S.W. Florida Broker Joe

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

 * FREE Bank Short Sale advice Port charlotte, Punta Gorda Southwest Florida. I have succeefully closed several bank short sales !

              

Joe Kendall, Realtor with Sandals Realty a Waterfront , Foreclosure and Bank Short Sale Specialist writes,  I help a lot of people avoid foreclosure.

  I get a lot of questions and listen to statements from people owning homes here in the Port Charlotte- Punta Gorda and Cape Coral area located in southwest Florida. Here are a few examples of calls I received over the last few weeks. 

(1) I have tried talking to my Lender, but they are saying there is nothing they will do, other then ask me when will I be making my next mortgage payment? What's 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 80% of the home owners trying to do a Loan Modification end up avoiding Foreclosure or by closing on a the Short Sale. But I will make one thing very clear to you the Banks would rather do a short sale then spend money on foreclosure hearings and bid on the property again at the court house steps against hundreds of online investors.

 I am a good listener and I will try to help you if I can. You may be able to avoid Foreclosure and help you sell your home as a Short Sale.

I have successfully closed short sales with Bank Of America, Chase, Wells Fargo, cit ti Bank , Litton Loan services, GMAC, Capital Bank and many more.

Charlotte County Short Sale Expert | HAFA Cash at Closing s | Bank of America Chase Bank. Talk to Broker Joe with Sandals Realty Phone 239-560-0726

 

 

Port Charlotte Florida. was you Loan Modification denied by your lender? Are you facing a possible foreclosure situation? I can help you avoid foreclosure !

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

 

 

 

Co-Borrower’s Signature

Port Charlotte short sale expert. Experience in Hafa short sales and cash at closing with Chase and Bank of America.

Joe Kendall Broker Associate with Sandals Realty writes, waterfront pool homes located in Cape Coral Florida are a tremendous buy then in must ares along the gulf coast of Florida. The foreclosure have rolled back prices back to almost 10 year levels.

Cape Coral / Port Charlotte area features hundreds of gulf access waterfront propert as well as severl miles of fresh water property as well. You can purchase your waterfront property starting from 150,000 on up !

Search thousands of waterfront homes from my website by clicking here

I look forward to working with you.

Joe Kendall, Broker Associate Sandals RealtyWaterfront & Foreclosure SpecialistPhone 239-560-0726 Fax 239-236-0422Discover Southwest Florida www.ViewSwFlorida.comSearch Homes in Southwest Florida www.JoeKendall.listingbook.comRead Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

 

 

Cape Coral * Port Charlotte Florida * Disappearing edge pool down the canal ! What a view !

 

 

Joe Kendall Broker Associate with Sandals Realty writes, now is the time to take advantage of the Bank waterfront foreclosures in the Cape Coral, Port Charlotee area in southwest Florida. The varity and the locations are almost endless ! You can be ejoying the cold winter months in your very own tropical waterfront paradise ! Now is the time while the current real estate market is being driven by bank short sales and bank owned property.

You can sign up for a free account nad search hundreds of Foreclosures and bank short sales from my website by just clicking here.

I look forward to working with you in finding your very own piece of Paradise !

Best regards

Joe Kendall, Broker Associate 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 , Port Charlotte Florida, Boaters Real Estate "The  Gulf Access Waterfront Lifestyle " 

Bank Owned* Foreclosures * Bank Short Sales!

 

Joe Kendall Broker Associate  with Sandals Realty a Waterfront, Foreclosure and Bank Short Sale Specialist writes gulf access waterfront homes from $150,000 to $300,000 inventory in Cape Coral and Port charlotte Florida has been slowly decreasing over the last few months. Now is the time to buy your "Piece of Paradise" you can call your own !. You can earch the local MLS service by clicking here  you will find a complete list with single family homes with picturesand all the detail information that I use to help people buy property everyday here in southwest Florida

 

 Your prime waterfront location is waiting for you! If a gulf access waterfront home is in your future? Let Joe's experience on and off water work for you! Call or email Joe today!

 

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

 

 

My Name is Joe Kendall, Associate broker with Sandals Realty in sunny Fort Myers Florida. I have over 10 years of experience. I specialize in Waterfront, Foreclosure and Bank Short Sale property. Everyday is an adventure in southwest Florida and I look forward to each and every challenge each day brings in helping my clients get their best price and terms.

If your a Seller I will market your home with maxium expoure on the internet to reach all posible home buyers across the United States and accorss the globe to people looking to buy a Vacation or an investment home in Sunny Florida.

The home buying process can become a pretty stressed out, crazy  and a nervous experience for home buyers if they have not bought a home recent in this new era of the mortgage crunch and especially in our foreclosure /bank owed foreclosure market where banks try and control the selling process all the way to the closing table.

Let me just say, I take care of all details with dealing with the banks and their every little detail and their paperwork. I become the home buyers information center and their support through out the entire process. My clients fully understand and appreciate that I never let them pay to much for the property. If your a Seller clients fully understand, I work at a position of strength in getting them the highest possible price the market will bring to them.

My name is Joe Kendall, Broker Associate with Sandals Realty in Fort Myers Florida I work with a Company that has over 300 Realtors working with Sandals Realty and we have offices along the west coast of Florida and are members of the Realtor Associations located in Orlando, Sarasota, Fort Myers, Cape Coral Port Charlotte and Bonita Springs Florida we have your covered with exposure to thousands of Realtors across Florida ! 

If you come accross anyone that are looking for a real estate broker who might like the way I do business? operatein the need of my services? Please pass along my contact information. I would be very greatful. Have yourself a great day ! 

Joe Kendall, Broker Associate 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

 

Now is the time to buy a Waterfront Foreclosure !

Port Charlotte Punta Gorda Real Estate written by Joe Kendall Broker Associate with Sandals Realty Waterfront and Foreclosure Specialist. When looking to buy waterfront property here in Port Charlotte, Cape Coral, Fort Myers Florida and thru-out southwest Florida.There are some things to cconsider besides the home your searching to buy. There are several "points of interest" you should review before making a decision on a waterfront home. Here are a few good points to consider. 

 

 Always do a visual inspection of the seawall. Look for stress cracks, grumbled concrete, rain water should be draining over the seawall edge to the canal not behind the wall where the yard and see wall meet.

Repairing or even replacing a seawall can be very costly. If there are signs of damage you mat want to have the seawall inspected by a marine contractor?

  I can give you a good idea of what can be done to fix or repair the problem. ( I live on water as well here and I have general repairs that have to be done to maintain your property.

 

 

 

 If there is a boat lift? Test the lift and review the conditions of the decking and pilings. You can tell if pilings and boards are loose and in need of repair.

 We have lots of waterways here in southwest Florida. You need to know what the canal depth is at low tide? How is the navigational route to Open Water? How long of boat ride to The river or open water? Any Bridges? Clearance height for your boat at high tide?  I know all the bridge locations and the height at high and low tide. 

 What is the elevation rating on the property in regards to Flood Insurance? You should always get three quotes on home owners insurance. ( I will help you with getting insurance quotes.               

 

 

If the property dose not have a dock? What are the chances to have one built? What restrictions would there be? Again a Marine contractor can give you and estimate and let you know the cost and restrictions on building a dock on a location you might have some interest.  ( I have contacts of the best people in the industry )

Buying waterfront property is a very rewarding adventure! You just have to take a few more steps in the process, Do a little more home work and you will be very pleased when it's all said and done! Now is the time to buy your Waterfront Property ! The prices are very good, the selection and

locations have  never been better! Be sure to work with a Waterfront Specialist !

 

 Search thousands of waterfront properties from the local mls at Here

 I look forward to working with you!

Joe Kendall, Broker Associate Sandals Realty
Waterfront & Foreclosure Specialist
Phone 239-560-0726 Fax 239-236-0422
Search Homes in Southwest Florida www.JoeKendall.listingbook.com
Read Joe's Real Estate Blog www.SwFloridaRealtorsBlog.com

 

The start of another day with an outstanding sunrise in Cape Coral Florida. The land of opportunity for home buyers looking to cash in on a real estate deal of a life time ! The foreclosure market in southwest Florida has brought home prices down to 10 year ago levels before the real estate boom of 2003 to 2005. People around the country and looking to cash in on their retirement home of the future now while prices are at the bottom of the real estate market.

There has never been a better time to buy a waterfront home in southwest Florida located  in cities of Fort Myers, Cape Coral and Port Charlotte.  You to can wake up every morning to a sunrise of sun set just like this one. This picture was taken from my neighbors home, located on Bayshore Drive in Cape Coral Florida.

Please call or eial me today for a complete list of waterfront Foreclosure property in Cape Coral, Fort Myers or Port Charlotte . My Team of Realtors are here to help you achieve your goals and your dreams ! You can own your very own piece of paradise ! Come Join me in Paradise !

I look forward to talking to you.

Joe Kendall, Broker Associate Sandals Realty

 

  

Port Charlotte reale state services written by Joe Kendall Broker Associate  with Sandals Realty.I remember when I was working as a Realtor at Apple Mountain Gmac Real estate located in Saginaw Michigan in the late 90's and we did a lot of General Motors relocation in and out of the Mid Michigan Area. 

I have been spending some time lately watching and followings the General Motors Bankruptcy and watching to see how all this will shake out. My father retired at 35 years at general motors, I truly understand the impact this will have on many people that live through out the state of Michigan, it will effect the current employees, and the all the retired employees as well. I know many people may look to move to a warmer climate, start a new career or take the retirement money and retire to maybe a place in Florida?

I would like to offer my services to my friends back in Michigan specially all the General Motors Employees looking to relocated to Port Charlotte , Cape Coral in Southwest Florida.If you are thinking about moving to southwest Florida? Maybe you already have a Realtor your working with in Michigan to sell your home?

I would me more then happy to work with your current Realtor in getting you moved here after your home sells to Southwest Florida. I am experienced in relocation and help people daliy move to Florida from many places in the country and some even world wide.

I would like to offer you free access to all the homes and condos for sale in southwest Florida from my web site just click on "Joe knows Southwest Florida Real Estate "

 

My team will exceed your expectations ! 

I look forward to working with you!

Joe Kendall, Broker Associate 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