Jan Adams-Wilson
Florida Short Sale Professional & Real Estate Specialist
We Have It All! Since the recession is nearing it's end, prices are the lowest they have been in years! If you are looking for a Florida beach property - you've come to the right place. Let me show you the advantages of buying OR selling now
Some changes have been approved to the $8000 first- time home buyer tax credit. The credit, created earlier this year as part of the economic recovery stimulus package, has had a visible impact on the housing markets.
As a result, the extended first-time home buyer tax credit now requires that a home be under contract by April 30, 2010, and close by June 30, 2010.
HOW DOES IT WORK?
ANYONE WHO HAS NOT OWNED A PRIMARY HOME IN THE PAST 3 YEARS CAN QUALIFY TO BE A 1ST TIME HOMEOWNER!
WHAT IS A REAL ESTATE "SHORT SALE" AND HOW CAN IT BENEFIT ME?
More money in your pocket!
No doubt about it, we all want to save money. Whether you are looking for a bargain on a pre-foreclosure house or ...if you are a homeowner facing foreclosure - this site is for you.
Don't be misled.....Not just any real estate agent can do for you what a short sale professional can. A short sale professional has received specialized training in negotiating with mortgage companies and banks. In today's economy it only makes sense to take the path that will benefit you the most. That means, as a seller, not having your credit ruined by a foreclosure. It also means, as a buyer, not paying more than you need to for a property you've always dreamed of having. Call Jan now and see how she can help you. 1.727.418.1861 or
Since available properties, interest rates, and situations are constantly
changing....bookmark this site now. You will want to check it often.
WHAT ARE BANK OWNED PROPERTIES?
With a bank owned property, there's no waiting. Unlike a short sale, the bank has already repossessed the home and is ready to sell! As a buyer, you can close within 30 days!
REO properties are great for first time homebuyers. If you haven't owned a home in the last three years, you can get an $8,000 tax credit if you close before December 1 of this year. That's $8,000 in your pocket! And, if you qualify for an FHA loan, your down payment is only 3.5%. This is your best opportunity to get into a home instead of paying rent!"
Jan Adams-Wilson
Broker Associate - Realtor
1.727.418.1861
Jan's many years experience in sales, management, marketing and advertising prepared her to be a real estate broker associate and short sale specialist. She has in-depth knowledge of the island market allowing her to successfully list and sell beach properties. Jan has owned several businesses and managed a number of others. Combining Jan's background of sales and her attention to customer service, she truly wants to help all of her customers "live the Florida dream."
Call Jan at 1.727.418.1861
I serve many areas:
Belleair
Brandon
Clearwater
Countryside / Safety Harbor
Dade City
Dunedin
Feather Sound
Gulfport
Holiday
Hudson
Indian Rocks Beach
Land O' Lakes
Largo
Lutz
Madeira Beach
New Port Richey
North Beaches
Northeast St. Petersburg
Odessa
Oldsmar
Palm Harbor / East Lake
Pasadena
Pinellas Park
Pinellas County
Port Richey
Redington Beach
Seminole
South Beaches
Spring Hill
St. Pete Beach
St. Petersburg
Tampa
Tarpon Area
Tierra Verde
Treasure Island
Trinity
Wesley Chapel
Zephyrhills
Our Mission Statement
Raise the standards of real estate service to lead our industry and serve our community with a commitment to integrity and excellence.
Commitment to Our Clients
To provide the highest level of 'PLUS ONE´ service through teamwork, systems and technology.
To recommend and work with an elite group of preferred partners to ensure ratified contract to settlement
Located at 101 150th Avenue in Madeira Beach, FL Doiron & Associates, Inc. has been serving the beach community since 1978. In April 2006, the Doiron office became the Madeira Beach office of Weichert, Realtors® - Sun Sand & Sea Homes. We are dedicated to providing the highest level of services to our customers. Bringing together the Weichert network with the specific strengths and talents of each member of Your Beach Team enables us to provide you with more service and better results. Our commitment to the highest standards of integrity and professionalism coupled with our team concept sets us apart. Don´t let individual limitations of available resources like time, energy or money keep you from achieving your goals. At Weichert, Realtors® - Sun Sand & Sea Homes, we pool our resources to benefit our customers. Select a winning team, choose Your Beach Team.
ATTENTION BUYERS AND INVESTORS!
With a bank owned property, there's no waiting. Unlike a short sale, the bank has already repossessed the home and is ready to sell! You can close within 30 days!
Bank foreclosures are also known as REO’s, which is an abbreviation for Real Estate Owned by lender. Bank owned foreclosures are properties that have been returned to the lender due to non-payment of a mortgage. Currently all lending institutions have numerous bank foreclosures for sale that they want to sell well below market price. They need to sell these properties and the cost of holding and maintaining these properties is high.
In real estate, a short sale is a sale of real estate in which the proceeds from the sale fall short of the balance owed on a loan secured by the property sold.
In a short sale, the bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank's loss mitigation or workout department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale. Many Short Sales leave a deficiency balance for which the Mortgagor / Borrower is still liable. In 99% of all cases it is not a settlement-in-full. A deficiency balance will remain as a potential liability for the Mortgagor / Borrower. The bank's opportunity of pursuit of a deficiency judgment will vary from state to state
Extenuating circumstances influence whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market and the borrower's financial situation. An important thing to know about a short sale is that it has to be handled by a real professional who knows how to work these deals. Most REALTORS® don't handle short sales.
A short sale typically is executed to prevent a home foreclosure, but the decision to proceed with a short sale is predicated on the most economic way for the bank to recover the amount owed on the property. Often a bank will allow a short sale if they believe that it will result in a smaller financial loss than foreclosing as there are carrying costs that are associated with a foreclosure. A bank will typically determine the amount of equity (or lack of), by determining the probable selling price from a Broker Price Opinion BPO or through a valuation of an appraisal. For the home owner, advantages include avoidance of a foreclosure on their credit history and partial control of the monetary deficiency. A short sale is typically faster and less expensive than a foreclosure. In short, a short sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount. It does not extinguish the remaining balance unless settlement is clearly indicated on the acceptance of offer.
Short sales are common in standard business transactions in recognition that creditors are not doing debtors a favor but, rather, engaging in a business transaction when extending credit. When it makes no business sense or is economically not feasible to retain an asset, businesses default on their loans (called bonds). It is not uncommon for business bonds to trade on the after-market for a small fraction of their face value in realization of the likelihood of these future defaults.
I CAN HELP YOU SELL OR FIND A BARGAIN - GUARANTEED !
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Bargain Florida beach & gulf coast short sale properties & bank owned foreclosed properties. Florida gulf coast real estate investment property
1.727.418.1861 Help with short sales
Need to do a SHORT SALE? Facing Foreclosure?
I can help
The Pinellas County, St. Petersburg, Clearwater, Palm Harbor or any other city in Pinellas County Short Sale Solution:
I understand that this is a sensitive time for you and I am compassionate to your needs and will try to make this process as easy and painless as possible from this point forward. I am Trustworthy, ethical professional..
When a lender or mortgage holder agrees to do a short sale, it means the lender or mortgage holder is accepting less than what is owed on the mortgage.
A short sale means the seller's lender is accepting a discounted payoff to release an existing mortgage instead of foreclosing.
Sell Your Home in the St. Petersburg, Clearwater, Palm Harbor or any other city. Avoid Foreclosure on Your Home or Condominium with a Short Sale.
Call 1.727.418.1861 Bargain Florida beach & gulf coast short sale properties & bank owned foreclosed properties.Florida gulf coast real estate investment property Help with short sales
Examples of properties for sale
WOW!
No high pressure sales - just talk
Property in Clearwater, Gulf Port, Indian Rocks, St Pete Beach, Palm Harbor, Pinellas county, Pasadena, Port Richey, Redington Beach, Seminole,St Petersburg, Tampa,Tierra Verde & Treasure Island
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