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. Master bath has whirlpool tub with unique tile surround. The screen back porch looks out on a gorgeous shaded lot. It’s amazing and peaceful.  Buyer to verify all data.

2643 Barefoot Creek, Navarre Florida is a short sale. Offered for $174,900.

It’s Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.

Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

The post 2643 Barefoot Creek, Navarre FL Home Near Hidden Creek Golf Course first appeared on Rulnick Realty.

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 Field and the Navarre Beach – for sunning, swimming and boating fun!  Because it’s a HAP qualified home, you won’t have to wait long to move in.

7446 Harvest Village Ct., Navarre FL – HAP Home for Sale – $79,900

How to Buy an Eglin or Hurlburt Field HAP home

HAP PCS Steps

If you are looking for a HAP agent in Navarre, Crestview, Destin or Fort Walton Beach, Florida, contact Wendy Rulnick.

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

The post 7446 Harvest Village Ct., Navarre FL – HAP Home for Sale first appeared on Rulnick Realty.

If you are buying a home around Eglin Air Force Base or 

For example, if you are looking at a Crestview Florida home where the military seller owes $250,000 on the mortgage, and the home is only worth $150,000 (very common), this might be a scenario where HAP could help.  If the seller qualifies, HAP will cover his mortgage loss at time of sale, and allow you to buy it without waiting for a “short sale”.

HAP, run by the Army Corps of Engineers, assists airmen who are PCSing (permanent change of station) with orders to a new base more than 50 miles away.  To qualify for the HAP program, the service members must generally meet these criteria:

1.    They entered into a contract to purchase their current home before July 2006.

2.    It was their primary residence when they got orders to move

3.    Their orders were between February 1 2006 through September 30, 2012.

4.    The property must have declined at least 10% in value.  (That should not be in problem in the Eglin AFB and Hurlburt Field market).

If you find a property in Crestview, Fort Walton Beach, Niceville or Navarre Florida that is specified as “HAP”, what does this mean to you?

1.     Your real estate contract should have language stating it is “contingent on HAP approval”.

2.    You should allow up to 90 days for approval.  The HAP processing time was about six months at the beginning of the year, but it is speeding up.  You may be approved quicker.

3.    HAP generally will pay competitive closing costs, perhaps 3% of the purchase price.  Be prepared that they may not agree with what you are asking.

4.    HAP wants fair market value for the property.  Do not expect to pay much less.  HAP will request the listing agent provide comparable sales data, and they will do an independent analysis, as well.

5.    Realize the Eglin AFB or Hurlburt Field service member will do the initial negotiations with you, and may not accept or may counter offer your proposal.

When it is time to close, HAP will do what is called an “Augmented sale” or “Government Acquisition”.  They will actually buy the property from the service member, then sell it directly to you. 

As you begin your home search in Crestview, Navarre, Niceville and Fort Walton Beach Florida, remember to check out HAP homes.  You may be HAPpy you did!

Eglin and Hurlburt Field HAP help

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

Search Crestview, Navarre and Fort Walton Beach FL Real Estate

Crestview, Navarre and Fort Walton Beach Short Sales & Pre Foreclosure Help.

Read Wendy’s Blog

Wendy is a short sale and pre-foreclosure specialist and has been featured in “Kiplinger Personal Finance Magazine” and “Florida Realtor Magazine”. Call Wendy Rulnick, Broker/Owner,to list and sell your home or condo on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County-  Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. 

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The post How To Buy An Eglin AFB or Hurlburt Field HAP Home first appeared on Rulnick Realty.

6444 Starfish Cove is in Lighthouse Point

This Navarre Florida home is offered at $129,900.

It’s Wendy!

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR     Rulnick Realty, Inc.

Navarre Florida Real Estate

Navarre Short Sales & Pre Foreclosure Help.

Read Short Sale Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com

The post 6444 Starfish Cove, Lighthouse Point, Navarre, FL 32566 – Short Sale first appeared on Rulnick Realty.

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 bedroom has a walk-in closet with storage shelves. The huge fenced back yard is great for gatherings or the addition of a pool. All information to be verified by buyer.  Short Sale.

The post 8730 Rio Vista, Navarre FL Home For Sale – Short Sale first appeared on Rulnick Realty.