Posted in florida, homes, loss mitigation, moving, pre-foreclosure, real estate, realtor, relocation, selling, short sales

Another day in paradise: Selling

If you need to do a Short Sale there are some basic steps. First, contact your lender and get the address/Fax number of the Short Sale or Workout or Loss Mitigation Department. Be ready to send in your documentation which will include: a hardship letter – why you have to sell; your last two pay stubs (for everyone on the mortgage); your last two month’s bank statements, your last two Tax Returns; a worksheet showing your monthly income and expenditures and finally a letter authorizing the Lender to speak to your Realtor.

With all that done, have your Realtor do a pricing analysis and follow your Realtor’s recommendations and list the property. Your lender will NOT do anything on a short sale until your Realtor can submit an offer to purchase the property. Most lenders have developed a process for handling short sales and they have a set of steps and a timeline for evaluating the offer which includes sending out their own agent to do a BPO (Broker’s Price Opinion). It is important that your own Realtor know how to do a BPO because that is the same process they should use in pricing your home originally. Your Realtor should be able to defend the pricing with the Lender’s short sale specialist. For more help and information about short sales you can write to or call 813.996.2441. We are short sale specialists.



Introducing Sheena and Bob Murray, Realtors Experts in domestic and international relocation and investment Sheena is from the Scottish Highlands, educated in Wales and lived in Surrey and Sussex in the South of England. Coming to the US for a one-year visit, she met Bob and has extended her stay by some 30 years. Married in England, Sheena and Bob settled in Minneapolis, Minnesota. Since then they have lived in Boston, Geneva, Switzerland, Amsterdam, The Netherlands, Houston and, finally Tampa. Sheena and Bob have two children, Ian and Fiona. Married, Ian lives in Seattle, Washington with his wife Gulay. Ian is a rocket-scientist working for Blue Origin. Fiona is married to Danforth Johnson and lives in Iowa City, Iowa with their two sons Roan and Tristan. Fiona is an Emergency Medical Technician (EMT) and Paramedic. While in Boston, Sheena was in Real Estate and General Contracting. Buying older homes, she renovated and sold them with several properties in varying states of re-construction at any one time. Consequently, Sheena has a keen eye for Real Estate value and potential as well as detailed experience in how to improve and/or evaluate properties structurally and cosmetically. Sheena sees all the possibilities and can make specific interior and exterior recommendations - from essential to aesthetic including landscape gardening. Sheena is an Accredited Staging Professional (ASP). Having moved to Tampa in 1998, Sheena has continued her career in Real Estate. In 2000, Bob joined her bringing his experience in sales, marketing and communications gained from his career as a senior executive in international sales and marketing for DEC, AT&T and Compaq. Having made more than a dozen moves domestically and internationally, Sheena and Bob are personally and professionally knowledgeable about the entire relocation process – from first meeting to moving day. Sheena speaks French and Dutch. Sheena holds the prestigious Certified International Property Specialist (CIPS) designation and joins a worldwide network of global real estate practitioners with certified expertise working with international clients and is an accredited member of ERA’s International Collection of Fine Homes. Before joining ERA Dennis Realty & Investment Corporation Sheena and Bob were awarded the Prudential’s Chairman’s Circle Gold Award placing them in the top 3% of all Prudential Realtors in the world. They were named ERA Dennis’ Top Team for 2007 and 2008. Bob has recently completed several detailed courses on foreclosures and short sales and is an accredited short sale specialist. Sheena has completed the USAA Movers Advantage Training Program as she continues to increase her relocation services capability. Whether it’s Buying or Selling, Resale or New Construction, with their knowledge of the Tampa Bay area and superior customer service, Sheena and Bob will help you meet your real estate goals efficiently, painlessly and with a happy spirit.

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