Northwest Florida Realtor

Crestview Country Kennel and Grooming Crestview, FL

2009-11-23T02:47:50Z

This week was my mom's first week open at her new store Crestview Country Kennel. Below are twitter post she had this week.

Today is the first day open at Crestview country kennel and grooming CCK&G. Had a few clients in I will try to take pictures 4 puppysit.com 10:31 PM Nov 17th from web

Stop by to see us. 4267 Harielson Rd in Crestview,FL Look for our pink banner. 10:31 PM Nov 17th from web

Now accepting grooming appointments Contact me: Cindy Hunter Crestview, FL

(850) 306-1718 (850) 902-3647 10:32 PM Nov 17th from web

Craigslist posting

Need your Dog Groomed Today? $5.00 off (Crestview / Mossy Head)

Date: 2009-11-18, 1:52PM EST
Reply to: comm-kumv9-1471798504@craigslist.org

Now Open! - East Crestview just off of 90 on 393. Groomer has 15 years experience. Clean facility, organic products. Compassion and comfort. We take dogs in at 9 am and noon. We call when they are finished so they don't have to stay all day. We can keep them for the day if need be. We are grooming right now Monday through Thursday. Prices start at 30. depending on size and condition. Call for appointments or more information. 850-306-1718 or 902-3647 Book now for Thanksgiving! We offer pick up and drop off services from Baker to Defuniak. Mention craigslist and get 5.00 off!

Cindy Hunter

Happy Thanksgiving

2009-11-23T02:29:53Z

Dear Friends, During this holiday season, your American Red Cross has launched a holiday fundraising campaign called - "Double Your Donation". We are asking families, groups and businesses to "double your donation" by agreeing to donate, or to match donations during this holiday season!

Businesses can encourage their employees to donate and offer to match anything they give. Parents can encourage their children to raise money by having a lemonade stand and then match what ever they raise. Boy Scouts and Girls Scouts can have a car wash and then ask the troop to match their donation. There is no right or wrong way to do it, just be imaginative and have fun.

If you need more information, or would like to talk about how to do a large scale matching program, please contact kindlej@usa.redcross.orgorg or at the office, 800-773-7620.

From our family to yours, Happy Thanksgiving!

Jerry Kindle
Chief Executive Officer

Let Red Cross Volunteers Wrap your Seasonal Gifts at Santa Rosa Mall Santa Rosa Mall is teaming up with the American Red Cross to help raise money for our programs by providing a gift wrapping station at Santa Rosa Mall. To help us make this a great fundraiser, please donate wrapping paper, bows and ribbon by calling 800-773-7620 and find out where you can drop the items off. November 27th through December 24 Mon - Sat 10:00 am until 9:00 pm Sun 12 noon until 6:00 pm Register to volunteer to wrap presents.

NEO Clean Energy Network Meeting in Trumbull County: District Leader Discussion

2009-11-23T02:21:31Z

NEO Clean Energy Network Meeting in Trumbull County
Tuesday, November 24, 2009, from 7-8:30 p.m.

Energy Efficiency's Role in Green Building

Michael Hein and Jason Clark of The Green Building Pros are the main speakers for a Clean Energy Network Meeting in Trumbull County on Tuesday, November 24, 2009, from 7-8:30 p.m. The meeting will be held in Room 117 of the Kent State University Trumbull Campus Technology Building. The meeting is free and open to the public.

Hein and Clark will discuss "Energy Efficiency's Role in Green Building" and will deal with topics such as what makes a building "green," why energy efficiency is important to homeowners and small business owners, and energy audits. To make existing buildings more energy efficient, an energy audit is the place to start. The speakers will explain what is involved in an energy audit and the reports produced to help determine the steps needed to reduce energy use while maintaining a comfortable and healthy building. A question/answer session will follow the presentation. Also, attendees will discuss future meeting topics.

The Green Building Pros (GBP) is a collaboration of energy efficiency and sustainability experts dedicated to bringing their expertise to the marketplace in Eastern Ohio and Western Pennsylvania. The staff at GBP has decades of experience in the construction industry and hold advanced degrees and certifications in sustainability and green building. This experience and education - coupled with memberships and accreditation by leading organizations in green building and energy efficiency organizations such as the United States Green Building Council (USGBC), Residential Energy Services Network (RESNET), and the Building Performance Institute (BPI) - position GBP to be a leader in the growing green building market. GBP is on the Web at http://thegreenbuildingpros.com/.

Clean Energy Network in Trumbull County is a group dedicated to increasing awareness in sustainability, green

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Update from Kitty Mauzy from Compass Bank on the Mortgage Market

2009-11-23T02:13:19Z

November 23, 2009

MARKET RECAP

Last week wasn't one of housing's better weeks. Delinquencies dominated the news, and not in a good way. For the quarter ended September 30, 6.25% of U.S. mortgage loans were 60 or more days past due, a 58% increase from the same year-ago period, according to TransUnion. Meanwhile, LPS Applied Analytics reported that more Americans who bought homes during the housing boom are falling into mortgage purgatory. About 3.4% of households - or about 1.9 million homeowners - are 120 days or more overdue on their payments, but not yet in foreclosure, compared to 1.5% last year.

It wasn't all dark clouds and gloom, though. If we vet the data a little closer, we find that the rate of delinquencies is slowing when measured sequentially (quarter to quarter). It is also worth noting that mortgage delinquencies are most concentrated in the four states hit hardest by the crises - Nevada , Florida , Arizona and California . In other words, we are not looking at a countrywide pandemic.

We're also not looking at a pandemic in the new-housing market, though some were thinking otherwise last week. The Commerce Department reported that housing starts decreased 10.6% to a seasonally adjusted 529,000 annual rate in October compared to September. The news was a major disappointment to many market watchers, who expected starts to increase to post at a 600,000 annual rate.

Anxiety over impending expiration of the $8,000 first-time homebuyer's credit was the most repeated reason for the decline in starts. However, that reason hints at intellectual laziness. The impending expiration had been known for some time, so it should have been more heavily factored into initial estimates. The pundits should have known a drop in starts was possible, if not probable.

That said, we think the market's reaction to the housing-starts data was overdone. The extension and expansion of the federal homebuyer tax credit should help re-stimulate the housing market (and not just the lower-end market) in coming months.

Looking at the mortgage market, we continue to marvel at the decline in mortgage rates. As we marvel, rates declined again last week to post another all-time low, despite a higher-than-expected increase in consumer prices. The 15-year fix-rate loan is looking particularly enticing, with rates increasingly quoted in the 4.25% vicinity for borrowers with good credit.

Economic Indicator	Release Date and Time	Consensus Estimate	Analysis
Existing Home Sales (October)	Mon, Nov. 23, 10:00 am, et	5.65 Million (Annualized)	Important. The consensus estimate shows a slight increase, though a decrease on tax-credit concerns is the likelier outcome.
Gross Domestic Product (3rd Quarter 2009)	Tues, Nov. 24, 8:30 am, et	3.3% (Increase)	Moderately Important. This updated estimate is expected to mirror previous estimates.
Case-Shiller Home Price Index (September)	Tues, Nov. 24, 9:00 am, et	None	Important. Other studies hint at lower home prices in this closely watched index.
FHFA House Price Index (September)	Tues, Nov. 24, 10:00 am, et	None	Moderately Important. The data will likely show strength in lower-priced homes.
Mortgage Applications	Wed, Nov. 25, 7:00 am, et	None	Important. Continued low rates have tempered borrower urgency.
Durable Goods Orders (October)	Wed, Nov. 25, 8:30 am, et	0.4% (Increase)	Important. Strength in orders is an encouraging sign for the economy.
Personal Income & Outlays (October)	Wed, Nov. 25, 8:30 am, et	Income: 0.1% (Increase) Outlays: 0.4% (Increase)	Important. Consumers are demonstrating a greater willingness to spend despite rising unemployment.
New Home Sales (October)	Wed, Nov. 25, 10:00 am, et	410,000\| (Annualized)	Important. Given recent data on starts, actual sales could lag the consensus estimate.

An Argument for Higher Rates

Our reasons for expecting mortgage rates to rise have been well documented: soaring gold prices, rising commodity prices, a weak dollar on the international stage, record federal deficits and a record low federal funds rate. To that, we will add the Federal Reserve's acknowledgement that household spending "appears to be expanding" and economic activity "has continued to pick up."

At this point, we would welcome rising interest rates. Rising interest rates are a byproduct of rising economic activity, and rising economic activity necessitates rising employment. If there is one thing our economy needs more than anything, it is rising employment. Low interest rates, low housing prices and tax credits are all well and good, but their impacts are dwarfed by employment. If you don't have a job, low interest rates, low housing prices and tax credits are meaningless.

What's more, rising interest rates would stimulate activity. Potential borrowers have grown languid over the past few weeks; there is no urgency to get out and buy or even refinance a home because of expectations for a prolonged low-rate environment. Rising rates would change those expectations and prompt many potential borrowers to act.

In the meantime, we still think prompting them to act before rates start rising is not such a bad idea.

A thank you to Kitty for the update.

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Best of Both Worlds Lakefront home in the Destin beach area or choose the Lakefront in Defuniak Springs countryside

2009-11-23T01:52:50Z

MLS #: 512989

Price: $519,000.00

Year Built: 2004

Square Feet: 3506

Bedrooms: 4

Bathrooms: 3 Full

HOA Fees: $76.00

Lot Size: 0.18 acres

Lot Dimensions: 127X62

From the moment you enter into the driveway, the details will take your breath away! The antique fountain invites you through the mahogany entry doors of this true stucco house where 22' ceilings welcome you into the foyer. The home boasts Brazilian cherry hardwood floors, crown molding and bull nose throughout. Not one detail has been overlooked in the magnificent construction and design of this home, to name a few, trayed ceilings, built-in fish tank, solid oak staircase, solid oak garage doors, 5 1/4 baseboards, cherry wood cabinets, granite, central vac, security system, CAT 5 wiring for highspeed DSL internet, multiple surround sound systems and over 78 recessed lights for maximum lighting. The kitchen is every gourmet cooks dream complete with 40" stove, solid cherry cabinets, enormous island with sink and one of a kind Picasso gold granite! Not enough? then enjoy your indoor kitchen that can easily be converted to an outdoor kitchen for those lazy summer evenings and grilling on the natural gas grill. Even the laundry room has been designed with porcelain sink, cherry cabinets and granite. The oversized master bedroom has an arched hallway leading to the master bath containing a bidet, massive walk-in closet, separate shower and Jacuzzi tub. Lounge on the balcony off the master bedroom and take in the breathtaking views of the lake and sunsets. Fenced-in backyard set on natural lake with unique nature view. Situated in the gated community of Emerald Lakes you are only a minutes drive from Destin Commons, the magnificent sugar beaches and everything else that Destin has to offer. Amenities available include, swimming, tennis, basketball, fishing in stocked lakes and canoeing. This house is priced to be yours, originally built for nearly a million!

149 Lake Holley Cir, Defuniak Springs 32433

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Listing Information

Property Type: Detached Single Family

MLS #:	527136	Price:	$450,000.00	Year Built:	2005
Square Feet:	4354	Bedrooms:	3	Bathrooms:	3 Full
HOA Fees:	Not available	Lot Size:	1 acres	Lot Dimensions:	157X242X207X225

Description:

Gorgeous custom home built in 2005 located on Lake Holley, a private spring fed lake with fishing and boat access. This lakefront home has a walk-out deck on each floor to maximize the views of the great lake. Upon entering the home on the entry level you are welcomed with tons of views overlooking the beautiful Lake Holley. The rear of the house shows the two stories opening up to a 480 square foot deck on the upper floor and a 480 square foot porch off of the downstairs floor to enjoy sunsets on Lake Holley. The downstairs deck steps down to the 16 x 32 swimming pool with a very nice decorative concrete sun deck. The first floor has a large open floor plan with 2,707 square feet of living area with three bedrooms and two baths. The study can be used as a home office, media room or fourth bedroom. The master suite is 688 square feet of privacy consisting of the master bedroom, bathroom, walk-in closet and sitting area. The master bath has a jacuzzi tub and a large 2 person travertine shower. The large kitchen has more cabinet space than many of the million dollar homes in South Walton. Cabinets are quality built with glazed maple. The kitchen also includes granite countertops. Kitchen floors are porcelain tile and the kitchen has a pass thru and two raised bars. All appliances are stainless steel, Thermador and Bosch. The large great room has a gas fireplace and the vaulted ceiling runs through the great room and kitchen area with french doors opening up to the deck overlooking the pool and lake. Bedrooms are all carpet. Great room, breakfast area, dining room, study, master sitting area, halls and stairs all have bamboo flooring. The foyer, bathrooms, utility room and kitchen have tile floors. The two car garage finishes off the upper floor. Central vacuum system throughout home. The downstairs was just finished in December and has 1605 square feet of total living area. It is currently used as a large recreation area with a separate home gym and full bath. The low

Features

Construction/Roof: Brick exterior, Composition roof, Shingle roof

Energy-Efficient Features: Two or more water heaters

Exterior Features: Balcony, Deck, Covered patio, Covered porch

Fireplaces: Gas fireplace, Fireplace(s)

Flooring: Wall to wall carpeting, Carpet, Marble floors, Tile flooring, Hardwood floors

Laundry Features: Washer/dryer hookups

Heating/Cooling: Central air conditioning, Hot water heat, Electric heating

Appliances: Electric range and oven, Self-cleaning oven, Double oven, Microwave oven, Cooktop range, Dishwasher, Refrigerator, Exhaust fan/hood

Interior Features: Breakfast bar, Pantry, Jetted bathtub, Tub and separate shower, Ceiling fan(s), Central vacuum system, Walk-in closet(s), Window treatments, Secondary bedrooms split from master bedroom, Cathedral ceilings

Utilities: Septic sewer system, Public water supply, Satellite dish

Lot Features: Clear lot

Parking Features: Automatic garage door

Recreational Features: swimming pool, In-ground swimming pool, Spa, Boat dockage

Rooms: Sitting room

Scenery: Lake view, Lake frontage, Waterfront property

Style: Contemporary

Schools

Elementary School:

West Defuniak

Middle School:

Walton

High School:

Walton

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149 Lake Holley Circle Defuniak Springs Natural Springs private lakefront home for sale

2009-11-23T01:42:28Z

149 Lake Holley Cir, Defuniak Springs 32433

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Listing Information

Property Type: Detached Single Family

MLS #:	527136	Price:	$450,000.00	Year Built:	2005
Square Feet:	4354	Bedrooms:	3	Bathrooms:	3 Full
HOA Fees:	Not available	Lot Size:	1 acres	Lot Dimensions:	157X242X207X225

Description:

Features

Construction/Roof: Brick exterior, Composition roof, Shingle roof

Energy-Efficient Features: Two or more water heaters

Exterior Features: Balcony, Deck, Covered patio, Covered porch

Fireplaces: Gas fireplace, Fireplace(s)

Flooring: Wall to wall carpeting, Carpet, Marble floors, Tile flooring, Hardwood floors

Laundry Features: Washer/dryer hookups

Heating/Cooling: Central air conditioning, Hot water heat, Electric heating

Appliances: Electric range and oven, Self-cleaning oven, Double oven, Microwave oven, Cooktop range, Dishwasher, Refrigerator, Exhaust fan/hood

Utilities: Septic sewer system, Public water supply, Satellite dish

Lot Features: Clear lot

Parking Features: Automatic garage door

Recreational Features: swimming pool, In-ground swimming pool, Spa, Boat dockage

Rooms: Sitting room

Scenery: Lake view, Lake frontage, Waterfront property

Style: Contemporary

Schools

Elementary School:

West Defuniak

Middle School:

Walton

High School:

Walton

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2460 Lakeview Drive Crestview Florida REO Foreclosure for sale Just Listed

2009-11-23T00:36:54Z

Detached Single Family

		ApproxSF:	1,650 BG:
Address:	2460 LAKEVIEW DR S
	CRESTVIEW, FL	Bedrooms:	3
Zip:	32536	Baths Full/Half:	2/0
County:	OKALOOSA	Stories:	2
MainArea:	25 Crestview Area	YearBuilt:	2006
SubArea:	03 CRESTVIEW NORTHWEST	OccStat:	New
Subdiv:	LAKE SILVER 1ST ADDN	ImmOcc?	Y
ParcelID:	19-4N-23-1411-0004-0070	ConstrStat:	Construction Complete
ElemSch: BOB SIKES Middle: DAVIDSON High: CRESTVIEW
Dir:	Hwy 85 North to Lake Silver Road (6 miles North of I-10). Left onto Lake Silver Road go 3.5 miles to South Lakeview Drive.
Legal:	LOT 7 BLOCK 4 LAKE SILVER 1ST ADDITINO

New homes. Several different home plans in this subdivision. Kitchen features stainless steel appliances, granite countertops, ceramic tile. Homes offer 9-10ft ceilings, ceiling fans, electric fireplace, mini-blinds, electric garage door - plus many other features. Room & Lot dimensions approximate - buyer to verify.

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Crestview Foreclosure now sold REO located on newman ave

2009-11-16T18:35:13Z

Detached Single Family		.
MLS#:	525506 OfficeFile#:	ListPrice:	$24,900
Status:	Sold	ApproxSF:	720 BG:
Address:	5248 NEWMAN AVE	$/Sqft:	$34.58
	CRESTVIEW, FL	Bedrooms:	2
Zip:	32539	Baths Full/Half:	1/
County:	OKALOOSA	Stories:	1
MainArea:	25 Crestview Area	YearBuilt:	1980
SubArea:	01 CRESTVIEW SOUTHEAST	OccStat:	Vacant
Subdiv:	METES AND BOUNDS	ImmOcc?
ParcelID:	15-3N-23-0000-0073-0060	ConstrStat:	Construction Complete
ElemSch: SOUTHSIDE Middle: RICHBOURG High: CRESTVIEW
Dir:	From I-85N drive East on Hwy 90E past Shofner and Newman is next right before you get to schoal river bridge.Turn left on Newman Avenue and home will be on your left.
Legal:	BEG NE COR OF SE1/4 OF SE1/4 S195 FT W140 FT N195 FT E140 FT TO POB AS OR

This is a handyman special selling "AS IS". Needs paint and finishing the new laminate floring in doorway of bath and the two bedrooms. 195 feet of road frontage and 140 feet deep on approximately .44 acre lot. Ernest money deposit of $1,000 is required unless paying by cash. PROPERTY TO BE SOLD "AS IS".

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Just Sold 7664 Tuttle Blvd Milton FL home with a river view

2009-11-16T16:01:30Z

Residential
MLS#:	354811m Prop Type: RD	ListPrice:	$239,900
Status:	Sold
Address:	7664 TUTTLE BLVD	ApproxSF:	2,450
	MILTON, FL	Bedrooms:	3
Zip:	32583	FullBaths:	3
County:	SANTA ROSA	HalfBaths:	1
MainArea:	10 Milton	#Rooms:
SubArea:	1003 East Milton	YearBuilt:	2007
Subd/Proj:	WOODLAND LAKE HTS NONE	CnstrStat:	NewConstr
ParcelID:	362N28584000C000060
ElemSch: EAST MILTON - 10 Middle: KING - 10 High: MILTON - 10
Dir:	Hwy 90 to Johnson; left on St. James; right on Lakeside Dr.; right on Tuttle, house is on left.
Legal:	WOODLAND LAKE HEIGHTS, Lot 6, Block C, as des. in OR 2351, P 254, LESS 1/2 MIN RIGHTS.

Enjoy Country Living with Class for a GREAT PRICE. This carefully crafted custom home is within view of the Blackwater River and minutes from I10. As you enter the living room you will be dazzled by the gorgeous VAULTED PINE CEILING with exposed beams and the BRAZILIAN TIGERWOOD FLOORS. You will love cooking in the open kitchen which features CUSTOM CYPRESS CABINETS, kitchen aid appliances, and lots of storage- perfect for entertaining or enjoying your family. Outside, savor the solitude on your wrap a round deck and porch, your huge yard landscaped with native plants and view of Wrights Basin. This solid house features 2 x 6 framing, Go Bolt construction, and custom metal roof. This superb home is a MUST SEE!!!! MOTIVATED SELLER!! Reasonable offers will be considered.

Agent Notes: Owner will consider owner financing. All room sizes are to be verified. Interior is almost complete. Thank you for showing this beautiful house.

PrkingSpc:	2	LotSize:	210X210X210X100	LotLoc:	Waterview	WatFrnt:	None
		Acres:	0.48	Zoning:	ResSingle	WatFrntFeat:
PrkingFeat:	2CarGarage, SideEnt	RdMaint:	County	WaterView:	River View
DevelopFacil:		WFFeet:

Room Type	Lvl	Dimnsns
Bedrm:Master	1	19x15	Styl/Des:	Contemp, Cottage/TwoStory	Cnstr/Sidng:	Frame, Block/HardeePlnk
Bedrm:Additnl	2	15x14	Roof:	Metal	Floors:	W/WCarpet, Vinyl, Tile, Hardwood
Bedrm:Additnl	2	15x14	Wat/Sew:	PubWater, SepticTank	Pool:	None
Bath: Master	1	12x11	Heat:	A/Ahtpmp, 2+Units	WatHtr:	Electric, 2+Units
LivingRoom	1	26x13	Elec:	CircuitBrk	Cooling:	A/Ahtpmp, 2+Units
Kitchen	1	14x13	ExtFeatures:	Porch, OpenDeck, OpenPatio, Balcony
DiningArea	1	14x13	IntFeatures:	CableAvl, Cathedrl, HighCeilin, Add'lStor, InLndry, W/DHookups, Trackltg, CeilingFn, VaultedCl, RecLite
Office/Study	1	12x10	KitFeatures:	ElecStove, Ovn/Cooktp, SelfClnOvn, BnMicro, Dishwasher, Refrigr, Pantry, Island
Laundry/Utility	1	12x10	Energy:	DoublePane, CeilFans, RidgeVent, Heatpump, InsulatWal, InsulatCei
Garage	B	28x26	MiscEquip:	SmkDetetr, GarOpnr
			DiningType:	Kt/DiCombo




Mbed/Mbath: 2+ Closet, Ceiling Fan, Downstairs Master Bdrm / Double Vanity, Tile, Garden Tub, Marble, Separate Shower

I just participated in this sale representing the buyers.

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Okaloosa county foreclosure in Laurel Hill Florida acreage 8009 Old Ebenezer now sold

2009-11-08T17:37:37Z

Property Type: Residential Land

MLS #:	524987	Price:	$25,740.00

		Lot Size:	4.3 acres	Lot Dimensions:	262X658X450X658

Description:

LOVELY 4+ ACRES WITH A METAL BUILDING AND HOME SITE OVERLOOKING A PRIVATE POND. THERE WAS A NICE HOME ON THE PROPERTY THAT BURNED DOWN. WATER METER AND SEPTIC REMAIN ON SITE. GREAT ACCESS ON PAVED ROAD. THIS LISTING IS PARCELL 03-5N-23-0000-0004-0000.

Features

Utilities: Septic sewer system

Lot Features: Wooded, Clear lot

Schools

Elementary School:

Laurel Hill

Middle School:

Laurel Hill

High School:

Laurel Hill

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Tax Credit Extension

2009-11-08T17:24:27Z

The credit has not only been extended, it has been improved. First-time homebuyers - anyone who hasn't owned a home in the past three years - will still get up to $8,000 to apply against their federal tax liability, but buyers who have owned their current homes at least five years will also be eligible for tax credits of up to $6,500. To qualify, buyers must sign a purchase agreement no later than April 30, 2010 and close by June 30.

Just as important, if not more so, the extension also raises income ceilings. The new version has the credit phasing out for individuals with incomes above $125,000 and for joint filers with incomes above $225,000. The phase-out increase means the new credit will be applicable to higher-priced homes (though the purchase price can't exceed $800,000); thus, stimulating sales in more expensive categories.

Wednesday the Fed stated that it will maintain the federal funds rate - the rate banks lend to each other - near zero for "an extended period" and specified for the first time that policy will stay unchanged as long as inflation expectations are stable and unemployment fails to decline. The fed funds rate is an important benchmark for other lending rates, so the Fed's pronouncement bodes well for borrowers seeking a mortgage loan.

Unfortunately, the trend on job creation remains down. The unemployment rate rose again in October, due to employers shedding another 190,000 jobs. The unemployment rate now stands at 10.2%, the highest it has been in 26 years.

The news on the employment front is discouraging, to be sure, though recent payroll data reflect some improvement. The rate of job cuts has lessened dramatically when you consider that 741,000 jobs were shed in January alone. It's also worth noting that new claims for unemployment benefits decreased by 20,000 to 512,000 in the week ended October 31, the lowest level since January 3. And if you happen to be the-cup-is-half-full type, you can take additional solace in knowing employment figures are lagging, not leading, indicators.

Economic Indicator	Release Date and Time	Consensus Estimate	Analysis
Mortgage Applications	Thurs, Nov. 12, 7:00 am, et	None	Important. Activity should pick up on lower rates and extension of the federal homebuyer's tax credit.
International Trade (September)	Fri, Nov. 13, 8:30 am, et	$31.5 Billion (Deficit)	Moderately Important. The deficit is expanding (modestly) on higher oil prices.
Import Prices (October)	Fri, Nov. 13, 8:30 am, et	0.5% (Increase)	Important. Recent increases are posing evidence that the weak dollar is increasing inflation pressures .
Consumer Sentiment (November)	Fri, Nov. 13, 10:00 am, et	72 Index	Moderately Important. Sentiment generally mirrors the latest news, which has been trending positively.

Continued Affordability....At Least for the Time Being

Should we backpedal on our expectation for mortgage rates to rise, given the Federal Reserve's desire to keep lending rates low? For the immediate future, yes, though we still doubt they will go much lower. After all, there is a risk to lending, so investors demand a minimum return on their investment, and we think rates are at or close to that minimum return. Longer term (three months out), we remain convinced of the prospect for higher inflation: Gold is trading near $1,100 an ounce, hard commodity prices have surged, oil prices have doubled in the past seven months, and the spread between the 10-year Treasury note and the TIPs (a variable-rate Treasury security) has narrowed.

We have to admit, though, that the window for borrowers to act has likely widened, but that doesn't mean potential homebuyers should play the mortgage-rate waiting game. We can't forget the other half of the equation - home prices, which should get a boost from the homebuyer credit extension. Moreover, these credits are chasing a dwindling supply of homes. According to data compiled by Web-based real estate brokerages, listings of single-family homes and condominiums declined an average 2.8% across 27 major metropolitan markets in October. National inventory has declined month-over-month for 16 straight months to the point where there are now 28% fewer homes for sale than there were in October 2008.

In short, the stars remain aligned for refinancers and homebuyers to act today, but we don't expect them to stay aligned far into tomorrow.

Thank you to Kitty Mauzy of BBVA compass bank for the helpful information.

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Pensacola Ice Flyers

2009-11-08T17:07:20Z

The next game for the Ice Flyers is

Havoc vs. Ice Flyers
November 12, 09
Location: Pensacola
Address: 201 E. Gregory St.
Phone: 932-0800
Huntsville Havoc vs. Pensacola Ice Flyers Game Information 6:05pm Doors Open 7:05pm Puck Drop

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HR 1835 NAT GAS ACT

2009-11-08T16:54:55Z

Boone's goal of 120 cosponsors by 11/20 we only need 4 more cosponsors. Call your Representative and tell them to get on board, we only have one Florida representative that has signed on, if we can get four more we can push past our goal and show that Florida is serious.

Call your representatives.

Three Current Federal NGV Incentives

1. Income tax credit for purchasing new or converted NGVs:

Vehicle buyer is eligible for a tax credit that varies with:

The size of the vehicle and

The cleanliness of the engine (50% or 80%)

Credit value: $2,500 to $32,000 per vehicle

Provision expires: 12/31/2010

2.
Excise tax credit of 50 cents per GGE of CNG (or LNG gallon) sold:

Credit expires on 12/31/2009

Income tax credit for NGV fueling infrastructure:Lesser of 50% of cost or $50,000 per station

$2,000 for a home refueling unit

Provision expires: 12/31/2010

Lead Sponsors:
-
Dan Boren (D-OK); John Larson (D-CT); John Sullivan (R-OK)

Senate:Robert Menendez (D-NJ) has agreed to be the chief Democratic sponsor of the Senate companion bill

Expect identical companion legislation to be introduced before Memorial Day

NAT GAS Act Provisions

Extends existing fuel, vehicle and infrastructure credits until 12/31/2027

Makes all dedicatedNGVs eligible for 80 percent credit

Makes bi-fuel NGVs eligible for 50 percent credit

Allows the vehicle and infrastructure credits to count against the AMT provisions

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Fannie Mae Rental tips

2009-11-08T15:34:44Z

Document that "Knowing Your Options" was posted on all properties, provided redemption/confirmation expired, and note the date posted. On tenant occupied properties, notify the rental team of the response, or lack of response, following the 10th day of posting. If it is stated that tenant is interested in renting, then confirm that the forms were submitted to the rental team within the same time frame.
If tenant occupied and the tenant is attempting to maintain occupancy based on an existing lease or applying for a new lease, do not place the BPO order on hold. This is a recurrent problem resulting in delays in processing rental applications.
Tenant occupied properties are eligible for a 1% higher Listing Commission. The Listing Supplement must be initially modified to reflect this. Do not wait until the property is under contract to make the change.
OSR indicating Unknown-Occupied must be verified within 5 days and OSR updated. On 2-4 Family properties, report as tenant unless otherwise confirmed as owner.
Do not submit partial rental applications received to the rental team. The Rental Information Form and Property Management Report must be submitted together followed by uploading the BPO.
The agents must not accept rental funds without fully executed lease agreements, or approval to accept an existing lease. If pets are present and the tenant is applying for a new month to month lease: the agent must supply proof of liability insurance that specifically indicates the pets are included, Fannie Mae is named as additional insured, and the coverage is at least $300,000 with no more than a $500 deductible.
AMP should submit repairs through their usual repair process but may check with the rental team for confirmation that a specific repair should be performed on an occupied property.
Inform the agents of the Fannie Mae REO ID and the importance of using it on the subject line of all direct communications with the Rental Team. Subject line of emails: state abbreviation followed by REO ID. Example: FLD091234.
On 2-4 Family Properties, reference specific unit numbers when reporting / updating Case Comments.
Current rental forms and guidelines are available at www.efanniemae.com.

If you should have any questions about the points listed above, please contact the Rental Team at reo_rental@fanniemae.com

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Fannie Mae foreclosure properties Multiple Offers and Acknowledgement Form Revised

2009-11-08T15:05:56Z

The revised multiple offer procedure (MOP) form. The purpose of this form is to notify the selling agents, and thereby the buyers, of a multiple offer situation and to provide the listing agent and Fannie Mae a clear indication of each buyer's response to the multiple offer situation. This form is designed to establish Fannie Mae's procedures with respect to multiple offers.

The MOP form also ensures that all selling agents understand the situation and that buyers have adequate opportunity to provide Fannie Mae with their highest and best offers when seeking to purchase one of their listings. The MOP form is required whenever more than one offer is received on a property. The form is also required in situations where additional offers are received on a property while an offer is being negotiated, but has not yet been finalized.

When multiple offers are received:

· The listing agent must email the form to the selling agent of each of the buyers.

· One full day is the expected timeframe for the selling agent to return the buyer's highest and best offer to the listing agent. Discuss the appropriate deadline with the Asset Management Provider (AMP) if there are circumstances which may indicate a longer time frame is needed. Notify the AMP with the date and time the MOP form is due.

· The selling agent should immediately return the form to the listing agent, acknowledging the multiple offer situation and the deadline.

· Upon the deadline expiration, the selling agent should re-send the form, checking the appropriate box at the bottom of the page (rescission, no change in offer, or counter offer attached) and confirm the occupancy intention of the buyer.

If the MOP form is not received by the deadline, follow up with the selling agent to determine the action of the buyer. If at all possible, the form should be returned or there should be written communication from the selling agent indicating the buyer's decision. By using this form, misunderstandings and conflicts should be minimized, reducing liability for all agents concerned. If you should have any questions, contact your AMP.

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Public funds growing with Fannie Mae REO properties

2009-11-08T13:31:34Z

Use of Public Funds is Growing Quickly

Fannie Mae has closed several hundred Neighborhood Stabilization Program (NSP) - related transactions in recent months. As use of funds from this program continue to grow, it is important that you and your teams are well versed in how to work with buyers using NSP or other public funds.

Fannie Mae supports initiatives like HUD's NSP program as part of our commitment to manage disposition of our REO properties, align with our corporate mission and aid the stabilization of communities. To ensure these transactions are consistent and transparent, here is a quick reminder of what's involved:

Neighborhood Stabilization Program (NSP)

An offer from a public entity, public entity's designated partner, or an owner occupant that uses NSP funds must include the following:

The language "See Supplement to the Real Estate Purchase Addendum attached hereto and incorporated herein by this reference." in section 38 of the purchase addendum.
The appropriate addendum supplement.

One entitled "NSP owner supplement" to be used when an individual is purchasing a Fannie Mae REO with NSP funds, and one entitled "NSP PE supplement" to be used when a public entity is purchasing a Fannie Mae REO with NSP funds. You may also want to reference the two guides Fannie Mae has available, which outline the process for using public funds for the purchase of Fannie Mae REO.

If you are a public entity or housing non-profit and are interested in purchasing a pool of Fannie Mae properties, e-mail.

If you have additional questions after reviewing these materials, please contact your Fannie Mae sales representative or send inquiries to publicentity_reosales@fanniemae.com

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Fannie Mae do not charge buyers for dewinterization and rewinterizations

2009-11-08T13:17:56Z

I received an update last week and wanted to pass this along. In an effort to make purchasing a Fannie Mae home easier for the buyer, Fannie Mae will no longer charge the buyer the cost of dewinterizing and rewinterizing a property for the purpose of a buyer's inspection. Fannie Mae will absorb the expense for dewinterizing and rewinterizing the property. Therefore, effective immediately, do not charge the buyer for these costs. Follow the instructions below to ensure the dewinterization and rewinterization process and billing are handled properly:

If a Field Services company is assigned to the property, you MUST contact the Field Services company to perform the dewinterization and rewinterization. This ensures that a single company is responsible and accountable for properly maintaining the property.

If not assigned to FAS you contact the SAM Maintenance Vendor to perform the dewinterization and rewinterization. Advise them to direct-bill Fannie Mae for the expense. If the Vendor is unable to do so, they will bill you directly, and you should submit a 571 for reimbursement through the normal process.

Non- Field Services / Non-SAM Maintenance Assigned Properties

Contact a Vendor to perform the dewinterization/rewinterization. This should be the one who performed the initial winterization whenever possible. The Vendor will bill you directly for the dewinterization and rewinterization, and you should submit a 571 for reimbursement through the normal process.

IMPORTANT - Update the Real Estate Purchase Addendum: Please note that the current Addendum does not reflect Fannie Mae absorbing the cost of the dewinterization and rewinterization. An updated Addendum is currently being finalized and will be distributed soon.

In the meantime, because the current Addendum does not reflect this new practice of Fannie Mae absorbing the expense of the dewinterization and rewinterization, you should make these changes to the form by striking thru the part charging the buyers for these charges.

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Just Sold Ben's Rd 1 Acre lot in Mossy Head

2009-11-02T13:48:06Z

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Office: (850) 758-1236

Mobile: (850) 758-1236

Contact Brandon Jordan
cell (850) 758-1236

Residential Land		.
MLS#:	514539m
Status:	Sold	Sale Type:
Address:	1 BEN'S RD	Acreage:
	MOSSY HEAD, FL	MinrlRts?
Zip:	32433	WFFeet:
County:	WALTON	LotAcc:	Dirt/Clay Road
MainArea:	23 North Walton County
SubArea:	05 MOSSY HEAD	Zoning:	County, Residential Single Family
Subdiv:	METES & BOUNDS
ParcelID:	22-3N-20-28000-003-0100	Lot Dim.:	138X338
ElemSch: MOSSY HEAD Middle: WALTON High: WALTON
Dir:	From Hwy 331 and 90 in Defuniak Springs go west on Hwy 90 approx 6 miles to Ben's Road. Turn right. Go approx 450 ft. Lot is on right side of road.
Legal:	Com NE/Cor of NW4, Thence N 88 Deg 23'24

Wooded vacant one acre lot just off Hwy 90 in the Mossy Head area. Buy now for your future home. No build out time, Mobiles welcome. Access to Niceville, Eglin AFB and the beaches via Hwy 285 in Mossy Head.

Waterfront:
Waterview:
LotFeat:
ProjFacil:
Utilities:	Electric Available

SaleSubjtoLease:
LandLease/Year:		MonthlyRent:	AssmMrtTyp:
AssmntFee:		LeaseExpDate:	Financing:
NewBuyerFee:	%	ExistLeases:
AssmntFeesIncl.:
LstOff:	COLDWELL BANKER UNITED REALTORS-CVIEW

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Realtor Call to Action request NAR involvement on the BPO issue

2009-10-30T19:16:16Z

REALTOR Call to Action - Request NAR involvement on the BPO issue

Thank you for your interest in participating in the call to action of this very important issue. To support this effort, you simply have to send an e-mail to the National Association of REALTORS (NAR). There are three options to send an e-mail:

1. automatic e-mail (if you don't have time to write an e-mail) click here for Automatic E-Mail to NAR,

2. copy and paste e-mail (some e-mail programs will not allow auto population of e-mails so you may have to copy and paste the verbiage), or

3. write an e-mail in your own words.

Below are talking points to use when writing your own e-mail. Writing your own e-mail should have a more profound impact with NAR.

Please note: At this time, there is no need to call or write a physical letter to NAR, your state REALTOR association, and/or your local REALTOR boards. This e-mail campaign will let them know the resolve of our industry. The internal staff at NAR will tally the e-mails received and forward the net results and messages to the decision makers within NAR. The more e-mails they receive, the stronger the message to support BPOs.

Automatic e-mail to NAR, please click here Automatic E-Mail to NAR .

Copy and Paste. If the above automatic e-mail to NAR does not work with your e-mail program, click here to copy and paste the e-mail verbiage

E-mail in your own words - Talking points:

The following are potential talking points that you may consider including in your e-mail to NAR. Personalized e-mails are powerful; include or add comments that resonate with your experience in the BPO field. Let NAR know just how important BPO generation and usage is to you, your profession, and your livelihood! Send your e-mail to bpo@realtors.org

If you make a significant amount of income performing BPOs, include that amount. An annualized number will usually sound more impressive than a weekly or a monthly number.

If BPO production is the primary activity of your firm, let NAR know that BPOs are your business, and performing them is what allows you to remain in business (and a member of the Association).

If performing BPOs is one of many revenue streams in your business model, emphasize its importance in augmenting your income and in diversifying your revenue opportunities. You might also speak to the significant contribution to our industry's and nation's economy via the performance of BPOs (i.e., over a billion dollars annually).

Include examples of related business opportunities that performing BPOs opens to your real estate business. Examples could be:
- Performing BPOs allows you to prove yourself to banks/lenders in order to secure REO or short sale listings.
- Performing BPOs inherently places you in situations where you are perceived as a real estate expert to the public. Marketing opportunities abound while performing BPOs.
- Performing BPOs increases your abilities as a real estate professional. You are paid to determine prices, amenity values, inspect houses, inspect neighborhoods, track market conditions etc... You perform these functions on a regular basis.
- Performing BPOs immerses you in your service area and gets you as close to the pulse of the market as possible.

BPOs provide critical information to the mortgage lending industry, and they have been widely adopted as a valuation tool due to their accuracy, fast turn times, and cost effectiveness.

REALTORS® are the most well-informed and up-to-date (relevant) sources to provide critical real estate price information.

BPOs are a "win" for the mortgage industry. In today's challenging mortgage environment, BPOs are a key tool to help distressed borrowers restructure their debt. In fact, BPOs are recognized as a legitimate home valuation tool by our federal government, with BPOs being recommended within Obama's Homeowner Stability Plan.

Top-ranked mortgage servicers utilize BPO's when evaluating the best course of action when reviewing short sales, REO strategy, and portfolio reviews. While appraisals are the preferred product for underwriting newly originated loans; for other purposes, BPOs are faster, less expensive, and are performed by professionals like you, who have their finger on the pulse of their local market.

Consumers benefit from choice in the marketplace. Not only are BPOs commonly delivered expeditiously, they also tend to cost far less than other lengthy valuation procedures. While fast and cost-effective, equally important, BPOs deliver a strong ‘real-world' opinion of market conditions and trends.

With the housing market in such a state of flux, having your professional finger on the pulse of the current market and any emerging trends is more important (and relevant) than ever. Retrospective (past) valuation tools and tactics simply cannot capture the dynamic real estate market in which we find ourselves today.

To secure the best possible outcome for the distressed property owner speed, accuracy, and low cost are all critical. BPOs fit the bill. The housing market recovery, and the larger overall economic recovery, benefit from the availability of BPOs in a free marketplace.

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What 2 Watch 4

2009-10-30T01:15:55Z

Penn State Women's Volleyball Streak at 87 matches (have not lost since 2004)

I am an Ohio State Buckeye fan but that is a crazy record.

Also Cleveland Cavaliers with SHAQ and LEBRON try to not fall to 0-3 start going against the Timberwolves at 8 ET tonight. It is the First time the CAVS have had this bad of a start since 04-05 when lebron was just starting out. Jordan won his first title in his 7th year so its time for James to be getting one.

Counter comments made on article written from Northwest Florida Daily

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Article written by Northwest Florida Daily talk of highest and best use getting rid of the refuge idea

2009-10-30T00:54:29Z

All real estate value is based on the concept of "highest and best use." Okaloosa County has a duty to its taxpayers to exercise this principle in relation to the Island Golf Center land in order to increase the county's tax base if the land is sold or to obtain maximum lease payments if it is leased.

A wrong-way decision could cost taxpayers millions or even billions of dollars in future real estate tax payments or lease payments.

Okaloosa County is not performing its governmental functions if it is not actively soliciting proposals to turn this non-performing asset into a revenue source for county taxpayers.

Okaloosa County probably has other non-performing assets that are not of such high value as the subject property, and which would better serve the Emerald Coast Wildlife Refuge and the taxpayers with much less danger of a hurricane wiping them out. I doubt the Island Golf Center property would be a tourist attraction.

"Highest and best use" might be a swimming beach for Okaloosa County residents and tourists. At least this would give the taxpayers a good return on their asset and provide well-deserved recreation for a large number of citizens. The island conference center (another non-performing asset) parking lot could accommodate the "swimming beach" patrons.

- BOB REISENWITZ

While I can see where Bob was coming from to make his point of an unused asset that is just his view with giving less value to the natural resources than I might of and saving habitat was what I took from the story. I would say there are other assets in other locations of Okaloosa County that are not being used to the highest and best use that could result in more dollars in other areas. Take a look at Crestview Main Street for example.There were other points of view that raised other views too.

see comments on this article click the link below.

Counter comments made on article written from Northwest Florida Daily

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Counter comments made on article written from Northwest Florida Daily

2009-10-30T00:52:59Z

	whereami wrote: Bob must be a swimmer. BTW, I don't think real estate valuation is based on highest and best use, but rather current use. Otherwise, any house on highway 98 would be appraised based on commercial value, not residential value. Likewise for acres and acres of St Joe development property. 10/27/2009 8:10 AM CDT on nwfdailynews.com
	grunttgh wrote: So when he says ""Highest and best use" might be a swimming beach for Okaloosa County residents and tourists." He really means "Mr. Reisenwitz: If the County followed your way of thinking we would have no county parks/recreation areas, boat ramps, etc, as all of these properties would be sold to provide revenue sources." interesting 10/26/2009 1:27 PM CDT on nwfdailynews.com
	daveparisot wrote: Mr. Reisenwitz: If the County followed your way of thinking we would have no county parks/recreation areas, boat ramps, etc, as all of these properties would be sold to provide revenue sources. Even your proposal to use this County land as a "swimming beach for residents and tourists" would probably not qualify as "highest and best use" in the eyes of many of our fellow county residents and taxpayers. The Emerald Coast Wildlife Refuge has requested use of only about three acres of the approx. total 35 acres, and I doubt very much (by the comments made at the County Commissioners Meeting on Oct 20) that any of this land will be sold to the group, but perhaps a low-cost lease. I believe it may be possible to have multiple uses for these 35 acres of County-owned land, but I am not in favor of any of it being sold to developers to build more condos. There are already plenty of those on Okaloosa Island. 10/26/2009 12:49 PM CDT on nwfdailynews.com

see comments on this article

Article written by Northwest Florida Daily talk of highest and best use getting rid of the refuge idea

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Northwest Florida Daily Newspaper online looking to expand

2009-10-30T00:47:07Z

Reader Comments From the editor: Many of you have expressed concerns about some of the harsh anonymous comments from readers. To remedy that, we are introducing new features. You can create your own blog, publish your news and share your photos with the community. Once you fill out a simple form and leave a verifiable e-mail address, you can set up your profile page. It will display all of your contributions and allow you to track issues and easily connect with others.

We want our site to be a place where people discuss and debate ideas that foster stronger communities. We built this for you. Please take care of it. Tolerate broad thinking, but take action against obscene or hateful material. Make it a credible and safe place worth preserving and sharing.

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5808 Hwy 189 and Hwy 4 Commercial building new video

2009-10-30T00:34:44Z

Listing Information

Property Type: Commercial Sales

MLS #:	524787	Price:	$110,000.00	Year Built:	1986
Square Feet:	1430
HOA Fees:	Not available

Subdivision: Not available

Description:

Great location next to the Baker block museum in downtown Baker. Don`t miss this chance to own a commercial property with great visibility on Hwy 189. This property is situated thirty miles from the beaches of the Gulf of Mexico, near Fort Walton Beach, Destin, Pensacola & Navarre on the I-10 corridor also near aerospace hub of Eglin Air Force Base with rapid growth due to BRAC realignment.Also see MLS # 524791 for a chance to own close to a city commercial block in baker.The building consists of two separate storefronts.All brick building with updates some of which include windows and new metal roof.Call today to take a look.

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Coldwell Banker Beta testing this week

2009-10-30T00:26:28Z

For just two days only, beginning today, October 27th and ending 6 PM Eastern October 28th: we're excited to present the test version of the new coldwellbanker.com "Beta" site! Click here to go directly to the site or type in http://beta.coldwellbanker.com/ in a web browser.

The site made its initial sneak peek debut two weeks ago at the Global Management Summit in Los Angeles, where it was met with a great deal of enthusiasm and excellent suggestions. As we work to incorporate some of these great ideas into the "Beta" launch, currently anticipated for early November, we would like to extend the testing phase to the entire network and are asking all of you to help test drive our new functionality.

Please navigate through the site and check out all of the new functionality, noting what you like and any suggestions for improvement. Please keep in mind that you are seeing a test version, which means that you can expect:

Minor technical glitches
Possibly slower speeds
Lead forms that are able to be filled out, but don't actually send to the agent or brokerage
Pop-ups indicating that some functionality has not yet been completed.

Please share any and all issues, as well as suggestions or questions, by using the comments form on the site in the upper right hand corner, which can be seen here:

What is a beta? A "beta" is simply a website that is functional but still being analyzed to work out any unforseen issues before its officially rolled out. By initially launching the site as a beta version, we will be able to show off this great new functionality, while at the same time still solicit feedback as we continue to build the final product. Again, the actual beta launch is expected for early November. For the next two days, you are seeing just a "test" version of the beta.

So when is the website expected to officially launch? The full site, which will replace the current coldwellbanker.com, is being launched in spring 2010 and offers consumers a comprehensive, upgraded resource that will completely enhance the home buying/selling process.

What are the key features of the new site? The most inventive aspects of the site are the groundbreaking property search tools that include:

· A Google-like property search throughout the site

· A keyword search, for more precise property results

· Prominent video display on listings

· "You May Also Like" feature suggests other relevant properties in the area that have the same features the homebuyer was looking for - very similar to what Amazon.com does

· BlueScape search, the first completely visual real estate search based on a homeowners preferences - similar to the popular Pandora.com music site

Combined with our other technology tools including the recent Coldwell Banker mobile application as well as the On Location YouTube channel, the new coldwellbanker.com is the next step in our brand becoming the undisputed real estate industry leader for technology. We look forward to your feedback!

System Requirements:
- IE7.x and IE8.x (Windows XP, Vista)
- Firefox 3.x (Windows XP, Vista and OS X)

© 2009 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each Office Is Independently Owned And Operated Except Offices Owned And Operated By NRT Incorporated.

This was the email sent out to everyone this week I found the site is something to look forward to it has grabbed ahold of the 2.0 marketing and offers everything you could want on sharing listings on all the top sites including Facebook,Twitter, and many more. I look forward to the site being up and running in 2010

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