Buyer's Agent Key West Florida - 08/30/10 02:44 PM
Buyer's Agent Key West Florida

 
I respect you so I listen to you and make sure I respond to any concern that you have. My goal is to help you feel happy, safe and comfortable.  I work for you.  It's my job to do everything I can to give you all of the information that you need to make a decision without influencing you to do something.   I support, serve and provide information so you are in complete control and feel confident in the decisions that you make.   I was a buyer before I was an agent. … (14 comments)

Simply Incredible Story That Really Makes You Think About Life - 08/29/10 02:17 PM
One of my friends sent this to me in one of those emails that your friends forward.  It was so incredible that I had to share this here so I can always come back to it and read it.

Perception and Mind 
THE SITUATION
In Washington , DC , at a Metro Station, on a cold January morning in 2007, this man with a violin played six Bach pieces for about 45 minutes.  During that time, approximately 2,000 people went through the station, most of them on their way to work. After about 3 minutes, a middle-aged man noticed that there was a musician … (19 comments)

Fannie Mae says 30 Year Mortgage The Lowest Since 1971! - 08/21/10 01:57 PM
Fannie Mae says 30 Year Mortgage The Lowest Since 1971!

30 Year Fixed Mortgage Interest Rates 4.42%!  15 year mortgage rates 3.92%!  This is the best time in history to buy or refinance a home.  Most buyers will need a credit score above 640 to qualify for the great rates.
Real estate sales have slowed since the $8,000 First Time Home Buyer Credit and $6,500 tax credit for repeat home buyers expired.  Buyers who currently have contracts for short sale properties that went under contract prior to April 30, 2010 will still qualify for the credit if the sale is … (8 comments)

Buy Owner Up For Sale and in Bankruptcy - 08/21/10 01:28 PM
Buy Owner Up For Sale and in Bankruptcy

Buy Owner filed for liquidation in July 2010.  Buy Owner has filed for liquidation, Chapter 7 protection and declared bankruptcy.
Buy Owner was the 1st stop for millions of sellers across the country.  After shelling out hundreds or thousands of dollars on the Do It Yourself web site most buyers called a Realtor to sell their home the old fashioned way.   
90% of homes are sold with the help of a Realtor.  The other 10% are sold to family members, friends, newspapers or divided between the dozens of online Do It Yourself … (8 comments)

3 bedroom 1 bath home Key West FL - 08/19/10 09:27 AM
3 bedroom 1 bath home Key West FL


 

 

1721 Washington Street just popped up on the market at listed at $170,000.  This home has never been listed in the mls before.  1721 Washington is not a short sale or a bank owned property.  The listing agent is waiting for the key to arrive in mail.  It will be under contract before she gets the key.  Washington is one of the most sought after addresses in Key West.
1721 Washington Street has 3 bedrooms and one bath.  It sits on a 6,498 square foot corner lot.  It was built … (5 comments)

Wastewater Master Plan Big Pine Key ~ Master Plan ~ Septic System - 08/14/10 12:08 AM
Wastewater Master Plan Big Pine Key ~ Master Plan ~ Septic System
If you live or plan to buy a home on the islands of Cudjoe, Summerland, Little Torch, Middle Torch, Big Torch, Ramrod, No Name Key or Big Pine Key you are wondering if and when you will be hooked up to the central sewer system.
The Florida Keys are known for their unique marine ecosystem.  To preserve the marine ecosystem the State of Florida mandated that nutrient load levels be reduced in the Florida Keys. 
The Sanitary Wastewater Master Plan or "Master Plan" was finalized around the year 2000.  The … (4 comments)

GPS Spots Diving Shipwrecks Key West Florida and the Florida Keys - 08/13/10 10:34 PM
GPS Spots Diving Shipwrecks Key West Florida and the Florida Keys
The Florida Keys are known for their spear fishing and deep sea fishing.  If you are visiting the Florida Keys or are calling the Florida Keys home or want to make the Florida Keys your home then you'll need to know the coordinates for all of the best shipwrecks for spear fishing and deep sea fishing.If you are looking for a good spot to spear fish either free diving or with tanks then www.Florida-Keys-Fishing.org/Florida-Keys-Wrecks-GPS.htm   You'll find the GPS coodinates for great spots to find shipwrecks and reefs in the Florida Keys. 

… (1 comments)

Septic Tanks and Sewer System Big Pine Key Florida - 08/13/10 10:03 PM
Septic Tanks and Sewer System Big Pine Key FloridaIn Monroe County, and on the islands of Cudjoe, Summerland Key, Little Torch Key, Middle Torch Key, Ramrod and Big Pine Key then hooking into the state mandated central sewer system is a legitimate buyer concern.  A plan to bring a central system to No Name Key (NNK) has not been established as of August 2010.
If you are a buyer or a buyer's agent and are considering a property with a septic tank the first thing to do is to go to www.SepticSearch.com.  The Department of Health is in the process of scanning septic … (3 comments)

Dumpster Diver Discovers "Lost" Short Sale Files - 08/13/10 03:31 PM
WAMU short sale story!
Via Ralph The Real Estate Dog:
  

Jacksonville, Florida- Daniel "Dino" Odum, part-time Ferris Wheel operator, flea market vendor and former Realtor® loves to hunt for dumpster treasure. This past Friday was no exception.While walking past what appeared to be a stuffed-to-capacity dumpster at the Bay Meadows Washington Mutual building, Odum caught the glint of something "shiny" out of the corner of his eye and decided to investigate.As Odum approached the dumpster and slipped on his leather elbow protectors, in preparation for a quick dive, he spotted what appeared to be a "gently used" tackle box.  A "real … (6 comments)

Bank of America Announces New BFF Program - 08/13/10 03:11 PM
Bank of America in the news again!
Via Ralph The Real Estate Dog:
Charlotte – Bank of America wants to be your new BFF (Best Friend Forever) and is spending $100 million of its first quarter $3.2 billion profit prove it.
In an effort to forestall a run by depositors and improve customer relations, Bank of America has unveiled a ‘themed’ Best Friends Forever program that includes free Disney passes in Orlando, FL, free ice cream in Le Mars, IA, tulips in Holland, MI, cheese in Wisconsin and chocolate candy bars by the bucketful in Hershey, PA.
Customers in Milwaukee are still … (2 comments)

FURNITURE FOR DOG LOVERS - 08/13/10 01:53 PM
Look at this great new product!
Via Faina Reinhardt (RealDealNY.com):
Designed by: Ricardo Casas, Héctor Esrawe, Emiliano Godoy, Cecilia León de la Barra, Óscar Núñez Pack of Dogs is a series of wooden pieces in shape of dogs in different sizes and positions produced by PROTEAK.
ABOUT THE PROJECT: Introduced at the Salone Satelite in Milan, these pieces are based roughly on the shape of a dog, in different sizes and positions. These characters, named after famous Mexican wrestlers (Dos caras Jr, Aguayo, Superastro, El Santo, Alushe and Mistico) follow you around your house or office, and may work as a side table, … (3 comments)

More options for the underwater homeowner: FHA Short Refinance to homeowners - 08/13/10 12:44 PM
Another great program to help homeowners!
Via Anna 'Banana' Kruchten, Phoenix Property Shoppe 602-380-4886:
More options for the underwater homeowner: FHA Short Refinance to homeowners
Owe more on your home than it's worth AND you're current on your existing mortgage?
If eligible, you now have additional refinancing options to help keep your home afloat.
It was announced this past Friday, August 6, that homeowners who owe more on their mortgage than the value of their home could qualify for Federal Housing Administration’s Short Refinance option.
“Starting September 7, 2010, FHA will offer certain ‘underwater’ non-FHA borrowers who are current on their existing mortgage … (1 comments)

Top Producing Real Estate ~ Personality Not Required! - 08/13/10 12:01 PM
Top Producing Real Estate Agent ~ Personality Not Required!
 
It's always nice to work with an ethical, professional agent with a good personality, but it's not necessary to have a good personality, ethics or professionalism to be a top producing agent.  In the short term the only thing that is required is prospecting and price.  In the long term ethics and professionalism may catch up to the agent, but for a long time the agent will be able to tell people they are a "Multi Million Dollar Producer" and print "Multi Million Dollar Producer" and "Top Producer" on their business … (8 comments)

My House Is Not Selling And I Want To Buy Now! - 08/13/10 06:50 AM
Must read information for sellers!
Via Carra Riley CRB, CRS, GRI (Author, Speaker, Consultant, Second Homes AZ LLC):
My House Is Not Selling And I Want To Buy Now!
This is the dilemma I heard from a Broker I was talking with recently who was frustrated with a seller. The seller has an overpriced condo in an area which is not easily accessible from a main street. The seller wants open houses and newspaper ads to ger her condo sold so she can move on to a bigger home.  This sounded to me like a familiar problem.
The broker had given the … (1 comments)

Every Seller Needs To Know, What Sells a house? - 08/13/10 06:47 AM
If you are selling then read this!
Via Carra Riley CRB, CRS, GRI (Author, Speaker, Consultant, Second Homes AZ LLC):
Every Seller Needs To Know, What Sells a house?
There are four variables that sell a house.

1.  Price
 




2.  Terms
 





3.  Condition
 



4.  Location
 
 
All four of the variables go together to create the "perfect sale."  Each aspect must be taken into consideration if you want a property to sell.











1.  Price fixes everything!  … (1 comments)

Caroline Street Key West Florida - 08/13/10 06:00 AM
Caroline Street Key West Florida
I pass this home on Caroline Street everyday as I zip around Key West.  There are a lot of unusual things to see in Key West.  
When my client Danny Hughes was on the island to see his new home for the first time after buying it 2 weeks ago he snapped this photo.  For a moment I realized how quirky Key West is.
If you live almost anywhere else in the United States a bike on the outside of the balcony of a home on the second floor is a little different.  
As … (6 comments)

Putting Zillow To The Test: Day 1 - I signed up as a premiere agent, and our $948.60 adventure begins.... - 08/11/10 01:22 PM
I'll be watching this closely!
Via Ralph Gorgoglione (Relocation Certified -HAFA Certified -John Aaroe Group, Inc.):
Putting Zillow To The Test: Part 1 - I signed up as a premiere agent, and here's my deal......
For those of you that have decided to subscribe to our group called "Putting Zillow To The Test", this is the first post.
What I have done is agree to be the guinea pig for our consumer advocate group to see if Zillow is really "all that".
I went ahead and registered as a premiere agent, and I'm going to post periodic blogs with my results so that … (5 comments)

Top 10 Buyer Mistakes.... - 08/11/10 01:02 PM
This is a great pre-home shopping list!
Via Wilmington NC Real Estate, Homes - Barbara Kornegay (REMAX Essential):
1. SEARCHING WITHOUT AN ACTION PLAN TO BUY   
Buying a home is ranked as one of the biggest personal investments one can make. Being organized and in control will contribute signifi cantly to gettingthe best deal possible with the least amount of stress. Before you can create a plan of action, meet with your REALTOR® to lay the groundwork for your decision making process.
2. FAILING TO GET FINANCIALLY PRE-APPROVED AND SECURING AN INTEREST RATE
It's important to get pre-approved before you begin your … (0 comments)

Advice For Struggling Homeowners - 08/11/10 12:20 PM
KnowYourOptions.com is a great resource for homeowners who need help and want privacy.
Via Stephanie Leon (Avanti Way Realty):
 
As a foreclosure specialist when I come, knocking on the door of homeowners it usually means; the bank is now the owner and you have to vacate the property.  
I feel sad for some of these owners who truly have had a hardship. I often find myself explaining to them, it does not have to get to this point you as a homeowner have options.
That is why I counsel the homeowners in distress who work with me, the choices available … (0 comments)

Louies Backyard Lunch Key West Florida Fun Things To Do! - 08/11/10 11:55 AM
Louies Backyard Lunch Key West Florida Fun Things To Do!
Louies Backyard is around the corner from the Waldorf Astoria's Casa Marina Resort.  It's at 700 Waddell Street in Key West Florida on a beautiful tree lined street surrounded by historic homes a few minutes from the fast pace of historic Old Town.  It's a quiet ocean front historic home with rich dark wood floors, high ceilings, and big windows over looking the ocean.  The very light interior paint has a faint hint of lavendar and pale blue with beautiful art hanging on the walls. 
If you are looking for fine … (6 comments)

Early Voting Key West Florida - 08/11/10 07:09 AM
Early Voting Key West Florida

Early voting for the Primary Election in Key West Florida started on Monday, August 9, 2010 and continues through Saturday, August 21, 2010.  You can vote from 8:30 am until 4:30 pm Monday through Saturday.
Vote for who will represent you in state and local government and in Congress.  Vote and make your sure your voice is heard!
Voting Locations:
Supervisor of Election's office, 530 Whitehead Street, Suite 101, Key West Florida.
Big Pine Key Library, Winn Dixie Plaza,213 Key Deer Boulevard, Suite, Big Pine Key Florida.
Supervisor of Election's office, 490 63rd Street, Ocean 130, … (4 comments)

Credit Scoring Step 4-Dispute, Negotiate or Wait - 08/11/10 12:18 AM

Via W. Darrell Walters - Integrity Mortgage Funding:
Cleaning up your credit is not an easy task, but it is a must for your financial well-being. Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, encourages you to share this video with your clients who might need some basic tips on where to start when it comes to their credit repair, whether they decide to dispute, negotiate or wait. (www.lindaferrari.com) Please visit us next week for part 5 of this 10 part series, Disputing Do's and Dont's. If you enjoyed this post, why not connect with me elsewhere?

… (2 comments)

Credit Scoring Step 3-Creating Your Take Action Plan Checklist - 08/11/10 12:18 AM
Excellent advice!
Via W. Darrell Walters - Integrity Mortgage Funding:
Have you ever seen that look in your clients' eyes when you show them a copy of their credit report? It may seem like Greek to them at first. After watching this video featuring Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, your clients will be comfortable enough to go through their own report and will learn how to create their Big Score Take Action Plan Check List. (www.lindaferrari.com) Visit us next week for Part 4 of this 10 part credit scoring series, Dispute, Negotiate or Wait.
If you … (2 comments)

Credit Scoring Step 2-Get a Complete Picture of Your Current Credit Situation - 08/11/10 12:16 AM
Great advice from a credit expert!
Via W. Darrell Walters - Integrity Mortgage Funding:
Do you find all the commercials and advertisements about free credit reports to be overwhelming? Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, put this great video together for you to share with your clients, to help them learn the three reputable means to obtain a copy of their credit report, and why pulling their own credit is a must! (www.lindaferrari.com) Check back next week for part 3 of this 10 part series, Creating Your Take Action Plan Checklist.
If you enjoyed this post, … (0 comments)

Credit Scoring Step 1-Setting Your Score Goal - 08/11/10 12:15 AM
Your own personal coach to lead you through the process of getting that perfect score!
Via W. Darrell Walters - Integrity Mortgage Funding:
Credit has become a major concern for all consumers today. Linda Ferrari, National Credit Score Expert and President of Credit Resource Corporation, put together this great video for you to set a realistic credit score goal, how long it might take to reach the score goal, what a good score is considered to be and why having one can save you thousands of dollars! (www.lindaferrari.com) Next week, please check out Part 2 of this 10 part series, Get a Complete … (0 comments)

Vandenberg Key West Florida - 08/10/10 10:19 PM
Vandenberg Key West Florida
The red suited Monkey Man is climbing all over the deck of the Vandenberg at 75 feet below the surface of the Atlantic Ocean just off of the coast of Key West.  The red Monkey Man dives from the surface down 75 feet, plays around and gets back to the surface in ONE BREATH!  
Watching these extreme athletes free dive will blow your mind.  The first scene is of the antenna dish at 75 feet deep.
It took 1 minute and 44 seconds for the 524 foot Hoyt S. Vandenberg to sink, perfectly as predicted, on her … (1 comments)

Weather Key West Florida ~ United States Only Frost Free City! - 08/10/10 07:34 PM
Weather Key West Florida  ~ United States Only Frost Free City!
              
The Reach Resort Key West Florida
Key West Florida is the only frost free city in the United States.  The moderate weather is a magnet for snowbirds looking to shake off the cold in their bones, put on a bathing suit and warm their skin in the golden sun under a palm tree.  The breeze from the west and north over the Gulf of Mexico is like a soft whisper.
 
              
Mallory Square at Sunset in … (2 comments)

Key West Florida Real Estate Agent HGTV Vacation Rentals - 08/10/10 04:00 PM
Key West Florida Real Estate Agent HGTV Vacation Rentals

Key West Florida may be a little coral rock island 150 miles from Miami and 90 miles from Cuba in the middle of the ocean, but HGTV and many people around the globe have heard of this quaint, quirky and live and let live haven of artists, pirates and writers.
In April 2010 one of the most loved TV shows came to Key West to film an episode about vacation rentals in Key West Florida.  Vacation rentals are in high demand in Key West Florida and you can make some money … (2 comments)

Short Sale Training Video ~ My Life as a Real Estate Agent! ~ Bank of America Short Sale - 08/10/10 08:13 AM
Short Sale Training Video ~ My Life as a Real Estate Agent! ~ Bank of America Short Sale
Short sales can make an agent want to cry so when I saw this video that is so close to real life that it blew my mind.  For any one who has ever worked with Bank of America on a short sale you will recognize yourself and your Bank of America short sale negotiator.
If I can avoid it I don't work with Bank of America.  When you watch this video about short sales you'll understand why.  The last contract that buyer wrote … (3 comments)

Help Yourself 829 Fleming Street Key West Florida Fun Things To Do! - 08/10/10 12:03 AM
Help Yourself Food Key West Florida Fun Things To Do!
Help Yourself, 829 Fleming Street, Key West, Florida 33040.  On the corner of Margaret and Fleming St.
 
If you are looking for a healthy lunch then you will LOVE Help Yourself!  The fresh strawberry lemonade is the perfect combination of tart and sweet.  The chicken salad wrap has green apples, celery and spring salad.  It is cool, light and tasty.  If you want something hot (temperature) and super sweet the Korean BBQ rice and vegetables might do the trick.  The Divine Bites are luscious little chocolate bites with coconut.  Pure delicious!
 
… (4 comments)

Key West Florida ~ Mid Town ~ 2 bedroom 2 bath - 08/09/10 11:09 PM
Key West Florida ~ Mid Town ~ 2 bedroom 2 bath
JUST REDUCED TO $224,900
 
2315 Patterson Avenue, Key West, FL  33040MLS # 1129462 bedrooms and 2 baths960 square feet3,580 square foot lotPOOL$224,900
This bank owned home is listed by a broker in my office and it's such an incredible deal that I had to put it out there so that my buyers and agents who are looking for great deals won't miss out on a fantastic home at a great price!Wonderful open and airy Mid Town home on the island of Key West.  Cheerful exterior with a lovely pool … (7 comments)

Top 10 Credit Do's and Don'ts During the Loan Process - 08/09/10 10:48 AM
Excellent advice from a mortgage broker.
Via Anita Clark (ColdwellBanker SSK):
Received this from a lender friend of mine at PHH Mortgage.  Thought it was interesting because I probably would have done the opposite on a few of these.
Top 10 Credit Do's and Don'ts During the Loan Process
1.  Don't apply for new credit of any kind.  Including those "You have been pre-approved" credit card invitations that you receive in the mail.  Every time you have your credit pulled by a potential creditor or lender, you lose points from your credit score immediately.  Depending on the elements in your current credit report, you … (2 comments)

DEED IN LIEU - PRESERVATION COMPANY FRAUDULENT BILLS - WATCH OUT! - 08/09/10 10:33 AM
Some preservation companies have Less than honorable business practices .
Via Richard Zaretsky, Florida Real Estate Attorney (Richard P. Zaretsky P.A. - Bd Certified Real Estate Attorney):
I just can't get a day of rest! One of my clients had a rotten experieince this week with a home inspector.
REDC, the California company that does default solutions and auctions for lenders, has gotten a nice niche for doing home inspections for lenders just prior to the lender accepting and filing a deed in lieu of foreclosure.  They hire local inspectors and contractors to review the interior and exterior of the home and make … (0 comments)

Are You Show-Ready? - 08/09/10 10:22 AM
If you are a seller you need to read this!
Via Tom Branch, Broker, CDPE, SFR - 214.227.6626 (RE/MAX Dallas Suburbs):
We were out showing homes and began wondering why so many occupied homes are not properly prepared for showings. The sellers knew we were going to show their home several hours in advance and yet most of them were not "show-ready" when we arrived.
What is "show-ready"? Here's a little background before we answer the question.
Homes sell on either emotion or price. Homes that create emotion with buyers sell faster and at a higher price. Many sellers hire a professional stager … (0 comments)

The Story of the Closet - 08/09/10 08:31 AM
Let the buyer and agent look!  No one could have explained this better than J. Philip Faranda.
Via J. Philip Faranda (J. Philip LLC) Westchester County NY:
I'm going to indulge in one of my real estate pet peeves. Thanks in advance for your patience. 
Imagine you are buying a car. You sit in the driver's seat, smell that indelible new car smell, and the sales associate dangles the keys in front of you as you prepare for a test drive. Then, just before you put the key in the ignition, the salesperson begins a 5 minute soliloquy on the glove compartment. After enduring that … (2 comments)

Lurkers, Lookers, and Other People Mom Never Warned Me About - 08/09/10 07:38 AM
This is the most accurate analysis of the market that I have read!
Via J. Philip Faranda (J. Philip LLC) Westchester County NY:
Chances are that if you are selling a home that has been on the market any length of time, you've had your share of showings. If you haven't sold yet, you might wonder what all those people who passed on your home eventually bought. I've got news for you: a huge percentage of them aren't buying anything anytime soon. They are working with an agent, they may be pre approved, but they might be a months or a year away … (5 comments)

Fannie Mae Know Your Options Key West Florida - 08/08/10 06:31 PM













Fannie Mae Know Your Options
 
If you need help don't wait for the Sheriff or a Realtor to come knocking on your door.  You have options and you have choices.  You may be able to keep your home or you may be able to sell your home and preserve your good credit.  Go to www.KnowYourOptions.com to see what option works best for you, your family and your situation.
www.KnowYourOptions.com is a new web site Fannie Mae just launched to help homeowners understand their options.  When you log on the … (5 comments)

Short Sales Key West Florida ~ $5.84 per hour - 08/08/10 03:16 PM
Short Sales Key West Florida

Short sales are a gift of love.  Short sales could be described as charity work.  Short sales are always hard work and time consuming.  My first short sale took 9 months to approve and we went through about 40 showings to get 6 buyers.  With each buyer we submitted a new 80 page short sale package.  Six 80 page short sale packages total.
I talked to an agent today that sells $40,000 short sale condominiums.  If I were an agent working on a $40,000 short sale the compensation would have been $324 or $1.19 an … (7 comments)

FHA Loans Key West Florida - 08/08/10 02:11 PM
FHA Loans Key West Florida

FHA loans, which is short for Federal Housing Administration, are available in Key West Florida.  You can get an FHA loan for a primary residence which means your full time home.  FHA will finance a duplex or multi family complex, condominium or town home.  You can also refinance your home with an FHA loan.
FHA charges a 2.25 funding fee (as of April 2010).  The FHA funding fee can be rolled into a mortgage.  The required down payment for an FHA loan is 3.5%.  The mortgage insurance premium for an FHA loan is .9% (August 2010) and could be … (0 comments)

3 bedrooms 2 bath Big Pine Key FL - 08/08/10 01:12 AM
3 bedrooms 2 bath home Big Pine Key FL
** Bank of America short sale **
30590 14th Street, Big Pine Key, FL  33043MLS # 5523693 bedrooms, 2 baths1,680 square feet47,480 square foot lot (over an acre)  $249,000built in 1995
This property is listed by a broker in one of our offices.  It's such great home on an incredible sized lot that I wanted to make sure buyers and agents didn't miss out on a fantastic opportunity!This super clean and move in ready home has a metal roof and hurricane shutters to hlep you get the maximum mitigation discounts on your … (8 comments)

3 bedroom 2 bath ~ Mid Town Key West FL - 08/07/10 11:52 PM
3 bedroom 2 bath ~ Mid Town Key West FL
2105 Forgarty Avenue, Key West, FL  33040MLS # 113305$234,0003 bedrooms and 2 baths1,294 square feet5,000 square foot lot
This is a bank owned property that is not my listing, but was so exciting to see pop up in the mls that I almost jumped out of my skin when I saw the price.  This is a lot of home in Mid Town for the money.
Steal of the century!  This gorgeous Mid Town home went on the market and I held my breath.  $234,000 is a give away price.  It will … (6 comments)

Credit Report ~ Improve Score - 08/07/10 06:36 AM
Credit Report ~ Improve Score

To improve your credit score start by getting a copy of your credit report.  Your credit score will not be on this report or the report you get directly from Equifax, TransUnion or Experian.
Your credit report will give lenders and creditors a picture of who you are.  It contains information about bancruptcy filings, how you pay your bills, how you spend your money, how you manage the credit you have been given, criminal history and law suits that are pending or have been settled.  A bankruptcy can stay on your credit for 10 years.  Judgments, laws … (6 comments)

Best Birthday Present Ever - 08/07/10 05:17 AM
My birthday is coming up in a few days and I got my first birthday present!  It's the best present ever!  
I'm a really simple person and I don't need a lot of stuff.  I have everything I need and want so the only thing I really like for my birthday is to have dinner or do something fun with people I love.  
I get a lot of presents from people that are things that I can't use or don't need.  I try to find homes for those things, but I feel like I'm giving away a part of … (8 comments)

Sandy's Cafe 1026 White St Key West Florida Fun Things To Do! - 08/06/10 05:14 PM
Sandy's Cafe 1026 White St Key West Florida Fun Things To Do!
Cafe con leche is a morning staple for Key West conchs.  Sandy's Cafe has delicious coffee and breakfast too.  Lunch is great too!  I love the grilled fish, the chicken, beef or fish tacos and the picadillo.  
Sandy's Cafe is a pretty simple place on the street side of a laundry mat.  The address is 1026 White Street in Key West Florida.  The seating consists of 5 bar stools on White Street.  If you come from a fancy place you may turn up your nose at one of … (2 comments)

Inspection Picture of the Day - No Trap, Rust and lots of ..... Stuff - Home Inspection in Austin, Texas - 08/06/10 03:33 PM
Clean in the areas that are hidden and prepare for the home inspection!
Via Andy Chaudoir (Professional Inspection Services - Georgetown, Texas):
Inspection Picture of the Day - No Trap, Rust and lots of ..... Stuff from a Home Inspection in Austin, Texas
In the course of my duties as a Home Inspector I run into lots of Stuff!  One thing I have to contend with on most every inspection I conduct is clutter.  And, one of the most popular places for clutter is under the sinks. 
I don't know why but these secluded spots are most often overlooked when people decide to sell … (6 comments)

Key West Florida ~ What To Do This Week ~ Fun Things To Do - 08/06/10 01:44 PM
Key West Florida ~ What To Do This Week ~ Fun Things To Do 
La Te Da ~ for lunch Monday through Friday!
La Te Da has a local's lunch Monday through Friday from 11:30 am to 3:00 pm.  Lunch is $8.50 and includes a soda.  You get a choice of a fish sandwich, triple french dip, hamburger, classic caesar salad, chicken sandwich or spagetini pomodoro.  La Te Da is at 1125 Duval Street, Key West, Florida.  www.LaTeDa.com
Sunset Watersports ~ nightly sunset cruise dinner buffet!
There is a nightly dinner cruise on Sunset Watersport's Party Cat.  It's a 2 hour cruise. … (2 comments)

Collection Companies Credit Report Errors and Repairs - 08/06/10 12:48 PM
Collection Companies Credit Report Errors and Repairs

If you are a buyer looking for a home in Key West Florida and you find yourself on Google and Realtor.com looking at homes so often that you know more about real estate than some of the agents you talk to it's time to get a copy of your credit report.  
A small percentage of buyers I talk to have major credit errors that need to be corrected.  A bigger percentage of buyers have minor errors that can easily be corrected in 30 to 45 days.
The picture to the right is near the jumping bridge on Sugarloaf … (2 comments)

Looe Key Reef Lower Florida Keys - 08/05/10 11:25 PM
Looe Key Reef Lower Florida Keys
The lower Keys are closer to Cuba than they are to Miami.  The water is clear and packed with fish.  We have been blessed... there is no BP oil in the Keys!  Looe Key is 5 minutes from Cudjoe Key.  Looe Key is a coral reef in the Florida Keys National Marine Sanctuary.
My friend Ryan Johnson took these pictures at the reef.
  
 
The last time we were out at Looe Key my husband and friends climbed the American Shoal Light at Looe Key.  That's pretty crazy considering that platform is 40 feet … (7 comments)

Dreaming About Key West Real Estate! - 08/05/10 10:10 PM
When I woke up this morning with the most vivid dream that revolved around real estate fresh in my mind I knew that my long stretch with no days off and 14 hours days needed a spa day interruption.  
Yesterday my husband told me that I think about nothing except real estate.  I said, "Hu?" like he was speaking some strange language I didn't understand.  The only thing I could think of, when I stopped for 2 seconds to think about what he said, was that there must be something wrong with him because of course I do!  You've got to … (7 comments)

My credit is not good - but my co-signers credit is excellent - Yippie, I can buy & use FHA loans - 08/04/10 02:07 PM
Jeff Belonger is recognized as an expert on FHA loans!
Via Jeff Belonger-The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans ( - FHA Home Loans - Infinity Home Mortgage Company, Inc):
 
There will always be some sort of mortgage myth in our industry or a piece of information given by a loan officer that is misleading. What I am about to talk about is regarding FHA loans and a borrower using a co-signer to help them purchase their new home. We call this a non-occupant co-borrower type of loan.
 
 
 

Let's … (3 comments)

 
Mayathomas2crop Rainmaker_large

Maya Thomas, foreclosures, short sales, water front, Old Town Key West, Sunset

Key West, FL

More about me…

Key, Key Haven, Geiger, Sugarloaf, Cudjoe, Summerland

Address: 305 522 1398 MyRealPro@gmail.com Key West, Key Haven, Big Coppitt, Geiger, Saddlebunch, Cudjoe, Ramrod, Summerland, Little Torch, Middle Torch, Big Torch, Big Pine Key, No Name Key, Key West, FL, 33040

Office Phone: (305) 522-1398

Cell Phone: (305) 522-1398

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This is the place to find real estate about Key West, Sunset Key, Stock Island, Rockland, Big Coppitt, Boca Chica, Geiger, Saddlebunch, Sugarloaf, Cudjoe, Summerland, Ramrod, Little Torch, Middle Torch, Big Torch, Big Pine and No Name Key Florida and information about real estate between mile marker 0 and mile marker 33.


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