Cape Coral Short Sale Expert

Port Charlotte Florida Real Estate written by Joe Kendall, Broker Associate with Sandals Realty. Banks are in many times agreeable to a bank short sale verse allowing your home to go back to the bank in foreclosure.  I receive lots of questions and listen to statements from people owning homes here in Port Charlotte, Punta Gorda and Cape Coral  Florida. Here are examples of calls I received recently.

(1) I Live in Port Charlotte and I have tried talking to my Lender about a loan modification, 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 on my home in Punta Gorda 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 $350,000 on my waterfront home in Cape Coral and Now I don't know what the house is worth? But, I do know  the market has gone down in Cape Coral. Question? What can I do to get the mortgage company to work with my lender 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 85% of the home owners in southwest Florida Florida 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, questions and I always offer up different options or suggestions so you have things to think about before you make a decision on letting your home go into foreclosure.

I help people avoid foreclosure by helping them with a 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.

 I look forward to talking to you !

Thank-You

  Joe Kendall, Broker Associate with Sandals Realty writes, today I received a call from a home owner in southwest Florida that had some questions about doing a short sale. She asked about my loss mitigation services and removing a second mortgage holder on the property and if it was possible ? 

I advised her that in December of 2010 I Had this home listed as a shorts sale and I was able to get Wellsfargo and Chase Bank both say YES WE AGREE to the Bank Short Sale contract !

Do you live in  Cape Coral, Fort Myers, Bonita Springs or Naples? Are you asking yourself a lot of questions?

(1)  Are you behind on your mortgage?

(2) Are thinking about maybe doing a Bank Short Sale?

(3) Did you know if you walk away and let the bank foreclosure on your property, the bank can still go after you for the full amount owed on the property?

(4) There are options (Short Sale, Deed-in Lieu, Bankruptcy )  out there, now is the time to talk about putting your misfortune behind you and moving forward with your life. Just setting around and waiting is not an option.

I look forward to talking to you.

Southwest Florida real estate market information covering the cities of Cape Coral, Fort Myers, Bonita Springs and Naples written by Joe Kendall, Associate Broker with Sandals Realty.

The Short Sale market seems to be always revolving and improving with banks getting more agreeable to accepting short sales verse foreclosure. Leading the way in this direction is Jp Morgan Chase Bank as in recent actions JP Morgan Chase has decided to sweeten the short sale process. They have decided to offer $10,000 to $20,000 dollars to owners who will agree to a short sale in addition to forgiving the remaining balance of the loan.

Well you have to understand by just asking yourself this simple question? Why would a bank offer so much money on a failing home loan? Well it's pretty clear that Banks would never make any offers that they do not make a huge profit?

The Florida foreclosure process ( Florida is a Judaical State) and is notorious for taking an extended amount of time, sometimes as much a year to foreclose on a home owner. The more recent ROBO SIGNING SCANDAL has made all the banks rethink their foreclose process.

If the bank had no other choice they would foreclose on the home owner, but currently the banks thought process is clearly a short sale option is the banks first choice now.

If you are thinking about a short sale? Here is a link to my information on what really may qualify you for a short sale and how to write a short sale hardhip letter and here is a information for the required documents that will be required from you at time of submitting a sales contract for your home.

I have listed many Banks and Mortgage companies contact information below. You should call your lender and discuss your options and request a short sale package or more information from them. 

ABM AMRO Mortgage (800) 783-8900
American Home Mortgage  (877) 304-3100

Ameriquest Mortgage (800) 211-6926

Aurora Loan Services (800) 550-0508
Bank of America (800) 846-2222

BB&T Mortgage (800) 827-3722

AmTrust Bank  (888) 696-4444

Chase (800) 548-7912

Chase Home Finance  (858) 605-2181

Chase Manhattan Home Loans (800) 526-0072
Citi Financial  (800) 753-3673

Citi Mortgage (800) 283-7918

First Horizon Home Loans (800) 489-2966

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700

GMAC Mortgage (800) 850-4622

HSBC Mortgage (800) 338-6441

Indymac Bank (877) 736-5556
Key Bank (800) 422-2442

LaSalle Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501

Nationwide Advantage Mortgage Company (800) 356-3442

NationStar Mortgage (888) 850-9398

Ocwen Bank (800) 746-2936 or try (877) 596-8560

Saxon (800) 665-7367

Sun Trust Mortgage (800) 634-7928
Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wells Fargo (866) 261-5642 or try (800) 678-7986

I have successfully closed several short sales and I look forward to discussing any questions about the process with you.

If you are thinking about a short sale and your original mortgage was with Washing Mutual and is now with Chase Bank, they are looking to remove those mortgages off their books and they may have the exit strategy you may be of interest to you?

Chase bank has been offering up to $30,000 cash at closing to people that are behind in their mortgage (underwater is a good term ) but you have to qualify. Yes you read this correctly up to $30,000 cash at closing and they will wave any future deficiency to you!

You will never owe then another dime again! Here is the catch:

(1) Home owners who initiated their mortgage with the now out of business Washington Mutual home loans are qualified.

(2) The home owner must truly be underwater. meaning their home is worth a lot less today then what is currently owed on the home.

(3) Your cash amount paid at closing is based on your size of your loan amount and what your currently owe them.

(4)  You must show you are under some type of hardship and no longer can afford your current mortgage payment.

I am not really sure how many Washington Mutual Loans where written in Southwest Florida, but it will be interesting to see if these big incentives have an impact of our real estate market in southwest Florida.

I have successfully closed short sales with JP Morgan/ Chase Bank. So if your decide or have questions about doing the short sale with Chase bank give me a call and I will help you with the process. I do not charge anything to the home owner my commission is paid by the lender at closing.

I look forward to talking to you.

          Pre-Foreclosure Short Sale located at the Residences at Bonita Village! Short Sale, Furnished ! $254,000 

Bonita Springs Florida Pre-Foreclosure Sale. Looking for a short sale / Pre- Foreclosure condo for sale in Bonita Springs?  HERE IS YOUR CHANCE, BUT YOU BETTER HURRY ! The Unbelievable Amenities plus the Outstanding Lifestyle at the Residences in Bonita Villages are waiting for you !

Completely Furnished and Loaded at Short Sale Prices ! 2 Bedroom, 2 Bath with a huge balcony with a private outside staircase. Wonderfully decorated and ready for your enjoyment or use as an investment with lease limits here are only 7 days and up to 52 weeks rental income is possible.

The amenities of Granite Counter tops in the Kitchen, Master Suite and Guest Bath. The Kitchen features stainless steel appliances, upgraded cabinets, eat in breakfast bar and dinning area.

The Community Building ( Island House ) features the finest in fitness equipment, there are Social, Game and an amazing Billiards and Media Room ! The Southwest Florida resort style is awaiting you !

The Bank is waiting on your offer ! We have Successfully Closed Several Short Sales. This is subject to the lender approval. Anything worth having is worth waiting for ! Agree ?

Call Joe Kendall Broker Associate with Sandals Realty today to schedule your very own personalized showing of this fine community !

 Joe Kendall, Broker Associate with Sandals Realty Waterfront & Foreclosure Specialist writes, southwest Florida  offers some of the very best in value in regards to a Waterfront Property with access to the Gulf of Mexico.

Southwest Florida offers some the very best in the state of Florida for Tarpon, Shark, Red Fish, Snook, Sea rout along with offshore for mostly Grouper and Snapper Fishing! 

Located off the shores of Southwest Florida, we have several "Man made Reefs" excellent Fishing Spots for Off Shore Fishing. I would like to give you my favorite spot with the Loran numbers and the Gps readings to go off shore fishing.

Sometimes i like to fish the  Edison Reef, it is built with old concrete bridge pilings from the old Edison Bridge. it is located about 11 Miles off shore from Sanibel Island's Light House and the south end of the island. listed below are the Loran and GPS Readings so you find find the reef. 

Loran C TD"S   14077.9 43970.7       GPS  26' 18.59' 82' 13.31'

I use live pin-fish, shrimp for Snapper, Sea Trout, Grunts and Redfish  Water depth around 14 -18 feet l. Squid works well some days too !

Thinking about buying a waterfront home? It's all about location and access to the open water! Work with a Realtor that knows Southwest Florida on and off the water!  I park my boat on the water in my back yard and you can too! Allow me to show you the way! Search Hundreds of waterfront Properties from  my web site's by clicking here   

I Look forward to hearing from you and best of Luck Fishing! Let me know how you do, as everyday is a great day on the water!

Open House Sunday November 22nd from Noon till 4:00 PM

Reduced $30,000 Seller Says Make an Offer ! 

 Take the Virtual Tour by Clicking Here

Cape Coral Florida not a foreclosure, not a short sale ! This is truly a rare fine of a gulf access home setting on a well landscaped 1/2 acre with full irrigation system. Look and You will "See the Difference" when you visit  this Direct Gulf Access Home located on a Park Like Setting 1/2 acre yard ! Enjoy the updated and fully finished lanai or enjoy the views outside on the brick pavers courtyard !

this home has been completely updated featuring a new Kitchen with Breakfast Bar. Bring your Sailboat or big boat, great boating location. This home is in move in condition, you will not believe your eyes! All assessments are in and Paid ! This home could be sold partially furnished.! Call Joe today at 239-560-0726 to schedule your own personal showing ! Asking $276,000 Seller says make an offer !

 Enjoy Paradise in this "Park like Setting " Take the Virtual Tour of this fine home by clicking here

Room for the largest of boats and up to 48 foot mass for sailboats.. Welcome Boaters to Cape Coral !

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

 Cape Coral Florida * Gulf Access Waterfront Pool Home * Take the Virtual Tour *Discover Cape Coral Fl.

511 SE 33rd Terr. Cape Coral Florida.3 Beds, 2 Baths, Office Den, Over 3,700 total sq. ft. Asking $387,500 

Cape Coral Florida. Gulf Access Waterfront Real Estate. Check out this outstanding Gulf Access Waterfront Pool Home! Everything has been completely updated ! This home features 3 Bedrooms, 2 Bathrooms, Den/Office with over 3,763 of total living area located on a quiet Street. Amenities include Vaulted Ceilings,Porcelain Tile,Wood Flooring,Large completely updated Kitchen with New Cabinets, Tile, Light Fixtures and Stainless Steel Appliances. Formal Dining area, Pocket sliders leading to the Huge Lanai with Built in wet Bar with Jenn-Aire Grill,Oversized solar heated Pool with a two tone Brick Pavers Pool Deck,a large pool bath.

Enjoy this gulf access waterfront pool homes view from the lanai,on top of the pool deck or waterside on the large wrap around dock with a 10,000 lb boat lift. Located on lush landscaped 2 1/2 Lot site with 11 soaring palm trees,all assessments are in and Paid! The list of improvements and amenities are truly endless. This home is much better then new construction! 13 Month Home Warranty included! Home Buyers put this one on your MUST SEE LIST !

I welcome you to take the Virtual tour of this gulf access waterfont pool home located in Cape Coral Florida, by clicking on the VIRTUAL TOUR LINK HERE

Florida Foreclosures * Southwest Florida Real Estate * Cape Coral * Fort Myers * Search The MLS Listings !

                         Welcome to Paradise !  Another day comes to end in Southwest Florida !

 Don't you deserve the Lifestyle of  "Endless Days" and "Bright Sunset Evenings" ?  Every day in southwest Florida ends with a different looking sunset. You deserve the very best of all the little things in life that make southwest Florida so special.

Why not join thousands of people currently relocating to Florida ? Home prices are the lowest in over 10 years and the choices of Bank Owned,  Foreclosures and Bank Short Sales are almost endless! You can buy more house for the money then most places in Th United States and the Sunsets are Free! No cold or Snow here !

Search Thousnads of Homes, Condos and Townhomes by clicking on the free account

I look forward to working with you!

Joe Kendall, Realtor Sandals Realty
Waterfront & Foreclosure Specialist
Phone 239-560-0726 Fax 239-236-0422

Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

        The start of another day from the "Waterfront Paradise" Cape Coral Florida!  

     The waterfront view from my home in Cape Coral Florida ! Come join me in Paradise!

Search hundreds of waterfront homes in southwest Florida from my website, just click here

Is the pool flowing into the canal?

Your view from your back yard could look just like this ! living on the waterways of Cape Coral Florida !