Before I continue let me say that WE ARE NOT ATTORNEYS and IF YOU ARE IN DEFULT or CONSIDERING a SHORT SALE YOU ARE STRONGLY ADVISED TO CONSULT A REAL ESTATE ATTORNEY.

In my years of experience as Delands Short Sale Specialist I can tell you the lender has to do things LEGALLY that means the "proper" steps when a borrower is in default. Among those procedures are:

Petition to Foreclose

Notice of Lis Pendens

Twenty Day Summons

Motion for Summary Final Judgment

Notice of Filing

Final Order/Judgment of Foreclosure

Notice of/for sale

Proof of Publication

We have some short sales that have taken  up to 3 years yes that is correct 3 YEARS! The shortest time we have ever short sold a property is about 3 months. During this time the SELLER/AKA the Borrower has stayed in the property. As long as the property is "preserved and secured" the banks WILL MOST LIKELY NOT REKEY. ReKEY means that the property is secured by the bank allowing PRESERVATION to begin. That is where the bank "hires" a company to "check on the property," weekly or sometimes montly.

Just remember as the BORROWER even if your in default the LENDER still needs to do things legally. That means a VERY LONG PRCEDURE KNOWN as FORECLOSURE. So don't feel you need to move out PRONTO...you have tiime PLENTY of time!

For more information on Short sales CONTACT Kathy Aparo Griffin  Broker Aparo Griffin Properties. 1409 East New York Ave Deland, FL 32724 Deland's Short sale specialist.

There are some that have an uneasy feeling about staying because "they are NOT paying their mortgage."

Let me say that "staying" helps and here is why...When you move out during a short sale many times the home is left to be broken into, the pool turns green and in florida if the AC is NOT running then you get into mildew issues and problems, not to mention the grass gets high and then the city imposes "CODE ENFORCEMENT FINES," here is Delightful deland they can be $250 PER DAY for each day the grass is TOO HIGH.

So take a deep breath and dont' get all worked up about having to "MOVE" as soon as you miss that first payment. Your helping preseve the condition of the property and helping to make it easier to sell by staying.

Some lenders thru the HAFA program are offering relocation assistance of up to $3000 but it has to be or have been your primary residence in the PAST 12 MONTHS( DEC 2010 UPDATE on HAFA)

So should you stay or should you go?? It makes everyones life "easier" if you can stay until the property is SOLD.

For more information on Short Sales contact Kathy Aparo Griffin  Broker Aparo Griffin Properties, Deland's Short Sale Specialist. 386-748-0173

Elementary Schools

Orange City Elementary School
Public school · Grades K-5 · 656 students
555 E University Ave, Orange City, FL 32763
(386) 775-5215

Manatee Cove Elementary School
Public school · Grades PK-5 · 765 students
734 West Ohio Ave, Orange City, FL 32763
(386) 775-5200

Woodward Avenue Elementary School
Public school · Grades PK-5 · 858 students
1201 S Woodward Ave, DeLand, FL 32720
(386) 943-7910

George W. Marks Elementary School
Public school · Grades PK-5 · 945 students
1000 N Garfield Ave, DeLand, FL 32724
(386) 822-6630

Edith I. Starke Elementary School
Public school · Grades PK-5 · 402 students
730 S Parsons Ave, DeLand, FL 32720
(386) 943-7950

Blue Lake Elementary School
Public school · Grades PK-5 · 650 students
282 N Blue Lake Ave, DeLand, FL 32724
(386) 822-6760

St. Peter Catholic School
Private school · Grades PK-8 · 284 students
421 W New York Ave, DeLand, FL 32720
(386) 822-6010

St. Barnabas Episcopal School
Private school · Grades PK-8 · 380 students
322 W Michigan Avenue, DeLand, FL 32720
(386) 734-3005

Stetson Baptist Christian School
Private school · Grades PK-8 · 323 students
1025 W Minnesota Ave, DeLand, FL 32720
(386) 734-7791

First Presbyterian Day School
Private school · Grades PK-5 · 83 students
724 N Woodland Blvd, DeLand, FL 32720
(386) 734-6214

Children's House Montessori School
Private school · Grades PK-8 · 147 students
509 E Pennsylvania Ave, DeLand, FL 32724
(386) 736-3632

Lighthouse Christian Academy
Private school · Grades PK-12 · 413 students
126 S Ridgewood Ave, DeLand, FL 32720
(386) 734-5380

My Refuge Christian Academy
Private school · Grades K-8
2 Ruckert Circle, DeLand, FL 32720
(386) 775-4877

Geneva Academy
Private school · Grades K-8 · 130 students
811 Orange Camp Rd, DeLand, FL 32724
(386) 738-7670

Freedom Elementary School
Public school · Grades PK-5 · 707 students
1395 S Blue Lake Ave, DeLand, FL 32724
(386) 943-7670

Casa Montessori
Private school · Grades PK-K
217 N Stone St Reet, DeLand, FL 32720
(386) 734-5454

Sunrise Elementary School
Public school · Grades PK-5 · 1022 students
3155 Phonetia Dr, Deltona, FL 32738
(407) 328-5530

Friendship Elementary School
Public school · Grades PK-5 · 806 students
2746 Fulford St, Deltona, FL 32738
(386) 789-7030

Deltona Lakes Elementary School
Public school · Grades PK-5 · 1013 students
2022 Adelia Blvd, Deltona, FL 32725
(386) 789-7015

Discovery Elementary School
Public school · Grades K-5 · 876 students
975 Abagail Dr, Deltona, FL 32725
(386) 860-3300

Timbercrest Elementary School
Public school · Grades PK-5 · 903 students
2401 Eustace Ave, Deltona, FL 32725
(386) 789-7262

Forest Lake Elementary School
Public school · Grades PK-5 · 755 students
1600 Doyle Rd, Deltona, FL 32725
(386) 860-6600

Deltona Adventist School
Private school · Grades PK-9 · 46 students
1725 Catalina Blvd, Deltona, FL 32738
(386) 532-9333

Trinity Christian Academy
Private school · Grades PK-12 · 407 students
875 Elkcam Blvd, Deltona, FL 32725
(386) 789-4515

Deltona Christian School
Private school · Grades PK-12 · 240 students
1200 Providence Boulevard, Deltona, FL 32725
(386) 574-1971

Spirit Elementary School
Public school · Grades PK-5 · 838 students
1500 Meadowlark Dr, Deltona, FL 32725
(386) 789-7280

Middle Schools

Southwestern Middle School
Public school · Grades 6-8 · 710 students
605 W New Hampshire Ave, DeLand, FL 32720
(386) 822-6700

Deland Middle School
Public school · Grades 6-8 · 1676 students
1400 S Aquarius Ave, DeLand, FL 32724
(386) 822-6580

St. Peter Catholic School
Private school · Grades PK-8 · 284 students
421 W New York Ave, DeLand, FL 32720
(386) 822-6010

St. Barnabas Episcopal School
Private school · Grades PK-8 · 380 students
322 W Michigan Avenue, DeLand, FL 32720
(386) 734-3005

Stetson Baptist Christian School
Private school · Grades PK-8 · 323 students
1025 W Minnesota Ave, DeLand, FL 32720
(386) 734-7791

Children's House Montessori School
Private school · Grades PK-8 · 147 students
509 E Pennsylvania Ave, DeLand, FL 32724
(386) 736-3632

Lighthouse Christian Academy
Private school · Grades PK-12 · 413 students
126 S Ridgewood Ave, DeLand, FL 32720
(386) 734-5380

My Refuge Christian Academy
Private school · Grades K-8
2 Ruckert Circle, DeLand, FL 32720
(386) 775-4877

Geneva Academy
Private school · Grades K-8 · 130 students
811 Orange Camp Rd, DeLand, FL 32724
(386) 738-7670

Deltona Middle School
Public school · Grades 6-8 · 1451 students
250 Enterprise Rd, Deltona, FL 32725
(386) 860-3350

Galaxy Middle School
Public school · Grades 6-8 · 1811 students
2400 Eustace Ave, Deltona, FL 32725
(386) 789-7070

Deltona Adventist School
Private school · Grades PK-9 · 46 students
1725 Catalina Blvd, Deltona, FL 32738
(386) 532-9333

Trinity Christian Academy
Private school · Grades PK-12 · 407 students
875 Elkcam Blvd, Deltona, FL 32725
(386) 789-4515

Heritage Middle School
Public school · Grades 6-8 · 1478 students
1001 Parnell Court, Deltona, FL 32738
(407) 328-1300

Deltona Christian School
Private school · Grades PK-12 · 240 students
1200 Providence Boulevard, Deltona, FL 32725
(386) 574-1971

Deltona Christian Academy
Private school · Grades 1-12 · 41 students
973 Feather Drive, Deltona, FL 32725
(386) 789-5828

Victory Christian Home Education
Private school · Grades n/a · 12 students
1867 Gatewood Drive, Deltona, FL 32738
(386) 789-0819

High Schools

Deland High School
Public school · Grades PK, 9-12 · 3336 students
800 N Hill Ave, DeLand, FL 32724
(386) 822-6500

Lighthouse Christian Academy
Private school · Grades PK-12 · 413 students
126 S Ridgewood Ave, DeLand, FL 32720
(386) 734-5380

Deltona High School
Public school · Grades 9-12 · 2890 students
100 Wolf Pack Run, Deltona, FL 32725
(386) 789-7252

Pine Ridge High School
Public school · Grades 9-12 · 2571 students
926 Howland Blvd, Deltona, FL 32738
(407) 328-6800

Trinity Christian Academy
Private school · Grades PK-12 · 407 students
875 Elkcam Blvd, Deltona, FL 32725
(386) 789-4515

Deltona Christian School
Private school · Grades PK-12 · 240 students
1200 Providence Boulevard, Deltona, FL 32725
(386) 574-1971

Deltona Christian Academy
Private school · Grades 1-12 · 41 students
973 Feather Drive, Deltona, FL 32725
(386) 789-5828

Victory Christian Home Education
Private school · Grades n/a · 12 students
1867 Gatewood Drive, Deltona, FL 32738
(386) 789-0819

For more questions on ANYTHING here is Central Florida Contact Aparo Griffin properties Inc 386-738-2845 we will be glad to help you.

     I get asked this question MANY times and there is no direct answer, but we can relay the following info to you based on our experience with short sales. Before proceeding further we want to emphasize that we are not attorneys, if you are in foreclosure and considering a short sale we strongly advise you to consult an attorney.

Now we will proceed in answering the question: During the foreclosure process there are many motions, hearings and time frames. All of which are quite important when it comes to a successful short sale. During the foreclosure process the borrower will receive a "LP" also known as a "Lis pendens", this notifies the borrower that a foreclosure lawsuit has been filed against them and gives the borrower an opportunity to respond. In our experience responding has more positive results than doing nothing at all. The positive results are that the judge and the bank become aware that you are doing "something" to help resolve the foreclosure issue, and most times they will work with the borrower and realtor to allow the closing of the short sale. Many times a individual in foreclosure will approach us about selling there home and they already have a sale date. A sale date means that the judge has set a date that the property will be sold to the highest bidder. In those cases we have personally experienced that having a willing, ready and able buyer and seller can stop the sale of the home on the courthouse steps, essentially stopping the foreclosure for THAT scheduled date and that’s where the terminology "delaying the foreclosure" comes to play because by having a short sale in progress, foreclosure is delayed due to the sale being called off, most times temporarily, giving the buyer and seller time to complete the transaction. If you would like more info on buying or selling you home please contact Kathy Aparo-Griffin with Aparo-Griffin Properties, located at 1409 E New York Ave. DeLand, FL 32724. (386) 738-2845.

Tile Roofs on both with gourmat Kitchens and tons of custom up grades!!

Call today to see

DEBBIE ROOD 386-747-7674