About Walton County, FL

Today's headline on MSN.COM Nearly 1 in 6 homeowners 'under water'

This really sounds like an alarming statistic. One in Six homeowners are upside down. 2 Trillion dollars have been lost in the stock market fiasco.

THE MEDIA LOVES TO PRINT THE HORRIBLE NEWS, they continue to spew negative news and I for one am quite sick of it. I know things are not good right now, but not everything is horrible.

Lets look at this, one in six homeowners is upside down. That sounds bad.... If they need to sell NOW, they are in trouble. Not every homeowner NEEDS to sell NOW, they still live in their homes and hopefully they are making their mortgage payment. They pay, they stay. They have a roof over their heads and they are upside down on paper. If they don't need to sell, they stay put and they continue to live there and IT DOES NOT MATTER AT THIS POINT THAT THEY ARE UPSIDE DOWN. This statistic really does not mean anything...... The real statistic is How many homeowners who have no choice but to sell are upside down????

IF YOU DO NOT NEED TO SELL, hang in there. Your family has a roof over their head and they are warm and safe.

IF YOU DO NEED TO SELL, you owe it to your self to contact The Payne Group immediately. We may be able to help but if we can not help, we will not lead you on, if you want the truth, you want The Payne Group!!

Want to know if you are upside down on your mortgage? Check out our online home valuation

Wendy Rulnick is proud to announce that David Borden has joined her team at Rulnick Realty, in Destin Florida.

David Borden has an extensive real estate sales background in the Destin-Fort Walton Beach area on the Emerald Coast of Florida. He has been selling condominiums, homes, land, new construction and commercial properties for 28 years. Licensed in 1980, (David says since he was a baby) he sold real estate as a sales agent, worked in property management, and taught real estate sales contracts to new agents. In 2000 he became a licensed Real Estate Broker. He has won numerous sales awards year after year. Borden has a reputation with his clients and peers as being a professional, honest and knowledgeable Broker.

Rulnick Realty Broker/Owner, Wendy Rulnick says, "David Borden exemplifies professionalism in our field. His experience and vast knowledge assure his clients of a masterfully handled real estate transaction."

Office: 850-650-7883 X 206
Cell: 850-974-8588
Toll Free: 877-487-9639
E-mail: dborden@rulnickrealty.com

It's Wendy!

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search Destin Florida real estate

Short Sale Pre Foreclosure Help.

Specializing in real estate sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

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Realizing that we have a playgound for adventure right in our backyard and only steps from the back gate, a group has formed for kayaking fun on the St. Andrews Bay. A kayak rack was built in close proximity to the South Gate for easy access to the beach. The water is shallow and sandy which helps in launching the boats.

We have several participants who kayak for premium fishing spots and the rest for recreation. Our group includes young and old, and even a dog.

A shrimp boil is in the works as a kick-off for our paddling friends along with a sunset and full moon cruise.

Residents interested in joining the group or anyone else who would like to paddle with us may call the Association Office 215-5252 for Melinda's number to get information.

"Hold-harmless clause (Inspector/Realtor)"

John M. Acaron, CHI, CMI

(850-814-3889)

To be a Professional Home Inspector you must be well-trained, and training should be an ongoing process. Education, experience and expertise are the key elements to determine if a Professional Home Inspector can perform an accurate and un-bias home inspection. Additionally, the job requires integrity, honesty, and determination and adherent to the standard of practice and ethical codes dictated by his or her professional trade association.

Home inspectors are only one of many professional individuals involved in a real estate transaction. A real estate transaction involves a series of professional individuals with a unique specialty to close a real estate transaction deal. Such as: Home Inspector, Appraisal, Surveyor, Termite Inspector, Lending Officers, Title Closing Officer and of course the Professional Realtor. However, when something goes wrong in the real estate transaction all parties involved may be liable. For that specific reason all parties involved should protect themselves and their colleagues and affiliates in the transaction with Hold-Harmless Clause (in documentation) when engaging in a real estate transaction.

As a normal practice, a Professional Home Inspector can have a client agreeing not to hold a real estate agent responsible for anything related to the home inspection using a Hold-Harmless Clause. Many Professional Realtors are worried about negligent referral claims. If a professional real estate agent refers a home inspector to his client, make sure that the professional home inspector has the Hold-Harmless Clause protecting your interest. Furthermore, it goes both ways, the Professional Realtor must also include a Hold-Harmless Clause protecting the Professional Home Inspector as well. Bottom line: In order to ease the worries you must make sure that the home inspector have a Hold-Harmless Clause in his home inspection contract agreement as well as you (Realtor).

Here is a sample ("Hold-Harmless Clause") for your information:

CLIENT agrees to hold any and all real estate agents involved in the purchase of the property to be inspected harmless and keep them exonerated from all loss, damage, liability, or expense occasioned or claimed by reasons of acts or neglects of the INSPECTOR or his employees or visitors or of independent contractors engaged or paid by INSPECTOR for the purpose of inspecting the subject home.

And Remember: A Professional Realtor should not be directing his client to a specific Professional Home Inspector, Real Estate appraisal firm, Surveyor, Termite Inspector, Mortgage company or Title company. Let the client make his own selection (choices). Providing data & information for the client's decision making process is the right thing to do. For more information related to this topic and other pertinent information visit: www.HOMEINSPECTORUSA.biz or www.PanamaCityHomeInspector.com

Need to sell your Panama City, Lynn Haven, or Panama City Beach home? The Payne Group at Keller Williams Success Realty has the experience to make it happen. Our team is dedicated to customer service, honesty and integrity. Being in the top 10 out of 1200 Realtors in our local market proves that we know how to sell your home in a buyers market. We attend regular training and stay tuned to the local market trends and we know the numbers. An agent in a buyers market CAN NOT continue to do business like it is a 2004 and 2005 sellers market. The skill set to price and sell a home could not be more different in the two markets. WE KNOW HOW TO SELL YOUR HOME IN 2008 and going into 2009 and our record proves it.

Want to know what your home is worth, our Online Market Analysis is a great tool for you to find out the real value of your home or you can simply call me at 850-890-0132 to schedule an in house presentation.

Why list with THE PAYNE GROUP?????????? Click on the link and find out for yourself that we are your real estate team