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Bonita Springs Realtor / Bonita Beach Realtor – AC Global Realty Selling & Listings Homes & Condos in the Bonita Beach Area, Barefoot Beach, the Golf & Country Clubs Pelican Landing, Bay Colony, Bonita Bay, Beach Front Homes & Condos or Waterfront Properties just minutes to the Beach
Bonita Springs is its own city with an approx. population of 40,000. Bonita Springs is centrally located just south of Fort Myers & just north of beautiful Naples. Bonita Beach has to offer quiet a variety of lifestyle from coastal living offering beach cottages and modern as well as Mediterranean style villas and mansion’s in beautiful barefoot beach and along the sandy white beach from the Gulf of Mexico, or off water living and beautiful golf course living. Close by for gourmet friends and shoppers you will find the marvelous Coconut Mall.
You have decided to purchase a home, vacation property or your seasonal residence, or you are just thinking about buying your perfect retirement spot in beautiful Bonita Beach or Bonita Springs You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. Please contact our Bonita Springs and Bonita Beach Real Experts. Our Bonita Springs Realtors expecting you.
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Short Sales & Deed-in-Lieu of Foreclosures, new rules & guidelines released November 30th 2009, effective latest April 2010.
Introduction of Home Affordable Foreclosure Alternatives – Short Sale and Deed-in-Lieu of Foreclosure. The U.S. Treasury created new short sale rules & guidelines that seller, buyer and realtor should understand in order to avoid delays.
The new rules have been released as the Home Affordable Foreclosure Alternatives Program (HAFA), provide financial incentives to short sale or deed-in-lieu (DIL) closings. The change to the rules was made to give potential buyers a shorter wait time from the time of the offer to approval of contract by lender, with this in mind it should make short sales more attractive to home buyers.
The new rules do not simplify the complex paperwork on a short sale. Your real estate agent listing your short sale property should review the short sale section pages 5-9 and review the forms and letters in Exhibits A and B at https://www.hmpadmin.com/portal/docs/hamp_servicer/sd0909.pdf
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"Whether it's your first home, your next condo, your dream house, your vacation home or your luxury beach front house www.acglobalrealty.com is designed to help you on your way during the home buying and selling process."
Our Realtors at AC Global Realty in SW Florida are waiting to assist you. Go to “about us” on top of page to choose one of our Realtor in your area. Finding the right professional realtor to assist you with buying or selling a home in SW Florida has never been easier. Our Realtors in Bonita Springs, Naples, Fort Myers, Fort Myers Beach, Sanibel Island our Cape Coral Realtors, as well as Lehigh Acres and our Alva Realtors will assist you in the process of selling and buying real estate in SW Florida.
Commercial Real Estate Services Cape Coral Realtor
Commercial Real Estate Loan Defaults Rise in Third Quarter
Bank and Thrift Delinquencies Hit Post-1994 High; Fitch Says Refinancing Risks and Illiquidity to Force CMBS Defaults to 12% by 2012
By Randyl Drummer December 9, 2009The Mortgage Bankers Association reported that delinquency rates continued to rise in the third quarter on properties held by all but one of the five major commercial real estate investor groups tracked by the MBA. Defaults were the highest among holders of bank, thrift and CMBS loans.
Past-due payments on commercial mortgage loans held by banks and thrifts hit their highest level since 1994, while third-quarter commercial mortgage-backed securities delinquencies shot from 0.63% a year ago to a record 4.06% in the most recent quarter, according to the latest MBA Commercial/Multifamily Delinquency Report released this week.
Meanwhile, in its 2010 outlook for structured finance released this week, Fitch Ratings predicts that, as a result of protracted illiquidity and refinance risk, CMBS loan delinquencies are projected to increase by 6% by first-quarter 2010 and as high as 12% by the end of 2012. Recovery in the commercial real estate sector will lag the broader economy, with operating cash flows expected to decline across all property types over the next 18 months to two years, Fitch said.
Editor's note: For more encouraging news about CMBS, including prospects for the first significant new activity in the securitization market in over two years, see related coverage: "CMBS: Back in Business"
"The market is going to take a hit on the CMBS side, and the mutual funds and insurance companies are going to have some good opportunities in 2010," said Carla Gazzola, executive vice president with Santa Ana, CA-based RiverRock Real Estate Group, a CRE management and brokerage firm heavily focused in the current market on asset stabilization and value maximization. "Not everyone will like the price, but properties are going to start traing. The pipeline of money that's available is stunning."
With development mostly idled around the country, loans backed by existing commercial property continue to perform far better than construction and development loans -- though all mortgages continue to feel stress from the weakened economy, noted Jamie Woodwell, vice president of commercial real estate research for the MBA.
Based on the unpaid principal balance of loans, the delinquency rate on mortgages held in commercial mortgage-backed securities that are 30 days or more past due or in real estate-owned (REO) status rose 0.17% to 4.06% between the second and third quarters. The delinquency rate on loans held by FDIC-insured banks and thrifts that are in accrual or at least 90 days past due rose 0.51 percentage points to 3.43%.
The 60-day delinquency rate on loans held in life company portfolios rose 0.08 percentage points to 0.23%, while the 60-day delinquency rate on multifamily loans held or insured by Fannie Mae rose 0.11 percentage points to 0.62%. Delinquencies of 90-plus days on multifamily loans held or insured by Freddie Mac remained unchanged at 0.11%.
Together, these groups hold more than 80% of commercial and multifamily mortgage debt outstanding, according to the MBA. The numbers in the MBA report do not include construction and development loans, which are frequently lumped into the CRE column even though they're often backed by single-family residential developments rather than offices, apartments, shopping center or other income-producing property.
Collateral performance for all structured finance sectors will be weak next year in spite of a slow economic recovery, including CMBS, according to Fitch's 2010 outlook. Downgrades in the CMBS, residential mortgage-backed securities (RMBS) and collateralized debt obligations (CDO) sectors will continue, albeit at a slower pace.
Recent-vintage CMBS will continue to decline, though ratings should remain stable since Fitch has already factored in steeper future performance declines. Fitch is reviewing pre-2006 vintage CMBS and expects downgrades for older vintages rated below 'AAA' into 2010.
Foreclosure Sales in Cape Coral, Fort Myers, Fort Myers Beach, Lehigh Acres, Alva, Bonita Springs & Naples – Cape Coral Realtor
Snowbirds flock to bargains
Sox-loving New Englanders drive up home sales in Fort Myers, Fla.
Cape Coral, Fort Myers, Fort Myers Beach & Lehigh Acres Annual Rentals – Cape Coral Realtor
Cape Coral Realtor: Home Sales in Cape Coral
Housing: Signs of Life
Housing sales are picking up in some of the hardest-hit markets. Will confidence spread?
Last year the Cape Coral area of Florida had the highest foreclosure rate in the country. Banks moved to seize more than 1 in 10 residential properties in the Gulf Coast community of 165,000. The reverberations are still being felt. Newly built McMansions sit vacant, dusty monuments to the great real estate boom. Smaller homes have been ransacked. Apartment buildings have been boarded up. Former owners are stripping whatever items they can from their homes before the locks get changed, says Kirsten Prizzi, a local real estate agent at AC Global Realty. "Knobs, appliances. Someone was selling windows."
But a curious thing is happening in this blighted former boomtown: Buyers are swooping in. First-time home-owners are suddenly entering bidding wars with real estate speculators from as far away as Spain and Germany. Sales in February outpaced those at the peak of the boom, with some houses getting more than 50 offers and selling above their asking price. "I look for markets that are downtrodden," says Rich Lehrer, a retiree and self-proclaimed "emerging-market investor" from Wilmington, N.C., who wants to buy several properties in the area. "I'm expecting to get better yields than I would get on my cash."
Luxury Homes in SW Florida not in trouble!
America's Most Troubled Luxury Neighborhoods
Stephane Fitch and Matthew Woolsey, 06.24.09, 06:00 PM EDT Forbes Magazine dated July 13, 2009
The collapse in prices has finally come to your neighborhood, too, Mr. Comfortable.
Has the housing market scraped bottom? Not in some of the wealthier neighborhoods--places like New York City's Greenwich Village, Santa Monica, Calif. and Chicago's Lincoln Park. They held up nicely while the rest of the country slumped last year. This year such Tiffany zip codes are on track to fall 15% to 25%.