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 ready for sale. Some of these included pressure washing and removing extra items from the home, like furniture pieces, that would have to be packed and shipped anyway.  This made the home show off its bones and let a new buyer imagine the possibilities.

This Swift Creek home is now in the short sale process with Bank of America.  It is pre-approved for the HAFA program, which is the Home Affordable Foreclosure Alternatives program. That is offered through mortgage servicers with suggested guidelines from the U.S. Treasure Department. Some of the benefits of a HAFA short sale are that you will get a waiver of deficiency and may also get a cash incentive at closing. HAFA is available if your lender participates and you meet the following qualifications, from the HAFA website:

• You have a documented financial hardship.
• You have not purchased a new house within the last 12 months.
• Your first mortgage is less than $729,750.
• You obtained your mortgage on or before January 1, 2009.
• You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering or tax evasion in connection with a mortgage or real estate transaction.

If you are considering a short sale for your Swift Creek, Niceville Florida home,contact me to explore your options.

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

Niceville Florida Short Sale Help

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, 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 Swift Creek Home Under Contract – 1306 Limestone Creek Cv. first appeared on Rulnick Realty.

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 together. The kitchen has granite counters with large breakfast bar and stainless steel appliances. The master bath features a separate shower, soaking tub and large vanity space. Enjoy his and hers closets. The heated and cooled Florida room is a great place for relaxing with the double set of French doors that lead out to the new enormous TREX deck. This pergola covered deck is oversized and perfect for BBQ’s and parties. This home is built with concrete block construction and steel frame interior making it green before it was popular. This feature provides year round comfort in the home and in your wallet with reduced electric bills. . Quiet wooded lots, huge swimming pool and recreation areas including walking trails and fishing pond. Easy access to all 3 bases… HURLBURT, EGLIN & DUKE. Short drive to beaches and recreation areas…

One lienholder lender, Bank of America will make this short sale easy to process.

1306 Limestone Cv., Swift Creek, Niceville Florida – offered for $399,900

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

Read Niceville Short Sale Success Stories

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, military PCS, HAFA, Bank of America Coop program and more.

The post 1306 Limestone Creek Cv., Swift Creek, Niceville Florida Short Sale first appeared on Rulnick Realty.

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 it is within 15 minutes to the Destin beaches and shopping, as well as a short commute to Eglin Air Force Base. Bluewater Bay offers gorgeous landscaped streets and amenities such as pools, tennis, marina, restaurants and golf.  This short sale listing in Parkwood Estates has Green Tree as its mortgage servicer.

Green Tree is taking over the servicing of many Bank of America mortgages, so you will be hearing more about them. My next post about this home at 1616 Myrtlewood will be about its short sale approval and impending closing.

If you need to sell your Parkwood Estates or Bluewater Bay home contact a Bluewater Bay short sale specialist.  I’m ready to help!

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 1616 Myrtlewood La, Parkwood, Bluewater Bay Florida – On Way to Sold first appeared on Rulnick Realty.

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: $20,000

Short Sale Approval Time: 3 weeks

Deficiency Judgment: Waived

Seller Contribution: None

My suggestion to anyone who needs mortgage assistance with BB&T in the Niceville Florida area is to contact them as soon as you have a problem. BB&T is one of the short sale lenders who will assign a specialist to you in advance, and give you financial paperwork to get the ball rolling.  Their process is much quicker than other lenders, for example, Bank of America, Wells Fargo, Citi and Chase. After the seller hired me, I sent my authorization to the contact he already had. We communicated by email. The lot went under contract in about a week.  I forwarded the contract, HUD, last year of bank statements (an unusual short sale request) to BB&T.  It was approved in lightning speed!

If you have a Niceville Florida property to sell as short sale, be sure to contact a Niceville short sale agent who can guide you through the process.

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

Niceville FLorida Short Sale help

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, HAPmilitary 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 BB&T Approves Villa Tasso, Niceville FL Short Sale in 2 Weeks first appeared on Rulnick Realty.

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 in Niceville was an investment property. Often, a short sale seller will be asked to “contribute” to participate in the loss when that is the case.  The seller agreed to contribute about $1200, which was negotiated down from Wells Fargo’s initial request.  The seller received a full waiver of deficiency, meaning, Wells Fargo and the investor on the loan would cancel the rest of the debt, and not seek to collect the balance.

If you need to short sale to avoid foreclosure, contact an experienced Niceville short sale agent.

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 The Oaks Niceville Florida Short Sale Approved first appeared on Rulnick Realty.

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 to the large fenced yard. New roof installed November 2010.  The Creekside neighborhood in Niceville is a few minutes away from Eglin Air Force Base or Duke Field.  Destin beach are about a twenty-five minutes drive.  There is one lienholder on this property, Bank of America.

Learn how to buy a Niceville short sale.

552 Woodlow Rd, Niceville, FL 32578 – Creekside short sale – $122,900

 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

Niceville Short Sales & Pre Foreclosure Help.

The post 552 Woodlow Rd, Niceville, FL 32578 – Creekside short sale first appeared on Rulnick Realty.

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 and bathrooms. You’ll find plenty of room in the dining room and the bright kitchen.  For relaxing, take a plunge in the community pool, or medidate in  the gazebo. Built in 2002, The Oaks short sale condo is about 1000 square feet, with two bedrooms and two full baths.

The Oaks, 1501 Partin Dr., #233, Niceville FL 32578 – offered for $108,900

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

Niceviille FL Short Sales & Pre Foreclosure Help.

The post The Oaks, 1501 Partin Dr., #233, Niceville FL 32578 – Short Sale Condo first appeared on Rulnick Realty.

If you need to sell your Bluewater Bay property as a short sale, consider hiring an experienced Niceville short sale agent.

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.

Read Wendy’s Destin Real Estate Blog

The post Just Sold, Lot 5 Capri Cove, Lido Village, Bluewater Bay, Niceville Florida – Short Sale first appeared on Rulnick Realty.