tag:blogger.com,1999:blog-372631072012-02-16T15:09:03.472-08:00manatee county real estate newsManatee and Sarasota County Real Estate News. Information and articles about the changing market. Posted by Joe Murphy Real Estate Associate with Coldwell Banker Residential Real Estate. www.manateemoves.comJoe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.comBlogger1181100tag:blogger.com,1999:blog-37263107.post-78202583977338059702012-02-02T07:41:00.001-08:002012-02-02T07:41:41.498-08:00New refinance program announced allowing underwater homeowners to refi<div class='posterous_autopost'><div>This month President Obama is announcing a new program to help homeowners who want to refinance their home loans to today's lower interest rates but have been unable to do so due to being underwater.<p /> <div>Right now in Manatee county almost half of the homes that have mortgages on them owe more than the current value. If you are underwater in your home <span style="background-color: yellow;">refinancing</span> to get to a lower payment is simply not possible as any lender would require that the home be appraised, and the loan could not be for more than the current appraised value.</div> <p /><div>The new loan refinance program will have a limited population that it will really help, but could be a boon for those who have a high interest rate loan, and are underwater. There are some catches to the program though.</div> <p /><div><ol><li>You have to be current in your payments for the last 6 months, and you can only have been late on one payment in the 6 months prior</li><li>The home loan amount has to meet what is considering conforming loan limits. In Sarasota and <span style="background-color: yellow;">Bradenton</span>, homes that have a loan amount below 416,000 would qualify. If you have a jumbo mortgage, then you are out of luck.</li> <li>how they intend to pay for the program that should cost 5 billion or more is to add a tax to to the major banks. This will be then passed onto everyone through higher fees. This is assuming that the program that gets through the congressional process that would need to approve this aid program.</li> </ol><div>Some really good points to the new program</div><p /><div><ol><li>If your home is underwater the program will allow up to 140% OVER the current market value to be appraised.</li><li>If you owe over 140% on your primary loan, then apparently there is a caveat that the lender would have to reduce your principle to this amount (140% of market value). In my opinion, most homeowners would probably rather sell their home, as a short sale, then to keep a home so far underwater.</li> <li>They are proposing a streamlined application process that my sources (wall street journal) state would only involve verifying employment. Typically on a loan application, or refinance there is a lot of paperwork to provide, including tax returns, bank statements, etc. An easy process to apply should really help</li> </ol><div>I think that this program is well intentioned, however it seems to me to a posturing effort that will allow President Obama to show that he is out to help distressed homeowners. If this Refinancing program is blocked by Congress, then this could be a talking point that he will use to show how he is on the side of the people, and Congressional Republicans are against homeowners.</div> </div><p /><div>The biggest issue with this program is that it does not address those homeowners that are late, or behind in their mortgage. I meet with many homeowners in Manatee and Sarasota county that are frustrated with their low home values, and feel trapped by the negative equity. Many have had issues keeping up with the mortgage payments, and even if they are late, once in the past year, this program doesn't help them whatsoever</div> <p /><div>A recent new short sale home seller in <span style="background-color: yellow;">Bradenton</span> summed it up best. He had bought in 2005, with an adjustable rate loan. It was a home that was within his budget, but do to the recession, he was unable to keep up with the payments. He had called his lender, Bank of America, to do a loan modification to lower his interest rates, but was drug through the process with no positive outcome. He fell behind in his mortgage payments, while waiting for the help that never came. </div> <p /><div>Bank of America suggested that he short sale his <span style="background-color: yellow;">Bradenton</span> home as an alternative to foreclosure. So now I am able to help him sell his family's home and avoid a foreclosure. He owes 400,000 on a home that was 550,000 in 2005. Now that home will sell for in the 250,000 range. </div> <p /><div>They are frustrated as they are going to have to move into a rental, and have damaged credit. Plus losing the 150,000 in down payment for the purchase. Meanwhile this short sale home will sell to a new homeowner who will get a much lower interest rate, and have a mortgage close to half of what he was paying.</div> <p /><div>It's hard not to get angry when you know the next owner of your home will be paying much less to purchase, and monthly payments that they could have easily afforded.</div><p /><div>My proposal, would be to have ALL homeowners mortgage payments reset to what the current market value is today. When the home sells in the future, the negative equity portion would be recaptured by the investor/lender. All homes will eventually sell, so there will be an eventual gain to the lender. This idea would keep many thousands of families in their homes, and help stabilize the market by eliminating all those that don't want to sell but are forced to give up their homes through a short sale or foreclosure.</div> <p /></div>Regards,</div> <div> </div> <div> </div> <div> </div> <div>JOSEPH MURPHY, P.A.<br /><a value="+19417803260" target="_blank">941-780-3260</a> cell/text<br /><a value="+19417399120" target="_blank">941-739-9120</a> fax<br /><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a><br /> <a href="http://manateemoves.com" target="_blank">manateemoves.com</a></div> <div><br />COLDWELL BANKER RESIDENTIAL RE<br />11215 SR 70 SUITE #105<br />Bradenton, FL 34202<br />E-mail: <a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/new-refinance-program-announced-allowing-unde">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7820258397733805970?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-5061915990218810822011-11-10T05:59:00.001-08:002011-11-10T05:59:08.995-08:00Your Friend thought you should see this from HouseLogic.com<div class='posterous_autopost'> <table align="center" style="background: #e7e5d8; color: #505050; font-family: arial, sans-serif;" width="100%"> <tr> <td align="center" valign="middle" style="padding: 7px 20px 5px; border-bottom: 1px solid #d9d8cb;"> <p style="margin: 0 auto; padding: 0; text-align: left;"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/images/image-replace/ir-brought-to-you.jpg" alt="Brought to you by the National Association of Realtors" /></p> </td> </tr> <tr> <td style="padding: 0px 0px;"> <table align="center" style="border: 20px solid #ffffff;" width="650"> <tr> <td valign="top" style="padding-bottom: 15px; border-bottom: 1px solid #ededed;" width="250px"> <a href="http://www.houselogic.com"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/images/logos/logo-houselogic.png" height="66" alt="Houselogic Logo" width="200" style="border: none;" /></a> </td> <td align="right" valign="top" style="color: #bbbbbb; font-size: 10px; border-bottom: 1px solid #ededed;" colspan="2"> <a href="http://www.houselogic.com/binder/" style="margin: 0 3px; color: #005682; text-decoration: none;">Your Binder</a> | <a href="http://www.houselogic.com/how-it-works/" style="margin: 0 3px; color: #005682; text-decoration: none;">How it Works</a> | <a href="http://www.houselogic.com/accounts/login/" style="margin: 0 3px; color: #005682; text-decoration: none;">Login</a> </td> </tr> <tr> <td valign="top" style="padding-top: 40px;" colspan="3"> <h1 style="margin: 0 0 10px; font-size: 18px;">Hi <a href="mailto:post@posterous.com">post@posterous.com</a></h1> <p style="margin: 0 0 10px; font-size: 18px; line-height: 1.2em; font-weight: bold;">joe murphy saw “Why Renters are the Next Mortgage Crisis | Home Ownership Matters,” on HouseLogic and thought you might be interested.</p> <p style="margin: 0 0 10px; font-size: 12px; line-height: 1.4em;"><a href="http://www.houselogic.com/blog/why-home-ownership-matters/renters-are-next-mortgage-crisis/"><img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/images/buttons/btn-email-read-now.png" height="24" alt="Read now" width="171" style="border: none;" /></a></p> <h2 style="margin: 30px 0 5px; font-size: 14px; color: #8dca23;">Message from sender:</h2> <p style="margin: 0px 0 30px; font-size: 14px; line-height: 1.4em;"></p> <p style="margin: 0px 0 30px; font-size: 14px; line-height: 1.4em;">Enjoy.</p> <p style="margin: 0px 0 45px; font-size: 14px; line-height: 1.4em;">From,<br />joe murphy</p> </td> </tr> <tr style="background: #f8f8f8;"> <td valign="top" style="padding: 20px;"> <ul style="padding: 0 0 0 10px; font-size: 11px; border-left: 1px solid #e2e2e2; margin: 0 0 15px;"> <li style="margin: 5px 0;"> <a href="http://www.houselogic.com/story/" class="user" style="color: #575757; text-decoration: none;"> The HouseLogic Story </a></li> <li style="margin: 5px 0;"> <a href="http://www.houselogic.com/tell-a-friend/" class="user" style="color: #575757; text-decoration: none;"> Tell a friend</a></li> <li style="margin: 5px 0;"> <a href="http://www.houselogic.com/contact/" class="last" style="color: #575757; text-decoration: none;"> Contact Us </a></li> </ul> <p style="margin: 0; font-size: 12px; color: #a8a8a8;">© Copyright 2011 NATIONAL ASSOCIATION OF REALTORS</p> </td> <td align="right" valign="top" style="padding: 20px 0px;" width="30px"> <img src="http://c0263062.cdn.cloudfiles.rackspacecloud.com/images/logos/logo-realtor.png" align="left" height="39" alt="realtor logo" width="33" /> </td> </tr> </table> </td> </tr> </table> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/your-friend-thought-you-should-see-this-from">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-506191599021881082?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-54613126383487330352011-11-09T18:52:00.001-08:002011-11-09T18:52:58.418-08:00Florida Hardest Hit Fund Information<div class='posterous_autopost'><div class="gmail_quote"> <div> <div> <p> </p> <p align="center" style="TEXT-ALIGN: center;"><b><span style="FONT-SIZE: 14pt;">Florida HHF Program: Financial Assistance for Unemployed Homeowners</span></b></p> <p> </p> <p><span style="FONT-SIZE: 11pt;">In February 2010, US Treasury (Treasury) created the “Housing Finance Agency (HFA) Innovation Fund for the Hardest-Hit Housing Markets” (HFA Hardest-Hit Fund). The funds were allocated to 18 states and the District of Columbia to assist in foreclosure prevention efforts. A total of $7.6 billion has been allotted for this fund; Florida’s total award amount is more than $1 billion. </span></p> <p><span style="FONT-SIZE: 11pt;"> </span></p> <p><span style="FONT-SIZE: 11pt;">Florida Housing Finance Corporation (Florida Housing) is the administrator of the Florida Hardest-Hit Fund (HHF) program for the state, and was directed by Treasu</span><span style="FONT-SIZE: 11.5pt;">ry to use a portion of the funds for a targeted unemployment/underemployment program to provide temporary financial assistance to eligible homeowners. </span></p> <p><span style="FONT-SIZE: 11.5pt;"> </span></p> <p><span style="FONT-SIZE: 11.5pt;">These programs are as follows: </span></p> <p><span style="FONT-SIZE: 11.5pt;"> </span></p> <p style="MARGIN-BOTTOM: 8.45pt; MARGIN-LEFT: 0.25in; MARGIN-RIGHT: 0in;"><span style="FONT-SIZE: 11.5pt;"><span>•<span style="FONT: 7pt Times New Roman;"> </span></span></span><b><span style="FONT-SIZE: 11.5pt;">Unemployment Mortgage Assistance Program (UMAP)</span></b><span style="FONT-SIZE: 11.5pt;">—can<b> </b>provide up to six (6) months of mortgage payments (with a cap of $12,000) paid directly to the mortgage lender to assist unemployed/underemployed borrowers with their first mortgage until they can resume full payments on their own. </span></p> <p style="MARGIN-LEFT: 0.25in;"><span style="FONT-SIZE: 11.5pt;"><span>•<span style="FONT: 7pt Times New Roman;"> </span></span></span><b><span style="FONT-SIZE: 11.5pt;">Mortgage Loan Reinstatement Payment (MLRP) Program</span></b><span style="FONT-SIZE: 11.5pt;">—can<b> </b>be used to bring a delinquent mortgage current (up to $6,000) for a homeowner who has returned to work or recovered from underemployment/underemployment. </span></p> <p><span style="FONT-SIZE: 11.5pt;"> </span></p> <p><b><span style="FONT-SIZE: 11.5pt;">For additional information on the HHF program, visit </span></b><a href="http://www.flhardesthithelp.org/" target="_blank"><b><span style="FONT-SIZE: 11.5pt;">www.FLHardestHitHelp.org</span></b></a><b><span style="FONT-SIZE: 11.5pt;">. For information on how financial institutions can sign-up to become a servicer in their area, contact Nicole Gibson, federal loan program administrator, Florida Housing, via e-mail at </span></b><a href="mailto:sherry.green@floridahousing.org" target="_blank"><b><span style="FONT-SIZE: 11.5pt;"><a href="mailto:nicole.gibson@floridahousing.org">nicole.gibson@floridahousing.org</a></span></b></a>.<span style="FONT-FAMILY: Times New Roman, serif;"></span></p> <p> </p> <p align="center" style="TEXT-ALIGN: center;"><div class='p_embed p_image_embed'> <a href="http://getfile2.posterous.com/getfile/files.posterous.com/manateemoves/lxiifalZsbB1rXnQzEtrbTqHGIxCYauF8N4DsDpNmtqK6AYxmqambjeLr5io/image002.gif"><img alt="Image002" height="10" src="http://getfile3.posterous.com/getfile/files.posterous.com/manateemoves/e3VrlUBJFmVIM5Dwb7rSFU9abGbtXlFMWcaICl7J4K0IbQiXQBGwEuA96oBa/image002.gif.scaled.500.jpg" width="500" /></a> </div> </p></div></div></div><br /> <p><div class='p_embed p_image_embed'> <img alt="Image001" height="31" src="http://getfile8.posterous.com/getfile/files.posterous.com/manateemoves/CmRALLVOzFNiY5GCnQVnlLYEKnNoGp92b50SMWBLauh4qLJi2MNkMsjcud18/image001.gif" width="31" /> </div> </p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/florida-hardest-hit-fund-information">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5461312638348733035?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-78905360036338611542011-10-25T07:24:00.001-07:002011-10-25T07:24:27.171-07:00Obama Announces changes to HARP Loan modifications for all Fannie and Freddie Mac Loans?<div class='posterous_autopost'><div class="gmail_quote">This is breaking news as the Obama administration has side stepped Congress to help underwater homeowners refinance their higher interest loans at today's lower rates. This could be a big step forward to helping underwater homeowners here in Manatee and Sarasota counties get into a more manageable payment that they can afford.</div> <div class="gmail_quote"> </div> <div class="gmail_quote">Some big unanswered questions.</div> <div class="gmail_quote"> </div> <div class="gmail_quote">1. Will this program help people who are behind in their payments? Or just upside down and current?</div> <div class="gmail_quote"> </div> <div class="gmail_quote">2. Will this program expand to non Freddie Mac and Fannie Mae loans? (I would hope so)</div> <div class="gmail_quote"> </div> <div class="gmail_quote">3. What will be the credit requirements to obtaining a refi?</div> <div class="gmail_quote"> </div> <div class="gmail_quote">4. Will principle reductions be a part of the equation?</div> <div class="gmail_quote"> </div> <div class="gmail_quote"><br /> </div> <div class="gmail_quote"> <h3>Home Affordable Refinance Program (HARP) Changes</h3> <h2><span><b><span style="COLOR: #3366cc; FONT-SIZE: 9pt;"> </span></b></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">Today, the Federal Housing Finance Agency announced enhancements to the <i>Home</i> <i>Affordable Refinance Program</i> (HARP), and extended the program until Dec. 31, 2013. The changes are designed to expand the number of borrowers with little or negative equity who can qualify for refinancing. It is possible you will receive calls from customers inquiring about their eligibility for the program. Wells Fargo will be working as quickly as possible to have the changes in place and available to borrowers. However, we will not be able to determine when we will be able to offer the program enhancements until we receive the specific program guidelines – expected in mid-November – and have the chance to interpret them and make the appropriate process and potential systems changes. </span><span style="COLOR: #44464a;"></span></h2> <p style="MARGIN-BOTTOM: 12pt;"><span style="COLOR: #44464a; FONT-SIZE: 9pt;">Here are talking points you can use if you receive inquiries:</span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="FONT-FAMILY: Symbol; COLOR: #44464a; FONT-SIZE: 9pt;"><span>·<span style="FONT: 7pt Times New Roman;"> </span></span></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">The <i>Home Affordable Refinance Program </i>allows homeowners in good payment standing, whose loans are owned or guaranteed by Fannie Mae or Freddie Mac, to refinance and take advantage of today’s low interest rates. </span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="FONT-FAMILY: Symbol; COLOR: #44464a; FONT-SIZE: 9pt;"><span>·<span style="FONT: 7pt Times New Roman;"> </span></span></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">The program is especially helpful for customers who cannot obtain a standard refinance because their property value has declined. </span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="FONT-FAMILY: Symbol; COLOR: #44464a; FONT-SIZE: 9pt;"><span>·<span style="FONT: 7pt Times New Roman;"> </span></span></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">The Federal Housing Finance Agency announced enhancements to this program today that will allow more customers to qualify.</span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="FONT-FAMILY: Symbol; COLOR: #44464a; FONT-SIZE: 9pt;"><span>·<span style="FONT: 7pt Times New Roman;"> </span></span></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">Only borrowers with a loan sold to Fannie Mae or Freddie Mac before May 31, 2009 are eligible to refinance through HARP. In addition, borrowers who already have refinanced through HARP are not eligible to refinance through the program again.</span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="FONT-FAMILY: Symbol; COLOR: #44464a; FONT-SIZE: 9pt;"><span>·<span style="FONT: 7pt Times New Roman;"> </span></span></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">Fannie Mae and Freddie Mac plan to send the program guidelines required to offer this program to all lenders in mid-November. When we receive them, we will work quickly to make the changes required to support the implementation, including any potential changes to our systems in order to offer the program to our customers as soon as possible. </span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="FONT-FAMILY: Symbol; COLOR: #44464a; FONT-SIZE: 9pt;"><span>·<span style="FONT: 7pt Times New Roman;"> </span></span></span><span style="COLOR: #44464a; FONT-SIZE: 9pt;">It will take some time until the new HARP features will be available through Wells Fargo. </span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="COLOR: #44464a; FONT-SIZE: 9pt;"></span><span style="COLOR: #44464a; FONT-SIZE: 9pt; FONT-WEIGHT: normal;">In the meantime, the current <i>Home Affordable Refinance Program</i> remains available for customers who qualify and borrowers who aren’t eligible for HARP may qualify for other refinancing options.</span></p> <p style="MARGIN-BOTTOM: 12pt; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in;"><span style="COLOR: #44464a; FONT-SIZE: 9pt; FONT-WEIGHT: normal;"></span> </p><span style="COLOR: #44464a; FONT-SIZE: 9pt; FONT-WEIGHT: normal;"> </span><h1 style="FONT-FAMILY: Times New Roman, serif; MARGIN-LEFT: 0in; FONT-SIZE: 24pt; FONT-WEIGHT: bold; MARGIN-RIGHT: 0in;"><span>U.S. to overhaul mortgage-refinance program: WSJ</span></h1> <div style="MARGIN: 0in 0in 0pt; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><b><span style="COLOR: black;">By Michael Kitchen</span></b><span></span></div> <div style="LINE-HEIGHT: 16.25pt; MARGIN: 0in 0in 0pt; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-SIZE: 14pt;">LOS ANGELES (MarketWatch) -- The Obama administration plans to announce major changes to a mortgage-refinance program that include eliminating restrictions for those whose homes have fallen significantly in value, The Wall Street Journal reported late Sunday, citing unidentified U.S. officials. The overhaul to the "under-used" program would also end required appraisals and extensive underwriting for most participants, so long as they have stayed current on their mortgage payments, the report said. President Barack Obama is slated to speak on the changes at a speech Monday, the report said.</span></div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>Requires borrower to be current on their loan payments—no other requirements</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>Makes no difference how far underwater their home is</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>Will eliminate appraisals and extensive underwriting requirements for most borrowers</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>FHA, Fannie Mae and Freddie Mac have agreed to eliminate some fees in some circumstances</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>CoreLogic estimates 20 million homeowners could qualify—one out of four homeowners in the country</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>At a $400 per month loan payment reduction ($4,800 per year pre-tax), this potentially could put $96 billion annual in consumers pockets without increasing U.S. government or consumer debt 1 cent – consumers spending that would spur an economic recovery</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>Could potentially keep one out of four distressed properties off the market significantly reducing shadow inventory and expediting a recovery in the housing markets</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>Federal government will collect more income taxes as homeowners will have less interest deductibility</div> <div style="MARGIN: 0in 0in 0pt 0.5in; FONT-FAMILY: Calibri, sans-serif; FONT-SIZE: 11pt;"><span style="FONT-FAMILY: Symbol;"><span>·<span style="FONT: 7pt Times New Roman;"> <span> </span></span></span></span>Since none of these existing loans had prepayment penalties, all current investors in those loans knowingly had the potential of repayment at any time</div> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/obama-announces-changes-to-harp-loan-modifica">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7890536003633861154?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-57951185581280011732011-09-14T08:08:00.001-07:002011-09-14T08:08:55.746-07:00New loan modification program from Freddie Mac<div class='posterous_autopost'><div>There may be hope for those that have tried for a loan modification without success. Freddie mac has announced that they will have a program for modifying delinquent borrower's mortgages for those that have tried, and failed prior modifications, and also for those that do not qualify for the HAMP program.</div> <div> </div> <div>I have heard of lots of talk of loan modification programs, but I am always hopeful that the idea of permanent loan modification for troubled borrowers could become commonplace. This new modification program is set to begin in January. </div> <div> </div> <div>To find out if you have a Freddie Mac loan to be eligible, check out their loan look up tool, here you can find out if Freddie mac owns your mortgage.</div> <div> </div> <div><a href="https://ww3.freddiemac.com/corporate/">https://ww3.freddiemac.com/corporate/</a></div> <div> </div> <div> </div> <div>In the hundred plus short sales that I have helped sell for customers here in Sarasota and Bradenton, I would estimate that more than half had tried, unsuccessfully, to modify their mortgage. They typically call me when they reach a point of frustration dealing with all the paperwork that needs to be submitted, and the slow process. Usually only to find out that they do not qualify.</div> <div> </div> <div>In the Freddie Mac program the borrower must be at least 60 days past due. The mortgages that are modified will have the interest rate set to 5% and have the term of the loan extended to 40 years. What help make this program work is that Freddie Mac will offer cash incentives up to 1,600 dollars for each approved modification. That's cash to the lender/investor. Giving the lender a financial incentive to modify just make the difference.</div> <div> </div> <div>One other interesting points to the program is that being 'owner occupied" is not a requirement for the program, so this can potentially help investors that own rental properties obtain a modifications as well. usually being not a primary residence disqualifies a loan for modification,</div> <div>Once the borrower is approved for the modification, they will be in a 3 month trial process, and if they can keep their payments current, the modification becomes permanent. I have heard from many people that have had a modification and a trial payment period find out that at the end of the trial the loan modification was not approved, usually without a concrete answer as to why. </div> <div> </div> <div>Here in Sarasota and Bradenton we have almost half of all homeowners underwater owing more than their home's value. There are over 16,000 active foreclosures on the market in just Manatee county. That does not even take into account the properties that are delinquent, and not yet into the foreclosure pipeline. Hopefully this new Freddie Mac Loan modification program will be able to help home owners here in Sarasota and Manatee counties avoid foreclosure, or having to short sale properties that they would rather keep. <br /> </div> <div> </div> <div>If you need help or advice about buying, selling property here in Sarasota and Bradenton please feel free to contact me. Joe Murphy, Short sale expert for the Sarasota and Bradenton area.</div> <div> </div> <div> </div> <div style="TEXT-ALIGN: center;">JOSEPH MURPHY, P.A.<br />941-780-3260 cell/text<br />941-739-9120 fax<br /><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a><br /><a href="http://manateemoves.com/" target="_blank">manateemoves.com</a></div> <div style="TEXT-ALIGN: center;"><br />COLDWELL BANKER RESIDENTIAL RE<br />11215 SR 70 East SUITE #105<br />Bradenton, FL 34202<p /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/new-loan-modification-program-from-freddie-ma">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5795118558128001173?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-1312349814473570132011-08-30T09:19:00.001-07:002011-08-30T09:19:32.553-07:00Shadow Inventory of Foreclosures in the Major markets, a real EYE opener<div class='posterous_autopost'>We all hear about the "shadow inventory" issues our country is facing, these graphics are really amazing at showing all the upcoming foreclosures throughout the country. This is a major problem, that will be with us for some time. What do you think of these maps?<br /> <div> </div> <div> </div> <div class="gmail_quote"> <div> <div> <table border="0"> <tr> <td valign="top" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"> <table border="0"> <tr> <td valign="top" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"> <p><span style="COLOR: black;"> </span></p> <p style="BACKGROUND: white;"><span style="COLOR: black;"> </span></p> <table border="0"> <tr> <td valign="top" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"> <p align="center" style="TEXT-ALIGN: center;"><b><span style="COLOR: red; FONT-SIZE: 13.5pt;">THIS IS A STARTLING SET OF PICTURES!</span></b><span style="COLOR: black;"></span></p> <p align="center" style="TEXT-ALIGN: center;"><span style="COLOR: black;"> </span></p> <p align="center" style="TEXT-ALIGN: center;"><b><i><span style="COLOR: black; FONT-SIZE: 10pt;">Note: The red</span></i></b><b><span style="COLOR: black; FONT-SIZE: 10pt;"> <i>dots show homes currently in foreclosure. The slide title describes the fraction of homes that received foreclosure filings in 2010</i></span></b><span style="COLOR: black;"></span></p> <p><b><span style="COLOR: black; FONT-SIZE: 10pt;">Although some of the worst hit areas in Nevada, California and </span></b><b><span style="COLOR: red; FONT-SIZE: 10pt;">Florida</span></b><b><span style="COLOR: black; FONT-SIZE: 10pt;"> improved from 2009, the foreclosure rate in these areas remains high.<br /> For a way to visualize the foreclosure crisis, they borrowed a <a href="http://www.businessinsider.com/blackboard/google" title="http://www.businessinsider.com/blackboard/google" target="_blank"><span style="COLOR: black;">Google</span></a></span></b><span style="COLOR: black;"></span></p> <p><b><span style="COLOR: black; FONT-SIZE: 10pt;">maps technique described by <a href="http://www.ritholtz.com/blog/2010/12/google-map-foreclosures/" title="http://www.ritholtz.com/blog/2010/12/google-map-foreclosures/" target="_blank"><span style="COLOR: black;">Barry Ritholtz</span></a> </span></b><span style="COLOR: black;"></span></p> <p><b><span style="COLOR: black; FONT-SIZE: 10pt;">.<br />Keep scrolling down, Las Vegas is the big winner/loser with its number of foreclosures.</span></b><span style="COLOR: black;"> </span></p> <p><b><span style="COLOR: black;"><br /></span></b><b><span style="COLOR: black; FONT-SIZE: 18pt;">20) Boise, Idaho -- 1 in 21 homes in foreclosure (The red dots show all foreclosures in process)</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/9TWc8UmYtBY9l673Vi3JWdpPo7Xc6UIjr0shKhN6wpMpTN20otiyVmG6fjCJ/image001.jpg"><img alt="Image001" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/QOTXNIbd76K2BpCrbHEhSBcEAx75unWiSbIFYjjpIt2sk7LCtQKXvrBkqo8w/image001.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">19) Sarasota, Fla. -- 1 in 21 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/4y4h3xgvEBZSsGafu31b6x7bdlek3WVkLC7T1bXDtzPDtP9e8rISFcE8EShQ/image002.jpg"><img alt="Image002" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/pVfInF5quIHSRmM36IF0nKsxSE6BQYPcrBe7Mq0i1AfIQ8swR7qoNQTlg2vV/image002.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">18) Lakeland, Fla. -- 1 in 21 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/H9pwVuM1oV86KuVnXDd74nvMhtdTQP8UcFP1FNYCgIzP96JCzFViAnhoMDy8/image003.jpg"><img alt="Image003" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/tRHFtv9jZmiH34Z8iGImGSlsRBrVHzpIaqzpMV6Bab7rTGAHls2VB1xWeWaW/image003.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">17) Tampa, Fla. -- 1 in 20 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/UPX75DjJ6Vf3APLSe70ZNGL3vxieayIWq387pkWAQKzsEVlJog8zoIJtj2mp/image004.jpg"><img alt="Image004" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/jK7RPjjqEs3dyLbASQ2MDKxqAdAcEYOVeEBkOtLZO5KX3FKTu65NECOn5Hww/image004.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">16) Port St. Lucie, Fla. -- 1 in 19 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/VEYBnbc9GXuN1v2h2l24RzAkmPum83xrwiCs7ngYbfQPomhGH6hrnbY3Ui1k/image005.jpg"><img alt="Image005" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/4BVmp8lk2CiLFQHmdRAdJwAkbX6FkXCvHmjKjsZwA8MkBPThWLMbtBC6AQQT/image005.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">15) Sacramento, Calif. -- 1 in 19 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/oh0vLlF2qnKEvX3QezA4WU7Nww8p637aDFGzpxy72ZVhYEm2hB19fr9BHh37/image006.jpg"><img alt="Image006" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/af1sgOdqlCqTLsmyXWZpGgMqLCPzvpsOOZk9v9xkrMl3MHSmYghkdjLm5kh5/image006.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">14) Naples, Fla. -- 1 in 18 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/8kf8cv8UCCoCOEzIJNhbUeKbvdIeBe9p6txnxvTC2e5ShQmkQG8yGcvq0luY/image007.jpg"><img alt="Image007" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/AkSst5JxzXlDHO7eo7Uv3Nap1eLdXZRaRLnsGzVGBP7ghv75M0ijGWKKBti0/image007.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">13) Deltona, Fla. -- 1 in 17 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/pjykJ4yJzY29HKv6LpIJGYO7w7ZrVo8NkXyCKyNnZjVTnoCqSPD0CE4qRebu/image008.jpg"><img alt="Image008" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/KLAo9pHAfobpmMvbxi1xJb2Bk1AXp1FuxISSeeCYjeyMfXzy7jTQnWqBI9bW/image008.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">12) Bakersfield, Calif. -- 1 in 17 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/UKB99ChUpAyfXujSKC5F1nvBFvAb3rSpIMvTOk89Bb4Ddv6xAiGOSboKysvy/image009.jpg"><img alt="Image009" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/apc2DpkPL3YCemfrPlMBtaDLmy0Pbju26V1kcBb6ibUBuOpAfxJhzLO85fuZ/image009.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">11) Reno, Nev. -- 1 in 16 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/vPXXUtwNk3WZiB4dd13iOfuJYrtNfj8YcanYhXCz67mULqWCP1x1I2EcZmXp/image010.jpg"><img alt="Image010" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/1PR8HbGRV2Va8ponA98YcxYClkG8U4lkatPui2XVFSPmz5VfmpDIhuH0YLyf/image010.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">10) Vallejo, Calif. -- 1 in 16 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/dUCd5WHZGdsCfj1dSkznrq6A2we8ArThneYTiI4tlL8835YJ1n4jdD6qVYkS/image011.jpg"><img alt="Image011" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/Bw2BncrNCNdwJ6omOsVCLkmj91pWS7b5UjUDn3uTKKmSzQWHbMk5EVwEnggJ/image011.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">9) Orlando -- 1 in 15 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/6EdNX0gjdlVkf0tVwzzEG1Sm6N5djhNmut6x36HPPU9KkpsCjQAjH5iv8tMI/image012.jpg"><img alt="Image012" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/i9jt5Hx4T3yKv4BP6zimVyQqJFygHiaao65kjFo8MVJkNAz56rpLGlw2lAjZ/image012.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">8) Merced, Calif. -- 1 in 14 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/YUJ84iLJ4ZywTIQljIxmrd9ExSwsqT6TblsXn9R9Yi3HqGACE0ESA0gbTTgr/image013.jpg"><img alt="Image013" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/IgZzNzbqnyBGZduhCNiw4LGyELUVOuGhQP3lGtbm9vEheiDvAOLpAZEm4BPW/image013.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">7) Stockton, Calif. -- 1 in 14 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/02Uhk3rTeD3cjf1HEpsqLHI2kYHJXuAgHQbjNgQ9KjBITeCspTK3kARvLtZB/image014.jpg"><img alt="Image014" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/P7QGPafIeylif4QwSaSBXk9UVKWccYdmyUmQavaG7WVFX6Zor1AEIqDeB72s/image014.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">6) Riverside, Calif. -- 1 of 14 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/DUmlN7kJQYvmud4FINrJ5A6vX5I1wFP8pNVKUoNmOu8OFC6UwpJJQxRnjTIO/image015.jpg"><img alt="Image015" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/1s9ZyuNNdx9UUvrG6cJuTuEUAe6YwgakfNbCz4DBPDb6fsmhxi4X513mPa2K/image015.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">5) Miami -- 1 in 14 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/M4DBpdoyLlfx5JTEiCtTtB4B1Xx7hslT92iVvztdKrHLSK01fbzQ1FbaScUt/image016.jpg"><img alt="Image016" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/IbphiemIKJPXfU6VXFpBX74D39sYkDM6rRTmBRyZrhIrDJQZyH0wPgZqHMJV/image016.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">4) Phoenix -- 1 in 14 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/q3NblOBTdqh7nRUbe5EUzhWY7lbWJ0PPGLLCPOHi9d5PJB87wjxj5drslhgf/image017.jpg"><img alt="Image017" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/m8CnAbF6SzVXYA4ZyWzy0UMGNZYXLbH5WreYMmjhNDl2OZu0u8t1ve7wyd2Y/image017.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">3) Modesto, Calif. -- 1 in 14 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/xGr6oWPvTj3ODqfzjyK6Q8HDz6CgryO2nzgqHMPmEYdwrTq3HvMOzV13T8mx/image018.jpg"><img alt="Image018" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/JNzkijwdWkYXbD394vE0plriATyuga5W1PY9QpTYALyzyhPFryqcpyS69E1f/image018.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">2) Cape Coral, Fla. -- 1 in 12 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/MDYDojMr6UU1a6Kt72uPshRUvo7H9Pdvx9OXeZ2IxeTiaNc9HcEUzWhoFA2a/image019.jpg"><img alt="Image019" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/5zKwIWNZpj1xO6Aj4SzMWMARlvBZGRlZn3I1NcVUriDSMhJoioFcNKesZibM/image019.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps<br /> <i>Note: The red</i> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /></span><b><span style="COLOR: black; FONT-SIZE: 18pt;">1) Las Vegas -- 1 in 9 homes in foreclosure</span></b><span style="COLOR: black;"><br /> <div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/GLfHX4gPlzlmWFQAmHZk3U47HpXgpZUI8VGA3NCg16ZE8e7Tnrnq8ibB9ev7/image020.jpg"><img alt="Image020" height="375" src="http://posterous.com/getfile/files.posterous.com/manateemoves/k1g0T4pg2ljiQk59oYIENg0jqrbvomgI567yC2pBoGENruPPTwT1IQ3ZwAlM/image020.jpg.scaled.500.jpg" width="500" /></a> </div> <br /></span><i><span style="COLOR: black; FONT-SIZE: 10pt;">Note: The red</span></i><span style="COLOR: black; FONT-SIZE: 10pt;"> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"><br /> </span><b><span style="COLOR: black; FONT-SIZE: 18pt;">BONUS: USA -- 1 in 46 homes in foreclosure</span></b><span style="COLOR: black;"><br /><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/mfwqOMkLiGgQKYCeqe0w2QmyFNkRGeZ3ceJSCS4rquHRiPU5b6pVpfYasJXD/image021.jpg"><img alt="Image021" height="376" src="http://posterous.com/getfile/files.posterous.com/manateemoves/UGU8t1xb5tyAofFv5a7gltaN35q6Q709AdUzC7IJ3C8ZZLMq1wdMKoAEGavy/image021.jpg.scaled.500.jpg" width="500" /></a> </div> <br /> </span><span style="COLOR: black; FONT-SIZE: 10pt;">Image: Courtesy of Google Maps</span><span style="COLOR: black;"></span></p> <p><span style="COLOR: black;"><br /></span><i><span style="COLOR: black; FONT-SIZE: 10pt;">Note: The red</span></i><span style="COLOR: black; FONT-SIZE: 10pt;"> <i>dots shows homes currently in foreclosure.. The slide title describes the fraction of homes that received foreclosure filings in 2010.</i></span><span style="COLOR: black;"></span></p> <p align="center" style="TEXT-ALIGN: center;"><b><span style="COLOR: red;">How 's that " Hope & Change " working out for ya?</span></b><span style="COLOR: black; FONT-SIZE: 12pt;"></span></p> </td></tr></table> <p style="BACKGROUND: white;"><span style="COLOR: black;"> </span><span style="COLOR: black; FONT-SIZE: 12pt;"></span></p></td></tr></table></td></tr></table> <p> </p> <p><span style="FONT-SIZE: 12pt;"> Provided by:</span></p> <p><span style="FONT-SIZE: 12pt;"> </span></p> <table border="1" width="675" style="BORDER-BOTTOM: #666666 1.5pt solid; BORDER-LEFT: #666666 1.5pt solid; BORDER-TOP: #666666 1.5pt solid; BORDER-RIGHT: #666666 1.5pt solid;"> <tr> <td style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; BORDER-TOP: medium none; BORDER-RIGHT: medium none; PADDING-TOP: 0.75pt;"> <table border="0" width="100%" style=""> <tr> <td rowspan="3" style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p align="center" style="TEXT-ALIGN: center;"><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"><div class='p_embed p_image_embed'> <img alt="Image022" height="144" src="http://posterous.com/getfile/files.posterous.com/manateemoves/8bCNfI6MiG1IcAt2rMpZ2xgH54yZ7RXro0rozFGQ3xCrSaxMismfVJEy0ceF/image022.jpg" width="100" /> </div> </span><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"></span></p> </td> <td valign="top" colspan="3" style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p><b><span style="FONT-FAMILY: Garamond, serif; COLOR: #1f497d; FONT-SIZE: 12pt;">Shawn J. Harressey</span></b><span style="FONT-FAMILY: Garamond, serif; COLOR: #1f497d; FONT-SIZE: 12pt;"><br /> </span><i><span style="FONT-FAMILY: Garamond, serif; COLOR: #1f497d; FONT-SIZE: 10pt;">Sales Manager / VP Retail Lending</span></i><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"></span></p> </td> <td rowspan="2" valign="top" width="200" style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p align="right" style="TEXT-ALIGN: right;"><a href="http://www.guaranteedrate.com/shawnharressey?utm_source=grMktg&utm_medium=email&utm_term=shawnharressey&utm_content=photo&utm_campaign=sig" target="_blank"><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt; TEXT-DECORATION: none;"><div class='p_embed p_image_embed'> <img alt="Image023" height="44" src="http://posterous.com/getfile/files.posterous.com/manateemoves/N7O9IEqC0nqlfvhMlozNPhbSPQntpNLQPdw6ESUifUXk6BQAO296KRox0C6v/image023.gif" width="175" /> </div> </span></a><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"></span></p> </td></tr> <tr> <td width="125" style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p><b><span style="FONT-FAMILY: Garamond, serif; COLOR: #1f497d; FONT-SIZE: 10pt;">P: <a value="+16036443377" target="_blank">(603) 644-3377</a></span></b><span style="FONT-FAMILY: Garamond, serif; COLOR: #1f497d; FONT-SIZE: 10pt;"><br /> <b>C: </b><a value="+16033964571" target="_blank">(603) 396-4571</a><br /><b>F: </b><a value="+16033866129" target="_blank">(603) 386-6129</a></span><span style="FONT-SIZE: 10pt;"></span></p> </td> <td style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p><span style="FONT-SIZE: 9pt;"><a href="mailto:Shawn.Harressey@guaranteedrate.com" target="_blank"><a href="mailto:SHarressey@NHInternet.com">SHarressey@NHInternet.com</a></a><br /><a href="http://www.guaranteedrate.com/shawnharressey?utm_source=grMktg&utm_medium=email&utm_term=shawnharressey&utm_content=photo&utm_campaign=sig" target="_blank">guaranteedrate.com/shawnharressey</a><br /> <b>NMLS ID: </b>9440</span></p></td> <td style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"></td></tr> <tr style=""> <td valign="bottom" colspan="3" style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p><span style="FONT-FAMILY: Garamond, serif; COLOR: #1f497d; FONT-SIZE: 10pt;">20 Trafalgar Square Suite 204 Nashua , NH • 03063</span><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"><p /> </span><span style="COLOR: #666666; FONT-SIZE: 8.5pt;">NMLS ID 2611<br />Licensing Information: <a href="http://www.guaranteedrate.com/licensing.php/vpname/shawnharressey?utm_source=grMktg&utm_medium=email&utm_term=shawnharressey&utm_content=photo&utm_campaign=sig" target="_blank">http://www.guaranteedrate.com/licensing</a></span><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"></span></p> </td> <td valign="bottom" style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p align="right" style="TEXT-ALIGN: right;"><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"><div class='p_embed p_image_embed'> <img alt="Image024" height="23" src="http://posterous.com/getfile/files.posterous.com/manateemoves/EVMwKJtO4vw3LjftcDBKQEC2Ja8AUvkVGUqEAAZgaYK9VJTnMqmJiYqpuF1V/image024.gif" width="145" /> </div> </span><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"></span></p> </td></tr> <tr> <td width="112" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"></td> <td width="127" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"></td> <td width="222" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"></td> <td width="5" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"></td> <td width="203" style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; PADDING-TOP: 0in;"></td></tr></table></td></tr></table> <p><span style="FONT-FAMILY: Times New Roman, serif; FONT-SIZE: 12pt;"> </span></p> <table border="0" width="675" style=""> <tr> <td style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p><span style="COLOR: #666666; FONT-SIZE: 8.5pt;">State License Numbers: NH - NH9440 - 13931-MB, </span></p></td></tr> <tr> <td style="PADDING-BOTTOM: 0.75pt; PADDING-LEFT: 0.75pt; PADDING-RIGHT: 0.75pt; PADDING-TOP: 0.75pt;"> <p><b><span style="COLOR: red; FONT-SIZE: 8.5pt;">CONFIDENTIALITY AND SECURITY NOTICE</span></b><span style="COLOR: #a7aeb6; FONT-SIZE: 8.5pt;"> The contents of this message and any attachments may be privileged, confidential and proprietary and also may be covered by the Electronic Communications Privacy Act. If you are not an intended recipient, please inform the sender of the transmission error and delete this message immediately without reading, disseminating, distributing or copying the contents. Guaranteed Rate makes no assurances that this e-mail and any attachments are free of viruses and other harmful code.</span></p> <p><span style="COLOR: #a7aeb6; FONT-SIZE: 8.5pt;"> </span></p> <p><span style="PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; COLOR: #a7aeb6; FONT-SIZE: 8.5pt; PADDING-TOP: 0in;"><div class='p_embed p_image_embed'> <img alt="Image025" height="60" src="http://posterous.com/getfile/files.posterous.com/manateemoves/0rP7PiFM15M7Ps7ex3BpLD0j0h1BuxYMv6LSu3m2XrAQe8CWTq1RVSbc5lhM/image025.jpg" width="468" /> </div> </span><span style="COLOR: #a7aeb6; FONT-SIZE: 8.5pt;"></span></p> </td></tr></table> <p> </p> <p> </p></div></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/shadow-inventory-of-foreclosures-in-the-major">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-131234981447357013?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-59564401423489280842011-08-04T20:59:00.001-07:002011-08-04T20:59:29.594-07:00A few nice high end bank owned homes hit the market.<div class='posterous_autopost'>High-end foreclosures have had a recent bump in the past few weeks. I have a link below that will take you to a few unique and some bargain bank owned homes. In case you are curious, or know anyone looking to move up this is a great time as these homes are now half price, or less than their respective values 5 years ago. <br /> <br /> <br /> There has been an increase in some higher end homes very recently coming on the market. Some very nice homes here, in case you were interested, or knew anyone looking for a luxury bargain. <br /> <br /> A few are unrealistic with prices, but offers are always welcome! <br /> <br /> This is a great time to be looking at this price range as there are less buyers in the market for the next few months before season begins.<br /> <br /> Have a great night,<br /> <br /> Joe Murphy<br /> <br />JOSEPH MURPHY, P.A.<br />941-780-3260 cell/text<br />941-739-9120 fax<br /><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br />manateemoves.com<br />COLDWELL BANKER RESIDENTIAL RE<br />11215 SR 70 SUITE #105<br />Bradenton, FL 34202<br />E-mail: joe@manateemoves.com<br /><a href="http://mfr.mlxchange.com/DotNet/Pub/EmailView.aspx?r=1125487156&s=MFR&t=MFR" target="_blank">04-Res Customer Gallery</a><br /><a href="http://mfr.mlxchange.com/DotNet/Pub/EmailView.aspx?r=1139312821&s=MFR&t=MFR" target="_blank">06-Res Customer Gallery w Map</a> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/a-few-nice-high-end-bank-owned-homes-hit-the">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5956440142348928084?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com1tag:blogger.com,1999:blog-37263107.post-62851881100760796962011-07-13T09:22:00.001-07:002011-07-13T09:22:51.353-07:00Rental listing in Waterlefe- Very nice 4000 sqft pool home<div class='posterous_autopost'><div>Looking for a quick move in? Here is an great canidate. 10904 Big Bass Place in Waterlefe is available for a move in August 1, 2011. Asking 3,495 a month including lawn and pool care. This home is upgraded to the Max! Huge master bedroom, fireplace, outdoor kitchen, big upstairs bonus room too.</div> <div> </div> <div>Waterlefe is a gated waterfront golf course community in East Manatee county. Located on the manatee river. Check this one out, you won't be disappointed.</div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="10904 Big Bass Place" src="http://tour.previsite.com/0B741BC2-56AF-8436-2C39-C4C1FD3E02F9&s=800x600" frameborder="0" height="600" width="800"></iframe></div><br /> </div> <div>Regards,</div> <div> </div> <div> </div> <div> </div> <div>JOSEPH MURPHY, P.A.<br />941-780-3260 cell/text<br />941-739-9120 fax<br /><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a><br /><a href="http://manateemoves.com/" target="_blank">manateemoves.com</a></div> <div><br />COLDWELL BANKER RESIDENTIAL RE<br />11215 SR 70 SUITE #105<br />Bradenton, FL 34202<br />E-mail: <a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/rental-listing-in-waterlefe-very-nice-4000-sq">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-6285188110076079696?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-20251106155590260822011-07-13T09:05:00.001-07:002011-07-13T09:05:10.891-07:00Now You Can Substitute a New Buyer for One Who Walked Without Restart, Awesome news!<div class='posterous_autopost'><div>This should really help speed up the process when short sale deals fall apart. Nothing worse then getting a deal approved, and the buyer cancels the deal.</div> <div> </div> <div>I am glad to see that Bank of America is using some common sense on the realities of short sale.</div> <div> <br /></div> <div class="gmail_quote"> <div> <table border="0" align="center" width="551"> <tr> <td align="middle" valign="top" width="551"></td></tr> <tr height="15"> <td align="left" valign="top" width="551"></td></tr> <tr> <td align="right" valign="top" width="551"><a name="131200f575bdacd7_BofA_logo_H" href="http://click.mail.realestateagent.bankofamerica.com/?qs=71b16da09e1c2487b7ae7602396c7224ec524de655b64cd72ac3d9b5bd369a67" target="_blank"></a></td> </tr> <tr> <td height="18"></td></tr> <tr> <td width="551"> <table border="0" width="551"> <tr> <td align="left" valign="top" width="68"></td> <td align="left" valign="top" width="483"> <table border="0" width="483"> <tr> <td height="8"></td></tr> <tr> <td align="left" valign="top"><b> </b><table border="0" width="100%"> <tr> <td> <table border="0" width="100%"> <tr> <td style="FONT-FAMILY: Arial; FONT-SIZE: 13px;"><strong>Now You Can Substitute a New Buyer for One Who Walked Without Restart</strong></td> </tr></table></td></tr></table></td></tr></table></td></tr></table></td></tr> <tr height="10"> <td width="551"></td></tr> <tr height="1"> <td width="551"></td></tr> <tr height="15"> <td align="left" valign="top" width="551"></td></tr> <tr> <td align="left" valign="top" width="551"> <table border="0" width="100%"> <tr> <td> <table border="0" width="100%"> <tr> <td style="FONT-FAMILY: Arial; FONT-SIZE: 13px;"> <p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px;">As an example of our commitment to improving the short sale process, Bank of America now allows real estate agents to submit a backup offer on a transaction if the original buyer has walked away from the sale. This means you will no longer have to initiate a new short sale; instead, you can continue with the original transaction in Equator and still work with your same short sale specialist. This change will save you time by not having to repeat a number of process steps. <br /> </p> <p style="MARGIN: 4pt 0in;"><br /><strong>When a Backup Offer Is Ready<p /></strong>You should send a message to your short sale specialist via Equator when the original buyer is no longer interested in the property. Your short sale specialist will then respond to you within two business days and ask if you have a backup offer ready to submit. If you have another buyer prepared to make an offer, the short sale can proceed without having to repeat the short sale initiation steps. The short sale status in Equator will change to "Marketing," and you will be directed to complete the following tasks within 14 business days: <br /> </p> <p style="MARGIN: 4pt 0in 4pt 0.5in;">· Complete the "Listing Data" task.</p> <p style="MARGIN: 4pt 0in 4pt 0.5in;">· Provide the marketing description.</p> <p style="MARGIN: 4pt 0in 4pt 0.5in;">· Review the marketing plan. </p> <p style="MARGIN: 4pt 0in 4pt 0.5in;">· Upload the offer. (To do this in Equator, locate "My Properties," then "Offers" and select "Place New Offer.")</p> <p style="MARGIN-BOTTOM: 12pt;">If the "Listing Data" task is not completed and the new offer is not uploaded within 14 business days, the file will be closed. </p> <p style="MARGIN: 4pt 0in;"><strong>When No Backup Offer Is Ready<p /></strong></p> <p style="MARGIN: 4pt 0in;">This new process applies only if there's an available backup offer when a buyer walks. If you do not have a backup offer ready to be submitted, the short sale will be declined. In that case, you should return to marketing the property and initiate a new short sale in Equator once you receive another offer.</p> <p style="MARGIN-BOTTOM: 12pt;">A new educational guide, <a href="http://click.mail.realestateagent.bankofamerica.com/?qs=fa950c2cf0bbfc719919c881624c1b3599189ce05117485a5715f1471c87fc74" title="How and When to Submit a Short Sale Backup Offer" target="_blank">How and When to Submit a Short Sale Backup Offer</a>, is available to explain the backup offer process. If you have any questions, please contact your short sale specialist via Equator or call Customer Care at <a value="+18668801232" target="_blank">1.866.880.1232</a>.</p> <p style="MARGIN-BOTTOM: 12pt;">Visit the Real Estate Agent Resource Center at <a href="http://click.mail.realestateagent.bankofamerica.com/?qs=80a62cfccacab241ad654be32de756068f690c6de559c7cb19419147f40fbec9" target="_blank">bankofamerica.com/realestateagent</a> for additional educational guides, news and resources to help you complete short sales at Bank of America. </p> </td></tr></table></td></tr></table><p /></td></tr> <tr height="4"> <td width="551"></td></tr> <tr> <td align="left" valign="top" width="551"><p /></td></tr></table> <table align="center" width="551"> <tr> <td height="5"></td></tr> <tr> <td><b>Unsubscribe Instructions </b><br />This is a promotional email from Bank of America. You can unsubscribe from future promotional email, now or anytime in the future, by updating your <a href="http://click.mail.realestateagent.bankofamerica.com/?qs=48601e6b11c8c446c5a303db86a29d8797c4c7991f601eaeed58f212b3c98312" target="_blank" style="COLOR: #0000ff; TEXT-DECORATION: underline;">Email Preferences</a>. <p /> <strong>Questions / Comments:</strong><br />If you have any questions or comments related to Bank of America's short sale process please contact our Customer Care line at <a value="+18668801232" target="_blank">1-866-880-1232</a> or visit <a href="http://click.mail.realestateagent.bankofamerica.com/?qs=569986fd6f9658e9d1b68250211ef48ce17089aead20dec1d025571d051cec64" target="_blank" style="COLOR: #0000ff; TEXT-DECORATION: underline;">bankofamerica.com/realestateagent</a><p /> <b>Privacy and Security</b><br />Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our <a href="http://click.mail.realestateagent.bankofamerica.com/?qs=ff0588859641fd2e17c6d6613b0728f73e5fdc80048de0002ec9cebc5dafefa8" target="_blank" style="COLOR: #0000ff; TEXT-DECORATION: underline;">Privacy Policy</a>. You can also learn how Bank of America keeps your <a href="http://click.mail.realestateagent.bankofamerica.com/?qs=f2aa4c73862720a76735e1c773f0ccdb621382e7215b5fa977c9e41e61edfb26" target="_blank" style="COLOR: #0000ff; TEXT-DECORATION: underline;">personal information secure</a> and how you can help protect yourself. <p /> Bank of America Short Sale<br />8th Floor, 101 S. Tryon St.<br />Charlotte, NC 28255-0001<p /></td></tr></table><img src="http://click.mail.realestateagent.bankofamerica.com/open.aspx?ffcb10-fef516777d6603-fe2815767c63017e711070-fe611570746306747011-ff3316717d65-fe3215747160007b751674-ffcf14" height="1" width="1" /> </div> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/now-you-can-substitute-a-new-buyer-for-one-wh">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2025110615559026082?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-59303935872958414812011-06-14T22:09:00.001-07:002011-06-14T22:09:04.275-07:00sweet condo on the river just came active boat dock included low 100's 2/2<div class='posterous_autopost'><div>If you are looking for a place to keep your boat, and have a place to live too, than you might want to call me. This deal is</div><div>less than what boat slips alone were costing a few years ago. Email me for more details. For the boater this is a gem.</div><div>Joe Murphy 941-780-3260</div><p><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/kqpFTpQobajWvJbTxfRvFEwEzhzNcBtmu7hKn8bfqv9VNH8zpTrK3b2afBDt/IMG_8578_2.jpeg"><img alt="Img_8578_2" height="374" src="http://posterous.com/getfile/files.posterous.com/manateemoves/jwZTVgn6Nxeoa21hNcYWTPajfMMLJTYBo8A0aTIEQTDwgeibwLN0WX1HYQtm/IMG_8578_2.jpeg.scaled.500.jpg" width="500" /></a> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/47Kqf0AaRBetoGeYYNAIIZ4MNhvWwq65ItnM5VUnczveQaWQsYeKgi76DCE2/IMG_8579_2.jpeg"><img alt="Img_8579_2" height="374" src="http://posterous.com/getfile/files.posterous.com/manateemoves/9D0F9TjO7EvDXiNuAkdh7ursRUkNlKZT5qvkgZQprCCwUTS1JhqOWU1nXO71/IMG_8579_2.jpeg.scaled.500.jpg" width="500" /></a> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/HyAVj800fZVKYEnwDFuAH6NtDRiyZntNYyqcWJM6E3Pp2ixYqH1IJUN41nm1/IMG_8580_2.jpeg"><img alt="Img_8580_2" height="374" src="http://posterous.com/getfile/files.posterous.com/manateemoves/y3X5XrsPdI5gj3Qu48DQlaZqOMS5s6QcEJDgLvDX7SAhijxUCfgNg5evk18K/IMG_8580_2.jpeg.scaled.500.jpg" width="500" /></a> <img alt="Img_8581_2" height="640" src="http://posterous.com/getfile/files.posterous.com/manateemoves/GhS2TFzDvNjxjA3XZHvgnpKzwoTRekRa7sMaHRhrqBzyFcbRcs3VZ7BMQOeq/IMG_8581_2.jpeg" width="479" /> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/Us3Oi41RUFXVuGmfUkT5HGQKMxMWDXqYG154l5VYAShfXT2WexO2EE3U4i40/IMG_8582_2.jpeg"><img alt="Img_8582_2" height="374" src="http://posterous.com/getfile/files.posterous.com/manateemoves/caqN1us9jr4q0w6CFLI7SV6sv7g4WHV79X3pCjCX37tscOPmDdEamA0RpZTX/IMG_8582_2.jpeg.scaled.500.jpg" width="500" /></a> <div class='p_see_full_gallery'><a href="http://manateemoves.posterous.com/sweet-condo-on-the-river-just-came-active-boa">See the full gallery on Posterous</a></div> </div> </p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sweet-condo-on-the-river-just-came-active-boa">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5930393587295841481?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-91054509696331784832011-05-24T10:51:00.001-07:002011-05-24T10:51:15.266-07:00Short Sale Approved in less than 24 hours!<div class='posterous_autopost'><p style="TEXT-ALIGN: center; MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: italic; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Submitted the contract and approved in less than 24 hours!</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span></p> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Most everyone who has considered buying a short sale thinks that there is nothing "short" about a short sale. This is not </span><span style="BACKGROUND-COLOR: #ffff00; FONT-STYLE: italic; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">always </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">the case!</span> <p style="TEXT-ALIGN: center;"><img src="https://lh4.googleusercontent.com/1UXUaGCqLpExcYTwa8PDcE_bFmtwONCW40YsQNMQBC-s2lgUnyEESiyRg81kEQkiv9ihimh0XKITilIU2woE4_c9y8l5OvK-wwkWbRgaK16aO6IdN-Y" height="166" width="250" /></p> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Time frames for a short sale offer to be approved typically are measured in months not days. This was my fastest approval for my career. The offer was executed on Saturday, and submitted in over the weekend. By 5 pm on Monday, we had a written approval from Wells Fargo for the short sale to close within 30 days. </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Wells Fargo home mortgage company has never worked this fast before! A lot of the credit has to go to the sellers who had applied for HAFA benefits well before the offer was submitted. They were approved for HAFA, and in fact are getting a moving credit too. </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">If you know someone that needs help with a home that has a mortgage for more than it's value, then a short sale should be seriously considered as an alternative to foreclosure. </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">I have noticed a big drop in the active inventory of short sales here in the Sarasota and Bradenton Real Estate market. I am hopeful that this is a sign of how things will go now that the major lenders like wells fargo, bank of america, chase, and fannie/freddie have the systems in place to get through all the files.</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Also, with the recent slow down in listing inventory, I think that the stacks of files that have clogged the system will diminish.</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">If you need help from a short sale expert here in Manatee and Sarasota county, make sure to give me a call. Joe Murphy, Short sale expert for Sarasota / Bradenton.</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span> <p style="TEXT-ALIGN: center;"><img src="https://lh3.googleusercontent.com/PJSemEh_PJ7q0pUl_M25Ubn5VoJbONLh6c66ANJQBsfTkpcY9m6dzcsqTmz7TfzEsUKlJQCCruTrXDVpZ521gdRvAuFxU2WS1SrZQgbfkwdi_lSkDbY" height="163" width="131" style="HEIGHT: 185px;" /></p> <p style="TEXT-ALIGN: center;"><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><p /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">COLDWELL BANKER RESIDENTIAL Real Estate</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">11215 SR 70 SUITE #105</span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Bradenton, FL 34202</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">E-mail: <a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">JOSEPH MURPHY, P.A.</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">941-780-3260 cell/text</span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">941-739-9120 fax</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></span><br /> <a href="http://manateemoves.com/"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000099; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: underline;">manateemoves.com</span></a><br /> <a href="http://manateemoves.com/"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000099; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: underline;"></span></a><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><p /></p> <div> </div> <div> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/short-sale-approved-in-less-than-24-hours">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-9105450969633178483?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-87934529495092448842011-04-12T10:04:00.001-07:002011-04-12T10:04:22.585-07:00Just Listed! Short sale Updated- 1 bed 1 bath Near MCC condo 5400 26th St West J150<div class='posterous_autopost'><div>Just Listed! Awesome investment opportunity in West Bradenton. Walking distance to MCC/ Florida State College. Owners paid 99,000 for the condo, and now comparable sales are less than 1/3 those prices.</div> <div> </div> <div>Updated with a new, complete A/C system. The condo has a great location in Bradenton, low monthly fees ($178 a month), two pools, and a nice feel with plenty of mature shady oaks. This is an end unit top floor. Not big, but nice and quiet tucked away in the corner of the development. It has a nice screened lanai too. The bathroom has just had new tile installed. All Major appliances included even a stack able washer and dryer.</div> <div> </div> <div>If you, or someone you know is interested in a great starter home, or a place near MCC this is a must see. It is a single mortgage short sale with an attorney representing the sellers. Experienced short sale team is in place</div> <div><br />Call me today if you would like to see this great Bradenton, FL condo.</div> <div> </div> <div>Joe Murphy, Coldwell Banker</div> <div>941-780-3260</div> <div> </div> <div>Real Estate Expert for Manatee and Sarasota Counties<br /></div> <div class="gmail_quote"><br /> <div style=""> <div><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/6fDjtkMrxbkKUanAVWEshAwfsqstzvNodiFfzt04dgWKLgUEtr2xQIiPWIuD/269R9086.jpeg"><img alt="269r9086" height="334" src="http://posterous.com/getfile/files.posterous.com/manateemoves/6XUlhGH7nVW63mNLTRJHYJZCxJVBmTnnZHYXZ21EnQaoQVtzvrrPqEZFfvho/269R9086.jpeg.scaled.500.jpg" width="500" /></a> </div> <p /> <div style="MARGIN: 0px;">269R9086</div> <p style="MARGIN: 0px;"><span> </span><br /></p> <div style="MARGIN: 0px;"><br /><div class='p_embed p_image_embed'> <a 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<p /></div></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/just-listed-short-sale-updated-1-bed-1-bath-n">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8793452949509244884?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com2tag:blogger.com,1999:blog-37263107.post-45212608642912760922011-04-01T13:02:00.001-07:002011-04-01T13:02:13.321-07:00Just born this week! Baby sandhill cranes out<div class='posterous_autopost'>Outside our office this afternoon two new additions! Nothing could be more adorable then these baby sandhill cranes<p><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/l7dwxZ7r3q3nPMtkbGtpYBIx2LSIV7c6gg7ZGKj1AJncgdFBmgcnJTcT4dST/photo.jpg.scaled.1000.jpg"><img alt="Photo" height="373" src="http://posterous.com/getfile/files.posterous.com/manateemoves/3hIuT8jdWi6ZfKdoPcZ6SQ9k6p38JSLcSJ8Ksj7AVwELn9HSMcwIAkfHtCEz/photo.jpg.scaled.500.jpg" width="500" /></a> </div> </p><p>Thanks, <p /> Joseph C Murphy, P.A. <p /> Broker-Associate <p /> Coldwell Banker Residential RE <br />11215 S.R. 70 East Suite 105 <br />Lakewood Ranch, FL 34202 <p /> 941-780-3260 cell/text <br />941-739-9120 fax <br /><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a> <br />Manateemoves.com <p /> Sent from my iPhone</p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/just-born-this-week-baby-sandhill-cranes-out">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4521260864291276092?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-4066040129657029872011-03-30T23:01:00.003-07:002011-03-30T23:01:34.280-07:00Animoto - Parrish home for sale<div class='posterous_autopost'><div class="posterous_bookmarklet_entry"> <blockquote><div> <h3>Parrish home for sale</h3> <div> <ul> <li> <a title="Share on Facebook" target="_blank"></a></li> <li><a href="http://twitter.com/share?url=http%3A%2F%2Fanimoto.com%2Fs%2Fwet0LiBrYQmp2QkUTVZZQA&text=Just+saw+a+video+on+Animoto+called+%22Parrish+home+for+sale%22&related=animoto" title="Post to Twitter" target="_blank"> </a></li> <li> <a href="http://animoto.com/play/wet0LiBrYQmp2QkUTVZZQA#"></a> </li> </ul> <div> <div style=""> <div> <h3>Flash Player Required</h3> <p> Unfortunately we couldn't load the video player as it requires a more recent version of the Adobe Flash Player installed. Please <a href="http://www.adobe.com/go/getflashplayer">download the latest version</a> and reload this page. </p> <p> <a href="http://www.adobe.com/go/getflashplayer"> <img src="http://www.adobe.com/macromedia/style_guide/images/160x41_Get_Flash_Player.jpg" alt="Get Adobe Flash player" /></a></p><a href="http://www.adobe.com/go/getflashplayer"><p> </p></a> <p></p> </div> </div> </div> </div> <p> </p><p> </p> <div> <h3>Leave a comment</h3> <p> </p></div> </div></blockquote><div class="posterous_quote_citation">via <a href="http://animoto.com/play/wet0LiBrYQmp2QkUTVZZQA">animoto.com</a></div> <p></p></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/animoto-parrish-home-for-sale-0">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-406604012965702987?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-66235193044266631882011-03-30T23:01:00.001-07:002011-03-30T23:01:27.101-07:00Animoto - Parrish home for sale<div class='posterous_autopost'><div class="posterous_bookmarklet_entry"> <blockquote><div> <h3>Parrish home for sale</h3> <div> <ul> <li> <a title="Share on Facebook" target="_blank"></a></li> <li><a href="http://twitter.com/share?url=http%3A%2F%2Fanimoto.com%2Fs%2Fwet0LiBrYQmp2QkUTVZZQA&text=Just+saw+a+video+on+Animoto+called+%22Parrish+home+for+sale%22&related=animoto" title="Post to Twitter" target="_blank"> </a></li> <li> <a href="http://animoto.com/play/wet0LiBrYQmp2QkUTVZZQA#"></a> </li> </ul> <div> <div style=""> <div> <h3>Flash Player Required</h3> <p> Unfortunately we couldn't load the video player as it requires a more recent version of the Adobe Flash Player installed. Please <a href="http://www.adobe.com/go/getflashplayer">download the latest version</a> and reload this page. </p> <p> <a href="http://www.adobe.com/go/getflashplayer"> <img src="http://www.adobe.com/macromedia/style_guide/images/160x41_Get_Flash_Player.jpg" alt="Get Adobe Flash player" /></a></p><a href="http://www.adobe.com/go/getflashplayer"><p> </p></a> <p></p> </div> </div> </div> </div> <p> </p><p> </p> <div> <h3>Leave a comment</h3> <p> </p></div> </div></blockquote><div class="posterous_quote_citation">via <a href="http://animoto.com/play/wet0LiBrYQmp2QkUTVZZQA">animoto.com</a></div> <p></p></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/animoto-parrish-home-for-sale">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-6623519304426663188?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-81173578452726150142011-03-29T22:06:00.001-07:002011-03-29T22:06:39.697-07:00HAFA info<div class='posterous_autopost'>Short sales are now one of the largest segments of homes for sale in Manatee County. Although the amount of listings has begun to diminish I get questioned on the HAFA program daily. <p /><div>I located a good resource guide throughout <a href="http://www.realtor.org/wps/wcm/connect/8ed80b00412373d29bb6bb08069f8e0c/HAFA+Brochure+Text+1.25.10.pdf?MOD=AJPERES&CACHEID=8ed80b00412373d29bb6bb08069f8e0c">REALTOR.COM web site</a></div> <p /><p /><div>This gives a step-by-step to the HAMP and HAFA programs. I would hope to believe that the improvement in the short sale home real estate market has improved because of the improvements to the short sale process.</div> <p /><div>If you need help understanding if a Short Sale is right for you, I would be happy to meet with you to go over the process. It's good to know your options.</div><p /><div>Joe Murphy, Real Estate Agent for Bradenton and Sarasota</div> <p /><div>Coldwell Banker</div><p /><p /><div><br /><p /><div><br /><div> <p /> <a href="http://content.screencast.com/users/joemurphy/folders/Jing/media/ef708e54-8acf-40c2-aeeb-252e716b266d/00000046.png"><img class="embeddedObject" src="http://content.screencast.com/users/joemurphy/folders/Jing/media/ef708e54-8acf-40c2-aeeb-252e716b266d/00000046.png" border="0" height="138" width="103" /></a> <br /><a href="http://screencast.com/t/SMnizWHQa">View on screencast.com »</a></div><div>Joseph C Murphy, P.A., Broker-Associate</div> <div><a href="http://goog_886937328" target="_blank">Coldwell Banker Residential Real Estate</a></div><div><a href="http://goog_886937328" target="_blank">11215 State Road 70 Unit 105</a></div><div>Lakewood Ranch, FL 34202</div> <div>941-780-3260 cell/text</div><div>941-739-6777 office</div><div>941-739-9120 fax</div><div><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div> <p /></div><br /> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/hafa-info">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8117357845272615014?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-17462937062588337902011-03-28T10:46:00.001-07:002011-03-28T10:46:18.348-07:00short sales on the decline in Manatee County<div class='posterous_autopost'><div>Short Sale inventory has been decreasing at the same time that sales are picking up. Short sale homes and condos for sale in Bradenton have taken a noticable drop this past month, with 858 total short sales listings in all of Manatee county. 244 short sale homes and condos went pending last month as well. That is the highest amount of pending short sales ever for Manatee County.</div> <div> </div> <div>Combine the decrease of short sale listings with the spike in pending sales, is a strong indicator that the market might have hit it's low. Prices for homes in bradenton/sarasota have been falling since their peaks in 2006. Many homes are selling for less than half of their "peak" values.</div> <div>Also, with now over 5 years of falling prices and the economy improving, home owners that have been challenged have seen the worst, and now can either afford to keep their homes, or have already lost their home as a short sale, foreclosure, or deed in lieu.</div> <div> </div> <div>If you are considering buying a home in Bradenton or Sarasota my advice is to start looking today. Inventory controls price better than any other factor. less inventory will lead to price stability, and eventually a recovery.</div> <div> </div> <div>Need help from a full time short sale expert in Manatee county? Call Joe Murphy Today for all your real estate needs. Short Sale expert for Sarasota and Bradenton.</div> <div> </div> <div> </div> <div><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/hYuDM0oAEwwYzYnckdsi9XBHeTF1Fp6rG9Uw4G39cyWVBTpl25il5h3X5rWl/short_sales_in_manatee.png.scaled.1000.jpg"><img alt="Short_sales_in_manatee" height="417" src="http://posterous.com/getfile/files.posterous.com/manateemoves/gmwPOIqqlaZOi442dSvJpZwxB0kuMdqSFyIH0UZBCVwof0FnG48CPNh4FqiC/short_sales_in_manatee.png.scaled.500.jpg" width="500" /></a> </div> <br /></div> <p /> <div><br /> <p /> <div>Joseph C Murphy, P.A., Broker-Associate</div> <div><a href="http://goog_886937328/" target="_blank">Coldwell Banker Residential Real Estate</a></div> <div><a href="http://goog_886937328/" target="_blank">11215 State Road 70 Unit 105</a></div> <div>Lakewood Ranch, FL 34202</div> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <div><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div> <p /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/short-sales-on-the-decline-in-manatee-county">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-1746293706258833790?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-53258622518772363782011-03-22T20:14:00.001-07:002011-03-22T20:14:38.573-07:003316 63RD E ST Palmetto, FL- 149k 3/2/2 1823sqft pool '03 Short Sale<div class='posterous_autopost'><div style="TEXT-ALIGN: center;"><strong><em>Just listed in the Arbour Creek neighbrohood in Palmetto, FL. </em></strong></div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;"> </div> <p style="TEXT-ALIGN: center;"><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/WpeTkUR76rdbezpprsBpBOXvhcNIGqRH7TdJmlhB5SBDqE3xfpkCQadWZxK4/IMG_3677.jpg.scaled.1000.jpg"><img alt="Img_3677" height="333" src="http://posterous.com/getfile/files.posterous.com/manateemoves/wBIb56K0Z3tBXrXAQ73HEWt9HADnvIiG4yoA9QJKPQZDtdAF8MwojALWqoY8/IMG_3677.jpg.scaled.500.jpg" width="500" /></a> </div> </p> <div style="TEXT-ALIGN: center;">3316 63rd East Street <br />Palmetto, FL 34221</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">149,000</div> <div style="TEXT-ALIGN: center;">M5819997 -- MLS number</div> <div style="TEXT-ALIGN: center;">Short Sale</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">3 bedrooms 2 baths 2 car garage</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;"><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/Ca6vK64mRG5yJOhxxagfYGMykB7neJ6jkXAjq8TPqMXQ0MdicDLsRkOdEHgS/IMG_3693.jpg.scaled.1000.jpg"><img alt="Img_3693" height="333" src="http://posterous.com/getfile/files.posterous.com/manateemoves/0VDRrsC0rFaebryWwuoWX3eCSLHP19ScwG88pBxYcyNVaLrXKedJrLVGYnw7/IMG_3693.jpg.scaled.500.jpg" width="500" /></a> </div> </div> <div style="TEXT-ALIGN: center;">Caged pool </div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;"><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/R3BH7YTG5mS08rUMOWdptDoGacyHrnfhjyBSnWx3SxmXRYaVkuJeMece8ymh/IMG_3687.jpg.scaled.1000.jpg"><img alt="Img_3687" height="333" src="http://posterous.com/getfile/files.posterous.com/manateemoves/fyNcBxf1UMNmB8DBiqiHzT5gXTOwcCDlv30St5DxHypaFBeJ2bqeMUPvB95b/IMG_3687.jpg.scaled.500.jpg" width="500" /></a> </div> </div> <div style="TEXT-ALIGN: center;">Large Patio</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;"><div class='p_embed p_image_embed'> <a href="http://posterous.com/getfile/files.posterous.com/manateemoves/DcfllMHdFONVo9HmFlMdCCQUqpx7CantILGS7GHxYgNn02DDPZb8iR20JYA7/IMG_3698.jpg.scaled.1000.jpg"><img alt="Img_3698" height="333" src="http://posterous.com/getfile/files.posterous.com/manateemoves/M8PkUccclwHi6SG45fbUvyN7xIGudq9E7Tb5SbFhEhevkmNGoF8aErA2qzoe/IMG_3698.jpg.scaled.500.jpg" width="500" /></a> </div> </div> <div style="TEXT-ALIGN: center;">Very good overall condition (the pool is a little green)</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">One lender short sale</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">Experienced Short Sale negotiator assisting with sale</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">Come and see this great short sale home for sale in Palmetto, FL. Nice open floor plan with a large screened lanai for enjoying the pool area. Low cost HOA fees, No-Cdd fees, Low taxes</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">Call Joe Murphy with Coldwell Banker</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;">Short Sale expert for Manatee county</div> <div style="TEXT-ALIGN: center;"> </div> <div style="TEXT-ALIGN: center;"><div style="width:800px;height:600px;padding:0px;"><iframe title="3316 63RD E ST, PALMETTO" src="http://tour.previsite.com/F5937EB7-F318-664F-64C5-B7ED2CC9AFDF&s=800x600" frameborder="0" height="600" width="800"></iframe></div></div> <div style="TEXT-ALIGN: center;"><br />Thanks,</div> <p /> <p /> <p /> <div style="TEXT-ALIGN: center;">Joseph C Murphy, P.A., Broker-Associate</div> <div style="TEXT-ALIGN: center;"><a href="http://goog_886937328/" target="_blank">Coldwell Banker Residential Real Estate</a></div> <div style="TEXT-ALIGN: center;"><a href="http://goog_886937328/" target="_blank">11215 State Road 70 Unit 105</a></div> <div style="TEXT-ALIGN: center;">Lakewood Ranch, FL 34202</div> <div style="TEXT-ALIGN: center;">941-780-3260 cell/text</div> <div style="TEXT-ALIGN: center;">941-739-6777 office</div> <div style="TEXT-ALIGN: center;">941-739-9120 fax</div> <div style="TEXT-ALIGN: center;"><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <div style="TEXT-ALIGN: center;"><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/3316-63rd-e-st-palmetto-fl-149k-322-1823sqft">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5325862251877236378?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-68527923117829169962011-03-18T22:16:00.001-07:002011-03-18T22:16:25.676-07:00principle reductions can happen!<div class='posterous_autopost'><p>It finally happened! One of my short sale customers was able to settle a mortgage for about 1/3 of the balance! </p> <p>Almost every person that is upside down on their home, has thought, "Why not have the bank reduce the principle balance to what the home is worth, and let me keep my home from foreclosure?" </p> <p>As a short sale agent in Bradenton with plenty of experience most sellers would be able to afford to keep the home if their mortgage payment was reduced to what the new buyer will pay. Really, principle reduction is every underwater homenowner's wish. </p> <p>The bank did their BPO, and about two weeks later they offered a cash settlement for the mortgage. My seller owed over 80,000 on the home, and she was offered a buyout for 28,000. She was able to borrow from family, and payoff her mortgage on her home, and the bank was able to settle an account that had they agreed with the short sale, they would have netted about the same money. (The values of homes in Manatee county have really dropped by up to half the cost or less of the 2006 peak)</p> <p>She can now live in a home that she has owned for 25 years, and is comfortable. This was a GMAC loan, which I have to say has one of the best short sale departments I have dealt with.</p> <p>Is this a sign of things to come? For my seller it was a great day. Principle reduction of her mortgage eliminated her mortgage payment, and with her limited income she could afford to stay paying taxes and insurance. </p> <p>This is one less home that became a rental property. One less low priced, distress selling price, one happy homeowner. </p> <p>My hope is that lenders start considering real principle reductions. It's hard to see someone sell their family's home that they paid 400,000 in 2005, and now they have it short sale, or foreclose. The new owner buys the home for 200,000. The former owner could have afforded a payment that was half their original. </p> <p>I guess this is something that they avoid, since if they will do it for one, why not everyone? At least I have seen it happen once. What is amazing is that the bank offered this to the owner and she had not asked for the principle reduction.</p> <p>The 28,000 they received as a settlement in the mortgage principle reduction would have been close to what they would have received in a short sale, and perhaps even less had the home foreclosed. Perhaps principle reduction for homeowners underwater will become more common with the major lenders. Bank of America, Wells Fargo, and Chase could benefit from following what GMAC did in this case.</p> <br /> <div><br /> <p /> <div>Joseph C Murphy, P.A., Broker-Associate</div> <div><a href="http://goog_886937328/" target="_blank">Coldwell Banker Residential Real Estate</a></div> <div><a href="http://goog_886937328/" target="_blank">11215 State Road 70 Unit 105</a></div> <div>Lakewood Ranch, FL 34202</div> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <div><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div> <p /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/principle-reductions-can-happen">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-6852792311782916996?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-70019038216366088042011-02-28T23:21:00.001-08:002011-02-28T23:21:47.221-08:00great buy on a Waterlefe pool home for sale 1900 sqft for 210,000 and other investment properties<div class='posterous_autopost'><div>Noteworthy home for sale in waterlefe golf and river club. Just dropped to a below market price!</div><p /><div><img src="http://mls-photos-cdn.diversesolutions.com/372/a3930012/0-medium.jpg" /></div> <p /><div><b>9814 Discovery Terrace</b> </div><p /><div><b>Waterlefe Golf and Country Club</b></div><p /><div>3bedroom 2 bath 2 car 1,969 sqft pool</div><div>This home has been on the market for a while, and the owners have just reduced the home 30,000 this weekend. At 210,000 This will be the lowest priced "classic" home in waterlefe. </div> <p /><div>In fact, this is priced <b>30,000 LESS</b> than the original owner paid in 2001 new from the builder. Truly 2000 pricing. </div><p /><div>The home is a bit plain inside, and the kitchen could use granite, maybe brick pavers on the lanai, but very livable condition, and in this price range it has no competition in waterlefe, or comparable bradenton neighborhoods like Heritage Harbour, River strand, or Greenfield Plantation. </div> <p /><div>The home across the street is Pending 369,000. 400 sqft bigger, former model, and with a great view</div><p /><p /><a href="http://www.manateemoves.com/home-searc/#PropertyID=33334737">http://www.manateemoves.com</a><a href="http://www.manateemoves.com/home-searc/#PropertyID=33334737">/home-searc/#PropertyID=33334737</a><p /><p /><div><a href="http://www.manateemoves.com/home-searc/#PropertyID=33334737"></a>This one, next door, shows better, and has a den, about the same size and view. For 349,900.</div><p /><div> <br /><a href="http://www.manateemoves.com/home-searc/#PropertyID=30933043"></a><a href="http://www.manateemoves.com/home-searc/#PropertyID=30933043">http://www.manateemoves.com/home-searc/#PropertyID=30933043</a></div><p /><div><a href="http://www.manateemoves.com/home-searc/#PropertyID=30933043"></a>I expect this home to sell quickly now that the owners have it priced very aggressively. This is the little house on the block for sure, and I think has a ton of upside with a little investment. A great home, vacation property, or even a rental home.</div> <p /><div>If you are interested follow the links for more info on my web site, <a href="http://manateeemoves.com">manateeemoves.com</a> </div><p /><div style="text-align: center;"><b>OTHER GREAT DEALS THAT ARE NOTEWORTHY</b></div> <p /><div>There are a lot of great deals out there for straight investment. Buying rental homes makes a lot of sense if they can produce a profit. The rental market is very brisk, and there is a huge demand for quality rental properties. With the huge amount of people losing their homes the demand for rentals has never been stronger. </div> <p /><div>I have a condo at Bayshore on the Lake for<b><i> 29,000</i></b> 2 bedrooms 1 bath updated too. Less than the cost of most cars, and they rent for 600-800 a month. <i>These were selling for 100,000 plus a few years ago!</i></div> <p /><div><img title="269R9263" class="alignleft post-image" src="http://www.manateemoves.com/wp-content/uploads/269R9263-150x150.jpg" height="150" alt="269R9263" width="150" /></div><p /><div><a href="http://www.manateemoves.com/property-bedrooms/35k-bayshore-on-the-lake-updated-condo/">http://www.manateemoves.com/property-bedrooms/35k-bayshore-on-the-lake-updated-condo/</a></div> <p /><p /><div><b>3040 Irving Street </b>in Sarasota is a great buy for <b>85,000</b>. It's an approved short sale, and its pretty big over 2000 sqft. Has a new metal roof, big fenced yard, quiet street, and travertine floors in the kitchen too! Need some TLC and imagination, but what a great location, and low APPROVED SHORT SALE $$.</div> <p /><p /><div><img title="3040 Irving Street Sarasota, FL" class="alignleft post-image" src="http://www.manateemoves.com/wp-content/uploads/IMG_1065-150x150.jpg" height="150" alt="3040 Irving Street Sarasota, FL" width="150" /></div> <div><a href="http://www.manateemoves.com/property-bedrooms/great-location-in-central-sarasota/">89k-3040 Irving Street Sarasota</a></div><p /><p /><div><b>312 Heritage Isles Way</b>. An awesome water and golf course view from the heated pool and spa. Located in Stoneybrook. This is a great choice if you don't need a full golf membership, and can save the 3,500 annual fees. Just reduced it again now it's <b>239,000</b> A very good price given the view. This is not a short sale.</div> <p /><p /><div> <img title="IMG_0858" class="alignleft post-image" src="http://www.manateemoves.com/wp-content/uploads/IMG_08581-150x150.jpg" height="150" alt="IMG_0858" width="150" /></div><div><a href="http://www.manateemoves.com/properties/featured-properties/312-heritage-isles-way/">249k-Heritage Harbour pool home</a></div> <p /><div>Please feel free to forward any of these deals on to your friends, and feel free to call or email me if you would like more info or to schedule to see any of these homes.</div><p /><div>941-780-3260</div> <p /><div>Joe Murphy, Realtor</div><p /><div>Coldwell Banker Residential Real Estate</div><p /><p /><p /><p /><div><img src="http://cdn2.diverse-cdn.com/idx-v2/assets-images/beast/markers-3/marker-small-house-yellow.png/4a402d" style="" /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/great-buy-on-a-waterlefe-pool-home-for-sale-1">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7001903821636608804?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-57027915609093533002011-02-15T08:38:00.001-08:002011-02-15T08:38:47.818-08:00January 2011 market update report for Manatee County homes for sale<div class='posterous_autopost'><div>The Manatee Real Estate market was moving despite our frigid temperatures. The homes for sale in Bradenton showed signs of stability, and with the extreme cold that our northern neighbors having experienced I would predict a strong, and busy spring here in Manatee County's real estate market.</div> <div> </div> <div>There has been a big spike in the amount of Pending sales for homes for sale in Manatee County. Up from 544 pending in December to 732 pending for homes for sale in January 2011. That's a pretty big jump in offers written.</div> <div>Need help buying or selling real estate in Bradenton or Sarasota? Give Joe Murphy a call real estate expert for Manatee county homes for sale</div> <div><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/nzAKbDGvgiapqpxnoaelE90V6mgtEqXXHxXqSK0ZwWyWuFMxiffS4FS82jlc/market_trend_report_for_jan_20.png'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/mplNQpYrXJLmsYupMBo1UBo3gwgbpIIqgNn5V9c9GjYTg7Rabhlv0p2zsRKB/market_trend_report_for_jan_20.png.scaled.500.jpg" width="500" height="403"/></a> <br />Thanks,</div> <p /> <div><br /> <p /> <div>Joseph C Murphy, P.A., Broker-Associate</div> <div><a href="http://goog_886937328/" target="_blank">Coldwell Banker Residential Real Estate</a></div> <div><a href="http://goog_886937328/" target="_blank">11215 State Road 70 Unit 105</a></div> <div>Lakewood Ranch, FL 34202</div> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <div><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div> <p /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/january-2011-market-update-report-for-manatee">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5702791560909353300?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-55805287852472884342011-02-11T21:39:00.001-08:002011-02-11T21:39:59.195-08:00609 Sand Crane Court Waterlefe Golf and River Club home for sale<div class='posterous_autopost'><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 14pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">609 Sand Crane Court </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 14pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Bradenton, FL 34212</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"></span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: italic; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Waterlefe Golf And River Club</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"></span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Short Sale</span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">465,000</span> <ul> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">4 bedroom 3 bath den, 3 car garage, pool</span></li> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">2990 sqft</span></li> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Excellent condition, and upgrades</span></li> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Brick pavers driveway and pool deck</span></li> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Gourmet Summer Kitchen</span></li> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">Designer Touches-lighting,window treatments</span></li> <li style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: bold; TEXT-DECORATION: none;">MLS #M5819520</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span></li> </ul><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Just listed this Short Sale in </span><a href="http://www.manateemoves.com/property-location/609-sand-crane-ct-waterlefe-golf-and-river-club/"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000099; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: underline;">Waterlefe Golf and River Club </span></a><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">in Bradenton FL. A great place to live in Bradenton, FL, Waterlefe Golf and River Club has many great homes for sale and this home is worth a look. Call me, </span><a href="http://www.manateemoves.com/about-2/realtor/"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000099; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: underline;">Joe Murphy</span></a><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">, with Coldwell Banker Residential Real Estate in Bradenton, FL. 941-780-3260</span><img src="https://lh3.googleusercontent.com/q67BGAvq5DdsRTd0OjUurPMozGmBmZnIZtYFgX1hd4CguPK5l6e8YINK2vTTCm_pahva3hVAUptOtqBmTn3Oz2oIC60wU0roiUBdLltYpRAkV9kgoKw" height="427" /><img src="https://lh4.googleusercontent.com/_adPpM6RUYWt0zb3Giy2hmr-KX_GF5TAspacoq5sc0e2xh5XuaTLq36pm4-vR5v3unEVmsPCv1-Jo5xS4s_uRw-J1Vbdxlv5_5IfNaa2y-YUNRI32Fc" height="427" /><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Short sale- A beautiful and well maintained home in one of the areas best neighborhoods! This home has a private dining room and private living room. </span><img src="https://lh3.googleusercontent.com/QtFBnInChJP0mr6d8W3SXP4VpWV49ov7kmVnMwbkK4OH5JZWukcarrgAc3xIaxL0cvSUWxv_NU46JDvad53NaUat1cm4MOMRhwL8unHKlSonNJzKdio" height="427" /><img src="https://lh4.googleusercontent.com/z_ioPV3vOI1C6aanXCQdHGUnoLxt6OoBU2W9HtO6ztPzt_dQnGlZvhZX_QG9ZLDN2vvoxahZZ2vMbZNZAkWScB2Uyh02R479-DJLDPLHtBy5xd2Uya0" height="427" /><img src="https://lh6.googleusercontent.com/ep9v0dciQyquijCVamNzZANdgBLRccAGDAQ1qt2ddmNO6PUsjq5K53AjrEHRb5zP3S7FI4BijqaLIm-wKHLLzYMyfVEWWsaI2WSHCVbBtYu7ymxoPHY" height="427" /><img src="https://lh4.googleusercontent.com/90EKBq7awB7talClQFWAzg6lZ8y9YnShA--TjZNhpMkM9QE2la00ln7jmYTNOROngFuA_L17p0qZX3vhWpnFrmO_WN6V4roGN89_zaCm_-apYN7T-Vo" height="427" /><img src="https://lh6.googleusercontent.com/fxoNku1Os9MAl7uQ5ZuJScZYMxpJydL3C1aRaEmZ62_5B7oCKBCzBWZcbHRmNrFnk_SKXXorU69BKO1oo790Moo__ZTX-06vYhbi7KGlWnRnv_Lfx3Q" height="427" /><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Please NOTE-- This home is exempt from the CDD debt service portion. This will save you over 1800 a year compared to most similar homes in </span><a href="http://www.manateemoves.com/property-location/609-sand-crane-ct-waterlefe-golf-and-river-club/"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000099; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: underline;">Waterlefe GOlf and River Club </span></a><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Boat dock available for purchase</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">If you are looking for a home for sale in Waterlefe Golf and River Club than make sure to look at this home for sale. A great bargain in Bradenton, FL</span><br /> <span style="BACKGROUND-COLOR: #e0e0e0; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Interior Information</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Living Room:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 16x14 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Master Br.:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 20x14 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">5th Bedroom:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Great Room:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #00008b; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Study / Den:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Family Room:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 24x16 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">2nd Bedroom:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 11x12 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Studio:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Air Conditioning:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Central </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Kitchen:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 15x20 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">3rd Bedroom:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 10x12 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Dining Room:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 14x12 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">4th Bedroom:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 11x12 </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Heat & Fuel:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Central,Fuel - Gas Natural</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Floor Covering:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Ceramic Tile,Carpet</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> -</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Utilities Data:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> BB/HS Internet Avail,Cable Available,Cable Connected,Electric,Public Municipal Water,Public Sewer,Gas,Underground </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Interior Layout:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Formal Living Room Separate,Formal Dining Room Separate,Kitchen/Family Room Combo,Mstr Bedroom Downstairs,Split Bedroom,Open Plan, Volume Ceilings </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Interior </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Features:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Ceiling Fan(s),Blinds/Sh,Central Vac,Crown Moulding,InWall Pest Sys,Walk In Closet, Wndw Treatment </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Master Bath:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Dual Sinks, Garden Bath, Tub with Separate Shower Stall </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Appliances Incl:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Dishwasher,Disposal,Dryer,Microwave,Range,Oven,Range Hood,Refrigerator,Washer,Gas Appliances </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Kitchen:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Breakfast Bar,Walk In Pantry </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Additional Rooms:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Ext. Construction:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Block,Stucco </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Style:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Spanish,Ranch </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Pool:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Gunite/Concrete,Heated Pool,In Ground,Auto Cleaner,Screen Enclosure </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Exterior Features:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Mature Landscaping,Outdoor Kitchen,Outdoor Lights,Patio/Porch Covered,Patio/Porch Screened,Sliding Doors, Trees/Landscaped </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Garage/Carport:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 3 Car Garage,Attached,Door Opener,Drive Space,Side Rear Entry</span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Roof:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Tile </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Community Features:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Comm Htd Pool, Deed Restr, Dock, Fishing Pier, Fitness, Gated Comm, Golf Comm, Park, Playground, Security, Water Access Cable, Rec Faclty, Other </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Elementary School:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Freedom Elementary </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Middle School:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Carlos E. Haile Middle </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">High School:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Braden River High </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><br /><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"></span><span style="BACKGROUND-COLOR: #e0e0e0; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">M5819520</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: #e0e0e0; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">609 SAND CRANE CT, BRADENTON</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Sub. Name:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> WATERLEFE GOLF & RIVER CLUB UNIT 1 $</span><a href="http://mfr.mlxchange.com/Default.asp#03"><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000099; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: underline;">465,000</span></a><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Short Sale </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Total Acreage:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 1/4 Acre to 1/2 Acre 9 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Virtual Tour: http:<a href="http://tour.previsite.com/mls/0358/m5819520.html">tour.previsite.com/mls/0358/m5819520.html</a></span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: #e0e0e0; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Land, Site and Tax Information</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">SE/TP/RG:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 19-34-19 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Subdivision #:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 546000 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Block/Parcel:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 1 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Front Exposure:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> West </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Alt.Key/Folio#:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Additional Parcel:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> N </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Mill Rate:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 16.11540000000000 $6,362.00 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Tax Year:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 2010 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Homestead:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Y </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Other Exemptions:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> N </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">CDD:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> N </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Annual CDD Fee:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Legal Description:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> LOT 20 BLK 1 WATERLEFE GOLF & RIVER CLUB UNIT 1 PI#5460.0300/9 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Complex/Community Name:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Book/Page:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 0035/0039 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Zoning:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> A1/CH </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Future Land Use:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 0100 </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Zoning Comp.:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> Y </span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Lot Dimensions:</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Lot Size(Acres):</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 0.32 </span><br /> <span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000080; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;">Lot Size(SqFt):</span><span style="BACKGROUND-COLOR: transparent; FONT-STYLE: normal; FONT-FAMILY: Arial; COLOR: #000000; FONT-SIZE: 11pt; VERTICAL-ALIGN: baseline; FONT-WEIGHT: normal; TEXT-DECORATION: none;"> 14,135 </span><br /> Thanks, <p /> <div><br /> <p /> <div>Joseph C Murphy, P.A., Broker-Associate</div> <div><a href="http://goog_886937328/" target="_blank">Coldwell Banker Residential Real Estate</a></div> <div><a href="http://goog_886937328/" target="_blank">11215 State Road 70 Unit 105</a></div> <div>Lakewood Ranch, FL 34202</div> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <div><a href="mailto:joe@manateemoves.com" target="_blank">joe@manateemoves.com</a></div> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div> <p /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/609-sand-crane-court-waterlefe-golf-and-river">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5580528785247288434?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-48176141936276416732010-12-26T22:49:00.001-08:002010-12-26T22:49:01.322-08:0010 reasons to buy a home for sale in 2011 in Bradenton and Sarasota FL<div class='posterous_autopost'><div class="gmail_quote"><br /> <div style="">2011 is almost here and this is a time to reflect on the past year, and what is to come. The question that most buyers I see in the Sarasota and Bradenton real estate market is the big question.. Is this the time to BUY??? I SAY YES!! </div> <div style=""> </div> <div style="">No one can say when a real estate market has turned until after it has already turned. It is my observation of being an active real estate agent here in Sarasota and Bradenton that it time to buy, now, for most buyers. </div> <p /> <div style="">I think that there are four kind of people that should be really buying now. </div> <p /> <div style=""><span style="FONT-SIZE: 14px;">First time home buyers</span></div> <div style=""><span style="FONT-SIZE: 14px;">Move-up Buyers</span></div> <div style=""><span style="FONT-SIZE: 14px;">Investors</span></div> <div style=""><span style="FONT-SIZE: 14px;">Vacation/second home buyers</span></div> <p /> <div style="">I have had the busiest fall in my 8 year career and fully expect a very active spring for Florida Real Estate. No one has that crystal ball, but it is my opinion that there is 11 really good reasons to buy a home in 2011!</div> <p /> <p /> <div style="">1. LOW INTEREST RATES- Interest rates are at historic low levels. Actually they have been rising in the past 30 days. But, I have closed loans for buyers here in Bradenton with rates ranging from 4.0% to 5.0%. Now, they have risen, with the last buyer locking a a 5.5% rate. The government is giving under market rates to home buyers especially for conforming loans (under 417,000), and FHA programs allow for home buying with as low as 3.5% down. This can't last forever. Lower interest rates gives the buyer more leverage to borrow more money for the same payment. A really good thing! Getting qualified is more challenging, but with good credit, down payment money, and good job security getting a mortgage is fairly simple. </div> <p /> <div style="TEXT-ALIGN: left;">2. 5 YEARS OF HOME PRICE DROPS- The Sarasota and Bradenton Real estate market has lost value for the past 4-5 years. Sarasota and Bradenton had the fastest appreciation during the boom. 2004-2006 where a crazy period with homes doubling in value. Now, I am selling homes in east manatee county, and Lakewood Ranch for prices that were here 10 years ago. A home that was bought for 530,000 in 2006 was just sold for 199,000!! A home in Lakewood Ranch Riverwalk had sold for 385,000 in 2005 and now is appraised for 185,000. These prices are less than half of their original values. </div> <br /> <div style=""> <p /> <p /> <div>3. GOOD SELECTION OF HOMES FOR SALE- Plenty of inventory of good short sales, and foreclosures- There is plenty of good deals out there, with motivated sellers. In our Sarasota and Bradenton real estate market more than 50% of the home sales are short sales, and REO or Bank-owned homes. Owners that are short selling are concerned with getting a buyer that can follow thru on the sale, and will sell at a fair market price, regardless of the prior mortgage balance. This is great for a home buyer because it gets rid of a lot of the haggling and that uncomfortable aspect( for some) of home buying. </div> </div><br /> <div style=""> <p /> <p /> <div>4. YOU OWN A REAL ASSEST- Secure investment, in uncertain times. When you own your own home, with a payment that you can afford, you have a greater stability, and peace of mind. Especially with the volatility with the value of the dollar, stock market, and all time high gold prices. If you own a home, vs a Stock you have a real assets that you can live in, rent out, or sell if you choose. Just like a stock, home prices can adjust. Homes are a commodity vs a product, and therefore are subject to market demand. Jut like owning a commodity like gold or silver, owning a florida home as a second home, investment, or primary home makes sense.</div> <p /> <div>5. DESIRABLE LOCATION- Almost everyone goes to Florida at least once now. Usually it is to go to Disney World, Orlando, or the beaches. Florida has a great climate, and no snow. There is a lot of people that can afford a second home, or the luxury to relocate to a more enjoyable climate like here in Sarasota and Bradenton. The buyers aren't just American, and Canadian buyers either. there is a noticeable increase in the european, and south american buyers recently. I suspect that there are many that are fearful of the further devaluation of the dollar and the stock markets, and are moving into fixed assets like a home in Florida makes a lot more sense.</div> <p /> <div>6. SECURE, CULTURE, LIFESTYLE- Our location offers something for everyone. Here in Sarasota and Bradenton, but true for all Americans is world class security, as compared to other countries. Here you can call 911 and someone will rush to our aid with a bullet proof vest, and a gun ready to defend you, or rush you to a hospital. Shopping, and Culture are great aspects of our area. Whether it is theater, live sports events, concerts, nightlife. The Sarasota/Bradenton area has plenty to keep you entertained. Of course there is the beach, and boating too. I think our greatest assets here in Florida is our sunshine. I appreciate it anytime I have to go up north in the winter.</div> <p /> <div> <div>7. SHORT SALES ARE GETTING FASTER- Short sales have been a major part of my real estate business for the past 3 years, and I can say that in the past 60 days the speed, and efficiency of most lenders has improved dramatically. A short sale decision would typically take 60-100 days for a bank of america short sale. Now, the time frame for response is typically less than 30 days! That's a huge improvement. Some lenders, like Suntrust, are actually getting slower. Selling a home here in Sarasota or Bradenton if you are upside down, and have to move or can't afford your home makes a lot of sense right now. </div> <div>Short sale homes here also have the added benefit of usually being a better condition home than the rough, REO-Bank-owned homes. </div></div> <p /> <div>8. SALES ACTIVITY IS PICKING UP- A lot of people are jumping off the fence and deciding to invest in real estate in Bradenton, and Sarasota FL. The last quarter of 2010 was one of my busiest in 8 years of selling real estate. Sales numbers have been up, inventory has been staying steady with no big surges of homes, and absorption rates are decreasing.</div> <div>In 2008 we had over 35 months of inventory. Tons of sellers, with very few buyers. Now, we have mostly motivated home sellers, short sales, and bank owned homes. Our absorption rate for Manatee county has been averaging around 10-12 months. That means that if no new homes went on the market here in Manatee county, that it would take 10 months to sell ALL the homes active on the real estate market. A balanced market, one that prices are stable, is supposed to be 5-6 months. We are very close to that flat market. The market has to go flat before it can go up!</div> <div>Another sign of the market improving is that multiple bids, and over full priced offers are becoming much more common. In 2010 I had many homes that sold with multiple offers being considered, and 4 homes actually selling for over the listed price. This did not happen very often in 2008-2009. </div> <p /> <div>9. HOME MORTGAGE PAYMENT COULD BE LESS THAN RENT- Rent rates here in Bradenton, Sarasota, and especially east manatee county have been on the rise in the past year. Single family homes that would have rent for 1,600 in 2004 would have rented as low as 800-900 a month, in 2009. Now that same home rents for 1300 a month, and could get probably 1500-1600 a month in 2011. </div> <div>I sold a customer a home in October here in West Bradenton for a little more than 100,000. She had been renting for the past 5 years a home in Bradenton, and that landlord had plans to raise her rent. She closed with a FHA mortgage at 3.9% fixed 30 year mortgage. The total of all her down payment and closing costs where about 12,000. Her total payment including principle interest, taxes, and insurance was only 570 a month!! That just makes sense. If you are planning to stay in the sarasota bradenton area for 3 years or more, buying a single family home could make a lot more sense than renting. If you need to move quicker than 3 years, then renting may make more sense. </div> <p /> <div>10. INVESTMENT REAL ESTATE WORKS- The return on investment (R.O.I.) for investment single family homes, commercial rentals, duplexes, and multi-family are now at a point that they make sense. In the crazy days of the boom buyers were all buying to flip. Rentals would be considered for purchase that had a NEGATIVE R.O.I.!!! A real estate purchase that has no income makes no sense.</div> <div>Fast forward to today, and getting a 6-12% return is easy to accomplish. This is for annual Single family homes in desirable areas. There is a lot of people that are doing strategic defaults, short sales, or gone through foreclosure, and they have been used to living in a HOME, not an apartment, or condo. If you have been used to living in a neighborhood, in a home, that's what you will want to rent. People that are looking for this kind of rental are usually awesome tenants who are looking for a long term, stable rental. </div> <div>Condos are attractive too as some are at almost give away prices. One deal this year on a Sarasota Condo that I sold for 52,000. It was a short sale. The owner had paid over 190,000 for the condo in 2005. The complex had a waiting list for renters of that type of unit. Rental rates are 1000 a month. Buying that for cash, you could get a 500 dollar a month return on that investment after paying taxes, condo fees, and management charges. That means in 11 years the entire investment had paid for itself and you would have a nice income source for long term. Plus, the potential future appreciation too.</div> </div><br /></div><br /> <p><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/jnuKvfkiT25uCL4f0cS8zgs5zy7XTOflFJXwEO143k1exseL0MbyfOZ10qY8/IMG_5256.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/mLdrvqAHRrfSrYl2Hi6yyMdtLy2gJVY9BRLzKdnkfW4MBKGBYHtVDVSlXl2c/IMG_5256.jpeg.scaled.500.jpg" width="500" height="374"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/q5jrYLsyuxDHCtuQVJjSZ8RI4nAEA43n9T8vshBusfjumVMuea18SOSHykjj/IMG_0187.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/HQKUftiNsopeMwhOpabP3FTiOvxh6GD1S24BaIuTzIXB1EBon78BKMcfFooL/IMG_0187.jpeg.scaled.500.jpg" width="500" height="375"/></a> <div><a href='http://manateemoves.posterous.com/10-reasons-to-buy-a-home-for-sale-in-2011-in'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/10-reasons-to-buy-a-home-for-sale-in-2011-in">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4817614193627641673?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com1tag:blogger.com,1999:blog-37263107.post-55776998607295433622010-12-17T21:11:00.001-08:002010-12-17T21:11:11.354-08:00Sarasota Jungle Gardens Holiday Light event- 2010<div class='posterous_autopost'><div><p /><p /><div><a href="http://www.manateemoves.com" target="_blank"></a>This year marks the 7th year that we attended the Sarasota Jungle Gardens Holiday light display.</div><div>We have been coming every year since our daughter's first Christmas.</div> </div><p /> <p><object height="240" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="432"><param name="movie" value="http://static.animoto.com/swf/w.swf?w=swf/vp1&e=1292649029&f=EsxK6IpXgGiq1fNd08VtGw&d=143&m=a&r=w&i=m&options=" /><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><embed allowfullscreen="true" src="http://static.animoto.com/swf/w.swf?w=swf/vp1&e=1292649029&f=EsxK6IpXgGiq1fNd08VtGw&d=143&m=a&r=w&i=m&options=" allowscriptaccess="always" type="application/x-shockwave-flash" height="240" width="432"></embed></object></object></p> <p> </p> <p><img src="http://activerain.com/image_store/uploads/8/6/1/4/2/ar129264828624168.JPG" height="267" alt="" width="400" /></p> <p> </p> <p><img src="http://activerain.com/image_store/uploads/1/2/2/4/3/ar129264838034221.JPG" height="267" alt="" width="400" /></p> <p>Hand Feeding Flamingos. When visiting Sarasota and Bradenton, a visit to Jungle Gardens is a must.</p> <p><img src="http://activerain.com/image_store/uploads/7/2/3/0/4/ar1292648540327.JPG" height="267" alt="" width="400" /></p> <p> </p> <p>Roasting Marshmallows and making S'mores too.</p> <p><img alt="" /><img src="http://activerain.com/image_store/uploads/2/4/7/9/3/ar129264845239742.jpg" height="600" alt="" width="400" /></p> <p>Over 1 million lights displayed, magic show, live music, and even food too. Every year the Sarasota Jungle Gardens Holiday Light show gets better and better.</p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sarasota-jungle-gardens-holiday-light-event-2">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5577699860729543362?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-83174603041502338952010-12-07T20:30:00.001-08:002010-12-07T20:30:28.165-08:00waterlefe golf cart parade 2010- It was a cold night, but a ton of fun!<div class='posterous_autopost'> <div>This year's waterlefe golf cart parade was a great success. With over 15 golf carts, and a few motorcyclists braved the cold temperatures, and paraded through the waterlefe neighborhood. </div> <p /><div>This year we went green, and had the LED lights on the cart. With Santa on top of the cart, of course.</div><p /><div>It was a great event and the amount of people out in their driveways really was impressive. </div> <div>Afterwards, there is a Very nice buffet served, with live entertainment. </div><div>This year there was Karoke, with the host getting everyone in the holiday spirit.</div><p /><p /><p /> <div>Joseph C. Murphy, Broker-Associate, BS, Previews Certified<p /><div><br /><div><br /><div>Coldwell Banker Residential Real Estate</div><div>11215 State Road 70 Suite 105</div><div>Lakewood Ranch, FL 34202</div> <p /><div>941-780-3260 cell/text</div><div>941-739-6777 office</div><div>941-739-9120 fax</div><p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div></div><br /> </div></div> <p><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/Yx46UATCUNBn0Ex0NbqF9a74zGJF0aXr27xxcDUK5iLlET8oM9BQ5cruPyHZ/269R9467.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/MZET1AADskGPdvObngAPuAG7DlvciTqdOV4AxEiGtemikcgwWPqqkhpEktdP/269R9467.jpg.scaled.500.jpg" width="500" height="333"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/GuWL35rqDR5rz9ntTKfOVe4upUSklaiP0ICGQT3Nzpp9JtJmrcVBxiIwkdA3/269R9444.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/5PTRGxl5juegHzOowcxcFj4vJM7GtGfVbkyxJDZhRNk9izfUC2ReQRCzBSOw/269R9444.jpg.scaled.500.jpg" width="500" height="506"/></a> <div><a href='http://manateemoves.posterous.com/waterlefe-golf-cart-parade-2010-it-was-a-cold'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/waterlefe-golf-cart-parade-2010-it-was-a-cold">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8317460304150233895?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-39534089882499489572010-12-07T05:30:00.001-08:002010-12-07T05:30:27.256-08:00stats on foreclosures<div class='posterous_autopost'><div style="font-family: arial, sans-serif; font-size: 13px; border-collapse: collapse;"><p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">This report is from Lending Processing Services (LPS) issues a monthly Mortgage Monitor which looks at several aspects of mortgage performance. We like to study this report to see what is currently taking place with delinquencies and foreclosures. The November report (which covers through October) had some very interesting information.</span></p></div> <h3 style="line-height: 21px;"><span style="font-family: Georgia, serif; color: black;"><span style="font-weight: normal;"><a href="http://kcmblog.com/2010/12/06/current-foreclosure-facts-from-lps/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29">http://kcmblog.com/2010/12/06/current-foreclosure-facts-from-lps</a>/</span></span></h3> <h3 style="line-height: 21px;"><span style="font-family: Georgia, serif; color: black;"><a href="http://kcmblog.com/2010/12/06/current-foreclosure-facts-from-lps/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+KeepingCurrentMatters+%28KCM+Blog%29"></a>Delinquency Rates</span></h3> <p style="line-height: 18px;"><em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">All delinquency statuses are calculated using the MBA methodology based on the payment due date provided by the servicer. Loans in foreclosure are reported separately and are not included in the MBA days delinquent.</span></em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;"></span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">Total delinquencies remained relatively stable for the fifth consecutive month and are <strong><span style="font-family: Georgia, serif;">down 8.4%</span></strong> from the same month last year. Basically, the delinquency challenge is not getting any worse and is leveling off at numbers below where they were last year.</span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">However, these numbers are still 2.7 times historical averages. The number of loans becoming 90 days delinquent still far outnumbers foreclosure starts.</span></p> <h3 style="line-height: 21px;"><span style="font-family: Georgia, serif; color: black;">Foreclosure Inventory </span></h3><p style="line-height: 18px;"><em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">The servicer has referred the loan to an attorney for foreclosure. Loans remain in foreclosure inventory from referral to sale.</span></em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;"></span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">Inventory is continuing to rise rather dramatically – <strong><span style="font-family: Georgia, serif;">up 7.1% since June – and up 5.2% from the same time last year</span></strong>. This is not good news as this inventory will be placed on the market in coming months at discounted prices. That will put downward pressure on all housing values. Inventories are 7.4 times historical averages and continuing to rise.</span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">The two greatest percentage increases in foreclosure inventories since 2008 come from jumbo prime and prime mortgages.</span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">The movement of foreclosed inventory to REO (foreclosed properties on the market) dropped dramatically in October. The monthly decrease could be explained by the moratorium put into effect by some banks because of the robo-signing challenge.</span></p> <h3 style="line-height: 21px;"><span style="font-family: Georgia, serif; color: black;">Foreclosure Starts</span></h3><p style="line-height: 18px;"><em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">Any active loan that was not in foreclosure in the prior month that moves into foreclosure inventory in the current month.</span></em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;"></span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">There were 263, 251 foreclosures started last month. This is <strong><span style="font-family: Georgia, serif;">down 4.4% from the previous month but up 2.9% from last year’s numbers</span></strong>. The monthly decrease could be explained by the moratorium put into effect by some banks because of the robo-signing challenge.</span></p> <h3 style="line-height: 21px;"><span style="font-family: Georgia, serif; color: black;">Loans NOT Yet in Foreclosure</span></h3><p style="line-height: 18px;"><em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">The percentage of loans not yet in foreclosure that has not had a payment made in over six months.</span></em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;"></span></p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 12pt; margin-left: 48pt; line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Wingdings; color: black;"><span>§<span style=""> </span></span></span><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">27.2% of loans 6 months behind are still NOT in foreclosure</span></p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 12pt; margin-left: 48pt; line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Wingdings; color: black;"><span>§<span style=""> </span></span></span><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">21.1% of loans 12 months behind are still NOT in foreclosure</span></p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 12pt; margin-left: 48pt; line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Wingdings; color: black;"><span>§<span style=""> </span></span></span><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">19.2% of loans 18 months behind are still NOT in foreclosure</span></p> <p style="margin-top: 0px; margin-right: 0px; margin-bottom: 12pt; margin-left: 48pt; line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Wingdings; color: black;"><span><b><span style="background-color: rgb(255, 255, 102);">§</span></b><span style=""><b><span style="background-color: rgb(255, 255, 102);"> </span></b></span></span></span><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;"><b><span style="background-color: rgb(255, 255, 102);">18.3% of loans 24 months behind are still NOT in foreclosure</span></b></span></p> <h3 style="line-height: 21px;"><span style="font-family: Georgia, serif; color: black;">Foreclosure Sales </span></h3><p style="line-height: 18px;"><em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">Any loan that was in foreclosure in the prior month that moves into post-sale status or is flagged as a foreclosure liquidation.</span></em><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;"></span></p> <p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">Foreclosure sales plummeted 35% last month. The monthly fall-off could be explained by the moratorium put into effect by some banks because of the robo-signing challenge.</span></p> <h2 style="line-height: 26px;"><span style="font-family: Georgia, serif; color: black;">Bottom Line</span></h2><p style="line-height: 18px;"><span style="font-size: 10pt; line-height: 18px; font-family: Georgia, serif; color: black;">The delinquency situation seems to be improving. However, it will take some time for the foreclosures to clear. The housing market won’t fully recover until they do.</span></p> Joseph C. Murphy, Broker-Associate, BS, Previews Certified<div><br /><div>Coldwell Banker Residential Real Estate</div><div>11215 State Road 70 Suite 105</div><div>Lakewood Ranch, FL 34202</div><p /><div>941-780-3260 cell/text</div> <div>941-739-6777 office</div><div>941-739-9120 fax</div><p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/stats-on-foreclosures">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3953408988249948957?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com1tag:blogger.com,1999:blog-37263107.post-87114608353111018072010-12-05T17:34:00.001-08:002010-12-05T17:34:13.164-08:00Waterlefe's Annual Holiday Golf Cart Parade and Dinner this Tuesday December 7, 2010 Don't Miss the Fun!<div class='posterous_autopost'><div style=""><p style="text-align: center;"> <em><strong>Every December here in Waterlefe we celebrate the holiday season in a unique way.</strong></em></p><p style="text-align: center;"> <strong /></p><div style="text-decoration: underline;"><em>The Annual Waterlefe Golf Cart Parade!</em></div> <p><img title="waterlefe golf cart parade 2009" src="http://activerain.com/image_store/uploads/5/6/1/0/4/ar129159853840165.JPG" height="533" alt="waterlefe golf cart parade 2009" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; vertical-align: middle;" /></p> <p>Only in Florida in a Gated golf course community, like <a href="http://www.manateemoves.com/" title="waterlefe golf and river club" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">Waterlefe golf and River Club</a> could you see a stirng of 20 plus golf carts all decotracted and tricked out with all kinds of cool lights and decorations. Quite a sight to see.</p> <p>The parade will start at the River Club on Fishhook, at around 6 pm. From there we will meander through the waterlefe subdivision and then end back at the river club. </p><p><img title="Great food and friends at last years waterlefe golf cart parade" src="http://activerain.com/image_store/uploads/8/2/2/4/0/ar129159863604228.JPG" height="533" alt="waterlefe golf cart parade dinner" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; vertical-align: middle;" /></p> <p>At the end of the Waterlefe golf cart parade there is a great dinner served buffet style, and live music too. Kids of all ages young and old love to get together, and celebrate the holiday season. </p><p><img title="kids having a blast at the waterlefe golf cart parade" src="http://activerain.com/image_store/uploads/5/2/1/4/5/ar129159876454125.JPG" height="533" alt="kids dancing at the waterlefe golf cart parade" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; vertical-align: middle;" /></p> <p>We have been participating in the <a href="http://www.manateemoves.com/" title="waterlefe info" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">waterlefe</a> golf cart parade every year for the past 7 years. Last year they added motorcycles too, so if you are interested in getting your cart in the parade, or if you would like to come to the dinner party make sure to call the waterlefe river club and let Denise now that you are coming.</p> <p> </p><div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p><p>941-840-0150 office</p><p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p><p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p> </div><div class="clearer"> </div></div>Joseph C. Murphy, Broker-Associate, BS, Previews Certified<div><br /><div>Coldwell Banker Residential Real Estate</div><div>11215 State Road 70 Suite 105</div><div>Lakewood Ranch, FL 34202</div> <p /><div>941-780-3260 cell/text</div><div>941-739-6777 office</div><div>941-739-9120 fax</div><p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/waterlefes-annual-holiday-golf-cart-parade-an">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8711460835311101807?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-29824497953424520562010-11-22T14:53:00.001-08:002010-11-22T14:53:20.391-08:00What a deal. 5 acres. 5 bedrooms. Pool spa and only 259,000!! In Sarasota too!!<div class='posterous_autopost'><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/cenoR0JQKlGyS84F1Z4aptH1AkYknxT0bLIWjYQFS4gCj46ARrHFLFWaYZaz/photo.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/mdnLyYaAC4rYyZ1AKgBXoy2wiwhpMAVQf0yhFyy2beJTVUIMWZmps92JVsGl/photo.jpg.scaled.500.jpg" width="500" height="373"/></a> <p>Thanks, <p /> Joseph C Murphy, P.A. <p /> Broker-Associate <p /> Coldwell Banker Residential RE <br />11215 S.R. 70 East Suite 105 <br />Lakewood Ranch, FL 34202 <p /> 941-780-3260 cell/text <br />941-739-9120 fax <br /><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a> <br />Manateemoves.com <p /> Sent from my iPhone</p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/what-a-deal-5-acres-5-bedrooms-pool-spa-and-o">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2982449795342452056?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-82810242750932806192010-11-09T08:42:00.001-08:002010-11-09T08:42:48.743-08:00market update for september 2010 for 34212<div class='posterous_autopost'><div><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/pjtrcxHj5lfEybjLibFuuVLQUYJ1wZMuO9q9uZvtaLH0zEHjhnwwRyEYAm8Z/trend_graphix_for_34212_for_se.png'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/UFjGqw4H8h30yvTYOpZGK0O972JSEYszm5vVTX59bqIVGHNmOsi6lslruZpa/trend_graphix_for_34212_for_se.png.scaled.500.jpg" width="500" height="363"/></a> <br /></div> <div>This is the latest market snapshot for homes in the 34212 zip code of Manatee County.</div> <div> </div> <div>Sales for the month have really dropped compared to a year ago. In 34212, the zipcode for waterlefe, heritage harbour, mill creek, country creek, country meadows, gates creek There were 31 sales in August, compared with only 16 sales in the 34212 zip code for September.</div> <div> </div> <div>I noticed a big drop overall in sales activity in the general area. I would attribute the drop off for october to the pending election, and traditionally October is a slower month traditionally as kids are back in school. Two years ago we had the sam slow down in manatee county real estate sales right before the presidential elections.</div> <div> </div> <div>If you need help with a short sales or foreclosures please give me a call. Joe Murphy a leading real estate agent in Manatee and Sarasota county.</div> <div> </div> <div><a href="http://www.manateemoves.com/">www.manateemoves.com</a></div> <div>Joseph C. Murphy, Broker-Associate, BS, Previews Certified</div> <div><br /> <div>Coldwell Banker Residential Real Estate</div> <div>11215 State Road 70 Suite 105</div> <div>Lakewood Ranch, FL 34202</div> <p /> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <p /> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/market-update-for-september-2010-for-34212">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8281024275093280619?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com1tag:blogger.com,1999:blog-37263107.post-53970023043604145702010-11-04T12:37:00.001-07:002010-11-04T12:37:29.158-07:00Fannie Mae and Freddie Mac seize foreclosure files from David Sterns mill gets raided<div class='posterous_autopost'><div>David Sterns law practice on the east coast of Florida has been one of the biggest firms processing thousands of Florida Foreclosure cases over the past few years. Freddie and Fannie had enough about the obvious shortcuts taken by the firm, and seized thousands of files from their office this week to review them for possible errors.</div> <div> </div> <div>Nice to see that Fannie Mae and Fredddie Mac are stepping in to straighten out this mess! Perhaps spreading out the case load a little might help to get these foreclosure files handled better.</div> <div> </div> <div>In any case, this should serve to slow down the already slow pace of foreclosures in the State of Florida. This should help to encourage Fannie Mae and Freddie Mac to get faster, and easier to deal with on short sales. In a short sale the entire cost, and headache of the foreclosure process is avoided. This helps the big lenders, the investors, and the homeowners who are facing the credit hit of a foreclosure.</div> <div> </div> <div>Need help with a short sale in Sarasota or Manatee? Make sure to contact Joe Murphy, real estate agent with Coldwell Banker. Joe Murphy is a leading short sale agent in the Sarasota and Bradenton areas. Free, confidential help is here if you have questions or concerns about the short sale process.<a href='http://posterous.com/getfile/files.posterous.com/manateemoves/bQuZGHeGWbiXZ6khuqekbGKyQDJDnDoLNxtZn03JU9ex9dBy8mdNW7F2zhrI/MOJOpix.tif.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/4P88qh8XSHfB7KXXswi3Eb7A3rxDgEQzQcqqMCiKEsYNynS2lWDEHvYoRkNN/MOJOpix.tif.scaled.500.jpg" width="500" height="750"/></a> </div> <div> </div> <div>941-780-3260</div> <div> </div> <div><a href="http://www.manateemoves.com/">www.manateemoves.com</a></div> <div> </div> <div> </div> <div><a href="http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=249810">http://www.floridarealtors.org/NewsAndEvents/article.cfm?id=249810</a><br />Joseph C. Murphy, Broker-Associate, BS, Previews Certified</div> <div><br /> <div>Coldwell Banker Residential Real Estate</div> <div>11215 State Road 70 Suite 105</div> <div>Lakewood Ranch, FL 34202</div> <p /> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <p /> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/fannie-mae-and-freddie-mac-seize-foreclosure">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5397002304360414570?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-21229258949593255102010-10-28T19:09:00.001-07:002010-10-28T19:09:44.481-07:00Understanding HAFA when you are doing a short sale<div class='posterous_autopost'> <div style='padding: 5px 5px 10px 5px; margin-top: 5px; border: 1px solid #ddd; background-color: #fff;line-height: 16px;'> <div style="float: left; margin-right: 5px; overflow: visible;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/fgt7x30S7cLOWnMZKp3ectGeJMCDaEUaRCo4GENAVKeHGvLLf7e2XHQz9QPn/HAFA.pdf' style='color: #bc7134;'><img src='http://posterous.com/images/filetypes/pdf.png' style='border: none;'/></a></div> <div style="font-size: 10px; color: #424037;line-height: 16px;">Download now or <a href='http://manateemoves.posterous.com/understanding-hafa-when-you-are-doing-a-short' style='color: #bc7134;'>preview on posterous</a></div> <b><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/fgt7x30S7cLOWnMZKp3ectGeJMCDaEUaRCo4GENAVKeHGvLLf7e2XHQz9QPn/HAFA.pdf' style='color: #bc7134;'>HAFA.pdf</a></b> <span style="font-size: 10px; color: #424037;">(3111 KB)</span> <br style="clear: both;"/></div> <p>There has been a lot of issues in the past few weeks with Bank of <br />America and Wells Fargo with regards to complying with HAFA. I have <br />had to actually start over a short sale that was in process on a <br />Bradenton home that Wells Fargo states has to be canceled and then <br />resubmitted in order to be considered. <p /> In particular, I want to make sure that homeowners realize that you <br />have to contact your lender BEFORE submitting a contract to purchase <br />your home. Please make sure to contact your lender prior to having <br />your Real Estate agent submitting any purchase contract for the sale. <p /> This is a dramatic change from how things were done prior to HAFA <br />being actually implemented by the major lenders. In the old days <br />before HAFA most often my customers were told to not submit anything <br />until there is a valid, executed contract to purchase the seller's <br />home. <p /> In one instance with Wells Fargo, my seller was actually told they had <br />to cancel the purchase contract on their home, and withdraw the <br />listing in order to "start over" and apply for HAFA. In that <br />instance, I received two offers for the home with 24 hours of the home <br />being active. They had already been in very frequent contact with <br />Wells Fargo as they had applied for a loan modification <br />(unsuccessful), and then notified them that they were going to short <br />sale the home. They were told by the rep from Wells Fargo that to do <br />a short sale they needed to get a real estate agent to list the home, <br />and then submit the listing agreement, their typical supporting <br />paperwork, and a purchase contract when it arrived. The listing <br />agreement, their bank statements, hardship letter, and tax returns <br />were submitted with the purchase contract. Wells Fargo then ordered a <br />BPO shortly there after. <p /> All good, or so we think... <p /> Then the news comes that they are being denied for the HAFA program <br />because they did not submit the listing agreement ahead of sending in <br />the contract. So much for doing my job and getting a good buyer under <br />contract to purchase this Bradenton short sale! <p /> I make sure that all my home owners here in Sarasota and Bradenton <br />that are considering a short sale review the HAFA guidelines, and <br />contact their lender(s) ahead of starting the short sale process. <br />Unfortunately not everyone that answers the phone at Bank of America <br />and Wells Fargo understand their own process with applying for HAFA <br />and even the requirement that you have to apply ahead of submitting <br />any contracts. <p /> <p /> <p /> I have included in this post a video from NAR explaining the workings <br />of the HAFA program and also a link to the official HAFA guidebook for <br />consumers. <p /> <embed name="flashObj" pluginspage="http://www.macromedia.com/shockwave/download/index.cgi?P1_Prod_Version=ShockwaveFlash" src="http://c.brightcove.com/services/viewer/federated_f8/1465406675" type="application/x-shockwave-flash" height="412" flashvars="videoId=74463695001&playerId=1465406675&viewerSecureGatewayURL=https://console.brightcove.com/services/amfgateway&servicesURL=http://services.brightcove.com/services&cdnURL=http://admin.brightcove.com&domain=embed&autoStart=false&" width="486" base="http://admin.brightcove.com"></embed> <p /> Joseph C. Murphy, Broker-Associate, BS, Previews Certified <br />Coldwell Banker Residential Real Estate <br />11215 State Road 70 Suite 105 <br />Lakewood Ranch, FL 34202 <br />941-780-3260 cell/text <br />941-739-6777 office <br />941-739-9120 fax <br /><a href="http://www.manateemoves.com">www.manateemoves.com</a></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/understanding-hafa-when-you-are-doing-a-short">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2122925894959325510?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-19348348035962805422010-10-21T07:06:00.001-07:002010-10-21T07:06:01.978-07:006620 Hunters Combe- University Park<div class='posterous_autopost'><p><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/o0HBQXDK6S5PPqVG9iZrodUjJeBGp27PlzKcbuUtR2JwFLA5Xzad3OOuMUTK/IMG_3674.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/8qyG1dqYnnKcwJGDdkT0rNli0qjhEiYUVRXaCFZ0NVxC3hwte6H3FfxIxouu/IMG_3674.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/slr9C9RVQRQCOYIHabIW7X9skflsQ3T1aHdZQlB0wohChluVwePiHWCIYF3I/IMG_3675.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/fNVaHwHx5JyrUqJnsDHQ9Lcxda22RAkM33nI6DQh7s9r76BFB9kPXlp4p4ic/IMG_3675.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/gbCSSYgOTGq8Z8NhonA0Ijdtcxje8yVGgwaWqbEfMDUXJ6ImIV4sYSlnLIBN/IMG_3676.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/radkE0HZc1cOx7pBG25yho3OU562PjTHCjq1taZ2lb7DWZ5yk5zeWj7Fq05M/IMG_3676.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/HMjEH22UwEW95OdbkmWpUGeXtDkdftorbFD0qLLbOWwZbpKPijDPRbGP20fH/IMG_3677.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/pHr57EKYmyh34Rl4pKIZS2PEVtMgm7S3LiJtrf6I1lfEjKdOoy4ekjWRnQgd/IMG_3677.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/0eKwUtmPuSSpllE49rLUBalXrUXJu6HlSC3WBNog7ooA9mlqgAHbjAbfOKqe/IMG_3678.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/g0jJhAsnrWYZ8K34iEDsXfNa6KKuyc3mFYPzEtQC4GFRJnGmydxr16YSnHfA/IMG_3678.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/X3HTv5MeAeazlvs4nYKS1aid8KeHuozhbwWK8LfEiAQHnBvMshcY3BMPrjWH/IMG_3679.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/d6FCYmv3N9aqjncdK32iVSxOLugT62d0vB2UGC55yLgfyWbsNkZ1lUr1R2Mm/IMG_3679.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/78iLUayntPxiJGUc6aoYr4MF94PrqN0Ks35ZgOzVqxzECQi9LbRLrhvMea3I/IMG_3680.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/stQ8Fo47I3UvkICdjA9K2Lq2A8u1nmeonHVqVF3PLFQworMmb3g2pbrcoRYw/IMG_3680.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/B1YPMX7OOqBJ9J0HlUGBD8BT7SYMhOCyhCm8ugayo3U2k6n4wL9oBqS9Ajhz/IMG_3681.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/KPcGDPUoetXJNkb5fq2D6lmywYYAsU0DZuwG0S2dmTAIDEdXZlfVJ2m2hent/IMG_3681.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/siCJ7xq973Rt6xGIV0WRgT4FvnNPFLxy3bRI1dKkJ4nk4xaTb9ImfErCqAdY/IMG_3682.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/vOCSUrXMZFGZEZE0joPVore4jw8mdHXMxsugDa3dgTJqUHxI7mD8u9otEeQt/IMG_3682.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/cIqDyEYMVU4sgsSorkIm3gIm9nSVSVuOUntuzUOL1jdYqFw1n5t0FMRn1GEu/IMG_3683.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/dqTBM0uNYdUICHClNJ9IdMPU2VzOdOdyZLkRNplrJVPTFRALckiGmwqLn3yS/IMG_3683.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/feWMYaWWFJ9aS6oafQmcxN85kQ2JLmYxBmZepostCKjvuar6sxkGWtwWrojY/IMG_3684.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/MZWqMQc2EBOyijAxRgwAbfAwlKtNxT9ACXAmdpKYmmCq0exnvM16qTyzj1AQ/IMG_3684.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/uqPImkCADhofARxLhSexZwQhwExjjswZwl4KxVX1ps1ussH4AWau6BmAIlRj/IMG_3685.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/ZSrJTLV2rhsGlvaN3Qqn8cpUZ9wtf2ROmsPhMCCy8vpuqQOh2aft6P0LlD4W/IMG_3685.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/Nz8HvuyVMRNJkr25D8sQ1pRucDdRSyXBDL8KfUjXhCPHcQZiW0ihimKABvtu/IMG_3686.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/A5CAYoT8gmrVg5GxKdhaf4h32sThecpQZ3AemypRKgXNsOAscLGJvozyaezp/IMG_3686.jpeg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/GYcEKA4QtjA5x5BTIaWaSNhSZlZ7bD7fU5b9CErL0MoSanY42IbetE8bzaWh/IMG_3687.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/8WiKz7ExJxkzgrgEwePMKkD3bqgbexpco9x8rFLJAFh4GQe1or4BItOPVE5n/IMG_3687.jpeg.scaled.500.jpg" width="500" height="375"/></a> <div><a href='http://manateemoves.posterous.com/6620-hunters-combe-university-park'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/6620-hunters-combe-university-park">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-1934834803596280542?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-92116535321027411992010-10-12T23:29:00.001-07:002010-10-12T23:29:55.011-07:00A great deal you need to know about in Bradenton, FL! 250k = NEW, 3/2/pool/spa/lake/loaded/golf included<div class='posterous_autopost'><div><span style="font-size: 18px;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/j1CJHbsAHHhhdLqczt5yYquMRb0el05y5GUgqV4nznvcBYFT2H69227bciQz/IMG_5812.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/WokWjAMf2oGt8VO5nM06VQEF69zv4ELNfUzTSPv7jbD6PCCIJvMYVD8wL8xD/IMG_5812.jpeg.scaled.500.jpg" width="500" height="373"/></a> </span></div><div><span style="font-size: 18px;"><span style="font-size: medium;"><a href="http://www.manateemoves.com/home-search/">Riverstrand in Heritage Harbour</a></span>. Brand new Bradenton home in a gated golf course community. ONLY 250,000!!!!!</span></div><p /><div>I showed this home to a potential buyer this past week, and although it's not a perfect fit for them. (They are looking for a bigger home) <b><span style="font-size: 14px;">I think it is quite noteworthy! </span></b></div><p /><div>I wanted to share this with you In case<span style="font-size: 13px;"><i> you, or someone you know</i></span> is looking for that "<b>GREAT DEAL</b>" This would make an ideal second home, investment, or just a great full time place this can't be beat in this category.</div><p /><div>Feel free to give me a call or email, and I can get you floor plans, video, or answer any questions if you have any interest.</div><p /><div>THE DETAILS, and some snapshots...</div><p /><div>Just completed, and still being punched out, this is a <b><span style="font-size: 14px;">1700 sqft 3 bedroom, 2 bath home with a killer lake view.</span></b> I am going to add the virtual earth view or snap a shot of the back yard. </div><p /><div>The bottom line price I was able to get on this closeout home in<span style="font-size: 14px;"><b> River strand is 250,000</b></span>. There's a lot of value in this home</div><p /><div>River strand homes include a equity golf course membership, and tennis, and two pools, and fitness, and a 40,000 sqft clubhouse that is first class.</div><p /><div>Here you can live like you are on vacation. The fees work out to about 340 a month, sounds high but includes a lot of lifestyle, and costs that you would pay anyway</div><p /><div>All outside lawn care, irrigation, bug control, fertilizer, included (80-120 a month value)</div><p /><div>Cable tv included (basic cable 40 a month)</div><p /><div>Greens fees for the private 27 hole course, and use of the all the tennis, and other facilities included too. ( if you use the amenities there is great value)</div><p /><div><br /><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">IMG_581</div><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"> </span><br class="webkit-block-placeholder" /></p><div style=""><br /><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/SIh6CUbTdGLo1VqwWeNdRC0BSrU3ZjbAA7tf3sQOKpF6FoeCBHTSVAHBOGar/IMG_5814.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/cCmb4JtM73Pd6QCb0gSIYPWgVmgogCsvznZV7s9HffgouCKULZkWUKX0L8fg/IMG_5814.jpeg.scaled.500.jpg" width="500" height="373"/></a> <br /></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">IMG_5814</div><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"><br /></span></p><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space">IF you are looking for a great value in a new home in the Sarasota and Bradenton Area then this is one to consider. The builder is down to their last 6 homes so they are dealing pretty hard. This is the time to get a great bargain.</span></p><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"> </span><br class="webkit-block-placeholder" /></p><div style=""><br /><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/5mWIGIsT2GoKk70SFs8vnE2X7zr9IPsplRSRCU46GyfbKnfkmHZHGGZyJdIg/IMG_5815.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/y2NFVvwxk5b0ngWSZysS6FYqDxudeq5cnYBfZro3LwFbczVtzWSJUER2U0rN/IMG_5815.jpeg.scaled.500.jpg" width="500" height="373"/></a> <br /></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">IMG_5815</div><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"><br /></span></p><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space">Call me today to get more info, I'd be glad to get a video for you too. I don't think that this one will last. 250,000 with full golf in a new, gated home with a killer lake view, spa, pool, granite, crown moldings, tile roof, paver driveway. This one's special!!</span></p><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"> </span><br class="webkit-block-placeholder" /></p><div style="">Joe Murphy 941-780-3260</div><div style="">Coldwell Banker Residential Real Estate<br /><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/LogDQZ958hY01t1ne0lWO107s9leUt7DiFrx54hLOfeoYdunPdJ1tzGaVaLf/IMG_5816.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/eZYkV2DuC18xgCbz7aMyb35fpY9P4dvmRdP2ndVA33Osv3nBmPBjEfe6Vyjx/IMG_5816.jpeg.scaled.500.jpg" width="500" height="373"/></a> <br /></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">IMG_5816</div><p /><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">The home is not quite complete, still needs carpet in bedrooms, and the pool needs to be finished. Check out that great lake view!!</div><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"> </span><br class="webkit-block-placeholder" /></p><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">IMG_5817</div><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"> </span><br class="webkit-block-placeholder" /></p><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;">IMG_5818</div><p style="margin: 0.0px 0.0px 0.0px 0.0px;"><span class="Apple-converted-space"> </span><br class="webkit-block-placeholder" /></p><p /> </div><p></p><p></p><p></p><p></p><p><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/IyzmuWqB51igAhPosZWVrMJRfn1vgaie6KrexdjL6kdXWZPW1Ag9GU4ZroBQ/IMG_5817.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/lJ5CkW3l05UHhJvFad7yGF04o3tPG1e0LppMJ2Cz88ZmPEWkCvCZqS3MGzE2/IMG_5817.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/99GY1Rf0qit477Z3GJci3DakRS4QuM6xWTxREItgLWAMbfyarQapH4XXKChf/IMG_5818.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/SaYdY0eiqNtyA2rSiBtsmjzokeOQ8CAnSHAOS5R3DslchcB2AQhQol1FPcOg/IMG_5818.jpeg.scaled.500.jpg" width="500" height="373"/></a> <div><a href='http://manateemoves.posterous.com/a-great-deal-you-need-to-know-about-in-braden'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/a-great-deal-you-need-to-know-about-in-braden">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-9211653532102741199?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-83127037970779271842010-10-06T11:29:00.001-07:002010-10-06T11:29:13.705-07:00siesta key condo or home- none finer than horizons west in sarasota<div class='posterous_autopost'><div class="hfeed"> <div class="breadcrumb"> </div> <div class="post-2641 post type-post hentry category-250k-500k category-2-bedrooms category-active category-active-inventory category-condominium category-featured-properties category-properties category-property-bedrooms category-property-location category-property-price category-sarasota-home-inventory category-siesta-key category-normal-sale tag-condo tag-cresent-beach tag-maintenance-free tag-normal-sale tag-one-story tag-sarasota tag-siesta-key tag-siesta-key-beach tag-siesta-village"> <h1 class="entry-title">Siesta Key beach home condo at Horizons West</h1> <div class="entry-content"> <p style="TEXT-ALIGN: center;"> <a href="http://www.manateemoves.com/wp-content/uploads/exterior-cropped1.jpg" rel="shadowbox[post-2641];player=img;"><img title="exterior cropped" class="aligncenter size-large wp-image-2680" src="http://www.manateemoves.com/wp-content/uploads/exterior-cropped1-1024x603.jpg" height="117" alt="" width="200" /></a></p> <p>LOCATION-PRICE-CHARM…Move in Ready! Siesta Key Villa. 2 bedroom 1.5 bath with a fresh open feeling inside & shady yard outside. Your opportunity to live the “island” lifestyle. The white sands of a private Siesta Key Beach right out your front door. Gulf side with 2 community pools, sauna and spa available. Walk to Siesta Village for great shopping and dining. Bike to the famous Public Siesta Key White Sand Beach for vollyball, drum circles and community activities and discover why this is one of the best beaches in the world! The private section of beach for this home is equipped with beach chairs and lounges for sunbathing; beach cabanas are available also, or you can relax in the Jacuzzi. It’s all about LOCATION, LOCATION, LOCATION! This home has never been rented, however, there is a rental program available for you with Horizon West! MLS number M5816508</p> <h4 class="dsidx-address"><a href="https://mail.google.com/idx/mls-m5816508-6145_midnight_pass_rd_e_8_sarasota_fl_34242">6145 Midnight Pass Rd # E-8, Sarasota, FL 34242 (MLS # M5816508)</a></h4>(all data current as of 10/6/2010) <br /> <div style="FLOAT: left; MARGIN-RIGHT: 10px;"> <div><a href="http://mls-photos.diversesolutions.com/372/m5816508/0-full.jpg" rel="shadowbox[post-2641];player=img;" target="_blank"><img src="http://mls-photos.diversesolutions.com/372/m5816508/0-medium.jpg" alt="Photo for 6145 Midnight Pass Rd # E-8, Sarasota, FL 34242 (MLS # M5816508)" style="BORDER-BOTTOM: #999999 1px solid; BORDER-LEFT: #999999 1px solid; BORDER-TOP: #999999 1px solid; BORDER-RIGHT: #999999 1px solid;" /></a> </div> <div><a href="http://tour.previsite.com/mls/0358/m5816508.html" rel="nofollow" target="_blank">View Virtual Tour</a> </div></div> <table class="dsidx-primary-data"> <tr> <th style="TEXT-ALIGN: left; PADDING-RIGHT: 15px;">Price</th> <td>$399,000 </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left; PADDING-RIGHT: 15px;">Beds</th> <td>2 </td></tr> <tr> <th style="TEXT-ALIGN: left; PADDING-RIGHT: 15px;">Baths</th> <td>2 full baths </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left; PADDING-RIGHT: 15px;">Home size</th> <td>1,068 sq ft </td></tr> <tr> <th style="TEXT-ALIGN: left; PADDING-RIGHT: 15px;">Lot Size</th> <td>n/a </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left; PADDING-RIGHT: 15px;">Days on Market</th> <td>9 </td></tr></table> <p /> <blockquote>LOCATION-PRICE-CHARM...Move in Ready! Siesta Key Villa. 2 bedroom 1.5 bath with a fresh open feeling inside & shady yard outside. Your opportunity to live the "island" lifestyle. The white sands of a private Siesta Key Beach right out your front door. Gulf side with 2 community pools, sauna and spa available. Walk to Siesta Village for great shopping and dining. Bike to the famous Public Siesta Key White Sand Beach for vollyball, drum circles and community activities and discover why this is one of the best beaches in the world! The private section of beach for this home is equipped with beach chairs and lounges for sunbathing; beach cabanas are available also, or you can relax in the Jacuzzi. It's all about LOCATION, LOCATION, LOCATION! This home has never been rented, however, there is a rental program available for you with Horizon West!</blockquote> <div class="dsidx-photos" style="TEXT-ALIGN: center; MARGIN: 10px 0px;"> </div> <table style=""> <tr> <th style="TEXT-ALIGN: left;">Last Updated</th> <td style="">10/6/2010 </td> <th style="TEXT-ALIGN: left;">Tract</th> <td style="">Horizons West Bay Side </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Year Built</th> <td>1968 </td> <th style="TEXT-ALIGN: left;">Community</th> <td>n/a </td></tr> <tr> <th style="TEXT-ALIGN: left;">Garage Spaces</th> <td>n/a </td> <th style="TEXT-ALIGN: left;">County</th> <td>Sarasota </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Total Parking</th> <td>1 </td> <th style="TEXT-ALIGN: left;"><a href="http://www.walkscore.com/score/6145-midnight-pass-rd-.num.-e.dash.8-34242?utm_source=press-diversesolutions.com" target="_blank">Walk Score</a> ® </th> <td><a href="http://www.walkscore.com/score/6145-midnight-pass-rd-.num.-e.dash.8-34242?utm_source=press-diversesolutions.com" target="_blank">34</a> <a href="http://www.walkscore.com/how-it-works.shtml" target="_blank"><img src="http://cdn1.diverse-cdn.com/api/images/dsidxpress/walk-score-question-mark.gif/74a437" /></a> </td> </tr></table> <h3 style="TEXT-DECORATION: underline;">Additional Details</h3> <table style="MARGIN-LEFT: 20px;"> <tr> <th style="TEXT-ALIGN: left;">Taxes </th> <td style="">3617 </td> <th style="TEXT-ALIGN: left;">Kitchen (Approx.) </th> <td style="">10x12 </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Master Bedroom (Approx.) </th> <td style="">12x12 </td></tr></table> <h3 style="TEXT-DECORATION: underline;">Features</h3> <table style="MARGIN-LEFT: 20px;"> <tr> <th style="TEXT-ALIGN: left;">Additional Parcel Y/N </th> <td style="">No </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Air Conditioning </th> <td style="">Central </td></tr> <tr> <th style="TEXT-ALIGN: left;">Appliances Included </th> <td style="">Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Architectural Style </th> <td style="">Villa </td></tr> <tr> <th style="TEXT-ALIGN: left;">Area (Range) </th> <td style="">Sarasota/Crescent Beach/Siesta Key </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">CDD Y/N </th> <td style="">No </td></tr> <tr> <th style="TEXT-ALIGN: left;">Community Features </th> <td style="">Community Heated Pool, Community Pool, Deed Restrictions, Dock, Fees Required, Fishing Pier, Fitness, Recreation Building, Security </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Exterior Construction </th> <td style="">Block, Brick </td></tr> <tr> <th style="TEXT-ALIGN: left;">Exterior Features </th> <td style="">Mature Landscaping, Oak Trees, Outdoor Grill, Outdoor Lights </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Fireplace Y/N </th> <td style="">No </td></tr> <tr> <th style="TEXT-ALIGN: left;">Floor Covering </th> <td style="">Carpet, Ceramic Tile </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Foundation </th> <td style="">Slab </td></tr> <tr> <th style="TEXT-ALIGN: left;">Garage Features </th> <td style="">Side Rear Entry </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Garage/Carport </th> <td style="">1 Car Carport </td></tr> <tr> <th style="TEXT-ALIGN: left;">Heating & Fuel </th> <td style="">Fuel - Gas Natural </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">HOA/Comm Assn </th> <td style="">None </td></tr> <tr> <th style="TEXT-ALIGN: left;">Homestead Y/N </th> <td style="">No </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Interior Features </th> <td style="">Ceiling Fan(s), Washer/Dryer Hookup </td></tr> <tr> <th style="TEXT-ALIGN: left;">Interior Layout </th> <td style="">Living Room/Great Room </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Listing Type </th> <td style="">Exclusive Right to Sell </td></tr> <tr> <th style="TEXT-ALIGN: left;">Location </th> <td style="">In County </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">LSC List Side </th> <td style="">Manatee </td></tr> <tr> <th style="TEXT-ALIGN: left;">Maintenance Includes </th> <td style="">Building Exterior, Ground Maintenance, Trash Removal </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">MLS Area - Zip </th> <td style="">Sarasota/Crescent Beach/Siesta Key </td></tr> <tr> <th style="TEXT-ALIGN: left;">New Construction </th> <td style="">No </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Originating Board ID </th> <td style="">Manatee </td></tr> <tr> <th style="TEXT-ALIGN: left;">Pool (Home) Y/N </th> <td style="">Yes </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Pool Type </th> <td style="">Heated Pool, In Ground, Spa </td></tr> <tr> <th style="TEXT-ALIGN: left;">Property Description </th> <td style="">One Story </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Property Style </th> <td style="">Villa </td></tr> <tr> <th style="TEXT-ALIGN: left;">Property Type </th> <td style="">Residential </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Realtor Info </th> <td style="">Condominium Documents Avail, No Sign </td></tr> <tr> <th style="TEXT-ALIGN: left;">Record Delete Flag </th> <td style="">No </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Roof </th> <td style="">Built Up </td></tr> <tr> <th style="TEXT-ALIGN: left;">Special Listing Type </th> <td style="">Not Applicable </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Special Sale Provision </th> <td style="">None of the Above </td></tr> <tr> <th style="TEXT-ALIGN: left;">Square Foot Source </th> <td style="">Public Records </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Status </th> <td style="">Active </td></tr> <tr> <th style="TEXT-ALIGN: left;">SW Subdv Community Name </th> <td style="">Pointe On Midnight Pass </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Total Acreage </th> <td style="">889 Sq. Ft., Up to 10 </td></tr> <tr> <th style="TEXT-ALIGN: left;">Utilities Data </th> <td style="">City Water, Electric </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Water Access </th> <td style="">Beach - Private, Gulf/Ocean </td></tr> <tr> <th style="TEXT-ALIGN: left;">Water Access Y/N </th> <td style="">Yes </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Water Frontage </th> <td style="">Beach - Private, Gulf/Ocean </td></tr> <tr> <th style="TEXT-ALIGN: left;">Water Frontage Y/N </th> <td style="">Yes </td></tr> <tr class="dsidx-secondary-row"> <th style="TEXT-ALIGN: left;">Water View Y/N </th> <td style="">No </td></tr></table> <h3 style="TEXT-DECORATION: underline;">Location</h3> <p></p> <p>Listing information deemed reliable but not guaranteed. <a href="http://api.idx.diversesolutions.com/Disclaimer/4423/24" rel="nofollow" target="_blank">Read full disclaimer</a>.</p> <p>Listed with COLDWELL BANKER RESIDENTIAL RE </p> <p style="TEXT-ALIGN: right;"><a href="https://mail.google.com/idx/mls-m5816508-6145_midnight_pass_rd_e_8_sarasota_fl_34242">(view all details for MLS # M5816508)</a></p> <p> </p> <p>If you have been considering a condo on the beach of siesta key, here in sarasota, fl. This is the condo you have to check out. Especially if you want a place that has no hassles, remodeled, and priced right. Horizon west is a quiet residential feeling street where you can get a siesta key condo that feels like a home. If you wanted a siesta key single family home then maybe take a look at this siesta key villa. You can walk right to the white sands of siesta key beach. Jump into one of the two pools, or relax in the spa. Then return to your own private oasis in this beautiful siesta key condo, or is it a house? It’s Both. </p> <p>Siesta Key real estate has hit an all time low due to the waves of foreclosures, and short sales. This Sarasota condo is neither. Iis being sold turn-key furnished, and there is a great rental program onsite. If you were considering an investment home or condo on siesta key then this condo should be considered over any of the short sales and foreclosures that you have seen. You can close on this condo, and have it added to the rental program and start making income today with great siesta key investment condo. The rental program is active, and they have openings for another unit.</p> <p>One of the coolest parts of living in The Horizon west condos is the day use docks that are just down at the end of the street. Here you can dock your boat for the day, so after that long day of great fishing, you can return to your condo and then cool off in the pool or the gulf of mexico.</p> <p><code> </code></p><div class="property-details"> <div class="property-details-col1"><b>Listing Price:</b> 399000<br /><b>Address:</b> 6145 Midnight Pass Road<br /><b>City:</b> Sarasota<br /><b>State:</b> FL<br /><b>ZIP:</b> <br /><b>pool (y/n):</b> yes<br /></div> <div class="property-details-col2"><b>MLS # (if any):</b> M5816508<br /><b>Square Feet:</b> 1068<br /><b>Bedrooms:</b> 2<br /><b>Bathrooms:</b> 2<br /><b>type of sale:</b> normal</div> <div class="property-details-col2"><div style="width:800px;height:600px;padding:0px;"><iframe title="siesta key home/condo 2/2 ground floor" src="http://tour.previsite.com/3C5F0353-EB0B-DBDE-579F-8C2CA9410945&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p /></div><br />Joseph C. Murphy, Broker-Associate, BS, Previews Certified</div></div></div> <div><br /> <div>Coldwell Banker Residential Real Estate</div> <div>11215 State Road 70 Suite 105</div> <div>Lakewood Ranch, FL 34202</div> <p /> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <p /> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/siesta-key-condo-or-home-none-finer-than-hori">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8312703797077927184?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-49247215079295338132010-10-05T13:57:00.001-07:002010-10-05T13:57:01.433-07:00wells fargo announces "NO MORE SHORT SALE EXTENSIONS!"<div class='posterous_autopost'><div>Well I sure hope that Wells Fargo gets faster about giving short sale approvals and gives adequate time to close them! <img src="http://posterous.com/getfile/files.posterous.com/manateemoves/FHzwEtOfjxVgsxDGjyhSqhlMmUtg6gpqd1EncFHJesovkbLa5nb62JF6NAOS/grip.jpg" width="153" height="166"/> </div> <div> </div> <div><strong>With no ability</strong> <strong>to get extensions</strong> buyers who need financing on their short sale purchases need to be extra diligent to getting their loan commitments on time to meet the approval time frames provided from the lender. Wells fargo will need to be realistic to Junior lien holders having to also agree to the short sale approval.</div> <div> </div> <div>In the past two out of three short sales with Wells Fargo that I have closed here in Bradenton, FL, A short sale needed an extension. </div> <div> </div> <div>In one instance I sold a short sale in <a href="http://www.manateemoves.com/">Heritage Harbour</a> the seller's second lender agreed to a short sale but insisted on more cash then Wells Fargo was willing to offer them. They then wanted a cash contribution from the seller. Then Wells Fargo balked at the cash the second was to receive, and requested they be paid that as well. It took a few weeks to work through this difference between the bank and Bank of America (who held the second). That deal would not have closed if Wells Fargo did not agree to an extension of the approval.</div> <div> </div> <div>In another deal I had a buyer who had issues with getting their mortgage commitment from their out of state lender. Luckily we were able to get an extension on the approval, and the buyer was able to get through all the hoops that their lender had set up.</div> <div> </div> <div> </div> <div>Many times second position lenders will not give a written approval until there is an approval from the first lender.</div> <div> </div> <div>This is just going to add to the pressure to have everything in order when it comes to the closing phase of a short sale. </div> <div><br />I think that it is a mistake for Wells Fargo to issue such a strict rule when they don't typically adhere to there own time lines that they give out. <br /></div> <div> </div> <div>10 days for a short sale to be approved is what Wells Fargo tells all their short sellers. But, I have yet to see Wells Fargo actually approve one within 10 days of short sale submission.</div> <div><br />To Wells Fargo credit, they have been getting faster at their turn around time. And most agents would agree they are much better to deal with then Bank of America's equator system. Bank of America could take some lessons from the way Wells Fargo now operates. </div> <div> </div> <div>This just reinforces the need for any home owner considering a short sale to make sure they get a Real Estate Agent with short sale experience. Particularly with the lender that they are dealing with.</div> <div> </div> <div>If you need help with a short sale in bradenton or sarasota make sure to give Joe Murphy a call. Joe Murphy is a leading short sale listing agent in the sarasota and bradenton real estate market. Dozens and Dozens of successfully closed short sales closed in Sarasota and Manatee.</div> <div> </div> <div> </div> <div><a href="http://www.structuredfinancenews.com/news/-211542-1.html">For more details on this article</a><br />Joseph C. Murphy, Broker-Associate, BS, Previews Certified</div> <div><br /> <div>Coldwell Banker Residential Real Estate</div> <div>11215 State Road 70 Suite 105</div> <div>Lakewood Ranch, FL 34202</div> <p /> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <p /> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/wells-fargo-announces-no-more-short-sale-exte">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4924721507929533813?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-74419102160629988612010-09-21T19:47:00.001-07:002010-09-21T19:47:20.566-07:00bank of america and wells fargo finally agreed today! Another short sale successfully closed in Bradenton<div class='posterous_autopost'><p><span>It is always a good day when we close a successful short sale transaction. This one in Heritage <span>Harbour</span> in east <span>bradenton</span>, was a wells <span>fargo</span> first mortgage and a second mortgage with Bank of America. </span></p> <p>What was unique about this deal was how challenging the two lenders were to get to an agreement. The time frame for approval from contract date to bank approval was 93 days. Pretty typical time frame for a short sale with Wells Fargo. </p> <p><span>What was illogical to me was wells <span>fargo</span> not cooperating with the second position lender (bank of <span>america</span>) <span>to </span> work out a solution for settlement. Getting these two banks to agree took a few weeks. In the end the second lender agreed to the terms of the first. </span></p> <p>Wells Fargo only took a loss of 10% of the mortgage amount, yet they challenged the second lenders approval payoff who took a loss of over 90%</p> <p><span>Here is a typical time-line. Offer is submitted to both lenders bank of <span>america</span> and wells <span>fargo</span>. Bank of America was first to conditionally approve the sale, with a demand for a settlement of X. Meanwhile, Wells Fargo approves the deal, subject to bank of <span>america</span> accepting a 3,000 dollar payoff.</span></p> <p><span>3,000 dollars was a fraction of the balance of the bank of <span>america</span> loan. So then the process of getting these two lenders to come to a compromise. Wells Fargo was unreasonable to the second lender to bank of <span>america</span>. And Bank of America was crazy to think that wells <span>fargo</span>, would allow for a larger than typical payoff. </span></p> <p><strong><em><span>Perhaps it was the Bank of America's first short sale negotiation. <span>LOL</span>!</span></em></strong></p> <p><span>The end justify the means, and in this case, my seller was able to avoid a foreclosure and sell his home. The buyer got a great deal on a great short sale in <span>bradenton</span>. </span></p> <p>My suggestion for anyone considering short selling their home in Bradenton or Sarasota is to make sure you have patience, a great real estate agent, and a dedicated attorney all working together to get the sale approved, and closed.</p> <p> </p> <div class="agent_signature"> <p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p> <p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p> <p>Coldwell Banker Residential Real Estate</p> <p>941-780-3260 cell</p> <p>941-840-0150 office</p> <p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p> <p><a href="http://www.manateemoves.com">www.manateemoves.com</a><br />Joseph C. Murphy, Broker-Associate, BS, Previews Certified</p></div> <div><br /> <div>Coldwell Banker Residential Real Estate</div> <div>11215 State Road 70 Suite 105</div> <div>Lakewood Ranch, FL 34202</div> <p /> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <p /> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/bank-of-america-and-wells-fargo-finally-agree">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7441910216062998861?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-70299729824620808802010-09-20T16:24:00.001-07:002010-09-20T16:24:25.689-07:00Sarasota Condo in the Villagio Complex ground level lake view<div class='posterous_autopost'><p><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12px; color: #333333;"> <p>1050 Villiago Circle Unit 106 Sarasota, FL 34237</p> <p>MLS # A3932182</p> <p>This is a very nice condition short sale in the Viliago Condos near Tuttle and Fruitville. The Villiago condos are a grated community with a superb location for those seeking a central sarasota address. If you are looking for a condo in the downtown sarasota area for less than a 1/3 of the cost new, Then you have to come and see this one.</p> <p>The owners have kept the unit well maintained, and have upgraded the kitchen, and the baths with nice granite counter tops. The living area feature a neutral tile, and there is a nice lake view off the front porch area.</p> <p>If you are looking for a great buy condo in sarasota then call Joe Murphy today to see this great sarasota condo in the villiago complex. 941-780-3260. </p> <p>Complete details can be found on the web site <a href="http://www.manateemoves.com/" style="color: #1e77b9; text-decoration: underline;">www.manateemoves.com</a></p> <p> </p> <p><div style="width:800px;height:600px;padding:0px;"><iframe title="villagio Condo Great Central Sarasota location" src="http://tour.previsite.com/2CA84E87-747C-8249-DB64-EAD4D8FC41F9&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></p> <div class="agent_signature"> <p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: #1e77b9; text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: #1e77b9; text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: #1e77b9; text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p> <p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p> <p>Coldwell Banker Residential Real Estate</p> <p>941-780-3260 cell</p> <p>941-840-0150 office</p> <p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p> <p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p> </div> </span>Joseph C. Murphy, Broker-Associate, BS, Previews Certified</p> <div><br /> <div>Coldwell Banker Residential Real Estate</div> <div>11215 State Road 70 Suite 105</div> <div>Lakewood Ranch, FL 34202</div> <p /> <div>941-780-3260 cell/text</div> <div>941-739-6777 office</div> <div>941-739-9120 fax</div> <p /> <div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sarasota-condo-in-the-villagio-complex-ground">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7029972982462080880?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-24411854303948845712010-09-20T16:17:00.001-07:002010-09-20T16:17:18.346-07:00Sarasota Condo in the Villagio Complex ground level lake view<div class='posterous_autopost'><div style=""><p>1050 Villiago Circle Unit 106 Sarasota, FL 34237</p> <p>MLS # A3932182</p><p>This is a very nice condition short sale in the Viliago Condos near Tuttle and Fruitville. The Villiago condos are a grated community with a superb location for those seeking a central sarasota address. If you are looking for a condo in the downtown sarasota area for less than a 1/3 of the cost new, Then you have to come and see this one.</p> <p>The owners have kept the unit well maintained, and have upgraded the kitchen, and the baths with nice granite counter tops. The living area feature a neutral tile, and there is a nice lake view off the front porch area.</p> <p>If you are looking for a great buy condo in sarasota then call Joe Murphy today to see this great sarasota condo in the villiago complex. 941-780-3260. </p><p>Complete details can be found on the web site <a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;">www.manateemoves.com</a></p> <p> </p><p /><div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p><p>941-840-0150 office</p><p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p><p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p> </div></div>Joseph C. Murphy, Broker-Associate, BS, Previews Certified<div><br /><div>Coldwell Banker Residential Real Estate</div><div>11215 State Road 70 Suite 105</div><div>Lakewood Ranch, FL 34202</div><p /><div> 941-780-3260 cell/text</div><div>941-739-6777 office</div><div>941-739-9120 fax</div><p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sarasota-condo-in-the-villagio-complex-ground">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2441185430394884571?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-76723151881491460352010-09-20T16:12:00.001-07:002010-09-20T16:12:11.512-07:00Sarasota Condo ground level built in 2002 nice lake view $81,500<div class='posterous_autopost'><div style=""><p>1050 Villiago Circle Unit 106 Sarasota, FL 34237</p> <p>MLS # A3932182</p><p>Short Sale</p><p>This is a very nice condition short sale in the Viliago Condos near Tuttle and Fruitville. The Villiago condos are a grated community with a superb location for those seeking a central sarasota address. If you are looking for a condo in the downtown sarasota area for less than a 1/3 of the cost new, Then you have to come and see this one.</p> <p>The owners have kept the unit well maintained, and have upgraded the kitchen, and the baths with nice granite counter tops. The living area feature a neutral tile, and there is a nice lake view off the front porch area.</p> <p>If you are looking for a great buy condo in sarasota then call Joe Murphy today to see this great sarasota condo in the villiago complex. 941-780-3260. </p><p>Complete details can be found on the web site <a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;">www.manateemoves.com</a> mls # A3932182</p> <p> </p><p /><div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p><p>941-840-0150 office</p><p><br /></p></div></div><div><p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sarasota-condo-ground-level-built-in-2002-nic">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7672315188149146035?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-59308595887957542352010-09-17T15:30:00.001-07:002010-09-17T15:30:18.257-07:00Market update report for Manatee County Florida August 2009<div class='posterous_autopost'> <div> <p>Sales have been picking up in bradenton, fl. Manatee county real estate sales in August were up compared to July. Interesting since this is supposed to be the slowest time of the year!</p> <p>Inventory is staying pretty level with 4800 homes and condos for sale in Manatee county.</p> <p>Pending sales have spiked 27% from July! I can attest to the increase in activity with mulitple offers common.</p> <p>This past week I sold two homes for above the listing price.</p> <p><img src="http://activerain.com/image_store/uploads/2/3/3/6/7/ar128476225676332.png" height="563" alt="" style="VERTICAL-ALIGN: middle;" /></p> <div class="agent_signature"> <p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p> <p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p> <p>Coldwell Banker Residential Real Estate</p> <p>941-780-3260 cell</p> <p>941-840-0150 office</p> <p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p> <p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p></div></div> <p> <div><a href="http://www.manateemoves.com/" target="_blank">www.manateemoves.com</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/market-update-report-for-manatee-county-flori">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5930859588795754235?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-57154786068911818002010-09-16T17:02:00.001-07:002010-09-16T17:02:43.117-07:00I withdrew a short sale listing today. I couldn't be happier!<div class='posterous_autopost'><div style=""><p>I listed a home this past week in Bradenton, and really she didn't want to sell it. Those are the toughest appointments. It's one thing when the seller wants to move, or has too. But when a seller really loves their home having to put them on the market is not pleasant. In <a href="http://www.manateemoves.com/" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">Bradenton and Sarasota foreclosures</a> and short sales are now accounting for more than 60% of the transactions. If we can lower the amount of people having to list that would rather stay it will help stabilize the market's downward path.</p><p><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/oUUtWURtFMuz435Rp8s52UdX6xRTFz6HVHCXSO4tZWV5hbSHFVWUHHMAgv7W/ar128449432937427.jpeg" width="320" height="240"/> </p><p>After seeing her situation a loan modification really made a lot more sense for her. She was previously denied, but I encouraged her to "try one more time". Since the new <a href="http://activerain.com/blogs/http//:www.manateemoves.com" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">HAFA and HAMP program</a>. I thought it was worth a shot. She had two liens, and had been denied on two prior attempts due to insufficient income to qualify. Well, my answer was to try again based on what her income really is, and with a clearly stated hardship try again. </p><p><strong><em>To her, and her attorney's surprise, they approved a loan modification that put the arrears at the end of the loan, lowered her interest rates to 2% interest only, and 4.5% fixed thereafter. WOW!</em></strong> </p><p> I am glad that this one fell through, for her sake. Her payment is now lower than what she would have spent to rent an inferior home. The neighbors are happy since this means one less short sale or foreclosure pulling down property values in her Bradenton, fl home.</p><p>If you are facing financial hardship, and you want to keep your home my advice is you fight for it. Right now in Sarasota and Bradenton there are over 26,000 homes in some stage of foreclosure. If you want to get a loan modification keep at it. Common sense says that banks like chase get a benefit from doing a loan modification versus a foreclosure and even a short sale. Sometimes we all jut need a little confidence</p><p>Here is her note that she left on my facebook. </p><p><strong>"Joe Murphy was recommended to us by a friend. After meeting with Joe we where impressed by his knowledge, honesty, straightforwardness, and his willingness to discuss all our options. Joe brought to our attention all the money, time, and hard work we had put into making this house our home. Joe Murphy is the man who gave us the knowledge and courage to fight for what we had worked so hard for. Had it not been for Joe giving us the confidence to do what was needed to save our home and financial future we would be renters with a scarred credit record that would follow us for years to come. Joe Murphy is not just a Realtor, he is a good man and friend who helped us make a good financial decision and for that we will be forever grateful. If you are looking for someone who is not just a Realtor but is a family man with a conscious then Joe Murphy is your man, he is ours and will be for years to come. Thank you Joe!"</strong></p><p>If you need help with a short sale or loan modification here in Sarasota or Bradenton please feel free to give me a call. <a href="http://www.manateemoves.com/" title="manateemoves.com" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">Joe Murphy, Realtor, Coldwell Banker Residential</a>. Short Sale expert for Sarasota and Bradenton.</p><p>941-780-3260</p><div class="agent_signature"><p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p><p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p><p>941-840-0150 office</p><p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p><p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p></div></div><p></p><p><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/YGcdeYtOW3n5OhdA5mJKaTte2VAqYnr54MArQS17etYbQoqFPYjGUcA4qxrO/ar126336553850138.png" width="65" height="65"/> <img src="http://posterous.com/getfile/files.posterous.com/manateemoves/tsDT30RjGyKbem51YlD2MrUWPdjGfVAA48L0apiBGR2uRPeTuCtPsO1PWtC3/ar126336450486851.png" width="65" height="65"/> <img src="http://posterous.com/getfile/files.posterous.com/manateemoves/QQ8RcfKKdvyTRVhF9tTTVEelDZVimemkgxdy28p0QFPzCFd9PJpDprfm2gOx/ar126336508346431.png" width="65" height="65"/> <div><a href='http://manateemoves.posterous.com/i-withdrew-a-short-sale-listing-today-i-could'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/i-withdrew-a-short-sale-listing-today-i-could">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5715478606891181800?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-89578842264929940052010-09-15T20:11:00.001-07:002010-09-15T20:11:43.353-07:00sometimes we all need to gain some perspective when we get overwhelmed<div class='posterous_autopost'><div style=""><p>Check out this interesting power point presentation. I was sent this by my mother. Mom always knows best! It Astonomy 101. Amazing pictures of outer space as seen from the Hubble telescope. I love anything to do with space. Let me know what you think.<object name="doc_565689023280656" data="http://d1.scribdassets.com/ScribdViewer.swf" type="application/x-shockwave-flash" height="600" style="height: 578px;" width="450"></object></p> <p>When you get a perspective of how big the universe is the day to day problems that we have that seem insurmountable become a little trivial.. </p><p>I think that we all need to step back from the stressful world we live in and take stock in what really matters. </p> <p>This slide show did that for me. Perhaps it will help you reduce your stress, and gain valuable perspective on your life.</p><p> </p><div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> </div><p></p></div>Joseph C. Murphy, Broker-Associate, BS, Previews Certified<div><br /><div>Coldwell Banker Residential Real Estate</div><div>11215 State Road 70 Suite 105</div><div>Lakewood Ranch, FL 34202</div><p /><div>941-780-3260 cell/text</div><div>941-739-6777 office</div><div>941-739-9120 fax</div><p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sometimes-we-all-need-to-gain-some-perspectiv">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8957884226492994005?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-18788162875070490482010-09-13T22:48:00.001-07:002010-09-13T22:48:34.330-07:00panther ridge 5 acres 3 bedroom pool home perfect condition<div class='posterous_autopost'><div style=""><p>M5816134<img title="5902 225th st east bradenton, fl 34211" src="http://activerain.com/image_store/uploads/7/4/0/1/5/ar128444295051047.JPG" height="597" alt="" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" /></p> <p>Just listed in the <a href="http://www.manateemoves.com/properties/featured-properties/5-acres-no-deed-restrictions-perfect-pool-home/" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">Panther Ridge</a> area of East Bradenton this is a updated, and immaculate home sitting on a well maintained 5 acre parcel. The 5 acres of land is mostly fenced, and features a nice stocked pond. Well drained, and with almost all thhe property usable, this would make an ideal site for someone that is ready to play farmville in real life!</p> <p> </p><p><object height="277" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="500"></object></p><p>The home was built in 1997 by the custom, local builder, Mark Cahill. It is a Ranch layout, with 3 large bedrooms, a den, formal dining room, living room, and large family room off the kitchen. The home has had many updates and upgrades including a new A/C system, granite counter tops and updated appliances.</p> <p> </p><p>The family room has a nice wood buring fireplace.</p><p>You will enjoy relaxing by the pool while the outdoor kitchen will inspire that inner grill master. M5816134 is the MLS number for this great Lakewood Ranch area home with no restrictions, and no HOA fees.</p> <p><a href="http://www.manateemoves.com/properties/featured-properties/5-acres-no-deed-restrictions-perfect-pool-home/" title="manateemoves.com" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">5902 225th st</a> is also not a short sale. Realistic sellers have priced this home to sell, and are motivated. No long waiting periods waiting for a bank response. </p> <p>If you are looking for a east county home with the location near Lakewood Ranch, but with no deed restirictions then this is a must see bradenton acreage home.</p><p>For even more details and info please check out my web site <a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;">www.manateemoves.com</a> to see the virtual tour, high definition video, and over 50 photos. </p> <p>If you are looing for a realtor iin bradenton and sarasota make sure to talk with <a href="http://www.manateemoves.com/properties/featured-properties/5-acres-no-deed-restrictions-perfect-pool-home/" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;">Joe Murphy.</a> A leading real estate agent in sarasota and bradenton.</p> <p> </</</p><p /><div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p><p>941-840-0150 office</p><p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p><p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p> </div><p></p></div><span style=""> </span>Joseph C. Murphy, Broker-Associate, BS, Previews Certified<div> <br /><div>Coldwell Banker Residential Real Estate</div><div>11215 State Road 70 Suite 105</div><div>Lakewood Ranch, FL 34202</div><p /><div>941-780-3260 cell/text</div><div>941-739-6777 office</div><div>941-739-9120 fax</div> <p /><div><a href="http://www.manateemoves.com" target="_blank">www.manateemoves.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/panther-ridge-5-acres-3-bedroom-pool-home-per">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-1878816287507049048?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-826209051178394242010-09-06T21:35:00.001-07:002010-09-06T21:35:57.013-07:00Lakewood Ranch 4 bedroom pool home with a lake view- former model home.<div class='posterous_autopost'><p>Lakewood Ranch lake view pool home with 4 bedrooms, 3 full baths, and a pool and southern lake view that can't be beat. MLS #<a href="http://www.manateemoves.com/communities/bradenton-neighborhoods/greenbrook-in-lakewood-ranch/" target="_blank">M5815919</a> Priced realistically too the market at 375,000. This is not a short sale or foreclosure home. I dare you to find a home in better condition in this price range and in Lakewood Ranch. </p> <div>This home really is a"Perfect 10". It was a model, and sits on a premium southern rear exposure lot in Greenbrook Village of Lakewood Ranch. Being a former model home you get all the added extras that most homes miss. For example, this house has a full intercom, and sound system. Gas and Solar heated hot water, and both Gas and Solar heating for the pool. </div> <div> </div> <div>The owners just updated the A/C to a top of the line 20 seer rated Trane System. Five years of service contract convey to the new owners.</div> <div> </div> <div>The home is available fully furnished, minus a few items. So you can have it the way you see it. </div> <div> </div> <div>Did I mention this is a Normal Sale? No waiting for bank approval with a typical short sale. No bidding wars or runaround from a typical bank owned sale either. Seller is realistic, and motivated for a quick sale. Closing can be flexible too. </div> <p>The pool has an infinity edge, so it blends in with the water view. Plenty of sun all year on the screened lanai with plenty of deck space to enjoy the sun and the pool.</p> <div>Check out the HD Video tour of the home, and the numerous photos I have on my <a href="http://www.manateemoves.com/communities/bradenton-neighborhoods/greenbrook-in-lakewood-ranch/" target="_blank">real estate web site for lakewood ranch</a> New on the Market. Former Homes by Towne Model. 4BR/3B + large bonus room! Split plan, private master overlooking the lake and pool.</div> <div> </div> <p>Granite counter tops in the bright kitchen. Formal living and dining rooms.Mature landscape, Infinity pool with lighting. Exquisite window treatments in all rooms are included. Designer furnishings may be purchased separately. New A/C installed late '09 - 5 yr warranty, solar panels.</p> <div>MLS NUMBER M5815919</div> <div> </div> <div> </div> <div> <iframe class="youtube-player" src="http://www.youtube.com/embed/k59eF4tMjXo" frameborder="0" type="text/html" height="385" width="640"></iframe></div> <div> </div> <div>Looking for help buying or selling in Lakewood Ranch? Joe Murphy can help you with all your real estate needs. Short sales, foreclosures, and everything else. <a href="http://www.manateemoves.com/about-2/realtor/" target="_blank">joe Murphy</a> is an expert realtor in bradenton, sarasota and lakewood ranch.</div> <div class="agent_signature"> <p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p> <p>Call/Text/email me anytime. I am an experienced Real Estate agent in Sarasota and Bradenton that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p> <p>Coldwell Banker Residential Real Estate</p> <p>941-780-3260 cell</p> <p>941-840-0150 office</p> <p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p> <p><a href="http://www.manateemoves.com/">www.manateemoves.com</a></p></div> <div class="clearer"> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/lakewood-ranch-4-bedroom-pool-home-with-a-lak">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-82620905117839424?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com1tag:blogger.com,1999:blog-37263107.post-19777558953126081732010-09-01T22:28:00.001-07:002010-09-01T22:28:48.645-07:00palmetto short sale 4 bedroom pool home 3 car garage<div class='posterous_autopost'>Just listed for 170,000. This is a 2006 built home in Palmetto, FL. It's a short sale. It has 4 bedrooms, 2 bathrooms, and a 3 car garage. Nice caged pool, and large fenced back yard.<p /><div><br /><div>Worth a look if you are looking for a newer home in Palmetto Florida. Needs al little TLC, but it is spacious, and has a great open floorplan and is realistically priced too.</div> <div><iframe class="youtube-player" src="http://www.youtube.com/embed/yj9H7V4djZQ" frameborder="0" type="text/html" height="360" width="580"></iframe></div> <p /><div>for more info check out my my<a href="http://www.manateemoves.com"> real estate blog for manatee county</a></div><p /><div>When you need a <a href="http://www.manateemoves.com">short sale expert</a> whether buying or selling. Call Joe Murphy, Real Estate Agent in Manatee County. Short Sale Expert with dozens of successfully closed short sale transactions. </div> <div>Joe Murphy, Broker-Associate</div><div>Coldwell Banker Residential Real Estate.</div><p /><div><a href="http://www.manateemoves.com">www.manateemoves.com</a><br /><div title="signature"><p>Thanks,<p />Joseph C Murphy, P.A.<br /> Broker Associate with Coldwell Banker Residential Real Estate<br /><em>Awarded Five Star Agent for 2004-2009</em><br /><em>Member of the Top 100 CB agents for Florida 5 years<br /></em>941-780-3260 cell/text<br /><a href="http://www.manateemoves.com" title="manatee moves web site" target="_blank">www.manateemoves.com</a><br /> <a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br /><a href="http://www.homeinsight.com/Widget/default.asp?COX45ZDNW48Q" title="Home value system" target="_blank">Interested to know what your home is worth?</a><p /> <span style="font-family: arial;"><span style="font-size: small;"><br /></span></span></p></div></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/palmetto-short-sale-4-bedroom-pool-home-3-car">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-1977755895312608173?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-12682440094426565162010-08-31T19:19:00.001-07:002010-08-31T19:19:56.413-07:004411 Galaway- Great central Sarasota location fenced yard, 1900sqft<div class='posterous_autopost'><p><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/5QcgPWLNWzcA4a7lISVkjHcQT4c457gpOc00p8ZKattHsTVlzSO7ihWOs1cC/IMG_5184.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/hGV3ZEL8VcNKYAMFrg5MFSwovSmhDRUOuPTKctffYmtK8DRn89PnntazGIvm/IMG_5184.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/rG271vK9LDqzgpnlJx149myzKpEHeoPJ0X0YS7mZyAifo8iSwN6Mxwsosns5/IMG_5185.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/CVqeuSjZ51SP2G5LIEFww1oUXe1n0alaLCPCLevKDxbOiu8xb4jsSA3btT1I/IMG_5185.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/9Sb9YOqj8tjHViFev0zrwjPGUe4jheX2ko7KaC5fDoBld9D7wi9btUYH2l5Z/IMG_5186.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/HUNBzbcslEpEwzx4JaFhlpQnGB2o4Pe3K7AAD4aqv0DQdVreo9Km41uuly7T/IMG_5186.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a 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height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/4xKzkxtdYocxYwA6Qq19Gwsp8Zq6lqBvmy6hC25P0FTHFDjHrohwV3KmJN8g/IMG_5208.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/SqWWlZXznxxNBuOfGf1uI70gLQDtl3zmPWVy0jl7DWRtukItVfyepzJV4S6b/IMG_5208.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/BSCzEC8YdYbtne2CIH3IDAab8wIhRlpfZtVq6zE27Bqa9h5dq657kZLeOY3F/IMG_5209.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/XcB51iGkBIKJP9qsC3HrAUpfY9g3T1Vr9McUExicd0Xai3YiI1chzOxHZmWt/IMG_5209.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/fW7kyps3h3qZIKHoLUMDeiv4CiI2oqsslwws2RkjtWv9Ozl5A7q2Kh4SdIBK/IMG_5210.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/lItAt3UWvCvDSRoEh4S6M9njCDOONRUTbbc3ToPZain8RWDBOgBD068gzZtP/IMG_5210.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/RFwAHtEJS3weSAiBgVR1Y7Dh8JLs0poIJb1ANiQb0wj6h7XaVjEV2YiilRDp/IMG_5212.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/eZiCWoCMkjoK2sDqdKN8iDMiVLX0BsTupl2WJforLklGwY4sfK0Fpye1r7tp/IMG_5212.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/2qvJN2C5NBCXT2CIgT9yA1r2YAUjH7lzkp4ZZltcBLBEHwy4xsBodSD8kzub/IMG_5213.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/tGwyZNlZVyL0100EYq7bSHBSVnW7nLaa1WEAnAnaeCUodHfKM4L2PqRccsD9/IMG_5213.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/FMNdXzLNW3fmzJmIZGsmJpOAeGqGhzBnNeSJ1fCj1mJ0xanC9PGDana4wdfD/IMG_5214.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/YnMc3Zy9VujLSBMiz09RO3VRVlhMzERSYB3SkDYzuwYeCFGJgx4MKqZJkiRy/IMG_5214.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/TUcVpwP5aaKyolYZSn9FewFnInGyA62m8NXuJqOsBbX0KqWQXzl3AdQl8Ce3/IMG_5215.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/9YrBPBwxsdlIDKpsk0MEiXwdj68jD0SolWYPgkcsjpnCIDpMlDG3Ua8DaPOs/IMG_5215.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/Z5BzlwsahIXjwZc3i6Rb49fpDNCj908rS56Du2gqZwun1Ve4PtSJBUfGgjeP/IMG_5216.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/f93bfF4vU7G1CdZWu1kvijoiSqe3o2f92E6zKipb99ZeOJF8Q5mTCTjo6qGm/IMG_5216.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/0ezCiUOju0ABPKHZgh8weHRtLI92XHOtGgluQTs6AySBaVf8Wp8mELkizyfW/IMG_5217.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/1SSAdO6TsHxCO4BivMwHBEopx2qDk1pTf95Wx766FHBuvZXgaSAbf7Szcecw/IMG_5217.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/N9dARVtrGBEwZSZPla3OCSsD1jZGXbtzKaXdyd5KY7OP3sFmBC0rvRCDubUD/IMG_5218.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/ok62g5cV3vNnMdjZW7fx61QUhH91Uey8XSR4wDq8u2ChhN6AzYDYRTUrf8t5/IMG_5218.jpeg.scaled.500.jpg" width="500" height="373"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/FVWSGJIQrvZQETwyHfgCVlGsDax8HBAM8Sts56Q5LS6wCKmVkQ5296DmVdXo/IMG_5219.jpeg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/5qrx9Kpe5sN9xQCQRqOdirmClN6jprceG4YJH3dJEOSMbAZPJYBo9V2Uzomu/IMG_5219.jpeg.scaled.500.jpg" width="500" height="373"/></a> <div><a href='http://manateemoves.posterous.com/4411-galaway-great-central-sarasota-location'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/4411-galaway-great-central-sarasota-location">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-1268244009442656516?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-87992106572648115122010-08-27T17:36:00.001-07:002010-08-27T17:36:47.749-07:00Sarasota short sale 3 bedroom home bargain<div class='posterous_autopost'><div>If you are looking for a great buy in a central sarasota location, look no further. This one has a spacious fenced yard, new metal roof, travertine floors.</div> <div> </div> <div>It needs some work, but it is spacious and could be an amazing home. Some drywall repairs, a minor roof leak, and installing a new bathroom. The price has just been reduced now to 119,000. Come and make an offer today!</div> <div> </div> <div>We have an experience dealing with short sales. This one should go very smooth with one mortgage with Wells Fargo, and a attorney assisting with the short sale negotiation. Don't be afraid of this short sale!</div> <div> </div> <div>This is one of the best value short sale in sarasota. located at 3040 Irving Street Sarasota. Right near the YMCA, and close to all that Sarasota has to offer.</div> <div> </div> <div>When you are looking to buy or sell a short sale in sarasota or bradenton turn to Joe Murphy, your short sale expert! Call 941-780-3260</div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="3040 Irving Street" src="http://tour.previsite.com/8920023F-3F01-9A4C-7C30-F9CC5AF6DFF6&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/sarasota-short-sale-3-bedroom-home-bargain">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8799210657264811512?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-55096614767735898062010-08-27T17:16:00.001-07:002010-08-27T17:16:53.731-07:00pre-foreclosure in Parrish bargain price and move in ready<div class='posterous_autopost'><div>Wow! This is a great short sale deal in Parrish, FL. If you are tired of looking at rough, and trashed short sale listings you will be surprised at how nice the home is in the Aberdeen subdivision in Parrish. </div> <div> </div> <div>Open floor plan, like a new home. This really is a move in ready short sale. Located in Parrish, FL near shopping, and the ellenton outlet mall.</div> <div> </div> <div>Located on a quiet cul-de-sac in desirable east Manatee County. </div> <div> </div> <div>Open floor plan and 18 inch tile through out. Relaxing master suite with garden tub. </div> <div> </div> <div>Super easy access to I-75 leading to Sarasota, St. Pete or Tampa. Close to popular outlet mall. Listing price may not be sufficient to pay the total of all liens and costs of sale, and Sale of Property at full listing price may require approval of seller's lender(s). </div> <div> </div> <div>When you are ready to buy or sell a short sale home in Bradenton, Sarasota, or Parrish make sure and call Joe Murphy. Short Sale Expert for Sarasota and Bradenton. 941-780-3260</div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="10211 38th East Court Parrish FL" src="http://tour.previsite.com/56934ED7-1049-6524-5228-F1267DC3720F&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/pre-foreclosure-in-parrish-bargain-price-and">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5509661476773589806?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-62079641373343195782010-08-27T16:57:00.001-07:002010-08-27T16:57:39.260-07:00Valencia condo in Hyde Park Tampa New condo with a great view<div class='posterous_autopost'><p><p>Located in Hyde Park in Tampa, this new condo in the Valencia building is a must see if you want the ultimate location, and a elegant, spacious, 2 bedroom condo. </p><br /><p>Featuring wood floors, real wood plantation shutters, granite counter tops, wood cabinets, and in move in condition. </p><br /> <p>Located on the 5th floor of the Valencia building in Hyde Park. This condo was built in 2007 so it's one of the newest hyde park condos on the market. From the 5th floor the view to the south east from the spacious patio gives you a full view of the downtown Tampa skyline. </p><br /> <p>Check out my video tour, and the virtual tour too. I am sure you will like what you see! When you are ready to live the downtown Hyde Park lifestyle in a luxury condo give me a call for a private showing!</p><br /> <div style="width: 800px; height: 600px; padding: 0px;"><iframe title="603 South Rome Ave Unit 503 Tampa, FL Valencia condo" src="http://tour.previsite.com/5FAFC530-B702-4B1E-92E7-E58B37CA891B&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></p> <p><iframe class="youtube-player" src="http://www.youtube.com/embed/_H3omkW7SrM" frameborder="0" type="text/html" height="405" width="660"></iframe><br /> </p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/valencia-condo-in-hyde-park-tampa-new-condo-w">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-6207964137334319578?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-34215787554798316502010-08-24T20:06:00.000-07:002010-08-24T20:06:52.743-07:006902 13th West Ave Bradenton, FL 34209 Village Green 145,000<object style="background-image:url(http://i2.ytimg.com/vi/muE0w0lWkoE/hqdefault.jpg)" width="480" height="295"><param name="movie" value="http://www.youtube.com/v/muE0w0lWkoE?fs=1&hl=en_US"><param name="allowFullScreen" value="true"><param name="allowscriptaccess" value="always"><embed src="http://www.youtube.com/v/muE0w0lWkoE?fs=1&hl=en_US" width="480" height="295" allowscriptaccess="never" allowfullscreen="true" wmode="transparent" type="application/x-shockwave-flash"></embed></object><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3421578755479831650?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-84282385710993716882010-07-15T08:56:00.001-07:002010-07-15T08:56:23.679-07:006722 64th Ter East- Whisper Bend<div class='posterous_autopost'><div>This home has a comfortable floor plan that flows throughout it's 3 bedrooms, 2 full bathrooms, den/4bdrm, formal living and dinning area's.</div> <div>Large open kitchen with lot's of cabinet and counter space, huge laudry room conveniently off the kitchen, large slider doors opening up from the living room to the screened in lania. </div> <div>Spoil yourself in the grand master bedroom with his/her walk-in closets, dressing mirror and bench seat, large master bathroom with his/her sinks, garden tub, walk-in shower. </div> <div>This home lies in a sought out location, with less then 2 miles walking distance to Jigs Landing, public Tara Preserve Golf course, some of the best schools in Manatee County, parks, shopping, beaches and more!No CDD fee's and low HOA. Call me today, this one will be gone tomorrow.</div> <div> </div> <div>Contact: Chelie Plicinski at 941-238-7732 <a href="mailto:chelieplicinski@verizon.net">chelieplicinski@verizon.net</a></div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="6722 64th Ter E, move-in ready home" src="http://tour.previsite.com/525FDE99-2149-10A4-45B7-37129D76605A&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/6722-64th-ter-east-whisper-bend">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8428238571099371688?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com2tag:blogger.com,1999:blog-37263107.post-37442505492006201872010-06-16T09:39:00.001-07:002010-06-16T09:39:35.224-07:00Back on the market later today! 54,000 for a 2 bed 2 bath 1st floor condo close to downtown Sarasota- Loaded<div class='posterous_autopost'>I wanted you to know about this great buy. <p /> $54,000 -2700 Coconut Bay Lane Unit 1A<p /> This is located in the Sarasota Palms condo complex, near the corner of Tuttle, and Fruitville. You can ride a bike, or even walk to downtown from this location. <p /> This unit went pending quickly last month, with a contract at 49,000. Bank of America countered the offer at 53,000, and these buyer decided not to meet the price. Waiting on paperwork to put it back to active. Full listing info at the bottom of the email. <p /> What I like about the condo:<p /> <ul><li>316 a month condo fee is reasonable</li><li>under 800 a year for taxes</li><li>end unit, easy </li>access in and out, no elevators or stairs to deal with <li>great location, minutes to downtown sarasota</li><li>granite countertops in kitchen and bath</li><li>stainless steel appliances too</li><li>nice size bedrooms</li><li>crown molding </li><li>nice neutral, large tile set on the angle</li><li>This is a short sale that should be pretty hassle free. The lender ( bank of america) has already done their BPO, and they have been very quick to respond back to me.</li></ul>Please feel free to contact me if you have any interest, or forward to anyone that might consider getting a bargain sarasota condo.<p /> Thanks,<p /> Joe Murphy<br /><ul><ul></ul><br />JOSEPH MURPHY, P.A.<br />941-780-3260 cell/text<p />COLDWELL BANKER RESIDENTIAL RE<br />11215 SR 70 SUITE #105<br />Bradenton, FL 34202<br />E-mail: <a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br /><ul></ul><br /><a href="http://mfr.mlxchange.com/Pub/EmailView.asp?r=954626199&s=MFR&t=MFR" target="_blank">01-Res Broker Synopsis</a><p /></ul> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/back-on-the-market-later-today-54000-for-a-2">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3744250549200620187?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com6tag:blogger.com,1999:blog-37263107.post-7999366791147545342010-05-21T19:33:00.001-07:002010-05-21T19:33:47.020-07:00Best Value in Waterlefe, 199k on the golf course<div class='posterous_autopost'><span style="font-family: Lucida Grande; font-size: 12px; line-height: 16px;"><div style="width:800px;height:600px;padding:0px;"><iframe title="641 Foggy Morn Lane, Waterlefe Bradenton Florida" src="http://tour.previsite.com/A86D32FF-904E-435A-C574-64E90AE4A564&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></span> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/best-value-in-waterlefe-199k-on-the-golf-cour">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-799936679114754534?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-73213974560743691402010-05-21T16:14:00.001-07:002010-05-21T16:14:30.336-07:00Short Sale approval in hand! 129,500<div class='posterous_autopost'><div>This home just came back on the market yesterday. The photos were taken today 5/21. Located in Sabal harbour this is a great deal, without any hassles of typical short sales.</div> <div>Priced at the bottom, we need a full price offer, </div> <div>Call Joe Murphy today to schedule a showing on this great home! 941-780-3260</div> <div>coldwell banker residential real estate</div> <div>bradenton, fl</div> <div><a href="http://www.manateemoves.com/">www.manateemoves.com</a></div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="APPROVED SHORT SALE! 129,500" src="http://tour.previsite.com/38BC4F06-CC15-C7B7-BF0E-7483DDE64EB2&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/short-sale-approval-in-hand-129500">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-7321397456074369140?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-53689275628526419542010-05-20T18:08:00.001-07:002010-05-20T18:08:40.079-07:00Our kids got to see woody from toy story at the Disney on ice show<div class='posterous_autopost'><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/2reWAoawlbDuJRvLb4wnuGGF7O8CF58zdfEsoqr0edgF5oH2LS7SVQHs95Ec/photo.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/WCJb1GxGBZiFI1gRXUKoLsF3CfCNhOIh4a0qHB5wA658Gc2QAjcxLRkfG1Q4/photo.jpg.scaled.500.jpg" width="500" height="375"/></a> <p>Sent from my iPhone</p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/our-kids-got-to-see-woody-from-toy-story-at-t">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5368927562852641954?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-22923913453086807752010-05-18T18:57:00.001-07:002010-05-18T18:57:08.938-07:00849k-Golf course views from your Boat Dock! 1031 Rainbow Court Bradenton, FL<div class='posterous_autopost'><div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">just listed and first time on the market. 1031 Rainbow Court in Bradenton FL. Waterlefe golf and river club.</span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;"></span> </div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;"></span> </div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">Immaculate Estate pool home in <a href="http://www.waterlefehomevalues.com/">Waterlefe</a> featuring golf course views and a private boat dock.</span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;"></span> </div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">Imagine relaxing by your <em>sparkling </em>pool and seeing your <em><strong>boat by your dock</strong></em>, and the <strong><em>pristine golf course views</em></strong> beyond. </span></div> <p style="TEXT-ALIGN: center;"><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/ZtEXBsj4PJiZuCiCt21ukwVnk1brs7XSHN6T69baaqCoFekluX2VyUjcZfk2/IMG_0034.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/yJEjUDupdcaHVu74Sxuh0GnHTE7aoOBEXS9FDmCjtB35FCymxeyh1FAfHvYZ/IMG_0034.jpg.scaled.500.jpg" width="500" height="375"/></a> </span></p> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;">Just listed at 849,000. This is immaculate condition, and realistically priced.</span></div> <p style="TEXT-ALIGN: center;"><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/su1lOOuVntqUzd0ZV0ACmGF4N0LOkRu3HbNX81tuX5Ae4RMjFPX03IyTE0KT/IMG_0038.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/w28NnR1MuWCCuueL8bQXEMoyv6HxfbpdBZuh2zbtH08NIIVohpINUSIMDmE0/IMG_0038.jpg.scaled.500.jpg" width="500" height="375"/></a> </span></p> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">Truly the best of both worlds, very few properties allow you to have the best of waterfront and golf community living like waterlefe. </span><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"></span></div> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">The Home is a well laid out 4 bedroom, 3 bath home complete with a den, three car garage, summer kitchen, and oversized lanai with heated pool and spa. <br /> </span></div> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">The owners have taken the care to upgrade the home to the max, and their attention to detail will make you smile. The home may be bought furnished with a separate agreement for those items. </span></div> <p /> <p style="TEXT-ALIGN: center;"><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/2S3upSdWI0SQGUH2CgOv61LfFwNnGUGKmYAUKoPt4p41aRGQQBmh5Ynk181R/IMG_0411.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/NKNyzN3Q130px08qN8ic2Mrjb3OJxGF9BzMxZCpuKlainQm8eFp7ggMn6056/IMG_0411.jpg.scaled.500.jpg" width="500" height="375"/></a> </span></p> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px; FONT-FAMILY: Lucida Grande;">A great value in a home that has been lightly used occasionally as a vacation home. It is really better than new condition. Please take your time to view the extensive photos and see for yourself this exquisite home in Waterlefe.</span></div> <p /> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-upgraded to the max</strong></span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-boat dock with access to the Manatee River and Gulf of Mexico</strong></span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-Heated pool and spa</strong></span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-Summer Kitchen</strong></span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-Open Layout</strong></span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-Large Kitchen</strong></span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><strong>-available fully furnished</strong></span></div> <p /> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;">Call Joe Murphy, Real Estate agent with Coldwell Banker Residential Real Estate Inc.</span></div> <div><span style="FONT-SIZE: 12px; LINE-HEIGHT: 16px;"><div style="width:800px;height:600px;padding:0px;"><iframe src="<a href="http://tour.previsite.com/97895131-C56C-F3CA-340C-497CEDE1CAF1&s=800x600&tpl=l0" target="_blank">http://tour.previsite.com/97895131-C56C-F3CA-340C-497CEDE1CAF1&amp;s=800x600&amp;tpl=l0</a>" frameborder="0" width="800" height="600" title="1031 Rainbow Ct"></iframe></div></span></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/849k-golf-course-views-from-your-boat-dock-10">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2292391345308680775?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-54711884992410409922010-05-16T18:41:00.001-07:002010-05-16T18:41:23.655-07:00just-completed new rental in country meadows in east manatee county 1795 a month a must see!<div class='posterous_autopost'><div>file:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0248.JPG</div><p /><div>file:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0249.JPGfile:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0256.JPGfile:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0257.JPGfile:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0254.JPGfile:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0251.JPGfile:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0250.JPGfile:///Volumes/NO%20NAME/DCIM/103MEDIA/IMG_0257.JPG</div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/just-completed-new-rental-in-country-meadows">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5471188499241040992?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-41382520643969186442010-05-16T08:14:00.001-07:002010-05-16T08:14:02.160-07:00Like Brand New! Heritage Harbour home for 129,900 not a short sale. Upgraded<div class='posterous_autopost'><span style="font-family: Lucida Grande; font-size: 12px; line-height: 16px;"><div style="width:800px;height:600px;padding:0px;"><iframe title="7050 Montauk Point Crossing" src="http://tour.previsite.com/E91866F9-DAA8-E473-1231-0E0BF86ECEEB&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></span> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/like-brand-new-heritage-harbour-home-for-1299">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4138252064396918644?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-40724680024564930982010-05-13T07:00:00.001-07:002010-05-13T07:00:11.415-07:00River place approved short sale.<div class='posterous_autopost'><div><p />Thanks,<p />Joseph C Murphy P.A.<br /><a href="http://www.manateemoves.com"></a><a href="http://www.manateemoves.com">www.manateemoves.com</a><br /><a href="mailto:joe@manateemoves.com"></a><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br />941-780-3260<p /><br /> <div class="gmail_quote">---------- Forwarded message ----------<br />From: <b class="gmail_sendername">Chelie Plicinski</b> <span><<a href="mailto:chelieplicinski@verizon.net"></a><a href="mailto:chelieplicinski@verizon.net">chelieplicinski@verizon.net</a>></span><br /> Date: Sat, Jan 30, 2010 at 8:20 AM<br />Subject: Emailing: 018, mixed photo's 052, mixed photo's 058, mixed photo's 060, mixed photo's 061, mixed photo's 067, mixed photo's 069, mixed photo's 076, 017<br /> To: <a href="mailto:mojohomes@gmail.com"></a><a href="mailto:mojohomes@gmail.com">mojohomes@gmail.com</a><p /><br /> Hey Joe, here are the Valente photo's<br />Your message is ready to be sent with the following file or link<br />attachments:<p />018<br />mixed photo's 052<br /> mixed photo's 058<br />mixed photo's 060<br />mixed photo's 061<br />mixed photo's 067<br />mixed photo's 069<br />mixed photo's 076<br />017<p /><br />Note: To protect against computer viruses, e-mail programs may prevent<br /> sending or receiving certain types of file attachments. Check your e-mail<br />security settings to determine how attachments are handled.<br /></div><br /> </div><p /> <p><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/2cwNkzBp0WeAWZUJUq2XRERPu7tRwDxZwGp0VtDbLLUGF51EmGb97V1PzA3d/018.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/uSOFA2Da82mvTYc60hYyYcVJyImwq4V9EA2oMBUfFvw9frHGzFBDj1PDtKZg/018.jpg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/WRo2kgSguQfOgjDne1DvoI0KvNkVP1lLctnuxs3ji8FmNu5H3OttqqfXP1m0/mixed_photos_052.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/4kIWAGXJMDbyeEeux7GQ69PvF0x0OvThI0b4czx4Q639sFjfcVkYL2AE7MIT/mixed_photos_052.jpg.scaled.500.jpg" width="500" height="375"/></a> <a href='http://posterous.com/getfile/files.posterous.com/manateemoves/nf4zzSDZaDLTCbNajZDplevFeg8rFOzAArFsYLFIsidpgjVflQhXCWMgdvU3/mixed_photos_058.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/U5oarCxw0N6CmNJ2yWDk6JaeTl4TYGTJFxvZSeOuIP2FnoxIUJUqHcDB9YUu/mixed_photos_058.jpg.scaled.500.jpg" width="500" height="375"/></a> <div><a href='http://manateemoves.posterous.com/river-place-approved-short-sale'>See and download the full gallery on posterous</a></div></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/river-place-approved-short-sale">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4072468002456493098?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-55354709508557903442010-05-11T15:32:00.001-07:002010-05-11T15:32:22.821-07:00Brand new home available for rental in Country meadows $1795/mo<div class='posterous_autopost'><div>Looking for a great long term rental in East Manatee County? This one should be considered. It is well upgraded, and has a huge 4 car tandem garage ( 2 cars wide, 2 cars deep). Upgraded granite, wood cabinets, and all yard care is included. The home is situated on a large (over 1/2 an acre) corner lot. </div> <div> </div> <div>Offered for 1795 a month. First, last, and security for immediate move in. 75 dollars for criminal and credit check application fee.</div> <div> </div> <div>Please give me a call if you are interested. Joe Murphy 941-780-3260 Coldwell Banker Residential Real Estate</div> <div> </div> <div><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></div> <div> </div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="14715 2nd Ave Circle East" src="http://tour.previsite.com/B8F90A6E-7534-84BE-729E-F13ABFB74528&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/brand-new-home-available-for-rental-in-countr">Joe Murphy Knows Real Estate in Bradenton</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5535470950855790344?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-28160081187566095282010-05-10T19:04:00.001-07:002010-05-10T19:04:43.265-07:00Short Sale Seminar May 12 5:30 at the Sarasota Hyatt<div class='posterous_autopost'>Riddell Title and 1031 Exchange is hosting a FREE short sale seminar this wednesday at the Hyatt in downtown Sarasota.<p /><div>I encourage anyone looking to learn more about the process to attend. I am sure that you will learn something about the process.</div> <p /><div>As always I am here to assist you with any of your real estate needs.</div><p /><div>Joe Murphy</div><p /><div>Coldwell Banker Residential Real Estate</div><p /><div><a href="http://www.manateemoves.com">www.manateemoves.com</a></div> <p /><div><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><p /><div class="gmail_quote">---------- Forwarded message ----------<br />From: <b class="gmail_sendername">Cyndi Riddell</b> <span><<a href="mailto:criddell@rlglawfirm.com">criddell@rlglawfirm.com</a>></span><br /> Date: Mon, May 10, 2010 at 10:09 AM<br />Subject: <br />To: "<a href="mailto:Joe@ManateeMoves.com">Joe@ManateeMoves.com</a>" <<a href="mailto:Joe@manateemoves.com">Joe@manateemoves.com</a>><p /><br /> <div> <div> <p><span style="font-size: 10.0pt; font-family: Arial;"> </span></p> <p><span style="font-size: 10.0pt; font-family: Arial;"><b>I wasn’t sure if I told you already…but my office is sponsoring a FREE short sale seminar for the general public and realtors we will be addressing the Home Affordable Foreclosure Alternative program as well. I have a CPA from Shinn & Co. speaking about cancellation of debt taxable issues.</b></span></p> <p><span style="font-size: 10.0pt; font-family: Arial;"><b> </b></span></p> <p><span style="font-size: 10.0pt; font-family: Arial;"><b>The seminar is at the Hyatt Place at the Sarasota-Bradenton Airport May 12 at 5:30PM until 7PM.</b></span></p> <p><span style="font-size: 10.0pt; font-family: Arial;"> </span></p> <p><span style="font-size: 10.0pt; font-family: Arial;"> </span></p> <p><strong><b><span style="font-size: 12.0pt;"> </span></b></strong><strong><b><span style="font-size: 10.0pt; font-family: Arial;"></span></b></strong></p> <p><strong><b><span style="font-size: 12.0pt;">Cynthia A. Riddell, Esq.</span></b></strong></p> <p><strong><b><span style="font-size: 12.0pt; color: #3366FF;">RIDDELL LAW GROUP</span></b></strong><b><span style="font-size: 10.0pt; font-family: Arial; font-weight: bold;"></span></b></p> <p><strong><b><span style="font-size: 12.0pt;">3400 S. Tamiami Trail</span></b></strong><span style="font-family: Arial;"></span></p> <p><strong><b><span style="font-size: 12.0pt;">Sarasota</span></b></strong><strong><b>, FL 34239</b></strong><span style="font-family: Arial;"></span></p> <p><strong><b><span style="font-size: 12.0pt;">Ph: 941.366.1300</span></b></strong><span style="font-family: Arial;"></span></p> <p><strong><b><span style="font-size: 12.0pt;">Fax: 941.366.6973</span></b></strong><span style="font-family: Arial;"></span></p> <p><strong><b><span style="font-size: 12.0pt; color: #3366FF;"><a href="mailto:criddell@rlglawfirm.com" target="_blank"><span style="font-size: 10.0pt; font-family: Arial; color: #3366FF;">criddell@rlglawfirm.com</span></a></span></b></strong><span style="font-family: Arial; color: #3366FF;"></span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 10.0pt; font-family: Arial;">This email is a private communication and may be subject to attorney-client privilege or attorney work product. If you have received this email message or any attachment in error, please do not disclose it to others. Please notify the sender of the delivery error immediately by replying to this email then delete the message from your system. Thank you.</span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 10.0pt; font-family: Arial;">CIRCULAR 230 DISCLOSURE: To comply with Treasury Department Regulations, we advise you that, unless expressly indicated, any federal tax advice contained in this message or any attachments cannot be used for the purpose of (i) avoiding penalties imposed by the Internal Revenue Code, or (ii) promoting, marketing, or recommending to another party any matters addressed herein.</span></p> <p><span style="font-size: 12.0pt;"> </span></p> <p><span style="font-size: 12.0pt;"> </span></p> </div> </div> </div><br /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/short-sale-seminar-may-12-530-at-the-sarasota">Joe's posterous</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2816008118756609528?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-1596569591179244722010-05-10T14:13:00.001-07:002010-05-10T14:13:17.638-07:00build your dream home "west of the trail" in Sarasota Florida- 399,000<div class='posterous_autopost'><div>Here's your chance to buy an oversized double lot in the most desirable address of Sarasota. </div> <div> </div> <div><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/pKU3dqMigQJgbuFc4KwZgheWRxpGI8ZGZ3AMBdtbYwEvmDmNfuC1gsQLnj4b/IMG_0285.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/ntJ7tk0Ndn8ySScRxH7Ct47L1qVmyue1OjwYqrujS24bF9wxwLHXroMSyOO4/IMG_0285.jpg.scaled.500.jpg" width="500" height="375"/></a> As a Realtor in Sarasota and Bradenton west of the trail is known to be the most desirable location in terms of convience to get to everything you need. Walking distance to shopping, nightlife and fine dining. Sarasota Memorial Hospitial is just down the road too.</div> <div> </div> <div>You can buy this today, and when you are ready to build that perfect home you will already have that perfect Sarasota address.</div> <div> </div> <div>Also, we will be partnering with a preffered builder who will be offering a construction of a new custom home, that will start in the 500's. More details will come as the plans are complete. The buyer will have complete discression to choose whatever builder they prefer, or just decide to wait for the right time.</div> <div> </div> <p style="TEXT-ALIGN: right;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/67tua7iU6q8zsEcfpvhkt6E7WVlKELS7j7F29yNgo7h84OsY9ixZElAJ6IpN/IMG_0283.jpg.scaled.1000.jpg'><img src="http://posterous.com/getfile/files.posterous.com/manateemoves/bcs2ugiv30aSpwDSaePU9jZPYj324lKN4Obz7LluGM1mVDzYIO7SgQwXiOzX/IMG_0283.jpg.scaled.500.jpg" width="500" height="375"/></a> </p> <div> </div> <div>Please call Joe Murphy today if you have any questions. Thanks! 941-780-3260</div> <div><a href="http://www.manateemoves.com/">www.manateemoves.com</a></div> <div><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="1885 Clematis Road" src="http://tour.previsite.com/1818009E-093B-5249-D3C0-C40AF4ACED14&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/build-your-dream-home-west-of-the-trail-in-sa">Joe's posterous</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-159656959117924472?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-80068158924886702002010-05-09T20:01:00.001-07:002010-05-09T20:01:51.560-07:005 condos sold in 10 days! Sarasota and Bradenton Condo markets are getting hot!<div class='posterous_autopost'><p>This has been quite a busy May especially for entry level condos.</p> <p> </p><p>Prices have dropped so dramatically that a small condo in Sarasota or Bradenton for investment, or as a second home makes a lot of sense.</p><p> </p><p>Prices of most of these "entry level" condos are at 50% to 25% of their peak values!</p> <p> </p><p>For example, I just put a condo in Sarasota pending that was listed for 49,900. This price was market value based on recent sales, and other active units that are in the complex. This unit had sold new for over 180,000 5 years ago!</p> <p> </p><p>One factor that seems challenging is that as prices of these type of units go down their condo fees tend to be the biggest hurtle for prospective buyers. As an experienced Realtor in the Bradenton and Sarasota market I hear this over and over. Buyer's like the low prices, but the condo fees seem enormous compared to the low, low prices of the condos.</p> <p>When the condo was priced for 180,000, 300 dollars a month seems reasonable, but with it priced at 50,000 that 300 dollars seems huge. </p><p>The prices for condos in Sarasota have dropped so dramatically because of the lack of financing options for "primary home buyers", and first time buyers. </p> <p>Because of the high proportion of rentals, and the potential issues with foreclosures, many lenders do not write loans for these units. No loans, means that only cash buyers can purchase, which lowers the buyer pool. The price points have dropped so far now that someone can buy a condo in Sarasota for cash for around 50,000. Then rent it out, and have that 50,000 dollars back out in rental income in 5-10 years. That does not account for any potential future market appreciation either.</p> <p>If you have been considering buying an entry level condo in Sarasota or Bradenton, you should be jumping in now. We are out of the winter season, but I am seeing that any well priced condos are getting sold quickly.</p> <p>Please give me a call if you are interested to see all the best buys in the Sarasota and Bradenton real estate markets.</p><p> </p><p>Joe Murphy, broker-associate</p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260</p> <div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" width="65" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" width="65" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" target="_blank" style="color: rgb(30, 119, 185); text-decoration: underline;"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" width="65" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/5-condos-sold-in-10-days-sarasota-and-bradent">Joe's posterous</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8006815892488670200?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-82326264458453231962010-05-05T15:38:00.001-07:002010-05-05T15:38:43.129-07:0049k for a 2/2 condo minutes to downtown Sarasota. What a deal!<div class='posterous_autopost'><div>This is a ground floor unit in Sarasota Palms. A condo conversion project. This is an end unit, on the ground floor. Right across from the pool too. </div> <div> </div> <div>This is a great investment, for less than a third of the price new! </div> <div> </div> <div>Virtual tour info can be found below.</div> <div> </div> <div><div style="width:800px;height:600px;padding:0px;"><iframe title="Sarasota Condo ground floor great value" src="http://tour.previsite.com/DE53AECE-6F63-9C5D-D8DC-0D689430804E&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <div> </div> <div>Call Joe Murphy Today to see this great unit! </div> <div> </div> <div><a href="http://www.manateemoves.com/">www.manateemoves.com</a></div> <div> </div> <div><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></div> <div> </div> <div>941-780-3260</div> <div> </div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/49k-for-a-22-condo-minutes-to-downtown-saraso">Joe's posterous</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8232626445845323196?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-80114062945137731302010-05-04T16:39:00.001-07:002010-05-04T16:39:45.190-07:00641 Foggy Morn Lane in Waterlefe Incredible golf course views and a great value too!<div class='posterous_autopost'><div style="width:800px;height:600px;padding:0px;"><iframe title="641 Foggy Morn Lane, Waterlefe Bradenton Florida" src="http://tour.previsite.com/u/A86D32FF-904E-435A-C574-64E90AE4A564?s=800x600" frameborder="0" height="600" width="800"></iframe></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/641-foggy-morn-lane-in-waterlefe-incredible-g">Joe's posterous</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8011406294513773130?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-33668001534120080412010-04-07T21:58:00.001-07:002010-04-07T21:58:55.577-07:00Nearly half of U.S. households escape federal income tax - USATODAY.com<div class='posterous_autopost'>Check out this article that I saw in USA TODAY's iPad application. <p /> Nearly half of U.S. households escape federal income tax <br /><a href="http://usat.me?38135270">http://usat.me?38135270</a> <p /> To view the story, click the link or paste it into your browser. <p /> To learn more about USA TODAY for iPad and download, visit: <a href="http://usatoday.com/ipad/">http://usatoday.com/ipad/</a> <p /> <br />Sent from my iPad <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/nearly-half-of-us-households-escape-federal-i">Joe's posterous</a> </p> </div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3366800153412008041?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-48184450381804935102010-03-21T19:57:00.001-07:002010-03-21T19:57:33.364-07:001019 Rainbow Court- Waterlefe Golf and River Club in Bradenton, FL<div class='posterous_autopost'><div style="width:800px;height:600px;padding:0px;"><iframe title="1019 Rainbow Court" src="http://tour.previsite.com/DAC87C25-01C2-AB9D-878D-D96237650DFE&s=800x600&tpl=l0" height="600" frameborder="0" width="800"></iframe></div><p /> Thanks,<p />Joseph C Murphy P.A.<br /><a href="http://www.manateemoves.com">www.manateemoves.com</a><br /><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br />941-780-3260 <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/1019-rainbow-court-waterlefe-golf-and-river-c">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4818445038180493510?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-55474764932936520112010-03-18T09:05:00.001-07:002010-03-18T09:05:57.348-07:00Short Sales From a Tax Perspective - Myth vs Truth<div class='posterous_autopost'><div class="posterous_bookmarklet_entry"> <blockquote><div> <h3>Wednesday, March 10, 2010</h3> <p><a name="SSFA"></a>Short Sales From a Tax Perspective - Myth vs Truth</p> <p><a href="http://www.yesnerboss.com/shortsales.html" target="_blank">Short sales</a>, principal reduction <a href="http://www.yesnerboss.com/loanmodifications.html" target="_blank">loan modifications</a>, <a href="http://www.yesnerboss.com/debtcounseling.html" target="_blank">deeds in lieu</a> and <a href="http://www.yesnerboss.com/foreclosuredefense.html" target="_blank">foreclosures</a> all present unique tax consequences, and they vary from one person to another. Much of what we are hearing from clients, which they are hearing from others, is either not true or not true for them. </p> <p> Here are my Top 10 Myths --and the corresponding truths-- in this area. With a few exceptions, the myths stem from a grain of truth. But just like the game of telephone, the fact that it began as truth doesn’t mean what you’re hearing is reliable. </p> <p><strong> Myth #1 - “I won’t owe any income tax because this is homestead property.” </strong></p> <p> This myth began with the passage of the Mortgage Debt Forgiveness Relief Act (“MDFRA”) in December 2007, which does provide some relief to those taxpayers who face debt forgiveness (which would otherwise be taxable) relating to their real estate. </p> <p> There are significant limits on the relief, however. Here are the requirements: </p> <ul> <li> The debt applies to a <strong>principal residence</strong> as defined in Internal Revenue Code Section 121. (Principal residence is NOT necessarily homestead property in Florida.) </li> <li> The debt was <strong>used to acquire, construct or substantially improve</strong> the principal residence (as defined in Internal Revenue Code Section 163(h)). </li> <li> The amount of the forgiven debt is not included in the taxpayer’s income, but it <strong>reduces the taxpayer’s basis</strong> in the property.(This will increase the gain on the sale if the property is sold, and that gain is taxable). </li> <li>The amount of the forgiven debt also <strong>reduces, dollar for dollar, the amount of gain</strong> that can be <strong>excluded</strong> under other provisions (IRC Section 121). </li> <li>Only the first <strong>$2 million</strong> of forgiven debt is excluded from income. </li> </ul> <p> A principal residence for IRS purposes is not the same as homestead property under Florida law. A principal residence is property which has been owned and used, during the 5-year period ending on the date of the sale or the debt forgiveness, as the seller’s primary residence for a total of at least 2 years. Often, a seller did not use the property as a principal residence for 2 years or more during the prior 5 years, even if he declared it as homestead property. If it’s not a principal residence under this definition, there is<strong> no tax relief</strong> under the MDFRA. </p> <p> The other requirement that is often not met is the use of the debt to acquire, construct or substantially improve the principal residence. Many property owners refinanced to access cash for reasons unrelated to the property: they started a business, paid off a car loan or credit cards, or took a vacation. Any part of the funds used for those purposes remains taxable. However, if the proceeds were used to add a pool, renovate a kitchen or replace the roof, that portion of the debt forgiven will be excluded from taxable income. </p> <p><strong> Myth #2 - “I’ll have a loss on the property, so I don’t need to worry about tax.” </strong></p> <p> Capital losses resulting from the sale of the property <strong>will not</strong> offset the income resulting from the forgiveness of debt. Also, sellers often believe they have a “loss” on their property when in fact they don’t – selling it for less than you owe isn’t the test. If your basis is less than the debt forgiven, you can actually have a gain. This often happens in the short sale situation, due to the reduction of basis (see 1c above). </p> <p><strong> Myth #3 - “I can use the $500,000 capital gain exclusion to wipe out any taxable income from the short sale.” </strong></p> <p> The $500,000 exclusion (for married filing joint, $250,000 for single taxpayers) is a <strong>capital gain exclusion only</strong>. Income from debt forgiveness is <strong>ordinary income</strong>, not capital gain. This exclusion is only helpful if a capital gain results from the reduction in the basis of the property. But beware, (as mentioned in 1d above) the amount of the forgiven debt which is excluded from taxable income also reduces the amount of gain that can be excluded under this provision, dollar for dollar. </p> <p><strong> Myth #4 - “I’m in a low tax bracket, so the tax won’t be that much.” </strong></p> <p> Before the transaction in question, the seller probably was in a low tax bracket. If the debt forgiven is large (and it’s not unusual these days to see amounts of $50,000-$150,000 and higher), this increases the seller’s taxable income by that amount. It’s like getting a big fat paycheck that you never see, and it puts many sellers into higher tax brackets than their historical rates. </p> <p><strong> Myth #5 - “I have no assets, so I’m insolvent and don’t need to worry about the tax consequences of a short sale.” </strong></p> <p> This is true as far as it goes: Section 108 of the IRC indeed provides for excluding forgiven debt from income to the extent the seller is insolvent. However, just because a seller is upside down on their property doesn’t mean they’re insolvent for this purpose. The extent of insolvency for IRS purposes is the difference between the outstanding liabilities and fair market value of the assets (this is <strong>all assets</strong>, including protected assets such as retirement accounts) owned by the Seller on the date of the short sale. It is virtually impossible to reach a conclusion on insolvency for this purpose without a detailed analysis of all of the seller’s assets and liabilities, including those unrelated to the property, as well as the basis reduction that would occur in the short sale. </p> <p> The good news on this one is that, unlike the MDFRA, the insolvency exclusion applies to investors. This is an important aspect to explore for them particularly. </p> <p><strong> Myth #6 - “I heard that the IRS isn’t going after people due to the economic climate.” </strong></p> <p> Ok, this one doesn’t stem from a grain of truth; it’s just wishful thinking. The IRS is actually <strong>increasing</strong> its enforcement and collection efforts in the current economic climate. It’s primary purpose is to collect revenue; and the government needs revenue as much as anyone else these days. </p> <p><strong> Myth #7 - “I’ll just tell the lender that I don’t want a 1099.” </strong></p> <p> Good luck with that. The 1099-C requirement is not negotiable: it’s the law. If the debt is forgiven, the tax liability has been generated. The lender must report it, and so must the property owner (even if they don’t receive a 1099-C by January 31 of the year following the short sale). Sellers can be subject to a 25% reporting penalty if they don’t report the debt forgiveness; this is not one to be taken lightly. </p> <p><strong> Myth #8- “I heard on the news that there is no tax on short sales anymore.” </strong></p> <p> See Myth #1. And stop watching the news. </p> <p><strong> Myth #9 - “I’ll just let the property go into foreclosure, rather than do a short sale, to avoid the taxes.” </strong></p> <p> This wouldn’t necessarily help you. The tax is the same regardless of how the debt forgiveness comes about: a <a href="http://www.yesnerboss.com/howtoshortsale.html" target="_blank">short sale</a>, principal reduction <a href="http://www.yesnerboss.com/loanmodifications.html" target="_blank">loan modification</a>, <a href="http://www.yesnerboss.com/debtcounseling.html" target="_blank">deed in lieu of foreclosure</a> or <a href="http://www.yesnerboss.com/avoid_foreclosure.html" target="_blank">foreclosure</a> all have the same effect. The only potential difference is the amount of the debt forgiven. For example, default interest, attorney’s fees and costs continue to add up during a <a href="http://www.yesnerboss.com/avoid_foreclosure.html" target="_blank">foreclosure</a>, which might be avoided or reduced in a short sale, typically making the unpaid balance of the loan (and resulting debt forgiveness) in a foreclosure higher than if a <a href="http://www.yesnerboss.com/howtoshortsale.html" target="_blank">short sale</a> were completed. </p> <p><strong> Myth #10 - “If I end up owing tax, I’ll just file bankruptcy.” </strong></p> <p> Chances are, you’ll still owe the tax. Income tax is not typically discharged in <a href="http://www.yesnerboss.com/bankruptcy.html" target="_blank">bankruptcy</a>. While there are a few exceptions, most will not apply in these cases. </p> <p> The tax implications of <a href="http://www.yesnerboss.com/foreclosuredefense.html" target="_blank">foreclosures</a> and <a href="http://www.yesnerboss.com/shortsales.html" target="_blank">short sales</a> are more complex than mass media would lead us to believe, and there is considerable misunderstanding among property owners as to what the rules are and how they would apply. Hopefully we can help to dispel the myths by steering our clients toward tax professionals who can help and help them plan appropriately. </p> <p> <em>-JoAnn M. Koontz, Esq., CPA</em><br /> Yesner & Boss, P.L. </p> <p><em>posted by Yesner and Boss, P.L. at <a href="http://www.yesnerboss.com/2010/03/short-sales-from-tax-perspective-myth.html" title="permanent link"> 1:55 PM </a></em> <a href="https://www.blogger.com/comment.g?blogID=8160339153131319045&postID=3073212291439274534"><span style="">0 Comments</span></a> </p><div> <a href="http://www.addthis.com/bookmark.php?v=250&pub=yesnerboss">Share</a> <span>|</span> <a href="http://www.addthis.com/bookmark.php"></a> <a href="http://www.addthis.com/bookmark.php"></a> <a href="http://www.addthis.com/bookmark.php"></a> <a href="http://www.addthis.com/bookmark.php"></a></div> </div></blockquote> <div class="posterous_quote_citation">via <a href="http://www.yesnerboss.com/2010/03/short-sales-from-tax-perspective-myth.html">yesnerboss.com</a></div> <p>This is a great guide to frequently asked questions for homeowners considering a short sale.</p></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via web</a> from <a href="http://manateemoves.posterous.com/short-sales-from-a-tax-perspective-myth-vs-tr">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-5547476493293652011?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-36149170695979884272010-03-17T10:56:00.001-07:002010-03-17T10:56:04.155-07:006940 Prosperity Circle- Perfect Condo Living<div class='posterous_autopost'><div><br /><div style="width:800px;height:600px;padding:0px;"><iframe title="6940 Prosperity Circle" src="http://tour.previsite.com/C173534D-795B-2C2A-133A-8BD82ABFD6A1&s=800x600&tpl=l0" frameborder="0" height="600" width="800"></iframe></div></div> <div><br />Thanks,<p />Joseph C Murphy P.A.<br /><a href="http://www.manateemoves.com">www.manateemoves.com</a><br /><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br />941-780-3260<br /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/6940-prosperity-circle-perfect-condo-living">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3614917069597988427?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-32151280782888785602010-03-16T19:18:00.001-07:002010-03-16T19:18:24.305-07:0045 days left to qualify for 8k tax credit. One exception here.<div class='posterous_autopost'><div><span style="">Exception for Home Buyer's Tax Credit. This is one that I was unaware of. But I am glad to hear there is additional help for our active duty service soldiers. </span></div><blockquote type="cite"><p /></blockquote>Courtesy of Michael Taylor <br /><blockquote type="cite"><div><div><p><span style="font-size: 10.0pt; font-family: Book Antiqua;">We are fast approaching the deadline for the Home Buyer’s Tax Credit, remember that Buyers need to be under contract by 4/30 (only 45 days away) and closing must take place on or before June 30<sup>th</sup>! There is one exception to the rule that you need to be aware of: </span><span style="font-size: 10.0pt; font-family: Book Antiqua; color: #333333;">U.S.</span><span style="font-size: 10.0pt; font-family: Book Antiqua; color: #333333;"> servicemen out of the country for 90 days (since 2008) may have an extra year to get the tax credit, up to $8,000, for buying a home</span><span style="font-size: 10.0pt; font-family: Book Antiqua; color: #333333;">. The active-duty rule is not new. It’s part of the current tax credit law, though its use is limited. The qualification must be for “official extended duty outside the United States for at least 90 days after 2008 and before May 1, 2010.” Should that be the case, however, the homebuyer has an extra year to buy a home. He or she has until April 30, 2011, to secure a binding contract, and until June 30, 2011 to close on the home. Other conditions such as a maximum $8,000 for first-time buyers and $6,500 for move-up buyers still apply. For advice in any specific case, consult a qualified tax advisor. The applicable IRS publication is posted online (PDF format) at: </span><span style="font-size: 10.0pt; font-family: Book Antiqua; color: #43626E;"><a href="http://www.irs.gov/pub/irs-pdf/p3.pdf."></a><a href="http://www.irs.gov/pub/irs-pdf/p3.pdf">http://www.irs.gov/pub/irs-pdf/p3.pdf</a>.</span></p> <p><span class="MsoHyperlink"><span style="font-size: 10.0pt; font-family: Book Antiqua;"><a href="http://www.irs.gov/pub/irs-pdf/p3.pdf."><span style="text-decoration: none;"> </span></a></span></span></p> <p><span style="font-size: 10.0pt; font-family: Century Gothic;"></span></p> <p><b><span style="font-size: 12.0pt; font-family: Century Gothic; color: blue; font-weight: bold;">J. Michael Taylor</span></b><b><span style="font-family: Century Gothic; color: gray; font-weight: bold;">|Managing Broker| </span></b><b><span style="font-family: Century Gothic; color: blue; font-weight: bold;">Coldwell Banker Residential Real Estate</span></b><b><span style="font-family: Century Gothic; color: #3366FF; font-weight: bold;"> </span></b><b><span style="font-family: Century Gothic; color: gray; font-weight: bold;">|</span></b><span style="font-family: Century Gothic; color: gray;"> <strong><b><span style="font-family: Century Gothic;">8334 Market Street</span></b></strong> <b><span style="font-weight: bold;">|Bradenton</span></b>, FL 34202 <b><span style="font-weight: bold;">|</span></b> P: 941-907-1033<b><span style="font-weight: bold;">|</span></b> F: 941- 907-1055<b><span style="font-weight: bold;">| </span></b>E: <a href="mailto:michael.taylor@floridamoves.com"><span style="font-family: Times New Roman;">michael.taylor@floridamoves.com</span></a> | visit </span><a title="BLOCKED::http://www.floridamoves.com/ http://www.floridamoves.com/"><span title="BLOCKED::http://www.floridamoves.com/ http://www.floridamoves.com/"><span title="BLOCKED::http://www.floridamoves.com/ http://www.floridamoves.com/"><span style="color: gray;"><span title="BLOCKED::http://www.floridamoves.com/"><span title="BLOCKED::http://www.floridamoves.com/ http://www.floridamoves.com/">http://www.floridamoves.com</span></span></span></span></span></a></p> <p><span style="font-size: 12.0pt;"></span></p> </div> <p /><br /><p>"The information in this electronic mail message is the sender's business confidential and may be legally privileged. It is intended solely for the addressee(s). Access to this internet electronic mail message by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted to be taken in reliance on it is prohibited and may be unlawful."<p />"The sender believes that this E-mail and any attachments were free of any virus, worm, Trojan horse, and/or malicious code when sent. This message and its attachments could have been infected during transmission. By reading the message and opening any attachments, the recipient accepts full responsibility for taking protective and remedial action about viruses and other defects. The sender's employer is not liable for any loss or damage arising in any way from this message or its attachments."{sar}<br /> </p></div></blockquote> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/45-days-left-to-qualify-for-8k-tax-credit-one">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3215128078288878560?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-39151047023367114972010-03-14T22:55:00.001-07:002010-03-14T22:55:29.325-07:00Is Freddie mac's new offer approval system a good thing?<div class='posterous_autopost'><div style=""><p>It's getting pretty common for well priced foreclosure homes to get multiple bids. Here in Manatee County I sell a lot of Bank owned homes to buyers looking for a great deal. Our prices have dropped to about Half of the peak prices, and our inventory is tight. Manatee County now has about half the homes from three years ago. Multiple offers is something that I am used to dealing with, but this week I was thrown a curve from Freddie Mac.</p> <p>As a <a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">Bradenton</a><a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank"> real Estate agent</a> with plenty of experience I am not afraid of multiple offers. As a listing agent multiple offers are a great thing, for a buyer's agent not so much..</p> <p><em><strong>As a buyer's agent multiple offers to compete against is never good news</strong></em>!</p><p>That <em>"low-ball</em>" offer with all the contingencies does not look as enticing now..</p><p>In the past when I was involved with a multiple bid situation the listing agent would present a "<strong /></p><div style="text-decoration: underline;">highest and best offer form"</div> This would give notice to all bidders that they had one last chance to improve the offer prior to the seller accepting one. <p>I was writing an offer for a Freddie Mac owned home in <a href="http://www.manateemoves.com/featured-properties/235k-approved-3374sqft/" title="parrish, fl real estate" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">Parrish, FL</a>, and was told that the seller only considers "<em><strong>one offer at a time</strong></em>". There was also another offer in, and it would only be considered if the first was not successful.</p> <p>I am not sure if I like the new system. As I see it, the only person benefiting is the "first" buyer to come along since they do not have to compete with any offers. </p><p style="text-align: center;"><em><strong>this procedure is bad for pretty much everyone else</strong></em></p> <p></p><ul><li><strong>Other buyers do not benefit since their offers are not seen until the prior offer fails.</strong></li><li><strong>The Seller loses too. No question that buyer that are allowed to outbid their competitors will drive up the price. This would be more money for the lender/investor. </strong></li> <li><strong>This does not helps out the former homeowner, with potential reduced deficiencies,</strong></li><li><strong>The neighbors lose too. A lower selling price keeps the property values down for homes in the area. this puts further pressure on neighbors doing short sales, or strategic defaults.</strong></li> </ul><p /><div>I know that if I had the buyer with the first offer I would probably be less annoyed by the new procedure. I am concerned that homes sell for a fair market value. This is fair to everyone involved.</div> <p /><div>Also, from presenting a lot of offers on bank owned homes, slow response time from the sellers would allow for a verbally accepted offer to be delayed and a new offer pops in, beating out the buyer.</div> <p /><div>I think the best solution would be a predetermined time to present bids, and speeding up the process to get these contracts fully executed.</div><p /><div>Buying or Selling in Bradenton or Sarasota give me a call for all your real estate needs.</div> <p /><div><a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">Joe Murphy</a></div><div><a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank"><br /> </a></div><div><a href="http://www.manateemoves.com/" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">Real Estate agent for Bradenton, Florida</a>.</div><p /><div>941-780-3260</div> </div><br />Thanks,<p />Joseph C Murphy P.A.<br /><a href="http://www.manateemoves.com">www.manateemoves.com</a><br /><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a><br />941-780-3260 <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/is-freddie-macs-new-offer-approval-system-a-g">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-3915104702336711497?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com2tag:blogger.com,1999:blog-37263107.post-26752635411873845962010-02-15T19:45:00.001-08:002010-02-15T19:45:03.996-08:00the last night space shuttle launch.. Is this a good thing for Fl and the USA?<div class='posterous_autopost'><div style=""><p><strong><em /></strong></p><div style="text-decoration: underline;">I took my family to see the last scheduled night launch of the space shuttle... WOW it was cool! </div> <p><object height="344" width="425"><param name="movie" value="http://www.youtube.com/v/LepysYBimD8&color1=0xb1b1b1&color2=0xcfcfcf&hl=en_US&feature=player_embedded&fs=1" /></param><param name="allowFullScreen" value="true" /></param><param name="allowScriptAccess" value="always" /></param><embed allowfullscreen="true" type="application/x-shockwave-flash" src="http://www.youtube.com/v/LepysYBimD8&color1=0xb1b1b1&color2=0xcfcfcf&hl=en_US&feature=player_embedded&fs=1" allowscriptaccess="always" height="344" width="425"></embed></object></object></p> <p> </p><p>The first scheduled launch was canceled due to inclement weather, so we stayed the night to see it go off. With the extra time we went to the <a href="http://www.nasa.gov/centers/kennedy/home/index.html" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">Kennedy Space cente</a>r. I haven't been there since I was a kid, and I must say that the whole family had a great time. I would have expected it to be crowded, but there were no lines, no crowds. </p> <p> </p><p style="padding-left: 30px; text-align: center;"><strong>If you get the chance to go to the <a href="http://www.nasa.gov/centers/kennedy/home/index.html" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">Kennedy Space Center</a> I would highly recommend it. </strong><img src="http://activerain.com/image_store/uploads/6/0/1/1/7/ar1266290571106.jpg" height="167" alt="" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; float: left;" width="125" /></p> <p style="text-align: left;"> <span style=""> </span></p></div>Amazingly most of the people were there were foreigners. I guess we take for granted that the space center is right in the <span style=""> </span>back yard. <p style="text-align: left;"> </p><p style="text-align: left;"> <span style=""> </span>President Obama has just cut NASA's budget and basically took away the the funding needed to move the space program <span style=""> </span>forward. <strong><em><span style="text-decoration: underline;">Is this a bad thing?</span></em></strong> </p> <p style="text-align: left;"><span style=""> </span>I first thought this was not such a good idea. I like that the United States has been the leader in space exploration. But, <span style=""> </span>in reality the bad economy, and Obama's massive cuts have now allowed private industry to move into the push to space <span style=""> </span>and really bring it to the NEXT LEVEL.</p> <p style="text-align: left;"> <span style=""> </span>We learned on the tour that the founder of "PAYPAL" had a facility on the NASA site were they were developing their own <span style=""> </span><em>waiting.......</em><span style=""> </span> launch vehicles. Wow! This was the guy that sold it to GOOGLE for a LOT of MONEY. He was doing massive R&D and it <span style=""> </span> was not costing American taxpayers a nickel. </p> <p style="text-align: left;">I think that NASA, and the administration did the right thing by backing off on the current technology, and looking forward. Also, embracing the private sector, and the rest of the world with space exploration may be the first step to getting everyone on the planet to realize that we are all more alike than different.</p> <p>Just like the "Internet" that was originally developed by the government it was not until the private sector was allowed to embrace it that it took the technology<img src="http://activerain.com/image_store/uploads/9/6/0/7/3/ar12662910137069.jpg" height="200" alt="" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; float: right;" width="150" /> to it's full potential. I think that the same will happen to space technology.</p> <p>The Russians will have the only way to deliver people and supplies to the <a href="http://www-ss.ksc.nasa.gov/" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank">INTERNATIONAL SPACE STATION</a> for the next 7 years. They raised the price that they will charge to deliver passengers from 35 million to 52 million. For that kind of money, I could see an opportunity to people willing to get into the next space race.</p> <p style="text-align: center;"><strong><em>Would J.F.K. believe that we are relying on the Russians to support our space program?</em></strong> </p><p>Amazing how things change with time. The international cooperation with regards to space really impressed me, and just like the Internet, it seems that space exploration has no boundaries.</p> <p>Who knows? Maybe our kids will see the day when commercial space travel becomes mainstream.</p><p> If we do. </p><p>We will have to thank President Obama's cuts, and the current recession</p><p style="text-align: center;"> <em><strong>I guess everything happens for a reason...</strong></em></p><p style="text-align: right;"><span style=""> </span><em>My son now wants to be an </em></p><p style="text-align: right;"><em>astronaut.</em></p> <p> </p><p><img src="http://activerain.com/image_store/uploads/4/7/0/2/2/ar126629118022074.jpg" height="224" alt="" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; vertical-align: text-bottom;" width="300" /></p> <p> </p><p><strong><em>The Hubble.. And it's replacement ... technology marches on..</em></strong></p><p><img src="http://activerain.com/image_store/uploads/4/1/8/1/5/ar126629126851814.jpg" height="300" alt="" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="400" /></p> <p> </p><div class="agent_signature"><p><a href="http://twitter.com/manateemoves" title="twitter account for joe murphy" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank"><img title="twitter" src="http://activerain.com/image_store/uploads/8/3/1/0/5/ar126336553850138.png" height="65" alt="twitter account" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.facebook.com/profile.php?ref=name&id=1039794669" title="facebook profile" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank"><img title="Facebook Profile" src="http://activerain.com/image_store/uploads/1/5/8/6/8/ar126336450486851.png" height="65" alt="Facebook Profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a><a href="http://www.linkedin.com/profile?viewProfile=&key=12561332&locale=en_US&trk=tab_pro" title="Linked In Profile" style="color: rgb(30, 119, 185); text-decoration: underline;" target="_blank"><img title="LinkedIn Profile" src="http://activerain.com/image_store/uploads/1/3/4/6/4/ar126336508346431.png" height="65" alt="linkedin profile" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none;" width="65" /></a></p> <p>When you need the help of a FULL-TIME, Top-Producing, agent in Manatee County please now I am here to help.</p><p>Call/Text/email me anytime. I am an experienced agent that can deal with short sales, bank owned homes, vacation homes, and everything in between.</p> <p>Joe Murphy, Broker-Associate </p><p>Coldwell Banker Residential Real Estate</p><p>941-780-3260 cell</p><p>941-840-0150 office</p><p><a href="mailto:joe@manateemoves.com">joe@manateemoves.com</a></p><p><a href="http://www.manateemoves.com">www.manateemoves.com</a></p> <p /></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/the-last-night-space-shuttle-launch-is-this-a">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-2675263541187384596?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com4tag:blogger.com,1999:blog-37263107.post-44203857980805224992010-02-11T04:25:00.001-08:002010-02-11T04:25:48.398-08:00Regator.com: Option ARMs Don’t Measure Up in HAMP<div class='posterous_autopost'><div>I thought you'd be interested in this blog post I found using Regator:<br /><a href="http://ml-implode.com/staticnews/2010-02-10_OptionARMsDontMeasureUpinHAMP.html">Option ARMs Don’t Measure Up in HAMP</a><br />(Mortgage Lender Implode-O-Meter)<p />See this post and other related stories on <a href="http://regator.com/#comments:231623552"></a><a href="http://Regator.com">Regator.com</a></div><p /><div><p /><div>Thanks,</div><p /><div>Joe </div><p />Sent from my iPhone<p /><div>Joe Murphy, broker-associate</div><div>Coldwell Banker Residential Real Estate</div><div>941-780-3260 cell/text</div><div>941-739-6777 Office</div><div>11215 sr 70 east suite 105</div><div>Lakewood Ranch, FL 34202</div><div><a href="http://Www.Manateemoves.com">Www.Manateemoves.com</a></div><div><a href="http://Www.Manateecountyrealestatenews.com">Www.Manateecountyrealestatenews.com</a> -blog</div><div><a href="mailto:Joe@manateemoves.com">Joe@manateemoves.com</a></div><div><a href="mailto:Mojohomes@gmail.com">Mojohomes@gmail.com</a></div></div> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/regatorcom-option-arms-dont-measure-up-in-ham">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-4420385798080522499?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com1tag:blogger.com,1999:blog-37263107.post-85047572467440805062010-02-09T15:20:00.001-08:002010-02-09T15:20:59.260-08:00The last night launch of the space shuttle<div class='posterous_autopost'> <div style='padding: 5px 5px 10px 5px; margin-top: 5px; border: 1px solid #ddd; background-color: #fff;line-height: 16px;'> <div style="float: left; margin-right: 5px; overflow: visible;"><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/ExTovlZiP3TIPmFGqxZ1DAuyEmi9IZTfscGT05GrRnpyX3i0dfUdPP7HfJL3/IMG_1603.mov' style='color: #bc7134;'><img src='http://posterous.com/images/filetypes/mov.png' style='border: none;'/></a></div> <div style="font-size: 10px; color: #424037;line-height: 16px;">Download now or <a href='http://manateemoves.posterous.com/the-last-night-launch-of-the-space-shuttle-0' style='color: #bc7134;'>watch on posterous</a></div> <b><a href='http://posterous.com/getfile/files.posterous.com/manateemoves/ExTovlZiP3TIPmFGqxZ1DAuyEmi9IZTfscGT05GrRnpyX3i0dfUdPP7HfJL3/IMG_1603.mov' style='color: #bc7134;'>IMG_1603.MOV</a></b> <span style="font-size: 10px; color: #424037;">(5252 KB)</span> <br style="clear: both;"/></div> <p>Thanks, <p /> Joe <p /> Sent from my iPhone <p /> Joe Murphy, broker-associate <br />Coldwell Banker Residential Real Estate <br />941-780-3260 cell/text <br />941-739-6777 Office <br />11215 sr 70 east suite 105 <br />Lakewood Ranch, FL 34202 <br />Www.Manateemoves.com <br />Www.Manateecountyrealestatenews.com -blog <br /><a href="mailto:Joe@manateemoves.com">Joe@manateemoves.com</a> <br /><a href="mailto:Mojohomes@gmail.com">Mojohomes@gmail.com</a></p> <p style="font-size: 10px;"> <a href="http://posterous.com">Posted via email</a> from <a href="http://manateemoves.posterous.com/the-last-night-launch-of-the-space-shuttle-0">Joe's posterous</a> </p> </div> <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/37263107-8504757246744080506?l=manateemoves.blogspot.com' alt='' /></div>Joe Murphyhttp://www.blogger.com/profile/03220029935720505354noreply@blogger.com0tag:blogger.com,1999:blog-37263107.post-15605218928613001392010-02-02T18:11:00.001-08:002010-02-02T18:11:24.828-08:00what's the title insurance going to cost? HERE's the answer..<div class='posterous_autopost'>I have always relied on a "cheat sheet" to figure out the title insurance charge for florida real estate transactions.<p /><div>I found this good chart that gives title insurance charges up to one million, and also Doc stamps on the deed.</div> <p /><div><div style="font-family: Times; font-size: medium; color: rgb(255, 255, 255);"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"> <strong><span style="font-size: large;">Sales Prices from $52,000 to $165,000</span></strong></p></div><span style="font-size: large;"><b><br /> </b></span><a name="fees"></a><table border="2" height="1060" align="center" style="border-right-width: medium; border-right-style: none; border-right-color: initial; border-top-width: medium; border-top-style: none; border-top-color: initial; border-left-width: medium; border-left-style: none; border-left-color: initial; border-bottom-width: medium; border-bottom-style: none; border-bottom-color: initial; border-collapse: collapse;" width="477"> <tr><td valign="top"><h2 align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: rgb(237, 234, 224);">Purchase Price</h2> </td><td valign="top"><h2 align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: rgb(237, 234, 224);">Title Insurance</h2></td><td valign="top"> <h2 align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: rgb(237, 234, 224);">Doc Stamp</h2></td><td valign="top"><h2 align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: rgb(237, 234, 224);"> Purchase Price</h2></td><td valign="top"><h2 align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: rgb(237, 234, 224);">Title Insurance</h2> </td><td valign="top"><h2 align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: rgb(237, 234, 224);">Doc Stamp</h2></td></tr><tr> <td valign="top" width="84"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);">$52,000</p> </td><td valign="top" width="85"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"><span>$299</span></p> </td><td valign="top" width="58"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"><span>$364</span></p> </td><td valign="top" width="84"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"><span>$109,000</span></p> </td><td valign="top" width="85"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"><span>$620</span></p> </td><td valign="top" width="67"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"><span>$763</span></p> </td></tr><tr><td valign="top" width="84"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"> <span>$53,000</span></p></td><td valign="top" width="85"><p align="center" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 14px; font-style: normal; font-weight: normal; color: rgb(237, 234, 224);"> <span>$305</span></p></td><td valig