S.W. Florida Broker Joe

Open House Naples Florida, January 8th 2012  Marina Bay Club  Unit #309  Gulf Access Waterfront Condo for Sale !

SELLER SAYS MAKE AN OFFER ! Looking for an Outstanding Waterfront Lifestyle in Naples ? Your destination in paradise is found right here ! Great location on the waterfront and centrally located close to everything to do in Naples! Enjoy "Outstanding Sunsets Everyday" along with great amenities offered here  at the Marina Bay Club !

You must see this wonderful 2 Bedroom 2 Bath Condo with amazing upgrades including granite, new cabinets, stainless steel appliances, wood flooring, the works! This unit is for the home owner who loves to entertain ! Call today to schedule your very own personalized showing of this great condo and a tour of the Marina Bay Club ! ONE YEAR HOME WARRANTY IS INCLUDED AT CLOSING !    

Naples Waterfront Condos for sale located in Southwest Florida. we are encouraging you to request local information on all the gulf access waterfront Condos in gated communities for sale from a leading bank short sale expert Joe Kendall Broker Associate with Sandals Realty. Joe will ensure you will reply to you with the most current information on foreclosures and short sale waterfront condos and homes located in Naples Florida by clicking here

Naples Florida real estate investments written by Joe Kendall, Broker Associate with Sandals Realty. There are two different choices you make make without having to pay cash and can help you avoid paying taxes.

1031 Exchanges and Self Directed Retirement Accounts : let me explain the difference and how they work.

(A) 1031 Exchanges are used by real estate investors by reinvesting profits and appreciation while avoiding taxs on your investments. They provide you the Florida real estate investor the ability to start at any level meaning the amount of investment  and trade up on property without the taxes taking a huge bit out of your profits and impacting your accumulation of wealth invested in southwest Florida real estate.

(B) Self Directed IRA'S help the Florida real estate investor invest their money/funds in non traditional options such as southwest Florida real estate. this gives you the ability to steer away from tax implications that can come with investments.  

I work with one of the top of the leading experts in the field of 103 Exchanges and Self Directed IRA'S in the state of Florida. 

The Foreclosure and Short Sale Real Estate Market in southwest Florida remains still Strong for the real estate investor looking to grow their investments. I have been listing and closing short sale properties since 2007 and have the experience  to help you grow your investments in in southwest Florida

I look forward to talking to you about southwest Florida real estate investments.

 Waterfront Condos for sale in Naples Florida ! Featuring Marina Bay Club ! 

 REDUCED $20,000  SELLER SAYS MAKE AN OFFER !  Not a Short Sale or a Foreclosure !

Naples Real Estate: written by Joe Kendall Broker Associate with Sandals Realty.

Pictured here is Marina Bay Club of Naples

The Marina Bay Club is a residential condominium with 82 units, ranging in size from 1,500 square feet to over 3,000 square feet, including the lanai. Marina Bay is surrounded by Island Marina, with 80 boat slips. Amenities include a pool, spa, tennis court and community room.

Pictured here is a 2 Bedroom, 2 Bath Condo Unit #309 with lots of upgrades with wonderful amenities! Call today for the most current price and ask for a complete list of condos for sale in Marina Bay Club located in Naples Florida.

 * Thinking about Selling? It's all about Exposure !

Naples & Fort Myers Luxury Homes Specialist!

Southwest Florida's Premier Luxury Real Estate Marketing Specialist. Talk to Broker Joe, It's Going to Be Huge!

Naples & Bonita Springs Florida * FREE Loss Mitigation Services * Bank Short Sale Advice ! * Talk to Broker Joe !

Naples & Bonita Springs Florida short sale real estate advice is 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.

Ask yourself these simple questions.

Is your home going nowhere?

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

Do you feel like your just loosing money every month making the mortgage payment?

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

You may be able to walk away without you owning the bank another dime after closing a successful short sale. 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.

I have closed several short sales with many of the major lenders in this country such as Bank of America, Chase Bank, Wells Fargo. Citi Bank, Countrywide, Saxton , Litton loan servicing, ING Direct and many others.

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.

Best regards 

Naples and Bonita Springs short sale Information. Successfully closing a Short Sales is a way to move on with your life and move forward without ever having to worry about the bank coming back after your in your future ! My goal is to re-leave you of your debt and never have to worry about it again!

Naples and Bonita Springs Short Sales. Experience matters when closing a short sale.

  I will help to expedite your transaction, you don't want to miss any important details due to an inexperience Realtor to find out your transaction is not going to close because someone has not 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 or has the largest sales team.

  Many of the traditional real estate offices in Naples and Bonita Springs have a history of  just going after listing after listing with the hope that someone else is going to sell it ! Your short sale is a different kind a sale too !

I will listen to you and your concerns and advise you all the way to the closing, your never lone! Every sellers situation is different and I understand your importance in getting you debt situation resolved so you can move on with your life.

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

Naples Short Sale informational tips; By Joe Kendall, Broker Associate with Sandals Realty. I would like to give you some tips in how to write a hardship letter to your mortgage lender.

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 fromm 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)
  

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. This is a place where "Personal Drama" is good !

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

Co-Borrower’s Signature

Naples Real Estate. A short sale can be an excellent solution for home owners who owes more then their current home is worth today and have found that paying the current mortgage ( keeping it current ) has become no longer possible.

Naples Florida short sales have greatly increased over the last 6 months as Banks and Mortgage lenders have stream lined the short sale process and now are accepting more short sale contracts now then they where just 6 months ago. 

Here is the real definition of a short sale:

• A homeowner is 'short' when the amount owed on your property is higher than current market value.
• A short sale occurs when a negotiation is entered into with the homeowner's mortgage company (or companies, if you have more then one mortgage on your property ) to accept less than the full balance of the loan at closing.
  
• a HARDSHIP LETTER is required to explain to your lender what has happen in your current situation that dose not allow you to continue paying your mortgage payment.

Call me today and I will explain what required documents you will need to provide your lender at time of accepting a contract for the short sale.

 I look forward to talking to you.

Short Sales in Naples and Bonita Springs Florida. I have successfully closed bank short sales with Bank of America, Chase Bank, Wells Fargo, Citti Bank and several others. The Foreclosure process can be avoided by working with your current mortgage holder and asking about all of your options? If they are unwilling to work a reasonable option, you can avoid foreclosure by doing a Short Sale. I have successfully closed several Short Sales in Southwest Florida. I look forward to talking to you, but I would suggest you do these things first.

I would suggest you talk to your Tax Account, a real estate Attorney and then talk to a Realtor that is experienced in closing short sales. 

When you have decided that a 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  Short Sale to avoid foreclosure.

You should request from your lender a  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 short sale 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 Short Sales.  I work with several title Companies that provide the services I need to get the short sales accepted, closed and working toward a release of any future deficiency to the you by the lender.

I look forward to answering all of your questions about short sales.

                                            Pre-Foreclosure, Bank Short Sale $ 159,900

Naples Florida Bank Pre-Foreclosure Sale ! Wonderful spacious 3 Bedroom 2 bath Condo with an outstanding second floor view of the golf course. Stonebridge is a bundled golf community, where every owner is a member of the Country Club. All amenities such as tennis, clubhouse,fitness center are just a short distance away ! Stonebridge is located within 3 miles from the beach and the I-75 interstate. Here is your chance to buy into a great country club community at bank short sale prices! Call Joe Kendall, Broker Associate with sandals Realty today for more information.

Take a Southwest Florida Luxury Home Tour right here

Joe Kendall, Broker Associate with Sandals Realty

Luxury Real Estate- Fort Myers, Naples & Sanibel Island
My Story -Successful in helping and supporting people
My Passion – Improving peoples lives through real estate
My Support -Encouragement backed by knowledge
My Tools – Best Technology in the Industry
My Business Strategy-Putting People First
My Goal -You reaching our goals, your accomplishments
Joe Always Says-It’s not about me, It’s all about You !

Southwest Florida's Premier Luxury Real Estate Marketing Specialist. Talk to Broker Joe, It's Going to Be Huge!

Exposure ! It's all about giving your home the best presentation and placing infront of millions of people!

  Joe Kendall, Broker Associate with Sandals Realty Delivers Maximum Exposure and brings over 13 years of Experience and Knowledge to Every Transaction !

 Your Home is entered into the largest mutable Listing Services in South Florida.

 (1) Sunshine MLS Service * Covers from Bonita Springs South to Marco Island

 (2) Rapatoni MLS Service * Covers from Bonita Springs north to Charlotte County including Sanibel Island

 (3) Greater Miami Board of Realtors MLS* Covers all of the east coast of South Florida including Miami Beach and South Beach.

Your Home is marketed daily on all the public websites & all the major search engines related to real estate.

            Level One Social Media Marketing                             Level Two Social Media Marketing

I develop and execute a complete business plan for YOUR HOME ! I have a lot more to my presentation, but I can't share it online because all my competition is watching !

Call me today and let's talk about what I will do to sell your home. 

 I look forward to meeting You!

"Broker Joe" Joe Kendall, Broker Associate with Sandals Realty.

Before you buy a condo for sale located in the cities of Fort Myers, Estero, Naples and Cape Coral, many of southwest Florida properties are located in deed restricted communities. The reason for this post is to help you the home buyer to understand the different types of Home ownership in communities.

Home ownerships Associations (HOA) are normally in a gated community with golf and tennis. Gated communities are normally deed restricted, these is mostly desired by a home buyer looking for conformity in a community. it's always best to work with a real estate professional that can sort all this out for you the restrictions and explain them in detail to you of each community you visit.

Deed Restricted Community (DRC)

A DRC means it's a set of rules that runs with the land and you must abide by them. Meaning size/type of home, architectural style, vehicles restrictions (no commercial )  parking restrictions, boat dock, storage ,usage or ramp if any and items similar to recreational use and these are normally managed by the association and reviewed yearly. 

Various Association Types Defined

Condominium Association (Condo) - When you own a condo it's typically located in a building with several other units and home owners. Condo ownership everyone shares in the ownership of the common areas The common areas, for example, include the structure of your particular unit, each building, club house and pool !

All owners of a condo are members of the condo association and pay a condo association fees. The fee typically includes money for repair and maintenance, ( reserves for major capital expenditures!  very important and not all associations do this !), structure of the building and liability insurance for the common areas of the complete development.

The condo owner purchases (condo-owner's content insurance ) The cost for these is typically very low especially when compared to a homeowner's policy. When comparing monthly costs be sure include the cost for insurance plus the condo fee.

Home Owners Association (HOA) - is formed to manage a group of single family homes. HOA fees are levied to run the corporation and pay for items like common area maintenance, capital maintenance (e.g. club house or pool), The fees can include the exterior maintenance of lawns and landscaped areas.

Master Homeowners Association (Master HOA) - Master  Owners Association as the corporation formed will usually own, through deed, property that is common to a development where there are one or more HOAs and/or condos. 

it's always wise to work with a real estate professional when visiting these types of ownerships so you understand all the lifestyle arrangements in place in the different communities.

Joe Kendall Associate Broker with Sandals Realty writes about foreclosure help and documents required for a bank short sale.

I just want to go over what is in a bank package of requirements. I can not speak for every bank and they all are a little bit different, but I would like to give you the most common documents that are request from the home owner by the banks.

 (1)  Hardship letter,  Explanation of the owner hardship requesting for assistance with approving the short sale.

 (2) Supporting Documentation, any letter, or form to support your current hardship.

 (3) Financial Statement, Form is sent to you from the bank to be filled out, signed and dated.

 (4) Federal Income tax returns, Copy of the last two years with W-2"s

 (5) Bank Statements Your last three months bank statements, Paycheck stubs,  copy of your last three  Disability* Unemployment * Retirement copy of any benefits applied for or receiving.

 (6) Listings agreement , copy of signed listing agreement, Purchase Contract, Copy of Accepted Offer, Net Sheet detailed Hud 1 statement of all lined expenses to closing, copy of the Marketing efforts, The bank needs copy's of the marketing done by the listing agent. I also provide the bank a report sold showing property sold by competing banks where they received less money then the sellers current offer. ( I will explain this in detail to you )

 This is the basic information the bank will request from you and your Realtor before they will give any reply on any purchase contract. I have several other forms, local real estate information documentation I use to help my clients as a Seller or a Buyer in getting the banks and mortgage companies to accept my deals.

 Call or mail me today, Lets talk, If a I can not help you?  I will tell you, you will always get straight talk from me!  Let my years of experience work for you!

I look forward to working with you !