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THE WAY IT IS IN 2009 AND FORWARD FOR ______YEARS?

OPPORTUNITY NOW!

For BUYERS who have saved a down payment or who have cash, it is a very special time from 2008 forward until who knows. Prices in the Indian River County, Florida area have plunged anywhere from 30-50% since 2006. There are also governmental incentives to help you with a down payment of $8,000. You may qualify for it, if a first time homebuyer.

For SELLERS who bought between 2000- 2004, yes, you can sell and perhaps have some cash flow or assuming you have not lost too much, you can sell and reinvest... If you have owned a home in this county or nearby for more than ten to fifteen years, there is an opportunity to take some profit and go forward to buy something else at a very good price here or perhaps much more housing in another state.

For FORECLOSURE VICTIMS who are forced from their homes or businesses, for those who lost their jobs, or simply can no longer make their payments, professional help and time may rescue your situation. Don't be shy; stop by governmental offices for free help, call on former professionals who may have helped you in the past, lawyers, accountants, elder services.

IF YOU ARE NOT BEHIND ON PAYMENTS, BUT FEEL YOU MAY BE SOON,
DO NOT PROCRASTINATE, CONTACT YOUR LENDER AND ATTEMPT TO WORK OUT A PLAN

CALL ME IF YOU WANT OR NEED HELP IN THIS REGARD

FREE ADVICE: ALWAYS DEMAND a copy of the note and mortgage, if foreclosure proceedings begin and your bank cannot produce the documents, (since so many instruments were sliced, diced and sold) the original document may no longer exist. It may borrow you time

While not ultimately saving your home; perhaps it will buy you much needed time to make some arrangements or negotiate with your lender. If they cannot produce the document; they have no legal basis to force you out and you can consult your attorney or ask for advice from governmental sources to see if you can prolong the time before you are put on the street, offer to pay rent to keep the property lived in and watched over; so it doesn't suffer vandalism..

LINKS TO HELP YOU
The Law in Florida: 
Copy of the Note and Mortgage:
Short Sale negotiators I work with:
Foreclosure Information: Mortgage Foreclosure : The Process in Florida | Produce the Note: Stopping Mortgage Foreclosure | Homeowners Facing Foreclosure Demand Proof of Mortgage Ownership