Marco Island real estate and homes for sale in Florida - Patrick Wilkins, REALTOR® Patrick Wilkins REALTOR(r) for Marco Island, Florida real estate - NUMBER1EXPERT™ Patrick Wilkins NUMBER1EXPERT(tm) for Marco Island, Florida real estate

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Real Estate Tips
Foreclosures >5. What Happens During the Foreclosure

  1. Missed payments. The first sign that foreclosure is coming is when a homeowner gets behind on their house payments. Lenders usually understand if a homeowner falls behind on one or two payments and will offer repayment plans so the homeowner can get back on track. However, if they don’t, the foreclosure process will continue.
  2. Lender notices. After a homeowner misses payments, the lender will get in contact with them either by mail or phone. (The timeframe depends on the lender.) The lender will most likely want to avoid foreclosure as much as the homeowner, so this dialogue can benefit the homeowner in finding alternatives to foreclosure.
  3. Options are discussed. The homeowner and the lender can brainstorm ideas on how to rectify the situation. If the homeowner and the lender can come to an agreement on payments to get the mortgage back on track, the situation is resolved and foreclosure is avoided.
  4. Foreclosure filing. If there is no solution to the process, the lender will begin filing a lawsuit to foreclose on the home. This brings the question of foreclosure before a judge. During this process, a title search must occur to make sure if the lender is permitted to foreclose and is not engaging in unjustified foreclosure. In some jurisdictions, court-ordered mediation must take place between the lender and the borrower after the borrower is served with the foreclosure suit, but before the final foreclosure decision, as a last-ditch effort to avoid foreclosure.
  5. The home is foreclosed on. The lender resumes all rights and responsibilities of the property. The previous homeowner no longer owns the home.
  6. Foreclosure auction. Usually, the house will then go to a foreclosure auction to be sold. In order to get rid of the home fast, the lender can sell the home at a lower price.

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Real Estate Trivia
Q 
What kind of home construction is considered to be the safest in seismic areas?

A 
Straw-bale homes in seismic zones have proven resilient enough to withstand the shock of earthquakes.
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You were professional, thorough and effective.
I am writing to say "THANK YOU" for the superlative job you did in selling our home on Marco.
Jerry K. Myers
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Patrick Wilkins, REALTOR®, real estate agent and broker for Marco Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Patrick Wilkins
Keller Williams Realty

713 Bald Eagle Dr.
Marco Island, FL. 34145
239-970-3444
Cell: 239-290-8593
Fax: 239-394-3797
Email: PatWilkins@MarcoExpert.com

In 2004 Pat Wilkins was the #1 RE/MAX Agent Worldwide. He has been in the TOP 20 in Florida for the past five years. Pat is in the Hall of Fame and has been in the Platinum Club for the past several years. Pat knew early on in order to be successful he would need to stay abreast of new technologies and of new developments in the world of computers. His office is equipped with the most current hardware and software to better service his clients. Pat has been in the Real Estate business for over twenty years, nineteen of those years selling on Marco Island. "PAT WORKS HARD FOR YOUR MONEY".

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