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Tag Archives: carrollwood businesses
Real Estate: Short Sale
Homeowners are often unsure of what options are available when they reach financial hardship. A short sale is an agreement by a mortgage lender to sell property for an amount lower than the balance owed in order to relieve the buyer of the mortgage obligation.
A short sale can be a helpful tool when trying to avoid foreclosure. Depending on the negotiated amount of the sale and the timeliness of past mortgage payments, a short sale may help avoid the huge hit to your credit score that foreclosure causes. Additionally, short sale participants can later purchase a home in a shorter time than those who foreclose on their property.
A short sale can be completed by finding a buyer to purchase the home who is willing to pay current market value, and having the mortgage provider agree to the sale. Any shortage after the sale will then either be written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.
The short sale process can be complicated, and the lender may not be willing to negotiate. It is important to know that a real estate attorney can help negotiate the sale and terms with the mortgage lender and provide you peace of mind that your sale is being handled by an accountable professional.
If you have legal questions regarding your short sale or you are considering your options, call Blick Law Firm today at (813) 931-0840 to schedule a free 15-minute consultation with attorney Michael Blickensderfer.
Posted in Blog, Real Estate
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Tagged abogados en tampa, abogados real estate, blick law firm, buy a home, buying a home after bankruptcy, buying a home in foreclosure, carrollwood attorney, carrollwood businesses, carrollwood real estate, cheap houses for sale, christian attorney, christian law firm, christian lawyer, foreclosure auction, foreclosure auctions, foreclosure short sale, foreclosure vs short sale, foreclosures and short sales, michael c blickensderfer, real estate law, short sale attorney, short sale home, steps to buying a home, tampa law firm, tampa real estate attorney
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Foreclosure Defense Tampa
Foreclosure is the process by which a lender attempts to recover the unpaid balance of a loan after the borrower discontinues payments. Foreclosure allows the lender to force a sale of the home in order to satisfy the remaining balance of the loan.
In Florida, if you have received a foreclosure summons complaint, you have 20 days to answer in order to avoid a default judgment being issued against you. Once your home is threatened by foreclosure, it is important to seek legal advice and explore what options may be available.
It is important to seek legal advice from an experienced foreclosure attorney prior to filing an appropriate answer to a foreclosure summons. The answer to a foreclosure summons can be the difference between quickly losing your home to a default judgment or maintaining and keeping your home for an extended period.
If your property becomes subject to foreclosure, here are some potential remedies to discuss with an experienced attorney:
- Reinstatement – To avoid the completion of the foreclosure process, you may be able to reinstate the loan by making payments on the past due amount. Generally, the lender will be cooperative if you bring your account up to date, or demonstrate that you now have the means to catch up on the past due payments.
- Mortgage Modification – The lender may be willing to modify the terms of the mortgage. Modification of the agreement may involve adding payments to the end of the mortgage and simply extend the term of the loan. Modification of the mortgage agreement may also be made by reducing the interest rate of the original Mortgage Agreement, and it could include partial forgiveness of the amount of money you owe.
- Forbearance Plan – As a borrower you may be able to file a forbearance plan with your mortgage provider. Under this arrangement, the lender will agree not to pursue the foreclosure action; but, the lender will likely require proof of adequate means to satisfy the repayment on the loan. This is generally a viable option if you have encountered a temporary setback such as poor health or loss of employment.
- Deed in Lieu of Foreclosure – You may also deed the home back to the mortgage provider if the lender agrees to accept a Deed in Lieu of Foreclosure. The lender will take back the property and cancel the remaining debt. You will be unable to keep your home, but avoid foreclosure and minimize the detriment to your credit score.
- Short Sale – To avoid foreclosure, you may also be able to sell your home for less money than the amount owed. A short sale can be completed by finding a buyer willing to pay current market value to purchase the home and have the mortgage provider agree to the sale. Any shortage after the sale will then either is written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.
Foreclosure continues to be a growing problem in Florida, and if it happens to you, the worst thing to do is ignore it.
If you or a loved one are being threatened by Foreclosure or have legal questions regarding any potential legal remedies, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer to see what your legal rights are in defending a foreclosure action.
Posted in Blog, Foreclosure Defense, Real Estate
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Tagged abogados en tampa, abogados real estate, blick law firm, buy a home, buy foreclosed homes, buying a home after bankruptcy, buying a home in foreclosure, buying foreclosed homes, carrollwood attorney, carrollwood businesses, carrollwood real estate, cheap houses for sale, christian attorney, christian law firm, christian lawyer, deed in lieu, foreclosed home, foreclosed homes, foreclosed homes for sale, foreclosed homes in, foreclosed houses, foreclosure auction, foreclosure homes, foreclosures, homes foreclosure, homes in foreclosure, michael c blickensderfer, real estate law, reo properties, tampa law firm, tampa real estate attorney
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Mayor Buckhorn Proclaims Monday ‘Ride to Work Day’
Monday, June 18, is not just any ordinary Monday.
Tampa Mayor Bob Buckhorn has proclaimed June 18 “Ride to Work Day.” Many local businesses, such as Blick Law Firm in Carrollwood, will be participating.
In recognition of the 21st Annual National “Ride to Work Day,” the law firm at 4351 Gunn Highway is hosting an open house on Monday, June 18 from 11 a.m. until 6 p.m., and will be offering refreshments, free driver’s license checks and opportunities to win door prizes to all licensed motorists.
“At Blick Law Firm’s open house, we are not only promoting this day with the City of Tampa, but we are educating safety to all those who come by,” said Becky Speer, marketing assistant at Blick Law Firm.
There are many benefits to riding to work on two wheels, such as:
- Commuting to work by a bicycle, scooter or motorcycle provides an effective way of reducing the rising cost of gasoline while lessening the many harmful effects on the environment.
- It also cuts a fraction of the parking spaces needed by larger passenger vehicles, thereby reducing parking congestion in the active Tampa Bay community. As prices of fossil fuels continue to grow, the overall supply of these fuels is diminishing. With efforts such as “Ride to Work” Day we are taking a small step towards a bigger cause in support of the use of alternative means of transportation, in turn benefiting the Tampa Bay community in more ways than one.
For more information regarding National “Ride to Work” Day and Blick Law Firm’s open house, please contact Blick Law Firm at 813-931-0840 or e-mail Dana Blickensderfer at dana@blicklawfirm.com.
Posted in Blick Buzz
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Tagged blick law firm, carrollwood businesses, Mayor Bob Buckhorn, Ride to Work Day
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Tampa Short Sales
Homeowners are often unsure of what options are available when they reach financial hardship. A short sale is an agreement by a mortgage lender to sell property for an amount lower than the balance owed in order to relieve the buyer of the mortgage obligation.
A short sale can be a helpful tool when trying to avoid foreclosure. Depending on the negotiated amount of the sale and the timeliness of past mortgage payments, a short sale may help avoid the huge hit to your credit score that foreclosure causes. Additionally, short sale participants can later purchase a home in a shorter time than those who foreclose on their property.
From an economic perspective, Short sales are simply a more beneficial option than Foreclosure. Lenders have less to lose, homeowners incur less damage to their credit, and the surrounding community is less likely to be affected by the decline in value that follows abandoned properties forced into foreclosure at greatly diminished costs.
A short sale can be completed by finding a buyer to purchase the home who is willing to pay current market value, and having the mortgage provider agree to the sale. Any shortage after the sale will then either be written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.
The short sale process can be complicated, and the lender may not be willing to negotiate. It is important to know that a real estate attorney can help negotiate the sale and terms with the mortgage lender and provide you peace of mind that your sale is being handled by an accountable professional.
If you have legal questions regarding your short sale or you are considering your options, call Blick Law Firm today at (813) 931-0840 to schedule a free 15-minute consultation with attorney Michael Blickensderfer.
Posted in Blog, Real Estate
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Tagged abogados en tampa, abogados real estate, blick law firm, buy a home, buying a home after bankruptcy, buying a home in foreclosure, carrollwood attorney, carrollwood businesses, carrollwood real estate, cheap houses for sale, christian attorney, christian law firm, christian lawyer, foreclosure auction, foreclosure auctions, foreclosure short sale, foreclosure vs short sale, foreclosures and short sales, michael c blickensderfer, real estate law, short sale attorney, short sale home, steps to buying a home, tampa law firm, tampa real estate attorney
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Short Sale Process Tampa
Homeowners are often unsure of what options are available when they reach financial hardship. A short sale is an agreement by a mortgage lender to sell property for an amount lower than the balance owed in order to relieve the buyer of the mortgage obligation.
A short sale can be a helpful tool when trying to avoid foreclosure. Depending on the negotiated amount of the sale and the timeliness of past mortgage payments, a short sale may help avoid the huge hit to your credit score that foreclosure causes. Additionally, short sale participants can later purchase a home in a shorter time than those who foreclose on their property.
A short sale can be completed by finding a buyer to purchase the home who is willing to pay current market value, and having the mortgage provider agree to the sale. Any shortage after the sale will then either be written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.
Changes were recently made to help streamline the short sale process including:
- An expedited short sale approach for borrowers most in need.
- Lenders will now have the power to quickly and easily qualify certain borrowers who are current on their mortgages for short sales.
- Lenders will waive the right to pursue deficiency judgments in exchange for a financial contribution when a borrower has sufficient income or assets to make cash contributions or sign promissory notes.
The short sale process can be complicated, and the lender may not be willing to negotiate. It is important to know that a real estate attorney can help negotiate the sale and terms with the mortgage lender and provide you peace of mind that your short sale is being handled by an accountable professional.
If you have legal questions regarding your short sale or you are considering your options, call Blick Law Firm today at (813) 931-0840 to schedule a free 15-minute consultation with attorney Michael Blickensderfer.
Posted in Blog, Real Estate
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Tagged abogados en tampa, abogados real estate, blick law firm, buy a home, buying a home after bankruptcy, buying a home in foreclosure, carrollwood attorney, carrollwood businesses, carrollwood real estate, cheap houses for sale, christian attorney, christian law firm, christian lawyer, foreclosure auction, foreclosure auctions, foreclosure short sale, foreclosure vs short sale, foreclosures and short sales, michael c blickensderfer, real estate law, short sale attorney, short sale home, steps to buying a home, tampa law firm, tampa real estate attorney
|
Leave a comment
Short Sale Tampa
Homeowners are often unsure of what options are available when they reach financial hardship. A short sale is an agreement by a mortgage lender to sell property for an amount lower than the balance owed in order to relieve the buyer of the mortgage obligation.
A short sale can be a helpful tool when trying to avoid foreclosure. Depending on the negotiated amount of the sale and the timeliness of past mortgage payments, a short sale may help avoid the huge hit to your credit score that foreclosure causes. Additionally, short sale participants can later purchase a home in a shorter time than those who foreclose on their property.
A short sale can be completed by finding a buyer to purchase the home who is willing to pay current market value, and having the mortgage provider agree to the sale. Any shortage after the sale will then either be written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.
The short sale process can be complicated, and the lender may not be willing to negotiate. It is important to know that a real estate attorney can help negotiate the sale and terms with the mortgage lender and provide you peace of mind that your sale is being handled by an accountable professional.
If you have legal questions regarding your short sale or you are considering your options, call Blick Law Firm today at (813) 931-0840 to schedule a free 15-minute consultation with attorney Michael Blickensderfer.
Posted in Blog, Real Estate
|
Tagged abogados en tampa, abogados real estate, blick law firm, buy a home, buying a home after bankruptcy, buying a home in foreclosure, carrollwood attorney, carrollwood businesses, carrollwood real estate, cheap houses for sale, christian attorney, christian law firm, christian lawyer, foreclosure auction, foreclosure auctions, foreclosure short sale, foreclosure vs short sale, foreclosures and short sales, michael c blickensderfer, real estate law, short sale attorney, short sale home, steps to buying a home, tampa law firm, tampa real estate attorney
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