Destin Florida Short Sales & Real Estate by Wendy Rulnick

Inviting Fort Walton Beach Florida home in Elliotts Point with water view across the street from Choctawhatchee Bay. Elegant hardwood floors draw you in, with enormous living and family rooms. More space for entertaining with the heated and cooled Florida room, and large screened porch. The kitchen is long with many cupboards, and has a breakfast bar open to the family room with gas fireplace. The back yard is deep and has an huge workshop that mimics the house. There is a greenhouse finished with a rock bottom is behind the workshop. The home needs substantial plumbing work and other repairs.  This location is serene with many charming older homes.  Eglin Air Force Base, Hurlburt Field are easy commutes. Okaloosa Island beaches are nearby.

18 Bay Dr., NE, Fort Walton Beach FL - Offered for $127,900 is a Bank of America cooperative short sale.

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

www.Shortsales-EmeraldCoast.com

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

Roll up your sleeves! This Niceville Florida pre foreclosure short sale home needs work, but with its openness, pool, guest cottage and large yard, you could make it fabulous. Originally built in 1945, it's had some upgrades since then, but needs cosmetic and mechanical attention.  If you can replace the carpet and vinyl, and install a new air conditioner, you're on your way. The guest cottage has a small kitchen, living room and bedroom. The in-ground pool and lawn are the shining features, with a large patio and big fenced back yard.

This Niceville Florida home is in the Seminole area, and is a Bank of America short sale listing.

1425 Hickory St., Niceville Florida - offered for $79,900

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.

Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Niceville Florida short sale help

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

This Church Street home in Santa Rosa Beach Florida was originally purchased as a short sale in 2009.  For the second time, it is being sold as a short sale, just approved by J.P. Morgan Chase. The mortgage was backed by Ginnie Mae, and was a USDA loan, which offers  mortgages to rural areas throughout the U.S. 

Lender: Chase
Mortgage Type: Ginnie Mae USDA
Balance: appr $220,000
Junior Liens: none
Sale Price appr $200,000
Seller Cash Contribution: -0-
Seller Promissory Note: -0-
Deficiency: none

Although Chase's short sale approval letter did not specifically address a waiver of deficiency, the Chase negotiator quoted me USDA loss mitigation guidelines, which state there is no pursuit for the balance of the unpaid note.  I researched online and found the following information about USDA loans sold as short sales, which the USDA calls "pre foreclosure sales" or "PFS":

"A borrower who successfully sells the property securing the loan using the PFS option is relieved of the mortgage obligation. The borrower shall not be pursued for deficiency judgments by either the Servicer or the Agency."

Other things to note about USDA short sales - you must have a hardship, and be at least 31 days late on your mortgage payment or facing "imminent default". For more information about Ginnie Mae or USDA short sale help in Santa Rosa Beach, Florida, email me at itswendy@rulnickrealty.com

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Santa Rosa Beach FL short sale help

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

 
One of the biggest sources of confusion I find with Eglin Air Force Base HAP sales from the seller comes at closing.  First, if you don't know what HAP is - it's the Homeowner Assistance Program from the Department of Defense.  It's designed to help military members who have permanent change of station orders (PCS), and are "upside down" in their home values, i.e. owe more on their mortgages than their property's market value. HAP will pay the mortgage deficit under certain circumstances, which helps the service member avoid the credit impact of short sale or foreclosure due to their mandatory relocation.

One of the stipulations of HAP is that the Eglin airman is current on his mortgage payments, taxes and association dues, or that is the extent to which the benefits apply. For example, if you were six months behind in your mortgage, HAP would not pay the amounts in arrears to satisfy your bank. You must. So what's the issue? Even service members who are "current" on their mortgage payments will normally owe a pro-rated amount of mortgage interest, taxes and maybe association dues at closing. Remember, mortgage interest is paid in arrears. If you have a payment due on March 1, that would cover the interest for the month of February, not March. 

My last HAP seller asked me why he had a bill for almost $1500 at time of closing from the U.S. Government title agent.  I told him it was probably his mortgage proration. He said, "But I made my mortgage payment!" I said, "Yes, but that covered the previous month."  If your closing is mid-month, you would owe about two weeks worth of interest to your mortgage company, which will be collected by the title agent to pay your lender at closing.  That goes for taxes and association fees, too. 

Florida's property taxes are paid one year in arrears (not all states handle their property taxes the same way).  That means that the tax bill for your Navarre, Niceville, Crestview, Fort Walton Beach or Destin property covers the previous year (arrears). If you close on September 1, for example, the buyer will still receive the tax bill for the time YOU owned the property during the past year. That wouldn't be fair, would it? So at time of closing, you have to reimburse the buyer the eight months to apply to the tax bill they will be getting at the end of the year. Yes, your mortgage company normally (but not always) escrows this amount in your total mortgage payment. You will get a reimbursement check after closing for any remaining balance in your escrow account. But for the HAP closing, you will owe the year-to-date taxes that are due.  The same applies to homeowners association dues.  The government won’t pay those on your behalf.

So what is a reasonable expectation for funds the Eglin service member might
need for closing? Set aside enough to cover one mortgage payment, and potentially, almost a year tax obligation. You probably will not need all of it, but be prepared “just in case”.

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.

Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com 

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

This home in The Meadows, in Navarre Florida was just approved as a VA Compromise Sale.  The gorgeous 2008 property with in-ground pool and three car garage, went under contract in about 30 days.  We prepared the VA short sale package for Citi Mortgage, faxed it, followed up and received approval for our seller in 24 days!

What is normally included in a simple VA Compromise Sale package?
Hardship Letter
Dodd-Frank Certification
Two years tax returns
Financial worksheet
Proof of Income
Bank Statements
Preliminary Settlement Statement
Listing Agreement
Buyer Proof of Funds
Contract (purchase and sale agreement)
Authorization to speak with listing broker

What are the benefits of a VA Compromise Sale?
The borrower will not have to pay back the shortfall (if there was no fraud, misrepresentation or bad faith when the loan was obtained) 
There is currently a $1500 relocation bonus paid to the VA borrower at closing

What are the negatives of a VA Compromise Sale?
You cannot obtain another VA mortgage loan unless you pay back the government loss
Your credit will be reported as "Paid in full for less than the full balance"
You may owe federal taxes depending on current tax law and your total financial picture

One of the key differences between VA Compromise Sale program and traditional short sales is that you must have a hardship.  Nowadays, so-called “strategic” short sales are more common, where the borrower no longer wants the property, has no financial hardship, so participates in the loss by contributing cash or agrees to a promissory note to obtain a short sale. This is not the case with a VA mortgage. You must be at risk of default, and not have your own cash available to contribute. 

More questions about VA Compromise Sale?  Email me at itswendy@rulnickrealty.com

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.

Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Navarre Florida Short Sale Agent

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States. Wendy Rulnick sells real estate in Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

I was amazed the other day when I got a real estate listing from a service provider I know.  I’m talking about someone like a repairman, UPS deliveryman, postal worker-- not in a business directly related to real estate.

He called my office to set an appointment to list his elderly parents’ property.  When he came in, I thanked him and said I was “honored” that he had selected me. I truly was.  He said, “You know I do work for dozens of Realtors on the Emerald Coast, but I know you are the right one." I thought about this. I had never mentioned real estate to him in all the years I knew him. But I had always asked him how he was, how his business was, discussed the weather and called him by his name.  Why? Because I am interested in people.  I never thought nor cared about getting "business" from being nice and never had an ulterior motive.

The reason I am writing this is because I know some people won’t even give eye contact to people they are not engaged with, like those who mow their lawn, fix their cable t.v., provide termite treatment, detail their car, or are secretaries to someone they want to see.  They don’t look at them, don’t say hello, and certainly don’t shake their hand.  That’s all wrong.

One of the greatest gifts we can give others is respect. If you acknowledge the people you encounter, and show them kindness and interest, you can make their day.  I remember I shook an electrician's hand to introduce myself once.  He almost fainted. My UPS lady loves talking with me, and I like hearing about her family.  It makes me feel good, and I can see her glow, which is my reward.   So, think about how you conduct yourself. I am not perfect, and surely can get moody sometimes.  But I try to be my best self to others by acknowledging them, looking at them in the eye, and truly being interested.  Don’t do it to get business, whatever kind of business you are in. Do it to show your humanity.

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Destin Florida short sale help

Wendy has been licensed for over 20 years, and owns Rulnick Realty, Inc.  She serves the entire Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County-  Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

“ We want to wait until after the Holidays to put our home up for sale.” Every year I hear that mantra from potential Destin Florida real estate sellers.  Well, guess what? So does everyone else. Here are three reasons why you shouldn’t wait to list your Destin home now, instead of January:

1.       Less Competition.  What’s that? When you sell your property, you are competing against all the other properties for sale that your target buyer is looking for.  For example, if you have a condo priced under $400,000, with more than 2000 square feet, all the other Destin condos with those criteria are vying for the same buyer.  If you have a single family home on the beach on Scenic Highway 98, all those other beachfront houses compete against yours. In December, there are far fewer for sale. In January, they come out in droves-- sellers who wanted to wait until “after the Holidays” to list. It happens every year.

2.       More Serious Buyers. True, you may have less showings and buyers in the market place in December, but they are typically more serious and “need” to purchase.  They are probably not tourists “just looking” in the Destin market.  After all, this is a busy time of year for buyers, too.  If they are looking at homes now, chances are – they’ll buy.

3.       What Better Time to Show Off Your Home?  Think mulled cider, the scent of pine cones and a plate of cookies left out for “Santa or the New Owners!”  I can hear White Christmas playing softly in the background, and see the ivy draped across your mantle.  And what could be more welcoming than a big wreath on your front door? 

As I tell potential sellers when they ask me, “When is the best time to list our property?”, my answer is always the same – "Now"!

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Destin Florida short sale help

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States.

I just admitted I goofed.  It was something minor - a data field for a Destin FL Bank of America short sale.  I accidentally entered the wrong property tax amount. Or, shall I say, I was doing too many things at once and should have checked my work. No harm was done, but the negotiator had to re-create the task so I could do it right.  He didn’t say “You goofed, idiot!”.  He just asked me to re-do it. I had two choices.  I could have just done the task, or could have also admitted I had made a mistake.  I did the latter.  Here is my email:

“Got it!  Sorry I messed up before!  Happy Thanksgiving Week!”

This seems like a minor point, but it isn’t-- in negotiations or in real life.  How does admitting you were wrong help?  First, bringing your mistake out in the open, shows you are human.  Acknowledging it shows you care.  In negotiations, it can disarm the other party.  It can bring them to your side, and create a connection.  How so? Human beings are “rescuers”.  They have sympathy.  And if you admit you are wrong, it allows them to be wrong, too.  Their defensive wall is taken down.  Dale Carnegie says this in his classic book, “How To Win Friends and Influence People” - “When you are wrong, admit it quickly and emphatically.”  He goes on to say, “You will never get into trouble by admitting you may be wrong.  This will stop all argument and inspire your opponent to be just as fair and open and broad-minded as you are.”

Confess when you make a mistake, and watch what happens with the negotiator, the other agent, your seller or your spouse.   In my case, the negotiator melted and emailed me back three times to discuss his cold, while working on my short sale approval.

Admitting you were wrong is the right thing to do. 

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

 Destin Florida short sale help

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States.

Wendy Rulnick covers the entire Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County-  Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

Every once in a while I run into a situation where a Santa Rosa Beach FL short sale seller does not have the funds to keep their utilities on.  Their yard is overgrown. They cannot pay for lawn care.  When this is the case, what do you do?  I know agents who pay for customer’s utilities, lawn and other maintenance on a regular basis. They may consider this part of their cost of doing business if they are in the short sale specialty. That is fine, but I stopped paying for these types of items years ago.

I remember the first time I “paid” for someone’s water turn-on as a favor. They were to reimburse me.  Two bills later, they never did.  Sometimes you get a clue at the beginning of a transaction. Is the seller slow to send in short sale paperwork? Is it a strategic short sale?  These are the sellers who can afford to keep on utilities, but choose not to. They also may not be as committed to the sales process.  I just ran into this situation with a lock change in Santa Rosa Beach Florida.  The seller could not find his keys for an investment property he hadn’t seen in years.  He felt the short sale lender should pay for the lock change.  Would I step in and do it? No. Why not?  There had been other “clues” about the seller’s willingness to cooperate.  A serious and motivated seller is an integral part of the real estate sales process, short sale or not, and if that’s not the case, you probably shouldn’t take the listing.

So, what are some solutions to seller’s unwillingness or inability to maintain properties during the marketing period?  In the situation where a vacant, improved property’s yard becomes overgrown, and we get complaints from neighbors, what do we do? We state in our listing agreement that our sign will be removed, since the neighbors innocently expect the real estate company to also be the property management company. In the case where the seller does not turn on utilities, we state in the MLS: “Buyer is to turn on utilities for any desired inspections”. Most buyers understand the seller is in a financial predicament, and agree to pay. I’ve only had one problem with this over the years. The buyer did not have the funds either.  In that case, the seller agreed to reduce the earnest money requirement, and turn $100 back to the buyer for utilities.  Problem solved.

It's Wendy!

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com

Santa Rosa Beach FL short sale help

Wendy Rulnick, Broker, is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has successfully helped hundreds of families avoid foreclosure through short sale along the Emerald Coast of Florida. Wendy Rulnick is knowledgeable in all aspects of short sale, including VA Compromise Sale, FHA HUD pre-foreclosure sale, HAP military PCS, HAFA, Bank of America Coop program and more.  She is also co-founder of www.ShortSaleSuperstars.com and short sale instructor to agents across the United States.

I am usually on the tech edge.  As a Destin Realtor, I've found that buzzing on social networks, blogging using Wordpress and Activerain, and promoting my listings all over the internet is a great way to run a business. I also like using software that adds efficiency and pizzazz, and I've learned about many of these from my partner, Bryant Tutas.  Some examples are Scribd, Pdfill, Picasa, etc.  But there was something I was missing, and I recently found it… Docusign!  I might have been late to the Docusign game, but I am a full blown fanatic now.

What is Docusign?  It’s a program that facilitates the use of electronic signatures to sign documents online. Sounds scary, doesn’t it? I think I shied away from it because I wasn’t sure if it was legal. Or maybe – because the idea of e-signatures seemed radical to me!  For my first objection, “Is it legal?”, here is the FTC’s Electronic Signatures in Global and National Commerce Act of 2001 (also called ESIGN).  The ESIGN Act states that electronic signatures “may not be denied legal effect, validity, or enforceability solely because it is in electronic form”.  In 2010, Congress re-affirmed the use of e-signatures by making June 30 “National ESIGN Day”.

My second objection – that Docusign seems “radical”, was quickly overcome by trying it out.  If you are at all computer savvy, and can fill in a form, you can figure out how to use Docusign.  Basically, you upload the PDF you want signed into the program, (for example, a real estate offer).  Then you drag icons from a menu to indicate where your customer will sign, initial, date, or even add terms.  After doing so, you email it to your customer.   He can pick an online signature image to use as his own after he agrees to do business electronically.  The software will guide him through the document, so all he does is “read and click”. When he has finished signing, you get an email notice, and can pick up the document online, or forward it to someone.  Docusign allows multiple signers, like husband and wife, or even "you" if you must sign a VA, FHA or lead paint addendum. You can even sign on an iPad or cell phone.

What was my customer response to Docusign? Cartwheels! One seller even requested Docusign after we “accidentally” sent him an addendum without using it.  He said, “Can’t you Docusign it to me?”  What does it do for the customer? Convenience. They don’t have to find a printer and fax machine.  They cannot miss an initial. The program brings them to the right spots! How many contracts have you had returned with missing signatures? This time, the only way it can mess up is if you do. 

What’s the cost?  Too cheap to pass up at $14.99 a month for unlimited emails. (No, I do not work for Docusign).  I am telling you all this because I am very excited about how this product has changed my business. My team loves it.  Everything is speeded up.  My customers love it. It’s convenient.  Most short sale lenders accept e-signatures, too. 

So, what are you waiting for? Don’t wait for ten years like I did to get with the program!

It's Wendy!

Wendy Rulnick, Broker/Owner of Rulnick Realty in Destin Florida, is a licensed real estate Broker, short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". She has been licensed for over 20 years, and owns Rulnick Realty, Inc.  She serves the entire Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County-  Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Panama City Beach, Eglin AFB, Hurlburt Field. 

Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-487-9639 or local 850-650-7883 ext 204
Email Wendy: itswendy@rulnickrealty.com