Jacksonville Real Estate Agent

 

Move in ready condo on the 2nd floor, with balcony. Great location close to 9a. All the appliances stay including the washer and dryer! Both bedrooms have walk in closets and master bathroom features a garden tub. Amenity center features a pool, gym and more! At 59,000, the price requires lien holder approval.

That’s a feeling oh too common when you’re fighting a foreclosure. You get tired of the never ending phone calls, the stress eats away at your sanity. You can’t sleep, all you do is think about how your American dream has turned into a nightmare. Enough is enough you just want this to be done! You say: “Who cares if my credit will be ruined, I just want to feel peace again!”

Is that you? Is that how you feel? Hey, it’s normal to feel that way.

No this isn’t a session with Dr Phil! This is an attempt to help you to reach down inside and continue the fight! I know this isn’t as serious as fighting a disease but the stress and worry will make you sick! You ask, why should I continue to fight? Nothing is going my way. My house is on the market, I’m getting showings, I’ve gotten 3 contracts and the first two have fell through and the third, well it looks just as shaky. Enough!

Is walking away with your hands thrown up in defeat what ya really want?

Do you want to rent for the next five years, because if you let your house go into foreclosure, that’s the time the lenders have said they’ll loan to you again. Do you want someone else telling you what you can or can not do in or to your home for 5 years? That you can’t paint, you can’t take in that cute little stray kitten your kids brought home. Ya gotta make sure the carpets stay perfect, the walls don’t have marks and the list goes on! Or what’s worse is you get settled and you find out a few months into your lease, that the landlord hasn’t been making their payments and the house is going into foreclosure! You pay your rent on time but the owner doesn’t have the same courtesy with their mortgage for you. Let’s look at this…….

Freddie Mac and Fannie Mae are saying you can’t get a loan for 5 years if your home goes into foreclosure. 2 years they say if you do a short sale. Yes you have to rent for 2 years with the same dangers and nuisances as 5 years but 2 is much better than 5. Take those two years and pay your debt off, save money and build your credit. Learn from your mistakes.

There are times in  life that it was just plain hard and instead of giving up, you fought, you dug deeper!

You stayed with the fight and when it was over you felt like you accomplished something because you saw it through to the end! It felt good. And I bet there are times when you let go just a little too soon and later ya wished ya stayed with the fight because the results would have been better. But hey! You live and learn.

Now I’m not saying every house on the market as a short sale will sell, some don’t and the end result is a foreclosure. At the end of the day though, you can say I tried everything I could and I didn’t give up. No regret, again you just learn from your mistakes and move on.

You see, this is how I feel about my short sale listings. I don’t believe in giving up. I will fight in getting your home sold until it’s either sold, or until the unfortunate may happen and it’s foreclosed on. I will do everything I can do to try to prevent the latter.

If you’re in foreclosure and you don’t know what your options are, call me (904-910-3516) or email me at pam@pamgraham.com. Also check out my avoid foreclosure pages. Maybe you’ve had your home on the market with an agent who has given up but you haven’t yet, contact me and we’ll see if we can come up with a plan. I’m not going to say that I’m the ultimate short sale expert, short sales have just become the norm in the past year or two. Every lien holder is different they have their different policies or for some lack of policies. I’ve learned from the experts who have done short sales when no one knew what a short sale was. I have a system, I don’t give up and I treat all parties involved with respect. I leave my ego at the door and I work hard to get your house closed.

If you’re ready to fight or ready to continue to fight, let me know, I’ll fight with you!

Pam Graham

Vanguard Realty Inc

3168 HWY 17 S Orange Park, FL 32003

904-910-3516

Licensed Real Estate Agent in Florida

 

THIS HOME HAS BEEN RENTED.

FOR RENT!

 Spacious home ready to move in. Enjoy the cozy fireplace in the winter and come sit under the shade on the private patio. The eat in kitchen is perfect for the chef in the family. Need an office with book shelves? This house has you covered. New carpet in all 3 bedrooms, Pergo floors in office, tile in kitchen, family/dining room and hallway. Pets ok with non refundable pet fee. Only $950 a month, deposit $950.

Pam Graham

904-910-3516

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s Orange Park, FL 32003

Licensed Real Estate Agent in Florida

Over 1500 square feet, 3 bedroom/ 2 bathrooms. Laminate wood flooring in the large family room, tile in the kitchen and dining room. Long day at work? Come soak in the garden tub in the master bathroom. Summer is coming, time to take a dip in the above ground pool. Backyard is fully fenced. Conveniently located close to CR 220. Only $99,000. Short sale requiring lien holder approval.

Yep, you heard (read)me right-I do love to do short sales! Now, I wasn’t always on the short sale band wagon-they did intimidate me, but I started taking classes and gobbled up as much information that my little brain could handle. I still take classes and I still pick the brains of the experts in my office who were doing short sales when short sales were a foreign language.

Some agents in the Jacksonville Florida area, say they won’t show short sales, my question to them is how do you NOT show them, they’re EVERYWHERE! I realize in some parts of the country, short sales are not as common, but here they are in everyone’s backyard. Let me show you an example: As I’m writing this I checked the Northeast Florida Multiple listing service, there are currently 2,748 active (available) homes for sale in Jacksonville in the 100k-200k price range. Out of these 2,748 homes for sale in Jacksonville, there are 712 homes that are short sales (list price is lower than what they owe). YIKES! That’s about 26%.

Personally, I think it should be mandatory that we take a short sale class. Heck, we are required to take a 6 minute class on how to unlock a lockbox but not on how to do short sales in Jacksonville. Where’s the logic???

So what do you as the consumer do if you’re already working with an agent and that agent tells you-I don’t show short sales or I don’t do short sales? Walk, no I mean RUN as fast as you can! If they’re not willing to show them, they probably weren’t willing to take any classes to educate themselves on the process.

Sellers: Same thing! If the agent you’re talking to has no short sale experience or short sale education, is hesitating on taking your listing, find an agent who loves doing short sales. In fact, if you’re a buyer  looking to buy a short sale or a seller needing to sell their home as a short sale in Jacksonville, Orange Park, Fleming Island or surrounding areas in Northeast Florida, give me a call at 904-910-3516.

The short of it for me is knowing that at the end of the day I’ve worked hard to help ease the stress of a family going through a financial difficulty, that’s the real reason I love to do short sales.

Pam Graham

904-910-3516

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s Orange Park, FL 32003

Licensed Real Estate Agent in Florida