Silver Palm Properties

My decision to specialize in short sales came with the realization that the real estate markets in several areas of the country were in the kind of trouble that was not likely to go away soon. I made a commitment to concentrate my efforts on listing, selling and mitigating short sales because that was where the market was. As word spread that I was actually able to close these sales, the demand for my services grew to the point where it was no longer necessary to advertise!

When the recession hit hard, this increase in activity was phenomenal, considering that many realtors and brokers were hurting for business. I was being thanked by clients who were hugging me at the closing table and writing enthusiastic letters of recommendation. While I was grateful for these accolades, something didn’t feel right. I was seeing suffering and lives damaged by a process that did not feel like a victory to me. The truth is, negotiating a short sale is no fun – not for the realtors, the buyers, the sellers or the title companies. Many people are forced to seek this remedy because they have become ill, gone through divorce, or because they have to relocate for work outside of their home state.

Even in the absence of a catastrophic event, there is another kind of loss affecting numerous homeowners – hard working people who have placed their faith in a perceived asset that is now, in many cases, worth 50% less than they owe to a lender. What this situation amounts to is paying rent to lender on a depreciated property that may not recover its value for many years.

I would much rather be selling homes to people who walk away with a sense of optimism and a clear future path. Instead, I contend with lenders who seem to be making a game of messing with people’s lives. One of my clients nicknamed me “The Hammer” due to my tenacity in seeking fair outcomes from corporate lenders who often appear oblivious to the predicaments of their customers. The job of “The Hammer” is not pleasant, but it can, and often does, result in more equitable resolutions.

I am willing to fight for clients because I believe that they deserve a second chance, without the added insult of having a foreclosure on their records. However, I still find myself questioning the circumstances that bring about all this misery. If there is any good news in this story, it is that people are being forced to reevaluate their priorities. In the end, what is important is not an impeccable credit score or owning a home beyond one’s means. What is more important are the values associated with our pursuit of happiness.

The light at the end of this seemingly dark tunnel is achieved by our refusal to return to chasing material things with reckless abandon. We must not go back to the model of a lifestyle based on unbridled consumption. If the short sale phenomenon has taught us anything, it is that there are better choices.

Avery Piantedosi is the Broker/ Owner of Silver Palm Properties, located in Brevard County Florida. For help with a short sale or more information, please contact Silver Palm Properties at 321.212.8585 or silverpalmproperties@gmail.com

You can also visit our website: www.silverpalmflorida.com or www.silverpalmshortsales.com

WE ARE HERE TO HELP!

My decision to specialize in short sales came with the realization that the real estate market in Central Florida was in the kind of trouble that was not likely to go away soon. I made a commitment to concentrate my efforts on listing, selling and mitigating short sales because that was where the market was. As word spread that I was actually able to close these sales, the demand for my services grew to the point where it was no longer necessary to advertise!

When the recession hit hard, this increase in activity was phenomenal, considering that many realtors and brokers were hurting for business. I was being thanked by clients who were hugging me at the closing table and writing enthusiastic letters of recommendation. While I was grateful for these accolades, something didn’t feel right. I was seeing suffering and lives damaged by a process that did not feel like a victory to me. The truth is, negotiating a short sale is no fun – not for the realtors, the buyers, the sellers or the title companies. Many people are forced to seek this remedy because they have become ill, gone through divorce, or because they have to relocate for work outside of their home state.

Even in the absence of a catastrophic event, there is another kind of loss affecting numerous homeowners – hard working people who have placed their faith in a perceived asset that is now, in many cases, worth 50% less than they owe to a lender. What this situation amounts to is paying rent to lender on a depreciated property that may not recover its value for many years.

I would much rather be selling homes to people who walk away with a sense of optimism and a clear future path. Instead, I contend with lenders who seem to be making a game of messing with people’s lives. One of my clients nicknamed me “The Hammer” due to my tenacity in seeking fair outcomes from corporate lenders who often appear oblivious to the predicaments of their customers. The job of “The Hammer” is not pleasant, but it can, and often does, result in more equitable resolutions.

I am willing to fight for clients because I believe that they deserve a second chance, without the added insult of having a foreclosure on their records. However, I still find myself questioning the circumstances that bring about all this misery. If there is any good news in this story, it is that people are being forced to reevaluate their priorities. In the end, what is important is not an impeccable credit score or owning a home beyond one’s means. What is more important are the values associated with our pursuit of happiness.

The light at the end of this seemingly dark tunnel is achieved by our refusal to return to chasing material things with reckless abandon. We must not go back to the model of a lifestyle based on unbridled consumption. If the short sale phenomenon has taught us anything, it is that there are better choices.Bre

Silver Palm Property is Central Florida and Brevard Counties Short Sale Help: 1.321.212.8585- Don't Wait for the bank to foreclose on you! We are short sale experts and we can help!

Our Short Sale Services

At Silver Palm Properties, we know that the current market can be challenging. That is why we developed a short sale department and are experts at negotiating and closing residential, commercial and jumbo mortgage short sales. One purpose of this blog is to educate clients about the nature of the short sale process, including potential problems that may arise.

We have extensive experience working with all the major as well as many smaller lenders to obtain reduced payoffs on mortgages and second mortgages (or home equity loans), and to help people sell homes that are “underwater” (i.e. owing more than the home could sell for in the current market).

Working with a team of dedicated individuals allows me to achieve a high percentage of bank approvals.

We can help you avoid foreclosure, educate you on the alternative options to pursue with your lender and handle all the details involved in a successful short sale.

Defaulting on your mortgage and/or not being able to sell your home can be a stressful situation. Many homeowners know they are heading into default, even when they are not behind on payments yet. Most homeowners are unaware that they do have options. A successful short sale can minimize damage to your credit and allow you to sell your home quickly- even in this market!

Lenders are more likely to approve short sales when:

§ The homeowner is experiencing a hardship such as medical issues, job loss or divorce

§ The loan amount is higher than what the property can be sold for in the current market

§ The homeowner is facing foreclosure due to missed mortgage payments

§ The physical condition of the property does not allow for a fair market value sale

§ The homeowner is relocating out of state

Silver Palm Properties short sale services include:

§ Finding a buyer for your property- quickly!

§ Negotiating with your lender for a reduced payoff and FULL release of lien

§ Protecting you against deficiency judgments

§ Handling all the paperwork and processing that accompanies a short sale

§ Facilitating the closing with all parties and assuring a smooth, effortless transaction

Our clients experience these benefits:

§ Avoid the credit score damage that comes with foreclosure and experience a faster financial recovery

§ Avoid the foreclosure process entirely and postpone the sheriff’s sale

§ Maintain residence at the property even when default on the mortgage has occurred

§ Know that your short sale is being handled by a professional with years of experience

If you or someone you know is facing any of the issues mentioned above and needs help or more information regarding the short sale process, please contact our office at 1.321.212.8585 or email us at: silverpalmproperties@gmail.com.

We are here to help!

Silver Properties offers services to the communities of Aquarina, Cocoa village, Cocoa Beach, Melbourne, Lansing Island, Melbourne Beach, Merritt Island, Titusville, Cape Canaveral, Viera, Rockledge, Grant-Valkaria, Palm Bay, Suntree, Baytree, Satellite Beach, Indialantic, Indian Harbor Beach and beyond. We work with all the national and local lenders to get a reduced payoff for you on any property that is ‘underwater’!