Morgan and I have been Realtors for over 18 years and we also hold Mortgage Brokers licenses.  To give you a little background, we met in Miami after starting our second careers; I had been a supervisor of Customer Service for Eastern Airlines and Morgan a Sales Manager for Ryder.

After a few years we decided to join forces, not only in our professional lives, but in our personal ones, so we married in 1995.  Between the two of us we have four children and two grandchildren, and to be quite honest, the latter is the reason why we moved to Tampa in January of 2005.  We love our neighborhood and we are very happy to be here. 

Due to the economic turmoil and the housing crisis, we have been asking ourselves what can we do to help homeowners in our area.  The answer is simple; we will offer you a free Comparative Market Analysis (CMA).  This is a very valuable tool for homeowners regardless of whether you are planning to sell or stay in your home  The CMA together with the principal balances on the various loans attached to your home enables you to estimate your equity.  Because of this, the CMA is a key document to have for evaluating a number of alternatives:

Refinancing:  The CMA can help a Mortgage Broker estimate the Loan to Value ratio to see if you would qualify for a loan to refinance perhaps at a lower rate.

Short Sale: Sometimes homeowners need to sell to get our of debt they can no longer afford and the banks will consider accepting less than what it is owed so the homeowner can walk away debt -free, but they will want to see a CMA before accepting the terms.

Short Refinance: This is like a Short Sale; in this case the lender will refinance the loan at better terms and lower principal.  Before agreeing to this they will also request a CMA to see that the property is truly worth less than what it is owed.

Principal Forbearance:  This is sort of a cross between the short refi and a loan modification, but the lender does not forgive the balance, they will collect when the house gets sold or refinanced.  The CMA is key for establishing the property's true market value.

Listing and selling:  Rarely do homeowners thin their property is worth less than its true market value, but it happens occasionally.  By providing you with a CMA you can make an informed decision.

Regardless of your situation we are here to help; so feel free to call us or e mail us with any comments or questions we may be able to answer.  And remember, if you have been thinking about investing in Real Estate, this is truly the RIGHT TIME.

813-451-0239                          813-380-3277