Advice for buyers and sellers, from Justin Ruzicka

bank of america

What Stops Me from Budgeting

Greenville Realtor is successful_houseguy.org

Budgeting is often thought of as a bad word. I know it my household it rarely gets used. But why is it that we all tend not to do Monthly Budgets. Fear: We are afraid of the truth…that this pay check to pay check lifestyle is actually not sustainable.   (But I have been doing it […]

Current Mortgage Rates

Current Mortgage Rates

Knowing the current mortgage rates will help you be able to estimate properly your monthly expenses for owning a particular home as well as helping you know that amount of money you will need to bring to the table at closing. Also helps you negotiate your interest rate down with the mortgage broker you are working with.

Successful Bank of America Short Sale

Successful Bank of America Short Sale

Justin Ruzicka receives 5 out of 5 stars in customer satisfaction, local knowledge, short sale expertise, and negotiation skills on his most recent short sale closed in Florida. Are you considering a short sale? Do you need a trustworthy realtor who has worked with dozens of lenders on short sales to help you? Contact Justin Ruzicka today to have him help you on a short sale for your home. And remember his service is FREE TO YOU, he earns a real estate commission that the lender pays. Also the lender pays all closing costs, and back taxes, so a short sale is really good way to go. It helps avoid bankruptcy.

Bank of America Short Sale – Wa...

Bank of America Short Sale – Waiver of Deficiency Balance

You need to read this if you are worried about Short Sales. Do you know the advantages of a short sale vs. foreclosure? Justin Ruzicka is a Short Sale Specialist with hundreds of short sales completed, and dozens of happy families. Read more about how this family got $$ from the bank at the end of the short sale process.

Investor’s Caused the Real Esta...

Investor’s Caused the Real Estate Bubble

Courtesy of the Floridarealtors.org and an article from The Associated Press. LAS VEGAS – Dec. 13, 2011 – A new federal report shows that speculative real estate investors played a larger role than originally thought in driving the housing bubble that led to record foreclosures and sent economies plummeting in Nevada, California, Arizona, Florida and other […]

Happy Holiday’s from Fannie Mae

Happy Holiday’s from Fannie Mae

Well Christmas will come early for those facing foreclosure form the nations largest mortgage holder, Fannie Mae… Courtesy of CNNMoney.com NEW YORK (CNNMoney) — Happy holidays struggling homeowners! Fannie Mae, Freddie Mac and several large mortgage lenders have pledged not to foreclose on delinquent borrowers during the Christmas season. For homeowners with loans through Fannie […]

Banks and Short Sales

Banks and Short Sales

Lee County Foreclosure filings are climbing again.  For weeks we have seen lenders shy away from the foreclosure filings because of programs the government put into place in hopes to save MILLIONS of home owners, at last count there were less than 500,000 homeowners “helped.”  If you define HELP as a Permanent change/reduction in mortgage […]

Retirement accounts are safe from Cre...

Retirement accounts are safe from Creditors in a Short Sale

This is a brief from an post on CNN Money Blog about short sales. A short sale is the preferable route to unload a house that has become a financial burden you can no longer handle. The bank agrees to let you sell your home for less than what’s owed on the mortgage and absolves […]

FHA Fist look Initiative

FHA Fist look Initiative

What are the benefits and who does this help?  If I am a buyer how do I take advantage of this?  Today I am going to discuss this program that is 12 months into its inception.  In July of 2010 FHA created the First Look Program, to help stabilize communities with many FHA owned foreclosures […]

I am a certified “short sale expert” ...

I am a certified “short sale expert” so it must be TRUE…

I was on the phone the other day speaking to a Realtor who was so proud of herself, and her Short Sale Certification she had just spent over $600 to take a 2-day course and become an expert in Short Sales. What; you mean all the time, energy and pitfalls that we have gone through […]