Altos: Critics Are Wrong About Where Housing Is Headed

In Pinellas County, specifically the beaches along the barrier islands from Clearwater Beach, St Pete Beach, the housing market is strong and prices continue to rise.

Altos: Critics Are Wrong About Where Housing Is Headed.


FHA Program Puts Ex-Home Owners on Track to Buy Again Sooner

Start searching for your next home, you may be able to buy now, before prices and/or interest rates go up.

FHA Program Puts Ex-Home Owners on Track to Buy Again Sooner.

Tax Reform Proposal Would Impact Every Single American

Tax Reform Proposal Would Dramatically Alter Housing Landscape.

Buyers of Foreclosures Need to Act Fast

Some Buyers of Real Estate feel that if there is a lot of interest on the house they rather pass on it because they “don’t to get in a bidding war”.  That might be a mistake. The best properties, listed at competitive prices generate a lot of interest, and you might be passing out on a home that you like, that you could possibly get at a bargain price.

I don’t know what your experience is, but I have to strongly and passionately pursue  everything I really want out of life.  The attitude of “it will be if it’s meant to be” has never worked for me. Sure I have faith, and I pray, but I also go for it. It is fine if something does not work out as I planned, but at least I know I gave it my best shot.

Now that the market is changing, it is very important to go after the good deals, act fast, and yes, get into the bidding wars. I’ll help you “fight for it”.

Read more……

Buyers of Foreclosures Need to Act Fast.

I love what I do. You’ll love the results.



According to CoreLogic, rising home values helped 1.3 Million home owners get out from “underwater” in the first half of 2012.  An additional 2 Million will have equity in their homes if national home prices simply increase by another 5 percent.

The law of supply and demand is what’s driving values up –  There’s no better fix for the market!!


New Citizens Property Insurance Corp. Rule – Required Inspection

Any homes 30 years or older, will be required to have a passing 4 point inspection after September 1, 2012.  This means that any home built in 1982 or earlier, and closing after September 1st must have and pass the additional inspection.

What does 4 point inspection mean?

The 4-point means that the inspector will examine the home to make sure that it is up to code. It covers the main four points in a home:

Plumbing          Electrical          Roof        HVAC

Other insurance companies have asked for this inspection for many years, so this is not going to be a surprise for many people.

2 Ways to Become Mortgage-Free Faster

Many home owners dream of one day being able to pay off their mortgage, but is it really possible?

Home owners will need to take into account a variety of factors when deciding whether paying off their mortgage makes the most sense for them in their current financial situation But for those who’ve made it their goal, the following are the two most common ways to paying down the mortgage faster:

1. Arrange a bi-weekly mortgage payment structure: These bi-weekly payment structures — paying the mortgage partially twice a month instead of all at once at the end of the month — ultimately make it so the home owner ends up making one extra payment per year. And just one extra payment a year can actually take a big chunk out of the time to pay off your mortgage.

2. Make extra principal payments: This can trim your principal balance on your mortgage. Some may do this by making one big extra payment at the end of the year or other borrowers may choose to make extra principal payments monthly. Columnist Justin McHood says that the “faster is better” approach when making extra principal payments. “Because the monthly interest expense on a mortgage is calculated on the loan balance … the sooner you can get a lower loan balance, the lower your monthly interest expenses will be,” he writes.

Source: “Paying Down Your Mortgage: How to Do it the Right Way,” Zillow (Aug. 15, 2012)