S.W. Florida Broker Joe

Search Thousands of condos in Fort Myers and Bonita Springs Florida by clicking Here   Now is the time to buy in Fort Myers and Bonita Springs. Bank Owned property, Short Sale Property and Motivated Sellers have people buying at unbelievable prices in southwest Florida.

Fort Myers and Bonita Springs Florida have many of the finest gated communities in all of Florida. Gulf Access waterfront Homes and Condos in Cape Coral are some of the best waterfront values in all of the west coast of Florida. See why CNN Money.com named Cape Coral as the no. 2 in the country as a best place to retire.

Call or email me today to request a detailed list of what your interested in buying in southwest Florida. 

Bonita Springs- Estero -short- sale- information. Written by Joe Kendall. Broker Associate with Sandals Realty . Question for you, was you Loan Modification denied by your lender? Are you facing a possible foreclosure situation? I can help you avoid foreclosure !

Short Sale Avoid Foreclosure Advice written By Joe Kendall, Broker Associate with Sandals Realty. The Hardship Letter is the most important and is a major factor in getting your short sale approved by your lender along with your  documentation supporting this letter. ( I can go over this when we talk in Person)

I would like to give you some tips in how to write a hardship letter to your mortgage lender greatly improving your chances of the bank understanding your own personal situation.

Remember you are composing the "hardship letter" for your bank or your mortgage servicing company, do not write a book because most likely it will not get the attention your trying to receive from the lender. The person that is going to read this is someone that understands general information that is factual.

Please Keep it to one page (Do Not Type It , but write it out with an ink pen or print the letter out in ink, again Do Not Type This Letter !) be right to the point, put the emotional aspect  in the beginning and in the closing your message.

Here is an example list of hardships that lenders consider:

        Illness  (explain before and after effects)

• Loss of Job ( what income you made before and now current, explain in the unknown future if it's unclear. 
• Reduced Income (what you made before and what is now current )
• Failed Business   ( how much was invested, how much money was lost and how this has impacted you currently)
• Job Relocation ( forced to relocate ( current mortgage payment and what your new mortgage payment will be in our new location ) show your current income can not support two homes in a simple math problem)
• Death of Spouse or C0-Borrower
• Death (supporting documents )
• Divorce (support documents )
• Marital Separation (how this has impacted your ability to pay all your current bills )  
• Reduced Income (what was it before and now )
• Medical Bills   List all the bills current and future balance , list how much money you are currently behind)
• Damage to Property (natural disaster or unnatural)

Here I explain in detail more about what may qualifty you for a short sale. Click Here

Now that you understand what your lender or servicer is looking for, it’s time to sit down and write a hardship letter. . Make sure you make it unique to your personal situation. Do not talk about local or national media issues, make it very personal coming from your heart.

 Remember that your hardship letter is a very important part of the workout process.

 Example Hardship Letter:

 Name: (Your Name)

 Address: (Your Address)

 Lender Name: (Your Lender)

 Loan #: (your Loan #)

 To Whom It May Concern:

 I am writing this letter to explain my/our unfortunate set of circumstances that have caused us to become behind in our obligation to maintain our current mortgage payments . We have done everything in our power to make ends meat but unfortunately we have fallen so far behind that it looks very bleak so we are asking for your help. (ADD YOUR PERSONAL, EMOTIONAL FEELINGS HERE )

We would like you to consider working with us to modify our loan or doing a bank short sale. Our number one goal is  to keep our home and we now have come to conclusion our dream home and all we have worked for our in-tire lives is coming to end end and we have to come to terms with this. Please understand it's very hard and we did not ask for ourselves to be in this situation we are in today.

 The main reason that caused us to be so far behind is ( insert the No 1 reason here and be to the point   ) Soon after being late and our income not being no where near enough, we had fallen further and further behind. It’s now to the point where we cannot continue to catch up or pay what is owed to you. It has always been in the past and up to now,  to fully meet our monthly obligations to pay what we owe and stay current. But at this time we have exhausted all of our income and resources so we are asking for your helP

(The approximate date start of the hardship, we believe that our situation is ? on future timetable is ? )

Our situation has got-ton worse because (reason here) and we feel that if you could rework our loan balance and mortgage payment or agree to do a short sale? We feel this  would benefit us and (the name of the lender here). We would appreciate if you can work with us to lower or delinquent amount owed and or payment so we can keep our home and also afford to make amends with your firm.

We truly hope that you will work with us and together we can get this settled so we all can both move on.

Thank-You for your time in considering me and my family's  under these hard and difficult times

 Borrower’s Signatures

 Date

Press Release ! Capital Bank Accepts the Short Sale deal at  "The Residences at Bonita Village ! SOLD !

     Joe Kendall, Broker Associate with Sandals Realty  CLOSES YOUR SHORT SALE  !

Pre-Foreclosure /  Short Sale Luxury Condo for sale.

Located at the Residences a Bonita Village, Bonita Springs Florida.

 Short Sale Offering !  SOLD, SOLD, SOLD   $255,000

CHECK OUT THE RENTAL INCOME INFORMATION HERE

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 ! Things to do look  here !

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

From the desk of Joe Kendall, Broker Associate with Sandals Realty.

You have a choice of Realtor to help you successfully close your short sale.

Book Smart Realtor ( CDPE ) or Street Smart Realtor (Years of Experience)   

Wachovia, World Savings, Capital Bank, Bank of America, Wells Fargo, American Home Mortgage, Bank United, ASC, EMC, Chase, Citi, Bank United, National City Mortgage, HSBC, Saxton, Litton Loan Services, GMAC, ING Direct, and more!

Estero Florida short sale advice is written on 10/20/2011 by Joe Kendall, Broker Associate with Sandals Realty. The HAFA stands for the Home Affordable Foreclosure Assistance Program it's importance to you the home owner is best described as a program of helping borrowers with relocation assistance and a great alternative for you then loosing your home to foreclosure.

Ask yourself these simple questions.

Is your home located in Estero, Bonita springs or Fort Myers and is going no where?

Is your burden of making payments effecting you Mentally? Personally? professionally? 

Do you feel like your home in Lehigh Acres, Cape Coral or Fort Myers is loosing money every month making the mortgage payment?

Here is a link to a Youtube presentation about qualifying for a short sale here  

Here is a link to understanding a hardship and how to write a hardship letter

I have closed several short sales in Esterro, Cape Coral, Fort Myers , Bonita Springs and Lehigh Acres with many of the major lenders in this country such as Bank of America, Chase Bank, Wells Fargo. Citi Bank,  Saxton , Litton loan servicing, ING Direct and many others.

Many banks now are offering relocation assistance with cash at closing of your successful closing of your short sale. 

I would like to help you too! Please call or email me and lets talk about your situation and let me see what direction is the best for you.

Press Release from :

Joe Kendall, Broker Associate with Sandal Realty

Home Affordable Foreclosure Alternatives Program (HAFA) -

There has been many questions about the HAFA PROGRAM and Bank of America is reaching out to there clients with information that will help people understand the exceptions of the program as many people's mortgage was purchased from Countrywide Home Loans or as of just recently serviced now by Mellon Bank of New York.

I have attached the link to their web page that reflects  "If my mortgage is not owned by Fannie Mae or Freddie Mac..." If you have questions click the link here Home Affordable Foreclosure Alternatives Policies.  

If you have questions? Please feel to contact me at anytime to discuss how this could impact your ability to short sale your home here in southwest Florida.

Bonita Springs Florida. 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 Bonita Springs, Estero and through out southwest Florida. Here are examples of calls I received recently.

(1) 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 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 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 85% of the home owners in Southwest 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 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 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.

 I look forward to talking to you !

Thank-You

These homes have been SOLD! Yes I do Close Bank Short Sales! 

(1) "How  we will Sell Your Home as a Bank Short Sale"

Fort Myers & Bonita Springs, Short Sale Expert Advice written by Joe Kendall, Broker Associate with Sandals Realty. 

If you do a short sale your chances are very high they will release you from any future debt to them.The short sale process I have been using is based on my experience in closing short sales since 2007. My experience will help you achieve a higher success with a release of any future deficiency with your lender.   

The results of a successful short sale only restricts you from getting a mortgage from Fannie Mae or Freddy Mac for within 3 years. This helps you restore your credit report a lot quicker then a foreclosure.

Are you wondering what may qualify you for a short sale? Just click here

Experienced Agent that has successfully closed several short sales is your best choice to help you with closing your bank short sale contract.

I look forward to speaking with 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.

          Joe Kendall, Broker Associate with Sandals Realty a Short Sale Speciaiist Presents !

Pre-Foreclosure /  Short Sale Luxury Condo for sale.

Located at the Residences a Bonita Village, Bonita Springs Florida.

 Short Sale Offering !  Reduced, Reduced, Reduced,  $254,000

CHECK OUT THE RENTAL INCOME INFORMATION HERE

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 ! Things to do look here !

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 !

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 !

 Everybody likes reading a little history now and then.

    I have been providing "Old Fashion Service" real estate services since 1999. I Make it All About YOU !

Naples Short Sales Information written by Joe Kendall Broker Associate with Sandals Realty. I have many happy clients that I have successfully closed their short sale using my Short Sale Service Program for many homes located in Cape Coral, Fort Myers, Bonita Springs and Lehigh Acres.  

I have been working and closing short sales since June of 2006. My team negotiates ( Loss Mitigation as it is called )  with the lenders and we do not charge a FEE for short selling your home. The bank pays our commission, There are some investors calling home owners that may ask you to sign over your deed are really not trying you short sale your home. It's always good to seek legal advice before listing and selling your home as a short sale.

Here is how to write a Hardship Letter to your lender it will also give some discription to what is considered a hardship by your lender. Here is a basic list of required documents for the short sale

Joe Kendall has worked with the following banks and mortgage servicing companies:

Wachovia, World Savings, Countrywide, Bank of America, Wells Fargo, American Home Mortgage, Mellon Bank, Linton Loan Services, Saxton Home Servicing, Chase Bank , GMAC, Citi, ING Direct, HSBC, and a few credit unions.

I also work with the online Equator.com short sale servicing system. I also help sellers with receiving HAFA APPROVALS with their lender.

I look forward to talking with you.

 I have successfully closed bank short sales with Bank of America, Chase Bank, Citi Bank, Wells Fargo and many others !

In the last few months I have been able to help sellers sell through the short sale process,  Banks are stepping up their efforts by offering you cash at closing, hiring more people, and moving their platforms online so agents, appraisers, banks, investors, attorneys, etc. can all work on the file together and streamline the process. 

I have successfully closed several bank short sales. If your thinking about trying to avoid foreclosure? I am looking forward to talking with you. My Advice in how to handle your mortgage lender is free  THE PROCESS ALL THE WAY TO THE CLOSING IS FREE TO YOU THE HOME OWNER.The Lender pays my commission!

I look forward to talking to you.

Bonita Springs Florida home owners. Are you thinking about the need to avoid foreclosure? Are you asking yourself these questions? Here is the link to the Goverment HAFA Program Guidelines

Do I let my home go back to the bank?

Do I work with the bank on a Deed of Lieu of Foreclosure?

Do I work with an experienced agent that has had success in successfully closing a bank short short sale?

Do I do nothing and just walk a way and hope for the best?

You should get sound advice before you make a decision on your home and your own personal Future           Even if you walk away, the bank could still do a judgment against you for the whole amount you owe, would they do this? No one knows for sure, but the current laws make it possible for them to do so.

These homes have been SOLD! Yes I do Close Bank Short Sales! 

 Approved Short Sale         Approved Short Sale           Approved Short Sale          Approved Short Sale

     Bank of America               Wellsfargo                        Chase Bank                   Bank of America

Sold! Sold sold!           Sold, Sold, Sold                 Sold, Sold  Sold ,            Sold, Sold Sold, Sold

You should first try and see what kind of arrangements you can make with your bank or mortgage company in reworking your home loan so you can keep and stay in your home. If not a Bank Short Sale is your Next good option.

I will help you with understanding of the following :

(1) "How  we will Sell Your Home as a Bank Short Sale"

(2) "Working with You and Your lender on their required documents" (Your Not Alone ! ) 

(3) "What happens when we get an offer ? "

(4) " The Closing and the Release of your mortgage  and a possible"release from any future judgment against you "

(5) " Getting your Credit Score back on track "  

I look forward to talking with you.

Best regards

Naples, Bonita Springs, Fort Myers, Estero & Cape Coral. Broker Joe Closes Bank Short Sales.

Broker Joe is Not An Expert,  But He's Pretty Darn Good!

    Cape Coral, Fort Myers, Bonita Springs & Naples Florida. Broker Joe List's and Sells Bank Short Sales!

 Joe Kendall Broker Associate with Sandals Realty writes, Question? Are you tired of going month to month and barely paying on your mortgage of a home that you own that is now worth less then 50% what your currently paying on? Are you tired of carrying this burden? Maybe it's time to consider closing this current chapter of your life and starting a new one?

  I have closed many short sales since 2007 with many of the largest mortgage companies and banks in this country. I understand the process and know how to work with these lenders to take a short sale offer then the bank spending more money to foreclose on your home and end up with less money to the bank. 

Many times I have been successful in working out a deal where the bank agrees to wave any future deficiency judgment against you for nothing out of pocket to you, other times for a small promissory note ( Example, $3,000 paid over 5 years for the release of $230,000 owed to the lender )  The choice becomes preety clear ! Wouldn't you agree?

Remember even if you walk away from your home, the bank can still go after you up to 10 years down the road for the full amount you owe.

Lets talk and see, if I can help you too !

I look forward to talking with you.

Cape Coral, Fort Myers & Bonita Springs, Bank Short Sale Expert Advice written by Joe Kendall, Broker Associate with Sandals Realty. The HAFA stands for the Home Affordable Foreclosure Assistance Program it's importance to you the home owner is best described as am program of helping borrowers and a great alternative for you then loosing your home to foreclosure.

A short sale or deed-in-lieu is a very smart move for both the lender and the borrower because the home will maintain it's value better when occupied, and the borrower gets to reduce their debt load. If you were not able to get your loan modified, this may be the best option for you since a foreclosure or bankruptcy can affect your credit for 7-10 years

The results of a successful bank short sale only restricts you from getting a mortgage from Fannie Mae or Freddy Mac for within 3 years. This too helps you restore your credit report a lot quicker then a foreclosure.

The Banks will try and direct you to one of their bank owned property Realtors, but any Experienced Agent that has successfully closed several short sales is your best choice to help you with closing your bank short sale contract.

This is what one of my clients had to say about my services.

The Documents for the Affordable Foreclosure Assistance Program can be accessed by clicking here