Maria Borci P.A. ABR-TRC-ASP Doral Kendall FL Real Estate

When it comes to eat real italian food my choice is Il Forno ( The Oven). My italian roots tell me this is the right place to eat in Doral and my fav!

Located across the street of the Doral Police headquarters at 9350 NW 25th St Doral this place will delight you with high italian cuisine and an excelent decoration in the heart of the city of Doral Fl.

High italian recipes and wood oven is used for most of their authentic italian cuisine from oven pizza to ossobuco with truffle oil.

Wines selection is awesome...and mojitos is another option for Miami's latin taste.

Sweet tooth? Pick just one...

Sorbetto alla Vodka
Lemon Italian sorbet with frozen vodka
Tiramisu Classico
Classic Italian dessert with imported lady fingers cookies, expresso caffe and mascarpone cheese
Budino di Cocco
Coconut flan with mango confit
Mousse di Ciocolatto Grand Marnier
Supreme Swiss chocolate mousse with strawberries and Grand Marnier Liquor
Profiterol
Cream puffs filled with vanilla and coffee cream dressed in hot chocolate ganage
Zabaglione al Marsala 7
Sicilian custard like mixture flavored with a Marsala wine
Coppa Melba
Vanilla ice cream served with peach topped with home made Melba sauce & almonds
Coppa Danimarca
Vanilla ice cream with pear & hot chocolate Ganage
Panna Cotta con Frutti di Bosco
Italian vanilla custard with cullies of wild berries
Crepe di Nutella
Crepe filled with fresh strawberries and hazelnut-chocolate spread. Served with vanilla ice cream
Affogato del Pippo
Scoop of vanilla ice cream in a double espresso with grappa, topped with whipped cream
Gelati Sorbetti Misti
A variety of fruit Italian sorbet
Cannolo Siciliano
Tube-shaped shell filled with creamy ricotta cheese blended with chocolate and pistachio.
Guava Cheese Cake

End with a Macchiato - a shot of espresso with a small amount of hot foamed milk and voila!!

Reservations a must on weekends.

Bon Appetito,

The Federal Reserve Board on Nov. 1, 2011 announced that borrowers who believe they were financially harmed during the mortgage foreclosure process by four institutions in 2009 and 2010 can now request an independent review and potentially receive compensation.

Four large mortgage servicers supervised by the Board--GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation--are required to conduct this program as part of their compliance with enforcement actions issued by the Board in April 2011. Under these actions, servicers are required to compensate borrowers for financial injury resulting from deficiencies in their foreclosure processes. A number of servicers supervised by the Office of the Comptroller of the Currency must also conduct the program.

Borrowers are eligible for a review if their primary residence was in the foreclosure process in 2009 or 2010, whether or not the foreclosure was completed. The review is intended to determine if those borrowers suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies.

To apply for a review, individuals may call 888-952-9105, Monday through Friday from 8 a.m. to 10 p.m. (ET), and Saturday from 8 a.m. to 5 p.m. (ET). Individuals can get more information about the review through a website set up by the servicers, www.IndependentForeclosureReview.com.

Requests for review by the servicers' independent consultants must be received by April 30, 2012. There are no costs associated with being included in the review.

Click here to read the entire press release from the Federal Reserve Bank.

More than half of Florida homeowners in foreclosure have not made a mortgage payment in two years or more. That’s higher than the national average and one indication of why banks are paying borrowers up to $20,000 to process a short sale instead.

56 percent of Florida’s mortgages in foreclosure are 24 months or more behind in payments, compared with 39 percent nationwide.

About 84 percent of Florida foreclosures are more than 18 months in arrears.

In January 2010, just 19 percent of Florida’s foreclosures were 24 months or more delinquent.

The longer delinquency rates are more evidence of a foreclosure bottleneck that could hinder a housing recovery.

Florida’s courts are mired in an estimated 350,000 foreclosures. Cases continue to be delayed as lenders and bank lawyers sort through last fall’s robo-signing scandal.

The lengthy delays could be a boon for some struggling borrowers as banks look for alternatives to languishing in foreclosure court, said Jack McCabe, chief executive of McCabe Research & Consulting in Deerfield Beach.

Last month, Bank of America quietly began a Florida-only campaign that gives homeowners up to $20,000 for a short sale rather than letting their homes linger.

Wells Fargo and J.P. Morgan Chase have similar short-sale programs, sometimes called “cash for keys.” McCabe said a woman he knows was told by Chase it would give her $35,000 for a short sale after she was only 60 days behind on payments.

Banks are finally starting to see that foreclosures are a very long, dragged-out process and it’s to their advantage to do a short sale They don’t want to incur the expense of a vacant home. They’re cutting their losses.

Although you’ll be transitioning out of your house, that does not necessarily mean going through foreclosure. Other solutions are available that may help you avoid eviction from—and the sale or auction of—the house that can occur during foreclosure.
There are some alternative options to a Short Sale which may help you to avoid a deficiency judgement against you and a bad record affecting your FICO credit score.

A- Short Sale
In a short sale, you sell your home and settle your mortgage debt for less than the amount you owe.

Generally takes less time to complete than a foreclosure, so your reported delinquency could be shorter
Credit may improve faster
You may be eligible for money to assist in relocation or Cash for Keys program ( up to 3000 dollars after vacating the house and leaving everything in good condition)

B- Deed in Lieu
If you are unable to sell your home in a short sale, there's another option.
Deed in Lieu of Foreclosure
With a deed in lieu of foreclosure, you give your property's deed to the bank instead of going through foreclosure. It's often an easier process than a foreclosure, but it will still have a negative impact on your credit.

3- HAMP Modification program.

A loan modification program introduced in 2009 to promote stability in the housing market. The Home Affordable Modification Program (HAMP) was aimed at helping homeowners who were devoting more than 31% their of gross income toward mortgage payments. Eligible homeowners can receive adjustments to the mortgage principal, interest rate or payments in order to get the percentage of income going to payments below 31%.

If the HAMP program does not get approved or you do not qualify then a Short Sale is the most appropiate alternative for you.

If you need more information please contact me