Seven Deadly Credit Score Sins

John Ulzheimer, president of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, is an expert on credit reporting, credit scoring and identity theft.

Formerly with FICO, Equifax and Credit.com, Ulzheimer is a rare editorial source -- a recognized credit expert who actually comes from the credit industry.

He often references in his writings t...he "Seven FICO Deadlies," credit score deflating actions, but only recently identified them in one consolidated list.

Your credit score, from about 350 (poor) to 800 (excellent) is a numerical rendition of your credit report. The higher your score, the more likely you'll get approved for credit and the more likely you'll get the best rate and terms. Negative actions posted to your credit report, take a bite out of your credit score. 

 

 Here's what Ulzheimer says are the seven worst things you can do to your credit score. And speaking of "seven," that's how many years these black marks can stay on your credit report.

•Deadbeat behavior. Frequent, significant and late payments 30 days, 60 days, 90 days late. Don't believe a 30-day-late payment won't hurt. It may not ruin your credit but it's not helpful and can remain on your report for years.

•Collection activity. When the lender gets tired of your deadbeat behavior it will call out the dogs -- a third-party collection agency. The collection agency will report collection activity to the credit bureaus and again, seven years of bad luck.

•Charge offs. If the lender gives up on your collection case, acknowledging you'll never pay the bill, it charges off the debt and puts your credit report on notice for seven years.

•Public recordings. Bankruptcy, tax liens, judgments and the like are killers for your credit rating. Judgments are good (or, from your viewpoint, bad) for seven years, even if you pay them off. Bankruptcies can dog your credit report for 10 years and unpaid tax liens never go away.

•Settlements. If you pay a portion of a debt to your lender in a settlement, say a some of the mortgage in a short sale, you can get a settlement notice on your credit report card for seven years. Credit cards and other debts, likewise can be settled, with negative impact to your credit report.

•Foreclosures. If you can't or won't pay your mortgage the lender will eventually foreclose and relieve you of your home. Another seven year negative notification will drag down your score. The same applies when you give the home to the lender in a deed-in-lieu of foreclosure.

•Repossession – When you don't pay your vehicle loans a bounty hunter will be coming your way. He or she is not coming after you, but your vehicle, and that's often without notice, after you've been dunned for a while. It's all legal. The repo man can take your property down and your credit score will follow.

Written by Realty Times Staff

Five Ways Bargain Hunting for Homes Can Backfire

It's natural to want to save money when you're making a purchase as large as a home. You want to buy the best home in the best neighborhood at the best price, and to do that, you may think you have to shop in the bargain bin.   

FSBOs (for sale by owner,) foreclosures, and short sales aren't as plentiful as equity listed homes -- homes listed with a real estate agent by the seller. You may even scour the MLS (multiple listing service) for signs of desperate sellers, such as homes priced AS-IS, or homes that have been on the market for months. 

While some people are successful buying a bargain basement home, you may not be so fortunate, if you put price first. Here are five ways a low price can backfire on you: 

The home doesn't suit your needs. A home is a good buy only if it suits your family's needs for space, features, comfort, and function. If you buy a home without enough bedrooms or baths, it's not as comfortable or functional. 

A bad fit costs you later. To get out of a home that's too small, too old, or too far from where you need to be, you'll likely to pay more in transaction costs to sell the home and buy another than if you'd chosen more wisely in the first place. 

Bargains are rare. If a home is priced lower than others in the area, there's a reason. Sometimes bank-owned home will appear to be a bargain compared to other similar nearby homes, but you may notice a real difference in the way it's been maintained. It's not much of a bargain if you find out that all the appliances have been stolen or all the copper wiring has been pulled out of the walls. 

The home needs updating. A home priced below market value usually requires expensive repairs or updates. Are you willing to perform the work or pay someone else to do the work? Any remodeling you do will be at today's prices. Before you buy, get a home inspection and then talk to professionals who can help you bring the home up to today's standards. 

You lose ground trying to lowball the seller. Just as you want the home you buy to appreciate in value, sellers purchased their homes as investments, too. They want to net as much as possible, because they've already taken on the risks of buying and maintaining a home. That makes sellers less willing to negotiate on homes that are well priced and well maintained. 

If a home has been on the market for a long time without a price reduction, there's usually a good reason. You have an unmotivated, unrealistic, or upside-down seller, any of which could waste your time unmercifully. 

An unmotivated or unrealistic seller simply won't negotiate to your level. For example, for-sale-by-owner homes are typically priced the same as listed homes, even though the sellers aren't paying real estate agent commissions, including for your agent, if you have one. Why would you pay the seller not to represent your interests?  

Furthermore, a bank foreclosure or bank-approved short sale could take months to close. What if interest rates go up before you close? You may get the home at a bargain price, but the savings could evaporate in higher interest payments. 

Right now, home prices are still below previous market highs. Mortgage interest rates are hovering near historic lows. And inventory levels are improving in most areas. 

Under these circumstances, you're buying a home at a bargain already. The best strategy for today is not to try to beat the seller down, but to offer a fair price for the home you think is best for your household. 

Written by Blanche Evans

Semantics Won't Avoid Liquidated Damages Limit

Written by Bob Hunt on Tuesday, 21 October 2014 12:28 pm             

If it walks like a duck, and quacks like a duck … You know the rest. Common sense tells us that you can't change the nature of a thing simply by deciding to call it something else. In at least one situation (Allen v. Smith et al.) a California Court of Appeal seems to agree with common sense.

The issue at hand was an attempt to circumvent California's statutory 3% limit on liquidated damages in a residential purchase agreement.  

Liquidated damages are an amount that contracting parties may in advance agree to be the measure of damages that would be suffered should there be a default. Thus, if there is a default there will be no need to prove how much the injured party has been damaged. The amount will already have been agreed upon.

 

Liquidated damages provisions are commonly used in residential purchase agreements. When buyer and seller agree that the deposit (and sometimes a second, increased deposit) will be subject to liquidated damages they are saying that, should the buyer default, the deposit amount is the damages amount that will be owed to the seller. California Civil Code section #1675 generally limits the valid amount of liquidated damages in a residential purchase agreement to 3% of the purchase price. This limitation is specifically stated in most residential purchase contracts. 

Sometimes sellers want to be able to exact more from defaulting buyers than the 3% liquidated damages limit; and sometimes their agents can get creative in trying to help them do so. That is what happened in Allen v. Smith, and the court didn't like it. 

Allen submitted an offer to the Smiths to purchase their Rancho Santa Fe home for $1,775,000. With the offer Allen submitted a $20,000 deposit along with an agreement to increase the deposit by $33,250 after the removal of inspection contingencies. The entire $53,250 (3% of the purchase price) would be subject to the liquidated damages provision. 

The Smiths wanted to receive a larger amount, specifically $100,000, if Allen were to default. In order to get around the 3% limit the agent wrote this in the counter offer: "Buyer's increased deposit to be $80,000 -- total deposit of $100,000 to be released to seller as non refundable purchase option monies." (Italics added by the court.) But nothing in the counter offer changed the general nature of the purchase agreement. No option period was specified. No manner of exercising the option was indicated. Both parties still had the same mutual obligations that they had under the original offer. 

Allen agreed to the counter offer, the deal went forward until, you guessed it, Allen defaulted. Naturally, the Smiths held on to the $100,000, so everyone went to court. 

Allen, or Allen's lawyer, said that the Smiths shouldn't be able to keep the full $100,000 because they had "sought to circumvent the policy of the law concerning liquidated damages in residential sales contracts through a sham mechanism in which [they] labeled the deposit monies falsely as option monies."

The San Diego County Superior Court agreed with the Smiths and let them keep the $100,000 "nonrefundable option fee"; but the Fourth District Appellate Court disagreed. On examining the contract they found that it had none of the characteristics of an option, except for the reference to the deposit amount. For that reason the court agreed with Allen. It allowed the Smiths to keep the $53,250 (3% of purchase price) but required that the rest be returned, along with Allen's court costs.

There were other issues in Allen v. Smith,and I have presented a simplified version here in order to keep focus. Still, a general lesson emerges. While creativity may be an admirable quality in real estate agents, be careful when it extends to attempting to change reality.

Bob Hunt is a director of the California Association of Realtors®. He is the author of Real Estate the Ethical Way.

Direct Link to RealtyTimes Agent Advice

Arthur Rutenberg Homes - Luxury Home Builders

Have you been looking for a luxury home or 2nd home close to the beach, plus 5-star amenities? 

Arthur Rutenberg Homes are now building along the coast!  They have 60 years of experience in building luxury homes at affordable prices.  Their style of home is "open living" which offers a large, open living area great for entertaining.  One of the most magnificent details of an Arthur Rutenberg home is the 90 degree pocketing, sliding glass doors that line the living area and open to enjoy outdoor/indoor entertainment!  A detail so stunning and sure to be enjoyed on a brisk October night in Florida.

The Coquina plan is a popular floor plan offering 2,479 sqft of LA and 3 bedrooms, 3.5 bathrooms plus a den perfect for a home office.  The gourmet kitchen would suit any chef and the large breakfast bar allows for extra seating. 

The high ceiling give the great room an open, airy feeling which leads to the master suite which encompasses the West wing of the home.  With a private luxury bathroom with a spa-like garden tub and separate, tiled-glass shower and double vanity all with high-end finishes.  The spacious master bedroom offers access to the outdoor living area as well. 

 

 

 

Wild Heron offers 5-star amenities which include secluded living areas with appropriate beautifully maintained landscaping, fully equipped fitness center with Lake Powell view, Prospect Point pool and hot tub, boathouse with canoes/kayaks, boathouse deck with stone fireplace and tables for dining, boardwalk along Lake Powell, fire pit, nature trails and sidewalks. Lake Powell is a treasure and is the largest Coastal Dune Lake in North America.  Wild Heron is close to Pier Park Shopping and about 15 minutes away from the new Northwest Florida Beaches International Airport.  Located on the desirable West end which offers quick access to 30A and Destin.

Another unique feature of Wild Heron is the acclaimed Shark's Tooth Golf Course!  There are Social Membership to the Club that includes the renowned Watersound Beach Club on 30A.  Luxury living only given by Arthur Rutenberg Home Builders.

Prices are starting in the low $400,000 (excluding the lot).

Here are additional details and photos of a few Arthur Rutenberg Homes that are available in Wild Heron now.  Click Here to go view all listings at once.

For more details please contact me! 

Happy Halloween!!

 

It's a Spooktacular Day!!

Fall is among us and Halloween is here!  As you prepare to dress your little ones up remember to keep safety in mind.  Here are a few Halloween Safety Tips to know:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Looking for Something Scary Fun?

Panama City Beach 

Trunk-or-Treat

Date: 10/31/2014
Time: 5:30 - 7:30PM
Hosted by Gulfview United Methodist Church. Free hot dogs, chips, drinks, and LOTS OF CANDY in a safe environment.
Contact Number: (850) 234-2889
Location: Gulfview United Methodist Church

Mall-O-Ween

Date: 10/31/2014
Time: 6:00 - 8:00PM
Free to the public. Families are invited to return to Pier Park on Halloween for "Mall-O-Ween," a free,center-wide trick-or-treating event.

Location: Pier Park

30A

2nd Annual Rocky Horror Picture Show Movie + Costume Party

What:  2nd Annual Rocky Horror Picture Show Movie + Costume Party
When:  Friday, October 31 @ 6:00 pm
Where:  Redd's Fueling Station
2320 W County Hwy 30A
Santa Rosa Beach, FL 32459

Trick-orTreat @ Gulf Place

What:  Trick or Treat
When:  Friday, October 31 @ 4:00 pm - 5:30 pm
Where:  Gulf Place
Town Loop Center
Santa Rosa Beach, FL 32459

Description:  The Merchants of Gulf Place will host a safe and fun trick-or-treating event Friday, October 31, 2014, from 4:00 PM – 5:30 p.m. The merchants will be handing out treats to children dressed in costumes. Children accompanied by adults can visit the stores at their own leisure.

Trick-or-Treat

What: Trick or Treat
When: Friday, October 31 @ 4:00 pm
Where: Seaside
Scenic Highway 30A
Seaside, Florida 32459

Description:  It’s time for little ghosts and goblins to Trick or Treat with the Seaside merchants.  Then hop on the haunted hayride for spooky stories by The Rep.

 

Daylights Savings Time, November 2nd

Spring Forward; Fall Back!

I's that time of year again where we are pushing our clocks back an hour to gain extra day light. 

So don't forget to change your clocks.  But just in case you do there are a few tricks to remember if you get confused.

 

1. Most computers and cell phones will automatically change the time as long as your device is set to the right time zone.

 

2. If in the US, turn on the TV or the radio and wait for the time to be displayed or turn to a news channel.

 

Change your clocks on all time-telling devices such as:        

•watches

•microwaves/ ovens

•alarm clocks

•clocks in cars

•wrist watches

•any other gadget with a clock/watch on it

 

I'm looking forward to the extra hour in the day.  How about you?

 

Fun Fact : Did you know?

Most areas of North America and Europe observe daylight saving time (DST), while most areas of Africa and Asia do not.

More info:  Wikipedia Link

 

3rd Qtr Market Update for Hwy 30A and Panama City Beach

Here are the Market Updates for Hwy 30A and Panama City Beach. 

If you are in the market to buy or sell, call me for a Market Analysis or the Best Buys!

11 Things You Can Do This Weekend for Under $100 to Upgrade Your Bathroom

Written by Jaymi Naciri

If your bathroom is old, ugly, dirty, or disorganized, you don't have to live with it. And you don't have to overhaul it either. Small changes and small bills can help you love your bathroom again. Here are 11 ways you can make it happen.

1. Change your lighting... or at least the glass
A lighting update can bring a fresh, new look to your bathroom. But if you're not an electrician or if what you want is too pricey, new glass shades can breathe new life into old fixtures. You can find a variety of styles at Home Depot and Lowes priced between $4 and $20 apiece.

2. Paint your cabinets
Who says you have to stick with the medium wood grain look you were handed? Grab some sandpaper and your favorite color and transform it. If your cabinets are brown, you may want to go white for a classic look that never goes out of style. Or, adopt a trend and bring gray or blue into your cabinets for a modern touch.

 

3. New towels and bath mats

It seems like an easy fix…because it is. Talk about minimum effort, maximum reward. If you can drag yourself to a Target, Macy's, Bed, Bath and Beyond, or, our favorite for items like this, Tuesday Morning, you can simply and inexpensively revamp your bathroom and give it an updated, plush feel.

4. Change your showerhead
You can change out a showerhead for under $20, but for a bit more, you can transform your shower into a spa-like experience. The Delta In2ition has a showerhead and hand shower and is just $79.

5. New vanity
Yes, you can get a new vanity for under $100. This version from Home Depot comes in a few colors (we're partial to the white) and has an engineered composite top that resembles stone. It's a quick and easy way to modernize a powder bath. Or, bring in a pair for a smaller guest bath.
 

6. Organize it

It's often what's inside the drawers and cabinets that makes the bathroom unappealing. You might have enough space - you just need to use it right. An organizer with drawers is one of our favorite items for keeping everything tidy inside the cabinets. For makeup drawers, measure the length and width and then mix and match a series of plastic organizers.
 

7. Tile it

Peel and stick tile continues to be one of our favorite things. Inexpensive and easy to use, it can help you quickly and easily transform a space. If you don't have a wall suitable for tiling in the bathroom, you can bring new interest to the room by tiling around the perimeter of your bathroom mirror.

8. Paint the door
It's often overlooked, but your bathroom door can become a focal point when painted in a bold or complementary color. Get some ideas on Houzz.
 

9. The right lighting

Experts recommend sconces at the side of a bathroom mirror instead of lighting over the mirror. It creates fewer shadows and is optimum for shaving and applying makeup. But even if the placement of your lighting isn't changeable, you can still adjust the brightness level by making sure you have the right bulbs.

"In the master or guest bathrooms, use fixtures that provides 75 to 100 watts' worth of illumination," said Forbes. "You can get these wattage equivalents in a 24- to 26-watt compact fluorescent or 20- to 25-watt LED."

10. Create some ambiance
Candles in clusters around the tub are a given. But you can create an inviting bathroom with other special touches as well.
 

A few pieces of inexpensive wall art in your design style, a unique scent diffuser, and a duo of decorative hand towels is all you need to create a more pulled together space.

 

11. Scrub-a-dub

If you're not inclined to buy anything or change anything, you can still make an impact on your space. Put your gloves on, get your bleach out and clean that sucker. You'll kill off any lingering germs, and make it smell and look good.

Direct Link to Article

Seller's Advice: Spend a Little, Raise The Price a Lot

Your real estate professional is probably advising you to declutter, stage your home, plant new flowers, and make numerous repairs and updates. You may be reluctant to get started because of the costs, but according to home valuation site HomeGain, improvements like these can actually make you more money when you sell your home.
Under HomeGain's Tools for Sellers, you can find the Home Sale Maximizer tool, where HomeGain has identified the top 10 home improvements under $1,500.

These add the most to home sellers' bottom line, and are recommended by over 600 real estate professionals across the nation. The top 10 home improvements are listed by the greatest return on investment (ROI):

Cleaning and de-cluttering ($290 cost / $1,990 price increase / 586% ROI)
Lightening and brightening ($375 cost / $1,550 price increase / 313% ROI)
Home staging ($550 cost / $2,194 price increase / 299% ROI)
Landscaping ($540 cost / $1,932 price increase / 258% ROI)
Repairing electrical or plumbing ($535 cost / $1,505 price increase / 181% ROI)
Kitchen and bathroom ($1,265 cost/$3,435 price increase/172% ROI)
Replace or shampoo carpets ($647 cost/$1,730 price increase/169% ROI
Paint interior ($1,012 cost/$2,112 price increase/109% ROI)
Repair floors ($931 cost/$1,924 price increase/107% ROI)
Paint exterior ($1,467 cost/$2,222 price increase/51% ROI) 

When you put in your zip code, your results may vary from the survey results, but what's interesting is how consistently the surveyed listing agents recommended the same home improvements. Nearly 100% of listing agents recommend cleaning and de-cluttering, while 97% recommended lightening and brightening and 80% recommended staging. These top three categories cost just a little over $1,000, yet netted sellers $5,734 at closing. 

One hundred percent of HomeGain real estate agents recommend painting the interior and cleaning the carpet and ninety-eight percent recommend decluttering., but you may be surprised to learn that the top three money-makers in terms of ROI aren't necessarily what agents most often recommend.

Cleaning and decluttering: Remove personal items; wash and clean all areas inside and outside of house; freshen air; remove clutter from furniture, counters and all areas of the home; organize closets; polish woodwork and mirrors, etc.

Home staging: Add fresh flowers; remove personal items; reduce clutter; rearrange furniture; add new props or furniture to enhance rooms; play soft music; hang artwork in walls, and more.

Lightening and brightening: Open windows; clean windows and skylights inside and outside; replace old curtains; remove other obstacles from windows that block out light; repair lighting fixtures; make sure windows open easily, among other suggestions.

It's all about first and favorable impressions. It takes money to make money, but it doesn't have to take a lot. It's the return on investment that's important. 

 By Blanche Evans

Click Here for Direct Link


October 2014 Real Estate Update
Copyright © 2014 Realty Times. All Rights Reserved.

Are Home Warranties & Service Plans Worth the Cost?

 

Extended warranties, or service plans, offer consumers longer terms of coverage on service repair and replacement for their home's appliances than the standard out-of-the-box warranty from the manufacturer.

 

These warranties are highly profitable for retailers, as they deliver 50% profit, but they also run up the total cost of your washer, dryer, or refrigerator by as much as $118, according to Consumer Reports.

 

Are service plans actually worth it? You can argue the benefits both ways.

 

In the fast-paced world of home electronics, future technology will far outclass today's products by the time the extended warranty expires. Digitaltrends.com states that household electronics have seen great improvements in product reliability, making the price of most extended warranties about the same as a repair bill. The same is true with most appliances today too.

 

Consumer Reports data concludes that products "usually don't break during the two-to-three-year period after the manufacturer's warranty expires and the service plan is in effect." And if they do break, the repairs, on average cost only $16 more than the service plan. Most defects will reveal themselves within the first year of use, while the manufacturer's warranty is still good.

 

If you're tempted to buy a service plan, follow this rule -- the cost of the warranty should be no more than 10% of the purchase price. That said, extended warranties should be purchased for some items, including those that are difficult to repair or high-priced items that would be painful to replace.

 

Or you could buy a home warranty for about $500. Explains Amy Hoak, correspondent for MarketWatch,  "A home warranty is a service contract that commonly covers the repair or replacement of your home's appliances and systems, including your heating and air conditioning systems."

 

No matter which appliance breaks, you make one call and the service plan call center dispatches the appropriate repairperson. The problem is that service providers pay for these leads, which means they make less money, so be prepared to be upsold to a "cleaning" or more expensive repairs.

 

In addition to the annual fee, you'll also pay a $60-$75 service fee when a contractor is dispatched to your home.

 

Home Warranties are ideal for rental properties and as incentives for homebuyers, and they come in handy when multiple appliances break down, saving an average repair bill of $840 or a replacement at an average of $1,200, says Hoak.

 

Ultimately the choice and risk are yours to assume. Extended warranties or home warranties can be worth the cost in terms of peace of mind, but only if it's for a product you don't intend to change for a few years.

 

And if you decide to skip the warranty, be prepared to shoulder the cost for assessment (service calls), repair (time in labor plus parts) and shipping.

 

Consumerreports.org says you shouldn't have to pay extra to get manufacturers or retailers to stand behind their products, but sometimes, you have to. If you have older products and systems, a home warranty may be your best bet.


Written by Blanche Evans

How to Improve Your FICO Scores Quickly!

With mortgage interest rates hovering near record lows, you may want to either refinance your mortgage or purchase a new home before rates go higher again. 

 

The question is -- can you qualify for refinancing or a purchase loan?

 

Since the recession, lenders have tightened loan qualification standards and their most widely used tool to determine if you qualify for a loan and at what interest rate are your credit scores. Credit scores are determined by a software algorithm that analyzes your credit and payment history.

 

These "FICO" scores run between 300 and 850, with the highest numbers considered to be the best scores. The 47% of Americans with credit scores of 720 or higher receive the best interest rates, according to MyFICO.com.

 

Credit scores make a significant impact. For every 20-point credit score increase, according to Zillow, the average low APR declines 0.12 percent, a savings of $6,400 on a $300,000 home over 30 years.

 

Improve your credit scores

 

FICO scores are based on your credit history. Each credit reporting bureau, Experian, TransUnion, and Equifax calculates its own score, so you may have three scores.

 

The first thing you need to do is review your credit reports for errors and get them resolved as quickly as possible. Visit freeannualcreditreport.com to get copies. You can then purchase your credit scores for approximately $14.95 from each agency or all three at myfico.com.

 

FICO scores change with every new piece of information that comes into the credit reporting bureau, so the credit score you receive today can be improved quickly by following some dos and don'ts.

Don't close credit card accounts. FICO scores utilize a credit utilization ratio that turns against you because it appears that you might be overusing your available credit.

Don't max out or consolidate credit cards. Credit card companies like it if you only use about 30% of your available credit on your card. You're better off having small balances on multiple cards than a large balance on one card.

Don't apply for new revolving credit or transfer balances. If you're buying a new home, it's tempting to buy some new furniture, but don't open that account until after your loan closes. You don't want "inquiries" to be raised in the scoring algorithm.

Don't change jobs right before you apply for a home loan, although job changes within the same field are considered more favorably in scoring.

Do pay all bills on time and with at least the minimum payment due. Lenders like on time payment histories.

Do pay down your debt, as lower income-to-debt ratios are attractive to lenders. Start by reducing credit card balances first, beginning with the balances that generate the highest interest rates. Revolving credit is considered riskier debt than installment loans such as student loans or car payments.

Do shop lenders simultaneously. Credit score software takes into account several inquiries from mortgage lenders as normal, but if you space rate-shopping out over weeks or months, that could impact your credit score negatively.

Remember, mortgage lenders are most interested in your ability to repay their loan. The most important factors are job and debt payment history. Job security -- long-term employment in the same field and on-time  

Written by Blanche Evans

Back on the Market - 3BD Marisol #604 ~ $347,000

Buyer's financing fell through, so their loss is YOUR Opportunity!

Marisol Condo, formerly known as Grandview at Long Beach, offers only 45 units and underwent major renovations over the last year and presents an unrivaled presence, solid financials, no litigations, and low association dues! The prime location gives you easy access to Hutchison Blvd from Churchwell Dr. The condo is furnished and offers 1,492 sqft of living area with the living room and master suite on the Gulf each with access to the expansive balcony. The condo is all tiled with an upgraded, 18" tile on a diagonal, except for the bedrooms. The kitchen offers ample cabinets, stainless steel appliances, granite countertops, Maytag refrigerator with freezer on the bottom, and a large breakfast bar for extra seating. The spacious master suite is on the Gulf with a bay window and large slider door for breathtaking Gulf views and a large walk-in closet. It also offers a large master bath with a double-granite vanity, Jacuzzi bathtub, and a custom, upgraded walk-in shower with glass slider doors. Plus 2 additional guest bedrooms. Gross rental income for 2013 was $29,922 & 2012 was $29,086 through Southern Resorts.

Other upgrades include:
*Crown molding in the living room & master bedroom
*Custom drapes and blinds
*New 15 SEER A/C unit with 10 yr transferable warranty
*Assigned parking space on the South side

Marisol amenities include a large, seasonally heated pool, fitness center, and a newly renovated lobby area. Don't miss your opportunity to kick up your feet & relax on the private balcony while listening to the sounds of the Gulf and watching spectacular sunrises and sunsets.

If you are looking to finance your beach retreat, Joe Wells with Supreme Lending is offering 90% financing for 1st/2nd home buyers and 80% for investments to qualified buyers.  Please contact Joe directly at 850-896-6541.

For Additional Details & Pictures:  Click to Marisol #604

Fall is HERE! Is Your Home Prepared?

A few housekeeping items just in time for Fall.  With the cooler weather upon us and the days growing shorter, now I the time to make sure your home is ready for cooler weather.  Check out these tips to help get you prepared!

Rare Gulf Front Opportunities on 30A!

Follow this link to see additional details and pictures:
Click to view listing(s)

Contact Cali Wilson for Cost to Own Projections!!

Cali Wilson, Realtor

850-832-1577 Cell

CHardy@TopProducer.com

 

30A Living - One of a Kind

 

 

The Mary Stephens Team's Best Buys

Follow this link to see the listing details:  Click to view listing(s)
*This link will no longer be available after 10/29/2014.*

Cali Wilson  Realtor®    850-832-1577     CHardy@TopProducer.com
Experience has Its Rewards!