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

Visual Assessment Course from HUD on Lead Based Paint-A MUST READ!!!

Thu, 09 Sep 2010 14:38:20 -0400

We needed to take this course for one of our Indianapolis REO Listings, and I wanted to share this info, as Education is so important!!!!

You can visit the site to read and take this Course. I have also attached the information-this is HUD's information, not mine. ***Disclaimer-we are not Lead Based Paint Experts, I just wanted to share this important information from them:

img-909135706 This information is important for Homeowners, Real Estate Agents, Real Estate Investors, Property Management and this list goes on!

Best Pizza in Indianapolis!!!

Tue, 07 Sep 2010 16:40:14 -0400

Bazbeaux opened in Broad Ripple on May 12, 1986. It started in a house that had been the home of the gravedigger for the town cemetery. In Broad Ripple, Bazbeaux quickly became famous for its fresh made, delicious pizzas served next to the canal and the fire station. "By the end of the first year the restaurant had earned its first in an unbroken 20-year string of “Best Pizza in Indianapolis” awards."

"Many Bazbeaux customers have been loyal since day one. Bazbeaux is also fortunate to have many loyal employees, caring so much to uphold our high standards so many years. They help to make Bazbeaux known for what it is today — the city’s best pizza and an Indianapolis original!"

"In 1989 Bazbeaux ventured downtown to help establish the district now known as the Indianapolis downtown arts district. Massachusetts Avenue is now home to many unique and interesting retail shops, restaurants and music venues. The downtown location serves a quick lunch by the slice weekdays to many appreciative downtown workers and residents. They can choose to dine in our lovely sidewalk café, wine cellar or beautifully renovated dining rooms."

For your Indianapolis Real Estate needs give Heather a call-317-371-2622

Motivation on Monday

Mon, 06 Sep 2010 20:39:14 -0400

“Opportunities to find deeper powers within ourselves come when life seems most challenging.”

Joseph Campbell quote

Life can be very challenging and sometimes it can get the best of us. It is hard to pick ourselves back up after adversity. Sometimes friends are there to help us and sometimes we find the inner strength to pull ourselves back up.

RIB FEST INDIANAPOLIS 2010

Sun, 05 Sep 2010 00:14:52 -0400

Rib Fest Indianapolis 2010

Music:

Sunday, September 5 Noon - 12:45PM
Dane Clark
1:15 - 2:00PM
The Why Store
2:45 - 3:45PM
The Reverend Peyton's Big Damn Band
4:15 - 5:45PM
Seven Mary Three
6:45 - 8:15PM
Candlebox
9:15 - 10:45PM
Collective Soul
Monday, September 6 12:15 - 1:15PM
Corey Cox 2:00 - 3:30PM
Pat Travers Band
4:15 - 5:45PM
Foghat 6:30 - 8:00PM
Blue Öyster Cult

Rib Teams

The 15th Annual Rib America Festival will feature the World's Best Ribs!!!

MOJO'S BBQ - GA

PORKY CHICKS - AR

SMOKIN' JOE'S BBQ - OH

JOEY'S TEXAS THUNDER BBQ - TX

SGT. OINK'S BBQ - OH

CHICAGO BBQ - IL

SQUEALER'S BBQ - IN

PIGFOOT BBQ - OH

WILLINGHAM'S WORLD CHAMPION BBQ - TN

COYOTE ROADHOUSE BBQ - IL

www.SmithFitzgeraldTeam.com
www.Indianapolis-LuxuryHomes.com
www.indyshortsaleshelp.com

Indianapolis Short Sales and More

Sat, 04 Sep 2010 23:37:13 -0400

There are currently 63 Active Greenwood IN Short Sale Listings. The highest price Greenwood Short Sale listing is currently $349,900 and the lowest is $50,000.

There are currently 25 Active Westfield IN Short Sale Listings. The highest price Westfield IN Short Sale currently listed is $585,000 and the lowest is $89,999.

There are currently 74 Active Noblesville IN Short Sale Listings. The highest price Noblesville IN Short Sale currently listed is $800,000 and the lowest is $39,900.

There are currently 36 Active Carmel IN Short Sale Listings. The highest price Carmel IN Short Sale currently listed is $855,000 and the lowest is $79,000.

There are currently 773 Active Indianapolis Short Sale Listings. The highest priced Indianapolis IN Short Sale currently is $750,000 and the lowest is $9,900.

Are you behind on your mortgage payments and struggling to keep up? Have you lost your job? It might be time to consider a Short Sale on your home. A Short Sale is where your lender agrees to accept an offer for less than what your payoff/amount that is owed is.

We close at least 2-3 Short Sales per month, and over half of our listings are Short Sales. We also specialize in bank owned listings and thoroughly understand negotiating with asset managers and we take that knowledge directly back to our Short Sale negotiations with your bank.

If you are strugling with your mortgage payments, give us a call today so we can put our persistence and perserverence to work for you on your Indianapolis Short Sale.

If you have a home in Westfield IN, Carmel IN, Martinsville IN, Greenwood IN, Whiteland IN, Franklin IN that you are needing to list as a Short Sale, contact us today.

Heather Fitzgerald, REALTY WORLD-Harbert Company, Inc.

317-885-8858, heather@harbertcompany.com

www.SmithFitzgeraldTeam.com

Before you abandon your Indianapolis Short Sale-Read This!

Fri, 03 Sep 2010 00:24:31 -0400

Before you abandon the property that you are thinking of selling as a short sale, you might want to reconsider!

On FHA loans for Indianapolis IN Short Sales and Avon IN Short Sales, most of the lenders that we are dealing with want a specific date of abandonment, why, and sometimes a relocation due to loss of job has even been put to the test. Talk with your agent and with your lender before you abandon your property!

Facing Foreclosure? Find out how we can help!

If you need assistance with your Indianapolis IN Real Estate, or surrounding areas, give us a call today. 317-885-8858 About the Author: The above info regarding Indianapolis IN Short Sales and Avon IN Short Sales was provided by: 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 Real Estate and surrounding areas. We are experienced Greenwood IN Real Estate Agents. We have also closed numerous Short Sales: Greenwood IN Short Sales, Indianapolis IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com Copyright © 2009 By: Heather Fitzgerald- Greenwood IN Short Sales. All Rights Reserved.

Save Save Save and Don't try to keep up with the Jones's-They just went into Foreclosure

Tue, 31 Aug 2010 21:15:16 -0400

I keep reading articles out there about the housing market and the slump was supposed to be over by the end of 2009...REALLY?? Based on what information? If you review your Sheriffs Sales for the counties that you work in, the amount of Short Sales, analyze the time it takes from the Sheriff's Sale to listing as a Bank Owned property and see that it can take quite awhile, you start to get a bigger picture of inventory not yet on the market.

Add to that the July home sales for this year being the lowest since the NAR started keeping statistics and it can be mind boggling and depressing what is going on with the housing market.

So what can you do?

Don't buy a house bigger than what you and your family deem truly necessary, the days of McMansions are OVER.

Save and don't buy unnecessary things.

If you don't have to sell, think twice.

Consider a 15 year mortgage, or if you don't have the equity to refi or justification rate wise, then get on a mortgage calculator such as Dave Ramsey's on his site and start fiddling around with numbers so you can come up with a reasonable amount to put towards your principal on your mortgage.

The days of buying whatever the heck we wanted, t.v's in every room, Jones's living next door are over, the Jones's are probably living a facade and there is no reason for us to try to keep up.

Grow a garden
Learn to can foods
Keep the air off while you are at work
Instead of making meat the centerpiece, use it more sparingly in meals
Coupons

Any other ways that we can save?

Motivation on Monday

Mon, 30 Aug 2010 13:34:49 -0400

Hope is a state of mind, not of the world. Hope, in this deep and powerful sense, is not the same as joy that things are going well, or willingness to invest in enterprises that are obviously heading for success, but rather an ability to work for something because it is good.

- Vaclav Havel

Hope is such a powerful word! When we are down, frustrated, lonely, depressed hope can seem out of reach, but when we clear our minds, Hope is an incredible thing!

Homeowners’ Rebellion: Could 62 Million Homes Be Foreclosure-Proof?

Sun, 29 Aug 2010 22:37:17 -0400

Here is some great information that Steve has shared with us. It will be interesting to see where this goes from here. There are circumstances where it should be utilized and then situations where it is simply a ploy/tactic to nail the bank to the wall for something that really isn't their fault in certain cases with Short Sales.

Via Steve Harless "Your Las Vegas Real Estate Connection" (Realty One Group - 702.217.1680):

The financial juggling that helped cause the 2008 crisis may be coming back to haunt banks-and help homeowners.

If you are facing foreclosure, you need to read this article by ellen brown. This article is the shot in the arm people in nevada definately need....

vegasreal8tor The Legal Problem of MERS and Mortgages: Could 62 Million Homes Be Foreclosure-Proof? http://www.yesmagazine.org/new-economy/homeowners-rebellion-could-62-million-homes-be-foreclosure-proof

Don't let your home go to foreclosure and have your mortgage company freeze your assets!

Sun, 29 Aug 2010 22:28:30 -0400

Don’t let your home go to foreclosure/Sheriff's Sale and have your mortgage company freeze your assets when they come after you for the deficiency balance! It can happen!

There are many ways to lose your home but having the Sheriff show up at your door is the hardest. Then to have your mortgage company then come after you for the deficiency judgment by freezing your assets/bank account makes life even more challenging. For owners who can’t afford to keep mortgage payments current any longer or are behind already on their mortgage, there are alternatives to bankruptcy or foreclosure.

One of those options is called a "short sale."

More than half of our listing inventory are Short Sales and Foreclosures.

When lenders agree to do a short sale property on your home, it means the lender is accepting less than the total amount that is owing.

It is at your lender/s discretion whether they accept to approve your home for an Noblesville IN Short Sale listing, but it is worth a try!

If you are considering buying or selling Noblesville Short Sales, there could be drawbacks. For your protection, we suggest that all borrowers:

Obtain legal advice from a real estate lawyer with strong Short Sale knowledge

Call a CPA for tax ramifications.

We are not CPA’s or attorneys, so we can’t advise you on these consequences.

Lenders have varying steps for Short Sales, but these are typical for the Short Sale Process:

Call Your Lender
Let your lender know you are working with an experienced Short Sale Agent that has listed your home and that you need their Short Sale package if they require their own packet.

We Will Submit Your Letter of Authorization
Once you contact us to list your home as an Indianapolis Short Sale, this is one of the first steps that we take.

Hardship Letter
Give all details that are critical to your situation: tax increases, divorce, separation, medical costs, job loss, etc. We have example Hardship Letters if you need them.

Proof of Income and Assets
You will need truthful and honest about your financial situation and disclose assets and all liabilities. Your lender might require their Financial Worksheet be filled out, and if not, we have a copy that you can utilize.

Copies of Bank Statements
Your lender generally needs your last two most recent months bank statements, and large deposits or withdrawals will possibly be questioned by your lender/s.

We have closed numerous Short Sales: Indianapolis IN Short Sale, Greenwood IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com

If you are behind on your payments and are not sure what to do, contact Heather Fitzgerald Today!

We find solutions for you! 317-371-2622

I JUST RECEIVED AN OFFER BUT I REFUSE TO COUNTER

Sun, 29 Aug 2010 22:14:29 -0400

Dan, Thanks for sharing this advice for sellers, it is critical advice for sellers to be able to sell their homes! It stinks to get low offers, but interest is interest, and pride can't get in the way of business-very wise advise that we all sometimes forget.

Via Dan Jasmer (RE/MAX Excellence):

Have you ever been involved in selling a home where an offer was made and you refused to counter the buyers offer? Here is some advice for sellers to consider, especially in today’s economic environment.

If a buyer has taken the time to put an offer on paper and submit it to your listing agent, I think you would agree that this is a good sign that they are interested in purchasing your home.

Your agent calls and says, “great news, we just received an offer!” They come over to review it with you and you immediately get defensive. The offer price is way too low or the terms of the contract aren’t favorable. These terms could include financing contingencies, a long and drawn out closing date or a request for you to pay some of the buyers closing costs.

Do your best to leave your emotions out of this! Consider this a business transaction that, when completed, will get you to your eventual goal. That goal may be buying your dream home, retiring to a different state or country, downsizing and buyer a less expensive home allowing you to stash some cash, and the list goes on.

I have been involved in a few transactions with sellers who have absolutely refused to counter a buyer’s offer. 9 times out of 10 this is the worst thing you can do! Your strategy is that if you do not counter, the buyer will come back with a better offer in a few days. What!? This is like catching and releasing a fish where there are other fishermen around you and hoping the fish decides to come back to you because you think you have better bait on your hook. Why would you take a chance at losing an interested buyer when there is a lot of inventory for them to choose from? Chances are there’s another home out there that could work for them. You may have a special home unlike any others on the market. If priced properly, maybe holding out is the right thing to do, but that is a big risk to take. Make sure holding out for a better offer is worth the risk.

If you have received multiple offers while listed on the market that you feel have been too low, perhaps your agent is not being upfront with you. There is a high probability that your home is overpriced. If your agent has made you aware of this and you have refused to listen and agree to a price reduction, then you are missing the chance to get your home sold for the best price with the least amount of stress. I have seen more sellers that have ended up in foreclosure, short sale, not selling at all or receiving 20% less than an offer they received months or a year earlier because they held out for a better deal. As an agent, it’s hard to see this happen to a client. The agents best bet is to walk away from the listing if there is no agreement to reduce the homes price. The ability to sell your home depends on you and your agent working together to achieve that goal. If you have done your homework and hired a full time, professional and knowledgeable agent, take the time to discuss your concerns with them, they will do the same. Listen to the advice they have given you. This is their daily job. They eat, breathe and sleep real estate!

They have their finger on the pulse of the market and know what needs to be done to get your home sold.

Make the counter offer and keep the negotiations moving. This may be changing the price and terms, just the price or just the terms of the contract. You may have to go back and forth 10 times to get to a final agreement, but there is a good chance you will come to an agreement if you and the buyer are reasonable along the way. Not countering an interested buyer’s offer is not reasonable!

You may not always like what your agent has to say. It’s not your agents’ job to agree with you all the time or be your best friend. There are days you will not like them and you’ll wonder why you hired them. Ultimately, their job is to sell your home. If that means you getting upset because your agent gives it to you straight, that’s ok. You’ll thank them and get over it once your home has sold and you’ll be glad they weren't sugar coating anything. In fact, I have a good feeling you’ll become great friends…

I hope this helps to keep you focused on the ultimate goal of selling your home!
Dan Jasmer, GRI | RE/MAX Excellence
510 Bay Isles Road | Longboat Key, FL 34228
T: 941-284-9893 | F: 941-388-0000
http://www.jasmermatarese.com

5 Star Agent: Best in overall client satisfaction 2010

Motivation on Monday

Mon, 23 Aug 2010 13:58:44 -0400

Do you have what people think is a crazy idea, but you believe it is great?

Here are some very interesting thoughts from some very intelligent people:

"There is no reason anyone would want a computer in their home."
- Ken Olson, president, chairman and founder of Digital Equipment Corporation, 1977

"I think there is a world market for maybe five computers."
- Thomas Watson (1874-1956), Chairman of IBM, in 1943

"The concept is interesting and well-formed, but in order to earn better than a ‘C’, the idea must be feasible."
- A Yale University management professor, in response to student Fred Smith’s paper proposing reliable overnight delivery service (Smith went on to found Federal Express

"We don’t like their sound, and guitar music is on the way out."
- Decca Recording Company, rejecting the Beatles, in 1962

"Who the hell wants to hear actors talk?"
- Harry Morris Warner (1881-1958), co-founder of Warner Brothers, in 1927

Think about those narrow minded thoughts by very intelligent people, and roll those dice and go for your dreams!!!!

Indianapolis Foreclosure-Sold!!!

Fri, 13 Aug 2010 08:05:44 -0400

SOLD-INDIANAPOLIS FORECLOSURE!!!! 3 Bedroom, 2 baths at Eden Ridge Ct. Indianapolis, IN

Overview

Maps

Photos

Features

Description

$69,900

Condominium
For Sale

Main Features

3 Bedrooms
2 Bathrooms
Lot: 0.04 acre(s)

Location

11536
Eden Ridge Ct.
Indianapolis, IN 46236

To get updates on open home dates and other property events, please click the "Like" button below:

Heather Fitzgerald and Pam Smith

REALTY WORLD Harbert Company, Inc.
(317) 885-8858
heather@harbertcompany.com
http://www.SmithFitzgeraldTeam.com

Listed by: REALTY WORLD Harbert Company, Inc.

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Carmel IN Is Growing - Now 6th Largest City in Indiana

Fri, 30 Jul 2010 10:41:42 -0400

Well its official, Carmel Indiana is the 6th largest city in Indiana. Carmel has added close to 8,000 residents due to an annexation of Southwest Clay.

According To Mayor Brainard "Being the biggest isn't important," Brainard said. "We want to make sure Carmel is a place that's competitive withcities around the world, a place that reflects well on the Indianapolis region and that's a good place for people to spend their lives."

Carmel IN Is Growing - Now 6th Largest City in Indiana

If you do not know too much about Carmel Indiana there are several things the city is known for.

Hamilton County, Indiana was named the # 1place in the nation to raise a family in 2008. Carmel is ranked in the top 15 for best places to live in 2010 and is one of the fastest growing cities in Indiana. With a nationally recognized public library and high achieving schools its no wonder Carmel is so desirable.

Known as the City of Experience, Carmel offers the Arts & Design District loaded with restaurants, stores, shops and boutiques. Not only is the Arts and & Design District known for shopping and entertainment but is filled with 800 acres of parks, trails and open green space.

Carmel is innovative when it comes to controlling traffic while most major cities have the traditional intersections, Carmel is unique and have over 50 roundabouts to control what could be heavy traffic.

Lets Talk Carmel Indiana Real Estate

Carmel is known for upscale neighborhoods and lavish luxury homes as well as well planned communities making Carmel real estate extremely desirable and a must have zip code!

There are fantastic deals in Carmel's luxury home market. Carmel offers executive homes, luxury homes and estate homes for sale. If you are looking to buy a foreclosure or bank owned home in Carmel Indiana contact the The Smith Fitzgerald Team.

View Carmel Indiana Bank Owned Homes and Foreclosures Now

Jamie McMurray Wins Brickyard 400!

Tue, 27 Jul 2010 21:01:47 -0400

Jamie McMurry wins Brickyard 400! The same Jamie McMurray who won the Daytona 500. McMurray is one of three race car drivers to win both the Daytona 500 and the Brickyard 400 in the same year! Congrats to Jamie McMurray and his crew.

For all of you racing fans and visitors of Indianapolis, thank you, we appreciate you and hope to see you again. If you frequent Indianapolis, IN because of racing, business or vacationing, it might be a benefit to buy a condo or home close by rather than stay in a hotel or motel annually.

We work with many real estate investors and buying a second home or vacation home is a real estate investment. For additional information about buying or selling Indianapolis, IN real estate contact the SmithFitzgeraldTeam. We have some terrific real estate deals! View Indianapolis real estate now.