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 to living room, wood floors, cathedral ceiling and French doors. Grove by the Sea offers a community pool, playground and lush nature areas.

326 Cullman Ave,. Santa Rosa Beach FL short sale home – offered at $345,000

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 326 Cullman Ave., Grove by the Sea, Santa Rosa Beach FL – Short Sale first appeared on Rulnick Realty.

                                                                                                                                                          

 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 last two years of misery and now we can get back on track and move on with our lives.”

Reading that gave me butterflies.  But the problem is- why would no other agent help this family with a short sale?  Their home was in a remote location, and at the time, they were current on their mortgage payments.  The husband’s job transfer was 50 miles away, and they were just making ends meet. Their short sale lender was Bank of America.  When I agreed to list their Destin home, they were very relieved.  We sold it as an FHA/HUD pre-foreclosure short sale.  There was a lot of paperwork involved, more so than the normal short sale, but we succeeded.

Just last week, a Santa Rosa Beach Florida short sale seller called me.  They, too, had agents reject helping them, because they had two liens on their home, Bank of America and Regions Mortgage. Apparently, the other agents thought two mortgages were too hard to get approved. One real estate agent who agreed to help them said they had to sign papers allowing an investor-type flip before even listing.  They felt very uncomfortable.  Coincidentally, one of my previous Freeport Florida short sale sellers was renting their home, and recommended me to them.  I fully anticipate getting their Santa Rosa Beach short sale approved.

There are other stories about sellers who are facing foreclosure, where no agent wanted to help.  They might say there are too many liens, the property is too close to foreclosure, or the mortgage is too upside down. 

If you are facing foreclosure on the Emerald Coast of Florida, don’t give up.  If you hear “no”, that your case is too hard for a short sale, don’t give up.  Even if you had a Lis Pendens filed, don’t give up. There is help available for you. Just ask.  

It’s Wendy!

Wendy Rulnick, Broker

Destin Short Sales & Pre Foreclosure Help.

The post If No Real Estate Agent Will Help You Short Sale, Don’t Give Up! first appeared on Rulnick Realty.

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

Sale Price:  about $375,000

Terms:  Regions forgave about $350,000, but added $75,000 deficiency balance to another Regions-mortgaged property owned by the same seller.  Bank of America settled for $9000, most of it paid from the proceeds of the sale. 

If you are considering short sale to avoid foreclosure, hire an experienced Santa Rosa Beach 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

Santa Rosa Beach FL Real Estate

The post Lakeside at Blue Mountain Beach, Santa Rosa Beach FL – Regions Short Sale first appeared on Rulnick Realty.

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-

Approval Time:  15 days! 

Keys to Approval:  Strong contract at fair market value, no extraneous closing costs, complete short sale package prepared.  Diligent follow up by listing agent with Saxon.

If you need to avoid foreclosure, and do a Santa Rosa Beach short sale, consider hiring an experienced Santa Rosa Beach 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 Saxon Approves Driftwood Estates, Santa Rosa Beach FL Short Sale in 15 Days! first appeared on Rulnick Realty.

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 dining room, and a separate formal living room and or office space. The great room and master suite have gas fireplaces, both rooms with access to the screened lanai and a 38’x16′ pool -50 yr. transferable warranty and equipment. The kitchen …the one dreamed of offers tile counter tops, beautiful wood cabinets with matching furniture design refrigerator and columns to define the breakfast bar. An additional dining area looks out to your private pool. The master bath features a separate walk-in tile shower with glass block, a whirlpool tub with waterfall faucet, his and her closets, and double vanities. This elite and nicely landscaped community has a day dock for your boat, fishing or watching sunsets over the water. There is a community pool and several nature trails through the state forest. This home offers lots of privacy as it is across the street from the bayou and is backed by the state forest. Close to Sacred Heart hospital and many fine restaurants in Santa Rosa Beach, Sandestin and Destin FL.  Short sale.

List price $469,900

Wendy Rulnick specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Crestview, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field.   Wendy Rulnick, Broker and Realtor, has been selling real estate for 20 years.  She has won numerous awards, including the coveted ADDY for advertising design. An expert marketer of real estate listings, she negotiates successfully to her clients’ advantage. She is supported by a team of top buyer specialists. She lists and sells homes, condos and townhomes.

The post 407 Botany Blvd, Botany Bayou, Santa Rosa Beach FL first appeared on Rulnick Realty.