA issued TWO different approval letters for the same junior lien: 1. Approval Letter Emailed: Bank of America agrees to accept $1000.00 in certified funds as payment in full of the loan. Upon the Bank's receipt of the payment
- [8730 Rio Vista, Navarre FL Home For Sale - Short Sale](https://www.itswendy.com/8730-rio-vista-navarre-fl-home-for-sale-short-sale/) - 8730 Rio Vista, Navarre FL Home For Sale Located within walking distance of the beach, shopping and restaurants of Navarre this home has been well maintained. The interior has been recently painted to include new interior doors. The kitchen provides plenty of cabinets, side by side refrigerator, stainlesss steel sink and pantry. The master
- [When is a Contract NOT a Contract?](https://www.itswendy.com/when-is-a-contract-not-a-contract/) - Is a contract NOT a contract when it is signed by both buyer and seller? Again and again, buyers are walking from short sale offers with no penalty, sometimes encouraged by their selling agents. Here are two emails below from agents in the Destin- Navarre Florida area whose buyers simply backed out of short sale
- [Rulnick Realty Welcomes Linda Baron to Destin FL Real Estate Firm](https://www.itswendy.com/rulnick-realty-welcomes-linda-baron-to-destin-fl-real-estate-firm/) - Wendy Rulnick, Broker of Rulnick Realty, Destin FL, is pleased to announce the association of Linda Baron with the company. Linda has represented buyers and sellers well over a decade in Walton and Okaloosa counties. Originally licensed as a Realtor in Kentucky, Linda moved to Emerald Coast of Florida where she received a Broker license
- [Destin FL Property - Fixer-Upper](https://www.itswendy.com/destin-fl-property-fixer-upper/) - 1112 Airport Rd., Destin FL 32541 Roll up your sleeves... this Destin FL home is a project. You will need: 2 sinks/vanities for the bathrooms, kitchen cabinet fronts, an oven, floor tiles, paint, grass seed, and pick-up truck to haul away debris. You will get: a spacious home, adding square footage not included in the
- [Destin FL Short Sale - Bayview Home](https://www.itswendy.com/destin-fl-short-sale-bayview-home/) - 90 LegionPark Loop, Destin, FL (Miramar Beach ) 32550 Absolutely delightful and charming home! Unique features of this Destin Legion Park Landing home include exposed shelving in kitchen, tile counters, built-in wine rack. Two living areas, formal and "great room". High and cathedral ceiling accent and recessed lighting, wood stairs add character. Outside- hello tranquility!
- [Niceville Waterfront Property - Water Oaks Townhome](https://www.itswendy.com/niceville-waterfront-property-water-oaks-townhome/) - Water Oaks Townhome It's all about the water! The views from this Niceville Florida property are framed by tall oaks bring serenity, the dock and deep water access bring fun! Located almost at the end of the complex, unit feels very private. Open dining room to step down living room with fireplace. Third bedroom
- [Short Sale Offers- Is This a New Trend?](https://www.itswendy.com/short-sale-offers-is-this-a-new-trend/) - In the past ten days, I've had agents call me with "verbal" offers on three of my short sale listings. Property: House in Navarre FL List price $114,000...verbal offer $70,000 Property: Condo in Sandestin FL List price $580,000...verbal offer $500,000 Property: House in Niceville FL List price $199,900... verbal offer $120,000 Is this a trend?
- [Escada Townhome, Santa Rosa Beach FL Property For Sale](https://www.itswendy.com/escada-townhome-santa-rosa-beach-fl-property-for-sale/) - 219 Via Largo, Santa Rosa Beach FL Property For Sale in Escada Subdivision 1206 Square Feet 3 BR 2 BT Built 2001 $175,000 This is a spacious Escada townhome in a great neighborhood, with Point Washington State Park at the end of the street, the greenway path provides a short walk to Van Butler Elementary.
- [Why You MUST Call The Short Sale Lender Every 3 Days](https://www.itswendy.com/why-you-must-call-the-short-sale-lender-every-3-days/) - If you don't call the Short Sale lender EVERY 3 days... 1. It might be a month before the short sale lender lets you know you are missing paperwork (they "lost" it) 2. You won't know you're not "authorized" (they misplaced your letter) 3. You won't know they NEVER got your short sale package, (although you
- [Market Street Inn, Sandestin FL Condo For Sale (Short Sale)](https://www.itswendy.com/171/) - This Sandestin FL condo is located in the Market Street Inn within Baytowne Wharf this is a lockout unit. Kitchen has granite countertops, tile floors and a stainless steel sink. The large master bath has double vanity sinks, separate shower and tub. Lockout unit has two beds, tub/shower combo, microwave and small refrigerator. Balcony directly
- [Beachside II, Sandestin FL Condo For Sale](https://www.itswendy.com/beachside-ii-sandestin-fl-condo-for-sale/) - 1141 Sq Ft 2 Bedrooms 2 Baths $575,000 This unit is located on the 9th floor of Beachside II at Sandestin Beach and Golf Club directly on the Gulf of Mexico. The kitchen has granite countertops, stainless steel sink and recessed lighting. The master bedroom provides an exquisite view overlooking the gulf. The master bath
- ["Sly" Short Sale Buyer - A Cautionary Tale](https://www.itswendy.com/sly-short-sale-buyer-a-cautionary-tale/) - My story takes place in Destin, Florida. I have modified parts ever so slightly to protect identities, but I write this as a cautionary tale for short sale listing agents and short sale sellers. I received an offer on one of my Destin FL short sale listings. It was a well-done contract with a fair
- [Crestview FL Commercial Property](https://www.itswendy.com/crestview-fl-commercial-property/) - 1058 Farmer St., 4.77 Acre Commercial Lot, Crestview FL 32536 Wooded lot - almost 5 acres. Located between a day care and concrete company- this lot may have commercial, light industrial and/or multi-family development potential. Okaloosa County GIS website lists RGD with future land use MU (mixed use). There is an old house on the
- [Indian Lake - Destin FL Condo - Short Sale](https://www.itswendy.com/indian-lake-destin-fl-condo-short-sale/) - Indian Lake Unit 351, Destin FL 1 BR 1BT 920SF Built 2004 $98,900 Delightfully decorated unit. Wonderful ground floor access with two outside entrances, one from patio and one from large covered exterior hallway. Very open floorplan lives "big". Owner has upgraded with grand farmer sink, top of the line LG washer and dryer with
- [Destin Real Estate Broker Interviewed By Kiplinger Magazine](https://www.itswendy.com/wendy-rulnick-interviewed-by-kiplinger-magazine/) - Wendy Rulnick has been interviewed by Kiplinger Personal Finance Magazine for an upcoming issue. The article will discuss "avoiding foreclosure" specifically with reference to short sales. Wendy Rulnick, a Destin Florida real estate broker, discussed short sales in depth, including hardships, investment property short sales, second lien holders, effects on military members, challenges in short
- [Short Sale Seller: "I Just Want OUT!"](https://www.itswendy.com/short-sale-seller-i-just-want-out/) - Short Sale Seller: "I Just Want OUT!" I recently listed a Short Sale condo for sale in Destin Florida. The property had been converted from apartments a few years ago. It is a one bedroom, 920 square foot ground floor unit. There are 32 units for sale in the complex. The condo fees are a
- [Conversation with a Citi Negotiator](https://www.itswendy.com/conversation-with-a-citi-negotiator/) - I've written a few blog posts about Citi short sales in the past. One, Citi Rep Says Market Didn't Cause Price Decline and another Is Citi Mortgage Getting Nice? Well, I've just had a situation regarding a Santa Rosa Beach FL short sale that I must relay. First Mortgage: Everhome Second Mortgage: Citi Mortgage First Offer: Buyer walked after

## Pages

- [Home](https://www.itswendy.com/) - We specialize in luxury real estate, waterfront, lots, primary homes, second homes, investment properties, and out of state sellers. Free MLS search!
- [Short Sale & Foreclosure Help on the Emerald Coast](https://www.itswendy.com/short-sale-foreclosure-help-on-the-emerald-coast/) - If you are behind on mortgage payments, worried about foreclosure, facing a military PCS, dealing with a job change, divorce, medical hardship, or simply owe more than your Emerald Coast property may be worth, you may have options. A short sale may be one possible solution. In a short sale, the mortgage lender agrees to
- [Short Sale & Security Clearance](https://www.itswendy.com/short-sale-security-clearance/) - Do you hold a government position, are you in the U.S. Military at Eglin Air Force Base or Hurlburt Field, or are you a Federal contractor? These and many other jobs often require a security clearance. If you are considering short sale or foreclosure, proceed with caution or your position may be at risk. If
- [FHA / HUD Short Sales](https://www.itswendy.com/fha-hud-short-sales/) - Do you have an FHA HUD mortgage and live on the Emerald Coast of Florida? If you do and have problems making your payments, HUD has new short sale program changes that might help you. Here is a summary: There are now two options for a HUD Pre Foreclosure Sale (PFS), which is a HUD
- [VA Compromise Sale](https://www.itswendy.com/va-compromise-sale/) - The Emerald Coast of Florida has a high military population with both active duty and retired air force personnel. Eglin Air Force Base is located in Fort Walton Beach, and Hurlburt Field is in Navarre, Florida. Duke Field and NAS Whiting Field are nearby. We will be seeing an increase in short sales for GI
- [PCSing from Eglin AFB](https://www.itswendy.com/pcsing-from-eglin-afb/) - PSCing to a new base?If you are an Eglin Air Force Base or Hurlburt Field airman and own your home, this could be a problem. You may very well be "upside down" in your mortgage. Meaning, the balance you owe is more than market value of your property. That is a common scenario on the
- [Short Sale & Credit Scores](https://www.itswendy.com/short-sale-credit-scores/) - "How Will a Short Sale Affect My Credit?"Your credit rating affects your ability to procure financing and obtain favorable rates. FICO, is the most widely used credit scoring system manager in the world. FICO guidelines state the following go into your credit score: Payment History - 35% of score - includes past due, late payment
- [Deficiency Waiver Questions](https://www.itswendy.com/deficiency-waiver-questions/) - Today’s trend in short sales on the Emerald Coast is "waiver of deficiency”.A short sale is where a property is sold without enough proceeds to pay off the mortgage debt. A "waiver of deficiency” is what happens if the lender accepts the short sale proceeds as payment in full, and cancels the balance of the
- [Florida Foreclosure](https://www.itswendy.com/florida-foreclosure/) - What Happens in a Florida Foreclosure? When you are behind in your mortgage payments, your lender may file a "Lis Pendens". The Lis Pendens is an entry in the public records to make it known a lawsuit is pending involving title to your property. An actual suit will be filed with the court and is
- [Alternatives to Short sale](https://www.itswendy.com/alternatives-to-short-sale/) - Forebearance: Your lender will allow you to delay making payments on your Destin Florida real estate for a period of time, but will add these payments back to your loan. They may be added to the end of your loan, or with a separate payment plan. Re-Amortization: Your lender may add missed payments to your
- [Short Sale Myths](https://www.itswendy.com/short-sale-myths/) - There are a lot of rumors, supposed strategies and endless classes teaching "short sales". Here are the top five short sale "tactics" worth debunking: You should put a quick closing on your contract to get a faster approval. False. Many short sale lenders have up to 70,000 files they are processing at any one time,
- [Short Sale Benefits](https://www.itswendy.com/short-sale-benefits/) - Why Short Sale? A “Short Sale” can be a better alternative to Foreclosure or a Deed-in-Lieu of Foreclosure, and will do less harm to your future ability to borrow. Fannie Mae will not provide a new mortgage for seven years after foreclosure, except for extenuating circumstances. With a short sale, however, you may be able
- [Who Qualifies for a Short Sale?](https://www.itswendy.com/who-qualifies-for-a-short-sale/) - Most lenders will consider allowing a Short Sale if there has been a change in circumstance after the loan was initally obtained which prevents the borrower from making payments. Exceptions exist when a loan is sufficiently "upside down" that the investor considers approving a short sale for a seller with no hardship, who is pursuing
- [What Is a Short Sale?](https://www.itswendy.com/what-is-a-short-sale/) - WHAT IS A SHORT SALE? Background: Why would someone have to "Short Sale"? It stems from inability to keep and pay for a house, condo, townhome lot, or commercial property for the following reasons: loss of income due to miscellaneous circumstances, relocation divorce, medical issues and more. Some borrowers purchased homes with teaser rates that
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- [Probate Real Estate Services](https://www.itswendy.com/probate-real-estate-services/) - Handling sale of probate real estate property from start to closing. Destin area home sales. Trusted with probate real estate executor, trustee
- [Buyer Services](https://www.itswendy.com/buy-property/) - Buying a home is certainly one of the most rewarding experiences most of us ever have; it's also one of the most challenging. Read about our pledge to buyers
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- [Florida Loan Modifications](https://www.itswendy.com/tag/florida-loan-modifications/)
- [lighthouse point](https://www.itswendy.com/tag/lighthouse-point/)
- [holley by the sea homes](https://www.itswendy.com/tag/holley-by-the-sea-homes/)
- [sunrise beach condos](https://www.itswendy.com/tag/sunrise-beach-condos/)
- [aurora loan services short sales](https://www.itswendy.com/tag/aurora-loan-services-short-sales/)
- [seaside short sales](https://www.itswendy.com/tag/seaside-short-sales/)
- [watercolor short sales](https://www.itswendy.com/tag/watercolor-short-sales/)
- [rosemary beach short sales](https://www.itswendy.com/tag/rosemary-beach-short-sales/)
- [wells fargo short sales](https://www.itswendy.com/tag/wells-fargo-short-sales/)
- [Time Management](https://www.itswendy.com/tag/time-management/)
- [crestview short sale agents](https://www.itswendy.com/tag/crestview-short-sale-agents/)
- [chase short sales](https://www.itswendy.com/tag/chase-short-sales/)
- [holiday isle short sales](https://www.itswendy.com/tag/holiday-isle-short-sales/)
- [hafa](https://www.itswendy.com/tag/hafa/)
- [hamp](https://www.itswendy.com/tag/hamp/)
- [pre-approved short sales](https://www.itswendy.com/tag/pre-approved-short-sales/)
- [list fort walton beach home](https://www.itswendy.com/tag/list-fort-walton-beach-home/)
- [quail lake](https://www.itswendy.com/tag/quail-lake/)
- [quiet wood](https://www.itswendy.com/tag/quiet-wood/)
- [destin condos for sale](https://www.itswendy.com/tag/destin-condos-for-sale/)
- [st martin beachwalk](https://www.itswendy.com/tag/st-martin-beachwalk/)
- [30a lots](https://www.itswendy.com/tag/30a-lots/)
- [south walton lots](https://www.itswendy.com/tag/south-walton-lots/)
- [emerald coast associaton of realtors](https://www.itswendy.com/tag/emerald-coast-associaton-of-realtors/)
- [mls](https://www.itswendy.com/tag/mls/)
- [multiple short sale offers](https://www.itswendy.com/tag/multiple-short-sale-offers/)
- [fdic](https://www.itswendy.com/tag/fdic/)
- [ots](https://www.itswendy.com/tag/ots/)
- [the palms destin](https://www.itswendy.com/tag/the-palms-destin/)
- [general short sales](https://www.itswendy.com/tag/general-short-sales/)
- [Make Amends](https://www.itswendy.com/tag/make-amends/)
- [phh short sales](https://www.itswendy.com/tag/phh-short-sales/)
- [saxon mortgage short sales](https://www.itswendy.com/tag/saxon-mortgage-short-sales/)
- [short sale lenders](https://www.itswendy.com/tag/short-sale-lenders/)
- [usaa short sales](https://www.itswendy.com/tag/usaa-short-sales/)
- [short sale superstars](https://www.itswendy.com/tag/short-sale-superstars/)
- [regions short sales](https://www.itswendy.com/tag/regions-short-sales/)
- [beachside ii](https://www.itswendy.com/tag/beachside-ii/)
- [windswept dunes](https://www.itswendy.com/tag/windswept-dunes/)
- [windswept estates](https://www.itswendy.com/tag/windswept-estates/)
- [offers in compromise](https://www.itswendy.com/tag/offers-in-compromise/)
- [equator](https://www.itswendy.com/tag/equator/)
- [reotrans](https://www.itswendy.com/tag/reotrans/)
- [florida short sales](https://www.itswendy.com/tag/florida-short-sales/)
- [short sale association dues](https://www.itswendy.com/tag/short-sale-association-dues/)
- [4495 ocean view](https://www.itswendy.com/tag/4495-ocean-view/)
- [crystal beach destin](https://www.itswendy.com/tag/crystal-beach-destin/)
- [crystal shores](https://www.itswendy.com/tag/crystal-shores/)
- [wynnehaven beach](https://www.itswendy.com/tag/wynnehaven-beach/)
- [credit score](https://www.itswendy.com/tag/credit-score/)
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- [myfico](https://www.itswendy.com/tag/myfico/)
- [suze orman](https://www.itswendy.com/tag/suze-orman/)
- [eglin afb hap](https://www.itswendy.com/tag/eglin-afb-hap/)
- [eglin pcs](https://www.itswendy.com/tag/eglin-pcs/)
- [hurlburt field hap](https://www.itswendy.com/tag/hurlburt-field-hap/)
- [hurlburt pcs](https://www.itswendy.com/tag/hurlburt-pcs/)
- [cash contributions](https://www.itswendy.com/tag/cash-contributions/)
- [magnolia forest homes for sale](https://www.itswendy.com/tag/magnolia-forest-homes-for-sale/)
- [niceville lots](https://www.itswendy.com/tag/niceville-lots/)
- [pricing real estate](https://www.itswendy.com/tag/pricing-real-estate/)
- [don bishop road](https://www.itswendy.com/tag/don-bishop-road/)
- [santa rosa beach fl homes](https://www.itswendy.com/tag/santa-rosa-beach-fl-homes/)
- [south walton real estate](https://www.itswendy.com/tag/south-walton-real-estate/)
- [humor](https://www.itswendy.com/tag/humor/)
- [milton florida real estate](https://www.itswendy.com/tag/milton-florida-real-estate/)
- [milton lots for sale](https://www.itswendy.com/tag/milton-lots-for-sale/)
- [sea pines](https://www.itswendy.com/tag/sea-pines/)
- [Eglin AFB shortsales](https://www.itswendy.com/tag/eglin-afb-shortsales/)
- [Home Owner's Assistance Program](https://www.itswendy.com/tag/home-owners-assistance-program/)
- [Hurldburt Field short sales](https://www.itswendy.com/tag/hurldburt-field-short-sales/)
- [Military Relocation](https://www.itswendy.com/tag/military-relocation/)
- [pre](https://www.itswendy.com/tag/pre/)
- [Florida Beach Property](https://www.itswendy.com/tag/florida-beach-property/)
- [driftwood estates](https://www.itswendy.com/tag/driftwood-estates/)
- [mack bayou homes](https://www.itswendy.com/tag/mack-bayou-homes/)
- [bank approved short sales](https://www.itswendy.com/tag/bank-approved-short-sales/)
- [crestview short sale](https://www.itswendy.com/tag/crestview-short-sale/)
- [okaloosa island condos](https://www.itswendy.com/tag/okaloosa-island-condos/)
- [waterscape](https://www.itswendy.com/tag/waterscape/)
- [Equator Short Sales](https://www.itswendy.com/tag/equator-short-sales/)
- [Blogging](https://www.itswendy.com/tag/blogging/)
- [Carpal Tunnel Syndrome](https://www.itswendy.com/tag/carpal-tunnel-syndrome/)
- [Real Estate Agent Health](https://www.itswendy.com/tag/real-estate-agent-health/)
- [Destin FL Market Conditions](https://www.itswendy.com/tag/destin-fl-market-conditions/)
- [Ft Walton Beach Real Estate](https://www.itswendy.com/tag/ft-walton-beach-real-estate/)
- [Ft Walton Beach Short Sales](https://www.itswendy.com/tag/ft-walton-beach-short-sales/)
- [Crestview Property](https://www.itswendy.com/tag/crestview-property/)
- [Destin Beach Properties](https://www.itswendy.com/tag/destin-beach-properties/)
- [choctawhatchee](https://www.itswendy.com/tag/choctawhatchee/)
- [green tree short sales](https://www.itswendy.com/tag/green-tree-short-sales/)
- [bayou village](https://www.itswendy.com/tag/bayou-village/)
- [sandestin condos for sale](https://www.itswendy.com/tag/sandestin-condos-for-sale/)
- [carrington mortgage short sales](https://www.itswendy.com/tag/carrington-mortgage-short-sales/)
- [flagstar bank short sales](https://www.itswendy.com/tag/flagstar-bank-short-sales/)
- [fort walton beach florida short sales](https://www.itswendy.com/tag/fort-walton-beach-florida-short-sales/)
- [beach house condos for sale](https://www.itswendy.com/tag/beach-house-condos-for-sale/)
- [miramar beach condos for sale](https://www.itswendy.com/tag/miramar-beach-condos-for-sale/)
- [bryn mawr](https://www.itswendy.com/tag/bryn-mawr/)
- [driftwood estates short sales](https://www.itswendy.com/tag/driftwood-estates-short-sales/)
- [mack bayou short sales](https://www.itswendy.com/tag/mack-bayou-short-sales/)
- [saxon short sales](https://www.itswendy.com/tag/saxon-short-sales/)
- [maravilla short sales](https://www.itswendy.com/tag/maravilla-short-sales/)
- [holly by the sea short sales](https://www.itswendy.com/tag/holly-by-the-sea-short-sales/)
- [crosswinds landing](https://www.itswendy.com/tag/crosswinds-landing/)
- [ft walton beach homes for sale](https://www.itswendy.com/tag/ft-walton-beach-homes-for-sale/)
- [119 palmetto](https://www.itswendy.com/tag/119-palmetto/)
- [eglin afb real estate](https://www.itswendy.com/tag/eglin-afb-real-estate/)
- [bancorp south short sales](https://www.itswendy.com/tag/bancorp-south-short-sales/)
- [crestview florida short sales](https://www.itswendy.com/tag/crestview-florida-short-sales/)
- [eglin short sales](https://www.itswendy.com/tag/eglin-short-sales/)
- [hap eglin](https://www.itswendy.com/tag/hap-eglin/)
- [destin commercial rentals](https://www.itswendy.com/tag/destin-commercial-rentals/)
- [destin office for rent](https://www.itswendy.com/tag/destin-office-for-rent/)
- [destin office space](https://www.itswendy.com/tag/destin-office-space/)
- [miramar plaza](https://www.itswendy.com/tag/miramar-plaza/)
- [521 risen star](https://www.itswendy.com/tag/521-risen-star/)
- [steeplechase](https://www.itswendy.com/tag/steeplechase/)
- [crestview va compromise sales](https://www.itswendy.com/tag/crestview-va-compromise-sales/)
- [deep water horizon](https://www.itswendy.com/tag/deep-water-horizon/)
- [oil spill](https://www.itswendy.com/tag/oil-spill/)
- [30a short sales](https://www.itswendy.com/tag/30a-short-sales/)
- [south walton short sales](https://www.itswendy.com/tag/south-walton-short-sales/)
- [palmeira villas at seagrove beach](https://www.itswendy.com/tag/palmeira-villas-at-seagrove-beach/)
- [seaside florida short sales](https://www.itswendy.com/tag/seaside-florida-short-sales/)
- [eglin hap pcs](https://www.itswendy.com/tag/eglin-hap-pcs/)
- [shalimar real estate](https://www.itswendy.com/tag/shalimar-real-estate/)
- [crestview florida homes for sale](https://www.itswendy.com/tag/crestview-florida-homes-for-sale/)
- [shire lane](https://www.itswendy.com/tag/shire-lane/)
- [silver oaks](https://www.itswendy.com/tag/silver-oaks/)
- [antioch estates](https://www.itswendy.com/tag/antioch-estates/)
- [census bureau](https://www.itswendy.com/tag/census-bureau-2/)
- [client confidentiality](https://www.itswendy.com/tag/client-confidentiality-2/)
- [hadleigh hills](https://www.itswendy.com/tag/hadleigh-hills/)
- [navarre florida short sales](https://www.itswendy.com/tag/navarre-florida-short-sales/)
- [fort walton beach condos for sale](https://www.itswendy.com/tag/fort-walton-beach-condos-for-sale/)
- [fort walton beach real](https://www.itswendy.com/tag/fort-walton-beach-real/)
- [presidio yacht club](https://www.itswendy.com/tag/presidio-yacht-club/)
- [driftwood estates homes](https://www.itswendy.com/tag/driftwood-estates-homes/)
- [mack bayou property](https://www.itswendy.com/tag/mack-bayou-property/)
- [holiday isle condos for sale](https://www.itswendy.com/tag/holiday-isle-condos-for-sale/)
- [jetty east condos for sale](https://www.itswendy.com/tag/jetty-east-condos-for-sale/)
- [country villas](https://www.itswendy.com/tag/country-villas/)
- [shalimar short sales](https://www.itswendy.com/tag/shalimar-short-sales/)
- [homecomings financial short sales](https://www.itswendy.com/tag/homecomings-financial-short-sales/)
- [quail run](https://www.itswendy.com/tag/quail-run/)
- [Destin Short Sales & Pre Foreclosure Help.](https://www.itswendy.com/tag/destin-short-sales-pre-foreclosure-help/)
- [Wendy's Destin Real Estate Blog](https://www.itswendy.com/tag/wendys-destin-real-estate-blog/)
- [30a real estate](https://www.itswendy.com/tag/30a-real-estate/)
- [Rosemary Beach Florida Real Estate](https://www.itswendy.com/tag/rosemary-beach-florida-real-estate/)
- [rosemary beach real estate](https://www.itswendy.com/tag/rosemary-beach-real-estate/)
- [Rosemary Beach Short Sales & Pre Foreclosure Help.](https://www.itswendy.com/tag/rosemary-beach-short-sales-pre-foreclosure-help/)
- [ge activekey](https://www.itswendy.com/tag/ge-activekey/)
- [lockboxes](https://www.itswendy.com/tag/lockboxes/)
- [showing real estate](https://www.itswendy.com/tag/showing-real-estate/)
- [207 3rd street](https://www.itswendy.com/tag/207-3rd-street/)
- [cherlik](https://www.itswendy.com/tag/cherlik/)
- [destin beaches](https://www.itswendy.com/tag/destin-beaches/)
- [holiday isle gulf view](https://www.itswendy.com/tag/holiday-isle-gulf-view/)
- [defaults](https://www.itswendy.com/tag/defaults/)
- [florida real estate contracts](https://www.itswendy.com/tag/florida-real-estate-contracts/)
- [real estate contracts](https://www.itswendy.com/tag/real-estate-contracts/)
- [capri cove](https://www.itswendy.com/tag/capri-cove/)
- [lido village](https://www.itswendy.com/tag/lido-village/)
- [niceville short sale agent](https://www.itswendy.com/tag/niceville-short-sale-agent/)
- [citimortgage short sales](https://www.itswendy.com/tag/citimortgage-short-sales/)
- [hud fha short sales](https://www.itswendy.com/tag/hud-fha-short-sales/)
- [kellaire gardens](https://www.itswendy.com/tag/kellaire-gardens/)
- [wild oak](https://www.itswendy.com/tag/wild-oak/)
- [eglin afb homes for sale](https://www.itswendy.com/tag/eglin-afb-homes-for-sale/)
- [shangra woods](https://www.itswendy.com/tag/shangra-woods/)
- [destin florida foreclosures](https://www.itswendy.com/tag/destin-florida-foreclosures/)
- [okaloosa county foreclosures](https://www.itswendy.com/tag/okaloosa-county-foreclosures/)
- [hap eglin afb](https://www.itswendy.com/tag/hap-eglin-afb/)
- [hap hurlburt](https://www.itswendy.com/tag/hap-hurlburt/)
- [redstone estates](https://www.itswendy.com/tag/redstone-estates/)
- [eglin relocation](https://www.itswendy.com/tag/eglin-relocation/)
- [triple lakes estates](https://www.itswendy.com/tag/triple-lakes-estates/)
- [6776 perch](https://www.itswendy.com/tag/6776-perch/)
- [blue dolphin condo](https://www.itswendy.com/tag/blue-dolphin-condo/)
- [okaloosa island short sales](https://www.itswendy.com/tag/okaloosa-island-short-sales/)
- [santa rosa beach realtor](https://www.itswendy.com/tag/santa-rosa-beach-realtor/)
- [woodland bayou](https://www.itswendy.com/tag/woodland-bayou/)
- [30a lots for sale](https://www.itswendy.com/tag/30a-lots-for-sale/)
- [cypress dunes](https://www.itswendy.com/tag/cypress-dunes/)
- [south walton lots for sale](https://www.itswendy.com/tag/south-walton-lots-for-sale/)
- [225 fliva](https://www.itswendy.com/tag/225-fliva/)
- [cinco bayou homes for sale](https://www.itswendy.com/tag/cinco-bayou-homes-for-sale/)
- [fort walton beach florida foreclosures](https://www.itswendy.com/tag/fort-walton-beach-florida-foreclosures/)
- [loblolly bay](https://www.itswendy.com/tag/loblolly-bay/)
- [santa rosa beach florida short sales](https://www.itswendy.com/tag/santa-rosa-beach-florida-short-sales/)
- [curb appeal](https://www.itswendy.com/tag/curb-appeal/)
- [sell my fort walton beach home](https://www.itswendy.com/tag/sell-my-fort-walton-beach-home/)
- [Destin Short Sales in the Regional (Localism) Channel destin florida short sales](https://www.itswendy.com/tag/destin-short-sales-in-the-regional-localism-channel-destin-florida-short-sales/)
- [freeport florida short sales](https://www.itswendy.com/tag/freeport-florida-short-sales/)
- [hammock bay short sales](https://www.itswendy.com/tag/hammock-bay-short-sales/)
- [bp oil spill](https://www.itswendy.com/tag/bp-oil-spill/)
- [310 apple](https://www.itswendy.com/tag/310-apple/)
- [southway estates](https://www.itswendy.com/tag/southway-estates/)
- [destin florida condo sales](https://www.itswendy.com/tag/destin-florida-condo-sales/)
- [island princess condos](https://www.itswendy.com/tag/island-princess-condos/)
- [salesmanship](https://www.itswendy.com/tag/salesmanship/)
- [holley by the sea homes for sale](https://www.itswendy.com/tag/holley-by-the-sea-homes-for-sale/)
- [pineridge trace](https://www.itswendy.com/tag/pineridge-trace/)
- [instant messenger](https://www.itswendy.com/tag/instant-messenger/)
- [Destin condo sales](https://www.itswendy.com/tag/destin-condo-sales/)
- [Destin Florida condo market](https://www.itswendy.com/tag/destin-florida-condo-market/)
- [Shalimar Florida Real Estate](https://www.itswendy.com/tag/shalimar-florida-real-estate/)
- [Azalea Gardens](https://www.itswendy.com/tag/azalea-gardens/)
- [Destin Lots for sale](https://www.itswendy.com/tag/destin-lots-for-sale/)
- [destin florida condos for sale](https://www.itswendy.com/tag/destin-florida-condos-for-sale/)
- [destin pointe](https://www.itswendy.com/tag/destin-pointe/)
- [magnolia house](https://www.itswendy.com/tag/magnolia-house/)
- [crestview hap sales](https://www.itswendy.com/tag/crestview-hap-sales/)
- [the woodlands homes for sale](https://www.itswendy.com/tag/the-woodlands-homes-for-sale/)
- [crestview florida short sale](https://www.itswendy.com/tag/crestview-florida-short-sale/)
- [crestview florida va compromise sales](https://www.itswendy.com/tag/crestview-florida-va-compromise-sales/)
- [ego dr](https://www.itswendy.com/tag/ego-dr/)
- [waterscape condos](https://www.itswendy.com/tag/waterscape-condos/)
- [realtor code of ethics](https://www.itswendy.com/tag/realtor-code-of-ethics/)
- [burnt pine homes for sale](https://www.itswendy.com/tag/burnt-pine-homes-for-sale/)
- [pine valley sandestin](https://www.itswendy.com/tag/pine-valley-sandestin/)
- [holiday shores destin](https://www.itswendy.com/tag/holiday-shores-destin/)
- [gaspar ct](https://www.itswendy.com/tag/gaspar-ct/)
- [navarre foreclosures](https://www.itswendy.com/tag/navarre-foreclosures/)
- [tom king estates](https://www.itswendy.com/tag/tom-king-estates/)
- [short sale myths](https://www.itswendy.com/tag/short-sale-myths/)
- [the palms](https://www.itswendy.com/tag/the-palms/)
- [crystal village](https://www.itswendy.com/tag/crystal-village/)
- [defuniak springs short sales](https://www.itswendy.com/tag/defuniak-springs-short-sales/)
- [hud preforeclosure sales](https://www.itswendy.com/tag/hud-preforeclosure-sales/)
- [misty cove](https://www.itswendy.com/tag/misty-cove/)
- [batchelor's button](https://www.itswendy.com/tag/batchelors-button/)
- [ramar palms](https://www.itswendy.com/tag/ramar-palms/)
- [destin harbor condos](https://www.itswendy.com/tag/destin-harbor-condos/)
- [navarre va compromise sales](https://www.itswendy.com/tag/navarre-va-compromise-sales/)
- [va compromise deficiencies](https://www.itswendy.com/tag/va-compromise-deficiencies/)
- [magnolia creek](https://www.itswendy.com/tag/magnolia-creek/)
- [title searches](https://www.itswendy.com/tag/title-searches/)
- [baker florida short sales](https://www.itswendy.com/tag/baker-florida-short-sales/)
- [destin harbor condos for sale](https://www.itswendy.com/tag/destin-harbor-condos-for-sale/)
- [emerald grande short sales](https://www.itswendy.com/tag/emerald-grande-short-sales/)
- [destin real estate company](https://www.itswendy.com/tag/destin-real-estate-company/)
- [shalimar florida short sales](https://www.itswendy.com/tag/shalimar-florida-short-sales/)
- [grayton beach properties](https://www.itswendy.com/tag/grayton-beach-properties/)
- [multiple offers](https://www.itswendy.com/tag/multiple-offers/)
- [20 audrey dr](https://www.itswendy.com/tag/20-audrey-dr/)
- [far bar short sale addendum](https://www.itswendy.com/tag/far-bar-short-sale-addendum/)
- [calle escada](https://www.itswendy.com/tag/calle-escada/)
- [crestview fl short sales](https://www.itswendy.com/tag/crestview-fl-short-sales/)
- [florida ship short sales](https://www.itswendy.com/tag/florida-ship-short-sales/)
- [7535 loop](https://www.itswendy.com/tag/7535-loop/)
- [holley by the sea listings](https://www.itswendy.com/tag/holley-by-the-sea-listings/)
- [indian lake short sales](https://www.itswendy.com/tag/indian-lake-short-sales/)
- [buyer agents](https://www.itswendy.com/tag/buyer-agents/)
- [negotiating real estate contracts](https://www.itswendy.com/tag/negotiating-real-estate-contracts/)
- [ariel dunes short sales](https://www.itswendy.com/tag/ariel-dunes-short-sales/)
- [destin florida short sale agent](https://www.itswendy.com/tag/destin-florida-short-sale-agent/)
- [miramar beach short sale agent](https://www.itswendy.com/tag/miramar-beach-short-sale-agent/)
- [bank of america deficiency judgments](https://www.itswendy.com/tag/bank-of-america-deficiency-judgments/)
- [steeplechase short sales](https://www.itswendy.com/tag/steeplechase-short-sales/)
- [niceville va compromise sales](https://www.itswendy.com/tag/niceville-va-compromise-sales/)
- [the woodlands short sales](https://www.itswendy.com/tag/the-woodlands-short-sales/)
- [wells fargo va compromise sales](https://www.itswendy.com/tag/wells-fargo-va-compromise-sales/)
- [grove by the sea foreclosures](https://www.itswendy.com/tag/grove-by-the-sea-foreclosures/)
- [santa rosa beach fl foreclosures](https://www.itswendy.com/tag/santa-rosa-beach-fl-foreclosures/)
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