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How important is the hardship letter in the short sale approval process?

November 12, 2009

Within the short sale packet presented to the lender, there is a hardship letter that homeowners must provide. How important is this component in causing the lender to approve the short sale?

A. It is absolutely critical that the homeowner be able to document that they do not have the income or necessary assets to continue [...]

ABC Short Sale Video

July 11, 2009

Take a look at this Short Sale video done by ABC News. It give a little information on the short sale process works. If you have short sale questions or if you are looking for a short sale agent in Panama City, call Chad Miller at 850-249-6655. We do short sales and reo listings in [...]

How Countrywide sells REO Property

April 11, 2009

It’s been my experience that Countrywide negotiates very little if any.
Before Countrywide lists a property they have it appraised (estimated) for what it should SELL FOR in today’s market. Then they list the property at or near that price. If they don’t have any offers coming in they lower the price by 8 or 10 [...]

The Bay County Association of Realtors changed the MLS rules for Short Sales. How can you take advantage of this new change?

March 28, 2009

Realtors in Bay County, Florida (Panama City and Panama City Beach) are now required to change listings with an accepted offer by the seller, that is waiting approval from the lender, from an Active listing to a Contingent listing. This removes the listing from searchable websites and reduces the number of people that know the [...]

Miller & Associates
- Panama City Beach Foreclosure Watch March 4, 2010
  Here is your latest numbers on Lis Pendens in each of the Panama City Beach condos. Condo Count of Subdivision/Location AQUA CONDO 4 AQUA VISTA CONDOMINIUM 2 BAHAMA BEACH VILLAS CONDO 3 BAY POINT GOLF VILLAS CONDO 3 BAY POINT HARBOUR VILLAS CONDO 2 BAY POINT RESIDENCES CONDO 1 BAY POINT STUDIO VILLAS 2 & 3 6 BAYOU POINTE VILLAS CON […]
  Chad Miller
- Panama City Beach Named Top 5 Bargain Destinations By USA Today February 19, 2010
  It wasn’t to long ago that our area was named one of the Top 10 Destinations of 2010. It was very nice to know we’re a sought after area, but it’s this weeks news that makes a statement in today’s economy. In a recent article from USA Today, five destinations around the world were chosen as [...] […]
  admin
- The Truth About Recent Real Estate Sales Numbers February 15, 2010
  Over the past 90 days or so I have seen numerous news sources report that real estate sales are up. In fact, I saw one today reported by the Florida Association of Realtors. The article reported “Feb. 11, 2010 – Sales of existing single-family homes in Florida rose 44 percent in fourth quarter 2009 compared to [...] […]
  Chad Miller
- Southwest Airlines’ Service Starts May 23rd, 2010 February 15, 2010
  Southwest Airlines will begin non-stop service from the brand new Panama City Beach airport on May 23, 2010. The flights will take you straight to Houston, Nashville, Orlando, and Baltimore. You will be able to connect through these four cities to over sixty more cities in the United States. These flights will offer the residents of [...] […]
  Jeff Shouppe
- Open House This Weekend: Nautilus Cove Foreclosure February 12, 2010
  With the price reduction in full swing, we thought it was time to have a little open house to let all of you come take a look at this fantastic deal. We’re talking about Nautilus Cove #606. This 3 bedroom, 2 bathroom condo sits on the north side of Highway 98 right down the street [...] […]
  Tina Bass
- Price Reduction: Nautilus Cove Foreclosure! February 9, 2010
  We just had a 5% price decrease (now $89,100!!!) on our Nautilus Cove foreclosure. This is a beautiful 3 bedroom, 2 bathroom, 1200 square foot condo in the west-end of Panama City Beach! For more information and pictures on this great unit, click here! […]
  Chad Miller
- Look At The Stain On Our Lobby Carpet February 8, 2010
  \ Just kidding! That’s Sasha, the “other” office mascot besides Lucy. As you can tell, we’re huge dog lovers! […]
  Troy Steuwer
- Testimonial From The Griffiths February 5, 2010
  Sharon Williams, one of our Buyer specialists, received a wonderful little letter from some customers who recently bought a home from her in Wild Heron. Have a look! Dear Sharon, Trevor and I want to thank you once again for helping us find our Florida “dream house.” One word best describes you.. “professional.” You were very accommodating to [...] […]
  Troy Steuwer
- Watch: The Most Beautiful Sunset In Panama City Beach February 3, 2010
  Need to be reminded why you’re buying Panama City real estate? Have a look at this nice little video Chad Miller made while at the beach the other day. It really encompasses everything Panama City Beach is about. Relaxing, the beach, and a little fun along the way. By the way, check out the cute [...] […]
  admin
- Treasury Looking To Assist Short Sale Process February 3, 2010
  While we’re not entirely sure if this is true (we’re still researching), some lovely news has popped up on AJCHomeFinder.com that states that the Treasure is trying to assist the short sale process. We at Miller & Associates Realty know to well how short sales work. You take your buyer to look at a home, they [...] […]
  Joanie Miller