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.  Families 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)

 

 

 



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