Homeowner sues for being denied loan mod
DETROIT – Aug. 19, 2011 – Homeowner Kim Orsi is taking her battle against two lenders to court after being denied a loan modification – a possible sign of more such lawsuits to come.
Orsi, a hair stylist, told the Detroit-Free Press that after getting a divorce last year she was no longer able to afford her mortgage, so she contacted lenders to apply for the Home Affordable Modification Program (HAMP), a government program that provides foreclosure-prevention initiatives. Orsi says her lender, Bank of America, told her to stop making mortgage payments before she could qualify for the program. She stopped making mortgage payments and also started a pet-sitting business on the side to pay off her debts and make more money.
She says Bank of America later approved her for finally qualifying for HAMP, but a letter she received in the mail shortly after said she was denied a loan modification because she made too much money.
Orsi has sued Bank of America and Fannie Mae; the former says the latter denied the loan modification. Her foreclosure has been delayed as her case remains in court, and she says the incorrect information she received to stop paying her mortgage has now hurt her credit.
“I don’t want people to feel sorry for me,” Orsi told the Detroit-Free Press. “I want them to be angry because the banks can deny you a modification, even if you qualify.”
Earlier this year, a group of homeowners across California were denied permanent loan modifications and are also fighting back against banks, suing lenders after they were denied for taking part in HAMP.
Source: “Home Owner Sues: Income was Too Much–and Too Little,” Detroit-Free Press (Aug. 16, 2011)
© Copyright 2011 INFORMATION, INC.
Friday, August 19, 2011
Rate on 30-year mortgage
'Rate on 30-year mortgage falls to lowest on record'
WASHINGTON – Aug. 19, 2011 – The average rate on a 30-year fixed mortgage has fallen to its lowest level on records dating to 1971.
The rate on the most popular mortgage dipped to 4.15 percent from 4.32 percent a week ago, Freddie Mac said Thursday. Its previous low of 4.17 percent was reached in November.
The last time long-term rates were lower was in the 1950s, when 30-year loans weren’t widely available. Most long-term home loans lasted 20 or 25 years.
Few expect record-low rates to energize the depressed home market. Over the past year, the average rate on the 30-year fixed mortgage has been below 5 percent for all but two weeks. Yet prices and sales remain unhealthy and are holding back the overall economy.
Five years ago, the average 30-year fixed rate was near 6.5 percent. In 2000, it exceeded 8 percent.
Most homeowners are paying rates more than a full percentage point higher than the current average. The average rate on all outstanding mortgages is 5.3 percent, Freddie Mac said, citing data from the Bureau of Economic Analysis.
After previous recessions, housing accounted for 15 percent to 20 percent of overall economic growth. This time, in 2009 and 2010, housing contributed just 4 percent to the economy.
“The housing market is not going to turn around because of this, because it isn’t the mortgage rate that matters,” said Joel Naroff, head of Naroff Economic Advisors. Naroff blamed the “horrendous” process of qualifying for a mortgage despite tougher lending standards. He said trying to sell a home in many markets is just as difficult.
Many would-be buyers can’t take advantage of the low rates. The unemployment rate is 9.1 percent, few Americans are getting raises and many are struggling to shrink their debt loads.
Banks are also insisting on higher credit scores and larger downpayments for first-time buyers. Many repeat buyers have too little equity invested in their homes to qualify for loans. Others are too nervous about the economy or their job security to invest in a home.
The average rate on a 15-year fixed mortgage, which is popular for refinancing, fell to 3.36 percent, also a record low. It’s the third straight week of record lows for the popular refinancing option. Freddie Mac’s records date to 1991, but analysts believe the new low on the 15-year mortgage is the lowest ever.
Borrowers who qualify have rushed to refinance and take advantage of the low rates. Refinancing accounted for 70 percent of mortgage applications in the first half of the year, Freddie Mac said. Refinancings tend to provide less benefit to the economy than home purchases do.
Mortgage rates typically track the yield on the 10-year Treasury note. Economic fears have drawn investors to the safety of Treasurys, driving down the yield on the 10-year note to barely above 2 percent. That helped lower mortgage rates.
The Federal Reserve offered a dim outlook of the economy last week, saying it expects growth will stay weak for two more years. As a result, the Fed said it expects to keep short-term rates near zero through mid-2013.
Roughly 14 million Americans remain unemployed. And the economy isn’t creating enough jobs to rapidly trim that figure. The economy grew at an annual rate of just 0.8 percent in the first six months of this year, the slowest such pace since the recession officially ended more than two years ago. In June, consumers cut spending for the first time in 20 months.
Fewer Americans bought previously occupied homes in July for the third time in four months, the National Association of Realtors said Thursday in a separate report. It said sales fell 3.5 percent last month to a seasonally adjusted annual rate of 4.67 million homes. That’s far below the 6 million that economists say must be sold to sustain a healthy housing market.
To calculate average mortgage rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.
The average rate on a five-year adjustable-rate mortgage fell to 3.08 percent, its lowest level on records dating to January 2005. Last week’s reading of 3.13 percent also was a record low. The week before was, too.
The average for one-year adjustable-rate loans fell to 2.86 percent, the lowest on records going back to 1984. Last week’s average of 2.89 also set a record.
The rates do not include extra fees known as points. One point is equal to 1 percent of the total loan amount.
The Associated Press. All rights reserved.
WASHINGTON – Aug. 19, 2011 – The average rate on a 30-year fixed mortgage has fallen to its lowest level on records dating to 1971.
The rate on the most popular mortgage dipped to 4.15 percent from 4.32 percent a week ago, Freddie Mac said Thursday. Its previous low of 4.17 percent was reached in November.
The last time long-term rates were lower was in the 1950s, when 30-year loans weren’t widely available. Most long-term home loans lasted 20 or 25 years.
Few expect record-low rates to energize the depressed home market. Over the past year, the average rate on the 30-year fixed mortgage has been below 5 percent for all but two weeks. Yet prices and sales remain unhealthy and are holding back the overall economy.
Five years ago, the average 30-year fixed rate was near 6.5 percent. In 2000, it exceeded 8 percent.
Most homeowners are paying rates more than a full percentage point higher than the current average. The average rate on all outstanding mortgages is 5.3 percent, Freddie Mac said, citing data from the Bureau of Economic Analysis.
After previous recessions, housing accounted for 15 percent to 20 percent of overall economic growth. This time, in 2009 and 2010, housing contributed just 4 percent to the economy.
“The housing market is not going to turn around because of this, because it isn’t the mortgage rate that matters,” said Joel Naroff, head of Naroff Economic Advisors. Naroff blamed the “horrendous” process of qualifying for a mortgage despite tougher lending standards. He said trying to sell a home in many markets is just as difficult.
Many would-be buyers can’t take advantage of the low rates. The unemployment rate is 9.1 percent, few Americans are getting raises and many are struggling to shrink their debt loads.
Banks are also insisting on higher credit scores and larger downpayments for first-time buyers. Many repeat buyers have too little equity invested in their homes to qualify for loans. Others are too nervous about the economy or their job security to invest in a home.
The average rate on a 15-year fixed mortgage, which is popular for refinancing, fell to 3.36 percent, also a record low. It’s the third straight week of record lows for the popular refinancing option. Freddie Mac’s records date to 1991, but analysts believe the new low on the 15-year mortgage is the lowest ever.
Borrowers who qualify have rushed to refinance and take advantage of the low rates. Refinancing accounted for 70 percent of mortgage applications in the first half of the year, Freddie Mac said. Refinancings tend to provide less benefit to the economy than home purchases do.
Mortgage rates typically track the yield on the 10-year Treasury note. Economic fears have drawn investors to the safety of Treasurys, driving down the yield on the 10-year note to barely above 2 percent. That helped lower mortgage rates.
The Federal Reserve offered a dim outlook of the economy last week, saying it expects growth will stay weak for two more years. As a result, the Fed said it expects to keep short-term rates near zero through mid-2013.
Roughly 14 million Americans remain unemployed. And the economy isn’t creating enough jobs to rapidly trim that figure. The economy grew at an annual rate of just 0.8 percent in the first six months of this year, the slowest such pace since the recession officially ended more than two years ago. In June, consumers cut spending for the first time in 20 months.
Fewer Americans bought previously occupied homes in July for the third time in four months, the National Association of Realtors said Thursday in a separate report. It said sales fell 3.5 percent last month to a seasonally adjusted annual rate of 4.67 million homes. That’s far below the 6 million that economists say must be sold to sustain a healthy housing market.
To calculate average mortgage rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.
The average rate on a five-year adjustable-rate mortgage fell to 3.08 percent, its lowest level on records dating to January 2005. Last week’s reading of 3.13 percent also was a record low. The week before was, too.
The average for one-year adjustable-rate loans fell to 2.86 percent, the lowest on records going back to 1984. Last week’s average of 2.89 also set a record.
The rates do not include extra fees known as points. One point is equal to 1 percent of the total loan amount.
The Associated Press. All rights reserved.
Tuesday, August 16, 2011
Sunday, August 14, 2011
SUMMER CAPE CORAL HOME SALES SIZZLE
Summer is historically our ‘slowest’ time of the year for Cape Coral real estate sales so if you are looking to make a home purchase in SW Florida come on down this summer and see what we have to offer.
Come fall (our typical busy season) we will see more price and inventory adjustments here in the Cape Coral real estate market.
There are so many different unique opportunities right now for buyers of Cape Coral real estate.
Some experts warn that this ‘new’ news may leave Cape Coral home sellers confused about pricing. I’m sure it will confuse some of the sellers in Cape Coral. That is why it is the best idea for Cape Coral sellers to consult with a reliable and honest real estate professional who specializes in Cape Coral real estate.
Considering selling your home or property in Cape Coral? Contact us at The Mary Neilson Team to find out if now is the best time for you to sell your Cape Coral real estate. We market our listings internationally & have a solid reputation for selling houses in and around Cape Coral, Florida.
Don't 'Make a Move' before calling on The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
Come fall (our typical busy season) we will see more price and inventory adjustments here in the Cape Coral real estate market.
There are so many different unique opportunities right now for buyers of Cape Coral real estate.
Some experts warn that this ‘new’ news may leave Cape Coral home sellers confused about pricing. I’m sure it will confuse some of the sellers in Cape Coral. That is why it is the best idea for Cape Coral sellers to consult with a reliable and honest real estate professional who specializes in Cape Coral real estate.
Considering selling your home or property in Cape Coral? Contact us at The Mary Neilson Team to find out if now is the best time for you to sell your Cape Coral real estate. We market our listings internationally & have a solid reputation for selling houses in and around Cape Coral, Florida.
Don't 'Make a Move' before calling on The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
CHOOSING THE RIGHT REALTOR
All Real Estate agents are not created equal . . . The service they offer and their abilities vary dramatically even within the same office.
Choosing the Right Salesperson is critical after you decide to sell and/or buy a home. Your choice can cost or save you thousands of dollars.
Wherever you look, salespeople present themselves as #1, Top Producers or Area Specialists. They present slick slogans, glamour photos, awards won and other irrelevant information. Most buyers and sellers want to know is “what is in it for them”.
We offer you a free comparative market analysis and useful information to help you sort through the maze. It will help you decide whether to choose a friend, a family member, an area expert or a Top Producer.
Be sure to ask for a checklist of services and guarantees you should expect to get when you Buy a Home or Sell a Home.
Save yourself aggravation, avoid problems and put more money in your pocket.
Don't 'Make a Move' before calling on The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
Choosing the Right Salesperson is critical after you decide to sell and/or buy a home. Your choice can cost or save you thousands of dollars.
Wherever you look, salespeople present themselves as #1, Top Producers or Area Specialists. They present slick slogans, glamour photos, awards won and other irrelevant information. Most buyers and sellers want to know is “what is in it for them”.
We offer you a free comparative market analysis and useful information to help you sort through the maze. It will help you decide whether to choose a friend, a family member, an area expert or a Top Producer.
Be sure to ask for a checklist of services and guarantees you should expect to get when you Buy a Home or Sell a Home.
Save yourself aggravation, avoid problems and put more money in your pocket.
Don't 'Make a Move' before calling on The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
CAPE CORAL REAL ESTATE SELLER STAGING
Staging your house for sale . . . is the new buzz phrase in real estate.
Most experienced salespeople have been helping sellers stage their homes to sell for years . . . we call it preparing your home to show its best. We feel a real estate salesperson who works with buyers and sellers everyday selling homes knows more about preparing a home for sale than a home than a home stager who does not and in many cases never sold a home.
Some agents do not have the experience to tell a seller how to prepare a home for sale or are uncomfortable telling sellers to clean, paint, fix deodorize un clutter etc. so they get someone else to do the job. Some agents offer service to look “up-to-date” with new selling techniques.
One of an agent’s toughest jobs is to be totally up front with a Seller. If they are hesitant to tell the seller what has to be done to get the best price and terms, how will they be up front with other things sellers don’t like to hear like the realistic market value of their home or that the asking price has to be lowered.
Call on the Team you can trust, Call on The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
Most experienced salespeople have been helping sellers stage their homes to sell for years . . . we call it preparing your home to show its best. We feel a real estate salesperson who works with buyers and sellers everyday selling homes knows more about preparing a home for sale than a home than a home stager who does not and in many cases never sold a home.
Some agents do not have the experience to tell a seller how to prepare a home for sale or are uncomfortable telling sellers to clean, paint, fix deodorize un clutter etc. so they get someone else to do the job. Some agents offer service to look “up-to-date” with new selling techniques.
One of an agent’s toughest jobs is to be totally up front with a Seller. If they are hesitant to tell the seller what has to be done to get the best price and terms, how will they be up front with other things sellers don’t like to hear like the realistic market value of their home or that the asking price has to be lowered.
Call on the Team you can trust, Call on The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
REAL ESTATE TEAM APPROACH
Team Approach to Better Serve You
Most real estate salespeople still work with clients the way they did 25 years ago. I know because I was there.
Most do everything themselves. They are the secretary/assistant, the marketing person, the salesperson, the computer person, the internet person, the run-around person, the receptionist, the buyer expert, the seller expert, the condominium expert, the cleaning person and even the handyman actually doing repairs.
Would you feel confident if your lawyer, doctor, dentist or accountant performed all the tasks in the course of their business?
I believe most salespeople are hardworking and well-meaning. Today many things are different. The business is far more complex, rules and regulations have changed a lot and technology has changed dramatically. In addition, buyers and sellers are far more knowledgeable.
Our solution is a team of licensed realtors. They are involved in every transaction enabling us to offer consistent service no matter who is away or busy with other clients.
This system also allows my team to focus on what they do best. Our system of procedures and checklists offer less chance of anything being overlooked, resulting in the best possible service to you.
My licensed team is well experienced and includes buyer agents, listing agents, condominium experts and people versed in the needs of both first time buyers and seniors. Whatever your situation, we can help.
You may be asking if it costs more to offer you this kind of service. The answer is no…
Why pay for one licensed salesperson when you can have a team? The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
Most real estate salespeople still work with clients the way they did 25 years ago. I know because I was there.
Most do everything themselves. They are the secretary/assistant, the marketing person, the salesperson, the computer person, the internet person, the run-around person, the receptionist, the buyer expert, the seller expert, the condominium expert, the cleaning person and even the handyman actually doing repairs.
Would you feel confident if your lawyer, doctor, dentist or accountant performed all the tasks in the course of their business?
I believe most salespeople are hardworking and well-meaning. Today many things are different. The business is far more complex, rules and regulations have changed a lot and technology has changed dramatically. In addition, buyers and sellers are far more knowledgeable.
Our solution is a team of licensed realtors. They are involved in every transaction enabling us to offer consistent service no matter who is away or busy with other clients.
This system also allows my team to focus on what they do best. Our system of procedures and checklists offer less chance of anything being overlooked, resulting in the best possible service to you.
My licensed team is well experienced and includes buyer agents, listing agents, condominium experts and people versed in the needs of both first time buyers and seniors. Whatever your situation, we can help.
You may be asking if it costs more to offer you this kind of service. The answer is no…
Why pay for one licensed salesperson when you can have a team? The Mary Neilson Team
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
RECEIVE HOT NEW LISTINGS IN CAPE CORAL
If you are looking to buy and want to make sure you receive all the new MLS listings of homes as they come on the market . . . this is the program for you.
You will receive all the new listings of homes in the areas and price range you are interested in as they appear on the market for sale or the price adjusted to fit your budget.
We will sort them, if you wish, by type, style, number of bedrooms, bathrooms and by other criteria important to you.
You will receive the all pertinent information on the property along with color pictures.
Call or email to be set up on your Free, No Obligation, Personalized "Client Portal'.
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
You will receive all the new listings of homes in the areas and price range you are interested in as they appear on the market for sale or the price adjusted to fit your budget.
We will sort them, if you wish, by type, style, number of bedrooms, bathrooms and by other criteria important to you.
You will receive the all pertinent information on the property along with color pictures.
Call or email to be set up on your Free, No Obligation, Personalized "Client Portal'.
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
FLORIDA GATED COMMUNITIES
The popularity of living in gated, or private communities has been rising in recent years. It used to be that gated communities were thought of as being only for the rich. But today they are becoming more and more popular with middle and upper middle class families. Security is usually given as the biggest reason for choosing to live in a gated community. Among the other reasons people are attracted to living in these communities are protecting property values and lifestyle.Many gated communities are designed with amenities built around a particular lifestyle, with golf courses, tennis, swimming pools, or equestrian facilities.Gated communities are usually located on some of the most desirable land in the area. Prime land, combined with careful planning and HOA rules create an environment where home values hold up extremely well.
Aside from the gates or walls, the second most defining characteristic of gated or private communities is the Homeowner’s Association (HOA). The HOA is made up of all the owners of the development. The HOA is responsible for collection of the Association fees and making and enforcing the “rules” of the community. It is often also responsible for maintaining the public aspects of the community, such as streets, security, parks, etc.
The rules set by the HOA can vary a great deal, depending on the individual development. Typically the HOA will have rules pertaining to upkeep and appearance of homes within the development, specifying the colors of paint on outside walls, types of fencing, guidelines for landscaping and storage of boats or recreational vehicles.
Gated communities aren't for everyone. But with strong protection of property values, increased security, less traffic and amenities for your specific lifestyle, they are appealing to more people each year.
Southwest Florida offers an abundance of gated communities with several to fit your needs. Call or email us today for a list of single family homes, condos or townhomes.
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
Aside from the gates or walls, the second most defining characteristic of gated or private communities is the Homeowner’s Association (HOA). The HOA is made up of all the owners of the development. The HOA is responsible for collection of the Association fees and making and enforcing the “rules” of the community. It is often also responsible for maintaining the public aspects of the community, such as streets, security, parks, etc.
The rules set by the HOA can vary a great deal, depending on the individual development. Typically the HOA will have rules pertaining to upkeep and appearance of homes within the development, specifying the colors of paint on outside walls, types of fencing, guidelines for landscaping and storage of boats or recreational vehicles.
Gated communities aren't for everyone. But with strong protection of property values, increased security, less traffic and amenities for your specific lifestyle, they are appealing to more people each year.
Southwest Florida offers an abundance of gated communities with several to fit your needs. Call or email us today for a list of single family homes, condos or townhomes.
This site is about and The Mary Neilson Team serves; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
FORT MYERS FORECLOSURES
Fort Myers FORECLOSURES for sale -- Cape Coral FORECLOSURES for sale.
Contact us for a current list of up to date foreclosed homes in Cape Coral, Fort Myers and all of Lee and Collier County
Buying bank owned properties " Foreclosures "
Whats an REO?
REO stands for Real Estate Owned. These are properties that have gone through foreclosure and are now owned by the bank or mortgage company. There have been many Foreclosed homes for sale cape coral.
This is not the same as a property up for foreclosure auction. You'll receive the property 100% as is. That could include existing liens and even current occupants that need to be evicted. A REO, by contrast, is a much cleaner and attractive transaction. The REO property did not find a buyer during foreclosure auction. The bank now owns it. The bank will see to the removal of tax liens, evict occupants if needed and generally prepare for the issuance of a title insurance policy to the buyer at closing. Do be aware that REOs may be exempt from normal disclosure requirements. In Florida & California, for example, banks are exempt from giving a Transfer Disclosure Statement, a document that normally requires sellers to tell you about any defects they are aware of.
Is it a bargain?
Its commonly assumed that any REO must be a bargain and an opportunity for easy money. This simply isn't true. You have to be very careful about buying a REO if your intent is to make money off of it. While its true that the bank is typically anxious to sell it quickly, they are also strongly motivated to get as much as they can for it. When considering the value of a REO, you need to look closely at comparable sales in the neighborhood and be sure to take into account the time and cost of any repairs or remodeling needed to prepare the house for resale. The bargains with money making potential exist, and many people do very well buying foreclosures. But there are also many REOs that are not good buys and not likely to turn a profit. Many with code violations or other serious problems may end up in an auction. There you must be extremely careful.
How to buy a foreclosed home.
1. NEVER pay for a list of Cape Coral foreclosures or a list of Fort Myers Foreclosures. Foreclosures are listed in MLS and REALTOR available.
2. Decide which property type you are looking for, determine your budget and call us.
3. Have your check of at least 2K (Min 10% for cash) in a money order not a check due to clearance time. Have it made out to any local title company or ask the agent.
4. Have proof of cash in writing for the balance to close.
5. Getting loan? Have a pre-qualification letter done right. Should have the maximum amount you are qualified for, interest rate, date (Letter should be no older than 3 months). Have the lender state the highest amount you are qualified for. Show strength to buy Cape Coral Foreclosures and Fort Myers Foreclosures.
This site is about Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
Contact us for a current list of up to date foreclosed homes in Cape Coral, Fort Myers and all of Lee and Collier County
Buying bank owned properties " Foreclosures "
Whats an REO?
REO stands for Real Estate Owned. These are properties that have gone through foreclosure and are now owned by the bank or mortgage company. There have been many Foreclosed homes for sale cape coral.
This is not the same as a property up for foreclosure auction. You'll receive the property 100% as is. That could include existing liens and even current occupants that need to be evicted. A REO, by contrast, is a much cleaner and attractive transaction. The REO property did not find a buyer during foreclosure auction. The bank now owns it. The bank will see to the removal of tax liens, evict occupants if needed and generally prepare for the issuance of a title insurance policy to the buyer at closing. Do be aware that REOs may be exempt from normal disclosure requirements. In Florida & California, for example, banks are exempt from giving a Transfer Disclosure Statement, a document that normally requires sellers to tell you about any defects they are aware of.
Is it a bargain?
Its commonly assumed that any REO must be a bargain and an opportunity for easy money. This simply isn't true. You have to be very careful about buying a REO if your intent is to make money off of it. While its true that the bank is typically anxious to sell it quickly, they are also strongly motivated to get as much as they can for it. When considering the value of a REO, you need to look closely at comparable sales in the neighborhood and be sure to take into account the time and cost of any repairs or remodeling needed to prepare the house for resale. The bargains with money making potential exist, and many people do very well buying foreclosures. But there are also many REOs that are not good buys and not likely to turn a profit. Many with code violations or other serious problems may end up in an auction. There you must be extremely careful.
How to buy a foreclosed home.
1. NEVER pay for a list of Cape Coral foreclosures or a list of Fort Myers Foreclosures. Foreclosures are listed in MLS and REALTOR available.
2. Decide which property type you are looking for, determine your budget and call us.
3. Have your check of at least 2K (Min 10% for cash) in a money order not a check due to clearance time. Have it made out to any local title company or ask the agent.
4. Have proof of cash in writing for the balance to close.
5. Getting loan? Have a pre-qualification letter done right. Should have the maximum amount you are qualified for, interest rate, date (Letter should be no older than 3 months). Have the lender state the highest amount you are qualified for. Show strength to buy Cape Coral Foreclosures and Fort Myers Foreclosures.
This site is about Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate, Bokeelia Homes For Sale
FORT MYERS BUYER VIP TREATMENT
THE MARY NEILSON TEAM VIP PROMISE
When buying houses in Fort Myers Florida
1. Provide Hotel Information (discounts possible)
2. Provide Rental Car Information (discounts possible).
3. Office Consultation
4. Provide A Selection Of Lenders and Mortgage Originators
5. Provide a Map
6. Drive Buyers To Showings
7. Provide Client MLS sheets and clipboard
8. Provide Area Specific Information and Issues
9. Take additional photos of your 'chosen' property
10. Provide the utmost in care while writing and submitting your offer.
11. Provide a selection of Home Inspectors
12. Provide a list of important local contact information, utility companies and others.
13. Stay in contact through the closing process.
14. Attend the Closing (If held locally)
15. Provide follow up care and answers.
To us, every buyer, regardless of budget, is a 'Very Important Person'. Call or email us today and we will prove it to you.
This site is about; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
When buying houses in Fort Myers Florida
1. Provide Hotel Information (discounts possible)
2. Provide Rental Car Information (discounts possible).
3. Office Consultation
4. Provide A Selection Of Lenders and Mortgage Originators
5. Provide a Map
6. Drive Buyers To Showings
7. Provide Client MLS sheets and clipboard
8. Provide Area Specific Information and Issues
9. Take additional photos of your 'chosen' property
10. Provide the utmost in care while writing and submitting your offer.
11. Provide a selection of Home Inspectors
12. Provide a list of important local contact information, utility companies and others.
13. Stay in contact through the closing process.
14. Attend the Closing (If held locally)
15. Provide follow up care and answers.
To us, every buyer, regardless of budget, is a 'Very Important Person'. Call or email us today and we will prove it to you.
This site is about; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
CAPE CORAL BUYER VIP TREATMENT
THE MARY NEILSON TEAM VIP PROMISE
When buying a house in Cape Coral Florida
1. Provide Hotel Information (discounts possible)
2. Provide Rental Car Information (discounts possible).
3. Office Consultation
4. Provide A Selection Of Lenders and Mortgage Originators
5. Provide a Map
6. Drive Buyers To Showings
7. Provide Client MLS sheets and clipboard
8. Provide Area Specific Information and Issues
9. Take additional photos of your 'chosen' property
10. Provide the utmost in care while writing and submitting your offer.
11. Provide a selection of Home Inspectors
12. Provide a list of important local contact information, utility companies and others.
13. Stay in contact through the closing process.
14. Attend the Closing (If held locally)
15. Provide follow up care and answers.
To us, every buyer, regardless of budget, is a 'Very Important Person'. Call or email us today and we will prove it to you.
This site is about; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
When buying a house in Cape Coral Florida
1. Provide Hotel Information (discounts possible)
2. Provide Rental Car Information (discounts possible).
3. Office Consultation
4. Provide A Selection Of Lenders and Mortgage Originators
5. Provide a Map
6. Drive Buyers To Showings
7. Provide Client MLS sheets and clipboard
8. Provide Area Specific Information and Issues
9. Take additional photos of your 'chosen' property
10. Provide the utmost in care while writing and submitting your offer.
11. Provide a selection of Home Inspectors
12. Provide a list of important local contact information, utility companies and others.
13. Stay in contact through the closing process.
14. Attend the Closing (If held locally)
15. Provide follow up care and answers.
To us, every buyer, regardless of budget, is a 'Very Important Person'. Call or email us today and we will prove it to you.
This site is about; Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
CAPE CORAL FORECLOSURES
Cape Coral FORECLOSURES for sale -- Fort Myers FORECLOSURES for sale.
Contact us for a current list of up to date foreclosed homes in Cape Coral, Fort Myers and all of Lee and Collier County
Buying bank owned properties " Foreclosures "
Whats an REO?
REO stands for Real Estate Owned. These are properties that have gone through foreclosure and are now owned by the bank or mortgage company. There have been many Foreclosed homes for sale cape coral.
This is not the same as a property up for foreclosure auction. You'll receive the property 100% as is. That could include existing liens and even current occupants that need to be evicted. A REO, by contrast, is a much cleaner and attractive transaction. The REO property did not find a buyer during foreclosure auction. The bank now owns it. The bank will see to the removal of tax liens, evict occupants if needed and generally prepare for the issuance of a title insurance policy to the buyer at closing. Do be aware that REOs may be exempt from normal disclosure requirements. In Florida & California, for example, banks are exempt from giving a Transfer Disclosure Statement, a document that normally requires sellers to tell you about any defects they are aware of.
Is it a bargain?
Its commonly assumed that any REO must be a bargain and an opportunity for easy money. This simply isn't true. You have to be very careful about buying a REO if your intent is to make money off of it. While its true that the bank is typically anxious to sell it quickly, they are also strongly motivated to get as much as they can for it. When considering the value of a REO, you need to look closely at comparable sales in the neighborhood and be sure to take into account the time and cost of any repairs or remodeling needed to prepare the house for resale. The bargains with money making potential exist, and many people do very well buying foreclosures. But there are also many REOs that are not good buys and not likely to turn a profit. Many with code violations or other serious problems may end up in an auction. There you must be extremely careful.
How to buy a foreclosed home.
1. NEVER pay for a list of Cape Coral foreclosures or a list of Fort Myers Foreclosures. Foreclosures are listed in MLS and REALTOR available.
2. Decide which property type you are looking for, determine your budget and call us.
3. Have your check of at least 2K (Min 10% for cash) in a money order not a check due to clearance time. Have it made out to any local title company or ask the agent.
4. Have proof of cash in writing for the balance to close.
5. Getting loan? Have a pre-qualification letter done right. Should have the maximum amount you are qualified for, interest rate, date (Letter should be no older than 3 months). Have the lender state the highest amount you are qualified for. Show strength to buy Cape Coral Foreclosures and Fort Myers Foreclosures.
This site is about Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
Contact us for a current list of up to date foreclosed homes in Cape Coral, Fort Myers and all of Lee and Collier County
Buying bank owned properties " Foreclosures "
Whats an REO?
REO stands for Real Estate Owned. These are properties that have gone through foreclosure and are now owned by the bank or mortgage company. There have been many Foreclosed homes for sale cape coral.
This is not the same as a property up for foreclosure auction. You'll receive the property 100% as is. That could include existing liens and even current occupants that need to be evicted. A REO, by contrast, is a much cleaner and attractive transaction. The REO property did not find a buyer during foreclosure auction. The bank now owns it. The bank will see to the removal of tax liens, evict occupants if needed and generally prepare for the issuance of a title insurance policy to the buyer at closing. Do be aware that REOs may be exempt from normal disclosure requirements. In Florida & California, for example, banks are exempt from giving a Transfer Disclosure Statement, a document that normally requires sellers to tell you about any defects they are aware of.
Is it a bargain?
Its commonly assumed that any REO must be a bargain and an opportunity for easy money. This simply isn't true. You have to be very careful about buying a REO if your intent is to make money off of it. While its true that the bank is typically anxious to sell it quickly, they are also strongly motivated to get as much as they can for it. When considering the value of a REO, you need to look closely at comparable sales in the neighborhood and be sure to take into account the time and cost of any repairs or remodeling needed to prepare the house for resale. The bargains with money making potential exist, and many people do very well buying foreclosures. But there are also many REOs that are not good buys and not likely to turn a profit. Many with code violations or other serious problems may end up in an auction. There you must be extremely careful.
How to buy a foreclosed home.
1. NEVER pay for a list of Cape Coral foreclosures or a list of Fort Myers Foreclosures. Foreclosures are listed in MLS and REALTOR available.
2. Decide which property type you are looking for, determine your budget and call us.
3. Have your check of at least 2K (Min 10% for cash) in a money order not a check due to clearance time. Have it made out to any local title company or ask the agent.
4. Have proof of cash in writing for the balance to close.
5. Getting loan? Have a pre-qualification letter done right. Should have the maximum amount you are qualified for, interest rate, date (Letter should be no older than 3 months). Have the lender state the highest amount you are qualified for. Show strength to buy Cape Coral Foreclosures and Fort Myers Foreclosures.
This site is about Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
BUYING A HOME IN CAPE CORAL
One of the biggest mistakes buyers make is not being prepared once the decision has been made to purchase a home. Here are some helpful hints.
1. Have a Pre-Qualification letter ready so we can make a copy for presenting an offer. This not only lets the seller's agent know you are a qualified buyer but speaking to your lender will give you a firm house buying budget. If you don't have a Bank or Lender, please contact us. We can put you in touch with several local lenders. In most cases, you can be qualified over the phone in less than 15 minutes.
2. Let us know what you are looking for. House, Canal, Waterfront, Gated, Condo, Townhouse, Minimum Acceptable: Bedrooms, Baths, Square Footage, Garage Space, Amenities. This will enable us to set up and email you a link to your personal 'Client Portal'. Be sure to bookmark the site once you click 'View Listings'. You will automatically be notified via email when new or revised listings hit the market that match your search.
3. Search your personal 'Client Portal' of all available properties that match your criteria in hint #2. While this search serves as a valuable tool, educating our buyers on pricing and what to expect, it is very important that you use the 'Save" and 'Rejected' options so we can get to know your likes and dislikes to serve you better. Remember, criteria can be revised with a quick email to us.
4. Once you have your Florida trip planned, allow 2-3 days to view homes. Please give us 2 weeks notice of the dates to view property so we may schedule and prepare for your arrival.
5. Bring your pre-qualification letter or Proof of funds equal to or exceeding your expected purchase price.
6. Bring your checkbook. You will be required include a check for an Earnest Money Deposit.
7. Be prepared to be open and honest about your likes and dislikes while viewing homes. Depending on your budget, we may have many properties to view. The in and out approach for any properties that are not close to what you are looking for wastes precious time. Make plenty of notes on the contenders and we may have time to take a second look the same day.
8. Once you have found your dream home, it will take about 2 hours to prepare the paperwork, sign and submit an offer.
I hope these hints were helpful. Please feel free to contact us anytime. By phone 239-243-5989 By email mary@maryneilson.com
Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
1. Have a Pre-Qualification letter ready so we can make a copy for presenting an offer. This not only lets the seller's agent know you are a qualified buyer but speaking to your lender will give you a firm house buying budget. If you don't have a Bank or Lender, please contact us. We can put you in touch with several local lenders. In most cases, you can be qualified over the phone in less than 15 minutes.
2. Let us know what you are looking for. House, Canal, Waterfront, Gated, Condo, Townhouse, Minimum Acceptable: Bedrooms, Baths, Square Footage, Garage Space, Amenities. This will enable us to set up and email you a link to your personal 'Client Portal'. Be sure to bookmark the site once you click 'View Listings'. You will automatically be notified via email when new or revised listings hit the market that match your search.
3. Search your personal 'Client Portal' of all available properties that match your criteria in hint #2. While this search serves as a valuable tool, educating our buyers on pricing and what to expect, it is very important that you use the 'Save" and 'Rejected' options so we can get to know your likes and dislikes to serve you better. Remember, criteria can be revised with a quick email to us.
4. Once you have your Florida trip planned, allow 2-3 days to view homes. Please give us 2 weeks notice of the dates to view property so we may schedule and prepare for your arrival.
5. Bring your pre-qualification letter or Proof of funds equal to or exceeding your expected purchase price.
6. Bring your checkbook. You will be required include a check for an Earnest Money Deposit.
7. Be prepared to be open and honest about your likes and dislikes while viewing homes. Depending on your budget, we may have many properties to view. The in and out approach for any properties that are not close to what you are looking for wastes precious time. Make plenty of notes on the contenders and we may have time to take a second look the same day.
8. Once you have found your dream home, it will take about 2 hours to prepare the paperwork, sign and submit an offer.
I hope these hints were helpful. Please feel free to contact us anytime. By phone 239-243-5989 By email mary@maryneilson.com
Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
FLORIDA REAL ESTATE AGENT AREA
This site is about Cape Coral Real Estate, Bonita Springs Real Estate, Cape Coral Homes for Sale, Bonita Springs Homes for Sale, Naples FL Real Estate, Bonita Springs Florida Real Estate, Fort Myers Homes for Sale, Cape Coral Homes, Cape Coral Florida Real Estate, Fort Myers Homes, Ft Myers Real Estate, Bonita Springs Single Family Homes, Ft Myers Homes for Sale, Bonita Springs Waterfront Homes, Cape Coral Waterfront Homes, Bonita Springs Luxury Homes, Ft Myers Beach Real Estate, Naples FL New Home, Cape Coral Florida Homes for Sale, Cape Coral FL Real Estate
Friday, August 12, 2011
FORT MYERS HOUSES FOR SALE
To search MLS for properties in Fort Myers and the surrounding cities, visit http://www.maryneilson.listingbook.com
If you prefer to have one of the Team search for you, email us at mary@maryneilson.com, call 239-243-5989 or visit our website at www.maryneilson.com
If you prefer to have one of the Team search for you, email us at mary@maryneilson.com, call 239-243-5989 or visit our website at www.maryneilson.com
CAPE CORAL HOUSES FOR SALE
To search MLS for properties in Cape Coral and the surrounding cities, visit http://www.maryneilson.listingbook.com
If you prefer to have one of the Team search for you, email us at mary@maryneilson.com, call 239-243-5989 or visit our website at www.maryneilson.com
If you prefer to have one of the Team search for you, email us at mary@maryneilson.com, call 239-243-5989 or visit our website at www.maryneilson.com
Saturday, August 6, 2011
FORT MYERS REAL ESTATE
Fort Myers Florida
Fort Myers area in Southwest Florida is popular for its beaches, fishing, golf, sport teams and shopping. It is also the site of the Edison & Ford winter estates. Great Florida location, approximately 45 minutes north of Naples, 75 minutes south of Sarasota and 3 hours west of Fort Lauderdale via Alligator Alley. Home of Southwest International Regional Airport, RSW. Non stop flights to Germany, Denmark and more.
Fort Myers area Gulf of Mexico beaches offer, secluded locations, sites for the lover of nature, miles of sand for family fun, restaurants, bars, water sport rentals and world class shelling on Sanibel and Captiva islands. Take the day at Lovers Key State Park or Bonita Beach dog park.
Fort Myers and nearby Cape Coral is a boaters paradise. Located in Lee County, Florida on the Gulf of Mexico, enjoy sport fishing, kayaking, jet ski, island hopping and pleasure boating. Many locals have their boats docked behind their waterfront house or condo on the extensive 400 mile canal system.
Fort Myers golf courses rival the best. Admiral Lehigh Golf & Resort, Mirror Lakes, Beachview Golf Club Sanibel Island, Cape Coral Executive Golf Course, Bonita Fairways Bonita Springs, Coral Oaks Golf Course Cape Coral, Deltura Country Club Fort Myers Florida, Eastwood Golf Course Fort Myers, Eagle Ridge Golf Club Fort Myers, El Rio Golf Club North Fort Myers, Fort Myers Country Club Fort Myers, Eastwood Golf Course, Heritage Palms and more.
Fort Myers is the spring training home of the Boston Red Sox and Minnesota Twins. A new Red Sox stadium, currently under construction will be completed for the 2012 season. Twins train at Hammond Stadium.
Fort Myers area shopping. Bell Tower, Tanger Outlet Mall, Miromar Outlets, Coconut Point in Estero.
Nightlife can be found in the Downtown River District. On going revitalization includes over 1000 condominium units, bar, restaurants, shops and businesses. Bike nights and Street Rod Cruise Ins scheduled often.
Other interests include, Barbara B Mann, The Broadway Palms Dinner Theatre and The Imaginarium.
Fort Myers area Colleges and Universities, Edison State College, Florida Gulf Coast University, Hodges University, Southwest Florida College, Rasmussen College and Nova University.
If you are thinking of buying Fort Myers Real Estate, call on Fort Myers Real Estate Agent Mary Neilson & The Mary Neilson Team to show you Fort Myers Homes. Allow Mary and her team of full time, experienced, REALTORS® help you find the home of your dreams and walk you through the process to a smooth closing.
The Mary Neilson Team serves Fort Myers Florida and surrounding Southwest Florida areas including: Cape Coral, Fort Myers Beach, St James City, Bokeelia, Lehigh Acres, North Fort Myers, San Carlos, Estero and Bonita Springs.
* Fort Myers Vacation Home
* Fort Myers Waterfront Home
* Fort Myers Waterfront Condo
* Fort Myers Canal Home
* Fort Myers Canal Condo
* Fort Myers Golf Course Home
* Fort Myers Golf Course Condo
* Fort Myers Investment Property
* Fort Myers Short Sale
* Fort Myers Foreclosure
* Fort Myers REO
* Fort Myers Bank Owned
* Fort Myers Distressed
Feel free to visit my website http://www.maryneilson.com. Browse 'Websites of Interest' for useful community information.
Fort Myers area in Southwest Florida is popular for its beaches, fishing, golf, sport teams and shopping. It is also the site of the Edison & Ford winter estates. Great Florida location, approximately 45 minutes north of Naples, 75 minutes south of Sarasota and 3 hours west of Fort Lauderdale via Alligator Alley. Home of Southwest International Regional Airport, RSW. Non stop flights to Germany, Denmark and more.
Fort Myers area Gulf of Mexico beaches offer, secluded locations, sites for the lover of nature, miles of sand for family fun, restaurants, bars, water sport rentals and world class shelling on Sanibel and Captiva islands. Take the day at Lovers Key State Park or Bonita Beach dog park.
Fort Myers and nearby Cape Coral is a boaters paradise. Located in Lee County, Florida on the Gulf of Mexico, enjoy sport fishing, kayaking, jet ski, island hopping and pleasure boating. Many locals have their boats docked behind their waterfront house or condo on the extensive 400 mile canal system.
Fort Myers golf courses rival the best. Admiral Lehigh Golf & Resort, Mirror Lakes, Beachview Golf Club Sanibel Island, Cape Coral Executive Golf Course, Bonita Fairways Bonita Springs, Coral Oaks Golf Course Cape Coral, Deltura Country Club Fort Myers Florida, Eastwood Golf Course Fort Myers, Eagle Ridge Golf Club Fort Myers, El Rio Golf Club North Fort Myers, Fort Myers Country Club Fort Myers, Eastwood Golf Course, Heritage Palms and more.
Fort Myers is the spring training home of the Boston Red Sox and Minnesota Twins. A new Red Sox stadium, currently under construction will be completed for the 2012 season. Twins train at Hammond Stadium.
Fort Myers area shopping. Bell Tower, Tanger Outlet Mall, Miromar Outlets, Coconut Point in Estero.
Nightlife can be found in the Downtown River District. On going revitalization includes over 1000 condominium units, bar, restaurants, shops and businesses. Bike nights and Street Rod Cruise Ins scheduled often.
Other interests include, Barbara B Mann, The Broadway Palms Dinner Theatre and The Imaginarium.
Fort Myers area Colleges and Universities, Edison State College, Florida Gulf Coast University, Hodges University, Southwest Florida College, Rasmussen College and Nova University.
If you are thinking of buying Fort Myers Real Estate, call on Fort Myers Real Estate Agent Mary Neilson & The Mary Neilson Team to show you Fort Myers Homes. Allow Mary and her team of full time, experienced, REALTORS® help you find the home of your dreams and walk you through the process to a smooth closing.
The Mary Neilson Team serves Fort Myers Florida and surrounding Southwest Florida areas including: Cape Coral, Fort Myers Beach, St James City, Bokeelia, Lehigh Acres, North Fort Myers, San Carlos, Estero and Bonita Springs.
* Fort Myers Vacation Home
* Fort Myers Waterfront Home
* Fort Myers Waterfront Condo
* Fort Myers Canal Home
* Fort Myers Canal Condo
* Fort Myers Golf Course Home
* Fort Myers Golf Course Condo
* Fort Myers Investment Property
* Fort Myers Short Sale
* Fort Myers Foreclosure
* Fort Myers REO
* Fort Myers Bank Owned
* Fort Myers Distressed
Feel free to visit my website http://www.maryneilson.com. Browse 'Websites of Interest' for useful community information.
CAPE CORAL REAL ESTATE
Cape Coral Florida
Cape Coral area in Southwest Florida is popular for its beaches, fishing, golf, sport teams and shopping. Great Florida location, approximately 45 minutes north of Naples, 75 minutes south of Sarasota and 3 hours west of Fort Lauderdale via Alligator Alley. Home of Southwest International Regional Airport, RSW. Non stop flights to Germany, Denmark and more.
Cape Coral area Gulf of Mexico beaches offer, secluded locations, sites for the lover of nature, miles of sand for family fun, restaurants, bars, water sport rentals and world class shelling on Sanibel and Captiva islands. Take the day at Lovers Key State Park or Bonita Beach dog park.
Cape Coral is a boaters paradise, best known for it's 400 mile, gulf access, canal system. Located in Lee County, Florida on the Caloosahatchee River, cross the bridge to Fort Myers. Boat to the Gulf of Mexico via Matlacha Pass and Caloosahatchee River. Enjoy sport fishing, kayaking, jet skis, island hopping and pleasure boating. Many residents have their boats docked behind their waterfront house or condo and take advantage of the extensive 400 mile canal system.
Cape Coral golf courses include Coral Oaks, Palmetto Pines and The Executive Golf Club. In Nearby Fort Myers, Fort Myers Golf & Country Club, Eastwood, Heritage Palms and many more.
Cape Coral and Fort Myers area is the spring training home of the Boston Red Sox and Minnesota Twins. A new Red Sox stadium, currently under construction will be completed for the 2012 season. Twins train at Hammond Stadium.
Cape Coral area shopping. Bell Tower, Tanger Outlet Mall, Miromar Outlets, Coconut Point in Estero.
Residents enjoy occasional Bike Nights w/ 100's of Harley Davidson Bikes and Street Rod Cruise Nights. Weekly Hot Rod, Muscle Car and Vintage Car Cruise In at different locations.
CRA Downtown District activities include Pub Crawls, Annual Art Fair, Seasonal Fresh Food Open Air Market, Shops, Cafes and Restaurants. The Yacht Club Basin offers a Sandy Beach, Play Area, Food, Beverages, Tennis, Community Pool, Marina, Racquet Ball and planned hobbies, activities and events.
Cape Coral is also home to Cape Harbour Marina with it's quaint shoppes, Rum Runners Restaurant and the popular bar, The Joint, where a live band, dancing & fun happen every Tuesday night. Tarpon Point Marina with its 175 slips & can accommodate up to 100' yacht. Also on site is a first class hotel, Marker 92 restaurant and The Naughty Mermaid outdoor bar and lounge.
Nearby Entertainment, Barbara B Mann, The Broadway Palms Dinner Theatre and The Imaginarium.
Cape Coral and Fort Myers area Colleges and Universities, Edison State College, Florida Gulf Coast University, Hodges University, Southwest Florida College, Rasmussen College and Nova University.
If you are thinking of buying Cape Coral Real Estate, call on Cape Coral Real Estate Agent Mary Neilson & The Mary Neilson Team to show you Cape Coral Homes. Allow Mary and her team of full time, experienced, REALTORS® help you find the home of your dreams and walk you through the process to a smooth closing.
The Mary Neilson Team serves Cape Coral Florida and surrounding Southwest Florida areas including: Fort Myers, Fort Myers Beach, St James City, Bokeelia, Lehigh Acres, North Fort Myers, San Carlos, Estero and Bonita Springs.
* Cape Coral Vacation Home
* Cape Coral Waterfront Home
* Cape Coral Gulf Access Home
* Cape Coral Waterfront Condo
* Cape Coral Canal Home
* Cape Coral Canal Condo
* Cape Coral Golf Course Home
* Cape Coral Golf Course Condo
* Cape Coral Investment Property
* Cape Coral Short Sale
* Cape Coral Foreclosure
* Cape Coral REO
* Cape Coral Bank Owned
* Cape Coral Distressed
Feel free to visit my website http://www.maryneilson.com and browse 'Websites of Interest' for useful community information.
Cape Coral area in Southwest Florida is popular for its beaches, fishing, golf, sport teams and shopping. Great Florida location, approximately 45 minutes north of Naples, 75 minutes south of Sarasota and 3 hours west of Fort Lauderdale via Alligator Alley. Home of Southwest International Regional Airport, RSW. Non stop flights to Germany, Denmark and more.
Cape Coral area Gulf of Mexico beaches offer, secluded locations, sites for the lover of nature, miles of sand for family fun, restaurants, bars, water sport rentals and world class shelling on Sanibel and Captiva islands. Take the day at Lovers Key State Park or Bonita Beach dog park.
Cape Coral is a boaters paradise, best known for it's 400 mile, gulf access, canal system. Located in Lee County, Florida on the Caloosahatchee River, cross the bridge to Fort Myers. Boat to the Gulf of Mexico via Matlacha Pass and Caloosahatchee River. Enjoy sport fishing, kayaking, jet skis, island hopping and pleasure boating. Many residents have their boats docked behind their waterfront house or condo and take advantage of the extensive 400 mile canal system.
Cape Coral golf courses include Coral Oaks, Palmetto Pines and The Executive Golf Club. In Nearby Fort Myers, Fort Myers Golf & Country Club, Eastwood, Heritage Palms and many more.
Cape Coral and Fort Myers area is the spring training home of the Boston Red Sox and Minnesota Twins. A new Red Sox stadium, currently under construction will be completed for the 2012 season. Twins train at Hammond Stadium.
Cape Coral area shopping. Bell Tower, Tanger Outlet Mall, Miromar Outlets, Coconut Point in Estero.
Residents enjoy occasional Bike Nights w/ 100's of Harley Davidson Bikes and Street Rod Cruise Nights. Weekly Hot Rod, Muscle Car and Vintage Car Cruise In at different locations.
CRA Downtown District activities include Pub Crawls, Annual Art Fair, Seasonal Fresh Food Open Air Market, Shops, Cafes and Restaurants. The Yacht Club Basin offers a Sandy Beach, Play Area, Food, Beverages, Tennis, Community Pool, Marina, Racquet Ball and planned hobbies, activities and events.
Cape Coral is also home to Cape Harbour Marina with it's quaint shoppes, Rum Runners Restaurant and the popular bar, The Joint, where a live band, dancing & fun happen every Tuesday night. Tarpon Point Marina with its 175 slips & can accommodate up to 100' yacht. Also on site is a first class hotel, Marker 92 restaurant and The Naughty Mermaid outdoor bar and lounge.
Nearby Entertainment, Barbara B Mann, The Broadway Palms Dinner Theatre and The Imaginarium.
Cape Coral and Fort Myers area Colleges and Universities, Edison State College, Florida Gulf Coast University, Hodges University, Southwest Florida College, Rasmussen College and Nova University.
If you are thinking of buying Cape Coral Real Estate, call on Cape Coral Real Estate Agent Mary Neilson & The Mary Neilson Team to show you Cape Coral Homes. Allow Mary and her team of full time, experienced, REALTORS® help you find the home of your dreams and walk you through the process to a smooth closing.
The Mary Neilson Team serves Cape Coral Florida and surrounding Southwest Florida areas including: Fort Myers, Fort Myers Beach, St James City, Bokeelia, Lehigh Acres, North Fort Myers, San Carlos, Estero and Bonita Springs.
* Cape Coral Vacation Home
* Cape Coral Waterfront Home
* Cape Coral Gulf Access Home
* Cape Coral Waterfront Condo
* Cape Coral Canal Home
* Cape Coral Canal Condo
* Cape Coral Golf Course Home
* Cape Coral Golf Course Condo
* Cape Coral Investment Property
* Cape Coral Short Sale
* Cape Coral Foreclosure
* Cape Coral REO
* Cape Coral Bank Owned
* Cape Coral Distressed
Feel free to visit my website http://www.maryneilson.com and browse 'Websites of Interest' for useful community information.
GOOD FORT MYERS SHORT SALE REALTOR
Call The Mary Neilson Team. 239-243-5989 You won't be disappointed.
Visit us at: http://www.maryneilson.com
Fort Myers Real Estate
Cape Coral Real Estate
Estero Real Estate
Bonita Springs Real Estate
Lehigh Acres Real Estate
Visit us at: http://www.maryneilson.com
Fort Myers Real Estate
Cape Coral Real Estate
Estero Real Estate
Bonita Springs Real Estate
Lehigh Acres Real Estate
GOOD CAPE CORAL SHORT SALE REALTOR
Call The Mary Neilson Team. 239-243-5989 You won't be disappointed.
Visit us at: http://www.maryneilson.com
Visit us at: http://www.maryneilson.com
ESTERO HOMES
Estero Home, Fort Myers Homes. Beautiful Home in the Gated community of Marsh Landing. More community info go to www.mymarshlanding.com Located across from the Coconut Point Mall in Estero. This home features 3 bedroom split design, granite kitchen, huge breakfast bar, combo family room and formal living & dining rooms. Master suite includes private bath with dual sinks, walk in shower and soaking tub. Screened in ground pool with pool bath. Low quarterly fees of $365. Amenities include, clubhouse, pool, tennis and more. $221,900.
Call 239-243-5989 or email mary@maryneilson.com for photos and/or other Estero Real Estate Bonita Springs Real Estate Fort Myers Real Estate or Cape Coral Real Estate.
23008 Marsh Landing Blvd Estero Florida
Visit: http://www.maryneilson.com
Cape Coral REALTOR
Fort Myers REALTOR
Estero REALTOR
Bonita Springs REALTOR
Call 239-243-5989 or email mary@maryneilson.com for photos and/or other Estero Real Estate Bonita Springs Real Estate Fort Myers Real Estate or Cape Coral Real Estate.
23008 Marsh Landing Blvd Estero Florida
Visit: http://www.maryneilson.com
Cape Coral REALTOR
Fort Myers REALTOR
Estero REALTOR
Bonita Springs REALTOR
FORT MYERS CONDOS
Fort Myers Condo, Fort Myers Home. Attention Golfers, Boaters, Sunbathers, Tennis enthusiasts and Fun Seekers. Fantastic opportunity to own a 1300 sq ft, 2 bedroom, 2 bath, 1st floor condo in Terraverde, South Fort Myers. Solid surface countertops with all appliances included. Screened lanai, end unit with extra natural light. Clubhouse with food/alcohol bar, activities, exercise room, dry sauna, lockers. Large heated swimming pool, jacuzzi, sun deck, water aerobics, tennis, fishing, boat storage and boat launch. Minimal Golf Fee of $200 annually. This community is ideal. Bar service, Pro Shop, Parties, Potlucks and more. Come see why everyone loves Terraverde.
Call 239-243-5989 or email mary@maryneilson.com for photos and/or other Fort Myers Real Estate or Cape Coral Real Estate.
11732 Ravens Roost #1 Terraverde South Fort Myers Florida
Visit: http://www.maryneilson.com
Cape Coral REALTOR
Fort Myers REALTOR
Call 239-243-5989 or email mary@maryneilson.com for photos and/or other Fort Myers Real Estate or Cape Coral Real Estate.
11732 Ravens Roost #1 Terraverde South Fort Myers Florida
Visit: http://www.maryneilson.com
Cape Coral REALTOR
Fort Myers REALTOR
FORT MYERS HOMES
Fort Myers Home. Gated Timber Ridge in Gateway. Community Info visit http://www.timberridgehoa.info/docs.htm Nearly 1800 sq ft, 3 bedroom, 2 bath home. Tax roll shows 2 bedroom, however den has a closet. Lovely cabinets and granite in kitchen. Master bath has separate shower and soaking tub. Large screened lanai. $149,900. Call 239-243-5989 or email mary@maryneilson.com for photos and/or other Fort Myers Real Estate.
11840 Pine Timber Ln
Visit: http://www.maryneilson.com
Cape Coral REALTOR
Fort Myers REALTOR
11840 Pine Timber Ln
Visit: http://www.maryneilson.com
Cape Coral REALTOR
Fort Myers REALTOR
CAPE CORAL HOMES
Cape Coral Real Estate. Fantastic opportunity. Beautiful home in immaculate condition. Only 5 years old. Generously sized at over 1850 Sq Ft. This custom built, 3/2 plus family room is open and inviting with cathedral ceilings. Split floor plan for privacy when guests arrive. Neutral paint color and 18 inch tile throughout home. Corian counter tops, Upgraded comfort height cabinets in bathrooms, wood grade cabinetry in kitchen and baths. French doors lead to master suite that boasts dual sinks, a separate shower and jetted soaking tub plus his and hers walk-in closets. Upgraded lighting and ceiling fans. Open porch in front, all tiled and stone decorative columns. Alarm and Sprinkler system. Large screened lanai, tiled with two ceiling fans. Palm trees. Convenient location, close to shopping and charter school. Best News Yet! It's not a short sale or foreclosure, and it shows! Call 239-243-5989 or email mary@maryneilson.com for photos and other Cape Coral Home or Fort Myers Home.
208 NW 26th PL Cape Coral Florida
Visit: http://www.maryneilson.com
208 NW 26th PL Cape Coral Florida
Visit: http://www.maryneilson.com
Thursday, August 4, 2011
Bank Owned Fort Myers
We're making news here in Cape Coral and Fort Myers Florida and it's GOOD news. Prices are down and Sales are up. Don't miss this fantastic opportunity!!!! Find out how to search for Bank or Corporate owned, Foreclosures & Short Sale homes houses properties. Choose from homes & condos under $100,000., gulf access, canal & waterfront homes under $200,000 and luxury homes $$$.
The MARY NEILSON TEAM are full time, experienced agents serving all of Lee County. Don't hesitate while prices are low, low, low. Many properties are receiving multiple offers. We will have a lender qualify you for a loan so you will be ready to act quickly.
Email me at mary@maryneilson.com or call 239-243-5989 today for a Free no obligation List of SW Florida properties or search the Cape Coral Fort Myers MLS database like a REALTOR.
The MARY NEILSON TEAM are full time, experienced agents serving all of Lee County. Don't hesitate while prices are low, low, low. Many properties are receiving multiple offers. We will have a lender qualify you for a loan so you will be ready to act quickly.
Email me at mary@maryneilson.com or call 239-243-5989 today for a Free no obligation List of SW Florida properties or search the Cape Coral Fort Myers MLS database like a REALTOR.
Houses in Fort Myers
No Hassles. Search MLS like an agent. Cape Coral, Fort Myers, Fort Myers Beach, North Fort Myers, St James City, Lehigh Acres, Bonita, Estero, San Carlos, Florida property. Residential single family, waterfront homes, canal gulf access homes, canal condos, waterfront condos, townhouses, beachfront homes or condos and vacant land. Go to http://www.maryneilson.listingbook.com to search on your own. Go to http://www.maryneilson.com team website, browse and then email mary@maryneilson.com or call Mary Neilson at 239-243-5989. We are here to help you with all of your real estate needs.
Fort Myers Real Estate
No Hassles. Search MLS like an agent. Fort Myers, Cape Coral, Fort Myers Beach, North Fort Myers, St James City, Lehigh Acres, Bonita, Estero, San Carlos, Florida property. Residential single family, waterfront homes, canal gulf access homes, canal condos, waterfront condos, townhouses, beachfront homes or condos and vacant land. Go to http://www.maryneilson.listingbook.com to search on your own. Go to http://www.maryneilson.com team website, browse and then email mary@maryneilson.com or call Mary Neilson at 239-243-5989. We are here to help you with all of your real estate needs.
Tuesday, August 2, 2011
Mortgage Debt Relief
Good through 2012. Facts you should know!!!!!! Read then....
Call Mary Neilson at 239-243-5989 or visit the Team Website at www.maryneilson.com
The Mortgage Forgiveness Debt Relief Act and Debt Cancellation
If you owe a debt to someone else and they cancel or forgive that debt, the canceled amount may be taxable.
The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief.
This provision applies to debt forgiven in calendar years 2007 through 2012. Up to $2 million of forgiven debt is eligible for this exclusion ($1 million if married filing separately). The exclusion does not apply if the discharge is due to services performed for the lender or any other reason not directly related to a decline in the home’s value or the taxpayer’s financial condition.
More information, including detailed examples can be found in Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments. Also see IRS news release IR-2008-17.
The following are the most commonly asked questions and answers about The Mortgage Forgiveness Debt Relief Act and debt cancellation:
What is Cancellation of Debt?
If you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes, depending on the circumstances. When you borrowed the money you were not required to include the loan proceeds in income because you had an obligation to repay the lender. When that obligation is subsequently forgiven, the amount you received as loan proceeds is normally reportable as income because you no longer have an obligation to repay the lender. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt.
Here’s a very simplified example. You borrow $10,000 and default on the loan after paying back $2,000. If the lender is unable to collect the remaining debt from you, there is a cancellation of debt of $8,000, which generally is taxable income to you.
Is Cancellation of Debt income always taxable?
Not always. There are some exceptions. The most common situations when cancellation of debt income is not taxable involve:
* Qualified principal residence indebtedness: This is the exception created by the Mortgage Debt Relief Act of 2007 and applies to most homeowners.
* Bankruptcy: Debts discharged through bankruptcy are not considered taxable income.
* Insolvency: If you are insolvent when the debt is cancelled, some or all of the cancelled debt may not be taxable to you. You are insolvent when your total debts are more than the fair market value of your total assets.
* Certain farm debts: If you incurred the debt directly in operation of a farm, more than half your income from the prior three years was from farming, and the loan was owed to a person or agency regularly engaged in lending, your cancelled debt is generally not considered taxable income.
* Non-recourse loans: A non-recourse loan is a loan for which the lender’s only remedy in case of default is to repossess the property being financed or used as collateral. That is, the lender cannot pursue you personally in case of default. Forgiveness of a non-recourse loan resulting from a foreclosure does not result in cancellation of debt income. However, it may result in other tax consequences.
These exceptions are discussed in detail in Publication 4681.
What is the Mortgage Forgiveness Debt Relief Act of 2007?
The Mortgage Forgiveness Debt Relief Act of 2007 was enacted on December 20, 2007 (see News Release IR-2008-17). Generally, the Act allows exclusion of income realized as a result of modification of the terms of the mortgage, or foreclosure on your principal residence.
What does exclusion of income mean?
Normally, debt that is forgiven or cancelled by a lender must be included as income on your tax return and is taxable. But the Mortgage Forgiveness Debt Relief Act allows you to exclude certain cancelled debt on your principal residence from income. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief.
Does the Mortgage Forgiveness Debt Relief Act apply to all forgiven or cancelled debts?
No. The Act applies only to forgiven or cancelled debt used to buy, build or substantially improve your principal residence, or to refinance debt incurred for those purposes. In addition, the debt must be secured by the home. This is known as qualified principal residence indebtedness. The maximum amount you can treat as qualified principal residence indebtedness is $2 million or $1 million if married filing
separately.
Does the Mortgage Forgiveness Debt Relief Act apply to debt incurred to refinance a home?
Debt used to refinance your home qualifies for this exclusion, but only to the extent that the principal balance of the old mortgage, immediately before the refinancing, would have qualified. For more information, including an example, see Publication 4681.
How long is this special relief in effect?
It applies to qualified principal residence indebtedness forgiven in calendar years 2007 through 2012.
Is there a limit on the amount of forgiven qualified principal residence indebtedness that can be excluded from income?
The maximum amount you can treat as qualified principal residence indebtedness is $2 million ($1 million if married filing separately for the tax year), at the time the loan was forgiven. If the balance was greater, see the instructions to Form 982 and the detailed example in Publication 4681.
If the forgiven debt is excluded from income, do I have to report it on my tax return?
Yes. The amount of debt forgiven must be reported on Form 982 and this form must be attached to your tax return.
Do I have to complete the entire Form 982?
No. Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Adjustment), is used for other purposes in addition to reporting the exclusion of forgiveness of qualified principal residence indebtedness. If you are using the form only to report the exclusion of forgiveness of qualified principal residence indebtedness as the result of foreclosure on your principal residence, you only need to complete lines 1e and 2. If you kept ownership of your home and modification of the terms of your mortgage resulted in the forgiveness of qualified principal residence indebtedness, complete lines 1e, 2, and 10b. Attach the Form 982 to your tax return.
Where can I get this form?
If you use a computer to fill out your return, check your tax-preparation software. You can also download the form at IRS.gov, or call 1-800-829-3676. If you call to order, please allow 7-10 days for delivery.
How do I know or find out how much debt was forgiven?
Your lender should send a Form 1099-C, Cancellation of Debt, by February 2, 2009. The amount of debt forgiven or cancelled will be shown in box 2. If this debt is all qualified principal residence indebtedness, the amount shown in box 2 will generally be the amount that you enter on lines 2 and 10b, if applicable, on Form 982.
Can I exclude debt forgiven on my second home, credit card or car loans?
Not under this provision. Only cancelled debt used to buy, build or improve your principal residence or refinance debt incurred for those purposes qualifies for this exclusion. See Publication 4681 for further details.
If part of the forgiven debt doesn't qualify for exclusion from income under this provision, is it possible that it may qualify for exclusion under a different provision?
Yes. The forgiven debt may qualify under the insolvency exclusion. Normally, you are not required to include forgiven debts in income to the extent that you are insolvent. You are insolvent when your total liabilities exceed your total assets. The forgiven debt may also qualify for exclusion if the debt was discharged in a Title 11 bankruptcy proceeding or if the debt is qualified farm indebtedness or qualified real property business indebtedness. If you believe you qualify for any of these exceptions, see the instructions for Form 982. Publication 4681 discusses each of these exceptions and includes examples.
I lost money on the foreclosure of my home. Can I claim a loss on my tax return?
No. Losses from the sale or foreclosure of personal property are not deductible.
If I sold my home at a loss and the remaining loan is forgiven, does this constitute a cancellation of debt?
Yes. To the extent that a loan from a lender is not fully satisfied and a lender cancels the unsatisfied debt, you have cancellation of indebtedness income. If the amount forgiven or canceled is $600 or more, the lender must generally issue Form 1099-C, Cancellation of Debt, showing the amount of debt canceled. However, you may be able to exclude part or all of this income if the debt was qualified principal residence indebtedness, you were insolvent immediately before the discharge, or if the debt was canceled in a title 11 bankruptcy case. An exclusion is also available for the cancellation of certain nonbusiness debts of a qualified individual as a result of a disaster in a Midwestern disaster area. See Form 982 for details.
If the remaining balance owed on my mortgage loan that I was personally liable for was canceled after my foreclosure, may I still exclude the canceled debt from income under the qualified principal residence exclusion, even though I no longer own my residence?
Yes, as long as the canceled debt was qualified principal residence indebtedness. See Example 2 on page 13 of Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments.
Will I receive notification of cancellation of debt from my lender?
Yes. Lenders are required to send Form 1099-C, Cancellation of Debt, when they cancel any debt of $600 or more. The amount cancelled will be in box 2 of the form.
What if I disagree with the amount in box 2?
Contact your lender to work out any discrepancies and have the lender issue a corrected Form 1099-C.
How do I report the forgiveness of debt that is excluded from gross income?
(1) Check the appropriate box under line 1 on Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment) to indicate the type of discharge of indebtedness and enter the amount of the discharged debt excluded from gross income on line 2. Any remaining canceled debt must be included as income on your tax return.
(2) File Form 982 with your tax return.
My student loan was cancelled; will this result in taxable income?
In some cases, yes. Your student loan cancellation will not result in taxable income if you agreed to a loan provision requiring you to work in a certain profession for a specified period of time, and you fulfilled this obligation.
Are there other conditions I should know about to exclude the cancellation of student debt?
Yes, your student loan must have been made by:
(a) the federal government, or a state or local government or subdivision;
(b) a tax-exempt public benefit corporation which has control of a state, county or municipal hospital where the employees are considered public employees; or
(c) a school which has a program to encourage students to work in underserved occupations or areas, and has an agreement with one of the above to fund the program, under the direction of a governmental unit or a charitable or educational organization.
Can I exclude cancellation of credit card debt?
In some cases, yes. Nonbusiness credit card debt cancellation can be excluded from income if the cancellation occurred in a title 11 bankruptcy case, or to the extent you were insolvent just before the cancellation. See the examples in Publication 4681.
How do I know if I was insolvent?
You are insolvent when your total debts exceed the total fair market value of all of your assets. Assets include everything you own, e.g., your car, house, condominium, furniture, life insurance policies, stocks, other investments, or your pension and other retirement accounts.
How should I report the information and items needed to prove insolvency?
Use Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment) to exclude canceled debt from income to the extent you were insolvent immediately before the cancellation. You were insolvent to the extent that your liabilities exceeded the fair market value of your assets immediately before the cancellation.
To claim this exclusion, you must attach Form 982 to your federal income tax return. Check box 1b on Form 982, and, on line 2, include the smaller of the amount of the debt canceled or the amount by which you were insolvent immediately prior to the cancellation. You must also reduce your tax attributes in Part II of Form 982.
My car was repossessed and I received a 1099-C; can I exclude this amount on my tax return?
Only if the cancellation happened in a title 11 bankruptcy case, or to the extent you were insolvent just before the cancellation. See Publication 4681 for examples.
Are there any publications I can read for more information?
Yes.
(1) Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments (for Individuals) is new and addresses in a single document the tax consequences of cancellation of debt issues.
(2) See the IRS news release IR-2008-17 with additional questions and answers on IRS.gov.
Call Mary Neilson at 239-243-5989 or visit the Team Website at www.maryneilson.com
The Mortgage Forgiveness Debt Relief Act and Debt Cancellation
If you owe a debt to someone else and they cancel or forgive that debt, the canceled amount may be taxable.
The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief.
This provision applies to debt forgiven in calendar years 2007 through 2012. Up to $2 million of forgiven debt is eligible for this exclusion ($1 million if married filing separately). The exclusion does not apply if the discharge is due to services performed for the lender or any other reason not directly related to a decline in the home’s value or the taxpayer’s financial condition.
More information, including detailed examples can be found in Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments. Also see IRS news release IR-2008-17.
The following are the most commonly asked questions and answers about The Mortgage Forgiveness Debt Relief Act and debt cancellation:
What is Cancellation of Debt?
If you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes, depending on the circumstances. When you borrowed the money you were not required to include the loan proceeds in income because you had an obligation to repay the lender. When that obligation is subsequently forgiven, the amount you received as loan proceeds is normally reportable as income because you no longer have an obligation to repay the lender. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt.
Here’s a very simplified example. You borrow $10,000 and default on the loan after paying back $2,000. If the lender is unable to collect the remaining debt from you, there is a cancellation of debt of $8,000, which generally is taxable income to you.
Is Cancellation of Debt income always taxable?
Not always. There are some exceptions. The most common situations when cancellation of debt income is not taxable involve:
* Qualified principal residence indebtedness: This is the exception created by the Mortgage Debt Relief Act of 2007 and applies to most homeowners.
* Bankruptcy: Debts discharged through bankruptcy are not considered taxable income.
* Insolvency: If you are insolvent when the debt is cancelled, some or all of the cancelled debt may not be taxable to you. You are insolvent when your total debts are more than the fair market value of your total assets.
* Certain farm debts: If you incurred the debt directly in operation of a farm, more than half your income from the prior three years was from farming, and the loan was owed to a person or agency regularly engaged in lending, your cancelled debt is generally not considered taxable income.
* Non-recourse loans: A non-recourse loan is a loan for which the lender’s only remedy in case of default is to repossess the property being financed or used as collateral. That is, the lender cannot pursue you personally in case of default. Forgiveness of a non-recourse loan resulting from a foreclosure does not result in cancellation of debt income. However, it may result in other tax consequences.
These exceptions are discussed in detail in Publication 4681.
What is the Mortgage Forgiveness Debt Relief Act of 2007?
The Mortgage Forgiveness Debt Relief Act of 2007 was enacted on December 20, 2007 (see News Release IR-2008-17). Generally, the Act allows exclusion of income realized as a result of modification of the terms of the mortgage, or foreclosure on your principal residence.
What does exclusion of income mean?
Normally, debt that is forgiven or cancelled by a lender must be included as income on your tax return and is taxable. But the Mortgage Forgiveness Debt Relief Act allows you to exclude certain cancelled debt on your principal residence from income. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief.
Does the Mortgage Forgiveness Debt Relief Act apply to all forgiven or cancelled debts?
No. The Act applies only to forgiven or cancelled debt used to buy, build or substantially improve your principal residence, or to refinance debt incurred for those purposes. In addition, the debt must be secured by the home. This is known as qualified principal residence indebtedness. The maximum amount you can treat as qualified principal residence indebtedness is $2 million or $1 million if married filing
separately.
Does the Mortgage Forgiveness Debt Relief Act apply to debt incurred to refinance a home?
Debt used to refinance your home qualifies for this exclusion, but only to the extent that the principal balance of the old mortgage, immediately before the refinancing, would have qualified. For more information, including an example, see Publication 4681.
How long is this special relief in effect?
It applies to qualified principal residence indebtedness forgiven in calendar years 2007 through 2012.
Is there a limit on the amount of forgiven qualified principal residence indebtedness that can be excluded from income?
The maximum amount you can treat as qualified principal residence indebtedness is $2 million ($1 million if married filing separately for the tax year), at the time the loan was forgiven. If the balance was greater, see the instructions to Form 982 and the detailed example in Publication 4681.
If the forgiven debt is excluded from income, do I have to report it on my tax return?
Yes. The amount of debt forgiven must be reported on Form 982 and this form must be attached to your tax return.
Do I have to complete the entire Form 982?
No. Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Adjustment), is used for other purposes in addition to reporting the exclusion of forgiveness of qualified principal residence indebtedness. If you are using the form only to report the exclusion of forgiveness of qualified principal residence indebtedness as the result of foreclosure on your principal residence, you only need to complete lines 1e and 2. If you kept ownership of your home and modification of the terms of your mortgage resulted in the forgiveness of qualified principal residence indebtedness, complete lines 1e, 2, and 10b. Attach the Form 982 to your tax return.
Where can I get this form?
If you use a computer to fill out your return, check your tax-preparation software. You can also download the form at IRS.gov, or call 1-800-829-3676. If you call to order, please allow 7-10 days for delivery.
How do I know or find out how much debt was forgiven?
Your lender should send a Form 1099-C, Cancellation of Debt, by February 2, 2009. The amount of debt forgiven or cancelled will be shown in box 2. If this debt is all qualified principal residence indebtedness, the amount shown in box 2 will generally be the amount that you enter on lines 2 and 10b, if applicable, on Form 982.
Can I exclude debt forgiven on my second home, credit card or car loans?
Not under this provision. Only cancelled debt used to buy, build or improve your principal residence or refinance debt incurred for those purposes qualifies for this exclusion. See Publication 4681 for further details.
If part of the forgiven debt doesn't qualify for exclusion from income under this provision, is it possible that it may qualify for exclusion under a different provision?
Yes. The forgiven debt may qualify under the insolvency exclusion. Normally, you are not required to include forgiven debts in income to the extent that you are insolvent. You are insolvent when your total liabilities exceed your total assets. The forgiven debt may also qualify for exclusion if the debt was discharged in a Title 11 bankruptcy proceeding or if the debt is qualified farm indebtedness or qualified real property business indebtedness. If you believe you qualify for any of these exceptions, see the instructions for Form 982. Publication 4681 discusses each of these exceptions and includes examples.
I lost money on the foreclosure of my home. Can I claim a loss on my tax return?
No. Losses from the sale or foreclosure of personal property are not deductible.
If I sold my home at a loss and the remaining loan is forgiven, does this constitute a cancellation of debt?
Yes. To the extent that a loan from a lender is not fully satisfied and a lender cancels the unsatisfied debt, you have cancellation of indebtedness income. If the amount forgiven or canceled is $600 or more, the lender must generally issue Form 1099-C, Cancellation of Debt, showing the amount of debt canceled. However, you may be able to exclude part or all of this income if the debt was qualified principal residence indebtedness, you were insolvent immediately before the discharge, or if the debt was canceled in a title 11 bankruptcy case. An exclusion is also available for the cancellation of certain nonbusiness debts of a qualified individual as a result of a disaster in a Midwestern disaster area. See Form 982 for details.
If the remaining balance owed on my mortgage loan that I was personally liable for was canceled after my foreclosure, may I still exclude the canceled debt from income under the qualified principal residence exclusion, even though I no longer own my residence?
Yes, as long as the canceled debt was qualified principal residence indebtedness. See Example 2 on page 13 of Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments.
Will I receive notification of cancellation of debt from my lender?
Yes. Lenders are required to send Form 1099-C, Cancellation of Debt, when they cancel any debt of $600 or more. The amount cancelled will be in box 2 of the form.
What if I disagree with the amount in box 2?
Contact your lender to work out any discrepancies and have the lender issue a corrected Form 1099-C.
How do I report the forgiveness of debt that is excluded from gross income?
(1) Check the appropriate box under line 1 on Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment) to indicate the type of discharge of indebtedness and enter the amount of the discharged debt excluded from gross income on line 2. Any remaining canceled debt must be included as income on your tax return.
(2) File Form 982 with your tax return.
My student loan was cancelled; will this result in taxable income?
In some cases, yes. Your student loan cancellation will not result in taxable income if you agreed to a loan provision requiring you to work in a certain profession for a specified period of time, and you fulfilled this obligation.
Are there other conditions I should know about to exclude the cancellation of student debt?
Yes, your student loan must have been made by:
(a) the federal government, or a state or local government or subdivision;
(b) a tax-exempt public benefit corporation which has control of a state, county or municipal hospital where the employees are considered public employees; or
(c) a school which has a program to encourage students to work in underserved occupations or areas, and has an agreement with one of the above to fund the program, under the direction of a governmental unit or a charitable or educational organization.
Can I exclude cancellation of credit card debt?
In some cases, yes. Nonbusiness credit card debt cancellation can be excluded from income if the cancellation occurred in a title 11 bankruptcy case, or to the extent you were insolvent just before the cancellation. See the examples in Publication 4681.
How do I know if I was insolvent?
You are insolvent when your total debts exceed the total fair market value of all of your assets. Assets include everything you own, e.g., your car, house, condominium, furniture, life insurance policies, stocks, other investments, or your pension and other retirement accounts.
How should I report the information and items needed to prove insolvency?
Use Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness (and Section 1082 Basis Adjustment) to exclude canceled debt from income to the extent you were insolvent immediately before the cancellation. You were insolvent to the extent that your liabilities exceeded the fair market value of your assets immediately before the cancellation.
To claim this exclusion, you must attach Form 982 to your federal income tax return. Check box 1b on Form 982, and, on line 2, include the smaller of the amount of the debt canceled or the amount by which you were insolvent immediately prior to the cancellation. You must also reduce your tax attributes in Part II of Form 982.
My car was repossessed and I received a 1099-C; can I exclude this amount on my tax return?
Only if the cancellation happened in a title 11 bankruptcy case, or to the extent you were insolvent just before the cancellation. See Publication 4681 for examples.
Are there any publications I can read for more information?
Yes.
(1) Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments (for Individuals) is new and addresses in a single document the tax consequences of cancellation of debt issues.
(2) See the IRS news release IR-2008-17 with additional questions and answers on IRS.gov.
Fort Myers REALTOR
Looking for a full time, professional REALTOR? Check us out. Mary, Donna, Joy and Kevin are ready to help with your real estate needs. Lee and Collier Counties.
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Cape Coral REALTOR
Looking for a full time, professional REALTOR? Check us out. Mary, Donna, Joy and Kevin are ready to help with your real estate needs. Lee and Collier Counties.
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Estero Real Estate
Just Listed. Gated!!! Marsh Landing 3 bedroom, 2 bath, pool home. Granite countertops in kitchen, Spacious master bath, formal dining room. Clubhouse, community pool, Tennis courts, low monthly fee. Across 41 from Coconut Point Mall in Estero Florida. $221,900 Call for more information. 239-243-5989
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Fort Myers Real Estate
Just Listed. Gated Timber Ridge at Gateway in Fort Myers, Florida. 3 bedroom, 2 bath, 2 car garage, large kitchen with granite countertops. Screened lanai. Pine Timber Ln $149,900. Close to the new, under construction, Boston Red Sox Stadium. Call for your private showing. 239-243-5989
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Cape Coral Real Estate
Just Listed. Not a short sale or foreclosure. SE Cape Coral, 3 bedroom, 2 bath, 2 car garage with pool. Recently renovated and move in ready. Desirable Country Club area of Cape Coral Florida. $154,900
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Cape Coral Real Estate
Showed gulf access, waterfront, properties in the NW section of Cape Coral today. My buyers asked me to broaden the search to all gulf access homes throughout the Cape, 1992 or newer, 2450 sq ft plus with a pool up to $500,000. I was very surprised to find only 31 properties popped up in the search.
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Short Sale
Another Short Sale negotiated and closed. Lanier Ct in North Fort Myers. Mortgage Holder Bank of America.
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Short Sale Cape Coral
Negotiated and Closed another short sale in Cape Coral, Florida. Cape Heather Circle in Heatherwood Lakes. Mortgage holder GMAC.
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
Visit The Mary Neilson Team website at www.maryneilson.com or Call 239-243-5989 today!
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