Cliff Clover, P.A.

Beware of Home Inspectors Without E&O Insurance

Cliff Clover — Fri, 13 Jan 2012 18:58:00 GMT

Kissimmee Real Estate Realtor Cliff Clover from http://www.cliffclover.cominterviews John Weaver from Cornerstone Building Analysishttp://www.cornerstone-home.com regarding why it is important to have an home inspector who carries E&O insurance and how that can affect you.

In this interview series you will learn what types of questions you should be asking when interviewing companies to provide your home inspection. I hope you will find this helpful and please share with a friend if you know if they are in need of an inspector.

If you are in need of a highly ethical and professional home inspector and would like a quote feel free to contact:

Mr. John Weaver
Cornerstone Building Analysis
Florida Home Inspection Services
Kissimmee, Florida 34745
(866) 311-2947 - (407) 518-1211
http://www.cornerstone-home.com

If you have any questions regarding Real Estate in the Orlando central Florida area feel free to call:

Cliff Clover
321.229.5890
Watson Realty Corp.
1950 E. Irlo Bronson Mem Hwy.
Kissimmee FL 34744
CliffClover.com
Cliff@CliffClover.com

Thanks For Watching!!

I don't need a Home Inspection Right?

Cliff Clover — Thu, 12 Jan 2012 16:30:00 GMT

Kissimmee Real Estate Realtor Cliff Clover from http://www.cliffclover.cominterviews John Weaver from Cornerstone Building Analysishttp://www.cornerstone-home.com regarding why it is important to have an home inspection and what the inspector is looking for.

In this interview series you will learn what types disclosures you will typically sign in a Real Estate transaction like a mold or Chinese Drywall disclosure what they mean and how it can have different meanings to the buyer or seller. Steps on how to deal or re mediate issues found on reports and how to better understand a home inspection report that is often misunderstood by many consumers.

If you are in need of a highly ethical and professional home inspector and would like a quote feel free to contact:

Mr. John Weaver
Cornerstone Building Analysis
Florida Home Inspection Services
Kissimmee, Florida 34745
(866) 311-2947 - (407) 518-1211
http://www.cornerstone-home.com

If you have any questions regarding Real Estate in the Orlando central Florida area feel free to call:

Cliff Clover
321.229.5890
Watson Realty Corp.
1950 E. Irlo Bronson Mem Hwy.
Kissimmee FL 34744
CliffClover.com
Cliff@CliffClover.com

Thanks For Watching!!

How To Close Short Sales in Florida

Cliff Clover — Wed, 28 Dec 2011 18:43:00 GMT

Kissimmee Real Estate Realtor Cliff Clover from http://www.cliffclover.comexplains how Watson Title Services is helping Realtor's and Sellers close their short sales. Watson Title president Gary DeChellis talks about how he uses reputable Real Estate attorneys to work hand in hand with Watson Title Services in order to ensure the seller has clean closing with the bank and has legal representation aware of the banks tactics regarding negotiations at closings.

For more information on how Watson Title Services helps close Short Sales in Florida please call:

Watson Title Services
http://watsontitleservices.com
Corporate Office:
1435 West State Road 434
Suite 109
Longwood, FL 32750
Phone: 407.645.1310 | Fax: 407.645.3041

One of the Real Estate Attorney's that I use often is:

Cameron H.P. White
South Milhausen, P.A.
Gateway Center
1000 Legion Place, Suite 1200
Orlando, Florida 32801
407/539-1638 - telephone
407/539-2679 -- facsimile

For any of your central Florida Real Estate needs for buying or selling please contact Cliff for a free consultation:

Thanks for Watching,

Cliff Clover
Watson Realty Corp.
321.229.5890
1950 E. Irlo Bronson Mem Hwy.
Kissimmee FL 34744

1031 Exchange

Cliff Clover — Wed, 28 Dec 2011 17:55:00 GMT

Kissimmee Real Estate Realtor Cliff Clover from http://www.cliffclover.com speaks with Watson Title president Gary DeChellis about what investors need to do before closing on a home and how they can do a 1031 exchange and the adavatages provided with the disclosure signed prior to closing a home or property.

For more infomation about 1031exchange here is the info to OREXCO:

http://www.orexco1031.com

Katherine Pantelakis, Esq.

Senior Vice President & National Sales Manager

Toll Free: (866) 543-1031

Direct: (614)341-1900 #13503

Fax: (866) 836-9180

Cell: (614) 747-1220

E-mail: kpantelakis@orexco1031.com

For more Title questions here is the information for Watson Title Services:

Watson Title Services

Corporate Office:

1435 West State Road 434

Suite 109

Longwood, FL 32750

Phone: 407.645.1310 | Fax: 407.645.3041

For any of your central Florida Real Estate needs for buying or selling please contact Cliff for a free consultation:

Thanks for Watching,

Cliff Clover

Watson Realty Corp.

321.229.5890

1950 E. Irlo Bronson Mem Hwy.

Kissimmee FL 34744

Please note that any of the information regarding 1031 Exchanges may not be accurate in this interview and you will need to consult a 1031 Exchange company to ensure your options. Please hit the subscribe button for the latest information or topics.

FIRPTA Foreign Investment In Real Property Tax Act

Cliff Clover — Mon, 19 Dec 2011 18:40:00 GMT

Cliff from http://www.cliffclover.com interviews president Gary DeChellis in Kissimmee Florida, from Watson Title Serviceshttp://www.watsontitleservices.com about the closing clause called FIRPTA or (Foreign Investment Real Property Tax Act) and how it affects foreign national or non-us citizen sellers when selling property in the state of Florida. What sellers need to consider prior to selling and what proper steps to take in order to avoid any surprises by filling out a 8828B tax form when filing taxes with the IRS. This can be very expensive if not done properly so please take notes.

Mr. DeChellis explains how the title company can prepare the seller and put foreign sellers in touch with reputable tax companies that can ensure the 8828B is handled properly prior to closing. Please see below about how you can contact Watson title Services to benefit you in your next Real Estate closing:

Watson Title Services
Corporate Office:
1435 West State Road 434
Suite 109
Longwood, FL 32750

Phone: 407.645.1310 | Fax: 407.645.3041

Harding & Associates Tax Services Inc.
Suite 124, 8681 W. Irlo Bronson Hwy. (192)
Kissimmee, Florida. 34747, USA
Tel: 001 863 968 1010
Fax: 001 863 968 1020
Personal email: michelle.goff@hardingtax.com
General email: info@hardingtax.com
Website: http://www.hardingtax.com

You made a great choice with http://www.cliffclover.com your source for any of your Real Estate needs in Central Florida like Orlando, Kissimmee, Celebration, Davenport please contact Cliff today at:

Thanks for Watching!

Cliff Clover
321.229.5890
Cliff@CliffClover.com
Watson Realty Corp.
1950 E. Irlo Bronson Mem Hwy.
Kissimmee, FL 34744

The Housing Bust is OVER?

Cliff Clover — Mon, 12 Dec 2011 16:47:00 GMT

I received this great article from http://www.dailywealth.com/ that I wanted to share and comment on just how wrong many people are enjoy and comment if you like?

"The bursting of the global housing bubble is only halfway through," TheEconomist magazine wrote recently.

I disagree...

Here in the U.S. at least, the housing bubble is completely over.

It drives me nuts when I hear commentators say, "We're halfway through," and, "We have more pain to come."

Here's the FACT: Right now, houses in America are the best value they've been in many generations. It's not hard to understand...

The Economist showed a chart of home prices relative to incomes in that article. Instead of showing that home prices are expensive, the chart shows that U.S. houses are the best deal in history (going back four decades), relative to U.S. incomes.

Now, how can The Economist have an article about the continuing global housing bust... and then show a chart showing U.S. homes are the cheapest in four decades?

To attempt to explain this, The Economist says, "Prices [in America] may have reached a floor, but this is no guarantee of an imminent bounce." Yes, that's correct. We can't know the future. We can't know if another 5% dip is in the cards. But c'mon...

We CAN know that extraordinary value exists right now in U.S. housing. You have the chance to buy fantastic properties at possibly once-in-a-lifetime prices.

So what if there's "no guarantee of an imminent bounce"? When do you get a guarantee like that in investing anyway?

Another gripe I have is that the housing price-to-income ratio – The Economist's measure of value – is actually understating the opportunity. People don't buy homes based on the price of the house relative to their income. People buy homes based on the mortgage payment of that house, relative to their incomes.

And right now, mortgage rates are off-the-charts low...

In 1980, mortgage rates were 15%. In 1990, they were 10%. In 2000, they were 8%. Today, they are BELOW 4%. It is the greatest deal in U.S. history.

Anyone who's ever bought a house knows that a 15% interest rate in 1980 is dramatically different than today's rates below 4%. Any measure of housing affordability over time that doesn't consider the mortgage payment is simply not that useful.

Housing prices are the best value in history, according to The Economist's own chart... And if you include mortgage payments in your calculation instead of house prices, U.S. houses are actually a dramatically better deal.

In short, now is the time to buy a house in America.

Look, I get it... Times are tough. Most people either can't or won't take my advice to buy a house. But it is the right advice...

I am trying to follow it myself... My right-hand man Brett Eversole has been forced to step away from his computers over and over again to go look at local properties with me.

And Porter Stansberry (the founder of Stansberry & Associates and the publisher of DailyWealth) is doing the same thing I am... investing in beaten-down real estate.

The reasons to buy now are incredibly simple:

U.S. home prices are more affordable than ever – by far. (Here in my home state of Florida, prices in many cases are down by half.)
Mortgage rates are down to record-low levels, below 4%.
You can often pay below-market prices (as banks try to unload properties, for example).

Of course, as The Economist says, there is "no guarantee of an imminent bounce."

But with prices this low and with very few other great places to put your money in our zero-percent world... if you can swing it, you need to consider buying a house.

If you can buy right, and hang on for a couple years, it could be the lowest-risk, highest-reward investment you ever make...

In America, the bursting of the housing bubble isn't halfway over. It's COMPLETELY over.

Stop procrastinating. If you can do it, get on it, now.

Good investing,

Steve

Transferring Foreign Funds?

Cliff Clover — Fri, 09 Dec 2011 13:54:00 GMT

Cliff from http://www.cliffclover.com interviews account manager Juliana Scolari from Moneycorp Inc. They are a currency exchange company in Florida that help people transfer funds from foreign accounts for a fraction of the costs that a bank will charge and lock in your rate. This is by far the most reliable way to transfer funds when purchasing a home or investment home in central Florida. Juliana talks about the fees the banks will charge you regardless or your relationship and what to avoid. Investors from Canada, England, Europe and Brazil have experienced the benefits of Moneycorp. Feel free to contact Julian personally to answer any questions you may have:

Juliana Scolari
Account Manager
Juliana.Scolari@moneycorp.com

Moneycorp Inc
7380 Sand Lake Road
Suite 410
Orlando, Florida
32819

tel: +1 407 352 5890
mob: +1 407 552 2318
fax: +1 407 352 5893
http://www.moneycorp.com/usa

Of course if you have any Real Estate questions regarding homes in the Central Florida area like Celebration, Reunion, Kissimmee, Davenport and Orlando and would like to speak with Cliff personally call +321.229.5890 or email Cliff@CliffClover.com. Feel free to hit the subscribe button for more information on helpful videos and if you know of someone that can use this information hit the like button and share it.

Thank you for watching,

Cliff Clover
321.229.5890
Watson Realty Corp.
1950 E. Irlo Bronson Mem Hwy
Kissimmee FL 34744

Buy Deed Stamps On Line.

Cliff Clover — Fri, 02 Dec 2011 17:52:00 GMT

Get ready Investors now you no longer have to go to the court house steps in Osceola County. You now can log on to the clerk of the court and purchase Foreclosed homes or deed stamps via on line. Exciting times for people to get a great deal.

What if you do buy a home then now what? You can either rent it out or sell it or live in it, if you have questions call Cliff 321.229.5890 or email cliff@cliffclover.com

Thanks For Watching!

Cliff Clover

What Buyers Need To Know when getting a mortgage in central Florida.

Cliff Clover — Fri, 02 Dec 2011 17:26:00 GMT

Today I interervied Erika Alvarez with Watson Mortgage Corp to find out the many myths that buyers have when trying to get a loan in today's challenging market.

I hope you enjoy, hit the like button if you can, here's how to contact Erika direct if you have questions:

NMLS # 270033 ** FL # LO10724

Watson Mortgage Corp.

Office: (407) 994-4410

Cell: (407) 463-6420

eFax: (407) 641-9088

E-Mail: ealvarez@watsonmortgagecorp.com

Website: www.Erika-Alvarez.com

Thanks for watching and for all your real estate needs in central Florida give Cliff a call from buyers to sellers, short sales or foreclosures I can help.

Sincerely,

Cliff Clover

321.229.5890

Watson Realty Corp

1950 E. Irlo Bronson Mem Hwy.

Kissimmee FL 34744

Resort Scuba Diving Central Florida

Cliff Clover — Tue, 29 Nov 2011 20:58:00 GMT

Got a chance to meet Scuba Steve at one of the resorts teaching scuba diving at the hotel pools like the Hilton, Marriott, Sheraton in central Florida. If you would like something fun to do with the kids underwater contact Scuba Steve http://poolscuba.com/ . Hope you enjoy the video and if you're looking for fun things to do hit the subscribe button.

Of course if you have any questions about Real Estate in Central Florida give Cliff a call for a free consultation:

Thanks for Watching,

CliffClover.com

321.229.5890

Kissimmee Helicopters

Cliff Clover — Mon, 28 Nov 2011 16:43:00 GMT

For most of you when you come to central Florida to have fun know that I fly helicopters but some of you would like to learn to fly. I am not an instructor and have used helicopters in my Real Estate carrier over 6 years now and know that there is no way to appreciate your lake front or golf front home like from the air. Some clients of mine have actually shopped for homes with me via helicopter and I wanted to do a video to show you a little bit about the type of helicopter I fly.

I went to Kissimmee Helicopters http://www.kissimmeehelicopters.com/ and met with the one of the owners Thom Richard and did this little video for you I hope you enjoy it and if you are in central Florida and would like a private helicopter Real Estate tour let me know 321.229.5890 or email me direct at Cliff@CliffClover.com. Or if you would like to learn to fly look up Kissimmee Helicopters my instructors Thom and Graham are some of best in the World.

Of course if your not interested in helicopters I have more great videos for great things to do in central Florida and great tips about Real Estate on http://www.youtube.com/user/cliffclover

Enjoy!

Kissimmee Air Museum

Cliff Clover — Mon, 28 Nov 2011 16:02:00 GMT

Had a rare opportunity to sit on a Mustang P51D fighter "Precious Metal" that has been converted to race at Reno for the Reno Air Races with Thom Richard pilot and one of the owners of the Kissimmee Air Museum http://kissimmeeairmuseum.com/ if you're looking for fun things to do it is worth a visit their displays and aircraft are available to get up close and personal. I highly recommend it i hope you enjoy the video! For more great videos about fun things to do and Real Estate subscribe to: http://www.youtube.com/user/cliffclover

Of course it is a great time to buy Real Estate so give me a call for a free consultation 321.229.5890

Kissimmee Warbird Adventures.

Cliff Clover — Mon, 28 Nov 2011 15:50:00 GMT

Went tohttp://www.warbirdadventures.com/ last week and did an interview with one of the owners Thom Richard about the great time I had flying with them and you can too, flying one of the T-6 Texans for the ultimate flying experience. Check out the video, I hope you enjoy!! for more great videos about Real Estate and cool things to do in central Florida check out http://www.youtube.com/user/cliffclover

It's a great time to buy a home so give me a call if you have any questions thanks for watching!

Amtrak Kissimmee

Cliff Clover — Sat, 12 Nov 2011 17:20:00 GMT

Just did a video about the local Amtrak station at Kissimmee and some of the great destinations you can take, round trip to Tampa or go to Miami and New York. It was $ 10.00 to Tampa from Kissimmee and I had a great time hope you enjoy and for more great destination ideas check out http://www.amtrak.com

For all your Real Estate needs contact Cliff 321.229.5890

Thanks For Watching!

Cliff Clover

Watson Realty Corp.

1950 E. Irlo Bronson Mem Hwy

Kissimmee FL 34744

My Ex Is Short Selling. What Can I Do?

Cliff Clover — Mon, 13 Jun 2011 16:31:00 GMT

Celebration FL – The Stop Foreclosure Institute recently received a question from Tom about short sales. Here was Tom’s Question.

“My Ex-wife decided to Short Sell our former house. Unfortunately we both signed the mortgage when we bought the house together. I think that means I am still liable for the debt.

She got the home after the divorce. The court gave her the home in the divorce. The market has declined and the house is worth about 120k less than the mortgage amount.

I have a good job and some assets. Will I have to pay back the bank ofr the money they lose. (My ex is selling because of financial problems.)

Also, someone said I might have to pay income taxes on the written off debt. Is that true? Please help me out here. Sincerely, Tom.”

Get my Free, Step By Step Loan Modification Guide by clicking here.

Here was our answer. Tom, you probably should talk to a good lawyer. This is not the standard short sale. There might be tax laws that will allow you to not be liable for the tax liability on the written off debt.

In my opinion, the Tax Law allows you to write off most of the forgiven debt on a short sale. You have to short sell the house before the end of 2012 and have lived there for 2 of the last 5 years.

Your ex probably meets that criterion. I would think that since she lives in the house, then you wouldn’t be liable for the taxes. But, then again, I am not an accountant and don’t know how the law would affect such a unique situation.

Will you have a deficiency judgment? We can’t know for sure because there are so many variables involved. However, in about 80% to 90% of the time, you won’t have a deficiency.

That is because most lenders just forgive the debt. They have found it tough to collect the upside down debt. Most people are short selling because of financial problems.

They are struggling to avoid bankruptcy without a large deficiency judgment. When they see a $100,000 deficiency, then they will probably just declare bankruptcy. Then the lenders gets nothing anyways.

Check with a competent short sale realtor in your area. They will be able to give you a good idea of whether or not you will have to pay the deficiency.

Thinking about a loan modification?Our Celebration loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at cliff@cliffclover.com to request a Free Copy.

Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at cliff@cliffclover.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (321) 229-5890

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Cliff Clover.

Cliff is a Real Estate Agent at Watson Realty Corp . Celebration Short Sales Realtor:

Phone: (321) 229-5890. cliff@cliffclover.com.

View My homes for sale at www.CliffClover.com.

Cliff Clover specializes in loan modification assistance and short sales in Celebration Florida. Celebration Loan Modification Help, Celebration Short Sales. Celebration Short Sale Realtor Kissimmee FL Loan Modification Help, Kissimmee FL Short Sales, Kissimmee FL Short Sale Realtor. Davenport FL Loan Modification Help, Davenport FL Short Sales. Davenport FL Short Sale Realtor. Orlando FL Loan Modification Help, Orlando FL Short Sales, Orlando FL Short Sale Realtor. Celebration FL Short Sales. Celebration Realtor.

Important Notice

Cliff Clover, Watson Realty Corp , and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clover’s personal views and do not reflect the views of Watson Realty Corp .

This information on Celebration Short Sales: My Ex Is Short Selling. What Can I Do? is provided as a courtesy to our viewers to help them make informed decisions.