Don’t be a statistic… Avoid Foreclosure!

You’ll be surprised to learn that many times when a homeowner is in distress they give up, without ever seeking an alternative to foreclosure.  Perhaps they don’t understand the process or feel like they no longer care, help is out there, all you have to do is ask.

I’m sure that it doesn’t feel like it now, but there will come a time when these current financially challenging times will be in the past and because a homeowner chose an alternative to foreclosure, they will be positioned to move on in the future without the consequences that have to be faced when a foreclosure happens.

7 Reasons to Avoid Foreclosure

1. You have to disclose that you have had a foreclosure on any mortgage application and many job applications you submit in the future. This can have an adverse affect on your future mortgage rates.  This is the only credit item that is asked for specifically on applications and does not rely on what is on an individual’s credit report.
2. Your credit score will be negatively affected and a foreclosure is the most devastating credit issue you can have in relation to future credit availability.
3. A foreclosure is the one credit report item that is almost impossible to “repair’.
4. Your lender can seek a deficiency judgment against you and collect for any amount they do not recuperate at bank sale.
5. Many employers run credit checks on prospective employees and foreclosure is one of the top items that will put a potential new hire in jeopardy.
6. Many current employers run credit checks and a foreclosure can put a current job in jeopardy.
7. Security clearances and government positions including but not limited to military and law enforcement can be jeopardized by a foreclosure.

As a Certified Distressed Property Expert [CDPE], I help homeowners that are in distress avoid foreclosure.  Contact me for a no obligation/free consultation to discuss your options to sell your home @ 407-758-1020.

IMPORTANT GOVERNMENT DISCLOSURE:  You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender (or servicer).  If you reject the offer, you will not have to pay us for our services.   Charles Rutenberg Realty is not associate with the government, and our service is not approved by the government or your lender.  Even if you accept this offer and use our service, your lender may not agree to change your loan.  If you stop paying your mortgage, you could lose your home and damage your credit.

Lake Mary City Hall – April 2, 2011 – 9am to 2pm

MUSIC…..FOOD…..LIVE BANDS….. & MORE!

Events for all ages including:

• Jousting
• Bungee Run
• Rock Climbing Wall
• Water Ball Activity
• Bounce House
• Face Painting
• Blood Mobile
• Adventure Bytes – Interactive Computer Games
• Crime Prevention Puppet Show
• FREE Golf Clinic [by Mike Bender]
• FREE Casting Clinic [by Gander Mountain]
• Gander Academy
• Pony Rides 11am – 2pm
• SSC Student & Faculty Art Show/Sale
• SSC Jazz Combo & Percussion Performances
• Orlando Magic Basketball [promotions & giveaways

Cars for the Cure 2011

Do you feel the need… The need for speed?

If so, you need to visit Lake Mary on Saturday for ‘Cars for the Cure’. Come see all the powerful and highly-tuned cars from around the world that will be on display at this charitable event for the American Lunch Association of Florida.

• 10am to 4pm
• Sports Cars, Luxury Cars, Foreign Exotics, Motorcycles and more
• Colonial TownPark in Lake Mary – Shopping, Restaurants & Entertainment
• Make any donation to the American Lung Association to receive a wristband for free beer, wine, soda, and merchant perks all day

For more information and a map to the location, please visit the Move To Lake Mary Blog.

If you are a care buff…  You don’t want to miss this event!

What's Selling in Sanford, Florida?

Sanford Florida is 25 minutes north of Downtown Orlando and 40 minutes to the Theme Parks and New Smyrna Beach. Sanford is Seminole County's oldest city and has a Historic District with shopping and restaurants.  Don't miss the new waterfront park with playgrounds and splash park!  A big hit with locals and visitors alike.

There is a wide variety of housing options to choose from in Sanford: New entry level communities, gated luxury communities or historic homes within walking distance to Lake Monroe.

Please contact me for more information about moving to Sanford, Florida.

Home Sales in Sanford, Florida:

• Terracina at Lake Forest - New Townhome Community
• The Preserve at Astor Farms
• Buckingham Estates

Homes for Sale in Sanford, Florida:

• Terracina at Lake Forest
• The Preserve at Astor Farms
• Buckingham Estates

Lake Mary Home Sales Report January 2011

Lake Mary is one of the top bedroom communities of Orlando, Florida...  Just 20 minutes North of downtown, 45 minutes to the Theme Parks and Beaches, Lake Mary is the choice of many families who live in Central Florida.

Check out the latest home sales in these popular Lake Mary Neighborhoods...

Lake Mary, Florida Neighborhoods

Record Cold in Central Florida - You're friends are waiting for you at the beach...

Record cold weather couldn't keep one brave soul from parking on the beach. While they were out for a walk, their car made a lot of new friends.  I hope when they came back that their car wasn't covered with more than just birds.

If you want to escape the great white North and spend some time at the beach this Winter... Come on down, new friends are waiting for you.

Home Sales in Huntington Pointe – Lake Mary, Florida

Huntington Pointe has homes starting in the high 100’s

Information, interactive area map and photos of the neighborhood of Huntington Pointe.

1793 Pine Bay Drive, Lake Mary, Florida

• BANK OWNED / FORECLOSURE
• 3 Bed/2.5 Bath – 1,825 sf
• Original list price:  $190,080
• List price at time of sale: $171,548
• Sales price:  $160,000
• Price Per Square Foot:  $87.67
• Days on the market: 104

Huntington Pointe Related Posts:

Huntington Pointe Home Sales: October 1 – 31, 2010

What’s your home worth? Get your FREE Huntington Pointe Home Evaluation

The Weather Outside is Frightful...

I love living in Central Florida... I wouldn't live anywhere else. 

But, when I sometimes complain mention during the summer I'm tired of the heat and I can't wait until it cools off, this isn't what I had in mind. Our average temperature this time of year is 73 degrees, we're not even going to break into the 50's today... THE 50'S!!!!

Note to self... Enjoy the hot Florida Summer!

Stay Warm out there!

Is anyone else experiencing unseasonably cold weather?  

Danny's Broasted Chicken - Lake Mary, FLorida

Since Opening in September, there hasn't been a week go by that we haven't visited Danny's Broasted Chicken. Dan grew up in the Orlando area and graduated from Lake Howell High School, but moved to New Jersey 20 years ago. We're so glad he's back and opened his new restaurant in Lake Mary.

If you are in Lake Mary and find yourself hungry, stop by and see Dan... He also serves up some scrumpsious wings [anyway you like them] and his 'Disco Fries' - cheese fries with a side of gravy for dipping are really a treat. Danny's Broasted Chicken is open 7 days a week for lunch and dinner.

Location: 3002 Lake Mary Blvd., Lake Mary, FL 32746 [by Planet Fitness]

Phone: 407-878-6655

If you have questions about Broasted Chicken, visit the Official Broasting Site.

New Homes Under Construction in Seminole County Florida

Truth be told... many homebuyers if they had a choice would buy a new home, instead of a resale. Seminole County home builders continue to build new homes and there really are some great opportunities available for homebuyers.

Are you looking for a New Home in Seminole County?

Here are Seminole County's top New Home Communities... Which one is right for you?

Lake Mary, Florida

Island Club Lake Mary - Photos - New Homes from the high 300's

Lake Mary Landings - Townhomes form the 130's

Sanford, Florida

Hidden Creek Reserve - Single Family Homes from the 220's

Savannah Park - Townhomes from the 160's

Terracina at Lake Forest - Townhomes from the 160's

Riverview  - Townhomes from the High 120's

Tusca Place - Single Family Homes from the 130's

Winter Springs, Florida

Jesup's Reserve - Townhomes from the 130's

Contact me for your personal tour of these New Seminole County Home Communities...