Heather Fitzgerald - Indiana Real Estate | Indiana Short Sales | Indiana Foreclosures

If you are a short sale buyer or considering buying a short-sale in Indianapolis, there is important information you should know.  As a real estate agent in Greenwood IN I know the process takes a long, we've worked through many short sales and get them to the closing table.  Here are a few tips to help Indiana short-sale buyers understand the process.

Tips For Shortsale Buyers - Remember Sellers Play The Waiting Game Too!

1. Short sales require lots of patience and know the process can be long.  So if you need to move yesterday I highly recommend you do not look at short sales instead look at homes where the seller can accommodate your move in date (closing date).
2. Buyers, sellers and real estate agents are at the mercy of the banks time lines.  That's right, as listing agents we relentlessly contact the bank with various methods to push the sale along.  Just because your agent has not heard from us on a daily basis does not mean we are not working it.  Speaking for our team we follow up and watch the banks time lines very closely.
3. Get yourself educated!  When considering buying a short sale ask the real estate agent you are working with how the process works.  If they don't know, then maybe you are working with the wrong real estate agent.  Sometimes when working with the wrong real estate agent, your dream home ends up being someone else's. 
   
4. Short sale purchases are never a sure thing, meaning that sometimes because the seller is willing to accept the shortage at the end the bank must agree.  Keep in mind sometimes, the seller is required to fulfill a financial obligation to the bank  and in some cases either the seller is not willing or cannot meet the obligation such as being 1099'd or pay back the difference in a note. 
   
5. Sometimes agents price short sales too low and numerous offers come in.  One thing to remember is that the bank has final approval on the acceptance of a shortage and the numbers need to make sense to the bank or lender.  Make sure someone pulls comparable on your behalf and if you really want the property offer your best and highest offer.
6. Banks do not always accept the highest offer, they look at terms and the strength a buyer has to purchase the property.
7. Calling a listing agent over and over again will not get your short sale processed any faster instead it will hinder the time available in the day to follow up and deal with the most important parts of the real estate transaction.

Keep in mind the real estate agents and the seller understand how you feel but realize not only are you sitting on pins and needles playing the waiting game so is the seller!  If you are in the market to buy a short sale and want to work with someone experienced and knowledgeable in the Greenwood Indiana area, it would be our pleasure, contact the SmithFitzgerald Team!   Our team has tremendous success in closing IN short sales and would love to add you to the list of satisfied clients!

After watching a historical series about George Washington and the founding of America on Saturday night, I thought it fitting to read some motivational quotes by George Washington, Benjamin Franklin(very instrumental in getting us funds and France's navy-or we might not have won the war) and Thomas Paine author of Common Sense.

 “Government is not reason, it is not eloquence, it is force;    like fire, a troublesome servant and a fearful master. Never for a moment should it be left to irresponsible action.”  George Washington

“The basis of our political system is the right of the people to make and to altertheir constitutions of government”

George Washington

“Without continual growth and progress, such words as improvement, achievement, and success have no meaning.”  Benjamin Franklin

“If a man empties his purse into his head, no man can take it away from him. An investment in knowledge always pays the best interest.”  Benjamin Franklin

“Reputation is what men and women think of us; character is what God and angels know of us.”

Thomas Paine

“Give to every other human being every right that you claim for yourself - that is my doctrine”

Thomas Paine

Our country has fought so hard to become independent!

My husband and I rarely watch t.v. together.  I thoroughly enjoy the detective shows and profiling shows, and my husband isn't much of a t.v. person. 

Last night we sat down together to watch t.v together and started watching a program on George Washington and how he sacrificed most of his adult life for our country, even when there was nothing he would have loved more than to rest at his Mount Vernon Estate.

I am not a history buff or history expert, but to watch his sacrifice for our country was riveting.  What our country went thru to become established, with the help of France and many courageous men and families is incredible. I know I take for granted what individuals within our nation have sacrificed, and watching this show about George Washington was a great reminder of those sacrifices.  It made this 4th of July more special than any other after watching this.

We have such incredible opportunities here, and every day I think about that.  We wouldn't have that if it wasn't for these fore fathers, and military then and now.

I pray that America continues to know what it is to have Life, Liberty and the Pursuit of Happiness.

I came across info on Brian Tracy while reading a book by Mark Victor Hansen.

All successful people men and women are big dreamers. They imagine what their future could be, ideal in every respect, and then they work every day toward their distant vision, that goal or purpose. 
Brian Tracy 

Communication is a skill that you can learn. It's like riding a bicycle or typing. If you're willing to work at it, you can rapidly improve the quality of evry part of your life. 

Brian Tracy 

Decisiveness is a characteristic of high-performing men and women. Almost any decision is better than no decision at all. 
Brian Tracy 

This came across my e-mail on Friday and I couldn't wait to share it today.

It is not by accident that the happiest people are those who make a conscious effort to live useful lives. Their happiness, of course, is not a shallow exhilaration where life is one continuos intoxicating party.

Rather, their happiness is a deep sense of inner peace that comes when they believe their lives have meaning and that they are making a difference for good in the world.
- Ernest A. Fitzgerald

The Greenwood Middle school track is the host for the Relay For Life Of Greenwood.  Saturday June 19th and 20th from 9 am to 9 am Sunday.  There are 28 teams participating celebrating those that they lost or are survivors!

A great day to spend time with your family and loved ones and enjoy some of the entertainment and festivities.

A little history:  The Relay started in 1985 when a surgeon from Washington ran and walked around a track for 24 hours straight trying to raise money for the American Cancer Society. 

Today the relay is one of the largest charity events to help end this disease.  Over 3.5 million people participate in this movement annually.

If you would like additional information on the Relay for Life in Greenwood Indiana, please visit this site. 

About the author:  Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN and surrounding areas. Check more properties at no obligation: www.SmithFitzgeraldTeam.com Copyright © 2010

I thought this was a great quote:

We are what we repeatedly do. Excellence, therefore,
is not an act but a habit.
Aristotle

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Enthusiasm is a part of passion, and without passion, how can we succeed?

Nothing great was ever achieved without enthusiasm.
Ralph Waldo Emerson

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The more difficulties one has to encounter, within and without, the more significant and the higher in inspiration his life will be.
Horace Bushnell

A student at a Greenwood IN high school sued the school district saying a school-sanctioned prayer at graduation was unconstitutional.  A majority of students voted in favor of a prayer.  What is that I said???  A majority!!  Part of what America's principles have been founded on, a democracy. 

The Greenwood High School's principal in the past has required students to submit their speeches in advance for review.  This year they are lifting this practice.  I only hope and pray that some students take this and run with it, not in profanity, but to speak of never allowing the majority to be defeated again when it comes to prayer in school.

There are enough drugs, violence, bullying, etc. in school, without taking something that the majority in this high school wanted, voted on and believed in.

There is a lot more to this story.  You can find out more information here:

http://www.chicagotribune.com/news/chi-ap-in-schoolprayer,0,179533.story