Are you facing foreclosure?  Behind on your mortgage, need HELP? You May Have A Better Way Out! There are countless hardships that can turn home ownership from a joy into a burden.  The loss of a job, medical bills, or an unexpected hike in monthly payments can all make a mortgage unaffordable.  But ignoring the bills will not make them go away, it will only make things worse. If you need help, there are approaches that can help, but you may not be familiar with them.  One of these is a "short sale." In an approved short sale, the lender agrees to accept less than is owed for the property, and the homeowner is relieved of the debt.  A lender may be willing to do this because it spares a lot of hassle and expense involved in executing a foreclosure.  And typically, a short sale does far ... 10/19/2009

My daily wisdom quote of the day for October 15, 2009:   Patience and perseverance have a magical effect before which difficulties disappear and obstacles vanish. ~ John Q. Adams     My Daily Wisdom quote of the day for October 14, 2009:   Faith and doubt are both needed, not as antagonists, but working side by side to take us around the unknown curve. ~ Lillian Smith    Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!      Lynn is a licensed Realtor in Florida and Georgia.             10/16/2009

Captain Wayne, a veteran himself has implemented a program for the troops to show his appreciation and gratitude to the members of our Armed　Forces who have served our country in Iraq or Afghanistan (OEF/OIF Vets), by offering　this free　career opportunity to become a Florida licensed Real Estate Associate. I can remember looking for a career direction upon my military exit. Real Estate Sales can be an extremely rewarding career. As a Sales Associate, you are essentially your own boss, but with a manager who makes sure you have plenty of support. Your earning power is unlimited and you can set your own hours If you have great people skills, consider yourself to be a self-starter and the idea of becoming an entrepreneur appeals to you, you just might want to consider a career in real est... 10/05/2009

09/30/2009

Anyone else see the MSN.COM headline today, 10 Things your real estate broker won't tell you ?   1. "Your open house is really just a networking party for me."  My response: I tell sellers that most likely I will get more listings than buyers from an open house, that is how I feel and tell them up front    2. "My fees are negotiable." My response: It depends if you want to negotiate your fees, this could or could not be true, it depends on the agent and their brokers policy.  For me, I would not let a deal die if we are close over my fees 3. "Think you've had no offers? Actually, there have been several." My response: I present any and all offers that I recieve, any agent not doing this is seriously taking a chance 4. "I'm not obligated to keep my mouth shut for you." My response: This ... 09/28/2009

Captain Wayne Rowlett of Rowlett Real Estate School would like to extend a special thank you to the members of the Bay County Association of Realtors who attended my Continuing Ed Class on August 29th and 30th.  It was a great class!  I look forward to the upcoming class that will be scheduled this spring. ~Captain Wayne Rowlett For online courses and for the upcoming class schedule, visit my website at www.RowlettRealEstateSchool.com 09/16/2009

Rowlett Real Estate School, Fully Accredited On-line Courses Anyone needing Continuing Ed can contact Captain Wayne Rowlett with Rowlett Real Estate School or visit our website for live classroom dates and locations.  Online Real Estate courses are available in all 50 States at  www.RowlettCareerSchool.com.  Rowlett Real Estate School is one of the nations leading Fully Accredited Real Estate Schools providing online professional courses for a number of professions. The courses include pre and post licensing and continuing education for Real Estate, Appraisal, Home Inspection, Mortgage Broker, Land Surveyor, Engineer, Personal Finance, Professional Development, Counselor, Social Work, Tax Assessor, funeral services, consumer education and legal CEU. You can be on your way to becoming a ... 09/12/2009

Thank you for all the many phone calls and emails I've received from the recent news story by Nicole Morton on Channel 7 news - WJHG. For those of you who may have missed it, my Florida Real Estate blog post has a few exerts or you can read part of the complete Tech Savvy Agent story here. Nicole Morton of WJHG Channel 7 news did a splendid job of reporting the importance of technology in the real estate industry today. Her insight and attention to detail were very impressive during the interview and I'd like to thank her for the impressive newscast.   Owners, put my technology to work for you. If you are interested in selling your home or condo, contact me today (850) 774-6582 for a free no obligation Home value report. Buyers, when you're ready to purchase a Panama City Beach Gulf or ... 09/10/2009

One of the things we first learn in this real estate business is the part about ethics/morals, etc. My question is - how long does it take for us to forget this important part of our business. Personally, I have encountered several instances recently of unethical, greedy, hateful behavior, all about money....Only the money, the commission, the closing, the sale. To scheme, to lie, to cheat for a paycheck is pretty down, dirty, and desperate; if you ask me. A $5000 check is not worth my character, my reputation, or my soul. At the end of the day, I have to live with myself, and sleep at night, and I do - Very Well 08/16/2009

License Application Process Rowlett Real Estate School recommends that, if at all possible, as soon as the student decides to take the sales associate license course or the broker license course, the student should 1. First make application to the state. This will insure that you are approved to take the state board and will also allow you to take the state exam as soon as you finish your course with no waiting. This can be accomplished by doing it on-line or printing the application out, having it notarized and mailing the application in with a check. The school recommends students make the application on-line because it is faster and the student can attest to the facts without having to have the document notarized, saving time and money. Students can mail the application payment on-li... 08/12/2009

Purses with a Purpose A gently used and new designer purse auction and sale, Benefitting Shelter House - Domestic Violence Center and the Ronald McDonald House Thursday, August 20th  5:30 pm - 8:30 pm Silver Sands Factory Outlet Stores Come and enjoy food, wine, and purses. Event will take place in the store located between Nike Factory Store and Restoration Hardware Clearance Center Food provided by Carrabba's Italian Grill For more information or to donate a purse call 850-243-1201 or 850-797-3885 or stop by the Silver Sands Shopper Services, located between Coach and Michael Kors. Silver Sands Factory Stores - 10406 Us Highway 98, Destin, FL 32550-4999(850) 269-4675   08/03/2009

We just closed a Bank of America short sale in Panama City, FL First mortgage amount: $200,000 Second mortgage amount: $40,000 Sale price:  $185,500 lender agreed to pay $5500 for buyers closing costs, title insurance, doc stamps on the deed, tax prorations and 6% commission (one agent involved) Net amount to BofA:  $164,730.40 Seller did not contribute to the sale, no promissory note. Time Frame:  File submitted on 6/18/09, property closed on 7/27/09*** This was the second buyer, the first walked on 6/17/09 and we found a buyer the next day and resubmitted the entire package and closed in 40 days!!!!!!! For more short sale information www.ShortSalesinPanamaCity.com or email me for a short sale information package at jeff.payne@kw.com To view all listings all the time  www.KnowPayneKnow... 07/28/2009

Brook Simmons has achieved 100% commission by earning enough CGI to pay in her commission cap at Keller Williams Success Realty.   As a buyer specialist for The Payne Group at Keller Williams Success, Brook is working toward her buyer mastery thru education, training, practice and loads of hard work! We are so proud to be apart of Brook's success and want to publicly congratulate her! Pictured is our teamleader  Charlie Brown (Yes, that is his real name, and yes, he just needs that yellow shirt) handing Brook Simmons her first of many 100% commission checks. GREAT JOB TO THE CAT IN THE HAT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Let's give it up to Brook for showing everyone that the market is an opportunity market and that hard work pays off! looking for Panama City Real Estate, call Bro... 07/27/2009

TODD SABATINI CENTURY 21-SMITH&ASSOCIATES INC. 850-230-2350 WORK 850-819-4073 CELL TODDSABATINI@AOL.COM Residential Land - LND Click photo to enlarge or view multi-photos. MLS#: 396823 OfficeFile#: ListPrice: $74,900 Status: Active Last Change: 07/15/2009 LotSize: 68X128X70X132 Address: 1318 LAKEWALK CIR E Acreage:     PANAMA CITY BEACH, FL MinrlRts?   Zip: 32413 WFFeet:       LotAcc: Paved Road MainArea: 03 BB-Bay County-Beach     SubArea: 0308 - Beach W of Hwy 79 Zoning: Deed Restriction, Residential Single Family Subdiv: WILD HERON PHASE VI     ParcelID: 35271-600-100     ElemSch: Patronis Middle: Surfside High: Arnold Dir: From Hwy 79 and 98 travel west on 98 approx 5 miles to north on Wild Heron Way. Go one mile to guard gate, continue on Wild Heron Way to round-a-bout. At round-a-... 07/27/2009

First-Time Home Buyer Tax Credit Cambiar a Español Home Tax Credit at a Glance Frequently Asked Questions Share Your Story Video & Buyer Resources Frequently Asked Questions About the Home Buyer Tax Credit The American Recovery and Reinvestment Act of 2009 authorizes a tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residenc... 07/09/2009

The Panama City Visual Arts Center needs our help! Come out Thursday July 9, 2009 for a wine tasting and cookout. 07/06/2009

The Florida Real Estate Market statistics and summaries for the Panama City area for June, 2009 are now available for your convenience and download. The Panama City Florida real estate market continues to maintain itself with slight increases and decreases in expected areas: An increase in expired listings shows agents continue to take overpriced listings that will not sell in today's market. Sellers must be educated when pricing their homes for sale. It remains a buyers market and homes must be priced accordingly. Condo sales decreased slightly in part due to short sales and foreclosures as well as low appraisal values. The time-to-close factor plays a significant role in actual sale closings. In addition, smartly market priced condos continue to sell well. Read more at the Florida Rea... 07/01/2009

After lots of hard work and many months of development I am very pleased to announce the release of my new website. I've put together many new features including: Easier to navigate menus Many new communities and neighborhoods Newly redesigned Condo area Short-sale listings Foreclosure listings and a lot more Come by today and visit the new Panama City Real Estate website Jennifer Mackay 850-774-6582 www.jennifermackay.com "Liked this post? Subscribe to my Panama City Real Estate blog RSS feed and get loads more!" 06/28/2009

REMINGTON FINANCIAL GROUP, INC.    We have immediate access to capital for the following deals: •·       New construction, 70-90% complete, and the bank can't continue funding the project •·       Existing income producing properties where the bank loan has matured, the bank can't rollover or extend the loan, and the principal is unable to refinance the loan    Our investors and lenders require the following:  •·        Solid developers and/or owner operators •·        Banks willing to accept payoffs at a discount of 20-50%    Typical deal structure: •·        Investor or lender will buy or payoff the loan from the current bank at a discount •·        They will take an equity position in the project and if new construction, provide the funds to complete the project •·        Current pri... 06/11/2009

REMINGTON FINANCIAL GROUP, INC.    We have immediate access to capital for the following deals: •·       New construction, 70-90% complete, and the bank can't continue funding the project •·       Existing income producing properties where the bank loan has matured, the bank can't rollover or extend the loan, and the principal is unable to refinance the loan    Our investors and lenders require the following:  •·        Solid developers and/or owner operators •·        Banks willing to accept payoffs at a discount of 20-50%    Typical deal structure: •·        Investor or lender will buy or payoff the loan from the current bank at a discount •·        They will take an equity position in the project and if new construction, provide the funds to complete the project •·        Current pri... 06/11/2009