Talon Way, Eagle Bay, Santa Rosa Beach Florida Short Sale

Bright, happy home at 42 Talon Way is a short sale located in quiet subdivision of Eagle Bay, in Santa Rosa Beach Florida. Wonderful outside spaces include front porch, patio and large balcony off master bedroom. Elegant landscaping with palm trees, brick pavered driveway. Impressive entry looking up to second floor. Ample great room with fireplace. Kitchen has granite counters and breakfast bar. This Santa Rosa Beach short sale home is near the local's favorite, "Love Shack" restaurant with pool membership available. 10 minute drive to Grand Boulevard, Baytowne Wharf. 15 minutes to the beach, Destin Commons! Built in 2007, over 2100 square feet.
Santa Rosa Beach Short Sale Offered at $217,700.
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Destin FL Real Estate
Destin Short Sales & Pre Foreclosure Help.
Read Wendy's Destin Real Estate Blog
Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com
Wendy is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". Call Wendy Rulnick, Broker/Owner,to list and sell your home or condo on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County- Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field.

110 Cabana Trail, Santa Rosa Beach FL - Short Sale in Lakeside at Blue Mountain Beach

This refined Santa Rosa Beach Florida short sale home, adjacent to Redfish Village in the Lakeside at Blue Mountain Beach, is a wonderful design by a renowned architect. The first floor living area has warm wood flooring and old-fashioned built-ins. The breakfast bar is a mile-long custom slab of black granite with furniture spindle supports. Kitchen cooking beckons the gourmand in you with Jennaire stove and rows of bead-board cabinets, many open to display your wares. There is a built-in wine cuvee ready for your cabernets.

You can either cozy up to the fireplace in the living room or share your home with a grand party in the totally open living space. This home features two master suites, one upstairs and one down, both with exquisite bathrooms with upgraded fixtures and separate tubs. Upstairs also features a private sitting room with wetbar and refrigerator. Great location in Santa Rosa Beach-- a few steps to the new upscale Redfish Village with direct walkover access. Two air conditioning systems and a Rinnai hot water heater.This special Santa Rosa Beach short sale is close to Gulf of Mexico beaches, great shopping in Seaside, Watercolor, Rosemary Beach and Destin!

Offered at $549,900

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Santa Rosa Beach FL Real Estate
Santa Rosa Beach Short Sales & Pre Foreclosure Help.
Read Wendy's Destin Real Estate Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Wendy is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". Call Wendy Rulnick, Broker/Owner,to list and sell your home or condo on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County- Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field.

Lot 16 Anne Ave., Village of Blue Mountain Beach, Santa Rosa Beach FL Short Sale

New community- Village of Blue Mountain Beach- in the center of Blue Mountain Beach on 30-A in Santa Rosa Beach, Florida. Enjoy fun on-site at the Beach Club - with fitness center, shuffle board, pools. Prefer to jump in the waters of the Gulf of Mexico? Owners may use access right across street at Inn at Blue Mountain Beach. Short sale subject to seller's mortgage holder's approval. Offered at $ 54,900.

36 21st Street, Santa Rosa Beach FL Home For Sale

This Santa Rosa Beach FL home has a peaceful setting with brick walkways, wrought iron rails and an enormous deck to enjoy the outdoors. Wide-open home with wood laminate floors, electric fireplace, cathedral ceilings. Huge kitchen with many cabinets and much counter space. Office in front of home for private study. Inside laundry room. Home loan is assumable from Vanderbilt Mortgage ($467/mo) for a $500 assumption fee. If the buyer assumes the loan the seller will finance the balance, less closing fees. This Santa Rosa Beach FL home is about ten minutes to the beaches of the Gulf of Mexico, shopping at Silver Sands, Baytowne Wharf, Sandestin and Grand Boulevard. Offered at $99,900.

119 Fern Way, Santa Rosa Beach FL Home for Sale

Open the from door to the most relaxed feeling of home in this lovely Santa Rosa Beach FL property. Great for entertaining and family. L/R, D/R, Kitchen all open to screened porch, with view of natural landscapped and wooded lawn. Interior features, Maple wood and tile floors, 9' ceilings, crown molding, Kitchen counter tops are Formica Brand hard Surface, Island in kitchen is tiled. 4th bedroom is now set up as office. Oversized garage,laundry tub, outside shower, Hot Tub, above ground pool. Very secluded sub/division and close to Bay Park. The Woods subdivision in Santa Rosa Beach Florida is 15 minutes from Destin shopping, Sandestin, Baytowne Wharf, Grand Boulevard, Sacred Heart Hospital and of course, the Gulf of Mexico Beaches! Offered at $395,000.

Wendy Rulnick Recommended by Short Sale Lender

Today, after getting approval on a short sale home in Destin Florida, I received a letter from the negotiator at Everhome Mortgage:

EverHome Mortgage Company
Loss Mitigation Department

Dear Wendy,

Talk about a pleasure to work with! You are the consummate professional. Your honor and integrity are unquestionable. You have the patience to persevere even in the face of adversity and difficult circumstances. Your compassion for the people you serve is a model for humanity especially in this current economic environment. You recognize what it means to be a beacon of light for many who are in dark places.
Thank you for your insatiable appetite for good will and for the effort you put forth in every situation to try to make it better. It's easy to see why you are the top short sale specialist in Northwest Florida. Keep up the good work! May every blessing you give out be returned to you in great abundance!

Sincerely,
Beverly, Default Loan Workout Specialist

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search Destin FL real estate
Short Sale Pre Foreclosure Help.

Read Destin Real Estate Blog

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email itswendy@rulnickrealty.com

Wendy Rulnick specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. She is ranked in the top ½ percent of all Realtors on the Emerald Coast of Florida for resale listings sold and was featured in Kiplinger Personal Finance Magazine as a short sale specialist.

407 Botany Blvd, Botany Bayou, Santa Rosa Beach FL

Make an offer on this magnificant home in Botany Bayou, a gated water-front community in Santa Rosa Beach FL. This stunning home, custom built in 2004 features everything one might expect. The three bedroom stucco (concrete & block) home with split design, features nine to eleven foot trey ceilings, recessed lighting, a great room, formal dining room, and a separate formal living room and or office space. The great room and master suite have gas fireplaces, both rooms with access to the screened lanai and a 38′x16′ pool -50 yr. transferable warranty and equipment. The kitchen …the one dreamed of offers tile counter tops, beautiful wood cabinets with matching furniture design refrigerator and columns to define the breakfast bar. An additional dining area looks out to your private pool. The master bath features a separate walk-in tile shower with glass block, a whirlpool tub with waterfall faucet, his and her closets, and double vanities. This elite and nicely landscaped community has a day dock for your boat, fishing or watching sunsets over the water. There is a community pool and several nature trails through the state forest. This home offers lots of privacy as it is across the street from the bayou and is backed by the state forest. Close to Sacred Heart hospital and many fine restaurants in Santa Rosa Beach, Sandestin and Destin FL. Short sale.

List price $469,900

Wendy Rulnick specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Crestview, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy Rulnick, Broker and Realtor, has been selling real estate for 20 years. She has won numerous awards, including the coveted ADDY for advertising design. An expert marketer of real estate listings, she negotiates successfully to her clients’ advantage. She is supported by a team of top buyer specialists. She lists and sells homes, condos and townhomes.

It’s Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search Destin FL real estate

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email itswendy@rulnickrealty.com

Santa Rosa Beach FL Home For Sale

76 Harborview Dr. E, Santa Rosa Beach FL

Oooohhh Ahhhhh Ooooh! This is a fine Santa Rosa Beach FL home in the Mack Bayou area. Wood floors, 9′ high ceilings on both first and second floor, solid surface counters. Open floorplan, porches add to cottage airs. Impeccably kept and decorated. Fireplace. Wonderful master bedroom with sitting area. Second floor balcony accessed by two bedrooms. This is not a cookie-cutter home, but an elegant residence! More pluses: plentiful under-stair storage, playhouse in fenced yard, security system. Short Sale subject to seller’s mortgage holder’s approval. $199,900

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Search Destin Florida real estate and vicinity.
Short Sale Pre Foreclosure Help.


Wendy Rulnick has been selling real estate for almost 20 years. She has won numerous awards, including the coveted ADDY for advertising design. An expert marketer of real estate listings, she negotiates successfully to her clients’ advantage. She is supported by a team of top buyer agents. Wendy specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy sells houses, condos, townhomes and lots.


Call Wendy Rulnick 850-650-7883 ext 204
email itswendy@rulnickrealty.com

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Short Sale Listings: Tips & Tricks

Preparation and organization are some of the keys to a successful Short Sale. This starts with the listing process.

1. Determine if your seller has a legitimate hardship. Some of those are: loss of income, divorce, medical, transfer, job loss, death of breadwinner, etc. Not "I want to move", "I am tired of paying the mortgage" or " The value of my house went down".

2. Very important -ask your seller to contact his lender before you list the property. Why? The lender may have a loan modification or forbearance plan that may help your seller solve his problem. Additionally, the lender may have its own preferred loss mitigation package to send to your seller. Further, a few lenders order an appraisal of the property at the beginning of the Short Sale process. Some examples are: BB&T, First American, and Citi Residential. The early appraisal may be helpful to you in determining a target "net". The challenge of an early appraisal, however, is that the market is still declining in most areas and appraisals don't stay valid for long.

3. If your seller has received foreclosure correspondence from his lender, recommend he contact an attorney. In any event, your seller may want legal advice if he has any concerns about his rights with his mortgagees.

4. After listing the property, prepare your separate Short Sale file in advance. This will save you time when you receive an offer, and keep you organized. It's best to have a separate Short Sale folder, because extraneous information, such as surveys, disclosures, etc. will not be needed to send to the lender.

What is in this file? For each lender, such as first mortgage and junior lien, prepare a set of documents as follows:

Hardship letter
1-2 years tax returns
Financial Worksheet
Listing Agreement
Payoff of other lien if more than one (order immediately after listing)
Letter of Authorization (send to lender immediately after listing)

Use pre-printed labels for every page with appropriate loan number and description of what each page is, e.g. Hardship Letter 877600984

Remember when you actually have a contract you will need to supplement each package with your seller's most recent proof of income and bank statements.

There are many factors that contribute to a successful Short Sale. Preparation and organization are two of them.

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search Destin real estate

Short Sale Pre Foreclosure Help.

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email itswendy@rulnickrealty.com

Wendy Rulnick, Broker and Realtor, specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. She lists and sells homes, condos and townhomes. Wendy has been selling real estate for almost 20 years. She has won numerous awards, including the coveted ADDY for advertising design. An expert marketer of real estate listings, she negotiates successfully to her dients' advantage. She is supported by a team of top buyer specialists.

All Rights Reserved. *Short Sale Listings: Tips & Tricks* Contact Wendy Rulnick regarding Destin Florida real estate and vicinity. Copyright © 2008 by Wendy Rulnick.

This site, Wendy Rulnick or Rulnick Realty, Inc. is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax advisor for more information.

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Rulnick Realty Grows Again in Destin Florida

Wendy Rulnick, Broker/Owner of Rulnick Realty in Destin FL, is proud to announce that Norma Roy has joined the firm. Ms. Roy has been a licensed Realtor since 1972. She brings a vast knowledge of real estate from land purchase to final development and construction of homes. Having worked in the local area in Okaloosa and Walton counties she has successfully marketed several sub-divisions from start to finish. Some of her projects include: Destin FL homes: Bonvillas at Bayside, Bonair at Bayside, Ridgewood Manor, Etretat; Santa Rosa Beach FL homes: Escada homes and townhomes; Fort Walton Beach properties: Forest Cove, Springgate, Atwater, Live Oak Manor; Crestview homes: Holly Rod Park.

Her background as a Sr. Accountant has been valuable in explaining costs of buying and selling to clients. Broker, Wendy Rulnick says: "Norma's impressive resume and experience assure her clients the most professional real estate transaction. She is a great asset to our company."

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search Destin real estate and vicinity.

Short Sale Pre Foreclosure Help.

Wendy Rulnick has been selling real estate for almost 20 years. She has won numerous awards, including the coveted ADDY for advertising design. An expert marketer of real estate listings, she negotiates successfully to her clients' advantage. She is supported by a team of top buyer agents. Wendy specializes in real estate sales, short sales, traditional sales on Emerald Coast of Florida: Destin real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Wendy sells houses, condos, townhomes and lots.

Call Wendy at 850-650-7883 or toll free 1-877-487-9639

email itswendy@rulnickrealty.com

All Rights Reserved. *Rulnick Realty Grows Again in Destin Florida* Contact Wendy Rulnick regarding Destin Florida real estate and vicinity. Copyright © 2008 by Wendy Rulnick.

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Rulnick Realty: 2 New Agents

What a fabulous week. I would say, full of "serendipity! I've hired two new agents to work at Rulnick Realty. The first, Beverly Dudley, has several years real estate experience. She will also fill the role of my executive assistant. I was looking for an additional staff member, as we are overwhelmed with new listings and short sales. Each day, my office manager, Gareth Wood, and I fill every every second multi-tasking, eating at our desks, phone, email and writing simultaneously. It's been crazy. That's why I knew I needed to expand my staff to keep up with the flow of new business. Beverly will help with prospecting, closing coordination and filling in as necessary. She previously worked for a top agent (now retiring) in my area. She sold new construction homes and townhomes in Santa Rosa Beach, as well as beachfront condos in Destin. Beverly's got a great, outgoing personality. One thing that impressed me was when she said, "When I get a contract-it closes!" Now, that's confidence.

My other new agent is Carl Hoskins from Santa Rose Beach. Carl was in the U.S. Air Force for many years, acting, believe it or not, as secretary to generals! He's been in real estate for two years. What's quickly evident is- he is meticulous about what he does. He has a solid grasp of the market, is detail-oriented, and has a warm, people-loving personality. He has many military connections and enjoys building relationships. What a great combination!

It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.

Search Destin Florida real estate and vicinity.

Short Sale Pre Foreclosure Help.

Read my Blog.

Specializing in real estate sales on Emerald Coast of Florida: Destin Florida real estate, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Dune Allen, Blue Mountain Beach, Freeport, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Copyright © 2008 By Wendy Rulnick. All Rights Reserved. *Rulnick Realty: 2 New Agents* Contact Wendy Rulnick regarding Destin Florida real estate and vicinity.