FL-Foreclosure Help Now

Palm Beach County Housing Market Snapshot

Fri, 05 Feb 2010 11:18:09 GMT

January 2009/2010 Palm Beach County Housing Market Statistics:

Condos under contract:

2009: 344 2010: 716 108.1% increase. We feel the increase in condos under contract is the large number of foreclosures and short-sales in this market, unfortunately the majority will not close due to lack of financing for this product.

Condo Units Sold:

2009: 230 2010: 288 25.2% increase in number of units sold. The number of investors in the market is contributing to the greater volume in Palm Beach County sales. These are mainly cash transactions. December 09- January 2010 volume decreased signifigantly from 444 in Dec09 to 288 in Jan2010.

Condos Median Price Sold:

2009 $65,500 2010: $65,000 .8% decrease in values. This is a good sign that condo prices are remaining steady, but vlaues are down considerably from 2006-2008 levels.

Residential Single Family Homes Under Contract:

2009: 597 2010: 995 66.7% Increase in homes under contract is similar to the condos, with high under contract numbers, but low actual closings. Again, this is a factor of the Short-Sale problems that will remain for some time.

Residential Single Family Homes Units Sold:

2009: 404 2010: 415 2.7% Increase in units sold. Another good sign that people are buying. The majority of homes sold are in the lower end of the market and purchased unsing government FHA financing. December 09- January 2010 volume decreased signifigantly from 782 in Dec09 to 415 in Jan2010.

Residential Single Family Homes Price Sold:

2009: $219,000 2010: $238,000 8.5% Increase. This is a good sign that prices are remaining consistant and in some cases increasing. My opinion is the increase in prices is due to the lack of good inventory, and banks holding the line on prices. Remember, the banks control the inventory and price.

We are continuing to struggle through the recovery, but there are some positive signs. Lets hope things continue on the path.

Palm Beach County Foreclosures

Fri, 05 Feb 2010 10:35:36 GMT

Palm Beach County foreclosures continue to plague the courts. Although they seem to have leveled off, Foreclosure filings for 2009 increased 4% to 30,227, and has a backlog of 55,000 cases.

In order to reduce the flood, judges are requiring paries to attend mediation at the cost of the lender, but that generally only slows the process.

According to Circuit Court Judge Peter Blanc, "As hard as everybody's working, we're still not quite treading water with the foreclosures."

As the Subprime loans windo down and now we enter the world of Option Arm and Prime Loand going into default over the next 12 months, the tide does not appear to be changing for the near future.

Please download our latest FREE report "Myths and Misrepresentations of Strategic Defaults"

I'm here to help!

Craig Fialkowski GRI, CDPE

Herman Group Real Estate

FHA Loans will cost more!

Thu, 28 Jan 2010 08:20:22 GMT

Those Who Wait Will Pay Thousands More This Spring

Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.

I'm here to help!

Craig Fialkowski GRI, CDPE

Herman Group Real Estate

Credit Suisse Mortgage Reset Chart

Wed, 27 Jan 2010 15:49:28 GMT

Mortgages Loans will continue to default into 2010-2011 as interest only, and option arm loans reset.

If you have one of these mortgages, and having difficulty paying your mortgage, you need to call me right away.

I'm here to help!

Craig Fialkowski GRI, CDPE

Herman Group Real Estate

Florida #2 in Foreclosures

Sat, 12 Dec 2009 21:41:50 GMT

Palm Beach Post - Kimberly Miller

Home sales are up, home inventory is down, prices are stabilizing, and for many real estate watchers it appears the market has spent the latter part of 2009 in recovery.

But for some, "the 2005 bubble people," one Realtor calls them, the nightmare continues.

Florida bumped California in November to earn the No. 2 rank nationally for the rate of foreclosures, with one in every 165 homes in danger of becoming bank-owned, according to a report to be released today by Irvine, Calif.-based RealtyTrac.

It bucked the national trend, which has seen four months of foreclosure decreases, including an 8 percent drop in November compared with October.

Statewide, Florida foreclosures increased 2 percent in November over October, and about 8 percent compared with the same time in 2008.

"There is a lot of property that sold in '03, '04, '05, and they are all upside down and if people lose their jobs, they are going to hurt," said Douglas Rill, owner of Century 21 America's Choice Realty in West Palm Beach. "Until that big lump walks through the market, it's going to be an albatross, a damper, an anchor on the full rebound."

In Palm Beach County, 3,321 foreclosure filings were recorded in November, nearly identical to October, but a 26 percent increase over 2008.

Treasure Coast counties saw foreclosure decreases in month-to-month and annual filings, with Martin County down 13 percent compared with November 2008 and St. Lucie dropping 32 percent.

Nationally, 306,627 homes had foreclosure filings in November. Nearly 53,000 of them, or one in six, were in Florida. Nevada ranked worst nationally in November, with one in 119 homes with a foreclosure filing.

Analysts said the national trend in the reduction of foreclosures can be attributed to an increase in banks processing short sales, the first-time home buyer tax credit, which was expanded and extended through April, and loan modification efforts under the federal Making Home Affordable Program.

Today, the Treasury Department releases its November loan modification report.

In October, 82,614 Florida loans were in a trial modification or had been permanently reduced.

Kathryn Lomax's loan on the Royal Palm Beach home she bought in 2005 was one of them. She said she's been working to get a modification since February.

"My husband's company downsized in January. They took his company vehicle, cut his pay, so we requested assistance."

But RealtyTrac experts warn that loan modifications may be a temporary fix.

" Modification is going to help a portion of people avoid foreclosure, but in over half of the cases, it's just delaying the inevitable," said RealtyTrac spokesman Daren Blomquist.

Still, it has cut this year's foreclosure estimates .

RealtyTrac originally forecast there would be 1.4 million properties nationwide in foreclosure at the end of September. The number was 940,000.

I'm here to help!

Craig Fialkowski - CDPE

Equestrian Estate In Wellington FL. Polo Country

Mon, 23 Nov 2009 13:12:01 GMT

Craig Fialkowski GRI, CDPE | Herman Group Real Estate | 561-827-1790

13465 Southfields Rd., Wellington, FL

Equestrian Estate in the heart of Polo Country. Relax and Enjoy the peaceful serenity of your private estate.

6BR/5.5BA Single Family House

offered at $1,495,000

Year Built	1999
Sq Footage	7,911
Bedrooms	6
Bathrooms	5 full, 1 partial
Floors	Unspecified
Parking	4+ Car garage
Lot Size	2.31 acres
HOA/Maint	$0 per month

DESCRIPTION

Enter through the private gates of your stately palm tree lined stone driveway into one of the most recognizable equestrian estates in Wellington. Loaded with all of the grand appointments you expect and more, all on 2.31 acres of manicured grounds. Wellington is Internationally known for the Winter Equestrian Festival and this Estate is only a short HACK away. Apart from the stately home, features a 5 stall center island barn, 5 paddocks, and large practice ring. Along with separate tack and guest house with full bath and sitting room. All with an additional 1.5 car garage/workshop. Agressively priced!

see additional photos below

PROPERTY FEATURES

- Central A/C	- Central heat	- Fireplace
- High/Vaulted ceiling	- Walk-in closet	- Hardwood floor
- Tile floor	- Family room	- Living room
- Bonus/Rec room	- Office/Den	- Dining room
- Breakfast nook	- Dishwasher	- Refrigerator
- Stove/Oven	- Microwave	- Granite countertop
- Stainless steel appliances	- Attic	- Washer
- Dryer	- Laundry area - inside	- Balcony, Deck, or Patio
- Yard	- Swimming pool

ADDITIONAL PHOTOS

Aerial Front	Front
Kitchen	Dining
stable	Aerial Rear

Contact info:

Craig Fialkowski GRI, CDPE

Herman Group Real Estate

SL3102176

561-827-1790

For sale by agent/broker

Equal Opportunity Housing

Posted: Nov 23, 2009, 7:56am PST

More Foreclosures Predicted to Hit the Market in 2010

Wed, 18 Nov 2009 13:36:16 GMT

The Real Estate market has stablized due to outside influences (Government) in order to reduce the true extent of the housing crash. With federal dollars, banks are able to prop up their financials and make them look healthy to the unsuspecting investors who are dumping what's left of their hard earned money in the Stock Market. If we see another dip, it will be massive and losses will be substantial.

13.54% of the 44.7 million mortgages tracked by the Mortgage Bankers Association are delinquent.

7.57 million homeowners are delinquent, applying the same percentage to the 11.2 million mortgages not tracked by the MBA (55.9 million total mortgages in the U.S.). That means that 10% of all homeowners in the country are delinquent.

Based on historical trend analysis by Amherst Securities, 6.94 million homes that are already delinquent will be liquidated, which is more than a one year supply of distressed sales poised to hit the market sometime in 2010 and 2011. During Q1 2005, that figure was only 1.27 million.

Defaults continue to grow at the rate of approximately 300,000 per month, assuring that the number of distressed sales will grow and will continue through 2012.

Although banks are selling their assets in bulk to investment funds, they find it more profitable to sell them 1 at a time.

2010 will be an interesting and challenging year, how companies like Toll Brothers, Pulte/Centex,Lennar, GL Homes, Minto, will survive is unknown.

I'm here to help!

Craig Fialkowski GRI, CDPE

Herman Group Real Estate

Mortgage Modification Programs Fail to Help Homeowners

Thu, 12 Nov 2009 12:40:22 GMT

Washington AP

"As of the end of October, more than 650,000 borrowers, or 20 percent of those eligible, had signed up for trials lasting up to five months, the Treasury Department said Tuesday. The modifications reduce monthly payments to more affordable levels.

To make the change permanent, though, borrowers must complete a big stack of paperwork and show they can make their payments on time. At the beginning of September, only about 1,700 permanent modifications had been made. The Treasury Department expects to release updated data later this month."

WOW. only .0005% of elligible homeowners are actually seeing changes in their mortgages. Unfortunatley the remaining homeowners in hardship will never see any assistance.

My concerns are the cost to help such a small percentage of homeowners far exceeds the value received. These programs cost Millions of dollars to be managed and are not producing results. What happened to cancelling programs that are ineffective, or don't work. HELLO, CONGRESS? Anyone there?

Craig Fialkowski GRI, CDPE

Herman Group Real Estate

Inventory of homes for sale shrinks to 7 months

Tue, 10 Nov 2009 20:56:59 GMT

Inventory of homes for sale shrinks to 7 months.

Palm Beach Post - October 26, 2009

Kimberly Miller - Staff Writer

Pickins' were slimmer in Palm Beach County's real estate market last month with the supply of homes and condominiums at a two-year low.

A Realtors Association of Palm Beach County report released Thursday shows a 7-month inventory of single-family homes in September.

That's down from a December 2007 supply high of 40 months - a glut of more than three years.

Condos too saw supply shrink in September with 11 months of inventory available, down 80 percent from September 2007's reserve of 57 months.

"We have been seeing a decrease in inventory since March," said Craig Fialkowski CDPE, a Realtor with Herman Group Real Estate in Palm Beach Gardens, who attributed some of the supply reduction to first-time buyers cashing in on the $8,000 tax credit.

To be eligible for the tax credit, buyers must close on a home before or on Nov. 30, but there is legislation being considered by Congress that could extend the program.

"Depending on what happens with an extension, inventory could rise over the next month or so, until January when the season of buying kicks in," Fialkowski said.

A statement from the Realtors association said the decrease in supply is good news, a sign of a steady recovery in the South Florida real estate market.

But while sales grew, September prices continued to fall compared to the same time last year.

The median sale price for a single family home was $239,000, down $28,250 from September 2008. (The price was a $4,000 increase over August).

September's median sale price for a condominium was $75,100, a $10,000 decrease from August and a $30,900 reduction compared to the same time last year.

Realtors roll up sleeves to move property

Tue, 10 Nov 2009 20:46:14 GMT

Realtors-roll-up-sleeves-to-move-property

Palm Beach Post - November 1, 2009

Kimberly Miller - Staff Writer

It's practically real estate lore, a time when housing contracts slid through the approval process like residents into a new gated community and real estate agents had little more to do than pick up the phone to settle a deal.

Today's Realtors are working harder than ever to secure their clients' loans from bashful banks and seal short-sale contracts that can take months to finalize.

Giving up a smidge of commission is only the beginning.

When an appraisal is at stake, Realtor-fronted fixes to roofs, electrical systems and air conditioners are no longer taboo.

In this recovering market, agents have purchased and installed stoves — a required appliance for a Federal Housing Administration loan — paid for new carpet, cleaned up rat feces and helped landscape properties when a deal was on the fence.

If the sale ultimately falls through, the Realtor is out the elbow grease and cash.

"We used to have a market where people were just writing offers and buying homes and you didn't have to do anything because it all just happened," said Brian Paul, CEO of the Realtors Association of Palm Beach County. "Now, in this market, people are having to really work."

Palm Beach Gardens Realtor Craig Fialkowski, CDPE knows all about that. He personally ripped out and repaired a moldy wall in a kitchen in October before it was appraised.

"I told the buyer, 'Just get some drywall and a sheetrock knife, and he said, what's a sheetrock knife?' I knew I had to help," Fialkowski said.

He also recently paid $350 to have an air conditioner serviced in a home where the sale eventually fell apart.

"Lately it seems like everyone is going out of their way to get transactions done," said Fialkowski, who works with Herman Group Real Estate.

The extra effort coupled with the recent rebound in the market appears to be paying off, according to a September sales report from the Florida Realtors.

Palm Beach County single-family home sales were up 43 percent in September compared with the same period in 2008. Condo sales were up 30 percent.

At the same time, median single-family home prices in Palm Beach County were down 17 percent to $242,900. Condos dropped 24 percent to $106,700.

"People who otherwise couldn't afford a home can now afford one," Paul said.

But sometimes, just barely.

That's when a Realtor has to judge risk vs. reward when it comes to putting money up to make a sale, and whether it's really the best thing for the borrower.

"If they can't buy a home for lack of a stove, can they really afford a mortgage?" asked Curtis Lowe, president of the Realtors Association of St. Lucie County. "I tend to try and help with the bottom line, but have I bought a stove? Sure, that's a good return on my investment."

Jennifer Hernann, of RE/MAX Prestige in West Palm Beach, had clients who found a "cute little starter house" and qualified for an FHA loan.

One of the home's bedrooms, however, needed carpeting — an FHA requirement.

So Hernann bought a carpet remnant for $120 and, although it wasn't perfect, installed it herself.

"Some things are just worth doing and getting done with so you can get the deal closed," she said.

Fialkowski has trimmed trees and laid mulch to make a successful sale when a homeowners association refused to release a house for sale without yard maintenance. Fialkowski's clients had 24 hours to do the work.

"We went over to do it and Craig was already there sweating away," said client Mary Carter, who bought the home with her husband, Keith. "We're in new times and I guess you have to be prepared for a new set of rules if you're a Realtor."

Above and beyond In this market, Realtors have: - Installed stoves.- Paid for and laid new carpet.- Funded a/c repairs.- Cleaned up after animals.- Helped landscape properties.

First Time Home Buyer Tax Credit

Tue, 10 Nov 2009 20:35:59 GMT

Homebuyer Tax Credit Update!

On November 6, 2009, President Obama signed a bill to extend the tax credit for first-time homebuyers (FTHBs) through June 30, 2010. The bill also opens up opportunities for others who are not buying a home for the first time.

TAX CREDIT OVERVIEW

Who Gets What?

First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

What are the New Deadlines?

In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

What are the Income Caps?

The amount of income someone can earn and qualify for the full amount of the credit has been increased.

Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, single filers who earn $145,000 and above are ineligible

Joint filers who earn up to $225,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, joint filers who earn $245,000 and above are ineligible.

What is the Maximum Purchase Price?

Qualifying buyers may purchase a property with a maximum sale price of $800,000.

What is a Tax Credit?

A tax credit is a direct reduction in tax liability owed by an individual to the Internal Revenue Service (IRS). In the event no taxes are owed, the IRS will issue a check for the amount of the tax credit an individual is owed. Unlike the tax credit that existed in 2008, this credit does not require repayment unless the home, at any time in the first 36 months of ownership, is no longer an individual’s primary residence.

How Much are First-Time Homebuyers (FTHB) Eligible to Receive?

An eligible homebuyer may request from the IRS a tax credit of up to $8,000 or 10% of the purchase price for a home. If the amount of the home purchased is $75,000, the maximum amount the credit can be is $7,500. If the amount of the home purchased is $100,000, the amount of the credit may not exceed $8,000.

Who is Eligible for the FTHB Tax Credit?

Anyone who has not owned a primary residence in the previous 36 months, prior to closing and the transfer of title, is eligible.

This applies both to single taxpayers and married couples. In the case where there is a married couple, if either spouse has owned a primary residence in the last 36 months, neither would qualify. In the case where an individual has owned property that has not been a primary residence, such as a second home or investment property, that individual would be eligible.

As mentioned above, the tax credit has been expanded so that existing homeowners who have owned and occupied a primary residence for a period of five consecutive years during the last eight years are now eligible for a tax credit of up to $6,500.

How Much are Current Home Owners Eligible to Receive?

The tax credit program includes a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.

Can Homebuyers Claim the Tax Credit in Advance of Purchasing a Property?

No. The IRS has recently begun prosecuting people who have claimed credits where a purchase had not taken place.

Can a Taxpayer Claim a Credit if the Property is Purchased from a Seller with Seller Financing and the Seller Retains Title to the Property?

Yes. In situations where the buyer purchases the property, even though the seller retains legal title, the taxpayer may file for the credit. Some examples of this would include a land contract or a contract for deed.

According to the IRS, factors that would demonstrate the ownership of the property would include:

1. Right of possession,
2. Right to obtain legal title upon full payment of the purchase price,
3. Right to construct improvements,
4. Obligation to pay property taxes,
5. Risk of loss,
6. Responsibility to insure the property, and
7. Duty to maintain the property.

Are There Other Restrictions to Taking the FTHB Credit?

Yes. According to the IRS, if any of the following describe a homebuyer’s situation, a credit would not be due:

They buy the home from a close relative. This includes a spouse, parent, grandparent, child or grandchild. (Please see the question below for details regarding purchases from “step-relatives.”)
They do not use the home as your principal residence.
They sell their home before the end of the year.
They are a nonresident alien.
They are, or were, eligible to claim the District of Columbia first-time homebuyer credit for any taxable year. (This does not apply for a home purchased in 2009.)
Their home financing comes from tax-exempt mortgage revenue bonds. (This does not apply for a home purchased in 2009.)
They owned a principal residence at any time during the three years prior to the date of purchase of your new home. For example, if you bought a home on July 1, 2008, you cannot take the credit for that home if you owned, or had an ownership interest in, another principal residence at any time from July 2, 2005, through July 1, 2008.

Can Homebuyers Purchase a Home from a Step-Relative and Still be Eligible for the Credit?

Yes. As long as the person they buy the home from is not a direct blood relative, the purchase would be allowed.

If a Parent (Who Will Not Live In The Property) Cosigns for a Mortgage, Will Their Child Still be Eligible for the Credit?

Yes, provided that the child meets the other requirements for the tax credit.

I'm here to help.

Craig Fialkowski

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:37 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

I'm here to help.

Craig Fialkowski
561-827-1790

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Give me a call,

Craig Fialkowski 561-827-1790

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

Craig Fialkowski
561-827-1790

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that many Palm Beach County residents feel a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” (Jingle Mail, Walking Away) are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report for Palm Beach County Residents outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Craig Fialkowski GRI, CDPE

www.FL-ForeclosureHelpNow.com

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud in Palm Beach County!

The last thing struggling Palm Beach County homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners in Florida are unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

FL-Foreclosure Help Now

Palm Beach County Housing Market Snapshot

Palm Beach County Foreclosures

FHA Loans will cost more!

Credit Suisse Mortgage Reset Chart

Florida #2 in Foreclosures

Equestrian Estate In Wellington FL. **Polo Country**

More Foreclosures Predicted to Hit the Market in 2010

Mortgage Modification Programs Fail to Help Homeowners

Inventory of homes for sale shrinks to 7 months

Inventory of homes for sale shrinks to 7 months.

Realtors roll up sleeves to move property

First Time Home Buyer Tax Credit

The Truth About Mortgage Modifications

The Truth About Mortgage Modifications

Options and Solutions

Options and Solutions

Foreclosure Vs. Short Sale

Foreclosure Vs. Short Sale

7 Short Sale Myths

7 Short Sale Myths

Short Sale & Deed-In-Lieu

Short Sale & Deed-In-Lieu

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

Your First Steps To Avoid Foreclosure

Your First Steps

Avoiding Mortgage Modification Fraud

Avoiding Mortgage Modification Fraud

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