Joe Knows Cape Coral in Southwest Florida!

Today many people find themselves asking this question. Should I continue to pay for a home that is worth about have the value I payed for it, or should I just walk away? Many people can no longer afford paying their mortgage and their mortgage company is unwilling to refinance to something reasonable for the home owner to afford ?

Fort Myers and Cape Coral Florida Foreclosure Help and Education is nearly a phone call away. I help people understand the Bank Short Sale Process, the process of avoiding foreclosure and the harmful effects on your personal credit history for years to come, if you just do nothing and walk away.

I have successfully closed several bank short sales in Fort Myers and Cape Coral Florida . My loss mitigation services are free to you the home owner as my fees are payed by your mortgage company. Many banks these days prefer to sell your home a bank short sale and avoid costly attorney fees and Cort costs to foreclosure on your home.

Here is a note from you of my clients as I sold their condo in Fort Myers and saved them from foreclosure !

As a Bank Short Sale Short Sale Expert, I have Authored many postings online about bank short sales . You can read them by clicking here

Please call or email me and allow me to talk to you

and awnser your questions about a bank short sale.

I lookk forward to talking with you.

Best regards

Joe Kendall, Realtor Sandals Realty
Waterfront & Foreclosure Specialist
Phone 239-560-0726 Fax 239-236-0422
Discover Southwest Florida www.ViewSwFlorida.com
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

Bank Short Sale expert in Cape Coral, Fort Myers Florida. Having a successful bank short sale starts with hiring an Agent with Short Sale Experience puts you the home owner in the bset position to avoid foreclosure. A Realtor Specializing in Foreclosures in this real estate market, give's you best chance to sell your home thru the Loss mitigation process. 

A Realtor with experience in short sales will help to expedite your transaction, you don't want to miss any important detail due to inexperience Realtor to find out your transaction is not going to close  because no one has followed up in a timely manner and asked the right questions to the bank.

 Finding a good local real estate agent / broker is essential to enjoying a painless real estate transaction. The best agent for you doesn't necessarily work at the largest brokerage, close the most transactions orhas the largest sales team. Ask this question? Who is going to end up working on your home? The new agent on the team? I spend marketing my listings to buyers across the country, not going after listing after listing with the hope that someone else is going to sell it.

I will listen to you, and your concerns and advise you all the way to the closing your never lone! My experience in knowing how to work with the bank processes to get your current home off your back. Not all short sales are effective, their are lots of details that go in to each one and every property, every seller situation is different.

There is no quick answer solutions to your current mortgage situation, just market it well, have an experienced agent handling your loss mitigation with your lender and your chances of getting the current mortgage off your back is greatly improved!

I have successfully closed bank short sales, I look forward to talking to you.

Joe Kendall, Realtor with Sandals Realty

phone 239 -560-0726 email joek4realestate@aol.com

   * FREE Bank Short Sale advice Southwest Florida. I have succeefully closed several bank short sales !

Joe Kendall, Realtor with Sandals Realty a Waterfront , Foreclosure and Bank Short Sale Specialist writes, I do a lot of marketing for helping people avoid foreclosure by offering to help them sell their home as a bank short sale. Doing so I am sure you can image, I get all kinds of phone calls everyday from people needing to discuss their situation regarding their home, asking ways to change or get out from their mortgage payment.

The current real estate market here in southwest Florida has seen records of foreclosures and we have lead the Country a couple months this year in foreclosures, as they are filed here in Lee County Florida.  I get a lot of questions and listen to statements from people owning homes here in southwest Florida. Here are a few examples of calls I received over the last few weeks. 

(1) I have tried talking to my Lender, but they are saying there is nothing they will do,    other then ask me when will I be making my next mortgage payment? Whats next for me?

(2) I have an adjustable rate mortgage and it went up to where I can no longer afford the payments? What can I do to get them to change it?

(3) I owe more then $150,000 more the what the house is worth. What can I do to get the mortgage company to change it so I can afford to keep my home?    

(4) I want my mortgage company to give me loan modification and they told me know they can not do this? Why?

Over 80% of the home owners trying to do a Loan Modification end up avoiding a Foreclosure by the Short Sale. Because of their current mortgage holder unwillingness to work out a reasonable deal for the home owner. Check out more information here

 I listen to everyone concerns and questions, I always offer up different options or suggestions before you make a decision on letting your home go into foreclosure. I help people avoid foreclosure by helping them with a bank approved short sale. I can not speak for the mortgage companies, But I can offer suggestions on where to go from here in your current situation.

 Do you have a home here in southwest Florida and need to avoid foreclosure? Please give me a call, I am a good listener and I will try to help you if I can. You may be able to avoid Foreclosure and help you sell your home as a Short Sale.

I have closed bank short sales with Bank of America, Countrywide, Citi Bank, Wellsfargo , Chase Bank , and more.

I do not charge anything for this service, the Bank will pay my commission or I don't get paid.  Now is the time to try! It's better to do it now then wait! Lets talk and let me help you spell out your options.

It's Not About Me, It's all About You!

Best regards

Joe Kendall, Realtor Sandals Realty
Phone 239-560-0726 Fax 239-236-0422
Discover SwFlorida.com www.ViewSwFlorida.com
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

Cape Coral Florida Bank Short Sale Help. Free foreclosure advice and we do not charge anything for our services ! We have successfully closed several bank short sales with many of the leading lenders such as Countrywide, Wellsfargo, Chase Bank , JpMorgan , Bank of America and Citi Bank .

If you are thinking about trying to advoid foreclosure? Are you finding your bank is not being reasonable in working with you on restructuring your mortgage? well your not alone. I have written several blogs post about marketing, negotiating and selling bank short sales. Call me today and lets talk. Let me see if I can help you too! What do you have to loose the bank pays my fee and you can avoid foreclosure on your credit report for years to come.

I look forward to talking to you.

Best regards

Joe Kendall, Realtor Sandals Realty
Waterfront & Foreclosure Specialist
Phone 239-560-0726 Fax 239-236-0422
Discover Southwest Florida www.ViewSwFlorida.com
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

Bank Short Sale Help Cape Coral, Fort Myers, Sanibel Island Florida. I have successfully closed bank short sales with Countrywide, Chase Bank, Wellsfargo, Citti Bank and Bank of Anerica The Foreclosure process can be avoided by working with your current mortgage holder and asking about your options? If they are unwilling to work a reasonable option for you can can avoid foreclosure by doing a Bank Short Sale. I have successfully closed several Bank Short Sales in Fort Myers & Cape Coral

I would suggest you talk to your Tax Account, a real estate Attorney and a Realtor that is experienced in closing bank short sales.  When you have decided that a bank short sale is the direction you would like to take to avoid foreclosure and having this on your personalized credit report for several years.

You should contact your lender and suggest to them that you would like to do a Bank Short Sale to avoid foreclosure.

You should request from your lender a Bank Short Sale Package from your lender. These days many of the banks have this information you can download from their web site or they can email or fax your the guidelines of their requirements.

  The Lender will advise you to get your home listed with a Realtor, price it where  the current market value for the home and bring them an offer. I suggest to you that you use a Realtor that is experienced in doing Bank Short Sales.  I work with several title Companies that provide the services I need to get the short sales accepted and closed!

The companies provide me with a pre-title work and a HUD-1 statement to present to the Lender . These are very important in the process of getting a Bank short sale, foreclosure Property or even a bank owned property to the closing table. In real easy to understand terms, the title search provides a list of any liens on the property, the Hud-1 statement provides the lender with all the fees involved in closing the transaction. I do not charge any fees to the seller for my loss mitigation services my fees are all payed by the sellers bank at closing.

Foreclosure can be avoided by doing a Bank Approved Short Sale. It is costly for banks to foreclose on your home. They do not want to own your home. You have options, allow me to explain the complete process to you today! You should do everything in your power to avoid Foreclosure.

I look forward to working with you.

Joe Kendall, Realtor Sandals Realty
Waterfront, Foreclosure, Bank Short Sale Specialist
Phone 239-560-0726 Fax 239-236-0422
Discover Southwest Florida www.ViewSwFlorida.com
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

                        Countrywide Home Loans said Yes! to the Bank Approved Short Sale ! Sold by Joe !

Cape Coral Florida, loss mitigation help in avoiding foreclosure ! Are you thinking about trying to Avoid Foreclosure? When you have tried to work with your current mortgage lender on reducing your mortgage payment and you just are getting no where? The next suggestion would be to try and avoid foreclosure by working with a Realtor and avoiding foreclosure by selling your home as a bank short sale with a Realtor that has bank Short Sale Experience! 

Working with a  Realtor Specializing in Foreclosures in this real estate market gives you best chance to sell your home through the Loss mitigation/bank short sale process. 

 I have experience in Closings Bank Short Sales will help to expedite your transaction and assist you in  avoiding foreclosure. I have closed Bank short sales with Welsfargo, Countrywide, Bank of America, Citi Bank, JP Morgan and several more.

  Closing a bank short sale  is when you restart rebuilding your credit for the future and avoiding foreclosure on your credit report for years to come! I am an experienced professional who will listen to you concerns and explain the bank short sale process in easy terms you can understand helping you make a sound decision about your future.

Please allow me to discuss your situation with you, You may still have time to avoid foreclosure!

I look forward to talking with you!

Best regards

Joe Kendall, Realtor with Sandals Realty, Waterfront & Foreclosure Specialist 

Direct Line 239-560-0726 Email Joek4realestate@aol.com  or website www.viewswflorida.com

 Joe Kendall, Realtor with Sandals Realty Fort Myers Florida, Bank Short Sale Specialist.  The Foreclosure process can be avoided by working with your current mortgage holder and asking about your options? If they are unwilling to work a reasonable option for you can can avoid foreclosure by doing a Bank Short Sale. I have closed several Bank Short Sales in Fort Myers & Cape Coral

I would suggest you talk to your Tax Account, a real estate Attorney and a Realtor that is experienced in closing bank short sales.  When you have decided that a bank short sale is the direction you would like to take to avoid foreclosure and having this on your personalized credit report for several years.

You should contact your lender and suggest to them that you would like to do a Bank Short Sale to avoid foreclosure.

You should request from your lender a Bank Short Sale Package from your lender. These days many of the banks have this information you can download from their web site or they can email or fax your the guidelines of their requirements.

  The Lender will advise you to get your home listed with a Realtor, price it where  the current market value for the home and bring them an offer. I suggest to you that you use a Realtor that is experienced in doing Bank Short Sales.  I work with several title Companies that provide the services I need to get the short sales accepted and closed!

The companies provide me with a pre-title work and a HUD-1 statement to present to the Lender . These are very important in the process of getting a Bank short sale, foreclosure Property or even a bank owned property to the closing table. In real easy to understand terms, the title search provides a list of any liens on the property, the Hud-1 statement provides the lender with all the fees involved in closing the transaction. I do not charge any fees to the seller for my loss mitigation services my fees are all payed by the sellers bank at closing.

Foreclosure can be avoided by doing a Bank Approved Short Sale. It is costly for banks to foreclose on your home. They do not want to own your home. You have options, allow me to explain the complete process to you today! You should do everything in your power to avoid Foreclosure.

I look forward to working with you.

Joe Kendall, Realtor with Sandals Realty.

 Sold Lender Countrywide         Sold Lender Chase Bank         Pending Lender Citi Bank

Joe Kendall Realtor with Sandals Realty a Waterfront, Foreclosures and Bank short Sale Specialist writes, I have successfully closed bank short sales!

I can help you avoid foreclosure by helping you list , sell and negotiate with your lender to assist you from falling into foreclosure. I have experienced closing bank short sales and negotiating with Countrywide Home loans, Bank of America, Citi Bank, Jp Morgan, Chase bank, Wellsfargo and a few others

You do not have to fall into foreclosure, there is help. I will listen to needs and concerns and make suggestions to your options you may have in avoiding foreclosure.  If the home owners mortgage company agrees to the bank short sale, then the lender will agree to pay a commission on the sale.

Sold Lender Countrywide          Sold Lender J.P Morgan         Sold Lender  Wellsfargo 

If your thinking about avoiding foreclosure? Please give me a call and lets talk, discuss all your options before letting your home go back to the bank!

Joe Kendall, Realtor Sandals Realty
Waterfront & Foreclosure Specialist
Phone 239-560-0726 Fax 239-236-0422
Discover Southwest Florida www.ViewSwFlorida.com
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

Here is a short list of questions you should ask the listing agent prior to making a contract offer on a bank short sale. Asking the right questions to the listing agent can go a long way to greatly increasing your chances of  getting an accepted offer and saving your client a lot of hopeless time waiting on a reply from the bank. These questions will help you decide what homes are truly a waste of you and your clients time.

(1) How far behind is the Seller on the mortgage payments? Most mortgage companies will not get serious about an offer unless the seller is at least 4 months behind in the mortgage and the bank has already started the process for foreclosure proceedings. 

(2) Has the Seller submitted all the required documents to the Lender? The lender will not even give the Listing Agent a reply with out all the sellers required documents. Some banks want the seller required documents and your offer submitted or all at one time. Just knowing the listing agent has all the documents in their file ready will speed up the process.

 (3) What kind of discussions have you had with the Lender ? This question puts the listing agent on the spot and opens up discussions. You should be able to tell if the listing agent is in tune with the file and the bank. If the listing agent is without a direct line to the assigned Loss Mitigation Officer to the file would in most cases result in a longer then normal reply on your offer.

(4) Dose the Seller have a First and a Second Mortgage ? Is the second  it with the same Lender? It takes more time to close a bank short sale with two mortgages and is even more difficult if it involves two different Lenders, the the chances of the deal are greatly reduced, yet some do close but expect a longer wait.

(5) Dose the Seller have PMI ( Private  Mortgage Insurance ) on this property?  Many times this comes out in the very end of settling the short sale , So ask it up front before making the offer. More often then not, the Investor that bought the insurance, will require a promissory note for the balance on his investment, before accepting to close the deal. Most of the time they will not remove their portion of the debt on the property, if the seller can not come to so terms on a cash or a payment plan, the mortgage will not be able to be released from the mortgage regardless of the contract price.  

There are some very good deals on homes that are listed as a bank short sales. They normally do not receive as many multi contract offers like bank owned property. Which currently is happening here in Southwest Florida.

We would suggest you don't shy away from the bank short sales! Find a Realtor that has experience in purchasing and closing bank short sales. You just need to start these simply discussions with the listing agent and the answers to these questions, This will give a you a better understanding on the direction you should take with your home buyer. 

The Sandals Team

Bank Approved Short Sale ! Loss Mitigation, Avoid Foreclosure ! Sold!  Talk to Joe ! 

This is a home of one of my clients who wanted to avoid foreclosure, the home is located in Cape Coral Florida. I was able to get the bank agree to the bank short sale, we successfully closed on this home Monday May 18th 2009 with the Bank Approval from Chase Bank. My Seller avoided foreclosure as the bank was into the home from more then 100,000 owed on the debt from the accepted $80,000 dollars offer. Many times banks will agree to a short sale to avoid expensive foreclosure proceedings !

If you are thinking about trying to avoid foreclosure? Loss mitigation starts with working with a Realtor that has the experience and the skills in dealing with all types of banks and mortgage companies.

If you have had your currently currently listed for sale and your listing has expired or you have given up on the process? or maybe you just are behind in your mortgage and your not sure who to talk to? Please give me a call at 239-560-0726 or email me at joek4realestate@aol.com I will listen to your concerns and give you advice to who to talk , the steps you might want to consider to your own situation.

I look forward to working with you!

Joe Kendall, Realtor Sandals Realty
Waterfront & Foreclosure Specialist
Phone 239-560-0726 Fax 239-236-0422
Discover Southwest Florida www.ViewSwFlorida.com
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com