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HOUSING OPPORTUNITIES IN 2010 MAY BE HERE TO STAY!

OPPORTUNITY NOW!

For BUYERS who have saved for a down payment or who have cash, it is a great time to start looking for that special place. Prices in the Indian River County area have plunged anywhere from 30-50% since 2006. There are also governmental incentives to help you with Escambia County assistance. You may qualify for it if you're a first time homebuyer.

For SELLERS who bought their house between 2000- 2004, yes, you can sell! If you have owned a home in Indian River County for more than ten to fifteen years, this is an opportunity to make some profit and buy a new home at a very good price either in the same area or in another state. You can also reinvest your profits in other housing markets around the U.S.

For FORECLOSURE VICTIMS who have been forced from their homes or businesses because they have lost their jobs and can't make their payments,  professional help is available. 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 DELAY, CONTACT YOUR LENDER AND WORK OUT A PLAN

I CAN HELP YOU WITH THIS!

FREE ADVICE: Always demand a copy of the note and mortgage. If foreclosure proceedings begin, your bank may not be able to produce the documents. Since so many banks have been bought and sold, the original document may no longer exist.

While it might not ultimately save your home, it will buy you time to make some arrangements or negotiate with your lender. If they cannot produce the required documents, they have no legal basis to force you out. You can consult your attorney or ask for advice from governmental sources to see if you can prolong the time before your house is foreclosed. You can offer to pay rent on the property so that it remains lived in and maintained.

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 | Escambia County Housing Finance