Your Central Florida Connection to Real Estate, Laura Forty-Garcia

Renewed trust for tough times

Does it feel like trust is one of the major casualties of the economic meltdown of 2008 – followed by the “Great Recession,” the “Jobless Recovery” and now the threat of a “Double Dip Recession?”

Weren’t we assured that home values were destined to go up and up and up?

There have been lots of promises that help is on the way—and lots of warnings of scams and schemes that have only served to confuse the matter. So where’s a homeowner who’s underwater or overleveraged to turn?

Here’s the bottom line: the choices that homeowners make when they feel they are at the end of their rope will have ramifications for years to come on their ability to qualify for credit, their job prospects, their security clearance and their overall finances. When a family’s financial trajectory is rapidly heading in a negative direction, there’s no substitute for the helping hand of a knowledgeable expert who has the integrity, the experience and the training to reverse the course—someone who is tapped into regulatory initiatives and can separate fact from fiction.

It is my mission to serve as a credible source of information and perspective to homeowners who have found themselves in a tough situation and need help sorting through their options. That’s why I sought out the Certified Distressed Property (CDPE) designation—the most renowned and recognized credential in the distressed property field, and it’s why I continue to stay on top of regulatory and industry developments that impact options available to homeowners who are struggling with their current financial situations.

My message to homeowners who do not know where to turn: there is hope. Foreclosure is not inevitable and neither the government nor your bank wants to see that happen. No one expected to find themselves on the brink of foreclosure, but I have worked with countless clients who have managed to turn their financial trajectory around and get on a path of financial recovery.

It CAN be done! And it would be my privilege to help

Baldwin Park is a often a First Choice, particularly amongst Professionals and Families and is close proximity to Downtown Orlando. With this being a walkable community and Being accessible to all of Central Florida makes this Community an Ideal Location.

A little over two miles from downtown Orlando, Baldwin Park is a planned community close to everything.

Having a special small-town atmosphere, this community is a Walkable community. It is pedestrian friendly with wide sidewalks, shops, restaurants, physicians, and offices within easy walking distance.

A full spectrum of housing is available, from Condominiums to Townhouses and Single-Family Homes to Elegant Mansions The Parks and Common areas are spread throughout the Development, making it easy to connect with neighbors. A great area to connect and meet your neighbors and friends while children are at play. With the various ammenities you can live in a great community, commute to work quickly and make it home in time to enjoy your evening.

Baldwin Park's Village Center is alive with Central Florida's newest streetscapes, shops, restaurants and offices. A waterfront destination, the Village Center has become a unique part of the Orlando restaurant and shopping scene. It's the only place you'll find casually sophisticated City Living, in the heart of a friendly, traditional neighborhood.

Baldwin Park offers excellent educational opportunities at some of the best Florida schools. In fact, students can walk to the best public high schools, middle schools and elementary schools that Orlando and Winter Park have to offer.

Orlando International Airport is only eight miles away and major highways are easily accessible, delivering you within minutes to a complete array of Restaurants, Theaters, Concert Venues, or the Amway Sports Arena for events.

Click on the links below to see available homes listed with various REALTOR® in the Local Orlando MLS.
Sorted by specifics of Single Family Homes, Townhomes and Condo's. Click directly on the photos to expand viewing Profile of Listing.

Updated Feb 21, 2011

Baldwin Park Single Family Homes For Sale

Baldwin Park Townhomes For Sale

Baldwin Park Condo For Sale

Should you have your wish list feel free to email me at LauraF1@Remax.net

Solving Your Mortgage Crisis Just Got Easier

5 Steps for a Successful Short Sale

Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.

If you are considering short selling your home to avoid the financial and emotional fallout of foreclosure, you should be aware of the five steps you should take to increase your chances of a successful transaction.

First, do you qualify?

You must:

•1. Have a verifiable hardship, like unemployment, medical bills, or relocation

•2. Must have a monthly income shortfall

•3. Be insolvent (you have no cash or assets that can be sold to pay down the mortgage), or headed towards insolvency

If you meet these qualifications, follow these five steps to a successful short sale:

•1. Contact me so we can identify your servicer, fill out a short sale packet for the lender, and assemble all the required information needed to list your home for sale

•2. Gather financial information (i.e., bank statements, pay stubs) from at least the last three months

•3. Keep your house in showcase condition for showings, and make as many repairs as necessary and that you can afford

•4. Expect the lender, junior lien holders, and private insurance companies to request more paperwork, and try to gather requested information quickly to ensure transaction efficiency

•5. Set realistic expectations and work with me, the lender, and the buyer to the satisfaction and benefit of all parties involved

For more information about how the short sale process works, or about any other foreclosure alternatives you may qualify for, call me today. I can help you alleviate the burden that the threat of foreclosure brings, and we can develop a strategy to help you breathe a little easier.

Make Financial Stability Your New Years Resolution for 2011!!!

There are steps you can take right now to avoid foreclosure and secure a brighter future.

During the holiday season, people celebrate and make plans for a prosperous future. Yet millions of Americans today are experiencing financial challenges, and the holidays only add more strain.

As a CDPE-designated Agent, I provide struggling homeowners with hope for the future by showing them options.

One option is a mortgage modification. Modification may help homeowners stay in their home by lowering mortgage payments.

Foreclosure alternatives such as mortgage modifications and short sales-both processes the federal government and trade organizations are pushing to be streamlined-have become prime solutions for both struggling homeowners and lenders to find common ground in this challenging housing environment.

"At this time of year, distressed homeowners are easily overwhelmed by finances, obligations and the added stress of the holidays," Garcia said. "The best course of action for homeowners looking for options is to gather more information. The report available on my site is a strong first step."

For more information about this and other solutions,

download the free report I've created at the website below:

www.FLORIDASHORTSALEDIVA.COM

Give me the opportunity to help restore hope and joy to your holiday season. Call today and resolve to help you or someone you know achieve financial stability in the New Year.

We understand that many homeowners across the State of Florida are having trouble making their mortgage payments. We also understand that your situation is very private and one of a personal nature. That is why I, Laura Forty-Garcia am here to help you find a solution that works for YOU.

Do not ignore your situation. Lenders are offering a variety of options to allow you to stay in your home.

1.) Repayment Plan. Through this type of plan, you enter into a written agreement with your Lender to allow you to suspend your payments for a period of time. This agreement is typically used if you have had a short-term reduction of income that severely impacts your ability to pay. At the end of the period in the agreement, you pay back the accumulated amount you owe in a lump sum. Or you might be able to set up a plan under which you pay your regular monthly mortgage payment and an additional amount each month to catch up on the delinquent payments over time. The repayment plan brings your account current over time as the payment obligations are met.

2.) Mortgage Deferment. In this situation, you agree to make portions of your mortgage payments at a later time. While the total amount paid will be the same or more, a deferment can be a way for you to buy more time and remain in your home if you are experiencing a temporary hardship.

3.) Modification. Sometimes, if your Income or Financial circumstances change is long-term, you may be unable to pay your existing monthly mortgage payments on an on-going basis. While you may not be able to refinance your mortgage, you may qualify for a mortgage modification. An example of a modification program is the recently introduced government program - the Home Affordable Modification Program, or HAMP. In addition to this program, there are similar lender-specific programs which your Lender may be able to offer you if you do not qualify for HAMP.

But what do you do if you find yourself in a Situation that you are going to be facing FORECLOSURE??

Again, there are Options..

1.) Short Sale. A Short Sale is when you sell your house for less than the Principal balance of the existing Mortgage. Typically in a Short Sale, the you the homeowner are experiencing a Financial Hardship, and if in agreement the property may be listed for Sale & Sold at less than what is owed on the existing Mortgage. The lender may agree to accept less than the full amount owed in order to consider the mortgage obligation complete.

2.) Deed-In-Lieu. A deed is a legal document that provides a record of ownership for a particular property. By signing over the deed, you are transferring ownership to the lender.

In both situations of a Short Sale and Deed-in-Lieu, you must be willing to leave your home and must work with your Lender to ensure the process is done correctly and proper procedures are Done.

We know it can be difficult to understand all of these options and figure out the best solution. However, the more you know, the better informed you will be when making a decision regarding your home. Trained as a CDPE (Certified Distressed Property Expert), I have the experience and knowledge to guide you through the SHORT SALE Process..

Do not hesitate to call me at 386-801-0878 or 407-333-4400 and Don't forget to ask for me, Laura Forty-Garcia, Your Short Sale Diva...