Short Sale in Grayton Beach 190 Bartons Way as Craig’s Top Distressed Property Pick January 29 2010

Every week I pick a top investment and distressed property pick. This week I chose a wonderful home in the Preserve At Grayton Beach subdivision. I picked 190 Bartons Way in The Preserve at Grayton Beach. This property is located on the north side of 30A in the wonderful Preserve At Grayton Beach development.  The Preserve has two pools, deeded beach access and low HOA fees. 190 Bartons Way is a short sale.

Homes in The Preserve at Grayton

Short Sales in South Walton Beach

REOs in South Walton Beach

Short Sale in The Preserve at Grayton 190 Bartons Way

This home in Grayton Preserve has a large Master Suite on the first floor, two large guest rooms and an office or bunk room on the second floor. The Preserve at Grayton Beach offers private beach access to one of the best beaches in S. Walton. The master bath has a walk-in shower with large rain shower and a separate whirlpool tub. His and her vanities are separated by custom cabinets perfect for linens. The Preserve at Grayton has two community pools, tennis courts and two club houses with shower rooms. Low HOA fees for wonderful community amenities.

190 Bartons Way

2,270sf

3 Bedrooms

4 Baths

Currently offered at $449,000

If you are interested in this distressed home in The Preserve at Grayton Beach or would like to preview other homes in Grayton Beach. Please give Tracy Baranowski 850.259.4270 or Craig Baranowski  a call at 850.259.1788 or email  us info@teambaranowski.com.

Tidewater Beach Gulf Front Condo Short Sale Unit #1612 Back on the Market

The good news is that this contract went under contract within days of it being listed and we quickly had the short sale approved. The bad news is that the buyer was not able to secure financing and it is now being put back on the market for $215,000. Here is your opportunity to get an amazing deal on a Tidewater Beach gulf front condo. Unit #1612 is one of the best rental units in the complex.

Tidewater Beach Gulf Front Condos

This "L" Plan at Tidewater Beach has strong rental history! Enjoy spectacular Gulf views of the Emerald Green waters that will take your breath away from your own private 30 foot long balcony! This uniquely designed condo features a spacious, open 923 sq. ft plan. The Living Room and Master Suite feature a wall of glass sliders opening to the 30' balcony fronting the Gulf–perfect for capturing gentle Gulf breezes, sound of the surf and incredible sunsets.

Additionally, there is a private bunk room allowing this condo a total sleeping capacity of six. It is beautifully appointed with beautiful colors and fine furnishings, a 42" high Definition LCD TV, Entertainment center with Sony Stereo System, crown molding thru out, fully equipped kitchen with granite countertop, additional cabinetry, drawers and counter space and long breakfast bar and two baths. This condo is one of the best rentals in the building and can cash flow at this price!

Tidewater Beach offers resort-style amenities including two large, 4,200 sq. ft. Gulf side pools, Tiki Bar, a state of the art 4,000 sq. ft. Fitness Center with Spa, Saunas, Health Bar and Steam Rooms, Owner's Lounge, Movie/Media Center, Arcade, a 5,000 sq. ft. of Convention/Conference Facility and a covered Parking Garage and 636' of private, pristine, sandy Beachfront. It is ideally located at the West end of Panama City Beach just a 1/2 mile from Pier Park the premier shopping, dining and entertainment experience on the Gulf Coast. Buyer to verify all dimensions. Furnishings to convey separately from short sale.

If you are interested in this Tidewater Beach Short Sale and would like to preview it or other distressed condos, please give Tracy Baranowski 850.259.4270 or Craig Baranowski  a call at 850.259.1788 or email  us info@teambaranowski.com.

Short Sale in WaterSound Beach 8 Shingle Lane as Craig’s Top Distressed Property Pick for January 22 2010

Luxury distressed properties are quickly becoming prolific on Scenic 30-A. WaterSound currently has more than a half dozen luxury distressed properties for sale. This week I have selected an amazing WaterSound Beach Short Sale as my Top Luxury Pick. 8 Shingle Lane is currently the most expensive distressed property for sale along 30A. In 2009 WaterSound had the most expensive distressed home sold. This Short Sale in WaterSound is a larger home and can be purchased by the savvy buyer looking to own in WaterSound Beach.

Distressed Property in WaterSound

Distressed Property on 30-A

Luxury Distressed Property on 30-A

WaterSound Beach Short Sale 8 Shingle Lane

Designed by Nashville Architect, Michael Marchetti, this breathtaking home features outdoor spaces with lush landscaping and an array of handpicked materials & finishes. Attention to detail gives off distinctive quality throughout this boisterous residence. Features include: exquisite limestone, marbles & reclaimed hardwoods, spectacular ceilings, large covered balconies, 2 private sleeping porches off the two second level master suites, fireplace flanked by bookcases, exquisite light fixtures a large screened family porch, 2.5 car garage and vast entertaining areas make this home perfect for gatherings. The third level features a reading room & a spacious Children's sleeping room. Tower deck (4th story) provides a retreat while enjoying the breeze & watching sunsets. Affording privacy in a highly sought after neighborhood & a courtyard with lush landscaping surrounds a pool with waterfall & Carriage house. The attention to detail makes this home second to none. WaterSound Beach is situated on 1 mile of private, white beach, offers a gated entry, 24-hour security, lush landscaping, the finest Beach Club in Northwest Florida, tennis, pools & walking trails.

8 Shingle Lane in WaterSound Beach

Built in 2008

6,297 sqft

6 Bedrooms, 7 Full Baths, 1 Half Bath

3 Stories

Currently offered at $3,595,000

 

If you are interested in this short sale in WaterSound Beach and would like to preview it. Please give Tracy Baranowski a call at 850.259.4270 or Craig Baranowski at 850.259.1788 or email  us info@teambaranowski.com.

New FHA Policy Changes and How They Impact You

As with every new year there are new rules and changes. Just when you figure out the old rules and guidelines the decide to mix it up again. The Federal Housing Administration (FHA) has just released an outline of the new set of policy changes which are intended to strengthen FHA's capital reserves.

The FHA proposed the following steps: increase the mortgage insurance premium (MIP); update the combination of FICO scores and downpayments for new borrowers; reduce seller concessions to three percent from six percent; and implement a series of measures to increase lender enforcement. U.S. Housing and Urban Development (HUD) Secretary Shaun Donovan previewed the changes in December of last year, noting that the FHA would announce additional details before the end of January.

Announced FHA policy changes:

1. The mortgage insurance premium (MIP) will be increased to build up capital reserves and bring back private lending

• The first step is to raise the upfront MIP by 50 bps to 2.25 percent and request legislative authority to increase the maximum annual MIP that FHA can charge.
• If this authority is granted, the second step is to shift some of the premium increase from the up-front MIP to the annual MIP.
• This shift will allow for the capital reserves to increase with less impact to the consumer, because the annual MIP is paid over the life of the loan instead of at the time of closing.
• The initial upfront increase is included in a Mortgagee Letter to be released today, Jan. 21, and will go into effect in the spring.

2. Update the combination of FICO scores and downpayments for new borrowers.

• New borrowers will now be required to have a minimum FICO score of 580 to qualify for FHA’s 3.5 percent downpayment program. New borrowers with less than a 580 FICO score will be required to put down at least 10 percent.
• This change will be posted in the Federal Register in February and, after a notice and comment period, go into effect in the early summer.

3. Reduce allowable seller concessions from 6 percent to 3 percent

• FHA says the current level exposes the FHA to excess risk by creating incentives to inflate appraised value.
• This change will be posted in the Federal Register in February, and after a notice and comment period, go into effect in the early summer.

4. Increase enforcement on FHA lenders

• Publicly report lender performance rankings to complement currently available Neighborhood Watch data will be on HUD’s website on Feb. 1. This is an operational change to make information user-friendly and hold lenders more accountable; it does not require new regulatory action as Neighborhood Watch data is currently publicly available.
• Enhance monitoring of lender performance and compliance with FHA guidelines and standards.
• Implement statutory authority through regulation of section 256 of the National Housing Act to enforce indemnification provisions for lenders using delegated insuring process.
• HUD is pursuing legislative authority to increase enforcement on FHA lenders.

In addition to these changes, FHA says it will continue to review its overall response to housing market conditions, and continuing to evaluate its mortgage insurance underwriting standards.

Mortgage Modifications in Florida Are Abysmal!

Do you remember my article in December 2009…New Math Equation: HAMP + HARP + TARP = DUD? Well I guess I did not use strong enough words. I am not even sure abysmal is strong enough. Complete failure…utter disaster…absolute waste of a few hundred billion dollars! Anyway you slice it,  a permanent loan modification under President Obama’s nearly year-old program to stem home foreclosures has been a horrific failure. So bad that I believe we may have been better off with out any bailout programs and saved tax payers hundreds of billions of dollars. So how bad is it?

Florida ranks third in the nation for foreclosures and has over 1 and 6 homeowners currently in default we have put hundreds of billions of dollars to good use and have successfully completed a whopping 8,405 mortgage modifications! Nationwide we have done 66,465 permanent mortgage modifications less than 2% of the total loans that are past 60 days delinquent. I personally know of only two people  that have actually received a mortgage modification.

The dismal performance of the program marketed as a helping hand for the nation’s more than 3.3 million delinquent home loans was released last Friday in a Treasury Department progress report.

Throughout Florida, which by every measure is one of the states hardest hit by the real estate crash, there are 8,405 permanent modifications. In Palm Beach, Broward and Miami-Dade counties combined there are 2,987 permanent modifications.

Another 96,703 Florida loans are on trial modifications.

The Making Homes Affordable program gives incentives to banks to modify loans in three basic ways; reducing interest rates to as low as 2 percent, increasing the life of the loan, and reducing the principal owed on the loan.

“You keep hearing about this wonderful program the government is doing but it’s not working,” said Joel Bienvenu, who owns a home west of Boca Raton and has been trying to get a loan modification through Wells Fargo since August. “I keep getting excuses that they are just overwhelmed.”

Nationwide, 66,465 permanent modifications have been approved, less than 2 percent of the total loans that are 60 or more days delinquent. Another 46,056 permanent modifications have been approved by the lender, but not yet by the borrower.

The median monthly decrease to mortgages that received permanent modifications was $516, according to the Treasury Department.

From the beginning of the program, homeowners have complained about having to send lenders the same paperwork multiple times, while banks say borrowers provide the wrong documents or fail to meet the requirements for the permanent modification.

Anthony DiMarco, executive vice president of government affairs for the Florida Bankers Association, said Friday that lenders have been on a learning curve, but are improving.

“I think the industry is working hard,” he said. “You can’t ramp up a program like this overnight.”

Fort Lauderdale real estate attorney and foreclosure mediator Shari Olefson said the more than 1.1 million trial modifications offered to borrowers nationwide shows lenders are making an effort.

The fact that just 66,465 have become permanent points to a fundamental problem with the program, she said.

“The program itself is a failure,” said Olefson, author of Foreclosure Nation, Mortgaging the American Dream. “It’s trying to put a square peg in a round hole.”

To qualify for a modification, a person’s monthly housing expenses must be more than 31 percent of gross monthly income. But you also must prove that you can pay for the modification.

Olefson believes high unemployment and a steep loss in housing equity is keeping the plan from working.

“The whole program was crafted before we correctly identified the problem,” she said.

Grayton Beach Foreclosure 58 Sandy Lane as Top Distressed Property Pick for January 15 2010

This week I chose a Bank Owned Property in Grayton Beach. 58 Sandy Lane is a gorgeous home just steps to the gulf in Grayton Beach! This never occupied home boasts over 4,600 square feet and offers excellent views of the Gulf! If you have a large family and love to have everyone over enjoying the best Grayton Beach has to offer the 7 bedrooms, 7 full baths, 2 separate living areas (one of first floor complete with wet bar the other on second floor), 2 laundry areas, granite counter tops, Thermador kitchen appliances, solid wood cabinetry, elevator, sophisticated central vac system, double garage, private pool, 1490 +/- sq.ft of porches/balconies, and much more will definitely satisfy your requirements. This Grayton Beach REO has just hit the market and at $1.99 Million it is priced a touch high in my opinion. This is an excellent home and definitely worth looking at if you are in the market for a great beach property along Scenic 30A.

Homes in Grayton Beach

Grayton Beach Bank Owned Property 58 Sandy Lane

Grayton Beach Market Analysis and Market Snapshot

Grayton Beach Foreclosure 58 Sandy Lane

4,690sf

7 Beds / 7 Baths

Built in 2006

Offered at $1,999,999 or $426.43/sf

If you are interested in this foreclsoure in Grayton Beach and would like to preview other distressed homes, please give Tracy Baranowski 850.259.4270 or Craig Baranowski  a call at 850.259.1788 or email  us info@teambaranowski.com.

Speeding Up Short Sales of Distressed Homes with New Rules

Calling a short sale "short" is probably the biggest oxymoron for the decade. Anyone that has tried to purchase a short sale or sell their distressed property as a short sale has instantly recognized that short sales are far from being short. I get hundreds of inquiries and discussions about how painfully slow short sales are and for most turn into months of frustration and emotional turmoil.

Team Baranowski has been able to optimize and customize our approach and process for each individual bank and property. This process has enabled us to navigate through time wasting pitfalls and pre-warn buyers and sellers exactly how the short sale process will unfold. This knowledge has made our short sale success rate at 100% in 2009, but has not significantly cut the short sale processing timeline down to a reasonable level. Most of short sale negotiations are done in 3 to 4 months which is good by many standards but pathetic when you consider the amount of time that is wasted by the lenders doing absolutely nothing to the short sale file. In early December of 2009 I wrote about "Sweeping Changes to the Short Sale Process" with a look into what changes are ahead to speed up short sales.

The federal government is setting guidelines for short sales of homes, giving lenders a 10-day limit to respond to offers, freeing borrowers from debt and providing financial incentives to lenders.

The new rules seek to address the many criticisms of short sales and figure to play a significant role in South Walton, where distressed properties dominate the market as the housing slump meanders into a fifth year.

In a short sale, the homeowner unloads the property for less than what’s owed on the mortgage, and the lender forgives the difference. Nearly half of all single-family mortgage holders in Walton and Bay counties are “under water,” meaning they owe more than their homes are worth, according to third-quarter data from Zillow.com, a Seattle-based real estate firm.

While short sales are considered the perfect solution for “underwater” homeowners on the verge of foreclosure, the deals often drag on as lenders take weeks or months to respond to offers. Frustrated buyers walk away during the delays. In some cases, lenders insist that borrowers share in the financial loss, holding up the transactions even longer.

To speed up the process, the U.S. Treasury is calling for lenders to respond to short sale offers within 10 business days. Sellers are eligible for $1,500 moving allowances, and they will not be on the hook for repayment of any debt.

Also, lenders will get $1,000 to cover administrative and processing costs, while investors owning the mortgages will receive a maximum $1,000 for allowing up to $3,000 in short sale proceeds to be distributed to less senior lenders. Loan servicers participating in the Obama Administration’s Home Affordable Modification Program are required to follow the guidelines.

The rules do not specifically apply to loans guaranteed by Fannie Mae or Freddie Mac, which represent about half of all U.S. mortgage debt. The two government-run mortgage companies are working to finalize their own guidelines.

The Treasury plan, which must be implemented by lenders no later than April is expected to streamline the short sale process.

The guidelines are meant to make short sales “a more usable tool" and the rules provide standardized paperwork for all short sales and give buyers and sellers a more reasonable time frame for whether or not the sales will happen.

The government may have to increase the financial incentives. The $3,000 cap on short sale proceeds is not sitting well with second lien holders, who have been demanding more money from sellers, the first lenders and real estate agents in exchange for releasing their claims and allowing the short sales to proceed.

“This is a great program if all these mortgages had only one lien holder,” said Travis Hamel Olsen, chief operating officer for Loan Resolution Corp., an Arizona company that helps lenders complete short sales. “But many of these properties have two liens.”

A spokeswoman for the Treasury says it will hand down “substantial” penalties to lenders that don’t comply. They can include the withholding or reduction of payments and requiring improperly rejected loans to be modified.

Lenders have blamed short sale delays on the complicated nature of the transactions, sheer numbers of deals and on borrowers who don’t submit proper paperwork in a timely manner.

In many cases, the banks are not to blame, said Ward Kellogg, chief executive of Boca Raton-based Paradise Bank. Still, he thinks the guidelines are necessary to force lenders to clear the market of so many distressed properties.

If you are a troubled homeowner, or have a family member or friend facing foreclosure, please give us a call for a confidential consultation about the possibility of a short sale.  Call Craig Baranowski at 850.259.1788 or email  us @ info@teambaranowski.com. Team Baranowski has a 100% success rate for all of our short sales for 2009!

This site, Craig Baranowski or Keller Williams Realty is not providing legal or tax advice. The information provided is for educational and informational purposes only. It is recommended that sellers considering a short sale should consult an independent legal and tax adviser for more information.

Foreclosures a Record Year in 2009

2009 was a tenuous year with one of the worst recessions we will see in our generation. Even with the government bailout programs there were record number of foreclosures and foreclosure notices. I expect 2010 to surpass 2009 in foreclosures as the bailout programs work through homes that can be saved and ones that can't.

A record 2.8 million households were threatened with foreclosure last year, and that number is expected to rise this year as more unemployed and cash-strapped homeowners fall behind on their mortgages.

The number of households that received a foreclosure-related notice rose 21 percent from 2008, RealtyTrac Inc. reported Thursday. One in 45 homes were sent a filing, which includes default notices, scheduled foreclosure auctions and bank repossessions. According to Metro Market Trends data, the Emerald Coast also saw a 21% increase in Lis Pendens in 2009. [See 2009 Market Recap]

In December, more than 349,000 households, or one in 366 homes, were hit with a foreclosure-related notice. That represents a 14 percent spike from November and a 15 percent jump from December 2008.

Banks repossessed more than 92,000 homes in December, up 19 percent from November. That increase was likely due to lenders working to clear their books at the end of the year, RealtyTrac said.
Stemming the tide of foreclosures is an important step for the real estate market and the economy to recover. Because foreclosures are usually sold at heavy discounts they can lower the value of surrounding properties. Cities lose property tax dollars from empty foreclosures and declining home values, straining local economies. Home prices have stabilized in some cities, but are still down 30 percent nationally from mid-2006.

The foreclosure crisis isn't letting up. Between 3 and 3.5 million homes are expected to enter some phase of foreclosure this year, said Rick Sharga, senior vice president of Irvine, Calif.-based RealtyTrac, which began tracking the data five years ago.

One plan intended to help homeowners is the Obama administration's loan modification program known as Making Home Affordable. Lenders participating in the program have offered trial loan modifications to 760,000 eligible borrowers since it was launched in March. A loan modification changes the terms of the loan, such as lowering the interest rate, to make the monthly payments more affordable.

As of November, just 31,000 of them had been made permanent. Nearly the same number had dropped out of the program or were found to be ineligible. The Treasury Department will release updated figures Friday.

Economic issues, such as unemployment or reduced income, are expected to be the main catalysts for foreclosures this year. Homeowners with good credit who took out conventional, fixed-rate loans are the fastest growing group of foreclosures.

The Mortgage Bankers Association on Wednesday recommended changes to the government's program to account for borrowers who've lost their jobs. The program, for example, should include a suspension of payments as the first step for borrowers with a temporary loss of income.

The government also should refrain from "endless incremental program changes," the trade association said. Since April 2009, there have been nine instances where new program requirements were released, and more than 90 clarifications for new or revised forms, reporting changes and policies. The changes forced mortgage companies to implement new procedures and retrain employees, taking away time that could be spent helping borrowers.

The same three states that led the nation in foreclosure rate in December also posted the highest rates for the entire year: Nevada, Arizona and Florida. More than 10 percent of Nevada housing units received at least one foreclosure filing in 2009, with Florida and Arizona following with about 6 percent each.
The other states ranked in the top 10 for the year were California, Utah, Idaho, Georgia, Michigan, Illinois, and Colorado.

Panama City Beach Condos Market Analysis for 2009

2009 was  a tenuous year for real estate along the Emerald Coast. One key area that everyone has been watch and analyzing is the Panama City Beach condominium market. How the first full summer of Pier Park dining and shopping would influence the condo market in 2009 and how the opening of the new Northwest Florida Beaches International Airport in May of 2010 with Southwest Airlines will increase world wide exposure of Panama City Beach.

Consistent with our 2009 Market Analysis of South Walton Beach, Panama City Beach condos saw a 23% decrease in new inventory from 2008 and healthy increase in pending sales of 31% and sales transactions of 3%. Although the increase of sales from 2008 to 2009 was only 3%, it still was an increase that we are all excited about. Consistent with the real estate market downturn we saw Average list and selling prices of condos drop 37% and 32% respectively from 2008.

2010 is going to be another stressful year for condo sales as condo financing continues to be a significant roadblock for sales. Cash buyers for condos represented less than 30% of all transactions for condos in 2009. Foreclosures and short sales will continue to be a major driving force for condos sales and condo prices and we expect an even great number of foreclosures and short sales in 2010.

There is still excess developer inventory that must be worked through to keep condo prices in check and expect to see rental rates continue to stabalize and demand for Panama City Beach as a top vacation destination increases with the opening of the new Northwest Florida Beaches International Airport in May of 2010.

Gulf Front Condos Near Pier Park                              PCB Gulf Front Condos up to $200,000

PCB Gulf Front Condos $201,000 to $300,000        PCB Gulf Front Condos $301,000 to $400,000

PCB Gulf Front Condos $401,000 to $500,000        PCB Gulf Front Condos $501,000 and up

Download the pdf version of the Panama City Beach Condo Market Analysis for 2009.

Most Expensive Distressed Homes Sold in South Walton Beach for 2009

In 2009 we had an increase of 309% for short sales and foreclosures sold according to the Emerald Coast MLS and our year end market analysis. With moratoriums on foreclosures ending in 2010, we expect to see dramatic increases in distressed property including short sales and foreclosures. All market segments have been affected by the real estate market crash and along Scenic 30-A there were some very expensive homes sold as distressed properties in 2009.
Most Expensive Short Sales and Foreclosures in South Walton

Most Expensive Short Sales and Foreclosures in Panama City Beach East

#1 Most Expensive Distressed Home Sold in South Walton Beach – 52 S Founders Lane in WaterSound Beach

One of the most exquisite homes in WaterSound Beach. This 5,000sf home was designed by Dungan-Nequette Architects and centers around an exceptionally beautiful heated salt water pool, surrounded by an antique French stone courtyard with dining area. True, rough-hewn cedar shakes clad its exterior walls and roof. Custom cabinetry, eight-inch whitewashed Pine on all of the walls along with four-inch whitewashed pine on the ceilings throughout the house are just a few of the amazing details inside this home. Originally offered for $6.7million in 2007 this WaterSound Beach home was sold for a steal at $2.4 million in September 2009 as a short sale.

#2 Most Expensive Distressed Home Sold in South Walton Beach – 274 Cove Hollow in WaterColor

This amazing 4,601sf home with a Carriage house in WaterColor has breathtaking views of Western Lake and views of the gulf from the over-sized porches.This rare lakefront home resides in the highly sought after Cerulean Landing district in WaterColor.  WaterColor homes have been hot properties for 2009 and this waterfront property with gulf views was one of the best deals to be had in WaterColor for 2009. This home in WaterColor sold for $1,810,000 in April of 2009 as a short sale. $393/sf for waterfront in WaterColor!  

 

#3 Most Expensive Distressed Home Sold in South Walton Beach – 286 Blue Mountain Beach in Santa Rosa Beach

This magnificent gulf front estate in Blue Mountain Beach was an extreme distressed short sale. At 4,711sf this gulf front home was sold for $1,800,000 in February 2009 for $382/sf! A price that we will never see again for a gulf front home and a home of this quality. With gross rental income of $120K in 2008 this home is truly one of the BEST distressed deals for 2009!

 

 

 

Team Baranowski is the leader in negotiating Short Sales along the emerald coast. We had a 100% success rate with Short Sales in 2009!

If you are a troubled homeowner, or have a family member or friend facing foreclosure, please give us a call for a confidential consultation about the possibility of a short sale. Call Craig Baranowski at 850.259.1788 or email us @ info@teambaranowski.com.

Driftwood Estates Short Sale Just Sold 374 Driftwood Point Road

We just sold another short sale in Driftwood Estates! This beautiful home just closed in Driftwood Estates in Santa Rosa Beach, Florida. It was a Bank of America Short Sale.

This four-bedroom, two-bath home had views of the Choctawahatchee Bay and sat on a large 0.5 acre lot.

Call Craig Baranowski today at 850-259-1788, or search all the listings in the area by using our powerful MLS search engine.

Homes in Driftwood Estates

Santa Rosa Beach Homes Market Analysis and Market Snapshot

Offered At: $249,000

Bank of America Short Sale Successfully negotiated.

Team Baranowski is the leader in negotiating Bank of America Short Sales. We had a 100% success rate with Short Sales in 2009!

If you are a troubled homeowner, or have a family member or friend facing foreclosure, please give us a call for a confidential consultation about the possibility of a short sale. Call Craig Baranowski at 850.259.1788 or email us @ info@teambaranowski.com.