Greg Snow - Southwest Florida Real Estate Expert provides real estate services to Cape Coral, Fort Myers, Sanibel and Captiva Islands

  "This is your big debut, its like a dream come true", www.stlyrics.com/songs/s/steelydan is on your mind as you rise on the day scheduled for closing on your home. You have a check off list of where you will go (attorney or title company), how much the certified check needs to be to settle (also from attorney or title company), any other documents (drivers license), and a list to review when you do your final walk through. There might have even been a peek at a early or preliminary HUD-1, www.alta.org/consumer/hud1 , which breaks down all costs associated with the transaction. Inevitably, the early one changes more often than a sixteen year old girl.

 You have gotton pre-qualified or pre-approved (sellers love this), have interviewed and determined a local skilled realtor will best help you find your home, and the agent has scheduled several properties to show you. Having just read the national and local papers(www.usatoday.com and www.newspress.com) you feel great having discovered the President signed in law a bill on Tuesday that will give you an $8000 tax credit (or 10% of the value, which ever is less) for a first time buyer on their 2008 or 2009 income taxes. Gotta live there for at least three years and there are some income restrictions, but this is a refundable credit.

 The Final Frontier, is not always space, but fighting to delay or prevent or foreclosure of your home. An Associated Press (www.ap.org) article today referencing a small town in central Florida, a woman had lost her job and was going to lose her home. She managed to halt the foreclosure proceedings by asking the siting judge to have the lien holder  produce the originaal note, mortgage, and other documents she signed when she closed on her home. In Lee County, Florida, with our large distressed homes inventory (www.swflrealtors.com), and (www.swflreia.com), the homestead property owners amy want to consider this approach.

 Since the real estate buying and selling insanity of the last five years has generated volumes of mortgages and notes, and these securities have been packaged, grouped and resold, and resold again, the original documents signed could very well be in Iraq today, if they exist at all. It is far from being unreasonable to use free court documents provided by some attorneys like Chris Hoyer of Tampa with his www.consumerwarningnetwork.com to fight the foreclosure proceedings of " show me the money" with retort of " show me the note".

Continued..... Your paperwork has been sent to the asset manager and after a period of time (always a fun time), you get a response. We are in Cape Coral, Florida, one of the leading fore-closure markets in the U.S, and the response is......"we are going to let you and the other multiple offerers give us "your highest" bid. This is a counter offer to as many people as offered on this property. At this point, you may feel violated, or worst and may already feel what you originally offered was fair. So avoid a major adjustment the price, but increase your escrow, maybe in increments after number of days, shorten closing date or inspection period, and remove any unnecessary obstacles to get the property(sometimes referred to as path of LEAST resistance). Remember, there are nearly 600 similar homes in Lee County, Florida(www.swflrealtors.com), so there are still many candidates for you here.