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 a neighborhood beach that will inspire daydreams! Build your new home here. There is only one mortgage with Bank of America for faster short sale approval.

Need a Navarre short sale agent? Give me a call 850-650-7883

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

SHOULD YOU SHORT SALE OR STAY CALCULATOR

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in “Kiplinger Personal Finance Magazine” and “Florida Realtor Magazine”. She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field.

The post Navarre by the Sound Building Lot, Near Hurlburt Field Navarre FL 32566 first appeared on Rulnick Realty.

This Navarre Florida short sale has one mortgage with Green Tree Servicing. Green Tree has taken over the servicing of many of Bank of America’s mortgages.  You will be hearing more about them in the future. They currently don’t use the Equator platform that Bank of America does, but process short sales the “old fashioned” way, via fax and repeated phone calls.  This Green Tree short sale could take about 120 days for approval.

Some of the reasons this Holley by the Sea area home sold quickly were its condition, accurate pricing and comprehensive internet marketing.

It’s Wendy!

Testimonials from Wendy Rulnick’s Previous Sellers

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

SHOULD YOU SHORT SALE OR STAY CALCULATOR

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in “Kiplinger Personal Finance Magazine” and “Florida Realtor Magazine”. She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field.

The post 2643 Barefoot Creek, Navarre Florida Home – Listing About Sold first appeared on Rulnick Realty.

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!

What is normally included in a simple VA Compromise Sale package?
Hardship Letter
Dodd-Frank Certification
Two years tax returns
Financial worksheet
Proof of Income
Bank Statements
Preliminary Settlement Statement
Listing Agreement
Buyer Proof of Funds
Contract (purchase and sale agreement)
Authorization to speak with listing broker

What are the benefits of a VA Compromise Sale?
The borrower will not have to pay back the shortfall (if there was no fraud, misrepresentation or bad faith when the loan was obtained)
There is currently a $1500 relocation bonus paid to the VA borrower at closing

What are the negatives of a VA Compromise Sale?
You cannot obtain another VA mortgage loan unless you pay back the government loss
Your credit will be reported as “Paid in full for less than the full balance”
You may owe federal taxes depending on current tax law and your total financial picture

One of the key differences between VA Compromise Sale program and traditional short sales is that you must have a hardship. Nowadays, so-called “strategic” short sales are more common, where the borrower no longer wants the property, has no financial hardship, so participates in the loss by contributing cash or agrees to a promissory note to obtain a short sale. This is not the case with a VA mortgage. You must be at risk of default, and not have your own cash available to contribute.

More questions about VA Compromise Sale?  Email me at itswendy@rulnickrealty.com

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 Citi – VA Compromise Sale Approved in The Meadows – Navarre FL first appeared on Rulnick Realty.

I am humbled when I receive kind testimonials from my Emerald Coast of Florida real estate clients.

“Wendy Rulnick and her firm Rulnick Realty never gives up. They are the best realty professionals that I have worked with in the Southeast United States. It was perfect and truly professional.”
Dan Curtis , Destin Florida

“Wendy and her staff did an exceptional job in getting my house sold short sale. Consistency, consistency, consistency is how I best describe Wendy.  She did not give up. On a personal level she supported me and calmed my fears and anxiety.

To be able to give this kind of service reflects that Wendy enjoys what she does and is committed in doing ALL within her professional capability to make her clients satisfied.  My recommendation is given freely and without hesitation to Wendy and her team to handle your real estate business”
Kay Cann, Navarre Florida

If you are looking for a real estate agent to represent you in a short sale, look for experience, confidence and tenacity.  A Destin, Navarre or Santa Rosa Beach short sale is a long, complex transaction.  Your real estate agent should never give up!

The post Destin Florida Short Sale Broker Never Gives Up first appeared on Rulnick Realty.

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 is an oasis with heated inground pool, spa and tropical landscaping. The living room has 20″ tile flooring and plant ledges for that extra decorating touch. Huge gourmet kitchen with granite countertops, backsplashes, center work island, stainless steel appliances, pantry, plant ledges, large pass-through to the living room and a breakfast nook. Incredible! The master bedroom opens to the pool. Master bathroom features a double vanity, grante countertops and shower and garden tub. There is a large laundry room that leads to the enormous three car garage. For an energy saver there are solar powered roof mounted attic fans. Extra large gate so you can store your boat inside the gate which leads to the added on driveway pad. This Navarre Florida home in The Meadows is close to most everything Hurlburt Field and Eglin Air Force Base, Whiting Field, Pensacola airport, I-10, Navarre Beach, etc!! This home is offered as a VA Compromise Sale, which is a type of short sale specific to Veterans Administration backed mortgage loans. 

9688 Misty Meadow Ln, The Meadows, Navarre Florida short sale – $299,900

It’s Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.

Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204

The post Navarre Florida Home with Pool – The Meadows first appeared on Rulnick Realty.

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 approved is not slight, but it might be worth it!   

What is the paperwork required for HAFA?

–Hardship Affidavit explaining your situation

–Request for Modification Affidavit (RMA)

-Utility bill (gas, water, electric, etc)

–Frank-Dodd Certification form acknowledging you have not been convicted of mortgage or real estate related crimes in the last ten years (including theft, fraud, larceny, forgery, money laundering, tax evasion)

-Your most recent tax returns with all schedules

-Last two paystubs or proof of other income, or if self-employed, last quarter or year-to-date profit and loss statement

-Copy of divorce decree

-Copy of death certificate if co-borrower is deceased

-Homeowners Association bill or statement showing dues

-Your most recent W2

-Power of attorney if applicable

Overwhelmed?  I’ll make it easy (or easier!) for you.  Call me for assistance with your Destin, Sandestin, Santa Rosa Beach, Crestview, Fort Walton Beach Florida HAFA short sale.

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 Real Estate

Destin Short Sales & Pre Foreclosure Help.

The post How to Apply for Destin Florida HAFA Short Sale first appeared on Rulnick Realty.

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 French doors to rear. Bonus sitting room or office off kitchen. Lovely covered tiled front entrance with columns. This Navarre short sale home has an oversized back yard with privacy fence. Holley by the Sea, in Navarre, Florida is a short drive to Hurlburt Field, and Navarre Beach.  Holley by the Sea has a recreation center with gym, 3 pools, 8 clay tennis courts, basketball courts, and handball courts.  Also offered are baseball, aerobics classes, campgrounds and private beach and pier.

6776 Perch Rd., Navarre Florida 32566 – short sale – offered for $143,900.

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

Navarre Florida Real Estate

Navarre Short Sales & Pre Foreclosure Help.

Read Wendy’s Navarre Real Estate Blog

The post 6776 Perch Rd., Holley by the Sea, Navarre Florida 32566 – Short Sale first appeared on Rulnick Realty.

#1 Peoples First – Florida’s Community Bank – Denies Short Sale Despite Cancer Diagnosis

#2 Eglin Federal Credit Union – will not do Short Sales

#3 Whitney Bank – will not do Short Sales, but releases lien and seeks deficiency

#4 Vanderbilt Mortgage – claims will not do Short Sales, but will look at a price pulled out of the air

#5 RBC Centura:  Taking Cars in Short Sales?

#6 Countrywide and PMI Short Sales

#7 Ocwen/LCS Won’t Budge

#8 Washington Mutual Won’t Waiver

#9 Bank of America – Issues 2 Contradictory Approval Letters

#10 Aurora Loan Services – Won’t Pay Closing Costs

The post "Top 10" Worst Short Sale Lenders Awards – 2008 first appeared on Rulnick Realty.