If you have questions specifically about your situation, we would be happy to sit down and talk with you about it, OR if you are outside of our marketplace, we can refer you to another expert in helping people facing these kinds of questions!

Facing foreclosure or a short sale are not fun things for any homeowner to face. Knowing that you cannot afford your home and that you face a long hard road to get out of this situation is scary. When you add your credit to the mix, it becomes terrifying!

According to John Lemos, Wells Fargo over at Trulia, a foreclosure will result in 36 months of interest rates that will make using credit a non option. Generally, lenders would refuse to deal with you financially for at least 36 months after you have incurred a foreclosure record. So that equates to 3 whole years of not being able to make any advancements on your credit history. This can be worrisome especially if you are planning to make any kind of new investment (homes, cars, college, etc.)

A short sale will allow you to purchase through FHA in only 3 years after dispensation. Unfortunately, BOTH a short sale and a foreclosure will ding your credit rating, a foreclosure to the tune of 200-300 points and will stay on your credit report for 3 years, which is true with some short sales, yet -here’s the good news - if all of your other payments are being made to other creditors during a short sale, your score can be lowered as little as 50 points and remain on your credit report for only 12 to 18 months.

Some Myths To Consider When Considering A Short Sale Versus A Foreclosure

• Myth – You cannot do a short sale on an investment property. This one IS a myth, we have found that if there is true need and the property owners work with us, we can even help in this situation.
• Myth – Any Realtor can help with a short sale. Make sure you have a CDPE trained Realtor as they can help make sure you are aware of things like deficiency judgements and can sometimes help you avoid them (this is a judgement against you for  the difference between the loan amount and the amount paid) and almost ALWAYS drastically reduce that possible judgement with a short sale.
• Myth – You should wait until you get a foreclosure notice to start researching a short sale. WOW, does this one make our job hard. If you cannot afford your payment, please call us or your lender IMMEDIATELY. Sticking your head in the sand will only make your options harder down the line.
• Myth – I can just send the keys back. If the value of the home has dropped and you owe more than your home is worth (like most of the homeowners we work with), the bank will not just “take the keys”. This is a myth and cause SERIOUS harm to your credit. With both a foreclosure and a short sale, there is an end date to your liability and a time to start rebuilding credit. You will have been proactive about working with courts or the bank to finalize a solution. With “the keys” approach, there is no end date and it can take banks YEARS to complete the process – PLUS you still might face a deficiency judgment. This one is a loser all around!

We are proud to represent people who are facing a tough situation, oftentimes through no fault of their own. Having worked in the market through the highs and lows, we know how values have fallen and how having bought at the wrong time can be causing trouble, even if you did everything else right!

If you have questions about your short sale options and how they can affect your credit, give us a call now for a free appointment with us and also a free  consultation with a foreclosure defense attorney.  We will go over YOUR situation. 727-366-0324

REMAX Elite Realty is not associated with the government, and our service is not approved by the government or your lender.  Even if you accept this offer and use our service, your lender may not agree to change your loan.
If you stop paying your mortgage, you could lose your home and damage your credit.

CDPE 34683, 34697, 34698

Wait right there! We need to talk about something that most civilians don’t think about…there are two sides to every real estate transaction!

• The sellers side – this part of the transaction requires marketing skills, market knowledge, pricing recommendations, negotiating and a plan to get your home sold that may or may not include: online listings, open houses, brokers open houses, contacting buyers agents and other offices with your listing, staging, pre-sale inspections and recommendations plus about a million other things we do to get your home sold!
• The buyers side – this part of the transaction require people skills, negotiating, talking with your buyer and figuring out what they really want from their new home, sifting through the myriad of options like town, location, home style, price, and how to find a home that “feels” like home! These skills are why you liked that agent so much in the open house!

If you are considering selling your Palm Harbor or Dunedin home, you HAVE to find an agent or team with SELLER SIDE skills. These are built over time and involve a lot different talents and expenses that overwhelming if they are only listing a house or two a year.

Consider an agent with multiple homes listed for sale. They have to have an admin person to track the places the home has been sent to on the internet, who has requested a showing (so you can call later if there is a price reduction), sending buyer feedback etc. Also, they have spent time building a website that ranks for keywords related to the real estate industry in their area AND growing social networks because Google changed the rules and now “friends” come up in the results too! Most listing agents have a marketing company or at least a marketing coordinator on staff.

Next is knowing the area. Did you know that a neighborhood in Dunedin has oil tanks in most of the yards? We do! We also know that the cost to get rid of them is about $1,000 BEFORE you are under contract and top $10,000 AFTER you are under contract. Seriously.

Listing agents are paid to know the ins and outs of different neighborhoods, condo complexes and gated communities. We also know how to market them to people who are looking for amenities that you may not even know exist at your home. Non deed restricted community with a huge side yard? Could be a place to keep your boat or RV!

A word about teams! Some Realtors (like us) have a team of people working for them which can cover BOTH the buyer side and seller side of the transaction (Matt handles the Buyers and Julia works with the Sellers). We also have a marketing company and admin people to support us with our listing and buyers.

Trying to sell your Palm Harbor or Dunedin home right now is not fun, but having professionals in your corner sure does make it a little easier to bear! If you would like to find out more about the difference between Listing agents and Buyers agents, give us a call today! 727-366-0324

You’re a homeowner and are behind on your mortgage. It happens to the best of us, but what can you do? You may be upside down on your mortgage and considering walking away from your home, or stressing out trying to figure out how to keep it. But there are ways to avoid foreclosure, a short sale being one of them. Short sales are best handled by a Realtor who is Certified Distressed Property Expert (“CPDE”) certified. They are trained to handle short sales and other foreclosure avoidance options and will work with you to get you through a stressful situation.

But why even worry about a short sale? It’s been said they are hard to get and can’t be accomplished before a foreclosure happens. Or worse yet, banks aren’t even approving them, so why bother? Besides, it would be an embarrassment having all my friends and family know that I owe more on my house than it’s worth!

The truth is banks and mortgagors don’t want to foreclose. It’s an expensive process and they are left holding a property they then need to sell to recoup their losses. Foreclosure is a process that takes time. If you qualify for a short sale, a bank would rather take a smaller loss on your payoff than pay the foreclosure costs and sale costs of the property.

As for embarrassment, it’s obvious that if your home is in this position, theirs might be too. In this economy many markets are suffering from devaluation of real estate. If your neighbors aren’t they might just have been lucky enough to have purchased before values soared. Either way you aren’t alone in this situation. Millions of Americans are in the same boat.

If you are looking for a great CDPE Certified Real Estate Agent in the Palm Harbor or Dunedin areas of FL, (zip codes 34683, 34697, 34698) give us a call today! 727.366.0325

By the way, the new post office is a bit more up to date ….. And yes, once in a blue moon you can find cute little cottages like this for sale (within blocks of multi-million dollar homes).

Ozona FL Homes for Sale

You may have found that searching for homes here online presents a challenge as some agents that aren’t locals still label these homes in the MLS with an incorrect Palm Harbor zip code – and in their defense – Ozona still is technically a part of Palm Harbor – so it’s a bit confusing unless one lives and breathes this part of town.

Questions about life in Ozona or a specific property?  Call or text us at 727-366-0325, submit a comment in the box below or e-mail us at Info@PinellasPeach.com.   And remember, no question is ever silly!   We’re here to help.

Search Ozona FL homes for sale here or below we’ve shared the latest couple of homes to hit the market.

Showing properties 1 - 1 of 1. See more Ozona Shores tract real estate.
(all data current as of 2/4/2012)

1. $399,000 : 320 Sunset Way, Palm Harbor
   
   3 beds, 2 full baths

   Home size: 2,124 sq ft

   Lot size: 12,240 sq ft

   Year built: 1964

   Parking spots: 2

   Days on market: 82

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Why Tampa Bay Real Estate Agents Are So Fussy – Part A

Beware that today even buyers with top credit scores and ample savings have to undergo a LOT of scrutiny to get a mortgage.  We often joke that it doesn’t matter if  you’re Donald Trump, you ARE going to have issues come up during underwriting, and so smart home buyers should get their ducks in a row before starting to look for homes – even online.  Trust us, even people with 780 credit scores routinely get last-minute questions and requests for documentation from underwriters.  In fact, more often than not, the better off your are financially the more complicated it can be.  Huh?!   Let’s make sense of it ….

Tampa Real estate agents and home Sellers are rightfully fussy about your loan pre-approval – and here’s why you should be, too.  Whether you’re just beginning your home hunt or perhaps just submitted an offer on a home with your pre-approval letter in hand, you might be getting what seems like a million questions from your agent or the seller’s agent about your choice of lender or pre-approval letter.  I’m rock solid financially, why don’t they just back off and stay out of my personal business, already?!?

Well, the reality is that many of these so-called approval letters aren’t worth the paper they are written on!

How in the world can that happen?  Can a mortgage broker or bank really issue a pre-approval letter and tell me everything’s great and it’s really a big fat lie?  Very easily.  In their haste to lock in a customer quickly, most lenders today still will tell you what you want to hear without obtaining the necessary documentation from you.  Either they don’t want to scare you off at first meeting by prying to much or don’t want to invest the time with you to collect it – often times before you’ve even found a house or professional Tampa Realtors® like us to assist in that process.

So, the actual letter itself gets issued, you feel good, but is essentially worthless at this stage of the game- whether it’s a “Pre-Qualification” letter OR a “Pre-Approval” Letter.   The key thing to know is that it’s the Pre-Approval letter you’re after, and if you didn’t have to submit ALL of your financial documents and sign a formal credit application in order to get that letter, then it’s not worth the paper it’s written on.  And here’s the clincher – you may have been quoted an interest rate and terms, but NO lender can truly quote rates and terms without pulling your tri-merged credit report, personally verifying your employment history and reviewing ALL of your supporting documentation to ensure you’ll truly qualify!

A savvy lender is going to know what underwriters are looking for and will take the time to review all of your documentation.  Then, they’ll invariably have MORE questions, and might need more documentation to back up the potential red flags the underwriter WILL find.

They’ll be scrutinizing ALL of your banking account deposits and withdrawls, your retirement accounts, your other assets including real estate, your 401K, your tax returns, your marital status and any recent changes, child support payments, credit card account statements, your debt to income ratio and your credit history, and a few other things possibly, too.

Is This a Fun Process?  No!  Yet it’s nothing to be scared of and at the end of the day you’ll be glad you faced it head on BEFORE home hunting.

Feel free to start your Tampa Bay home search here or give us a call at 727-366-0325 if we can assist or refer you to some terrific Tampa Bay lenders.  And stay tuned for Part B of “Why Tampa Bay Real Estate Agents are SO Fussy – Part 2″ where we’ll detail the differences a pre-qualification and a pre-approval and how to get a Pre-Approval that’s worth the paper it’s written on and save yourself a LOT of grief!

Mark’s Story:  A Typical Homeowner’s Search for an Agent

We recently received a call from Mark who had a Clearwater townhome for sale For Sale By Owner or “FSBO” for a few months.   He liked reading our testimonials from other happy clients and wanted to discuss listing his home  for sale with us.  He was frustrated and had talked to a couple of other agents before calling us.  They all said they could list his property in the MLS and help find him a buyer – yet – something about the other agents’ presentations did not feel right.  He felt like he was just another guy and his property would be just another listing in the MLS.  He didn’t feel like he would be given the special attention he deserved.

When we met with Mark, we asked him what was most important to him about the sale of his property.  Aside from getting a good feel about us as people, he wanted results and he needed them fast as his employer would be relocating him at the end of this year.   So, we listened to his needs, and shared how we could meet and exceed his expectations.

We then shared with Mark that THE KEY difference between hiring a regular ‘listing agent’ and hiring professionals like us is that we are MARKETING AGENTS who create strategic property marketing plans with the key purpose of getting extreme exposure while defending homeowner equity.    You see, we shared with Mark the truth behind what your standard ‘listing agent’ does:  They take a few pictures of your home, perform the data-entry into the Multiple Listing Service “MLS” online and then let their broker’s feed do the rest automatically without personally having to do much else.  (This automation is called ‘syndication’, and while it’s terrific, it’s by no means the end all when it comes to marketing.  And, don’t get me started, but there are quite a few companies in Tampa Bay that don’t even offer basic syndication, or certainly not extensively and internationally, too).

So, we shared our complete marketing strategy with Mark, the many things we personally do that are extra and beyond what REMAX International (the #1 brand in real estate) does.  And we clearly demonstrated how these tactics are the key extra tools that only Marketing Agents know how to implement – and take the time and expense to implement!   Mark decided having a Marketing Agent was important to him, took action and listed with us.

Tips for Finding a Marketing Agent

Few agents are full-blown Marketing Agents, and many aren’t even familiar with the term or what it entails, let alone what technology and other skills are required to be one.   We predict that someday the tactics of today’s new field of Marketing Agents will become mainstream, but we’re probably years away from that – and by which time the true Marketing Agents will be once again one step of the herd with technology and innovation.  We’ve learned from the brightest and the best out there across the country – so we’re the first to say that we didn’t invent the concept or the techniques we employ to sell homes, yet there aren’t many of us, and we know we have our own special recipe and twist on that just for Tampa Bay.  So please do your homework and find yourself an agent that’s a step ahead AND someone you’re comfortable with…

First, be sure to ask your agent what specific marketing he or she does that’s EXTRA, not just what their company does – and have them differentiate the two!  Ask them to show you examples of each.  If you get that ‘deer in the headlights’ look, run for cover!   While you’re at it, it’s important to ask for proof of how many homes they’ve sold this year, or even their overall ranking within Pinellas County or Tampa Bay.  Ask for references.  Yet, above all else, find yourself a Marketing Agent and not just a listing agent!

The Happy Ending to Mark’s Story .. In 11 Days

We got Mark’s home under contract in exactly eleven days, with all paperwork signed and delivered in twelve days!  Our marketing plan delivered two offers (having two offers almost always drives up one or both offers), and Mark is closing on the sale of his property just before Christmas.   He’s moving on to his new adventures worry-free and doesn’t have the stress of paying for two homes (plus property taxes and insurance) in two states at once.

Mark’s story has a wonderful ending – and if you follow these tips for interviewing agents about their marketing and results- yours can certainly have a happy ending, too.

As Pinellas Realtors, we know that happy endings are what it’s all about!

We are SUPER blessed to have such a great real estate business. We KNOW how tough it is out there and have watched as some old friends left the business and moved on to other things (they are missed and know who they are!). While there is tons of doom and gloom out there, I thought I would just let you know all of the things we think are worth appreciating in the real estate industry this time of year!

Palm Harbor Real Estate

We live and work in the MOST BEAUTIFUL part of the country. Seriously, part of my daily commute includes taking a peek at the intracoastal waterway with the Gulf of Mexico beyond. Oh and let’s not even get going about the birds, flora and fauna – Palm Harbor is TRULY a wonderful place to live and work.

Our Clients

Our clients are SECOND TO NONE! In today’s real estate market, clients DO become like family. We go through the ups and downs of selling or buying a house together, laughing at the absurdness of it all. If patience is a virtue, our clients are the most virtuous in the land and we are so blessed to have the chance to work with them!

The Palm Harbor Real Estate Market

Okay, I know this one seems a little strange based on what you are hearing in the news, but I PROMISE you there is good news out there!

We have helped a fair number of move up buyers get into homes they NEVER would have been able to afford in the hot, hot, hot market. While their homes DID drop in price, the ones they bought did too and they were able to get more than they ever thought possible.

We have also worked with short sale sellers whose stories were heartbreaking, BUT who wound up better off after we helped them get out from under a home they could no longer afford. Getting a thank you letter from one of these sellers is a true honor and makes all the hard work and training worth it!

First time homebuyers! Matt LOVES working with buyers (and refuses to let me buy him a GPS because men don’t need maps, but I digress….) and it is SO great to have homes to show first time homebuyers. In the height of the market, a starter home was close to TWO HUNDRED THOUSAND dollars – REALLY out of range for our teachers, young couples, police and firemen. Now we have options for them to buy their homes and really enjoy living here in the Florida dream.

So Happy Thanksgiving From The Pinellas Peach (and Matt!) – Let’s make 2012 just as fun as 2011 was and get some Palm Harbor real estate SOLD!

The Wall Street Journal had a great article the other day that detailed why home value sites are not spot on – How to Figure the Fuzzy Math of Internet Home Values.

Some of the bits that I thought were especially interesting included:

“But for figures that can carry such weight, critics say, the estimates can be far rougher than most people realize. Valuations that are 20% or even 50% higher or lower than a property’s eventual sale price are not uncommon, as the sites themselves acknowledge.”

I am no mathematician, but 50% higher or lower seems like a lot. That would mean that they valued a $300,000 house at just $200,000 or that they said a $600,000 house was worth as high as $900,000. WOW! So why is that a problem for you if you are considering selling your home and it says that it is worth MORE?

If you were selling your house in a vacuum and there were no other houses on the market, you MIGHT be able to eek out a higher price like that, BUT that is not the case. The people who come and see your house will look at other, higher priced houses and notice that yours is not in the same league. Barring that, eventually if you sell, an appraiser who is not just compiling data but who is a living, breathing, thinking person, will value the house at market value and the numbers won’t match. For us, it means that you have a value in your head of a MUCH higher price than your house can bear and even if we do our jobs perfectly, you will be disappointed by these inflated numbers.

And automated models aren’t designed to account for the unique construction details that often make or break a deal, or for intangible factors like a neighborhood’s gentrification.

This is a BIG one! While everyone likes to think they have a special house, few do. But those few DO NOT always have the proper home value estimate on their property. In Pinellas County, we have waterfront, waterview and a number of different water designations to properties. Some mean that there is a clear, open water view out the front windows and some mean that if you stand on your bed, looking west in the dead of winter, you can see a peek-a-boo view of the Gulf of Mexico for 7 minutes a day. BIG difference.

Then consider the example the article gave. These home value estimates may not take into account that your house is down-wind from a dump or that the airport is next door or that there are 7 neighbors who are all Hell’s Angels and who ride their bikes around the neighborhood at all hours. These are intangible factors that will affect how much you can list, and ultimately sell your house for. Realtors are good at knowing how to price houses so that they sell in a reasonable amount of time (it is what they do) – huge national websites have no local knowledge at all to help determine fair market value.

How This Effects Palm Harbor Home Values

So, do we think that Zestimates from Zillow or Trulia’s Palm Harbor home values are devil spawn. Nope, we just take them with a grain of salt. All of those sites allow us to post our listings and are a great tool for us to find buyers so we LOVE these guys!

If you are considering listing your home for sale and would like an official CMA (Comparative Market Analysis) to go with your online Palm Harbor home value estimates, give us a call today! 727-366-0324

Belleair Florida is located on the west coast of Florida close to Clearwater and some of the best beaches in Florida. It has a rich and diverse history and now is a great residential community of about 4,100 people.

Early on, Belleair was little more than an agricultural sister to Clearwater. But Belleair really hit the map when, in the 1890’s, the Belleview Hotel was opened by Henry B. Plant, a railroad magnate. The hotel included a railroad siding for private railroad cars owned by wealthy winter patrons. It was constructed on a peninsula west of Tampa Bay (in present day Pinellas County), and had top of the line amenities for the day, including yachting on Clearwater Bay, horseback riding in the piney woods south of the hotel; golfing, tennis, skeet shooting and bicycling. By World War I, the 9 hole golf course had become an 18 hole golf course, and in 1920 John McEntee Bowman, owner of the Biltmore hotel chain, purchased the property. It was renamed the Belleview Biltmore Hotel.

The snowbirds of the time started to realize that the area would be a great place to live year round and started constructing residences. In 1925 the Town of Belleair was incorporated and a town planner, John Nolen, was hired to lay out the streets that still exist today. After the stock market crash in 1929 caused a future 1930’s default by the town on improvement bonds, much of the town was abandoned.

During World War II, the historic Belleview Biltmore was used to house servicemen from MacDill Air Force base in Tampa.

After World War II, most of the land south of the Biltmore was purchased by the late E.W. Hallett. The area was cleaned up. In 1944 Georgine Shillard-Smith donated seven acres to create an arts center. In the 1950’s new construction started and the town was again growing, as it did again in the 1960’s. In the 1970’s U.S. Steel purchased the land in front of the Biltmore and the Island to it’s west where condos were constructed. At this time, the residents also set aside land for parks and paths.

Belleair FL Real Estate

Today, the town consists of residences, including single family, multi family and condominiums, three 18 hole golf courses and some commercial and business use buildings, including the original historic Biltmore Hotel. The charming downtown area includes “Antiques Row”, restaurants and boutiques. Our favorite condos are nestled along the intracoastal waterways in the gated Belleair Country Club complex and also along the Belleair Causeway on Harbor View.

Codified rules keep the community the wonderful place to live that it is (for example, we have to have to have REALLY short real estate signs in Belleair to follow town rules!) If you are considering moving to this charming berg and would like to find out more about Belleair FL Real Estate, give us a call or text today!

Belleair Real Estate Listings

Below are all of the Belleair Bluffs homes currently for sale.   For help with a search for homes in Belleair, Belleair Beach or Belleair Shore, give us a call or text us today!

727-366-0324

Showing properties 1 - 10 of 47. See more city of Belleair Bluffs real estate.
(all data current as of 2/4/2012)

1. $234,900 : 760 Cortez Ave, Belleair Bluffs
   
   3 beds, 2 full baths

   Home size: 1,720 sq ft

   Lot size: 10,000 sq ft

   Year built: 1968

   Parking spots: 2

   Days on market: 2
2. $65,900 : 215 Valencia Blvd # 209, Belleair Bluffs
   
   2 beds, 2 full baths

   Home size: 972 sq ft

   Lot size: 1.12 ac

   Year built: 1974

   Parking spots: 1

   Days on market: 10
3. $115,000 : 131 Bluff View Dr # 207, Belleair Bluffs
   
   2 beds, 2 full baths

   Home size: 1,300 sq ft

   Year built: 1971

   Parking spots: 1

   Days on market: 86
4. $98,000 : 131 Bluff View Dr # 104, Belleair Bluffs
   
   2 beds, 2 full baths

   Home size: 1,300 sq ft

   Lot size: 1.03 ac

   Year built: 1971

   Parking spots: 1

   Days on market: 4
5. $364,900 : 2867 Del Rio Dr, Belleair Bluffs
   
   4 beds, 3 full baths

   Home size: 2,315 sq ft

   Lot size: 16,422 sq ft

   Year built: 1967

   Parking spots: 2

   Days on market: 188
6. $79,900 : 55 Harbor View Lane # 101, Belleair Bluffs
   
   2 beds, 2 full baths

   Home size: 1,162 sq ft

   Year built: 1963

   Days on market: 76
7. $249,900 : 100 Bluff View Dr # 510a, Belleair Bluffs
   
   2 beds, 2 full baths

   Home size: 1,630 sq ft

   Year built: 1970

   Parking spots: 1

   Days on market: 17
8. $305,000 : 100 Bluff View Dr # 501c, Belleair Bluffs
   
   2 beds, 2 full, 1 part baths

   Home size: 1,900 sq ft

   Year built: 1973

   Parking spots: 1

   Days on market: 135
9. $57,800 : 2525 West Bay Dr # D11, Belleair Bluffs
   
   2 beds, 1 full bath

   Home size: 845 sq ft

   Year built: 1974

   Days on market: 12
10. $70,000 : 155 Bluff View Dr # 103, Belleair Bluffs
    
    1 bed, 1 full, 1 part baths

    Home size: 953 sq ft

    Year built: 1968

    Parking spots: 1

    Days on market: 13

Listing information deemed reliable but not guaranteed. Read full disclaimer.

As they say, the first step to fixing a problem is admitting there is one. Here are five crucial tips to start facing your financial situation so you can start finding a solution that works for you and your family.

• Accept that you’re having problems. – This sounds simple but in reality, most people who find themselves deep in debt make the mistake of turning a blind eye on their financial troubles. If you are failing to meet your payment obligations, make a note of what you can or cannot pay and then take an honest look and see if you can still afford your home. Falling residential prices have caused a lot of owners to become “upside down”, meaning that they owe more than their home is worth.
• Get help BEFORE you miss a payment. Many programs designed to help homeowners are predicated on the borrower making on time payments. Even one missed payment can make a difference so make sure to let your creditors know BEFORE you are delinquent.
• Know your rights. – Don’t let panic take control of you once you realize that you have a problem. Aside from learning about different financing methods which you can use, you should also know what your rights are prior to foreclosure. Check out laws enforced within the Palm Harbor area when it comes to property-related concerns.
• Create a budget plan. – You can curb your debt or even avoid it altogether if you spend wisely. This you can only do if you have a plan for your monthly budget. How much do you earn? What are the bills you ought to pay monthly? How much do you spend for household expenses and other things you do within Palm Harbor? Do you have a tendency to splurge on personal unnecessary expenses? These are the things you should take note of.
• Consult your lender. – Once you have figured out that you are having some financial difficulties, consult your lender at once. You can avoid facing a Palm Harbor foreclosure based on their advice. Lay out your issues to them and give them some background of your current home payments.
• Consider a short sale. – This technique can help you avoid a foreclosure but it can be quite tricky. This is why you would need some professional help from a CDPE Realtor, should you plan to take this one. A short sale involves immediately selling your property for less than what you owe on your home. Find a professional Palm Harbor Realtor who can help facilitate this process for you.