Rob Rosa & Rubicon Crossings - Short Sale listing review for clientRob Rosa
Learn the basics of what is needed and expected for a short sale in CT. Every step of the way is documented and we can help you get the documents together that you will need to share with the banks and get an approval.
Rob Rosa & Rubicon Crossings - Short Sale listing review for clientRob Rosa
Learn the basics of what is needed and expected for a short sale in CT. Every step of the way is documented and we can help you get the documents together that you will need to share with the banks and get an approval.
In real estate, a short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic hardship on the part of the mortgagor.
Being a first time home buyer is just like any other first, its; exciting, terrifying, and uniquely life changing. As a first time home buyer, you often will not be aware of the steps required in the process of purchasing a home, and that is where we come in.
It's 2015 - Time for a reboot! I offer 13 ways to Hack Your Life; some things don't even require a single dime. Why don't you PICK ONE and see what happens?
Le startup, le imprese e l'innovazione in Italia (Lotito - Mezzetti)Marco_Lotito
Le startup, le imprese e l'innovazione in Italia - Giardino delle Imprese 2016 -Bologna, Marco Lotito Accelerator Leader e Nicola Mezzetti Mentor di TIM #WCAP Bologna
In real estate, a short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic hardship on the part of the mortgagor.
Being a first time home buyer is just like any other first, its; exciting, terrifying, and uniquely life changing. As a first time home buyer, you often will not be aware of the steps required in the process of purchasing a home, and that is where we come in.
It's 2015 - Time for a reboot! I offer 13 ways to Hack Your Life; some things don't even require a single dime. Why don't you PICK ONE and see what happens?
Le startup, le imprese e l'innovazione in Italia (Lotito - Mezzetti)Marco_Lotito
Le startup, le imprese e l'innovazione in Italia - Giardino delle Imprese 2016 -Bologna, Marco Lotito Accelerator Leader e Nicola Mezzetti Mentor di TIM #WCAP Bologna
The story of how I became "creationix" the open-source hacker.
I discuss my history of programming mixed with family life and give tips for work/life balance.
E-co-innovation and Living Labs for educational e-servicesNoël Conruyt
This presentation about e-co-innovation for making e-services was made at the IEEE DEST conference on the 25th of July 2013 in Palo Alto, Silicon Valley: http://www.dest2013.digital-ecology.org
The video of the presentation is here:
http://www.youtube.com/watch?v=iCn15ELCm8w
It presents the concept of Living Lab and the instance that we developped in Reunion Island in the domain of education with ICT. The example of instrumental e-learning in music teaching and learning is given to explain our methodology and use of a creativity platform. In this presentation and associated paper, we stress the importance on dealing with know-how rather than knowledge with another method called Sign management for annotating scores with videos. Lastly, we introduce the Semiotic Web as a new paradigm for making education e-services.
Nest Copenhagen - inside the world's largest co-living space for entrepreneursAnalisa Winther
What happens when 21 entrepreneurs move in together? At Nest Copenhagen, we have figured out how to hack the entrepreneurial lifestyle by designing a home for the creator's of tomorrow. Step inside the world's largest co-living space for entrepreneurs.
For press or any inquiries please contact hello@nestcopenhagen.dk
Artur Serra, Deputy director i2CAT, presenting The city as a living lab: Barcelona's initiative during the ENoLL fringe session "Open Innovation and Living Labs shaping the cities and regions of the future" at the EC Innovation Convention 2014.
AIRBNB/UBER ... was yesterday - PlatformCooperativism ... will be tomorrowThomas Doennebrink
Where the Sharing Economy meets PlatformCooperativism the Collaborative Economy 3.0 begins.
Cooperativism in general & cooperative banking associations in particular have the potential to give the rapidly changing economy and society an URGENTLY needed and
in the meantime by more and more people wished turn, as they have two aces up their sleeves which are strongly needed by platform cooperatives and can give them leverage, and would help to co-create the necessary and supportive ecosystem: millions of members and billions of capital. What is still lacking is the knowledge, willingness and the action.
The co-living experience as engine for social innovations in the "Sassi" comp...Gianni Perrucci
The severe economic framework of the last years gradually eroded the buying power of the families and in particular made more difficult to buy or rent an apartment, also due to myopic housing policies which favour the builders and their profits instead of answer to needs and necessities of population.
Besides this there is also a lack of design sensibility from the ones who design and build houses: they base their operational strategy on statistic and beliefs which date back to the 80s and fix the traditional family unit of father, mother and two/three children as the standard one.
On the last years there’s a new trend: peoples from various class origins and occupations are setting up teams with the aim of doing community actions for fighting the economic crisis, for example purchasing groups, ecovillages, cohousing and coworking, useful to hold down the costs but also to arrange social innovation models.
The aim of this paper is to introduce two operative experiences which, starting from a social innovation process, set up shared working and living places and allow the fruition and maintenance of spaces located on the “Sassi” complex in Matera, which represent a sort of forerunner model of cohousing.
The first experience is ‘UnMonastery’ where “unmonks”, drawing inspiration from the monastic life, work and live together in the stately mansion of Palazzo del Casale and each one, with different background, has the mission to answer the social needs of the Matera community and to encourage radical forms of social innovation and collaboration.
The second experience is ‘Casa Netural’ placed in a house close to the characteristic setting of the Duomo of Matera. It represents an experimental initiative which supplies various services to the community, for example the co-living: a week of cohousing with other social innovators during which is possible to meet the neighbours, set up pilot projects or experimentations, visit Matera and its surroundings.
Abitando si impara - coLiving as a ServiceMarco_Lotito
Progetto frutto della partecipazione a CoopUpBo 2016, sul tema dell'abitare collaborativo: una rete di case piattaforma, laboratori di welfare di comunità, cooperativa di piattaforma, economia collaborativa, apprendimento collaborativo.
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First Time Home Buyer Class Sacramento CaliforniaHomeBoom.com
Learn about first time home buyer programs to purchase real estate. First time home buyer loan programs are our there to help you buy your first home. Down payment assistance and special government programs can help with closing costs. HomeBoom.com is a great place to search for the perfect house.
Bankruptcy, Foreclosure and Short Sale Seminar for Real Estate ProfessionalsPeggy Urbaneja
Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Short Sale, Foreclosure Slide Show for Real Estate Professionals, Changes in the HUD, Settlement Statement
Reprinted from REALTOR® Magazine(RealtorMag.Realtor.org) with permission of the NATIONAL ASSOCIATION OF REALTORS®.
Copyright 2008. All rights reserved.
Short Sale Operations Llc Homeowner Presentation First Service Realty
1. “Experience Makes The Difference”
Real Living – First Service Realty
Short Sales: A Solution for Qualified Homeowners
2. A Short Sale occurs when
• The value of a property is less than the
total amount required to sell the property
AND
• The lender(s) accept less than what is
owed to allow the sale of the property
3. Does Your Property
Qualify?
• Is there any equity in your property?
– If yes, you do not qualify.
• If No, you may qualify
– 1st mortgage only – best chance
– 1st or 2nd mortgage – good chance
– Other liens – must be reviewed
4. Do You Qualify?
• If you have the ability to make payments and
maintain a modest lifestyle then you do not qualify.
• You qualify if:
– Your liabilities exceed your assets
– You do not have sufficient income after reasonable living
expenses to pay your mortgage(s)
– You understand you will not receive any money from the
sale of the property
– You understand that there is no guarantee
However, your Realtor and Short Sale Operations LLC will
work diligently to close a successful short sale transaction
5. Required Documents
• You must provide the lender with
– Current bank statements for
all of your accounts
– Current pay stubs
– Last 2 yrs. Tax returns
– Personal financial statement
– Hardship letter
– Supporting documentation
6. Benefits to You (the Homeowner)
• Greatly reduces damage to your credit
– The worst credit hit is Foreclosure
Stays on credit for 10 years
– Short sale results in late payments with
satisfactory settlement of loan(s)
– With Short Sale, credit starts improving quickly
after 12 months
• No embarrassing public notices and
Foreclosure For Sale signs
• Generally no Deficiency Judgment
7. More Benefits to You
• IRS income will be excused if this is
your primary residence
• IRS income may be excused for an
investment property. Form 982.
• No cost to you! Realtor’s
commissions, processing fee, and
closing costs are paid by the lender
• Outstanding Property Taxes are paid
by the lender at closing
8. Consequences
• Possible Deficiency Judgment
This is very uncommon
• 1099-C issued by lender for difference
between amount received and amount
owed. Primary residences are almost
always excluded from tax consequences.
• Always consult your accountant or tax
attorney with any questions
9. FAQ’s
• How long does a Short Sale take?
– It may take up to 6 months and you may
remain in the house
• Must I clean up and fix the house?
– NO! But please provide detailed list of any
needed repairs or problems
• I stopped making my payments and the bank
calls every day.
– The calls will diminish once the process is
started.
10. More FAQ’s
• I’ve been served with Foreclosure papers
– Notify us immediately, provide all the
paperwork and we will assist you.
• I put money down when I bought this house,
can I get any money at closing?
– No! If the lenders agree to accept less than
what is owed to them they will not allow you
to benefit monetarily.
11. When do we start?
NOW!
• Work with your Real Living – First Service Realtor and sign
the
– Listing Agreement
– Borrower’s Authorization
– Homeowner’s/Seller’s Disclosure
• Provide your Real Living – First Service Realtor with all
mortgage statements and HOA coupons, if applicable
• Get together Required Documents
• Your Real Living – First Service Realtor and Short Sale
Operations LLC will begin processing your short sale.