Jan Adams
Broker Associate
Luxury & Beach Realty
[email protected]

801 3rd Street South
St  Petersburg. Fl 33701


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."

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Jan Adams
Your Florida Gulf Coast Beach Realtor
That's the burning question everyone is asking. And the answer depends on whether you are buying, selling, investing or leasing. 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.

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I specialize in these areas:
Countryside / Safety Harbor
Feather Sound
Indian Rocks Beach
Madeira Beach
Northeast St. Petersburg
Pinellas Park
Pinellas County
Redington Beach
South Beaches
St. Pete Beach
St. Petersburg
Tierra Verde
Treasure Island

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 many 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. Many 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 it believes 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 homeowner, 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.



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Island Properties from $ 200,000
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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.

Since available properties, interest rates, and situations are constantly 
changing....bookmark this site now.  You will want to check it often.  
 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! 
Florida bargain beach & gulf coast short sale properties and bank owned foreclosed  properties. Florida gulf coast real estate investment property.
Attention Investors!
Pay federal taxes or invest that same money in real estate in a surging growth area, simple as that (tax shelter). 
If it sounds too good to be true it usually is….usually.
It seems we all know friends or relatives who have made big profits during this last real estate investment boom. Or we know someone who has slowly accumulated rental investment property that have others paying rent to cover mortgage and expenses and maybe even making a profit while the property appreciates. Although there are huge profits to be made in real estate investment the years like 2007 weed out those investors who do not have the expertise to know when to get in to real estate markets and most importantly, when to get out or even those markets to avoid period.

Is now the time to get back into Florida Real Estate before the migration of baby boomers retiring there? 
Real Estate Investment in Florida is booming if you know the right areas. It is very true that some areas have been oversold to investors and some areas continue to adjust downward in price due to inflated pricing. This small peninsula state has its population set to nearly double by 2030 (US Census), and smart Real Estate Investors are positioning themselves to get in before real estate inventories are depleted. The retiring baby boomers, the majority of whom plan to retire to Florida, have this Real Estate Investors Mecca buzzing about land values and potential appreciation as demand heavily outweighs supply. Real Estate Experts, and the U.S. Governments own housing website confirm that Florida Real Estate investors have made significant gains in Real Estate Investments in recent years with Investment Property. This booming market has made significant gains for all levels of Real Estate Investors and Property Investors. 
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