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Like to shop? This Fort Walton Beach short sale townhome is in a great location near Santa Rosa Mall, Lowe's, Sam's, Walmart and more! Nice floorplan with tiled kitchen open to living area. Breakfast bar, smooth cooktop. Fenced back yard to call your own. Roof replaced in 2005. This Gap Creek short sale townhome is in the Northbrook subdivision. It is convenient to Eglin Air Force Base and Hurlburt Field, as well as beach on Okaloosa Island. Call Wendy Rulnick, Rulnick Realty
for help with Fort Walton Beach short sales and more!



Are you addicted to your computer? If you are not blogging, are you surfing the internet? Or are you updating your Facebook page, tweeting, sharing, emailing or texting? Do you read the news on your iPhone or Blackberry, and flip from app to app, too?
If you’re like me, your two hands are critical to what you do. All day. For hours at a time. Have you noticed the following symptoms getting more and more of your attention?
1. Do you wake up in the middle of the night because your hands or fingers are numb? Or even your whole arm?
2. In the morning, do your wrist hurts?
3. Does your coffee cup shake in your hand?
4. Is your penmanship starting to look like a doctor’s?
5. It is harder for you to open a jar without banging it with a spoon?
6. Do your fingers feel tight or swollen?
7. Does it hurt to type?
If so, you may be developing Carpal Tunnel Syndrome, where the median nerve in your hand may be pinched from swelling and cause your symptoms. I found that out when I spoke to my neurosurgeon's Nurse Melanie about a week ago. Carpal Tunnel Syndrome can be caused by repetitive motion, like typing on your keyboard all day. (It can also be caused by genetics, such as a narrow carpal tunnel). Right now, I can barly gt out the ltrs…..
What can you do before resorting to surgery? Here are some tips from the Mayo Clinic:
1. Try wearing a wrist splint during the day and at night
2. Switch to an ergonomic keyboard, mouse and desk arrangement
3. Take non-steroidal anti-inflammatory (NSAID) drugs like Advil
4. Get cortisone injections
5. Take breaks from constant typing (Yeah, I wish)
Your next step may be surgery to release the ligament pressing on the nerve. Nurse Melanie told me it is a 30-minute procedure with a two-week recovery where you cannot lift anything with the affected hand. The good news though- you can still type!
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Destin Short Sales & Pre Foreclosure Help.
Read Wendy's Destin Real Estate Blog
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 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.
What does a Bank of America Equator approval look like? Here is the happy email I got regarding a Destin short sale on Saturday:

What was the key to getting this short sale approved? Tenacity AND creativity. Bank of America's Equator system rejected this offer of around $165,000 as "insufficent" about five times. It was fair market value. In fact, it was a little over what other units in The Palms condo project in Destin Florida were selling for. Finally, we gave up and just entered $1,000,000 as the offer price. Amazingly, Equator let us continue the short sale process without rejecting the offer. (We corrected the price in the next "step".) Bank of America sent out an appraiser, and voila! It turns out the offer was "fair market" (just like I said). File approved.
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR Rulnick Realty, Inc.
Destin Short Sales & Pre Foreclosure Help.
Read Wendy's Destin Real Estate Blog
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 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.
Yes, you could live here in this gorgeous Waterscape condo on the beach in Fort Walton Beach Florida! Spectacular short sale property on Okaloosa Island. Sand, sun, gulf and tanning await you. This unit is decorated with luxury in mind. 18" tile floors, kitchen with granite counters, undermount sink, stainless steel appliances. Flat screen televisions. Master bath is large with soaking tub, separate vanities. The bunk room is an added bonus. Walls of windows to the outside from this ground floor condominium. Waterscape has two pools, two hot tubs, waterfall and Lay-Z River. Impressive work-out center. Live in Waterscape on Okaloosa Island, your condo on the beach in Fort Walton Beach Florida! If you need help buying or selling a short sale on Okaloosa Island, contact me today.



I just received an approval on a Crestview Florida short sale. Not just any short sale, but on a VA Compromise Sale. When a U.S. veteran has a VA guaranteed mortgage loan, and sells his home in a hardship situation for less than the mortgage balance, there will not be enough to pay back his VA entitlement. That is called a VA Compromise Sale or Offer in Compromise. In that case, when working with Bank of America, you won't see the dreaded "Deficiency" approval letter, where they "reserve the right to pursue a deficiency".
Here is the approval letter for a Bank of America VA Compromise sale:

If you need to do a VA Compromise sale or use the HAP program in Crestview, Niceville, Destin, Fort Walton Beach or Navarre, Florida, you should contact an experienced real estate agent. In fact, I am thinking of one right now :)
It's Wendy!
Wendy Rulnick, Broker, CRP, CRS, GRI, ABR 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
Fort Walton Beach Florida Real Estate
Short Sales, HAP and Offers in Compromise - Pre Foreclosure Help.

Posted on January 20, 2010 at 9:00pm — 3 Comments
Posted on December 27, 2009 at 12:00pm — 7 Comments
As you may have heard on the news, the U.S. Treasury is trying to make short sales, well, shorter! Many homeowners and buyers have been plagued for waiting months for short sale approvals. Realtors are at their wits end. Lenders are overloaded with requests. Waiting five months for a short sale approval is becoming th
… ContinuePosted on December 10, 2009 at 7:00pm — 6 Comments
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Posted on November 28, 2009 at 12:23pm —
Posted on October 28, 2009 at 4:27pm — 2 Comments

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