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Deltona, FL

Global Perspectives On the Market Crash

Ron Wysocarski Daytona Beach Florida Real Estate Agent - Loan Officer : Loan Officer in Port Orange, FL

By my nature, I am an optimist that does his level best to present the facts that allow my readership to make their own informed decisions.

Clearing up a few myths... Social security will run out in 2016 if something is not done right away is not quite an accurate statement. Click here to see an interesting article from a senior editor at Money Magazine.

"It seems like everyone got away with insider trading when the market crashed" ...well not exactly. It has been announced that an Ex-Morgan Stanley Banker will have 7 years to think about his lack of good judgment. Click Here to see his story of incredible greed.

"Homeowners are better off with a loan modification". Statistics show that 25-40% end up going delinquent after their loan is modified, and that 90% end up with a higher loan principle balance after it is completed. Click here to see what the Florida Association of Realtors had to say.

Keeping an eye on the markets for you is my business. Please keep those much appreciated referrals coming in.

If you know anyone purchasing a home, selling a home, or refinancing a current mortgage, I am a home pricing specialist.

I am your one stop shopping choice. Sell your home with me today. Find out how your home can qualify to be featured on realtor.com.

Foreclosure VS Short Sale

08-23-09
Yvonne Long
Yvonne Long: Real Estate Agent in Deltona, FL

What you don't know could cost you! I am sure everyone has heard the "gloom and doom" news about short sales and foreclosures. As I am also sure there are some very confused, homeowners out there. I get asked on a frequent basis ,what is the difference between a short sale and foreclosure, they both effect your credit don't they? True but I have placed just a few differences between short sales and foreclosures below:

1. With a foreclosure your credit score may drop from 250 to more than 300 points, however with a short sale your credit score may drop as little as 50 point.

2. Foreclosure's will stay on your credit for 10 years or more, short sales are not specifically reported on a credit history. The loan is typically reported 'paid in full, settled'.

3. With a foreclosure you will be ineligible for a Fannie Mae backed mortgage for 7 years, with a short sale you will be eligible for a Fannie Mae backed mortgage after only 2 years.

4. With a foreclosure the bank has the right to pursue a deficiency judgment in all foreclosure cases ( except in states with no deficiency), in a short sale the lender (bank) will usually give up the right to a deficiency judgment, if this is a short sale of your primary residence.

I know this is a confusing time for homeowners who find themselves faced with either option, but know your options, if you need any further information regarding short sales and foreclusre feel free to contact me.

Yvonne Long,Realtor

yvonnel.long@gmail.com

Innovative Realty Solutions Group, Inc.

Deltona Rentals

New Tampa Property Management: Real Estate Brokerage in Tampa, FL

Deltona Rentals

New Tampa Property Management: Real Estate Brokerage in Tampa, FL

Spruce up Deltona 2009!!

Your Central Florida Connection to Real  Estate, Laura Forty-Garcia: Real Estate Agent in Lake Mary, FL
"Spruce up Deltona"


City plans weekend to involve community in Improving Deltona!!


The City of Deltona has designated the weekend of April 3-6 as the annual “Spruce Up Deltona” and residents are encouraged to get involved. During Spruce Up ’09, residents are encouraged to work to improve the overall appearance of the City. The success of the week depends entirely on the participation and support of Deltona’s Citizens and Businesses. Residents are encouraged to clean up their yards, throw out unneeded items and plant flowers—especially azaleas, Deltona’s Official City Flower.

Suggested Spruce Up tasks include trimming and mowing grasses and shrubs; planting shrubs; cleaning, repairing or painting exterior surfaces of homes and buildings including walls, porches, gutters, roofs, pools, etc.; disposing of leaves and branches, accumulated debris, and unneeded items stored in carports or elsewhere; adopting the vacant lot next door or nearby and cleaning the right-of-way, and joining an adopt a street program to keep your street or block looking sharp year-round.
Large dumpsters for trash and unwanted items will be available at 2391 Day Road just off of Howland Boulevard near the U.S. Post Office. Items may be taken to the dump site from 8 a.m. to 4 p.m., April 3; from 8 a.m. to 4 p.m., April 4; from 8 a.m. to 2 p.m., April 5 or from 8 a.m. to 4 p.m., April 6. Please do not leave tires, motor oil, auto parts, paint, hazardous household materials, pool chemicals or large appliances. For more information on Spruce Up, call City Hall, (386) 878-8100.