Jacksonville Real Estate Ramblings: Florida: Middleburg

Succesful Short Sale in Middleburg Florida

Successful Short Sale in Middleburg, Florida

 

 

 

The property: This was single family home in Middleburg with 3 bedrooms, 2 bathrooms, little over 1300 square feet. On a cul de sac. House was in move in condition. New roof, tile flooring, ginormous backyard. 

Hardship: Required relocation, loss of tenants.

Short sale scenario: 2 loans, one with Wells Fargo, one with Bank of America. Only had one buyer on this house.  From contract to closing it took 3 months. The seller did have to contribute around $300. No promissory note and the defiency judgment was waived on both loans. Sold for 81k, owed a total of approximately 120k.

If you find yourself in a short sale situation and want to know your options either call me at 904-910-3516 or email me at pam@pamgraham.com.

 

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

2 comments • Pam Graham- Jacksonville Florida Real Estate • December 14 2011 01:44PM

Another Short Sale Success in the Middleburg, Florida Area

Successful Short Sale in Middleburg, Florida

 

The property: This was single family home in Middleburg with 3 bedrooms, 2 bathrooms, almost 1800 square feet. On a cul de sac. House was in move in condition. 

Hardship: Required relocation.

Short sale scenario: The lender was Navy Federal. Only one loan. The seller's continued making their payments all the way up to closing. Took 2 months to get short sale approval. Not easy to talk to the negotatator. Whenever I called to get updates, I was never put through to the person handling the file. I could only get updates from the person who happened to answer the phone that day. Only one contract on this home. Sold for 151k, owed approximately 206k. No promissory note, but the seller did contribute 5k at closing.

If you find yourself in a short sale situation and want to know your options either call me at 904-910-3516 or email me at pam@pamgraham.com.

 

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

0 comments • Pam Graham- Jacksonville Florida Real Estate • December 13 2011 10:06AM

Middleburg Florida Short Sale Success Story

Successful Short Sale in Middleburg, Florida

 

The property: This was single family home in Middleburg with 3 bedrooms, 2 bathrooms, little over 1500 square feet. Ginormous fenced backyard.

Hardship: Divorce situation, financial difficulties.

Short sale scenario: We did have an offer on this property before the final one that closed. The first offer was approved in 32 days. This short sale was with Litton Loans.  This is another lender who is easier to work with, from contract to closing (the final offer that stuck) was only 40 days.  The seller did have a promissory note of $3k. Sold for 104k, owed 175K. 2 loans both with Litton.

The real estate market would turn around faster, if we could decrease the short sale inventory drastically. One way of doing that would be to have a faster short sale approval turn around. Less buyers walking away from getting impatient.

If you find yourself in a short sale situation and want to know your options either call me at 904-910-3516 or email me at pam@pamgraham.com.

 

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

2 comments • Pam Graham- Jacksonville Florida Real Estate • December 13 2011 09:31AM

138 N Mimosa Middleburg, Fl 32068

138 N Mimosa Middleburg, Fl 32068

138 N Mimosa Middleburg, Fl 32068

This is a cute starter home in Middleburg Florida. Low maintenance brick front and vinyl siding. Nice little porch to take a break and just relax.

 

Storage area for 138 N Mimosa Middleburg, Fl 32068

With a little over an acre, there's plenty of room for your RV, pool, pets and boat. Speaking of a boat, not far is a public boat ramp.....

 

Public boat ramp in Middleburg, FL

This is a public boat ramp right off of Main St in Middleburg, Florida.

 

Side yard 138 N Mimosa Middleburg, Fl 32068

This is the left side of the house and yes, the above ground pool stays!

 

Kitchen for 138 N Mimosa Middleburg, Fl 32068

Inside, is the spacious eat in kitchen. The counter tops are beautiful granite.

 

Family room 138 N Mimosa Middleburg, Fl 32068

Plenty of room for family and friends in the family room on those special occasions.

 

 

 This wonderful home is NOT a short sale and is being offered ar $114,000.

SCHOOLS:

Wilkinson Elementary

Elementary: Wilkinson Elementary


Wilkinson Jr High

Jr High: Wilkinson Jr High


Middleburg High

High School: Middleburg High

Bus route info


Clay County Florida Real Estate Market Reports

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

0 comments • Pam Graham- Jacksonville Florida Real Estate • November 15 2011 04:02PM

Another short sale success in Middleburg, Florida!

Successful Short Sale in Middleburg, Florida

 

The property: This Middleburg townhome is  2 bedrooms, 2.5 bathroom, almost 1300 square feet. Very low HOA fees.

Hardship: Was a rental, had difficulties renting. Owner also had some health issues to deal with in the family.


Short sale scenario: By far, this was the best and easiest short sale to complete. The lender was Wells Fargo Financial, which is different than Wells Fargo Mortgage, but part of the same family. Wells Fargo Financial's short sale procedure is to start the short sale process when the house is first listed. They assigned a negotiator and had the BPO done quickly. We established a price and once a month, I completed a market report form and we would reduce the price to generate showings. Once it went under contract, I had an approval with Wells in a week. The buyer even received a $3k carpet allowance. No promissory note and no out of pocket money from the seller. Sold for $80,000 with over 50k forgiven.

If you find yourself in a short sale situation and want to know your options either call me at 904-910-3516 or email me at pam@pamgraham.com.

 

Other successful short sales I've completed:

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

0 comments • Pam Graham- Jacksonville Florida Real Estate • October 26 2011 03:20PM

Short sale success in Middleburg, Florida!

Successful Short Sale in Middleburg, Florida


The property:

This is a 3 bedroom 2 bath single family home located in Middleburg, Florida. The house was in good repair, except for some cosmetics items like old carpet and vinyl flooring.  The lien holder was American Home Mortgage Servicing Inc and the balance was $153,000.

Hardship:

The loan was an ARM and the sellers couldn't refinance due to being upside down. The sellers were having difficulty keeping up the payment. 

Short sale scenario:

You have to have patience when dealing with short sales, which with a phrase like short sale, you would expect quick and easy. Nope. Short sale ONLY applies to the house selling short of what's owed on the mortgage. Shucks! Anyway, this house was on the market for about 5 1/2 months from list date to closing. It took 3 offers before the final buyer stuck with the deal.  The house sold for $105,000 and the buyers received a $2500 flooring allowance from the lien holder. The seller did not have to bring money to closing, or sign a promissory note. They also received a waiver of a deficiency judgment.

Other successful short sales I've completed:

  • Wells Fargo Financial
  • Navy Federal
  • Litton Loan
  • Wells Fargo
  • Bank of America
  • Select Portfolio Servicing, Inc
  • HSBC
  • Provident Funding
  • Litton

Are you facing foreclosure? Call me at 904-910-3516 or email me at pam@pamgraham.com to discuss your options.

 

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

2 comments • Pam Graham- Jacksonville Florida Real Estate • September 13 2011 12:43PM

2616 Parliament Ct Middleburg, FL 32068

SOLD FOR $81,000 04/26/2011

SOLD FOR $81,000 04/26/2011

2616 Parliament Ct Middleburg, FL

32068 This spacious home is move in ready! New roof, new exterior and interior paint. Carpet in bedrooms in great shape, tile throughout the house. The office has built in desk and shelves. Huge yard is completely fenced in. Located close to Orange Park, minutes from Fleming Island, shopping, schools and more are close by. Requires lien holder approval. Being offered for only $84,000!

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

0 comments • Pam Graham- Jacksonville Florida Real Estate • September 29 2010 04:02PM

2621 Parliament Ct Middleburg, FL 32068

SOLD FOR $105,000

This home is a great starter home with all the big ticket items done. New roof, HVAC and hot water heater in 2006. New tile in the hallway and both bathrooms. Carpet is original to the house and needs to be replaced. Owner is licensed real estate agent and offering home for only $115k. Short sale requiring lien holder approval.

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

Search for homes    What's my home worth?    community profiles    contact a real estate agent

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

2 comments • Pam Graham- Jacksonville Florida Real Estate • October 28 2008 01:56PM

175 Knightboxx Road Middleburg, Fl 32068

This wonderful 3 bedroom 2 bath home has tile throughout, no carpet. Remodeled kitchen with new cabinets and counter tops. The large backyard is completely fenced. The 2nd bathroom has new cabinets, sink and re-tiled around the tub. Currently being offered for only $139,000

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

Search for homes    What's my home worth?    community profiles    contact a real estate agent

                    Home Value In Northeast Florida

 

Pam lists and sells homes in Jacksonville, Orange Park, Green Cove Springs, Fleming Island, Middleburg,Ponte Vedra, Atlantic Beach, Neptune Beach, Jacksonville Beach, Orangedale, Fruit Cove, Switzerland and St Johns County Florida.

Are you facing foreclosure? Call Pam at 904-910-3516 to discuss your options.

Pam Graham with All Real Estate Options handles Jacksonville Florida short sales, Orange Park Florida short sales, Fleming Island Florida Short sales, Middleburg Florida short sales, Green Cove Springs Florida short sales, St Johns County Florida short sales, Ponte Vedra Florida short sales, St Augustine short sales, Palm Valley short sales, Duval County Florida short sales and Clay County Florida short sales.

 

Copyright © 2011 www.pamgraham.com | All Rights Reserved

 

Mortgage Assistance Relief Services Disclosure

ALL Real Estate Options is not associated with the government and our services have not been approved by the government or your Lender. If you stop paying your mortgage you could lose your home and damage your credit. Your Lender may not agree to the change of your loan and/or a Short Sale.With a Short Sale, there are no guarantees offered and we cannot provide legal advice. Seek legal advice.

0 comments • Pam Graham- Jacksonville Florida Real Estate • September 19 2008 10:22AM