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Did you know that Personal Judgments can affect your Short Sale? June 7, 2013

Posted by orlandoshortsalefl in Bank of America short sale, FHA short sale, Florida Foreclosure, Foreclosure in Orlando, judgments and short sales, orlando foreclosure, Orlando pre foreclosure, Orlando real estate, orlando realtor, Orlando Short Sale, Orlando short sale Realtor, short sale, Wells Fargo short sale.
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My husband Scott who is also a Realtor works very hard and very smart. Our specialty….Short Sales of course. 

Recently Scott has been working diligently on a Short Sale due to the Pending Foreclosure Sale date. As you know when that date is set, the clock it is a ticking. By the way Scott works diligently for all of his sellers. Well the title work came back and there are personal judgments against the seller. Can these personal Judgments prevent this Short Sale from closing? The answer is:  Yes they can.

Let me explain. A personal Judgment goes against the Seller and although it’s not attached to the Home it’s attached to the person trying to sell their home which can prevent the sale unless satisfied. So let’s talk about what types of personal judgments there are.  You can have a small claims case in which it didn’t go in your favor. You may have a criminal traffic ticket that hasn’t been paid or you were sent to collections court in the Clerk of court for that ticket. You may even have a credit card you stopped paying on years ago and just never did anything about it. These are just a few examples.

Now here is what you need to know. These types of challenges can ultimately hurt your chances of selling a home, but like any challenge there is always a solution. Here are a few steps you can take to correcting a situation like this. First off, when your listing your home in a Short Sale be up front with your Realtor/Broker, tell them about these outstanding items. Remember we are trained to handle these types of challenges. You can also pay them to get them recorded and satisfied. And if this is your personal residence you can file what’s called a “Notice of Homestead”, which then has to be sent to all creditors and there’s a 45 day response period before they are no longer active.

If we know about these Judgments upfront, we can give you the information you need to make this a Successful Short Sale.  

One more thing…. We understand it may be difficult to tell us this personal information that you may feel uncomfortable but just remember we ALL have bumps in this road we call life and in the end we ALL put our pants on the same way. One leg at a time.

Hope this helps those that are reading my Blog today.

Wendy Golding

When you hire an agent ask them to show you their approval letters or some of their closed sales. You want to have an expert on your side. At Asset One Realty, Wendy and I have this knowledge and we have the documentation to back it up. Remember foreclosure is the last resort. Contact us at our Web Site or Short Sale Answers this site has videos of the 5 most asked questions regarding a short sale and video testimonials from our clients. Email us direct at paganorealtor@gmail.com or assetonebroker@gmail.com

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Summerlin Winter Park Florida we have Cash Buyers June 14, 2012

Posted by orlandoshortsalefl in Bank of America, Bank of America short sale, Citi short sale, HAFA, Orlando Short Sale, Orlando short sale Realtor, Orlando short sales, short sale investment property, short sale realtor, Stop foreclosure.
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WE HAVE CASH BUYERS FOR  SUMMERLIN AT WINTER PARK CONDOS

Dear Property Owner of Summerlin Condos at Winter Park:

My Name is Wendy Golding, Broker/Realtor/Owner of Asset One Realty, Inc.  My husband Scott Pagano and I work primarily with Distressed Home Sellers, these are Short sales.

As many you may be aware the housing crisis has hit Orlando Florida very hard. For some of us who have invested in the peak of the boom we are facing defaults and foreclosures.

There are options out there for you.  Right now Asset One Realty, Inc. has qualified Buyers for Summerlin at Winter Park Condos located in 32792.  These are cash buyers who are very eager to own at this location.

Scott and I have negotiated many Short sales for Investors and would like to assist you with yours.  Now is the best time we have Cash Buyers waiting for Condo’s at Summerlin at Winter Park.

Please contact us today, there are three ways to reach us: email:  assetonebroker@gmail.com

Wendy’s Cell Phone 407-470-3894 or Office Phone 407-299-1888

web: www.OrlandoFLShortSaleCenter.com

We guarantee that we will get your Short Sale approved. Visit www.orlando-shortsale.info for videos on your Short sale Questions

Sincerely,

Wendy Golding

Broker/Realtor/Owner Asset One Realty, Inc.

When you hire an agent ask them to show you their approval letters or some of their closed sales. You want to have an expert on your side. At Asset One Realty, Wendy and I have this knowledge and we have the documentation to back it up. Remember foreclosure is the last resort. View our happy clients testimonials at our web sites, Contact us at our Web Site or Short Sale Answers this site has videos of the 5 most asked questions regarding a short sale.  like us on Facebook and view our homeowner help video. Email us direct at paganorealtor@gmail.com or assetonebroker@gmail.com             Click here for your free E-Book

Visconte Condos we have Cash Buyers June 14, 2012

Posted by orlandoshortsalefl in Bank of America short sale, Citi short sale, Citibank short sale, HAFA, Orlando Short Sale, Orlando short sale Realtor, Orlando short sales, short sale investment property, short sale investor, Stop foreclosure, Wells Fargo short sale.
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WE HAVE CASH BUYERS FOR  VISCONTI

Dear Property Owner of Visconti:

My Name is Scott Pagano/Realtor with Asset One Realty, Inc.  My wife Wendy Golding and I work primarily with Distressed Home Sellers, these are Short sales.

As many you may be aware the housing crisis has hit Orlando Florida very hard. For some of us who have invested in the peak of the boom we are facing defaults and foreclosures.

There are options out there for you.  Right now Asset One Realty, Inc. has qualified Buyers for Visconti located in Maitland FL.  These are cash buyers who are very eager to own at this location.

Wendy and I have negotiated many Short sales for Investors and would like to assist you with yours.  Now is the best time we have Cash Buyers waiting for Condo’s at Visconti.

Please contact us today, there are three ways to reach us: email:  paganorealtor@gmail.com

Scott’s Cell Phone 407-427-4763 or Office Phone 407-299-1888 web: http://www.OrlandoFLShortSaleCenter.com

We guarantee that we will get your Short Sale approved. Visit www.orlando-shortsale.info for videos on your Short sale Questions

Sincerely,

Scott Pagano

Realtor with Asset One Realty, Inc.

When you hire an agent ask them to show you their approval letters or some of their closed sales. You want to have an expert on your side. At Asset One Realty, Wendy and I have this knowledge and we have the documentation to back it up. Remember foreclosure is the last resort. View our happy clients testimonials at our web sites, Contact us at our Web Site or Short Sale Answers this site has videos of the 5 most asked questions regarding a short sale.  like us on Facebook and view our homeowner help video. Email us direct at paganorealtor@gmail.com or assetonebroker@gmail.com             Click here for your free E-Book

Wells Fargo short sale March 9, 2010

Posted by orlandoshortsalefl in Foreclosre, Foreclosure, Foreclosure in Orlando, orlando foreclosure, Orlando pre foreclosure, Orlando real estate, Orlando Short Sale, Orlando short sale Realtor, Orlando short sales, short sale, Stop foreclosure, Wells Fargo short sale.
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I wanted to let everyone know of my most recent Wells Fargo short sale approval. The closing was smooth and the negotiator was professional. This is by far the best bank to work with next to Regions Bank. The process is still efficient however they have become slower assigning a negotiator. My clients are still able to send in their own financials, this is a plus for some.

The assignment of the negotiator can only be due to the high volume of short sales they are processing. Also I now have to call multiple times to request a BPO or appraisal to be done. In the past this was ordered without me calling.

If these are the only downsides to Wells Fargo, I will take it. I now have various contacts within the bank. This is always a plus when you are trying to negotiate the short sale. If you are in Florida and have a Wells Fargo loan, I can list your home and help you get the short sale approved.

When you hire an agent ask them to show you their approval letters or some of their closed short sales. You want to have an expert on your side. Wendy and I have this and we have the documentation to back it up. Remember foreclosure is the last resort. Contact me at www.scottnwendy.com or paganorealtor@gmail.com 1-866-647-8425 EXT 104

Wells Fargo short sale November 2, 2009

Posted by orlandoshortsalefl in Foreclosre, Foreclosure, Foreclosure in Orlando, orlando foreclosure, Orlando pre foreclosure, Orlando real estate, Orlando Short Sale, Orlando short sale Realtor, Orlando short sales, short sale, Stop foreclosure.
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In the next few days I am going to Blog about my experience with the banks I am working with. I am hoping to give you some insight on how the different lenders short sales work from my point of view.

I must say out of all the lenders Wells Fargo is by far the easiest to work with. Their approval process is very smooth. The reason for all of this is as follows. The documents can be sent by myself as well as the home owner. They do not have to be sent together. This way my client sends his or hers financials and I send the listing agreement, HUD-1 and the purchase contract, etc.

The documents are usually uploaded within 2 to 3 days as opposed to other banks of 7-14 days. The negotiator will still take 30-45 days to get assigned. However once we get a negotiator we actually have someone to speak with that will return your emails and calls. This is the key to their success.

I have closed multiple homes with Wells Fargo short sales and they are by far the best lender out there at this time. The close second is Regions bank. This will be my lender of choice tomorrow.

Please contact me and I will customize a Orlando short sale to fit your needs. www.scottnwendy.com or paganorealtor@gmail.com

Remember foreclosure is the last resort.