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<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/atom10full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><feed xmlns="http://www.w3.org/2005/Atom" xmlns:openSearch="http://a9.com/-/spec/opensearch/1.1/" xmlns:blogger="http://schemas.google.com/blogger/2008" xmlns:georss="http://www.georss.org/georss" xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr="http://purl.org/syndication/thread/1.0" gd:etag="W/&quot;C08ESHw_fCp7ImA9WhBaE0g.&quot;"><id>tag:blogger.com,1999:blog-23734800</id><updated>2013-05-23T19:30:09.244-04:00</updated><category term="home staging" /><category term="new florida law allows associations to collect dues from tenants" /><category term="brevard county florida foreclsoures" /><category term="real estate agent baytree" /><category term="breavrd county mortgage lenders" /><category term="Healt First hospital Viera" /><category term="homes sales brevard county" /><category term="century 21 rockedege" /><category term="pricing short sales" /><category term="market report viera may 2008" /><category term="homes for sale in chelsea park" /><category term="what is a short sale" /><category term="Cocoa Village" /><category term="golf course condos in rockledge" /><category term="brevard county real estate real estate agent in viera" /><category term="homes for sale in sonoma" /><category term="rea" /><category term="What is the value of my viera house" /><category term="market report viera March 2012" /><category term="fitness center viera" /><category term="deed in lieu" /><category term="is it better to pay cash for a house" /><category term="viera florida realtor" /><category term="2012 Home buyer survey" /><category term="brevard county florida real estate market in 2010" /><category term="short sale brevard county." /><category term="selling your suntree house" /><category term="Short sale rockeldge" /><category term="how to check for sexual offenders in 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/><category term="real estate blog florida" /><category term="strategic default" /><category term="need short sale agent viera" /><category term="viera homes for sale 1 acre lots" /><category term="calculate property tax in viera" /><category term="FSBOs in Viera" /><category term="why hire a realtor" /><category term="homes for sale in phillips landing" /><category term="viera rentals" /><category term="buy a house in melbourne florida" /><category term="real estate agent melbourne fl" /><category term="security deposits" /><category term="realtor cocoa beach" /><category term="viera sellers agent" /><category term="Century 21 Florida" /><category term="short sale realtor" /><category term="new homes 55+ community viera" /><category term="short sale brevard county" /><category term="realtor baytree" /><category term="viera help foreclosure" /><category term="homes for sale brevard county" /><category term="heritage isle homes for sale" /><category term="when should I buy a house" 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term="foreclosure sales brvard county florida" /><category term="real estate agent brevard county" /><category term="mortgage interest rates" /><category term="bayhill home for sale" /><category term="real estaet agent viera" /><category term="short sales rockeldge" /><category term="bargains in suntree" /><category term="ashwood lakes homes for sale" /><category term="suntree market report march" /><category term="how to sell your house with an open house" /><category term="turtle creek fairway homes" /><category term="homes sold brevard county august 2009" /><category term="online ral estate ads viera" /><category term="Good bones" /><category term="getting a house ready to sell" /><category term="home prices in brevard county" /><category term="three Ps" /><category term="market report charolais" /><category term="indigo crossing for rent" /><category term="Gary Waters Realtor" /><category term="garyw aters rockeldge" /><category term="market report september 2009 suntree" 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/><category term="home loans rockledge" /><category term="brevard county homes sold april 2009" /><category term="buying a house in phillips landing" /><category term="cenury 21 viera" /><category term="real estate deals viera" /><category term="turtle creek golf course town house for sale" /><category term="to open or not" /><category term="viera 55+ rental available" /><category term="real estate blog brevard county florida" /><category term="selleing your rockledge home" /><category term="market report rockledge may 2008" /><category term="real estate blog in melbourne" /><category term="how do I do a short sale" /><category term="viera condo sales" /><category term="gated golf course homes for sale in Melbourne" /><category term="homes for rent 55+" /><category term="grand isle viea" /><category term="short sale report april 2009" /><category term="viera pool homes for sale" /><category term="housing market brevard county florida" /><category term="viera florida real estate agent" 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a real estate agent in suntree" /><category term="guest blogger welcome" /><category term="choosing  your real estate agent" /><category term="FSB Rockledge" /><category term="real estate blog viera" /><category term="new homes viera" /><category term="homes fro sale suntree" /><category term="Heritage Isle new homes" /><category term="viera short sale" /><category term="gary waters relator" /><category term="one acre lot rockledge florida" /><category term="melborune florida homes for sale" /><category term="homes for sale in baytree" /><category term="Heritage Isle homes sold" /><category term="plantation point rockledge" /><category term="tenant placement viera" /><category term="first time buyer melbourne" /><category term="indian river colony club viera" /><category term="melbourne 55+ community" /><category term="how much are houses selling for in melbourne florida" /><category term="prices of short sales in brevard county" /><category term="stop foreclpsure viera" /><category term="sell your viera condo" /><category term="2011 brevard county market" /><category term="As is contract" /><category term="fisrt time buyer viera" /><category term="selling home in viera" /><category term="chelsea park homes fro sale" /><category term="loan process" /><category term="55+ communities melbourne florida" /><category term="real estaet blog viera" /><category term="I will sell your brevard county florida house" /><category term="IRCC home sales" /><category term="vier aflorida real estate agent" /><category term="real estate agent in rockledge" /><category term="market report Viera April 2012" /><category term="listing interviews" /><category term="real estate agent rockeldge" /><category term="buy home in melbourne fl" /><category term="55+ communities brevard county" /><category term="brevard county proeprty appraiser" /><category term="viera raltor" /><category term="rockledge reject housing project" /><category term="oct 2010 homes sold in melbourne fl" /><category term="first time buyer viea" /><category term="melbourne pool homes for sale" /><category term="rockledge condo communities" /><category term="jan 2009 market report brevard florida" /><category term="gated community viera" /><category term="zip code 32940" /><category term="melbourne realtor" /><category term="patrick air force base realtor" /><category term="should i sell my suntree house" /><category term="comparable market analysis" /><category term="brevard county short salles" /><category term="viera renters agent" /><category term="rockledge florida real estaet agent" /><category term="moving ro viera" /><category term="August 2011 Viera home sales" /><category term="how much house should I buy" /><category term="Bank of America short sales" /><category term="selling your house in rockledge" /><category term="melbourne florida resales" /><category term="heritage isle realtor" /><category term="bank owned property viera" /><category term="gary waters real estaet agent" /><category term="viera market report august 2008" /><category term="charity" /><category term="what are hosues in brevard selling for" /><category term="summer lakes foreclosures" /><category term="grand isle real estate agnent" /><category term="melbourne florida foreclosures" /><category term="Brevard County mortgage lenders" /><category term="brevard county florida real estate review" /><category term="480 barnes blvd" /><category term="New COndo Rockledge" /><category term="hoa rules viera" /><category term="brvard county real estate sales October 2010" /><category term="getting your viera house ready to sell" /><category term="capron ridge viera" /><category term="buy a home in rockldge florida" /><category term="sell my house in viera" /><category term="sell my houses in brevard county florida" /><category term="Viera FSBO" /><category term="buy a house in rockledge" /><category term="vacant land for sale barnes blvd" /><category term="heritage isle homes sold november 2011" /><category term="under contract" /><category term="FSBO Rockledge" /><category term="rockeldge short sales" /><category term="real estaet prices in rockledge" /><category term="florida homes for sale" /><category term="what happens when shuttle ends" /><category term="real estate secrets" /><category term="selling your cocoa home" /><category term="melbourne new homes for sale" /><category term="choosing a realtor in brevard county" /><category term="Slogans sell houses" /><category term="finding a home in viera" /><category term="viera real estate sales" /><category term="sunset bay" /><category term="why blog" /><category term="grand isle market report November 2011" /><category term="Brevard county market report july 2008" /><category term="palm bay short sales" /><category term="making an offer on viera home" /><category term="bad staging" /><category term="realtor breevard county" /><category term="selling your house in florida" /><category term="suntree real estate agent" /><category term="how to set list price when selling your viera house" /><category term="how to select a real estate agent in viera" /><category term="887 brunswick lane" /><category term="Indigo Crossing" /><category term="summer lakes sales" /><category term="foreclosures for sale viera" /><category term="real estate investors" /><category term="home prices in viera" /><category term="Ali" /><category term="buyer questions" /><category term="buying a condo on merritt island" /><category term="seller agent short sale" /><category term="home prices in brevard county florida" /><category term="rockledge golf course homes for sale" /><category term="buying a viera house" /><category term="census data 2010" /><category term="indialantic house values" /><category term="Homes for sale in Grand Isle" /><category term="stimulus plan impact on viera" /><category term="short suntree" /><category term="retired military relocation viera" /><category term="buying a short sale melbourne" /><category term="homes for sale phillips landing" /><category term="short sales January 2012" /><category term="should II sell my house" /><category term="melbourne florida 55+ communities" /><category term="turtle creek rockledge" /><category term="phillips landing homes fro sale" /><category term="55+ communities brevard" /><category term="houses for sale in phillips landing" /><category term="suntree townhouses for sale" /><category term="risk management" /><category term="melbourne florida raltor" /><category term="which school do i go to in viera" /><category term="short sale in palm bay" /><category term="55+ condos in viera" /><category term="brevard county florida real estate market" /><category term="ajc lending" /><category term="find a real estate agent melbourne florida" /><category term="how do you price a home to sell" /><category term="selling your suntree florida house" /><category term="help sell my rockledge house" /><category term="ashwood lakes home for sale" /><category term="wojac nursery" /><category term="sunstone homes for sale" /><category term="seller agent rockledge" /><category term="good schools in brevard county" /><category term="short sales in rockledge" /><category term="buying a house in viera" /><category term="determine homes value" /><category term="April 2012 market report" /><category term="real esate agent viera" /><category term="buying a new house in viera" /><category term="golf course homes for sale melbourne" /><category term="buy a shourt sale in brevard county" /><category term="get what you want for your house" /><category term="golf course homes for sale in veira" /><category term="suntree buyers agent" /><category term="biuong a home in viera" /><category term="housing market melbourne florida" /><category term="viera retirement community" /><category term="find a real estate agent melbourne" /><category term="real estat eagent viera florida" /><category term="selling your home is competition" /><category term="ravencliffe viera" /><category term="982 miracle way" /><category term="homes for sale heritage isle" /><category term="words to sell your house" /><category term="Orlando Sentinel" /><category term="fsbo seller advertise" /><category term="buying house in viera" /><category term="isle of baytree" /><category term="un-realistic seller" /><category term="Average Sales prices November 2011" /><category term="homes for sale in suntree" /><category term="market report viera june 2009" /><category term="realtor mebourne" /><category term="moving to brveard" /><category term="ventura at turtle creek condos" /><category term="help sell your viera house" /><category term="real estate agentbrevard county" /><category term="November 2011 home sales" /><category term="buying listings" /><category term="short sales in brevard county florida" /><category term="real estate blog orlando fl" /><category term="suntree homes sold" /><category term="new construction in rockledge" /><category term="movin to viera" /><category term="help with buying a house in viera" /><category term="Market report brevard county august 2009" /><category term="brevard short sales" /><category term="buy a brevard county house now" /><category term="real estate blog melbourne" /><category term="IRCC viera" /><category term="who pays the buyers agent" /><category term="moviung to brevard county" /><category term="short sale process" /><category term="buy a condo in florida" /><category term="HUD approved condo communities" /><category term="homes sold in brevard in oct 2010" /><category term="motivated seller viera" /><category term="short sale deals rockledge" /><category term="homes ofr sale in heritage Isle" /><category term="Heritage Isle market report March 2012" /><category term="buying a house in brevard county" /><category term="sell my vier ahouse" /><category term="baytree golf course homes" /><category term="melbourne realtors" /><category term="selling your viera house as a fsbo" /><category term="short sales wyndham at duran" /><category term="seller property disclosure FLorida" /><category term="brvard county market report april 2009" /><category term="mortgage loan viera" /><category term="real estate scams" /><category term="short sales florida" /><category term="what are short sales" /><category term="I am being foreclosed viera" /><category term="viera indigo crossing" /><category term="for sale by owner rockledge" /><category term="century 21 vieracentury 21 rockeldge" /><category term="home for sale in west viera" /><category term="homes for sale in charolais estates" /><category term="gated condos in rockledge" /><category term="condos heriatge isle" /><category term="Auburn Lakes in Viera" /><category term="help me sell my phillips landing home" /><category term="buying a house in suntree" /><category term="realtors in rockledge" /><category term="short sales rockledge" /><category term="short sale" /><category term="viera new homes for sale" /><category term="melbourne florida real estate agent" /><category term="selling your home during the holidays" /><category term="real estate blogs viera" /><category term="viera homes sold september 2008" /><category term="homes for sale veira" /><category term="deals in rockldge" /><category term="gary waters" /><category term="retirement communities in Brevard County" /><category term="realtor cocoa florida" /><category term="prevent foreclosure viera" /><category term="real estate agent florida" /><category term="ventura at turtle condos for sale" /><category term="first time buyer florida" /><category term="bella vista rockledge" /><category term="melbourne florida" /><category term="foreclosures for sale in viera" /><category term="rockledge real estate market report" /><category term="retirement communities viera" /><category term="price values viera" /><category term="capron ridge homes for sale" /><category term="residential sales in Brevard County November 2011" /><category term="rockledge florida houses for sale" /><category term="buy a short sale in viera" /><category term="real estate agent in viera" /><category term="movng to viera" /><category term="melbourne florida real estaet agents" /><category term="Viera behind in payment" /><category term="century rockledge" /><category term="real estate prices in brevard country" /><category term="homes for sara" /><category term="phillips landing market report" /><category term="pre-listing home inspections" /><category term="selling your brevard county florida house" /><category term="distressed properties in brevard county" /><category term="viera fsbo help" /><category term="price changes rockledge florida" /><category term="heritage isle market report january 2009" /><category term="how to buy a home" /><category term="Satellite beach house values" /><category term="real estate agentviera" /><category term="advising on real estate matters" /><category term="reo owned properties viera" /><category term="wanted turtle creek condo" /><category term="isles of baytree" /><category term="garted community 55+ florida" /><category term="how long to sell a house" /><category term="buy a house in chelsea park" /><category term="short sales in florida" /><category term="ventana homes for sale" /><category term="mvoing to viera" /><category term="downsize house in viera" /><category term="realtors who work with fsbo" /><category term="55+ communities viera" /><category term="RV storage in Viera" /><category term="real estate for sale viera" /><category term="condos for sale in viera" /><category term="condo for rent suntree" /><category term="sell your brevard county condo" /><category term="plantation point viera" /><category term="houses for sale in rockledge fl" /><category term="December market report brevard county" /><category term="relocating to brevard county" /><category term="real estate information brevard county" /><category term="September real estate sales in Brevard County" /><category term="moving to melbourne fl" /><category term="market report rockledge 2009" /><category term="expired listings suntree" /><category term="roeal estate agent rockledge" /><category term="homes fro sale in Heritage Isle" /><category term="golf course homes rockeldge" /><category term="rockledge real estaet agent" /><category term="marketing your baytree home" /><category term="how to sell a house" /><category term="chelsea park short sales" /><category term="viera florida real estate" /><category term="town homes in viera" /><category term="merritt island homes for sale" /><category term="negotiate your real estate offer" /><category term="buyers agent rockeldge" /><category term="real estate  appraisals" /><category term="Brevard County Florida homes for sale" /><category term="buyres agent viera" /><category term="veira homes for sale" /><category term="market report brevard county june 2009" /><category term="homes sold brevard county florida july 2010" /><category 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/><category term="grand isle market report 2010" /><category term="fsbo agent help" /><category term="realtor veria" /><category term="buying a house in melbourne" /><category term="what to offer on a house" /><category term="DIY gone bad" /><category term=". viera realtor" /><category term="realtor safety" /><category term="how much to offer for the house" /><category term="rockledge drive" /><category term="rentals rockledge" /><category term="buying new home in viera" /><category term="send me your questions" /><category term="viera real estate agents" /><category term="GWU graduate" /><category term="viera rental available" /><category term="need relator in viera" /><category term="rockledge florida homes sold in november" /><category term="rental market viera" /><category term="chelsea park home for sale" /><category term="should i have a home inspection" /><category term="viera buyer's agent" /><category term="mebourne homes for sale" /><category term="selling viera house" /><category term="add pool or not" /><category term="condos for sale rockledge florida" /><category term="55+ condo community viera" /><category term="golf course homes for sale in melbourne florida" /><category term="rockledge bargains" /><category term="mortgage interest at closing" /><category term="july 2011 homes sold in viera" /><category term="pro health viera" /><category term="what is my viera house worth" /><category term="selling as a short sale in brevard county" /><category term="grand isle rentals" /><category term="pool home for sale viera" /><category term="viera investor" /><category term="retired military relocation melbourne" /><category term="auburn lakes viera" /><category term="Century 21 Rockledge Florida" /><category term="heritage isle in viera" /><category term="turtle creek homes" /><category term="may 2012 market report" /><category term="real estate agents in viera" /><category term="auburn lakes market report" /><category term="cost effective remodeling" /><category term="homes for sale in viera 55+ community" /><category term="Viera Realtor" /><category term="inspection contingency" /><category term="Brevard MLS" /><category term="sell my rockledge florida home" /><category term="real estate agent discount offer" /><category term="phillips landing in rockledge florida" /><category term="viera golf course homes" /><category term="real estate marketing" /><category term="investors in brevard county real estate" /><category term="ventuar at turtle creek" /><category term="REO Brevard" /><category term="Baytree Golf Course" /><category term="seller's agent rockledge" /><category term="houses for sale in suntree" /><category term="brevard real estate agent" /><category term="open house the hamlet" /><category term="real estate sales brevard county november 2009" /><category term="sell my house in suntree" /><category term="what does as is really mean" /><category term="april market report suntree" /><category term="homes for sell in 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/><category term="rental in grand isle" /><category term="homes sold brevard county June 2008" /><category term="sales zip code 32955" /><category term="rockledge reantals" /><category term="viera hoems for sale" /><category term="grand isle" /><category term="heritage isle rental homes" /><category term="moving to brvard" /><category term="selling your ho viera house" /><category term="selling rockledge home" /><category term="55+ communities  Rockledge" /><category term="viera florida sales trend" /><category term="sellers agent Baytree" /><category term="help me sell my house in brveard county" /><category term="FLorida retiremnt communities" /><category term="first time seller" /><category term="cocoa beach condos for sale" /><category term="writing realtor" /><category term="reo viiera" /><category term="is a short sale right for you" /><category term="admiralty lakes townhouses for sale" /><category term="how much does a house in viera cost" /><category term="sort sales sold 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/><category term="viera homes for sale.viera sellers agent" /><category term="findinga lender inviera" /><category term="buyers agent brevard county" /><category term="short sales viera florida" /><category term="turtle creek townhouse for sale" /><category term="viera houses for sale" /><category term="breavrd county florida ral estate agent" /><category term="November Monthly Indicators" /><category term="September 20008 Brevvard County home sales" /><category term="pineda causeway homes for sale" /><category term="buying a fsbo" /><category term="brevard homes sold" /><category term="need a viera real estate agent" /><category term="selling your brevard county home.real estate agent brevard county" /><category term="buying from a fsbo in viera" /><category term="should i inspect my house before listing" /><category term="real estate agent brveard county" /><category term="sunset bay short sales" /><category term="real estate agent  baytree" /><category term="brvard county real 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term="indigo crossing short sales" /><category term="first time home buyer brevard county florida" /><category term="brevard county market report november 2009" /><category term="florida condos for sale" /><category term="who pays the real estaet agent" /><category term="vera realty" /><category term="real estate agent Viera" /><category term="real estate agent palatka" /><category term="55+ homes viera" /><category term="cocoa beach florida homes for sale" /><category term="what is the value of my viera condo" /><category term="compare viera schools" /><category term="market report brevard county florida" /><category term="florida real estate" /><category term="builder lease back viera" /><category term="buyer agent rockledge" /><category term="breavrd county short sale" /><category term="homes sold brevard county december 2009" /><category term="viera high school" /><category term="marketing your viera home" /><category term="rockledge realtor.real estate agent viera" /><category term="real estate agents in rockledge" /><category term="brevard county florida real estate listings" /><category term="real estaet agent in melbourne florida" /><category term="homes sold brevard county october 2009" /><category term="baytree national golf links" /><category term="expiring listings Suntree" /><category term="viera market report january 2009" /><category term="cleaning for a reason" /><category term="cocoa beach homes for sale" /><category term="condos for sale in heritage isle" /><category term="homes for sale in florida 55+ communities" /><category term="veira realty" /><category term="first time home buyers viera" /><category term="selling your viera florida house" /><category term="baytree homes" /><category term="palces of worhsip in viera" /><category term="selling your baytree house" /><category term="condos fro sale viera" /><category term="rockledge buyers agent" /><category term="dates on contract" /><category term="houses for sale in viera florida" /><category term="brevard homes for sale" /><category term="mortageg balout" /><category term="va and fha buyers in brevard county" /><category term="55+ rental in viera" /><category term="melboure florida realtor" /><category term="short sale baytree" /><category term="florida housing prices bottom out" /><category term="bank owned proeprties viera" /><category term="sellers agent suntree" /><category term="heritage isle mebourne florida" /><category term="how much do houses cost in heritage isle" /><category term="negotiating strategies fro real estate buyers" /><category term="heritage isle short sales" /><category term="realtor suntree" /><category term="capron ridge" /><category term="Ventura at Turtle Creek January 2012" /><category term="do I have to sell my appliances with my house" /><category term="deferred maintenance" /><category term="vieral realty agent" /><category term="homes fro sale in brevard county" /><category term="homes sold april 2008 brevard county" /><category term="brevard county real estate agent" /><category term="finding a good neighborhood in suntree" /><category term="relocating to brevard county florida" /><category term="realtor heritage isle" /><category term="real estate descriptions" /><category term="real estate agentviea" /><category term="selling your bviera home" /><category term="selling your brevard county house" /><category term="why reduce list price" /><category term="short sales capron trace" /><category term="rockeldge homes for sale" /><category term="Viera florida ral estate" /><category term="preparing to sell your viera house" /><category term="homes for sale in viera" /><category term="what does a blog do" /><category term="property taxes brevard county" /><category term="rockeldge raltor" /><category term="buying a short short sale" /><category term="market report bayhill" /><category term="baytree real estate agent" /><category term="help sell my viera house" /><category term="pricing a shourt sale" /><category term="average price brevard county florida homes" /><category term="golf course homes for sale suntree" /><category term="should i buy a fsbo" /><category term="buying a house as is" /><category term="what is a townhouse" /><category term="short sales in viera area" /><category term="need real estaet agent in viera" /><category term="5% real estate commission viera" /><category term="brevard county florida real estaet market" /><category term="geritage isle" /><category term="indigo crossing home prices" /><category term="questions to consider when buying a home" /><category term="buyers agent suntree" /><category term="difference between short sale and foreclosure" /><category term="heritage isle viea real estaet agent" /><category term="sellers agent in viera" /><category term="rules for buying" /><category term="ashwood lakes" /><category term="real estae agent brevard county" /><category term="hiring a real estate agent" /><category term="home prices viera" /><category term="do bonues help sell" /><category term="sctive lifestyle communities Viera" /><category term="buying a flat in FLorida" /><category term="offers and counter offers in florida real estate" /><category term="Augusta Trace subdivision" /><category term="real estate agent palm bay" /><category term="executive short sales viera" /><category term="buy a house in heritage isle" /><category term="Ashley Okland" /><category term="market report heritage Isle" /><category term="March 2012 market report" /><category term="heritage isle 55+ community" /><category term="real estate trivia brevard county" /><category term="seller preparation" /><category term="buy now in Brevard County" /><category term="pricing my house to sell" /><category term="how to sell you house" /><category term="shopping in viera" /><category term="health care facilities" /><category term="pool home rockledge" /><category term="viera ral estate agent" /><category term="real estate agent to help sell my viera house" /><category term="FHA loan requirements" /><category term="brevard county high schools" /><category term="rockledge real estate agent" /><category term="chelsea park in rockledge" /><category term="short sales suntree.viera realtor" /><category term="heritage home prices" /><category term="supply and demand" /><category term="heritage isle viera homes sold" /><category term="66+ communities" /><category term="do all homes in veira have associations" /><category term="why expired" /><category term="brevard county home sales february 2011" /><category term="viera real estaet infromation" /><category term="real estaet agent melbourne florida" /><category term="pool" /><category term="beachfront property cocoa beach" /><category term="MLS not matching property" /><category term="baytree townhomes" /><category term="buyers agent viera" /><category term="returement communities Florida" /><category term="who buys condos" /><category term="homes sold viera west" /><category term="sell my ashwood lakes home" /><category term="buying a home in Brevard County Florida" /><category term="first time home buyer in viera" /><category term="foreclosure rockledge" /><category term="need real estate agent in viera" /><category term="ventana rocklaedge" /><category term="selling a house in brevard county" /><category term="should i have a home inspection done" /><category term="heritage isle viera" /><category term="schools rockledge" /><category term="REO Property Suntree" /><category term="google maps" /><category term="realtor veiera" /><category term="sell a house inviera" /><category term="raltor rockledge" /><category term="sell your rocklledge house" /><category term="web links for Brevard County" /><category term="homes sold in brevard county in january" /><category term="chelse park rockeldge" /><category term="viera house for sale" /><category term="buyiers agent viera" /><category term="gated community viea" /><category term="55+ communities in melbourne" /><category term="viera home sales in september" /><category term="rockledge home sales" /><category term="gated Melbourne golf course home" /><category term="homes sold in charolais estates" /><category term="sales report brevard homes january 2009" /><category term="buyers are lucky" /><category term="homes for sale rockeldge" /><category term="fsbo help for viera sellers" /><category term="real estate agent rockledge florida" /><category term="rental properties Brevard County" /><category term="feedback on your house" /><category term="buying viera house" /><category term="selling your rockledge house" /><category term="short sale sin brevard county" /><category term="sell your house in suntree" /><category term="bank sale viera" /><category term="negatives to buying in florida" /><category term="buying a home in Melbourne Florida" /><category term="veira realtor" /><category term="cape canaveral condos for sale" /><category term="hoa in suntree" /><category term="realtor Rockledge" /><category term="gated golf homes" /><category term="homes for sale in viera high district" /><category term="veria real estaet agent" /><category term="Suntree short sale" /><category term="short sales in cocoa beach" /><category term="Fairways Lakes" /><category term="real estate market september 2010 brevard county" /><category term="good neighborhoods in rockledge" /><category term="buying distressed property in brevard county florida" /><category term="home selling help in viera" /><category term="for sale by owner viera" /><category term="selling your viera condo" /><category term="open house rockledge" /><category term="viera real estate magazine" /><category term="rental Turtle Creek golf course" /><category term="construction permits Brevard COunty" /><category term="viera homes for sale one acre lotone acre lot homes viera" /><category term="homes for rent viera" /><category term="55+ community viera" /><category term="florida retirement communities" /><category term="homes for sale rockledge" /><category term="viera information" /><category term="real estate agent melobourne" /><category term="Viera condos" /><category term="selling my brevard county home" /><category term="real estate bargains in Melbourne" /><category term="condos heritage ise" /><category term="augusta trace market report" /><category term="foreclsoure condos in merritt island" /><category term="choosing a real estate agent" /><category term="SOAP method" /><category term="sell for the most money now" /><category term="rockledge rental" /><category term="return on investment home improvement" /><category term="does it help sell if i offer a bonus" /><category term="market report july 2009 viera" /><category term="grand havenhomes for sale" /><category term="2011 vs 2010 residential sales" /><category term="golf course homes for sale at Wyndam" /><category term="viera first time home buyer" /><category term="November 2012 Market report" /><category term="grand isle for slae" /><category term="home improvements that sell" /><category term="viera homes prices october 2009" /><category term="moving to florida" /><category term="55+ communities inviera" /><category term="viera foreclosures" /><category term="moving company viera" /><category term="condos cocoa beach" /><category term="buy a house in suntree" /><category term="brevard county foreclsoures" /><category term="buy a baytree home" /><category term="55+ community rental" /><category term="custom built homes" /><category term="short sale rockledge florida" /><category term="auburn lakes inviera" /><category term="homes for pennies on the dollar" /><category term="heritage isle sales history" /><category term="selling my suntree home" /><category term="find a real estate agent in viera" /><category term="sell your brevard county house" /><category term="brevard county home prices" /><category term="heritage isle condos for sale" /><category term="suntree fsbo seller" /><category term="flippers in brevard county" /><category term="down payment" /><category term="467 stonehenge circle rockldege" /><category term="viera heritage isle" /><category term="viera homes for sale retirement" /><category term="market report brevard county august 2010" /><category term="july 2011 homes sold" /><category term="condo sales in Brveard County November 2011" /><category term="florida pool homes" /><category term="should I buy a house now" /><category term="april 2009 market report rockledge" /><category term="FSBO Suntree" /><category term="average price of house in heritage isle" /><category term="buyers agent brevard county florida" /><category term="viera real esate agent" /><category term="renting your viera home" /><category term="march 2011 home sales in brevard county" /><category term="selling your rockledge home" /><category term="move to viera" /><category term="best paint colors for selling a house" /><category term="dev=cember housing sales brevard county florida" /><category term="grand isle market summary July 2010" /><category term="estate egnet viera" /><category term="real estate agent who works in phillips landing" /><category term="Suntree market report" /><category term="summer lakes real estate agent" /><category term="houses for sale in viera" /><category term="sales report brevard county" /><category term="open house christopher drive" /><category term="determining an offer price" /><category term="should I buy new in viera" /><category term="moving to brevard county.gary waters realtor" /><category term="short sale specialist viera" /><category term="open house october 19 rockeldge" /><category term="Summer Lakes" /><category term="how to make an offer that will get accepted" /><category term="title insurance viera" /><category term="spring training viera" /><category term="selling my cooca fl house" /><category term="realtor killed in Iowa" /><category term="real estate agent for exceutives in viera" /><category term="century 21 rockeldge" /><category term="viera new construction" /><category term="golf course homes melbourne" /><category term="fsbo seller advice" /><category term="gated communities suntree" /><category term="March 2012 homes sold" /><category term="how long does a short sale take" /><category term="value of Florida real estate" /><category term="short sale market report brevard county" /><category term="fsbo help viera" /><category term="condos for sale heritage isle" /><category term="novice investor" /><category term="expired listings viera florida" /><category term="stoneridge" /><category term="brevard county homes in 2011" /><category term="ashwood lakes homes for sale viera" /><category term="new construction heritage isle" /><category term="brevard county real estaet agent" /><category term="moving to brevard.\" /><category term="bargains in rockledge" /><category term="Rockledge condos for sale" /><category term="brvard county florida homes sold april 2010" /><category term="fixer upper brevard county" /><category term="residential foreclsoures in brevard county" /><category term="sell your rockledge home" /><category term="retire to Florida" /><category term="homes for sale viera" /><category term="need realtor in ashwood lakes" /><category term="homes for sale in zip code 32955" /><category term="home ownership" /><category term="augusta trace" /><category term="55+ rockledge florida" /><category term="ashwood lakes rockledge" /><category term="home remodels that pay off" /><category term="condo for sale viera" /><category term="homes for sale in fariway lakes" /><category term="short sale viera" /><category term="real estate blog guest blogger wanted" /><category term="florida hardest hit program" /><category term="viera home prices" /><category term="rockledge commercial property for sale" /><category term="lender recommendation viera" /><category term="phillips landing new homes" /><category term="real estate terms" /><category term="titusville florida home values" /><category term="rockeldge condos for sale" /><category term="buyer agent Viera" /><category term="title insurance rockledge" /><category term="market report heritage isle viera" /><category term="homes for sale in indigo crossing" /><category term="gary waters pllc" /><category term="viera home sales february 2010" /><category term="October 2011 real estate sales" /><category term="foreclosures brevard county florida" /><category term="schools viera" /><category term="homes for sale in viera east" /><category term="escrow deposits" /><category term="places where canadians buy homes in florida" /><category term="homes for sale in Ralph williams district" /><category term="grand haven homes for sale" /><category term="selling your viera house" /><category term="pricing your brevard county home for selling" /><category term="cocoa realtor" /><category term="pricing your viera home to sell" /><category term="real estaet sales april 2010 in brevard county" /><category term="charitable donation site rockledge" /><category term="condos on merritt island" /><category term="cocoa beach house values" /><category term="credit repair" /><category term="viera home for sell" /><category term="suntree realty" /><category term="sell your brevard county home" /><category term="homes sold in June 2011" /><category term="bargains in Viera" /><category term="pricing your viera home for sale" /><category term="short sales may 2010 brevard county" /><category term="which schools best inviera" /><category term="sell your brveard county house" /><category term="home prices brevard county" /><category term="moving to viera.viera realtor" /><category term="summer lakes viera" /><category term="steps to selling a house" /><category term="moving to brevard county. brevard county homes for sale" /><category term="realtor suntree.help with buying house in viera" /><category term="887 Brunswick Lane Rockeldge" /><category term="roackledge bargains" /><category term="Emercy AC" /><category term="fha 90 day rule" /><category term="golf course properties fro sale viera" /><category term="mortage preapproval not prequalification" /><category term="Greens at Viera East" /><category term="do I need a reator for new construction" /><category term="home prices melbourne october 2009" /><category term="977 Whetstone" /><category term="selling for a loss" /><category term="market report suntree may 2008" /><category term="golf course homes in rockledge" /><category term="chelsea ark" /><category term="viera rela estate agent" /><category term="is there a cash advantage to buying a house" /><category term="homes sold in heritage isle in 2010" /><category term="selling your melbourne home" /><category term="homes for sale in somerville" /><category term="heriatage isle real estate agent" /><category term="august 2010 real estate market report" /><category term="suntree viera market report January 2008" /><category term="golf course homes for sale in brevard county" /><category term="prices of homes in ashwood lakes" /><category term="lake washington homes for sale" /><category term="sunset bay condos for sale" /><category term="short sales in brevrd county" /><category term="west viera information" /><category term="listing my viera house to sell" /><category term="wingate estates in viera" /><category term="bargain homes in brevard county" /><category term="new homes heritage isle" /><category term="differences between" /><category term="secret to selling your house" /><category term="developments in viera" /><category term="sonoma homes for sale" /><category term="summer lakes in viera" /><category term="house affordability in brevrd county" /><category term="first quarter 2012 residential sales" /><category term="homes for sale in ashwood lakes" /><category term="foreclsoures in brevard county" /><category term="cenntury 21 viera" /><category term="february home sales brevard county florida" /><category term="bank sale rockledge" /><category term="pricing your house to sell" /><category term="market report phillips landing" /><category term="Suntree Realtor" /><category term="short sale viera april 2009" /><category term="Ryan Moore Memorial Golf Tournament" /><category term="homeowner associations in viera" /><category term="how long does it take to sell a house in viera" /><category term="brevard county florida real estate amrket" /><category term="safety issues when selling your houfsbo safety tips" /><category term="condos in heritage isle" /><category term="how long do short sales take" /><category term="help sell my brevard county house" /><category term="short sal ehelp brevard county" /><category term="questions to ask homeowner associations" /><category term="chelsea park homes for sale" /><category term="new construction in suntree" /><category term="golf course homes for sale viera" /><category term="luxury homes for sale viera" /><category term="cypress cove condos" /><category term="open house information viera" /><category term="viera florida homes sold august 2010" /><category term="april market report viera" /><category term="viera short seller" /><category term="selling your house in suntree" /><category term="florida 55+ communities" /><category term="February 2012 real estate facts" /><category term="sell house and move up in florida" /><category term="melbourne beach house values" /><category term="home sales in viera" /><category term="market report viera" /><category term="buying a short sale" /><category term="brevard county real estate bargains" /><category term="homes fro sale in ashwood lakes" /><category term="help sell your brevard county house" /><category term="what is title insurance" /><category term="why have a home inspection done" /><category term="brevard county real estate" /><category term="sales prices in heritage isle 2011" /><category term="baytree golf course homes for sale" /><category term="stimulus plan viera" /><category term="ST kitt floor plan" /><category term="gated condo community viera" /><category term="condos heritage isle" /><category term="homes for sale in heritage isle" /><category term="phillips landing in rockledge" /><category term="Viera hospital" /><category term="bank owned homes Viera" /><category term="viera sound wall" /><category term="August 2012 Homes Sold" /><category term="first time home buyer rockledge" /><category term="real estate market brevard county" /><category term="August 2011 homes sold" /><category term="selling estate house inviera" /><category term="golf course town house rockledge" /><category term="brevard county short sales" /><category term="DC Nationals soring training" /><category term="rental scams" /><category term="55+ communities in Florida" /><category term="baytree" /><category term="homes for sale in ravencliffe" /><category term="stagng your house to sell" /><category term="renting a home" /><category term="REO property Rockledge" /><category term="short sales in merritt island" /><category term="first time buyer program rockledge" /><category term="foreclosures Viera" /><category term="key points in selling your house" /><category term="buy house in rockledge" /><category term="short sale help brveard county" /><category term="rockledge roealtor" /><category term="best time to buy a house" /><category term="gary l waters pllc" /><category term="June 2011 home sales" /><category term="negotiating strategies for short sales" /><category term="buy a house in melbourne fl" /><category term="help selling your viuers house" /><category term="average sales price brevard county florida homes" /><category term="new construction in phillips landing" /><category term="should i offer buyers agent a bonus" /><category term="homes sold in Brevard county october" /><category term="what are points" /><category term="moving to merritt island" /><category term="melbourne florida husing market" /><category term="viera century 21" /><category term="turtle creek golf cours homes" /><category term="top florida schools" /><category term="gary water" /><category term="help fsbo" /><category term="condo sales January through June 2012" /><category term="market report october 2008 brevard county" /><category term="home seller tips" /><category term="do I need a  home inspection" /><category term="brevard county 55+ community" /><category term="how much can I borrow" /><category term="tuckaway lake estates" /><category term="listing price for viera home" /><category term="first time buyer help" /><category term="home inspections in brevrd county" /><category term="moving to brevard county" /><category term="why use a real estate agent" /><category term="brevard county florida condos for sale" /><category term="brevard county real estate market" /><category term="proximity to amenities" /><category term="heritage isle vera" /><category term="baytree houses for sale" /><category term="phillipd lsnding rockledge" /><category term="voera realtor" /><category term="rockeldge flipper proeprties" /><category term="decorating with flair" /><category term="existing home sales report september 2008" /><category term="choosing your neighborhood" /><category term="should you have open house" /><category term="realtor viera" /><category term="april 2011 homes sold in brevard county" /><category term="homes sold brevard county florida july 2009" /><category term="moving to rockledge florida" /><category term="heritage home for sale" /><category term="rockeldge bargains" /><category term="sell your viera florida house" /><category term="30-10-1 rule" /><category term="55+ rentals in viera" /><category term="rental rockledge" /><category term="meobourne short sales.viera realty" /><category term="Listing Prices Rebounding" /><category term="market report turtle creek" /><category term="restaurants Viera" /><category term="selling your brevard county condo" /><category term="buing a fixer upper in florida" /><category term="rockledge vacant land for sale" /><category term="viera home sales september" /><category term="free market analysis suntree" /><category term="what is a distressedd property" /><category term="home mortgage in brevard county" /><category term="new construction 55+ Viera" /><category term="bar" /><category term="short sales pineda" /><category term="golden period" /><category term="suntree real estate market" /><category term="moving to melbourne florida" /><category term="relocating to melbourne" /><category term="seller asstance in Viera" /><category term="April 2013 market report" /><category term="market report brevard county march 2009" /><category term="viera golf course homes for sale" /><category term="viera real estate agent information" /><category term="new homes suntree" /><category term="market reprt brevard county" /><category term="US dollar exchange" /><category term="how much does a real estate agent cost" /><category term="Brevard County Banks" /><category term="best home improvements" /><category term="viera florida" /><category term="home inspections" /><category term="market report viera october" /><category term="grand isle viera homes for sale" /><category term="million dollar homes viera" /><category term="what multiple showings mean" /><category term="homes ofr sal eviera" /><category term="phillips landing rockledge florida" /><category term="January 2012 market report" /><category term="short sale brevard county florida" /><category term="FSBO free ads Viera" /><category term="fairway lakes at viera" /><category term="heritage isle" /><category term="rockledge short sales" /><category term="sunset bay foreclsoures" /><category term="melbourne pool home for sale" /><category term="Rockledge acre estates" /><category term="short sale chelsea park" /><category term="8176 Andover Way" /><category term="condo on cocoa beach" /><category term="list to sell ratio" /><category term="condos viera" /><category term="heritage isle viera condos" /><category term="rules for selling" /><category term="real estate agent heritage isle" /><category term="realtor cocoa" /><category term="indigo crossing viera" /><category term="augusta trace rockledge" /><category term="selling your rockledge florida house" /><category term="viera real estate agnet" /><category term="real estate amrket rockledge" /><category term="viera ralty" /><category term="loan modification" /><category term="sell your viera home" /><category term="selling your short sale" /><category term="Melbourne homes for rent" /><category term="crime rates in brvard county 2010" /><category term="sell your house in viera" /><category term="new construction" /><category term="short sale real estate baytree" /><category term="why give feedback" /><category term="real estate agent canaveral groves" /><category term="washington nationals spring training" /><category term="rockledge market report march" /><category term="short sales in viera" /><category term="rockledge florid acondos for sale" /><category term="selling your florida home" /><category term="selling my viera house" /><category term="rentals in viera" /><category term="short sales in brevard county" /><category term="merritt island short sales" /><category term="marketing materials need to be reviewed" /><category term="responding to offers" /><category term="grand isle 55+ community" /><category term="moving to viera" /><category term="summer lakes homes for sale" /><category term="sell my brevard county florida house" /><category term="difference between a townhouse and condo" /><category term="rockeldge short sale" /><category term="Brevard County Florida" /><category term="phillips landing subdivision homes for sale" /><category term="sell your suntree house" /><category term="who pays the real estate agent" /><category term="villages of north solerno" /><category term="will home prices rise in 2011" /><category term="rockledge rentals" /><category term="relocating to Viera" /><category term="why buy a house now" /><category term="selling your brvard county house" /><category term="viera pool home for sale" /><category term="reo breo brevard county" /><category term="selling prices homes in brevard" /><category term="palm bay homes for sale" /><title>Florida Homes For Sale - Melbourne, Viera, Rockledge, Suntree</title><subtitle type="html">Serving Brevard realty needs one client at a time...Views expressed in this blog are those of the author, Gary L. Waters PLLC, Florida licensed real estate agent - Broker Associate, Serving Brevard Realty, Merritt Island, Florida.</subtitle><link rel="http://schemas.google.com/g/2005#feed" type="application/atom+xml" href="http://www.garywatersrealty.com/feeds/posts/default" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/" /><link rel="next" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default?start-index=26&amp;max-results=25&amp;redirect=false&amp;v=2" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><generator version="7.00" uri="http://www.blogger.com">Blogger</generator><openSearch:totalResults>2637</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/atom+xml" href="http://feeds.feedburner.com/FloridaHomesForSale-MelbourneVieraRockledgeSuntree" /><feedburner:info xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" uri="floridahomesforsale-melbournevierarockledgesuntree" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><feedburner:emailServiceId xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0">FloridaHomesForSale-MelbourneVieraRockledgeSuntree</feedburner:emailServiceId><feedburner:feedburnerHostname xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0">http://feedburner.google.com</feedburner:feedburnerHostname><entry gd:etag="W/&quot;CUcEQHsyeSp7ImA9WhBaE08.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-6688355072674532622</id><published>2013-05-23T11:30:00.000-04:00</published><updated>2013-05-23T11:30:01.591-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-23T11:30:01.591-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="choosing your real estate agent" /><title>What is the best way to sell my house?</title><content type="html">Selling your house or condo is a process.&amp;nbsp; It is so much more than a sign in the front yard.&amp;nbsp; It is more than an MLS entry in a real estate web site.&amp;nbsp; It is more than just filling out a contract.&lt;br /&gt;
&lt;br /&gt;
The process of selling a home has plenty of potential roadblocks.&amp;nbsp;&amp;nbsp; The process involves disclosures, preparation, negotiations, contracts, inspections, and more.&amp;nbsp; There can be safety and security issues as well.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;What is the best way to sell your house?&lt;/b&gt;&amp;nbsp; Hire a real estate agent who understands the process and your goals.&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #274e13;"&gt;&lt;b&gt;&lt;span style="color: black;"&gt;The first step?&lt;/span&gt;&amp;nbsp; &lt;/b&gt;&lt;span style="color: black;"&gt;The interview.&amp;nbsp; Any agent worth your business should be able to give you real answers to questions like...&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;What has sold in my neighborhood&lt;/b&gt; (area, similar communities, street, etc)?&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;What has not sold in my neighborhood&lt;/b&gt; (active, how long, price, withdrawn)?&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Why did these properties sell or not sell&lt;/b&gt;?&lt;/li&gt;
&lt;li&gt;&lt;b&gt;How much can I get?&lt;/b&gt;&amp;nbsp; No surprise this is the number one question.&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;When can I get it?&lt;/b&gt;&amp;nbsp; Selling is stressful.&amp;nbsp; People have lives  that are disrupted temporarily in the process, moving plans to be made,  etc.&amp;nbsp; I understand very well.&amp;nbsp; Closings  typically take about 30 to 45 days from the contract date to close.&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;How much will it cost me?&lt;/b&gt; Remember fees  and commissions are always negotiable.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;How much do I walk away with?&lt;/b&gt;&amp;nbsp; All of the above questions impact this answer as well as key things like any mortgage payoff.&lt;/li&gt;
&lt;/ul&gt;
When it comes to selling your Brevard County, Florida home, a Realtor acquaintance of mine put it so well...&lt;br /&gt;
&lt;br /&gt;
&lt;div style="background-color: #dcc368; padding: 5px 8px 5px 8px;"&gt;
&amp;nbsp;&lt;span style="font-size: large;"&gt;&lt;b&gt;&lt;a href="http://activerain.com/blogsview/3735670/i-learned-a-lot-of-what-i-need-to-know-from-our-cleaning-lady-" target="_blank"&gt;"Know
  what you know....always make enough money to pay for what you don't do
  well...and make time to do the things you enjoy most."&lt;/a&gt;&lt;/b&gt;&lt;/span&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;img border="0" height="241" src="http://3.bp.blogspot.com/-Sb_3IQorBoY/UGcXh3vu_GI/AAAAAAAAItA/v3Jja0p9G2M/s320/Serving+Brveard+Send+Email.JPG" width="320" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;span style="color: #274e13;"&gt;&lt;b&gt;&lt;a href="http://activerain.com/blogsview/3735670/i-learned-a-lot-of-what-i-need-to-know-from-our-cleaning-lady-" target="_blank"&gt;&lt;/a&gt;&lt;/b&gt;&lt;/span&gt;
&lt;span style="color: #274e13;"&gt;&lt;b&gt;&lt;br /&gt;
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&lt;br /&gt;
The below chart shows it all... &lt;i&gt;single family home sales rising, cash sales rising, median sales price&amp;nbsp; rising, average sales price rising, inventory decreasing&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://2.bp.blogspot.com/-NAmDf45rrSU/UZzr6qNF2GI/AAAAAAAALnE/_ARO9JDXu8g/s1600/April+SFH+Report+Florida+Realtors.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="323" src="http://2.bp.blogspot.com/-NAmDf45rrSU/UZzr6qNF2GI/AAAAAAAALnE/_ARO9JDXu8g/s640/April+SFH+Report+Florida+Realtors.PNG" width="640" /&gt;&lt;/a&gt;&lt;/div&gt;
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&lt;span style="font-size: small;"&gt;This is an update of an original article posted here in 2008 titled "&lt;a href="http://www.garywatersrealty.com/2008/01/go-it-alone-or-hire-real-estate-agent.html" target="_blank"&gt;Go it alone or hire a real estate agent&lt;/a&gt;?"&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;/h3&gt;
&lt;div class="post-header"&gt;
&lt;/div&gt;
With the real estate market showing signs of recovery (fewer homes on the market and prices rising), I anticipate more sellers will consider the question of whether to &lt;i&gt;hire an agent or go it alone&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;span style="color: #073763;"&gt;Selling a house is more than placing a sign out front and maybe an advertisement on Craigslist!&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;a href="http://3.bp.blogspot.com/-aUfCPGeHthw/UZtd4y5XElI/AAAAAAAALmI/LrRHMfMp2go/s1600/MP900409620%5B1%5D.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="200" src="http://3.bp.blogspot.com/-aUfCPGeHthw/UZtd4y5XElI/AAAAAAAALmI/LrRHMfMp2go/s200/MP900409620%5B1%5D.jpg" width="200" /&gt;&lt;/a&gt;
&lt;li&gt;&lt;b&gt;Pricing.&lt;/b&gt;&amp;nbsp; Do you know the &lt;i&gt;real market price&lt;/i&gt; of your home?&amp;nbsp; What you paid for your home or how much money you put into it over the years does not really equal the market price.&amp;nbsp; A market analysis with recent actual sales is the best predictor of a real market price.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Time.&lt;/b&gt;&amp;nbsp;
 Unless you price way below market there will likely be an investment of time required to get your home sold.&amp;nbsp; Do you have time for scheduling appointments and being 
present when potential buyers want to view your home?&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Safety.&lt;/b&gt;&amp;nbsp;
 Who are those individuals who will be coming
 in your home? While most real estate agents do not usually 
know their clients very well, they do have mechanisms in place to verify identify and ability to purchase a home. In this day and age, safety is a real concern for all, including 
professional real estate agents. &lt;/li&gt;
&lt;li&gt;&lt;b&gt;Marketing Plan.&lt;/b&gt;&amp;nbsp; How are you going to market your home?&amp;nbsp; &lt;i&gt;A sign only works if your target market is people driving by your home!&lt;/i&gt;&lt;b&gt;&amp;nbsp;&amp;nbsp; &lt;/b&gt;You need to identify who will most likely be your buyer and target efforts at that pool of buyers. &lt;/li&gt;
&lt;li&gt;&lt;b&gt;Experience.&lt;/b&gt;&amp;nbsp; Have 
you previously completed such a transaction?&amp;nbsp; Experience is a great 
teacher - &lt;i&gt;just ask any real estate agent&lt;/i&gt;.&amp;nbsp; &lt;/li&gt;
&lt;li&gt;&lt;b&gt;Preparing Your Home.&lt;/b&gt;&amp;nbsp; A potential buyer will either be 
interested or turned off all within the first ten seconds after they 
arrive.&amp;nbsp; Think curb appeal, remove clutter, clean, neutral paint.&amp;nbsp; An inspection before you place it on the market&lt;i&gt; with or without an agent&lt;/i&gt; should be considered. &lt;/li&gt;
&lt;li&gt;&lt;b&gt;The process.&amp;nbsp; &lt;/b&gt;Even if you have the negotiation skills of a car salesman, you need to understand the process.&amp;nbsp; Have you looked at all the potential closing costs so you know where you stand?&amp;nbsp; What about buyer inspections?&amp;nbsp; What about seller disclosure requirements?&lt;i&gt;&amp;nbsp;&lt;/i&gt;&lt;/li&gt;
&lt;/ul&gt;
So should you go it alone or hire a professional?&amp;nbsp; Think about this... &lt;i&gt;just &lt;u&gt;because you can&lt;/u&gt; does not mean you should..&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #073763;"&gt;&lt;b&gt;If you are considering selling your home and considering whether to go it alone or hire a real estate agent, call me.&lt;/b&gt;&lt;/span&gt;&amp;nbsp; I will answer your questions and &lt;i&gt;even provide a free market analysis.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;/div&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
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&lt;br /&gt;
Now that the market is starting to recover&lt;i&gt; somewhat&lt;/i&gt; I have a feeling the FSBO signs will start coming out.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;There are lots of reasons why folks choose to attempt the for sale by owner route.&amp;nbsp;&lt;/b&gt; Probably at the top of the list is the &lt;i&gt;belief&lt;/i&gt; they will save money. &amp;nbsp; Research has shown that this is not always the case.&lt;br /&gt;
&lt;br /&gt;
Traditionally the success rate among FSBO sellers has been somewhere around 15% based on the studies I have read.&amp;nbsp; A couple of days ago I read a quote on a related&lt;i&gt; &lt;/i&gt;website that&lt;i&gt; sells FSBO adverting &lt;/i&gt;"we have the&lt;u&gt; same success rate as full-service real estate agents&lt;/u&gt;."&lt;i&gt;&amp;nbsp;&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
Many FSBOs, like their neighbors, seem to value their home higher than the market&lt;i&gt;.&amp;nbsp; I think this is just human nature.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
Even before the market changed I remember being asked&lt;i&gt; "&lt;a href="http://www.garywatersrealty.com/2010/12/can-i-sell-my-own-house-as-short-sale.html" target="_blank"&gt;can a person sell their own home as a short sale&lt;/a&gt;?"&amp;nbsp;&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
So as the market changes will more FSBOs surface?&amp;nbsp; Maybe....&lt;i&gt;heated markets raise optimism.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;u&gt;If your target market is those who drive by your home then by all means, stick a sign in the front yard&lt;/u&gt;!&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/8319014278716596599?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/8319014278716596599?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/is-it-time-to-go-fsbo.html" title="Is it time to go FSBO?" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://4.bp.blogspot.com/-P8dKR0WeV3Q/UKD9O2gowYI/AAAAAAAAJb0/7FBLRvzHg3Q/s72-c/why.JPG" height="72" width="72" /></entry><entry gd:etag="W/&quot;DEMER3czfSp7ImA9WhBbGUU.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-2876401735037412979</id><published>2013-05-19T14:00:00.000-04:00</published><updated>2013-05-19T14:00:06.985-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-19T14:00:06.985-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="choosing a real estate agent" /><category scheme="http://www.blogger.com/atom/ns#" term="choosing your real estate agent" /><title>Must I Use a Real Estate Agent to Buy a Home in Florida?</title><content type="html">&lt;b&gt;First of all, there is no requirement anywhere that one must use a third party to facilitate the purchase of a house.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://4.bp.blogspot.com/-VEEAG5lCTKQ/UQE_iEIxOtI/AAAAAAAAKgI/uHGagmKeDsc/s1600/garage+sale.GIF" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="200" src="http://4.bp.blogspot.com/-VEEAG5lCTKQ/UQE_iEIxOtI/AAAAAAAAKgI/uHGagmKeDsc/s200/garage+sale.GIF" width="200" /&gt;&lt;/a&gt;&lt;/div&gt;
On the surface&lt;i&gt;, buying a house or condo is no different than going to a garage sale&lt;/i&gt;.&amp;nbsp; You pull up in front, get out, see something you like, make an offer, agree on a price and pay for it.&lt;i&gt;&amp;nbsp;&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;&lt;i&gt;EXCEPT &lt;/i&gt;the financial commitment is larger than most in one's life - &lt;i&gt;ever.&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;u&gt;You can do your own taxes or you can hire an accountant&lt;/u&gt;.&amp;nbsp; If you know the tax code and are confident in the process and requirements, go for it.&amp;nbsp; If you don't...well the IRS could become an issue.&lt;br /&gt;
&lt;br /&gt;
&lt;u&gt;The same can be said about buying a house.&lt;/u&gt;&amp;nbsp; If you know the process, the market and have the confidence you will get the best price possible, go for it.&amp;nbsp; If you don't...well, a lot of money could be at risk.&lt;br /&gt;
&lt;a href="https://www.facebook.com/garywatersrealty" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"&gt;&lt;img border="0" src="http://3.bp.blogspot.com/-GmuzW9G8JME/UH8fzMqNtNI/AAAAAAAAJBA/ZJZcYf3xw74/s1600/Facebook-Icon.png" /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;b&gt;I doubt most buyers I have ever worked with could have attained the same results on their own.&amp;nbsp;&lt;/b&gt;&amp;nbsp; &lt;u&gt;I know why they needed me&lt;/u&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;After the transaction they knew as well!&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
When you are ready to buy a house in Rockledge, Suntree, Viera or Melbourne, Florida, call me at 321-693-3850.&amp;nbsp; I can help!&lt;i&gt; &lt;/i&gt;&lt;br /&gt;
&lt;i&gt;&lt;br /&gt;&lt;/i&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;img border="0" src="http://3.bp.blogspot.com/-6RfyH9VEP20/UCj9UEZ-K9I/AAAAAAAAIIo/gfaavzRX8pw/s1600/email+me.JPG" /&gt;&lt;/a&gt;&lt;/div&gt;
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   Name="Table Classic 4"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"/&gt;   &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/&gt;   &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/&gt;   &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"/&gt;   &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"/&gt;   &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/&gt;   &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"/&gt;   &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"/&gt;   &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"/&gt;   &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"/&gt;   &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/&gt;   &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"/&gt;   &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/&gt;   &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/&gt;   &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/&gt;   &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/&gt;   &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/&gt;   &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/&gt;   &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/&gt;   &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/&gt;   &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/&gt;   &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/&gt;   &lt;w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/&gt;   &lt;w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 1"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 2"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 3"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 4"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 5"/&gt;   &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 6"/&gt;   &lt;w:LsdException Locked="false" Priority="52"
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&lt;/style&gt; &lt;![endif]--&gt;  &lt;br /&gt;
&lt;div class="MsoNormal" style="text-align: left;"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;The housing bust has left so many homeowners frustrated and racking their brains for solutions, especially if they are upside down on their mortgage.&amp;nbsp; If you bought your home or refinanced during 2003 through 2007 your home may be worth less than you owe, or upside down.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;The first and most important step is to understand your options. Depending on your situation, you may have several options that you should discuss with your lender, servicer, or housing counselor to decide which option is best for you and your family.&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;If you are behind or about to fall behind on your payments there are a couple of options you should consider. Catching up on missed payments through a repayment plan is the first and easiest option. You may qualify for an advance if your missed payments are due to a temporary hardship.&amp;nbsp; Best case scenario mortgage loan terms can be changed to make payments more affordable or what is called a &lt;i&gt;loan modification&lt;/i&gt;.&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;If you choose a loan modification, read the fine print and make an educated decision.&amp;nbsp; Most modifications will not lower the principal amount of the loan but will allow you to change interest rates to lower the payment.&amp;nbsp; In doing so you acknowledge the full amount of debt regardless of the value and waive rights to fraudulent or predatory lending claims in the future.&amp;nbsp; You also turn your loan into a full recourse load which could follow you for the rest of your life even if you choose foreclosure down the road. &lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;The most drastic option to get out of an upside down mortgage is a &lt;i&gt;voluntary foreclosure&lt;/i&gt; or a &lt;i&gt;short sale.&lt;/i&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;With the first option, voluntary foreclosure, the bank will take the home back.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;The second, a short sale, is when the bank or lender accepts a price lower than the loan amount as full payment on the loan.&amp;nbsp; Either of these should be your last resort as they will both negatively affect your credit score may prevent you from home buying in the future.&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;A growing trend according to &lt;i style="mso-bidi-font-style: normal;"&gt;The Washington Post&lt;/i&gt; is cash-in mortgage refinancing.&amp;nbsp; Homeowners who want to keep their homes and refinance at lower interest rates agree to pay in cash to lower the loan amount. This is an option about 33 percent of all homeowners chose in 2010.&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;The last and perhaps the most feasible option, although the most expensive, for homeowners who are upside down on their mortgage is to suck it up and continue to make payments.&amp;nbsp; Since your house still serves as shelter and you can still afford it, continue to live in your space regardless of how much you owe.&amp;nbsp; The bottom line is that you are investing a large amount of capital into something that may never give a good return but if you continue to make payments eventually you will own your home outright. &lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;It is important to consider all your options and speak with a financial advisor and a lawyer before making a decision . Be completely forthcoming and discuss any government or other assistance programs for which you may qualify.&amp;nbsp;&lt;/span&gt;&lt;br /&gt;
&lt;span style="background: white; color: #454545; mso-bidi-font-family: Helvetica;"&gt;&amp;nbsp; &lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;div style="background-color: #dcc368; padding: 5px 8px 5px 8px;"&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="font-size: large; mso-bidi-font-family: Arial;"&gt;This post was written for Gary L Waters, PLLC by &lt;b&gt;&lt;u&gt;Stephen K Hachey&lt;/u&gt;&lt;/b&gt;.&amp;nbsp; &lt;a href="http://floridarealestatelawyer.org/orlando-real-estate-lawyer/" target="_blank"&gt;Stephen is an Orlando real estate lawyer specializing in loan modifications, short sales, foreclosure&lt;/a&gt; and much more.&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="font-size: large; mso-bidi-font-family: Arial;"&gt;&lt;span style="background-color: #cfe2f3;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;span style="font-size: large; mso-bidi-font-family: Arial;"&gt;&lt;span style="background-color: white;"&gt;&lt;span style="background-color: #bf9000;"&gt;&lt;/span&gt;&lt;span style="color: #660000;"&gt;&lt;span style="background-color: #bf9000;"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;He is also the owner of his own practice, the Law Offices 
of Stephen Hachey, PA.&amp;nbsp; This article is for general informational 
purposes only and does not establish an attorney-client relationship. 
Please contact a licensed attorney in your state of residence. For more 
information on our services, please visit our website at&lt;span style="background-color: #cfe2f3;"&gt; &lt;a href="http://www.floridarealestatelawyer.org/" target="_blank"&gt;www.floridarealestatelawyer.org&lt;/a&gt;&lt;/span&gt;/.&lt;/span&gt;&lt;/div&gt;
&lt;div class="MsoNormal"&gt;
&lt;br /&gt;&lt;/div&gt;
&lt;br /&gt;
.&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;/div&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/7533724734206321418?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/7533724734206321418?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/upside-down-mortgage-solutions.html" title="Upside down mortgage solutions" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author></entry><entry gd:etag="W/&quot;DUUEQn48fSp7ImA9WhBbGEw.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-1775962791481812221</id><published>2013-05-17T15:00:00.000-04:00</published><updated>2013-05-17T15:00:03.075-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-17T15:00:03.075-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="loan modification" /><category scheme="http://www.blogger.com/atom/ns#" term="what is a short sale" /><category scheme="http://www.blogger.com/atom/ns#" term="foreclosures" /><title>Short Sale, Loan Modification, Foreclosure -  Distressed Home Owners Have Choices</title><content type="html">Short sale, loan modification and foreclosure offer distressed home owners experiencing problems meeting their mortgage obligation multiple choices for a solution&lt;b&gt;.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #660000;"&gt;&lt;b&gt;&lt;span style="color: black;"&gt;Important disclaimer:&lt;/span&gt;&lt;/b&gt;&amp;nbsp; &lt;b&gt;I am not an attorney. I do not provide legal advice.&amp;nbsp;&lt;/b&gt; &lt;span style="color: black;"&gt;If you have questions regarding the legal or tax implications relating to a short sale or foreclosure, consult the appropriate professional.&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #660000;"&gt;&lt;span style="color: black;"&gt;Each of these routes, &lt;i&gt;in my opinion&lt;/i&gt;, has positives and negatives.&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;a href="http://1.bp.blogspot.com/-HHhgT4X9CLA/UIafuv5wUZI/AAAAAAAAJJU/iL0b_C0G71Q/s1600/Short+sale+sign.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="200" src="http://1.bp.blogspot.com/-HHhgT4X9CLA/UIafuv5wUZI/AAAAAAAAJJU/iL0b_C0G71Q/s200/Short+sale+sign.jpg" width="196" /&gt;&lt;/a&gt;A &lt;u&gt;short sale&lt;/u&gt; is a situation where the probable selling price will be less than the mortgage(s) owed.&amp;nbsp;&lt;b&gt;&amp;nbsp; &lt;/b&gt;Short sales require any offer accepted by the owner be forwarded to the lender for approval (referred to as &lt;u&gt;third party approval&lt;/u&gt;).&lt;br /&gt;
&lt;br /&gt;Sellers pursuing a short sale usually are facing some&lt;i&gt; hardship&lt;/i&gt; such as job loss, death in family, employment transfer including military transfer, etc.&amp;nbsp; &lt;u&gt;Short sales take longer than a standard sale&lt;/u&gt;.&lt;i&gt;&amp;nbsp; Still a short sale is preferable to a foreclosure on your credit report.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
Foreclosures (as well as short sales) can result in a deficiency judgment.&lt;b&gt;&amp;nbsp; &lt;/b&gt;If foreclosure is a possibility - &lt;span style="color: #660000;"&gt;&lt;u&gt;consult an attorney&lt;/u&gt;.&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;As for loan modifications&lt;/b&gt; - &lt;span style="color: #660000;"&gt;&lt;u&gt;talk with your lender.&lt;/u&gt;&lt;/span&gt;&amp;nbsp; They may work out some arrangement to &lt;i&gt;temporarily&lt;/i&gt; address your hardship.&lt;br /&gt;
&lt;br /&gt;
Still, I have seen some failed loan mods because the terms offered by the lender were not realistic.&amp;nbsp; The reality is sometimes the owner should have never been the owner.&lt;i&gt;&amp;nbsp;&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;&lt;b&gt;Who is at fault when home owners face short sale or foreclosure?&lt;/b&gt;&amp;nbsp;&lt;/i&gt;&lt;u&gt; Dealing with the issue at hand does not involve finding fault.&lt;/u&gt;&lt;i&gt;&lt;/i&gt;&lt;br /&gt;
&lt;span style="background-color: white;"&gt;&lt;i&gt;&lt;br /&gt;&lt;/i&gt;&lt;/span&gt;
&lt;span style="background-color: white;"&gt;&lt;span style="color: #660000;"&gt;&lt;b&gt;If you are facing a hardship and a short sale is an option&lt;/b&gt;,&lt;/span&gt; please feel free to give me a call or send me an email if I can help in any way.&lt;/span&gt;&lt;i&gt;&lt;/i&gt;&lt;br /&gt;
&lt;i&gt;&lt;br /&gt;&lt;/i&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/1775962791481812221?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/1775962791481812221?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/short-sale-loan-modification.html" title="Short Sale, Loan Modification, Foreclosure -  Distressed Home Owners Have Choices" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://1.bp.blogspot.com/-HHhgT4X9CLA/UIafuv5wUZI/AAAAAAAAJJU/iL0b_C0G71Q/s72-c/Short+sale+sign.jpg" height="72" width="72" /></entry><entry gd:etag="W/&quot;CkcEQng8eyp7ImA9WhBbFk4.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-6543830624071856471</id><published>2013-05-15T11:00:00.000-04:00</published><updated>2013-05-15T11:00:03.673-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-15T11:00:03.673-04:00</app:edited><title>Is the Brevard County, Florida Residential Market Returning to Normal?  </title><content type="html">&lt;b&gt;Some still think the residential real estate market in Brevard County, Florida is a distressed marke&lt;/b&gt;t where every property is a fire sale!&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://2.bp.blogspot.com/-BmTfY46E-28/UZN-DUnrKAI/AAAAAAAALlU/7S05KSAS9jg/s1600/turtle.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="148" src="http://2.bp.blogspot.com/-BmTfY46E-28/UZN-DUnrKAI/AAAAAAAALlU/7S05KSAS9jg/s200/turtle.JPG" width="200" /&gt;&lt;/a&gt;&lt;/div&gt;
Public opinion very often shifts at a turtle's pace.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;There are 2,535 active residential property listings as of today in Brevard County.&lt;/b&gt;&amp;nbsp; Of these about 9% are listed as &lt;u&gt;short sales&lt;/u&gt; and another 16.5% are listed as &lt;u&gt;foreclosures&lt;/u&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;What percentage of&amp;nbsp; the 836 residential properties sold in April 2013 were distressed properties?&amp;nbsp;&lt;/b&gt; Residential short sales sold in April totaled 106 properties (13% of all sales).&amp;nbsp; Foreclosures accounted for about 25% of the closings (207 properties).&lt;b&gt;&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;So, is the Brevard County, Florida residential market returning to normal?&amp;nbsp; &amp;nbsp;&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #274e13;"&gt;&lt;b&gt;What do you mean by normal?&amp;nbsp; &lt;/b&gt;&lt;/span&gt;There will always be &lt;i&gt;short sales&lt;/i&gt; and &lt;i&gt;foreclosures&lt;/i&gt;.&amp;nbsp; I do not know how many of these exist in a normal market?&lt;br /&gt;
&lt;br /&gt;
All I know for sure today is, in May 2013, three of four active residential listings in Brevard County, Florida are standard sales (fair market).&lt;br /&gt;
&lt;br /&gt;
As summer approaches those looking to purchase a residential property in
 Brevard will likely find the distressed property inventory in Brevard
 County doesn't offer much choice.&lt;br /&gt;
&lt;br /&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/6543830624071856471?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/6543830624071856471?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/is-brevard-county-florida-residential.html" title="Is the Brevard County, Florida Residential Market Returning to Normal?  " /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://2.bp.blogspot.com/-BmTfY46E-28/UZN-DUnrKAI/AAAAAAAALlU/7S05KSAS9jg/s72-c/turtle.JPG" height="72" width="72" /></entry><entry gd:etag="W/&quot;D0UEQH86cCp7ImA9WhBbFUs.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-5060420144183685852</id><published>2013-05-14T17:00:00.000-04:00</published><updated>2013-05-14T17:00:01.118-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-14T17:00:01.118-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="home buyer tips" /><title>Practice moderation in all things–including real estate market participation</title><content type="html">&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://4.bp.blogspot.com/-WMtU7PPWVD0/UZIvybHjg8I/AAAAAAAALlE/xMs3czKuxq0/s1600/MM900213528.GIF" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" src="http://4.bp.blogspot.com/-WMtU7PPWVD0/UZIvybHjg8I/AAAAAAAALlE/xMs3czKuxq0/s1600/MM900213528.GIF" /&gt;&lt;/a&gt;&lt;/div&gt;
Moderation seems like a good rule of thumb regardless of whether you are speaking of eating, drinking, driving or exercise.&lt;br /&gt;
&lt;br /&gt;
As a real estate market participant, as a buyer or seller, &lt;u&gt;moderation should be the key behavior&lt;/u&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Moderation is simply staying within reasonable limits &lt;/b&gt;especially when your budget is concerned.&amp;nbsp; As a seller, moderation is staying within realistic expectations when pricing your home to sell. &lt;br /&gt;
&lt;br /&gt;
I remember back around 2004 and 2005.&amp;nbsp; Prices were climbing rapidly.&amp;nbsp; Buyers were being outbid so they kept offering higher amounts.&lt;br /&gt;
&lt;br /&gt;
&lt;a href="http://1.bp.blogspot.com/-HaROsrnFOEI/UVLXkfSHsyI/AAAAAAAALZg/WrY284ZIKjc/s1600/mortgage.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="187" src="http://1.bp.blogspot.com/-HaROsrnFOEI/UVLXkfSHsyI/AAAAAAAALZg/WrY284ZIKjc/s200/mortgage.JPG" width="200" /&gt;&lt;/a&gt;Mortgage lenders were getting &lt;i&gt;creative&lt;/i&gt; in such ways they offered financing to consumers who in the long run had no way of repaying the debt.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;It was the real estate market's death spiral.&amp;nbsp;&lt;/b&gt; OK, it was not death.&amp;nbsp; But it was like a like a trip to ICU followed by rehab for about five or so years!&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Now the market has turned.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
Buyers are cautioned to not get caught in the same traps.&amp;nbsp;&amp;nbsp; The lenders have tightened the lending process which will stop some from making a bad decision.&amp;nbsp; Those who have not been in a coma should know what happened last time.&lt;br /&gt;
&lt;br /&gt;
Responsible real estate agents will remind clients to stay focused on the things that matter &lt;i&gt;including budgets.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
Still, &lt;u&gt;it is a good time to buy a home&lt;/u&gt; &lt;i&gt;you can afford&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/5060420144183685852?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/5060420144183685852?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/practice-moderation-in-all.html" title="Practice moderation in all things–including real estate market participation" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://4.bp.blogspot.com/-WMtU7PPWVD0/UZIvybHjg8I/AAAAAAAALlE/xMs3czKuxq0/s72-c/MM900213528.GIF" height="72" width="72" /></entry><entry gd:etag="W/&quot;Ak8EQXg_fCp7ImA9WhBbFEo.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-7713007549574027662</id><published>2013-05-13T17:00:00.000-04:00</published><updated>2013-05-13T17:00:00.644-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-13T17:00:00.644-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="pricing strategies to sell your home" /><category scheme="http://www.blogger.com/atom/ns#" term="home seller tips" /><title>Selling Your Home - It is only a mystery if you don't know why...</title><content type="html">In the real estate market there are some things which could be called&lt;i&gt; mysterious&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
For example, given two exact duplicate properties (new construction, cookie cutter, same development, same price), one will always sell before the other - unless, of course, they sell on the same day. This &lt;u&gt;is&lt;/u&gt; &lt;u&gt;not&lt;/u&gt; really a mystery.&lt;br /&gt;
&lt;br /&gt;
But then, sometimes two very similar homes on the same street will be listed for sale and &lt;i&gt;one sells and the other sits&lt;/i&gt;.&amp;nbsp; &lt;span style="background-color: #cccccc;"&gt;This &lt;u&gt;is&lt;/u&gt; the mystery&lt;/span&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;span style="font-size: large;"&gt;&lt;span style="color: #666666;"&gt;&lt;b&gt;Why do buyers choose one property over another?&lt;/b&gt;&amp;nbsp;&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
We may never know with &lt;i&gt;100% certainty&lt;/i&gt; the reason one property sells and while another sits, but I propose one (or more) of these may be the cause.&lt;br /&gt;
&lt;ul&gt;
&lt;a href="http://4.bp.blogspot.com/-uwMvaRBzbHw/UZDM_XSoHDI/AAAAAAAALkI/Tr7Ww_g3CCk/s1600/why.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" src="http://4.bp.blogspot.com/-uwMvaRBzbHw/UZDM_XSoHDI/AAAAAAAALkI/Tr7Ww_g3CCk/s1600/why.JPG" /&gt;&lt;/a&gt;
&lt;li&gt;&lt;b&gt;&lt;span style="color: #cc0000;"&gt;Price.&lt;/span&gt;&amp;nbsp;&lt;/b&gt; First and foremost, all properties will sell at a given price.The key to attracting a prospective buyer (and subsequent offers) is that simple.&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;span style="color: #cc0000;"&gt;&lt;b&gt;Condition.&lt;/b&gt;&lt;/span&gt;&amp;nbsp; Related very closely to price, buyers usually want move in ready.&amp;nbsp; Most buyers are not in the market for a home that requires significant updating or repair.&amp;nbsp; Not surprisingly you can find updated and neglected on the same street.&amp;nbsp;&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;span style="color: #cc0000;"&gt;&lt;b&gt;Accessibility.&lt;/b&gt;&lt;/span&gt; I have seen homes&amp;nbsp; for sale in the same neighborhood and was able to show buyers property "A" while property "B" had restrictions on when we could gain access (24 hours notice, only after 5:00 p.m., agent must be present, no lock box....&lt;i&gt; the list is amazingly long why some sellers restrict access.&lt;/i&gt;).&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;span style="color: #cc0000;"&gt;&lt;b&gt;Ineffective market exposure.&lt;/b&gt;&lt;/span&gt;&amp;nbsp; Each property is different so a "one size fits all" marketing plan may be ineffective.&amp;nbsp; Choose a real estate agent who can (&lt;i&gt;and will&lt;/i&gt;) personalize your marketing plan to where your buyers are coming from (&lt;i&gt;fish where they are biting&lt;/i&gt;!).&lt;/li&gt;
&lt;/ul&gt;
&lt;span style="font-size: large;"&gt;&lt;b&gt;&lt;span style="color: #666666;"&gt;Want to sell your Brevard County, Florida home?&lt;/span&gt;&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
Here is what you do...(1) price it right; (2) put it in its best possible condition within reason, of course; (3) make sure qualified prospective buyers can see it; (4) select an agent who will get your home in front of your pool of real potential buyers.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
&lt;b&gt;Answer:&lt;/b&gt; &amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;i&gt;Who knows!&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://1.bp.blogspot.com/-38rebNGIsTA/UFR4By5jk2I/AAAAAAAAIgw/5BTJAfSxAwI/s1600/why.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" src="http://1.bp.blogspot.com/-38rebNGIsTA/UFR4By5jk2I/AAAAAAAAIgw/5BTJAfSxAwI/s1600/why.JPG" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;b&gt;I can see frustration starting to creep in the market place.&lt;/b&gt;&amp;nbsp; Multiple offers seem to be an every day occurrence.&amp;nbsp; You get one chance at a property&lt;i&gt; and no more&lt;/i&gt;!&lt;br /&gt;
&lt;br /&gt;
Let me re-phrase that last statement.... &lt;i&gt;You get one chance at a property&lt;/i&gt; &lt;u&gt;if you act quickly&lt;/u&gt;!&lt;br /&gt;
&lt;br /&gt;
For example, a new listing comes on the market today, Mother's Day.&amp;nbsp; I send it to my customer.&amp;nbsp; They respond with directions to prepare an offer at 8% over list price.&lt;br /&gt;
&lt;br /&gt;
I contacted the listing agent to say a cash offer, property unseen, 8% above list price is on its way.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Response:&lt;/b&gt;&amp;nbsp; Sorry but seller&lt;u&gt; already signed&lt;/u&gt; off on an offer.&lt;br /&gt;
&lt;br /&gt;
With a shrinking inventory and aggressive buyers in the market place there is only one place to go...up, prices that is!&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;So if you are thinking about selling your Brevard County, Florida home this may be the time to do it... &lt;/b&gt;and &lt;i&gt;don't be afraid to list higher than the recent sales&lt;/i&gt;....buyers are pushing prices upward!&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Ready to sell your Brevard County, Florida home?&amp;nbsp;&lt;/b&gt; Call me at 321-693-3850.&lt;br /&gt;
&lt;br /&gt;
Maybe it is time to get aggressive with that list price because &lt;u&gt;buyers are competing with each other&lt;/u&gt;!&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
&lt;a href="http://3.bp.blogspot.com/--ZSULw2h6gE/UDD00pmrStI/AAAAAAAAIOo/q4uaJKdLu7E/s1600/MC900341836%255B1%255D.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="160" src="http://3.bp.blogspot.com/--ZSULw2h6gE/UDD00pmrStI/AAAAAAAAIOo/q4uaJKdLu7E/s200/MC900341836%255B1%255D.jpg" width="200" /&gt;&lt;/a&gt;Understanding no one has a crystal ball about where prices will be in the future but trend lines are pointing higher,&lt;i&gt;&lt;u&gt; should a seller set a listing price at today's prices or at anticipated prices in three or six months?&lt;/u&gt;&lt;/i&gt;&lt;b&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
When it comes to selling your home the listing real estate agent is &lt;i&gt;not the decision maker at all&lt;/i&gt;.&amp;nbsp; &lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Ultimately the seller influences it all...&lt;/b&gt;list price (&lt;i&gt;what they will accept, not necessarily what they want&lt;/i&gt;), selling time frame by the list price (&lt;i&gt;30, 60, 90 days or never),&lt;/i&gt; preparation of the home for the prospective buyers (&lt;i&gt;staging&lt;/i&gt;), etc.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;In a market with increasing prices and a smaller inventory&lt;/b&gt;, a seller may very well choose to price their home a bit more optimistically.&lt;br /&gt;
&lt;br /&gt;
But the reality is&amp;nbsp; "When it comes to selling your home the listing real estate agent is &lt;i&gt;not the decision maker at all.&lt;/i&gt;&amp;nbsp; &lt;i&gt;&lt;u&gt;Neither is the seller&lt;/u&gt;&lt;/i&gt;."&lt;br /&gt;
&lt;br /&gt;
The market will always set the selling price.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;So, should a seller set a listing price at today's prices or at anticipated prices in three or six months?&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/b&gt; It will always depend on a seller's motivation (goals, time schedule, reason/need for selling, etc.)&lt;b&gt;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;br /&gt;&lt;/b&gt;
&lt;a href="mailto:agent@moving2brevard.com" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"&gt;&lt;img border="0" src="http://3.bp.blogspot.com/-6RfyH9VEP20/UCj9UEZ-K9I/AAAAAAAAIIo/gfaavzRX8pw/s1600/email+me.JPG" /&gt;&lt;/a&gt;When you are ready to &lt;a href="http://www.moving2brevard.com/" target="_blank"&gt;sell your Brevard County, Florida home&lt;/a&gt; (Rockledge, Viera, Suntree, Merritt Island, Suntree or Melbourne), call me at 321-693-3850 or&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt; email me&lt;/a&gt;.&lt;br /&gt;
&lt;b&gt;&lt;br /&gt;&lt;/b&gt;
I would welcome a chance to discuss your needs, the current market and how &lt;b&gt;&lt;u&gt;we&lt;/u&gt; &lt;/b&gt;can reach your goal.&lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/4173881418951600425?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/4173881418951600425?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/should-seller-set-listing-price-at.html" title="Should a seller set a listing price at today's prices or at anticipated prices in three or six months?   " /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://3.bp.blogspot.com/--ZSULw2h6gE/UDD00pmrStI/AAAAAAAAIOo/q4uaJKdLu7E/s72-c/MC900341836%255B1%255D.jpg" height="72" width="72" /></entry><entry gd:etag="W/&quot;AkcER3s7fCp7ImA9WhBbEU0.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-7298453971972234896</id><published>2013-05-09T10:00:00.000-04:00</published><updated>2013-05-09T10:00:06.504-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-09T10:00:06.504-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="home buyer tips" /><category scheme="http://www.blogger.com/atom/ns#" term="the home buying process" /><title>Home Buyer Tips - If you can assemble a toy, you can buy a house.</title><content type="html">I have written many times in this forum about the &lt;u&gt;process of buying and selling a home&lt;/u&gt;.&amp;nbsp; In its simplest form it is no different than following the assembly instructions in a child’s toy.&lt;br /&gt;
&lt;br /&gt;
&lt;a href="http://4.bp.blogspot.com/-MunupKLjYSc/USTVMOhsuYI/AAAAAAAALC0/LGPBSEL_RJo/s1600/Homebuying+pic.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="141" src="http://4.bp.blogspot.com/-MunupKLjYSc/USTVMOhsuYI/AAAAAAAALC0/LGPBSEL_RJo/s200/Homebuying+pic.jpg" width="200" /&gt;&lt;/a&gt;&lt;b&gt;But how many of us &lt;i&gt;really&lt;/i&gt; read (in advance) and then follow the directions?&amp;nbsp; &lt;/b&gt;The preferred method of many is to jump right in and wing it. &amp;nbsp; &amp;nbsp; &lt;br /&gt;
&lt;br /&gt;
This may be an acceptable approach to putting a toy together (or even assembling a new computer system) but when something as life changing as buying a house is involved &lt;u&gt;get your information up front&lt;/u&gt; - &lt;i&gt;and from the right sources&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Here are some additional topics about the home buying process.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;div style="background-color: #dcc368; padding: 5px 8px 5px 8px;"&gt;
&lt;a href="http://activerain.com/blogsview/3398196/10-common-sense-real-estate-rules-for-buying-a-home" target="_blank"&gt;10 Common Sense Rules for Home Buying&lt;/a&gt;&lt;br /&gt;
&lt;a href="http://www.garywatersrealty.com/2012/03/home-buyer-tip-how-many-homes-must-you.html" target="_blank"&gt;How many homes must you look at?&lt;/a&gt;&lt;br /&gt;
&lt;a href="http://www.garywatersrealty.com/2012/07/florida-home-buyer-tips-too-many.html" target="_blank"&gt;How to get your offer rejected.&lt;/a&gt;&lt;br /&gt;
&lt;a href="http://www.garywatersrealty.com/2012/11/why-do-real-estate-agents-ask-so-many.html" target="_blank"&gt;Why do real estate agents ask so many questions?&lt;/a&gt;&lt;br /&gt;
&lt;a href="http://www.garywatersrealty.com/2012/09/why-shouldnt-i-just-call-real-estate.html" target="_blank"&gt;Why shouldn't I just call the real estate agent on the sign?&lt;/a&gt;&lt;/div&gt;
&lt;br /&gt;
If you are considering buying a house or condo in Viera, Suntree, Rockledge or anywhere else in Brevard County, Florida, call or &lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;email me&lt;/a&gt; if I can assist in any way.&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;img border="0" src="http://4.bp.blogspot.com/-y3lbfb-gU94/UC0FIhzqI5I/AAAAAAAAINc/jRiIV5y-VjU/s1600/email+me.JPG" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/7298453971972234896?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/7298453971972234896?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/home-buyer-tips-if-you-can-assemble-toy.html" title="Home Buyer Tips - If you can assemble a toy, you can buy a house." /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://4.bp.blogspot.com/-MunupKLjYSc/USTVMOhsuYI/AAAAAAAALC0/LGPBSEL_RJo/s72-c/Homebuying+pic.jpg" height="72" width="72" /></entry><entry gd:etag="W/&quot;C0EESHk9cSp7ImA9WhBbEE8.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-2492929453627045257</id><published>2013-05-08T10:00:00.000-04:00</published><updated>2013-05-08T10:00:09.769-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-08T10:00:09.769-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="multiple offers" /><title>Some things buyers say in a changing market…</title><content type="html">&lt;a href="http://2.bp.blogspot.com/-0cVlUjosa2g/UKUEARABkVI/AAAAAAAAJf4/_FOngEfsfxw/s1600/questions.GIF" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="120" src="http://2.bp.blogspot.com/-0cVlUjosa2g/UKUEARABkVI/AAAAAAAAJf4/_FOngEfsfxw/s200/questions.GIF" width="200" /&gt;&lt;/a&gt;&lt;span style="color: #0b5394;"&gt;&lt;span style="color: black;"&gt;Although some are not yet convinced the real estate market is shifting to a seller's market, it is swinging to the other side.&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #0b5394;"&gt;&lt;span style="color: black;"&gt;And as the market changes some will still be asking questions about seller motivations as well as responses to offers.&amp;nbsp; What are some of the questions?&lt;/span&gt;&lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;&lt;span style="color: #0b5394;"&gt;&lt;b&gt;Why didn’t they counter?&lt;/b&gt;&lt;/span&gt;&amp;nbsp; It was a multiple offer situation. when their agent said that, it was a negotiation&lt;b&gt;&lt;span style="color: #0b5394;"&gt;&amp;nbsp;&lt;/span&gt;&lt;/b&gt;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;&lt;span style="color: #0b5394;"&gt;But a condo in the same complex &lt;i&gt;with more upgrades&lt;/i&gt; sold for the same thing two months ago! &lt;/span&gt;&lt;/b&gt;Lower inventories and more buyers in the market place will cause prices to rise - regardless of product type.&lt;b&gt;&lt;span style="color: #0b5394;"&gt;&amp;nbsp;&lt;/span&gt;&lt;/b&gt;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;&lt;span style="color: #0b5394;"&gt;They don’t &lt;i&gt;really&lt;/i&gt; expect to get list price, do they?&amp;nbsp;&lt;/span&gt;&lt;/b&gt; Expectations are rising as prices rise. Sellers may not get their asking price but 95-96% is realistic - &lt;i&gt;not an 80-85% offer&lt;/i&gt;.&lt;/li&gt;
&lt;/ul&gt;
&lt;b&gt;So what does a buyer do?&amp;nbsp;&lt;/b&gt; Make your initial offer a good one - reasonable price with only necessary conditions (inspections, financing, etc). &lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://moving2brevard.com/Search_Listings_In_Your_Area" target="_blank"&gt;&lt;img border="0" height="39" src="http://1.bp.blogspot.com/-JVIQsCQ8yTc/UEph4o8DjOI/AAAAAAAAIY4/Eh7LpdVdHTs/s320/search.JPG" width="320" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;img border="0" height="320" src="http://1.bp.blogspot.com/-ZRsJUp-uTak/UHsEDp6NA9I/AAAAAAAAI9k/Kb6qiDm1GC0/s320/questions+email.JPG" width="196" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;ul&gt;
&lt;/ul&gt;
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&lt;br /&gt;
For the past five or six years&amp;nbsp; many have sat on the sidelines awaiting the great bottoming out of the real estate market.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;When did the real estate market bottom out?&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
I am not sure &lt;i&gt;yet&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
Statisticians will tell us&lt;i&gt; one day&lt;/i&gt; when all the numbers are recorded and plotted.&amp;nbsp; The thing about a market bottom&lt;i&gt; &lt;/i&gt;(or high) is that your proof is always provided &lt;u&gt;after the fact&lt;/u&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Here are some of my observations for those considering buying a house or condo in Brevard County, Florida:&lt;/b&gt;&lt;br /&gt;
&lt;ol&gt;
&lt;li&gt;&lt;i&gt;Foreclosures and short sales are no longer fire sales.&amp;nbsp;&lt;/i&gt;&lt;/li&gt;
&lt;li&gt;&lt;i&gt;Multiple offers is a common occurrence.&amp;nbsp;&lt;/i&gt;&lt;/li&gt;
&lt;li&gt;&lt;i&gt;Prices are rising.&amp;nbsp;&amp;nbsp;&lt;/i&gt;&lt;/li&gt;
&lt;li&gt;&lt;i&gt;Inventory is shrinking.&amp;nbsp;&lt;/i&gt;&lt;/li&gt;
&lt;li&gt;&lt;i&gt;Even "flippers" seem to be returning to the market.&lt;/i&gt;&lt;/li&gt;
&lt;/ol&gt;
&lt;b&gt;If you are indecisive about whether to purchase a home Brevard County&lt;/b&gt;, give me a call or &lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;u&gt;send me an email&lt;/u&gt;&lt;/a&gt;. I will gladly send you listings and information to consider while making your decision.&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://www.moving2brevard.com/" target="_blank"&gt;&lt;img border="0" height="199" src="http://3.bp.blogspot.com/-haGRkjZ1IVA/UGH6jNN-rNI/AAAAAAAAIrM/QdfeuxemZqs/s320/New+logo+3.JPG" width="320" /&gt;&lt;/a&gt;&lt;/div&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/2100087812235107860?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/2100087812235107860?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/has-real-estate-market-bottomed-out-in.html" title="Has the real estate market bottomed out in Brevard County, Florida?" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://3.bp.blogspot.com/-haGRkjZ1IVA/UGH6jNN-rNI/AAAAAAAAIrM/QdfeuxemZqs/s72-c/New+logo+3.JPG" height="72" width="72" /></entry><entry gd:etag="W/&quot;DkMEQ3c5fSp7ImA9WhBUF0k.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-6360369452982538404</id><published>2013-05-05T05:00:00.000-04:00</published><updated>2013-05-05T05:00:02.925-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-05T05:00:02.925-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="preparing your home for sale" /><category scheme="http://www.blogger.com/atom/ns#" term="home seller tips" /><title>Home Seller Tips - Whatever you do when preparing to sell include these items...</title><content type="html">&lt;b&gt;When preparing your home for the market there are many things that can be done to improve its appeal to prospective buyers.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
Some of these include things like obvious things...&lt;br /&gt;
&lt;ol&gt;&lt;a href="http://2.bp.blogspot.com/-o6yABWTfv68/UNcQVEVcA9I/AAAAAAAAKBY/pd6CLbpIUnA/s1600/painting.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="190" src="http://2.bp.blogspot.com/-o6yABWTfv68/UNcQVEVcA9I/AAAAAAAAKBY/pd6CLbpIUnA/s200/painting.JPG" width="200" /&gt;&lt;/a&gt;
&lt;li&gt;De-clutter - too much stuff is always bad,&amp;nbsp;&lt;/li&gt;
&lt;li&gt;De-personalize - you are selling your house, not your accomplishments or children,&lt;/li&gt;
&lt;li&gt;Fresh paint - neutral colors are a must if you have “wild” or dark walls,&amp;nbsp;&lt;/li&gt;
&lt;li&gt;Landscaping - remember what mom said about first impressions,&lt;/li&gt;
&lt;li&gt;Clean - common sense and can’t be emphasized enough.&lt;/li&gt;
&lt;/ol&gt;
&lt;b&gt;Even if the above are neglected, do these 100% of the time.&lt;/b&gt;&lt;br /&gt;
&lt;ol&gt;
&lt;li&gt;Do not leave your computers on.&amp;nbsp; A flash drive and anyone can down load files.&amp;nbsp; Better yet turn off your computers.&amp;nbsp; If you have laptops, an iPad or any other data holding device, lock them away.&lt;/li&gt;
&lt;li&gt;Almost all homes have file cabinets with important documents like old tax returns, financial records and the like.&amp;nbsp; Hide, remove or securely store items an identity thief could use.&lt;/li&gt;
&lt;li&gt;Store securely any expensive jewelry.&amp;nbsp; And while you are at it store away any medications.&lt;/li&gt;
&lt;li&gt;Weapons.&amp;nbsp; Make sure all handguns, rifles and the like are locked away.&amp;nbsp; Protect yourself and any children who may accompany showings.&lt;/li&gt;
&lt;/ol&gt;
&lt;b&gt;Selling your home is an adventure!&amp;nbsp;&lt;/b&gt; Do all you can to protect yourself and others! &lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Considering selling your Viera, Rockledge, or Suntree home?&lt;/b&gt;&amp;nbsp; Call me at 321-693-3850 if I can help in any way.&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;img border="0" src="http://2.bp.blogspot.com/-unh-bVUdKy4/UCpR49l1QsI/AAAAAAAAIJg/JfrGQ0UQuRI/s1600/email+me.JPG" /&gt;&lt;/a&gt;&lt;/div&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/6360369452982538404?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/6360369452982538404?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/home-seller-tips-whatever-you-do-when.html" title="Home Seller Tips - Whatever you do when preparing to sell include these items..." /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://2.bp.blogspot.com/-o6yABWTfv68/UNcQVEVcA9I/AAAAAAAAKBY/pd6CLbpIUnA/s72-c/painting.JPG" height="72" width="72" /></entry><entry gd:etag="W/&quot;A0MBRng_fCp7ImA9WhBUFks.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-8379680351733491864</id><published>2013-05-04T08:10:00.000-04:00</published><updated>2013-05-04T08:10:57.644-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-04T08:10:57.644-04:00</app:edited><title>Are all pre-approvals created equally?</title><content type="html">&lt;strong&gt;On the surface one would think a pre-approval for an FHA mortgage from one lender should be no different than with another lender, right?&lt;/strong&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="http://3.bp.blogspot.com/-RsoHOmo49fM/UEtG6h9iB4I/AAAAAAAAIas/TPdocBUGS8s/s1600/MM900283199%255B1%255D.gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" src="http://3.bp.blogspot.com/-RsoHOmo49fM/UEtG6h9iB4I/AAAAAAAAIas/TPdocBUGS8s/s1600/MM900283199%255B1%255D.gif" /&gt;&lt;/a&gt;&lt;/div&gt;
I&amp;nbsp; recently had a&amp;nbsp;home buyer switch lenders during the mortgage process (after the target property was found).&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;It was a necessary move.&lt;/em&gt;&lt;br /&gt;
&lt;br /&gt;
As closing got nearer I heard the "new" lender say something resembling “I wonder what so and so used to determine the pre-approval amount.”&lt;br /&gt;
&lt;br /&gt;
Are the standards different from lender to lender?&amp;nbsp;&lt;em&gt; &amp;nbsp;Just wondering….&lt;/em&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;I always recommend buyers investigate mortgage products at their normal banking institution whether credit union, bank or whatever.&lt;/strong&gt;&amp;nbsp; &amp;nbsp;Going where they know you is always a good starting point.&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Then you can compare products later.&lt;/em&gt;&lt;br /&gt;
&lt;em&gt;&lt;/em&gt;&lt;br /&gt;&lt;div class="blogger-post-footer"&gt;&lt;script type="text/javascript"&gt;&lt;!--
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/8379680351733491864?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/8379680351733491864?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/are-all-pre-approvals-created-equally.html" title="Are all pre-approvals created equally?" /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://3.bp.blogspot.com/-RsoHOmo49fM/UEtG6h9iB4I/AAAAAAAAIas/TPdocBUGS8s/s72-c/MM900283199%255B1%255D.gif" height="72" width="72" /></entry><entry gd:etag="W/&quot;C0UEQHcyeSp7ImA9WhBUFkw.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-3633069951450956539</id><published>2013-05-03T16:00:00.000-04:00</published><updated>2013-05-03T16:00:01.991-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-03T16:00:01.991-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="danger of pricing high" /><title>Either "Sell" or "Don't Sell" - Why "testing the waters" is not the best strategy.</title><content type="html">&lt;div class="separator" style="clear: both; text-align: left;"&gt;
&lt;a href="http://2.bp.blogspot.com/-0cVlUjosa2g/UKUEARABkVI/AAAAAAAAJf4/_FOngEfsfxw/s1600/questions.GIF" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="120" src="http://2.bp.blogspot.com/-0cVlUjosa2g/UKUEARABkVI/AAAAAAAAJf4/_FOngEfsfxw/s200/questions.GIF" width="200" /&gt;&lt;/a&gt;I received an email for a prospective &lt;i&gt;"testing the waters"&lt;/i&gt; seller inquiring about how the real estate market was in Brevard County, Florida.&lt;/div&gt;
&lt;br /&gt;
My&amp;nbsp;response was simple....&lt;br /&gt;
&lt;blockquote class="tr_bq"&gt;
&lt;strong&gt;&lt;span style="color: #444444;"&gt;Overall, the market is picking up.&amp;nbsp; Prices are rising somewhat and the inventory is tight.&lt;/span&gt;&lt;/strong&gt;&lt;/blockquote&gt;
&lt;div&gt;
&lt;strong&gt;&lt;blockquote class="tr_bq"&gt;
&lt;span style="color: #444444;"&gt;As for "testing the waters," anytime one places their home on the market there will be a &lt;span style="background-color: white; color: #444444;"&gt;golden period&lt;/span&gt; where it will either &lt;u&gt;generate a lot of interest&lt;/u&gt; or &lt;u&gt;get ignored&lt;/u&gt;.&lt;/span&gt;&lt;/blockquote&gt;
&lt;/strong&gt;&lt;/div&gt;
&lt;blockquote class="tr_bq"&gt;
&lt;a href="http://2.bp.blogspot.com/-tVQRai5W9_s/UQFA5o04jZI/AAAAAAAAKhQ/VL1LHkFr45I/s1600/reduced.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="86" src="http://2.bp.blogspot.com/-tVQRai5W9_s/UQFA5o04jZI/AAAAAAAAKhQ/VL1LHkFr45I/s320/reduced.JPG" width="320" /&gt;&lt;/a&gt;&lt;strong&gt;&lt;span style="color: #444444;"&gt;Prospective&amp;nbsp;sellers should seriously consider their &lt;u&gt;initial listing price&lt;/u&gt;.&lt;/span&gt;&lt;/strong&gt;&lt;/blockquote&gt;
&lt;div&gt;
&lt;strong&gt;&lt;blockquote class="tr_bq"&gt;
&lt;span style="color: #444444;"&gt;When a listing price is too high the inevitable&amp;nbsp;series of &lt;em&gt;price reductions&lt;/em&gt; only lowers the seller's position in he eye of buyers.&amp;nbsp; Buyers will look at the property as "&lt;u&gt;What is wrong&lt;/u&gt;?" or "&lt;u&gt;The seller must really getting desperate by now&lt;/u&gt;."&amp;nbsp; Neither of these views benefits a seller.&lt;/span&gt;&lt;/blockquote&gt;
&lt;/strong&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;strong&gt;The above should simply be interpreted this way....&lt;/strong&gt; Sellers make the initial decision and the real estate market will follow.&amp;nbsp; &lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Choose wisely.&lt;/em&gt;&lt;br /&gt;
&lt;em&gt;&lt;/em&gt;&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" rel="nofollow" target="_blank"&gt;&lt;img border="0" height="320" src="http://3.bp.blogspot.com/-sUFsFxtnB9M/UHRPw0aostI/AAAAAAAAI3g/jd20s4GoIBs/s320/questions+email.JPG" width="196" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;br /&gt;&lt;/div&gt;
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/3633069951450956539?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/3633069951450956539?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/either-sell-or-dont-sell-why-testing.html" title="Either &quot;Sell&quot; or &quot;Don't Sell&quot; - Why &quot;testing the waters&quot; is not the best strategy." /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://2.bp.blogspot.com/-0cVlUjosa2g/UKUEARABkVI/AAAAAAAAJf4/_FOngEfsfxw/s72-c/questions.GIF" height="72" width="72" /></entry><entry gd:etag="W/&quot;DEEEQHoyfSp7ImA9WhBUFU8.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-14362459895259088</id><published>2013-05-02T16:30:00.000-04:00</published><updated>2013-05-02T16:30:01.495-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-02T16:30:01.495-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="multiple offers" /><title>As the housing market heats up so does the multiple offer competition </title><content type="html">Over the past several months almost every one of my home buyer clients have found themselves in a&lt;b&gt; multiple offer situation.&amp;nbsp; &lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;u&gt;That is a sign of the times in Brevard County, Florida real estate&lt;/u&gt; – more buyers, fewer sellers, improving prices.&lt;br /&gt;
&lt;br /&gt;
&lt;a href="http://2.bp.blogspot.com/-wXQeTP7B6ng/UDJNlWT4jsI/AAAAAAAAIQA/q5-IJQzwL5w/s1600/eye+on+money.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="55" src="http://2.bp.blogspot.com/-wXQeTP7B6ng/UDJNlWT4jsI/AAAAAAAAIQA/q5-IJQzwL5w/s200/eye+on+money.jpg" width="200" /&gt;&lt;/a&gt;Prospective home buyers should understand the &lt;b&gt;multiple offer &lt;/b&gt;situation.&lt;b&gt;&amp;nbsp;&lt;/b&gt; The seller’s agent tells your real estate agent that more than one offer is expected (&lt;i&gt;or has been received&lt;/i&gt;).&amp;nbsp; The seller’s agent will not disclose the amount of any other offer but rather will likely just say &lt;i&gt;“give me your &lt;u&gt;best offer&lt;/u&gt; by X o’clock.”&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #660000;"&gt;&lt;b&gt;So what should a buyer do when presented with a multiple offer situation?&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Seriously consider your first &lt;/b&gt;(and ultimately, only)&lt;b&gt; offer price.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;But don't get caught up in the moment.&lt;/i&gt;&amp;nbsp;&amp;nbsp; It is often best to decide early on the most you are willing to pay regardless of the number of offers. &lt;br /&gt;
&lt;br /&gt;
A buyer’s commitment to particular house &lt;i&gt;(&lt;/i&gt;read this as&lt;i&gt; emotional 
attachment)&lt;/i&gt; will direct their approach to the multiple offer situation.&lt;br /&gt;
&lt;br /&gt;
It is critical that buyers facing multiple offers consult their real estate agent and 
respond in a way that, &lt;i&gt;regardless of outcome&lt;/i&gt;, you are satisfied.&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;img border="0" height="241" src="http://3.bp.blogspot.com/-TNW4JlWFT0U/UE3rA0itdYI/AAAAAAAAIcY/applt_C5w04/s320/Serving+Brveard+Send+Email.JPG" width="320" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;u&gt; &lt;/u&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;div class="blogger-post-footer"&gt;&lt;script type="text/javascript"&gt;&lt;!--
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&lt;/script&gt;&lt;/div&gt;</content><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/14362459895259088?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/23734800/posts/default/14362459895259088?v=2" /><link rel="alternate" type="text/html" href="http://www.garywatersrealty.com/2013/05/as-housing-market-heats-up-so-does.html" title="As the housing market heats up so does the multiple offer competition " /><author><name>Gary L Waters</name><uri>https://plus.google.com/100327808597456907160</uri><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="32" src="//lh3.googleusercontent.com/-9Y3gj80LKjQ/AAAAAAAAAAI/AAAAAAAAJzE/J3DErPaMYAU/s512-c/photo.jpg" /></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://2.bp.blogspot.com/-wXQeTP7B6ng/UDJNlWT4jsI/AAAAAAAAIQA/q5-IJQzwL5w/s72-c/eye+on+money.jpg" height="72" width="72" /></entry><entry gd:etag="W/&quot;CEcERHkzfCp7ImA9WhBUFEk.&quot;"><id>tag:blogger.com,1999:blog-23734800.post-8213698515533536265</id><published>2013-05-01T17:00:00.000-04:00</published><updated>2013-05-01T17:00:05.784-04:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2013-05-01T17:00:05.784-04:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="home buyer tips" /><category scheme="http://www.blogger.com/atom/ns#" term="who pays the buyers agent" /><title>Home Buyer Tips - How do real estate agents get paid?  </title><content type="html">First time home buyers often are confused by the home purchase process.&amp;nbsp; One area of confusion seems to be about who pays THEIR real estate agent.&lt;br /&gt;
&lt;a href="http://1.bp.blogspot.com/-qP3Q2WmEvCI/USoWOvQW4BI/AAAAAAAALGY/z0KyibS8P9A/s1600/MMj03652600000%255B1%255D.gif" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="124" src="http://1.bp.blogspot.com/-qP3Q2WmEvCI/USoWOvQW4BI/AAAAAAAALGY/z0KyibS8P9A/s200/MMj03652600000%255B1%255D.gif" width="200" /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;span style="color: #660000;"&gt;&lt;b&gt;As a home buyer you do not pay YOUR real estate agent.&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;So, how do real estate agents get paid?&amp;nbsp; &lt;/i&gt;&lt;br /&gt;&lt;br /&gt;
When a home is listed for sale the listing real estate agent (&lt;em&gt;the one who has the sign out front&lt;/em&gt;) includes in the listing agreement the compensation terms. &amp;nbsp; Although it is &lt;u&gt;variable and negotiable&lt;/u&gt;,
 it is most often a percentage of the selling price.&amp;nbsp; The seller's agent 
then (normally) splits that designated amount with the buyer’s agent.&lt;br /&gt;
&lt;br /&gt;
&lt;span style="color: #660000;"&gt;&lt;b&gt;Here is a key point about how any real estate agent gets paid....&lt;/b&gt;&lt;/span&gt; Because real estate agents do not get paid unless a purchase/sale is made one of the first things any real estate agent will do is &lt;u&gt;qualify the customer&lt;/u&gt;.&amp;nbsp; (&lt;i&gt;Yes, ask a lot of questions&lt;/i&gt;.)&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;If the customer is a buyer this involves having the prospective buyer get &lt;u&gt;pre-approved&lt;/u&gt; for a mortgage or provide &lt;u&gt;proof of funds&lt;/u&gt; if they are cash buyers.&lt;/li&gt;
&lt;li&gt;If the customer is a seller then part of the listing interview involves qualifying the seller's motivation.&amp;nbsp;&amp;nbsp; Marketing a property requires a monetary 
investment as well as lots of energy.&amp;nbsp; If a seller is not motivated to sell (competitive price, ready to prepare the property, cooperate with showing requests, etc.) then there is little reason to go through the motions.&lt;/li&gt;
&lt;/ul&gt;
As a Realtor® working with buyers and sellers in Florida, &lt;u&gt;I do not make anything unless a transaction happens&lt;/u&gt; – &lt;i&gt;either I help you buy or sell.&amp;nbsp;&lt;/i&gt;&lt;i&gt;&lt;br /&gt;&lt;/i&gt;
When you are ready to buy or sell a house in Brevard County, Florida, please give me a call to discuss how I can work with you.&amp;nbsp; &lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;&lt;span style="font-size: large;"&gt;&lt;b&gt;If you prefer, send me an email.&lt;/b&gt;&lt;/span&gt;&lt;/a&gt;&lt;br /&gt;
&lt;i&gt;&lt;br /&gt;&lt;/i&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;
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&lt;i&gt;&lt;br /&gt;&lt;/i&gt;
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&lt;br /&gt;
These results will likely change somewhat over the next week as end of month closings are entered into the Brevard MLS system.&lt;i&gt; (March 2013 in parentheses).&lt;/i&gt;&lt;br /&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Residential properties sold&lt;/b&gt; – 701 (757)&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Average Days on Market&lt;/b&gt; – 81 (78)&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Median Days on Market&lt;/b&gt; – 38 (40)&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Average List Price&lt;/b&gt; – $167,318&amp;nbsp;&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Average Selling Price&lt;/b&gt; – $158,128 (148,972) &lt;b&gt;&amp;nbsp;&lt;/b&gt;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;List/Sell Ratio&lt;/b&gt; – 95%&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Median List Price&lt;/b&gt; – $129,000&amp;nbsp;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Median Selling Price&lt;/b&gt; – $123,000 ($114,000)&amp;nbsp; &lt;b&gt;&amp;nbsp;&lt;/b&gt;&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Supply &lt;/b&gt;– 4.2 months (4.2)&lt;/li&gt;
&lt;/ul&gt;
A quick look at the April 2013 residential sales in Brevard County shows the real picture – &lt;i&gt;selling price is rising, inventory is shrinking.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
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&lt;/b&gt; &lt;b&gt;Although it does not happen much anymore it was common place back during the big real estate price run up&lt;/b&gt;…. &lt;i&gt;buyers wanting to know what the sellers paid for a property&lt;/i&gt;.&lt;br /&gt;
&lt;br /&gt;
Six, seven or maybe eight years ago buyers were frequently gauging the &lt;i&gt;“profit”&lt;/i&gt; the seller was making in the &lt;u&gt;then&lt;/u&gt; out of control market place. &amp;nbsp;[The "profit" motive eventually led some flippers to financial ruin but that is another topic.]&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;But, in my experience, this is less common in 2013&lt;/b&gt;.&lt;br /&gt;
&lt;br /&gt;
One reason is most properties are selling for less than the seller paid if the purchase was made five or six years ago. &amp;nbsp;Or, if the seller purchased the home ten or so years ago, the list price is probably not far from the market today.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;The reality is what someone paid is not nearly as important as what a ready, willing able buyer is willing to pay.&amp;nbsp;&lt;/b&gt;&lt;br /&gt;
&lt;b&gt;&lt;br /&gt;
&lt;/b&gt; &lt;b&gt;&lt;span style="color: #cc0000;"&gt;There is an &lt;/span&gt;&lt;/b&gt;&lt;b style="text-decoration: underline;"&gt;&lt;span style="color: #cc0000;"&gt;ideal selling price&lt;/span&gt;&lt;/b&gt; and what one paid is likely not a valid component of the determination.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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&lt;span style="color: #e69138;"&gt;&lt;b&gt;Florida Today April 28, 2013&lt;/b&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;script type="text/javascript"&gt;&lt;!--
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&lt;div style="text-align: center;"&gt;
&lt;b&gt;&lt;span style="color: #38761d;"&gt;March 2013 Brevard County, Florida Monthly Market Summary Single Family Homes&amp;nbsp;&lt;/span&gt;&lt;/b&gt;&lt;/div&gt;
&lt;br /&gt;
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&lt;br /&gt;
Fairway Lakes homes are built by some of the most desirable custom builders around – like Christopher Burton Custom Homes, Arthur Rutenberg, and Viera Builders.&amp;nbsp;&amp;nbsp; Although not presently building any new homes at times there are resale properties constructed by Toll Brothers.&lt;br /&gt;
&lt;br /&gt;
&lt;a href="http://2.bp.blogspot.com/-rT9P6JRm8OA/UCvu1mFerNI/AAAAAAAAILY/dJT8ZUDJLHY/s1600/WYNDHAM+2.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="79" src="http://2.bp.blogspot.com/-rT9P6JRm8OA/UCvu1mFerNI/AAAAAAAAILY/dJT8ZUDJLHY/s200/WYNDHAM+2.JPG" width="200" /&gt;&lt;/a&gt;Located near &lt;a href="http://viera.shoptheavenue.com/" style="background-color: #b6d7a8;" target="_blank"&gt;The Avenues at Viera&lt;/a&gt; shopping&amp;nbsp;complex, the new &lt;a href="http://www.vierahospital.org/" target="_blank"&gt;&lt;span style="background-color: #b6d7a8;"&gt;Viera Hospital&lt;/span&gt;&lt;/a&gt;, Viera High School, and more, Fairway Lakes offers homeowners a great location, quality homes and very reasonable prices.&lt;br /&gt;
&lt;br /&gt;
Since January 2013&amp;nbsp;began&amp;nbsp;there have been three homes sold at Fairway Lakes with an average selling price of $587,000 (highest priced sale of $622K for a new construction).&amp;nbsp; Over the past twelve months there have been eight homes sold in Fairway Lakes at Viera &lt;i&gt;(seven of these since August 1, 2012).&lt;/i&gt;&lt;br /&gt;
&lt;a href="http://2.bp.blogspot.com/-OMbk0Hi7Clg/UXkuBP11nII/AAAAAAAALg8/Vzqe-wQeUcA/s1600/100_5242.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="150" src="http://2.bp.blogspot.com/-OMbk0Hi7Clg/UXkuBP11nII/AAAAAAAALg8/Vzqe-wQeUcA/s200/100_5242.JPG" width="200" /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;b&gt;Currently there are four active listings in Fairway Lakes with another under contract.&lt;/b&gt;&amp;nbsp; Active listings are priced from $429,000 to $629,900.&amp;nbsp; Interestingly two of the listings are in the $400,000 range and two are in the $600,000 range.&lt;br /&gt;
&lt;br /&gt;
In Fairway Lakes homes range in size from just over 2,000 to well over 4,000 square feet under air. Some have two car&amp;nbsp;garages&amp;nbsp;and others larger garages. &amp;nbsp;Some&amp;nbsp;are&amp;nbsp;direct&amp;nbsp;golf course view, some are on the water.&lt;br /&gt;
&lt;br /&gt;
T&lt;u&gt;here is something in Fairway Lakes at Viera for most buyers looking for executive living in Viera,&amp;nbsp;Florida&lt;/u&gt;.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;For information on homes for sale in Viera&amp;nbsp;&lt;/b&gt;including&amp;nbsp;Fairway Lakes and neighboring &lt;u&gt;Wyndham at Duran&lt;/u&gt;, please give me a call at 321-693-3850. &amp;nbsp;&lt;a href="mailto:agent@moving2brevard.com" target="_blank"&gt;I&lt;span style="background-color: #b6d7a8;"&gt;f you prefer, just send me an email.&lt;/span&gt;&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
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