Welcome

You've reached the online home of Ryan Realty, providing superior real estate service for the Tampabay area and beyond.

People don't talk about it a lot. But finding the right real estate agent can be the difference between a happy, stress-free home buying or selling experience, and an unhappy, stressful experience. Since 1994, Ryan Realty has been serving the local community and international customers in real estate excellence.

Are you feeling overwhelmed? Buying or selling a home is one of the biggest decisions you'll ever make.

You need a professional who won’t short change you. As a full-time agent, I’m committed to "work the market", helping you through the entire process.

As your real estate agent, I'll bring my years of experience successfully buying and selling homes in the local market. I know the neighborhoods, schools, market conditions, zoning regulations and what it takes to make the deal go through.

Here is what one client says about our service: Kathy & I have bought and sold a dozen houses (investment properties and residences) with Pam Ryan Anderson over the last five years. Pam and her staff have always treated us like royalty - and met our target price in short order, without complication. She is tops in her field and really takes care of business. Stats don't lie! Many thanks to Ryan Realty for helping us achieve our dreams -- Ed Marsh May 2005

It takes a full-time commitment - anything less and you'd be short changed. As a full-time agent, I'm able to "work the market" for you, keeping up-to-date with new listings and conditions as they impact the market.

• My focus is on giving you personal attention and the best service.
• I know the local neighborhoods, schools, market conditions and more.
  
• I'll make your deal as seamless as possible.

Let's get together to talk about your home buying and/or selling plans. Call me at the office (727-442-2822) or send me an e-mail (pam@ryanrealty.org), we'll set-up a time to meet that is easy and convenient for you.

I look forward to working with you!

Pam Ryan Anderson

Short Sale Specialist

Real Estate Broker

Ryan Realty

(727)442-2822

Pam@ryanrealty.org

SHORT SALES, LOAN MODIFICATIONS – HELP! WHAT DOES THIS ALL MEAN?

Many people are currently in the unfortunate situation of not being able to make their mortgage payments, and rumors are flying around as to different options. Let me clarify what the terms ‘short sale’ and ‘loan modification’ mean.

SHORT SALE – A short sale is simply when a bank or lender agrees to accept less than they are owed, and they release the owner of the property from any further debt.

Most banks and lenders are willing to do a short sale if you are behind on payments, but will not tell you that if you call your bank or lender yourself. You need someone that is educated in the process to help you, and please do not think I’m telling you to hire or pay someone to do this for you. A good Realtor will help you negotiate a short sale as part of their job, without additional pay. There are a lot of people trying to make money from the misfortune of desperate homeowners, and I would not like to see one more person fall prey to this deceit. There is a process that needs to be followed and a Realtor can easily help you with this process, which can take 1-3 months to complete.

Now, one thing I have to mention is that banks and lenders are not so forgiving with investors. In fact, they may accept a short sale, but will most likely have the investor that owns the property sign a note saying that they will pay the difference.

LOAN MODIFICATION – A loan modification is when your bank or lender changes the terms on your mortgage, usually lowering the interest and the payments, making it possible to keep your home.

My good friend Art Walters specializes in loan modifications and if you want to see if you are a candidate, you can reach Art on his cell phone 727-247-2345. Again, it usually takes 1-3 months to complete a loan modification.

In both cases, although this might sound silly, the lenders and banks are more willing to work with you when you are already behind a few payments on your mortgage. This doesn’t mean I’m suggesting that you stop paying on your mortgage, by the way. But if you would like more information to find out which option might work for you, please feel free to call me at 727-442-2822.

Pam Ryan Anderson

Short Sale Specialist

Real Estate Broker

Ryan Realty

(727)442-2822

Pam@ryanrealty.org

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