Are you worried that you are upside down in your mortgage?

Upside Down Tallahassee home options are in as much need as ever. I have great news for Tallahassee real estate owners – the 2011 revisions to the HARP Program… also known as the the Home Affordable Refinance Program.  Why is this great news?  Simply because the 2011 revisions brought some very impactful changes to Tallahassee real estate owners.  One of the most notable changes is the fact that you can, “owe more on my Tallahassee home than it is worth” and not be eliminated from being able to refinance.

Really?

Yes – people are getting lined up as I type to take advantage of the lowest Tallahassee mortgage rates that they have been unable to take advantage of – till now.

Do I qualify for a HARP refinance?  Does my home qualify?  The 3 main test to this are as follows:

1.  You mortgage is backed by Fannie Mae or Freddie Mac. [Most people don't know, so don't worry, we can help – simply visit www.HARPRefiQuote.com

2.  Your tallahassee home loan was backed by Fannie or Freddie by June 1, 2009. [Now, the "backing" process can take as much as seventy-five days, so if you closed before March 15, 2009 you should be fine – between Mar. 15 and June 1, we advise that more research needs to be done on your Tallahassee home.]

3.  Your payments are current.  HARP 2.0 only allows for one thirty-day late in the last twelve months and no lates in the last six months.

If you pass these three barriers, refinancing to a low HARP mortgage rate is closer than possibly imagined.  If you do not fit the three points above, it is advisable to seek out a Tallahassee Short Sale if you are struggling with your housing expense.

Don’t hesitate too long - HARP 2.0 is expected to have a serious impact in Florida.  Familes all over Florida will be clamoring to get through the HARP 2.0 door – waiting only augments the time that you will be paying too much for your current mortgage… we can’t say it any clearer – act NOW.

 Send us an email  or call us at 407-900-REFI [7334] to ask about the next best steps to keep your current mortgage from costing you more than necessary.

by: Chris Brown, CMPS, NAIFA, National Recognized HARP Expert

Debbie Kirkland, SFR   – Short Sale and Foreclosure Resource , We Can Help  Call us at 850-212-0440 today for your free consultation.


Realtors, Serving You

Today was my first official Monthly business meeting as President of the Tallahassee Board of Realtors. I couldn’t have been more excited.  Although official Installation is a little late this year in February, I wanted to wait so that I could share that moment with the members of our Association as we recognize all of their accomplishments of 2011. I’ve spent a year planning for this very important year. Polling members, meeting with Brokers and Agents one on one, asking the hard questions, listening to their concerns, their fears and their struggles as they plow forward through the uncertain and ever-trying economic downturn of a housing and employment recession. Learning how to help, where to apply our energies and talents. However, mostly, I have learned about my fellow Realtors.

Kudos to the Realtor survivors, to those with a passion so strong that they can think of nothing they would rather do, than to serve the public and be the advocates for all homeowners, present and future. God Bless the ones who had to make a change, to survive but who still have that burning desire to help others.

I wonder and ask, “Does the public truly realize the service of the professional Realtor, or understand the level of education, certification, and experience that the dedicated Realtor brings to the table of every transaction?”   The industry of real estate professionals who carry out the duties of residential, commercial, development, appraisal, and property management transactions, are the future-shapers of every community. The ripple effect of the real estate professional and every transaction they facilitate creates work and employment for mortgage companies, banks, loan officers, insurance agents, title company employees, home inspectors, pest control specialists, roofers, carpenters, handymen, contractors, building supply companies and local businesses.

Thank God for the Realtor. Thank God for the customers who use the professional Realtors because they value not just their knowledge of the transaction, but of the service the Realtor gives to their community and the protection and survival they fight for for and support which involve all of these industries.

My opening remarks were simple today,.. another “Thank You,”  for the professional, the Tallahassee, FL Realtor:

You don’t always see was what it took for many of us to get to where we are today. People  don’t always see the thousands of hours that were spent studying for a certification, reading and researching industry news  or walking and talking about advocacy issues that you hope will protect your very right to be in business or homeowners to have property rights. Not many are here to see you breaking the glass ceilings of the personal goals we surpass or to say, “Good Job.”

And, not one of us is here on our own. Everyone has had someone to inspire us, someone who has set the bar in our eyes, someone who we recognize has accomplished much, be it in business, in our community or in their personal lives. In many ways we see ourselves in you, and hope that you see yourselves in each other so that you see we are not just one, but many.

This Association is about you. It’s about those that came before you, and that work beside you or who mentor you today.

This year, your leadership team is here to open doors of communication, to encourage discussions that help develop services, tools and technologies things that you need to grow and develop your business. Our meetings are more than “Marketing meetings,” they are “Business Growth and Development Meetings.”  We are here to give you opportunities within your profession to be a part of changes, of vision, to help you break the glass ceiling of business as usual. We are here to thank you for reaching back to help pull someone else up and over. We are here to support you, in business and in life as you strive to “Raise the Bar”.

This year, I’m striving to acknowledge the exceptional Realtor, the many who have helped others, helped my customers and the many with whom I have strong, and powerful relationships. So, what constitues the exceptional Realtor? A few unique characteristics of “that” Realtor:

  • They attempt to balance work and family, and have a very difficult time at best.
  • They work 70 – 100 hours a week. ( do the math on that, the next time you see that “fat” check that you think they receive at closing!)
  • They take customer’s calls on nights, weekends, and the most inopportune times, and they ANSWER the call.
  • They catch all kinds of Hell when a transaction falls apart between buyers and sellers…all while having to reconcile that they will not get paid for another few months..perhaps never.
  • During the recession, they have lost their life savings trying to survive on the rare transaction that made it to closing, while loosing their real estate investments, and even their homes and health insurance, yet helping their customer’s keep theirs. Some, for the second time in their careers. Remember the 80′s, 13% interest?
  • They are advocates for local communities, promoting amenities in hopes of attracting a population of newcomers, working with Commissioners, Chambers of Commerce hoping to attract business and industry companies that ultimately produce jobs.
  • They reach into charities, neighborhoods, communities to volunteer hundreds of hours, giving back, helping others and growing communities.
  • They sponsor community events, contribute to the less fortunate, even when that means sacrificing funds that they need to make ends meet.
  • They work through exhaustion at the end of their day while getting that one last article to the local paper, or magazine that provides the public with a true sense of market conditions.

Realtors, the genuine, ethical professional puts others first most times. Help me say “Thank You” to those Raising the Bar in their industry and in your community.

 


I too am saddened to hear of this drastic, ridiculous move by Florida Governor Rick Scott. I received this notice today from Florida Representative Alan Williams, in my District, and am deeply concerned of the economic impact it will have in our area.

STATEMENT FROM REP. ALAN WILLIAMS
REGARDING STATE PRISON CLOSINGS

TALLAHASSEE, Fla. – In response to today’s announcement by the state Department of Corrections that seven prisons and four work camps in Florida will be closed and jobs eliminated under direction from Governor Rick Scott, state Representative Alan Williams (D-Tallahassee) issued the following statement:

“I am saddened and disappointed with Governor Rick Scott’s decision to close several correctional institutions that are economically vital to our rural communities. I care about and have great concern for the people who work at these facilities, their families, and the small businesses that have relied upon the employment and economic opportunity that these prisons have brought to these fiscally constrained areas of our state.

“The closure of River Junction Work Camp in Chattahoochee, which is located within Florida House District 8 that I represent, and the closure of Jefferson Correctional Institution, an employer for many residents of my district, are especially troubling to me. But I believe the governor’s staff should reconsider the manner in which it is handling all these prison closings. Rather than fully closing all seven of these facilities, I wonder if it wouldn’t be more appropriate to consider restructuring the facilities, or even taking a closer look at the state’s privatized prisons.

“In his State of the State speech earlier this week, Governor Scott talked about protecting jobs and producing a job-friendly business climate for Florida. Sadly, his rhetoric doesn’t match the reality shown by his decision to close these institutions. His action reminds me of how so often we hear that government doesn’t create jobs. But in this case, it seems like government — or at least Governor Rick Scott — is destroying jobs for Floridians.”


How To Protect Your Home And Plants During a Freeze in Tallahassee, Florida

With mild winters and rare below freezing temperatures, Tallahassee, Florida residents are generally not prepared for hard freezes, especially those that last a few days. Service providers such as plumbers, heating contractors, propane suppliers and utility companies will experience a much higher volume of calls during these periods of cold.  From tender plants to exposed pipes and water wells there are some preventative measures you can take to protect your home during a hard freeze.

Prevention

The first line of defense is to watch the local weather alerts. Be prepared for the cold before it hits. Communicate with out of town neighbors. Contact your condo or townhome maintenance department with concerns. Learn how to shut off the water supply to your home in an emergency – locate the water meter and shut off valve near your home or on your sprinkler system.

Protect Your Plants

If you have potted plants, move them indoors or even into garages. Particularly your tropical plants such as hibiscus, fruit trees or bromeliads and ferns. In the spring when you are planting these delicate plants, consider potted gardens that can actually be moved in doors or under cover during periods of extreme rain and cold.

Use thick layers of mulch or pine straw to provide moisture in the soil and ultimately root system protection. This is great for our native plants such as azaleas, hollies, ligustrum, nandina, wax myrtle and lorepetalum. Some plants such as hydranges and jasmines may loose the exposed portion of the plants, but usually return in the spring.

Cover Your Plants: Use old sheets, blankets, cardboard boxes secured to the ground with sand, stones or bricks or cover small plants with old nursery pots or glass jars. Remember how this created the miniature greenhouses when we were kids?

What Not To Do After A Freeze:  Do not remove the frost or ice by hosing them off. It is too drastic of a temperature change and will damage the plants cellular structure and kill them. If freezing rain is going to happen, cover plants with plastic if possible. Only trim plants in the spring, leave the damaged woody stems or branches alone until then.

Protect Pipes and Underside of Your Home: In Tallahassee, FL we have many off-grade homes with exposed pipes that run under homes, between floor joists, etc.Protection for these pipes involves little time and money. Styrofoam covers for spigots, insulated wrapping materials and can be found at the local hardware store or Home Depot/Lowes. Do not forget to wrap your sprinkler system pipes and valves as well. Wrapping tightly with  blankets, cloths and string or rope that is tied securely will work well also. Running water is less likely to freeze in our area, so leave an outside faucet dripping if possible ( but don’t forget to turn it off as the temperature rises!

More than likely, by the next day, temperatures will rise above freezing and you will have averted any chance of disaster. If you do have a problem, call one of our Preferred Partners for plumbing, heating and air help. If you have any problem with your gas lines, call the City of Tallahassee immediately or your propane company emergency number:

City of Tallahassee 891.4YOU (4968) or 711 (TDD) – To report power outages / repairs,

downed power lines and faulty water, sewer & gas lines 24 hours a day / 7 days a week.

 

Nice Things To Do During a Freeze:

Remember your neighbors who may be out of town, help protect their home if possible.

Do not forget our homeless. Take extra blankets to the local homeless shelter. Donate to those in need.

(Directory of Homeless Shelters in and near Tallahassee, Florida)

 

 

 


I Found My Christmas Spirit This Year in the Most Unusual Place

Each year, the time presses us into a frenzy, the demands of balancing work and all the things that need to be done to shop for others, to get Christmas cards out and to prepare for gathering of family and friends.  This year was especially rushed, and I don’t know why really. It’s not like I have had no warning, like I didn’t have 11 months to prepare for Christmas.  Procrastination fills every moment and there are always excuses for me not to shop. Shopping to me is a curse that rears it’s head at the most inopportune times. This year was no different. Giving is a wonderful thing, which I enjoy, but it’s the task of the purchase and the thought of what to give that gets me all sidetracked. Perhaps if I would think about it ahead of time, it would not be so overwhelming.

This year, during one of my moments of procrastination, I pulled into Whataburger on Thomasville Road, a familiar and beloved place in Tallahassee, not realizing this time something worth pause was about to happen. I stopped for two reasons really, first, I was starved, secondly, I wanted to get my girls, who since they were old enough to eat real food, developed a passion for Whataburger. My dad, the hamburger connoisseur swears that a Whataburger is the best hamburger in town, and believe me, he’d rather eat there than anywhere else on earth. As I ordered and paid for gift certificates, I was helped by the sweetest, most courteous counter clerk ever. I noticed her striking face the last few times I ate at Whatagurger. She has a humble spirit and a shy smile. When I made my purchase, it came over me, the Christmas spirit, the true spirit of giving. I found myself wanting to do something spur of the moment, something slightly meaningful for just her. I wondered about this hard working young woman, probably  my daughter’s age, and if she would have a memorable Christmas. I found myself digging through my wallet filled with receipts form the week’s purchases and I found it, the last $20 bill I had at the time. I asked for her hand, and I placed it in her hand and closed it tightly and said, “I know it’s not much, but I will be back. I want you to spend this on you,..just you. Please do that for me, Merry Christmas.”  It was as if the room went dark and a light came over her. She replied shyly, “thank you, this is the first Christmas present I have gotten.” I have a feeling it may be one of the few that she may be getting.  It made me smile, and I vowed right then and there,..to go back to check on her, to get to know her, to make sure that the next $20 I slip her will be for something again, just for her.

I hope you and your families have a terrific Christmas. I hope that we all renew our spirits, looking around thankfully for all that we have and reaching out to those who are deserving and in need and that we give, not just at Christmas, but every day. Merry Christmas Everyone! Pay It Forward!

 


365 Things To Do In Tallahassee, FL

Bradley’s Family Country Christmas at Bradley’s Country Store

There is magic that happens when little ones see Santa Claus. In the country there is even more magic when Santa visits Bradley’s County Store this year. If you have young ones filled with wonder think about taking them to the Bradley’s Country Store for some down home country Christmas fun.

You all know I grew up near the Store, and with the owners, and I always love going back. It certainly brings back great memories of when I was a kid sitting on that porch drinking a bottled Coca-Cola! On Sunday, December 17, 2011, from 2:30 – 4:30 kids can enjoy a visit with Santa, roasting marshmallows, petting the goats, face-painting and pony rides and to top it all off, hear Sachel, the Bradley’s singing dog!

The weather is perfect this weekend and the sun will be shining so bring the family, grab a hot dog or sausage dog, pizza and more great food while the kids run, play and enjoy the afternoon at the store. They are sure not to forget their fun here – and we all need some fun. It’s a perfect time to stock up on your smoked sausage and hand milled grits for Christmas morning too. Say Hi to my mom Patsy, who will be running a register inside the store!

Map to Bradley’s Country Store:


View Bradley’s Country Store in Tallahassee, FL in a larger map


The Nutcracker

Tallahassee Ballet Presents “The Nutcracker”

Since my girls were young, we have made a date during the holidays to make “The Nutcracker” a part of our Christmas holiday. Both of my girls were dancers since age 4 and 5, and this is our celebration of those years and the “bigger” picture of the ballet at it’s finest! Tonight we will go again, take in the Tallahassee Ballet Orchestra accompanying the 2011 Cast in another great performance.

My oldest daughter is 26, and this is the 26th anniversary of the Nutcracker. This year’s production features Ivan Popov who danced the role of Prince in last spring’s “Cinderella.” Mr. Popov, a native of Russia, trained at the Moscow State Ballet Academy, and the Vaganova Ballet Academy. He’ll perform with his real-life fiancé, Mercedes Schindler. Both dancers are currently with Columbia Classical Ballet.

So, tonight we will visit the ballet, get wrapped up in Christmas and all things imaginative and wonderful. If you have never been to any of the Tallahassee Ballet’s productions check them out here: http://tallahasseeballet.org/ . Make the ballet a tradition!

 

Do your children like to dance? Here’s a List of Dance Studios in Tallahassee, Florida

Tallahassee Dance Academy -*Where my girls danced!

In Step Studio – Multi cultural Dance Studio, Tallahassee, Florida

Dance Electric

Sharon Davis School of Dance

Tallahassee Little Theater

The Dance Studio

Performing Arts Studio of Tallahassee

Hannah Bergstrom’s School of Dance

Killearn Perfoming Arts – Step Dancers

Southern Academy of Ballet

As a Realtor in Tallahassee, it is always fun for me to share with new customers and residents special features of our community. Do you need to know more about Tallahassee, FL? Are you considering a job transfer or relocation to Tallahassee, FL? I will be happy to share our relocation package with you and prepare you for your Tallahassee visit.


Clint Aaron Miller. 03.08.1971 – 12.11.2011

Clint Miller was diagnosed with advanced Stage 3c testicular cancer on February 12, 2011. He fought through respiratory failure, a blood infection, pleural effusion, grand-mal seizures, cyber knife procedures, radiation and more as this cancer spread to his brain. 10 months ago, we had no clue.

Clint Miller was a friend I never met face to face. It did not matter. We knew more about each other than most friends. We knew many in the same circle of friends, we broadened our friendships because of each other. We had a no bullshit philosophy in common and we shoot straight because that is who we are. Clint’s transparent personality was refreshing and at times took my breath away and challenged my mind. We shared laughs, photographs, and phone conversations, but not nearly enough.

3,148 people were connected to @TheRealClint on Twitter. 937 Prayed and shared sentiments, thoughts, jokes, and cried together on Facebook’s Clint Miller (@TheRealClint) Prayer/Support Board. Clint Miller has been a part of nearly every conference I have attended, in the spirit of those mutual friendships, his #WeLoveClint support wrist bands have been reminders of his fight and this fight of others, photographed with family, with friends, on personal journeys and in moments solitude and reflection as a reminder of our friend, and the fight against the evil , wicked killer, cancer. Cancer stole a life, too soon.

If ever you thought that social media has no value, I can only tell you this, were it not for social media I would not have met my friend Clint Miller. I would not have met hundreds of others, chatting across the Nation, and the world everyday with whom I have common threads, common heartaches, and more importantly a common exuberance of life and for living. Clint embodied #PayItForward #LiveNow #OvercomingBullshit. “These are real people you are establishing real relationships with, that you really do touch.” Words to remember by Clint.

Clint Aaron Miller. Husband. Father. Friend. Active Rain Blogger. Twitter Poster – and first male member of the Twitterqueens . I was lucky enough to be the first guest on TQ Radio on Blog Talk Radio, and the second episode (Take a Listen.. such a great episode with Susie Blackmon too.) was Clint Miller described as ” Clint Miller (@therealclint) of Real Estate Client Referrals, blipmeister extraordinaire and just a plain nice guy.” I learned so much from Clint. Truly…. Inspiration to Others. Fighter For The Cause To Just Do The Right Thing.

I end this post with a challenge, a renewed  spirit, but a more careful walk. #WeLoveClint

To the Miller Family, know this, you have a legacy, many gifts to share still, all formed by a one of kind man who gave us all something to take away from his life.

I Will Rise, RIP Clint Miller  No More Sorrow, no more pain. Rest In Peace, My friend Clint Miller.

 

 

 


Tallahassee, FL is about community and it’s a community about family and friends. I missed the festival of lights this year, so I thought it would be amazing to see it through the eyes of our community. Take a look at the amazing videos, photos, and more that I was able to find on the Winter Festival and happenings around Tallahassee, FL!

First, there is an amazing video recapping 25 years of the Winter Festival made by the City of Tallahassee – Look close, you may see someone you know, I did! Here’s the link: http://www.talgov.com/parks/winter/index.cfm

The Countdown to the Lights of Downtown Tallahassee Winter Festival 2011:

Watch as Amwat Movers ready their float and captured great pictures from the Winter festival of Lights Parade:

How About a Drum Solo?  This guy ROCKS the Drums at the Tallahassee, FL Winter Festival:

How about a Patriotic themed Holiday Light Show the Southwood Plantation Community?

Like Trains? Amazing Model Train Display:

 

All this has made me want to go shoot some video – How about you? Post your video on You tube, not only will I “Like” it, I will post it here on this blog and share it with all those who love and want to know more about Tallahassee, FL!

Thinking you like what you see? Thinking you would want to relocate to Tallahassee, FL? Thinking of Tallahassee, FL neighborhoods and what home sale prices are like? Think about our Real Estate Team at HomeSalesofTallahassee.com for your real estate needs!

Happy Holidays!


Every now and then, fate brings you gifts. This past week, I spent time getting to know my cousin, who I have not seen in over 35 years. Those were years of our youth, our growth, our history; years that formed who we are today. While it was great to rediscover family history, share stories, visit with her husband and lovely daughter Marissa, the real gift, the highlight of our visit, was a 7 year old, her grandson Kristopher.

Many of you know I have two amazing daughters. Raising my girls was the best part of my life. Their little minds constantly amazed me, their thoughts and questions challenged me, and their perceptions made me examine things closer, and differently.  I was lucky, I didn’t have to help them much with homework,.. they didn’t really need my help, they were so smart. What they did need was enough interest to keep them engaged, challenged and open to sharing. I was lucky, I had a family to help me with raising my girls. Meeting Kris brought all the fun and excitement of those days back again!

When I met Kris, there was an immediate bond, from the first hug, and the first conversations. I saw what I had seen in my children, all over again. Before me was one of the brightest, creative little intellectuals I have ever met. You all know that I am always amazed with talented, creative people and constantly seek to learn what I do not know, but who would have thought I’d learn so much from a 7 year old!  The family stayed with me, so we had lots of time to fill. It’s been a while since I have had little ones, and being  pack-rat I am, I had saved those board games, the ones typical for a 7 year old, like Candyland, Sorry, Battleship. However, I knew immediately, these would not do for this 7 year old. His language, and reasoning skills were far beyond those games, so we pulled out Pente, Othello, and eventually Chess. Yes Chess! ( which he learned immediately!) Kris swiftly beat me at several games, you know.. I was going to take it easy on him at first. that lasted just one game. After that, all bets were off, and at that point it was every man or woman for themselves!

I was lucky being able to spend the better part of a day with Kris in downtown Tallahassee at Kleman Plaza. We visited the Florida Museum of History, talked about and stood with the Seminole Indians and a giant Mammoth. We explored a riverboat deck and a citrus packing plant, we listened to the radio broadcast of President Franklin Delano Roosevelt’s address following Pearl Harbor. We completed a scavenger hunt took a photo beside  a movie poster of Alec Baldwin,..who he resembles, only pint sized. From there, we explored the Mary Brogan Science Museum learning how sound travels, about weight distribution and gravity. We walked through and art show and saw a jacket made of staples, millions of them.. and we both wondered why that was art. We watched two 3-D movies at the IMax theater about the filming of an African safari, and lastly Puss N Boots – the highlight of the day. Tallahassee, Florida has a lot to offer kids from museums, science, recreation to nature.

More than the games, there was the conversation and the amazing depth of compassion for others, and his inherent understanding of the literal and the figurative, of reality and of creativity. Kris probably doesn’t realize at his age the potential he possesses, but I do. I wonder do his teachers know, do others notice or take the time to explore and uncover the layers of his personality and knowledge to get to his core. The possibilities for Kris are wide open. Will our world be big enough for him, will our society value his offerings? Those are the questions I have and was left with as he traveled home.  I can only hope so. He is our future, and the future is bright! I can’t wait for Kris to return to Tallahassee and our next big adventure!  Debbie and Kris’s Big Adventure



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