Dunedin Short Sales Are Improving

February 13, 2012
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Dunedin Short Sales Are Improving


Dunedin FL – We recently saw something positive on short sales with Bank of America. Bank of America recently sent out an email stating that you can no initiate the short sale process without a buyer.

The agent can start the process and get things going before a buyer makes an offer to purchase the property.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

This will help to reduce the short sale timeline. All of the documents will be submitted and if the negotiator needs anything else, they can request it earlier in the process.

This also allows Bank of America to contact the owner of the loan earlier. This is important as some loan owners can take a while to respond.

We think this is a good development that will make Bank of America short sales easier. It also shows that the lenders are working to make the process smoother and easier. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Mike & Melody Meoni.

Mike & Melody is a Real Estate Agents at Charles Rutenberg Realty.

Phone: 727-644-1476. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specialize in loan modification assistance and short sales in Dunedin Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor. Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Mike & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Mike & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on Dunedin Short Sales Are Improving is provided as a courtesy to our viewers to help them make informed decisions.

Dunedin Palm Harbor Clearwater Short Sale Help: Another short sale almost killed by lender incompetence

February 8, 2012
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Dunedin Short Sale Help: Another short sale almost killed by lender incompetence


Dunedin FL – We have seen many instances where a short sale that should have been approved was denied. If your short sale realtor doesn’t know what they are doing, then you might get stuck with a promissory note that you don’t deserve.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here is a good example of this happening. A real estate agent had a short sale with one of the largest lenders in America. The short sale negotiator said that they would not approve the short sale unless the seller came to closing with 50k cash. The sellers said no way.

Fortunately, the agent knew that Fannie Mae owned their loan. The good news for the seller is that Fannie Mae does not ask for promissory notes or pursue deficiencies. (There are a couple exceptions, but they didn’t apply here.) If those are Fannie Mae’s Guidelines, then why would the short sale negotiator require the seller to bring 50k to closing?

Turns out the negotiator was not following Fannie Mae’s Short Sale Guidelines. The agent contacted Fannie Mae directly. Within 72 hours a supervisor called from the short sale department. This time they were singing a different tune.

The sale was approved and the promissory note waived. The seller got to walk away owing zero. Why do things like these happen? Because, in our opinion, there is little oversight over the short sale process. Nothing happens when a short sale gets rejected and sells for less as a bank owned property. No, don’t kid yourself, this happens a lot.

These short sale negotiators develop an adversarial mindset. They probably even get paid bonuses based on how much money they squeeze out of short sale sellers. This causes their ego to get in the way of what is best for the owner of the loan. If you are thinking about short selling your home, make sure your agent knows how to research who the owner of your loan is. That info will allow them to negotiate from a position of power. And it will help you avoid a deficiency or promissory note.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Mike & Melody Meoni.

Mike & Melody are Real Estate Agents at Charles Rutenberg Realty.

Phone: 727-644-1476 homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specialize in loan modification assistance and short sales in Dunedin Palm Harbor Clearwater Florida. Dunedin Palm Harbor Clearwater Loan Modification Help, Dunedin Palm Harbor clearwater Short Sales. Dunedin Palm Harbor Clearwater Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor. Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Mike & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Mike & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on Dunedin Short Sale Help: Another short sale almost killed by lender incompetence is provided as a courtesy to our viewers to help them make informed decisions.

Dunedin Short Sale Question: What Are My Options?

February 3, 2012
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Dunedin Short Sale Question: What Are My Options?


Dunedin FL – The Stop Foreclosure Insitute recently received a question from Denzel.

Here was his question. “I purchased my home in 2007 for 365,000 and put 18,000 down. Today I owe approximately 340000.

The mortgage is with Wells Fargo. No Second. The same size home is being sold by the builder brand new for 240,000 brand new.

I have to move for retirement, and don’t have a job lined up. What are my options. Denzel.”

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here was our answer to Denzel’s Question. I think a short sale would be your best option. Let me explain why.

First, in most cases the bank will forgive you of the upside down debt. Second, it is a clean break that allows you to move on without having to worry about the house anymore.

Many people would consider renting out their house. But, that will only turn your home into a long term burden. You will have to collect rent each month from the tenant and cover the mortgage if they don’t pay.

Besides, managing a rental home from another town is difficult. You won’t know how the tenants are maintaining it. It will be hard to rent the home to someone else after the move.

You will have to come back to town or hire someone else to rent it for you. This just means more expense and hassle for you. Again, which is why I recommend a short sale.

A third option is to simply stop paying on the home and let the bank foreclose. But, you end up with more credit damage versus if you short sold the home. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Mike & Melody Meoni.

Mike & Melody are Broker/Associates at Charles Rutenberg Realty.

Phone: 727-644-1476 homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specialize in loan modification assistance and short sales in Dunedin Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor. Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Mike & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

Dunedin Palm Harbor Clearwater Short Sales: Questions to ask before hiring a short sale agent

January 31, 2012
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Dunedin Short Sales: Questions to ask before hiring a short sale agent


Dunedin FL – The right agent can make the difference between success and failure on your short sale. You risk losing a lot when your agent doesn’t understand short sales. The short sale can be denied and the home foreclosed. Then you have to wait five years to buy another house. Or, the lender may ask you to repay the loss.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here are the questions I would ask an agent before hiring them.
Question #1: How many short sales have you listed and sold in the past 6 months? This is important because you want an agent who is up to date on all the potential issues. They should understand the short sale process from start to finish.

Question #2: In the past, what lenders have you negotiated short sales with? It is helpful when the agent you are interviewing has already done short sales with your lender. You know that they will already be familiar with your lender’s policies and procedures.

At a minimum, you should look for an agent with experience with Bank of America, Wells Fargo, and Chase. These are the most common short sale lenders.

Question #3: What can you tell me about my lender and how they work? A knowledgeable and experienced agent will usually know the specifics about your lender. They will be able to tell you what to expect in the process. They will know upfront if the lender is likely to ask for a promissory note or deficiency.

Question #4: What is your track record for success and failure on short sales you have handled in the past? Look at the agent’s track record. If they are hard working and diligent, then they will have a strong track record. That is good news for you.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Mike & Melody Meoni.

Mike & Melody are Broker/Associates at Charles Rutenberg Realty.

Phone: 727-644-1476 homesale@tampabay.rr.com.We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specialize in loan modification assistance and short sales in Dunedin Palm Harbor Clearwater Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor. Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Mike & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Mike & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on Dunedin Short Sales: Questions to ask before hiring a short sale agent is provided as a courtesy to our viewers to help them make informed decisions.

Dunedin Palm Harbor Clearwater Short Sales: Should you be embarrassed to short sale?

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Dunedin FL – Many people are embarrassed that they are short selling their house. They feel like they are somehow being dishonest or shady. Neither one of those is true. A lot of the people short selling today never had a blemish in their credit. They lived perfect, responsible financial lives. Then the real estate market crashed and left them owing way more than their home was worth.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

For years everyone had told them that couldn’t happen. Many of those people also lost their job for the first time in their life. You must remember, you are not alone. We are seeing as many short sales in the upper income brackets as the lower income brackets.

I will not be judgmental when you short sell with me. I deal with people from all walks of life. Some are high income. Others bought less expensive homes. Either way, it doesn’t matter to me. I see a short sale as a smart financial decision.

So I won’t be judging you. Instead, I’ll be congratulating you. Who wants to be burdened with a huge debt for the rest of your life? Not me. And neither should you. Here is why a short sale is a smart financial decision.

Let us say that you are upside down on a house by $100,000. (If you owe less than that, don’t laugh. Many people are upside down by that amount and more.) Repaying $100,000 over 30 years, will cost you $215,000. That is the $100,000 originally owed, along with $115,000 in interest payments.

What if instead of doing that, you put that money towards retirement? You could earn 5% interest on that money. $215,000 at 5% is $10,750 a year. Would that be helpful in retirement? That is one small reason I recommend short sales to my customers. You can get the upside down debt forgiven in a short sale.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Michael & Melody Meoni.

Michael & Melody are Broker/Associates at Charles Rutenberg Realty. Dunedin Short Sales Realtor:

Phone: 727-644-1476. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specializes in loan modification assistance and short sales in Dunedin Palm Harbor and Clearwwater Florida. Dunedin Palm Harbor Clearwater Loan Modification Help, Short Sales. Dunedin Palm Harbor and Clearwater Short Sale Realtor Dunedin Palm Harbor and Clearwater FL Short Sales. Dunedin Palm Harbor and Clearwater Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Michael & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Michael & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on Dunedin Short Sales: Should you be embarrassed to short sale? is provided as a courtesy to our viewers to help them make informed decisions.

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How To Ensure Accurate Appraisals And A Successful Dunedin Short Sale

January 30, 2012
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How To Ensure Accurate Appraisals And A Successful Dunedin Short Sal


Dunedin FL – The biggest threat to your short sale is a high appraisal. Which is why your agent needs to make sure the appraisal is accurate.

Here is the process your agent needs to follow to ensure an accurate appraisal.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

The person doing the appraisal doesn’t understand why the home is selling for a specific sales price. They don’t understand why buyers are only willing to pay X. That is why your agent must explain that to them.

First, your agent should always meet them at the property and bring a detailed Comparable Market Analysis (CMA) with them.

The CMA should include at least 3-5 comparable sold homes, 2-3 comparable homes currently under contact, and 3-5 active competing homes currently on the open market.

They should put together a detailed CMA using the sold comparable sales. They will give that CMA along with the actives and pendings to the person doing the appraisal.

They will ask them what they feel the value of the house is. Then, your agent should show them the MLS history and explain why the house is only selling for X.

The key with the CMA is to use the closest comps available. You can use 1-2 REO comps when a real estate agent is doing the appraisal. Appraisers want the closest geographic comps available.

A real estate agent will use your agent’s comps most of the time. An appraiser won’t do that very often. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Michael & Melody Meoni.

Michael & Melody are Broker/Associates at Charles Rutenberg Realty. Dunedin Short Sales Realtor:

Phone: 727-644-1476. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specializes in loan modification assistance and short sales in Dunedin Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Michael & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Michael & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on How To Ensure Accurate Appraisals And A Successful Dunedin Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

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Can a Dunedin-Palm Harbor-Clearwater Realtor Help How Me When I’m Facing Foreclosure?

December 15, 2011
Comments 0

Dunedin FL – While most people think of realtors as a person you turn to only when you’re buying or selling a home; many don’t realize that a realtor’s expertise in the housing industry can help you in other ways also. If you are facing possible foreclosure, turning to a realtor for help may be one of the smartest options to choose.

While realtors can’t give legal advice about handling foreclosures, they can show you many options that are available to you as both a home owner facing possible foreclosure and as a possible home buyer if you should have to release your home to the lender.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

1.) The right Dunedin realtor will know the area well and be able to guide you as to how others in your situation in the same area have handled similar circumstances.

2.) A realtor can explain “Short Sales” to you; which could be an option for you depending upon your situation.

3.) Your realtor should be able to explain possible options for re-financing, doing a “short sale”, seeing if a loan modification is an option or perhaps even a mortgage forbearance. There may be other possible options available in your area; including any governmental or non-profit organizations that may be able to help.

4.) Working with one realtor you can trust will not only establish a friend with useful information, but they will be there after the foreclosure when you’re going to need to know where to turn. They will have options available for you from rental units to get you through this tough spot, to possibly even purchasing a new home. You may be surprised at the options available. Having someone experienced in the business will be a plus no matter which direction you go once you finish the foreclosure process.

5.) Find a realtor in the Dunedin area that truly cares. Yes, we are realtors to make money; it is our job. But we are also human beings and should remember to work with you while making you feel as good as possible with the options you may have. Perhaps this is a dark moment for you and your family but the truth is, if you have a good realtor you should have a good chance at finding a decent home, either as a rental or other possible ways of purchasing it. That’s where an experienced realtor comes in… we know the “other possible ways” out there.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 202-243-5400

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Mike & Melody Meoni.

Mike & Melody are Broker/Associates at Charles Rutenberg Realty.

Phone: 727-738-0755. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specialize in loan modification assistance and short sales in Dunedin Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor. Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Mike & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Mike & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on How Can a Dunedin Realtor Help Me When I’m Facing Foreclosure? is provided as a courtesy to our viewers to help them make informed decisions.

When A Bank Should Accept A Buyer’s Offer To Buy A Dunedin-Palm Harbor-Clearwater Short Sale

December 7, 2011
Comments 0

When A Bank Should Accept A Buyer’s Offer To Buy A Dunedin-Palm Harbor-Clearwater Short Sa


Dunedin FL – A bank should accept your short sale when the following rules apply. All banks and servicers have a fiduciary duty to the investor of the loan.

If they own the loan themselves, they have a fiduciary duty to their stockholders. The duty is to get that investor the most money possible.

So, a lender should accept an offer if it will net the most money.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

The answer is that it is unlikely that any of that will happen.

Here is how we can assure the negotiator that the offer will net them the most money. Your only job is to prove that to the lender.

Do that by showing them that the property has been on the open market for 60-90 days. It is best to be able to show that the house was easy for buyers to see and other agents to show.

Ask them the following, “The agent selling the home is an experienced agent. The house has been on the market for X number of days. I have lived here the entire time and kept up on the house.

It looks good. We have had 43 showings since it’s been on the market. Out of that, only 3 buyers expressed interest. Out of those 3 buyers, the current buyer is the one willing to pay the most money.

The agent is doing their job marketing the property. With the current foreclosure case status, the home won’t be foreclosed until June or July. When you foreclose on the house, I will move out.

I won’t be keeping the house up anymore. The new listing agent will be working on 20 other homes and won’t be able to do as good of a job as myself. Do you honestly think the home is going to sell for more money at that time?”

When you ask them that, they won’t be able to argue with you. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Michael & Melody Meoni.

Michael & Melody are Broker/Associates at Charles Rutenberg Realty. Dunedin Short Sales Realtor:

Phone: 727-644-1476. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specializes in loan modification assistance and short sales in Dunedin Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Michael & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Michael & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on When A Bank Should Accept A Buyer’s Offer To Buy A Dunedin Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

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Dunedin-Palm Harbor-Clearwater Short Sales: I’m Sick And Tired And I’m Not Taking It Anymore!

December 1, 2011
Comments 0

Dunedin Short Sales: I’m Sick And Tired And I’m Not Taking It Anymore!


Dunedin FL – We recently received an e-mail from another agent that was having a hard time with a short sale.

“I have been working this short sale file for 4 months. There has been “no movement” no responses from the bank, no closing date.

The Jan. 30th date just continues to trickle closer and closer leaving the sickened buyers more upset and almost at their wits ends.”

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here is what we do when we get frustrated with short sales. We send out press releases and contact the bank’s CEO. If employees are dragging their feet, then you need to apply pressures elsewhere!

We had a short sale with a large national lender. We sent a fax to the CEO and got a response the next day. We are currently running a big press blitz against another lender.

They have dragged their feet on a short sale on a Veteran’s Administration Insured loan. As a result, a US Veteran risks losing his house to foreclosure.

This lender has the right to decide to do a lousy job. But, they also risk alienating themselves from the 27 million veterans in the US.

And we are going to let those veterans know what’s happening. We put together the facts on the story. We are going to fax the story to every single VFW post in the US.

Sometimes you have to do something to get their attention! Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Michael & Melody Meoni.

Michael & Melody are Broker/Associates at Charles Rutenberg Realty. Dunedin Short Sales Realtor:

Phone: 727-644-1476. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specializes in loan modification assistance and short sales in Dunedin Florida. Dunedin Loan Modification Help, Dunedin Short Sales. Dunedin Short Sale Realtor Dunedin FL Short Sales. Dunedin Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Michael & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Michael & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on Dunedin Short Sales: I’m Sick And Tired And I’m Not Taking It Anymore! is provided as a courtesy to our viewers to help them make informed decisions.

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Why Your Agent Should Check That Appraisals Are Accurate For Your Dunedin-Palm Harbor-Clearwater Short Sale

November 22, 2011
Comments 0


Dunedin FL – The biggest threat to your short sale is a high appraisal. Which is why your agent needs to make sure the appraisal is accurate.

There are a lot of opinions on how to ensure the appraisal is correct and accurate. You need to check and make sure your agent is willing to do the extra work.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

I will tell you what happened to an agent that decided it was too much work. This agent decided not to do the extra work. Then, short sales started getting turned down for no reason at all.

This agent thought they were doing everything right. They couldn’t see how they were doing wrong. The buyers were only willing to offer so much and the bank only willing to accept so little.

The buyer’s offers were higher than the property would have sold for after being foreclosed on by the bank. So they kept turning down the buyer’s offers. “We think the house is worth 300k”, they would say.

“But, we think the house is worth 250k”, replied the buyers. The short sales became more and more difficult.

Here is the good news. Now this agent checks to make sure every single appraisal is accurate. Today most of their short sales are being approved.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at homesale@tampabay.rr.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 727-644-1476

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Dunedin loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Michael & Melody Meoni.

Michael & Melody are Broker/Associates at Charles Rutenberg Realty. Dunedin Short Sales Realtor:

Phone: 727-644-1476. homesale@tampabay.rr.com.

We sell homes on the water, off the water and even under water!

View My homes for sale at www.meoniteam.com.

Mike & Melody Meoni specializes in loan modification assistance and short sales in Dunedin-Palm Harbor-Clearwater Florida. Dunedin-Palm Harbor-Clearwater Loan Modification Help, Dunedin-Palm Harbor-Clearwater-Palm Harbor-Clearwater Short Sales. Dunedin-Palm Harbor-clearwater Short Sale Realtor Dunedin-Palm Harbor-
Clearwater FL Short Sales. Dunedin-Palm Harbor-Clearwater Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Michael & Melody Meoni, Charles Rutenberg Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Michael & Melody’s personal views and do not reflect the views of Charles Rutenberg Realty.

This information on Why Your Agent Should Check That Appraisals Are Accurate For Your Dunedin Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

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