nathantutas's posterous

Your friendly Davenport, FL Realtor®. Specializing in short term rentals and vacation homes in the Davenport area. Call me: 407-870-3581

Can You Sell Real Estate In Shorts And Flip Flops?

Professionalism in real estateHow do you define professional? Is it what title you have behind your name? Is it what company you work for? Is it how your email address comes across? Is it what you drive? How about what you wear? Or is it a combination of those things?

If you answered yes to any of those questions, I hate to tell you this, but you're wrong. Big time, dead wrong! Professionalism is an action. It's a way of doing business and doing it properly. It's about doing the things that will create lasting success in any walk of life.

No matter how well you are dressed, if you don't answer your emails in a timely manner, the client will not think of you as a professional. If you don't return phone calls for days on end...your beautiful BMW won't mean anything to the potential clients you lost. Like I said, professionalism is in how you act.

Do you treat your clients respectfully and show up on time to appointments. I'm sure you think your time is money. Well guess what, your clients think their time is money. Be on time.

I'd bet a million dollars I could sell real estate in shorts and flip flops. I don't, but I could. Although I have the added bonus of being in Central Florida, so I wouldn't exactly look out of place. But you get my point. I can show up driving and wearing anything I want and still do my job well.

I will have answered their call or email, I'll show up on time, I'll be prepared, I'll be well educated about the issues that might come up during our meeting, and I'll be sincere when I give them the best advice I can. That is professionalism and that is the standard you should be measuring yourself against. Another one of Nate's bright ideas.....

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Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

Short Sale ShortFalls; Slow Response To Document Requests

Short Sales; The Lender Is Holding All The CardsSelling a Davenport, FL short sale takes time and patience from everyone involved, from the seller all the way to the buyer and everyone in between. Lenders work at their own pace and almost nothing you do will hurry them up. This is a frustrating reality for home sellers who are stuck with a home that is worth half of what it was worth 5 years ago when their mortgage payment is half what it used to be.

A short sale is a good option that will hopefully help you settle your debt with your lender, but it won't be easy. The "big banks", so to speak, are holding all of the cards and they know it. But there are some things you can do to make it easier on yourself and your agent.

One such thing is having a timely response to document requests from the lender. When a short sale package is delivered to to a lender it is not a one time thing that can just be forgotten. The whole process could take a few months. During that time they will require updated hardship letters, tax returns, financial statements, bank statements, pay stubs etc. As the seller you should have these things on hand so that they can be easily found and forwarded.

It's very likely that your lender will require frequent updates from you through your real estate agent. If they don't receive the requested documents they may, and sometimes do, close the short sale file and make you start all over. Nobody wants that so have that stuff handy and be ready when your agents asks for it.

Here are some more helpful ideas that will hopefully help you through a short sale as well. If you need help with your Davenport, FL short sale please call me, I'd love to help you. Good luck and happy selling.

A Short Sale Is Still Your Home Part 1

A Short Sale Is Still Your Home Part 2

A Short Sale Is Still Your Home Part 3

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

10 Houses To Show 5 Buyers, How's That For A Market Update!

Poinciana Market Info Talk about a market update you can sink your teeth into! About a week ago I was looking for homes to show to a few different buyers in Poinciana, FL. OK, five buyers to be exact. It was going to be a very busy week. They were all looking for pretty much the same type of home in pretty much the same price range. A nice 4 bedroom, 2 bathroom home in Poinciana. They were looking in the 60k-70k range. I know that might sound funny to someone who doesn't live in Poinciana, but that's what a nice newish home costs here right now. Crazy huh?!

So the fact that they are all looking for the same thing should have made my job a little easier right? Not so, not so indeed. When I looked in the MLS there were only 10 properties that matched what they wanted in a home. All they were looking for was a 4/2 for 60k-70k and there were only 10 on the market at that point in time! Inventory has dried up quite a bit as compared to last summer.

If I'm working with 5 buyers in that range, and I'm sure there are some other Realtors working with some other buyers (I can't be working with all of them, can I), with 10 houses to choose from, someone is going to lose out. It's vital that buyers take the time to educate themselves about the market. It's also vital that they take the advice given to them by a professional Realtor who works in this market and this business every day. I personally always do a quick market analysis on any home a buyer decides to make an offer on. It's quite easy to tell what a seller is likely to accept in an offer. It's all in the data.

If you offer less than the amount I recommend and the seller doesn't accept it, I won't be surprised and you shouldn't be either. If I'm the listing agent and I get 6 offers on a property and yours happens to be the lowest, my thinking is "you should have presented a more competitive offer, I'm sure your Realtor already told you that". If all the comparable properties sold for 67k-70k, your offer of 61k just isn't going to cut it. You're wasting your time.

So let's step it up and get things moving. Let's make some good reasonable offers!

Image courtesy of foto.bulle at Flickr

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

Davenport, FL Short Sale Expert? How Do You Know?

Davenport, FL Short Sale ExpertDavenport, FL Short Sale Expert...How do you know if your agent is a Davenport, FL Short Sale Expert? That is a very good question. And I'm going to try to answer it for you. Try this:

1. Ask him. That's right, just cut to the chase and ask him whether he's a short sale expert. If his next sentence starts with uh, umm, well..., or any other stalling tactic you'll know right off the bat. If he's an expert he'll have enough confidence in his abilities to tell you yes and why.

2. If you're too shy for that approach (I'm not, but you might be) then ask him anyway. It's your house that you're trying to sell and this is serious business. If you plan to hire a Davenport, FL agent to help you through the difficult process of short selling your home then you need to make sure he knows what's what. If he's offended by your question then he probably has a reason for taking offense. It's an honest open question; he should be able to answer it.

3. Is he a member of Short Sale Superstars? Check this website out! There is a page set up for every lender with helpful information about working with each. Short sale agents go to this site for expert advice. Is your agent registered as a member?

4. Check his references. Ask if you can get in touch with some of his past clients. I have most of my past clients on speed dial and get along great with almost all of them. I have no problem with putting you in contact with my past clients. Ask them all the questions you want and then some. The more you ask and the more you know the better. A well informed seller is a successful seller.

5. Google him. Go ahead and click that link, I promise it's really cool. Type his name into Google and see what comes up. There ought to be something there if he's an expert right? A blog, a website, testimonials, something. Read through his stuff and see if you get the nice warm and fuzzy feeling. If he knows his stuff it will show.

6. Check his answers. You can find a lot of information about short sales and almost all of it is free. Do the majority of short sale agents agree with his assessment of things? Do his answers line up well with the information you find?

Do your homework; it will be worth it. Selling your home is a complicated endeavor, but selling it as a short sale can be downright painful. Especially if you aren't working with the right agent.

Davenport, FL Short Sale Expert....I'm here if you need me. Happy selling!

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

Should You Offer On A Strategic Short Sale?

Strategic Short Sales My father, Bryant Tutas, wrote an article a few days ago about strategic short sales. In it he covered some of the reasons why a seller may or may not want to do a strategic short sale and how to tell whether it might be a good option for you. If you haven't read it already I encourage you to have a look through the article and the comments. They are very enlightening. It can be found here: Play Strategically. Don't Let Your Mortgage Place You In Checkmate!

I am going to come at this from a buyers agent's perspective. Some of the comments in the article brought up the point that if someone is doing a strategic short sale there is a risk that the seller's lender won't approve the short sale and there is still a buyer on the other side of the transaction. The buyer is stuck waiting on the seller's lender to give approval and as such, it would be unconscionable for an agent to put that buyer in a position where they might wait all that time only to have the lender reject the short sale.

I agree. It would certainly not be fair to the buyer in this situation. However, if that buyer's agent knows a thing or two about short sales, and how to represent a buyer properly in this market, then he should have already asked those questions of the listing agent long before an offer was written up. Every seller's circumstances are different and your agent should know that and act on that. Before I even think about writing up an offer on a short sale the first thing I do is call the listing agent to get the story on the short sale and see whether the risk versus reward will work for my buyer.

If it's an investor who is buying a few homes while the market is good then maybe he doesn't mind waiting and taking the risk that a lender will reject the sale. You get the idea. When you are buying a home you need to ask your agent the tough questions and make sure he has answers. Make sure he does his homework and gives it to you straight. The listing agent is looking out for the seller's interests so you need a good agent to look out for yours!

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

A Short Sale Is Still Your Home Part 3

Short Sale AdviceThis is the third installment in a series of blogs meant to help sellers in Davenport avoid the pitfalls that may get in the way of getting their short sale sold. In this installment we are going to talk about making sure buyers can get a foot in the door. See what I did with the picture there?

Buyers want to look around the house. They want to nitpick. They want to talk about all the things they like and don't like about the house. They can't do any of that if they can't get into the house to see it. I can't count the times that I have called and called to try to show a buyer a home and the owners just won't let it be shown. Those are the properties that stay on the market for months and months.

If your home is priced right it ought to be under contract by the time 2 months has passed. If not, something needs to change. You might need to make the house more available. If you are getting showings, and the home is show ready and well maintained, the home should sell. It's not an exact science of course, but you should do everything you can to ensure buyers are getting in the door and the house is show ready.

The best case scenario is to go and take a 10 minute walk while their Realtor shows them the house. This ensures that they can talk openly about the house without the fear of possibly insulting the seller. And that's good for you, the seller.

Image courtesy of Rennette Stowe at Flickr

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
******************************************************************
Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

A Short Sale Is Still Your Home Part 2

Maintain Your Short SaleIf you read my last blog post about short sales and Home Owner's Associations, then you know I'm writing about things that will stop you short when trying to sell your Davenport Short Sale. There are any number of things that will kill the deal and should be avoided. Today we'll discuss property maintenance and cleanliness.

This is where I need you to help me help you. At a bare minimum, a home should be clean and fresh when it is being shown. The first sense buyers respond to when they walk into a home is smell. If there is cigarette smoke...they'll know. If there are pet stains everywhere...they'll know it. If the house has mold because it's been vacant with no air conditioning...they'll know it. They are a savvy bunch for the most part and want a good deal on a good home.

Some sellers turn the utilities off when they decide to short sale their home. I think that's a mistake. It is a small charge every month to keep the a/c running on 85 and have the water on so the pool stays blue. Keep in mind that whatever amount the sale is short against your mortgage balance is what you will be taxed on (in full disclosure; I'm not a tax accountant so don't take my word for it). The more you sell that home for the better it will be for you in the long run. It might cost you a little bit of money now, but the dividends it will pay later are worth it in my humble opinion.

Most of the short sales I see sitting on the market for 6 months to a year are overpriced. And the rest are not show ready when buyers walk in. This is just one of many ways you can help yourself help me to help you sell your short sale. Stay tuned for more...

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
******************************************************************
Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

A Short Sale Is Still Your Home Part 1

Short Sale Advice I've been working with a few homes owners on short sales who have sort of abandoned their homes and forgotten about them while trying to sell them. This has made the task of selling these particular homes a little tough. So I thought I'd put together a small list of things that can derail a short sale in it's tracks. This is part 1.

There are a few things that will, without a doubt, cause you some heart ache when selling your home as a short sale and could lead to you not selling it at all. One of those things is not paying the Home Owner's Association. This is something that most lenders will not pay. A Home Owner's Association can be a real snag when you're selling your house. Especially as a short sale. That association has to be paid by someone or they could put a lien on a property. That someone likely won't be your lender. We call this a deal killer.

So for your own benefit, keep paying those dues until closing so you don't end up having a problem with them. If you take the Vista Park Resort in Davenport, FL for instance. Their HOA fee is $602 per month. They provide a wealth of services in this community for the money, but that is still one hefty payment. At over $7,000 per year, that bill will add up very quickly if not paid. If you stop paying HOA fees while waiting on lender approval for a short sale a nasty surprise could be in store. The best advice is to keep treating your home like it's your home while trying to sell it. Good luck and happy selling!

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
******************************************************************
Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

Short Sale Flipping In Poinciana...Is It Ethical?

Short sale flipping in Poinciana...is it ethical? Sometimes I wonder how far out of touch NAR is with the reality of selling real estate in this market. I read in one of their email newsletters a couple weeks ago that they think flipping a short sale is unethical. What they referred to was a cosmetic flip. Where you buy the home, paint, put new carpet in, and sell it for a profit.

With over half of all properties in Poinciana being sold as short sales, I think this is a service that this community needs. Short sales sell for about 10%-15% less than regular sales in this area. The fact that it's a short sale makes it worth less. This is because buyers don't want to wait on the short sale process. A property is worth exactly what a buyer is willing to pay for it. Short Sale Flipping In PoincianaPlain and simple.

If the lenders...I'm talking to you Bank Of America, Chase, Wells Fargo...want more for the house, then streamline the process so that buyers don't have to put up with sooo much crap when trying to buy a short sale. Having a buyer on the hook for 4 months waiting on short sale approval is unethical. Ok, maybe not, but it does suck and makes the property worth less.

I see nothing wrong with a pioneering investor buying short sales and waiting out the process. Then fixing the home up all nice and pretty and turning around and selling it. I have shown houses for some of these investors in Poinciana and they have done some great things with these homes. They aren't out trying to make millions either. They are making $2k-$3k for their trouble.

Lets put that in perspective. An investor gets under contract on a short sale, waits 2-6 months for the lender to approve it, and sinks $6k-$10k into the property to bring it up to snuff. NAR thinks them making a profit of $3k for their trouble is unethical?! I don't think so! When I'm out showing properties, I thank goodness some of these flips are around. They are move in ready, well manicured, and make great investments for other investors who don't want to go through the trouble of buying a short sale or home buyers who want a nice place to move into after closing.

Not to mention the fact that they sell for a higher price which brings other property values up. In turn raising the value of the comparables a Responsible BPO Agent uses when pricing the lender's next short sale. I say flip on flippers. A flip can't flop if it's bought with cash!!!

Image courtesy of John Picken at Flickr

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Copyright © 2011 http://www.cflinvestmenthomes.com All Rights Reserved

Mortgage Assistance Relief Services Disclosure

Tutas Towne Realty, Inc is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.
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Tutas Towne Realty, Inc handles Florida real estate sales, Florida short sales, Florida strategic short sales, Florida pre-foreclosure sales, Florida foreclosures in Kissimmee Florida Short Sales, Davenport Florida Short Sales, Haines City Florida Short Sales, Poinciana Florida Short Sales, Solivita Florida Short Sales, Orlando Florida Short Sales, Celebration Florida Short Sales, Winderemere Florida Short Sales. Serving all of Polk, Osceola and Orange Counties Florida. Florida Short Sale Broker. Short Sale Florida.

Does Vlogging Really Have To Be About Business? No Way! That's Boring

Does video blogging have to be all about business all the time. I don't think so. Some of the most read and successful bloggers out there are the ones who share not just their business, but their lives in their blogs. People want to know whether you are someone they can relate to. Take this video for instance...

This video tells you a few different things about me. It has absolutely nothing to do with real estate, but it does show the world that I'm a family man first and I'm a real person. And of course I look really cute! At first glance you may not think a video like this adds anything to your blog, but au contraire, that's where you would be wrong. This video absolutely adds a human element to my blog that others can relate to.

It's pretty obvious I'm not some fast talking swindler, I'm just a regular guy who likes spending time with his great kids. If someone can't relate to that, I probably don't want to work with them anyway. So the benefits of this type of post are actually two fold. It shows prospective clients that I'm a regular guy with a family, and it screens out the type of people that I may not get along very well with. That sounds like a win, win situation to me. What do you think?

 

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Nathan Tutas

 

 

 

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