Destin Florida Short Sales & Real Estate by Wendy Rulnick

This sharp HAP home in Marion Manor, Navarre Florida, is just what you need to welcome the New Year. It sparkles! The living room, kitchen and breakfast area all have cathedral ceilings for an open feeling.  The kitchen has breakfast bar, pantry, and plenty of cabinet and counter space, and is adjacent to tiled eat-in area. Master bedroom is oversized. Master bath features his and her vanities, separate garden tub and shower and two walk-in closets. Architectural touches include plant ledges and transom windows. Marion Manor is "West of Hurlburt" for good commuting to Hurlburt Field. It is also convenient to Santa Rosa Sound, with gorgeous sugary beaches, fishing and restaurants.

This Marion Manor home at 1987 Alfred Blvd, is listed for $177,900.

What is HAP? It's the Homeowner Assistance Program for military members who transfer (PCS) to new bases, to help them avoid short sale or foreclosure.  In a nutshell, when the market value of an Eglin or Hurlburt Field area property is less than the mortgage balance, HAP will pay the shortfall for the servicemember.

Learn more about buying a HAP home.

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 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.

This gorgeous home at 2408 Kodiak Ct., Navarre Florida was just sold using the HAP program.  What is HAP?  It's short for Homeowner Assistance Program, and is a Department of Defense relocation benefit to U.S. Armed Forces members who meet certain requirements. It's a terrific help for Eglin Air Force Base, Hurlburt Field and Duke Field airmen whose property values have declined.  How?  HAP may cover most, if not all, of your upside-down mortgage when you sell your property in order to PCS.

What are HAP requirements? Here are the main criteria, but HAP will do a full review of your situation to see if you qualify, and what your benefits may be:

1.  You have PCS (permanent change of station) orders to move more than 50 miles away
2. You bought your home or entered into a contract to purchase prior to July 1, 2006 (that requirement is currently under review by Congress)
3.  You lived in the home as your primary residence
4.  Your PCS orders were between February 1 2006 through September 30, 2010 (there is a possibility of the program approving orders through September 2012 if funding is available)
5. Your home must have declined at least 10% in value.  (Common in the Eglin AFB, Hurlburt Field markets).

Once you apply for HAP, and send your in the sales contract from the buyer you found with the help of your real estate agent, HAP will calculate how much of your mortgage deficit will be covered at closing.  You might even get a credit back if you've done many home improvements.

HAP is a good alternative to short sale or foreclosure, as it will not affect your credit.

I've helped many Eglin and Hurlburt homeowners in Navarre, Destin, Fort Walton Beach, and Crestview Florida sell their homes using the HAP program.  Contact me, and I'll help you explore your options.

Eglin  HAP steps

HAP Q&A

Apply for HAP

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 FL Real Estate

Navarre Short Sales & Pre Foreclosure Help.

Wendy is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". Call Wendy Rulnick, Broker/Owner, to list and sell your home or condo on the 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, Eglin AFB, Hurlburt Field. 

Lovely HAP home for sale in Harvest Village, Navarre Florida. You'll find the sharp decor is captivating and inviting. Custom paint palette, cathedralled kitchen and living room with palladian window add panache. Fenced back yard with pavered patio perfect for afternoon tea or late night cocktails. New roof 2005. This Harvest Village home is close to Hurlburt Field and the Navarre Beach - for sunning, swimming and boating fun!  Because it's a HAP qualified home, you won't have to wait long to move in.

7446 Harvest Village Ct., Navarre FL - HAP Home for Sale

If you are looking for a HAP agent in Navarre, Crestview, Destin or Fort Walton Beach, Florida, contact Wendy Rulnick.

How to Buy an Eglin or Hurlburt Field HAP home

HAP PCS Steps

Wendy Rulnick, Broker, Rulnick Realty, Inc.

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email Wendy: itswendy@rulnickrealty.com

Wendy is a short sale, VA Compromise and HAP specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". Call Wendy Rulnick, Broker/Owner, to list and sell your home or condo on the 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