Daylight savings ends - change smoke detector batteries - 10/31/08 06:30 AM
 
Copyright © 2008 Richard Shuman P.A. Mortgage Brokerage Business, REALTOR - REMAX Select1803 E. Broadway St Oviedo Fl 32765Oviedo, FL 32765407 448 7759 All Rights Reserved.
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VOTE YOUR BANK ACCOUNT - VOTE McCAIN - STILL A BIG CHANCE HE CAN WIN!!! - 10/29/08 07:50 AM
VOTE YOUR BANK ACCOUNT - VOTE McCAIN - STILL A BIG CHANCE HE CAN WIN!!!
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Moving to Florida? www.FloridaRelocationMadeEasy.com - 10/27/08 06:09 AM
Moving to Florida?   www.FloridaRelocationMadeEasy.com
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a … (0 comments)

What is the difference between a fixed-rate loan and an adjustable-rate loan? - 10/26/08 01:41 PM
What is the difference between a fixed-rate loan and an adjustable-rate loan?
 
 With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us. www.WholesalePlusMortgage.com
 
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How much cash will I need to purchase a home? - 10/26/08 01:39 PM
How much cash will I need to purchase a home?
 
 The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:
Earnest Money: The deposit that is supplied when you make an offer on the house (usually $1000)  Down Payment: A percentage of the cost of the home that is due at settlement (usually between 3% and 10% of the sale price) Closing Costs: Costs associated with processing paperwork to purchase or refinance a house is usually 3% of the purchase price or less. The Seller can pay these costs … (0 comments)

How some people got stuck with a higher mortgage payment! - 10/26/08 01:35 PM
For most homeowners, the monthly mortgage payments include three separate parts:
Principal: Repayment on the amount borrowed Interest: Payment to the lender for the amount borrowed Taxes & Insurance:  
Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company. Make sure you know what these may increase to in the next few years.  DON'T GET STUCK!!!
 

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How much can I spend on a home? - 10/26/08 01:29 PM
Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.
 
visit www.WholesalePlusMortgage.com for other loan information.
 
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www.how-much-can-i-spend.com FREE TOOL TO FIND OUT HOW MUCH HOUSE YOU CAN BUY - 10/26/08 01:19 PM
www.how-much-can-i-spend.com
It doesn't make sense to go look at homes that are not in your price range.
Visit www.how-much-can-i-spend.com and in 60 seconds you will have an idea what you can spend on a home. Save time for you and your REALTOR.
 

 
search for a home online at www.skipthebull.com
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Mortgage Points - 10/26/08 01:13 PM
Mortgage Points
Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance.
A $400,000.00 loan would cost you $4,000.00 to buy the rate down. Why not just go to www.WholesalePlusMortgage.com and get a low rate to begin with?
FLORIDA MORTGAGE BARGAINS!!!
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Mortgage Calculator - www.WholesalePlusMortgage.com - 10/26/08 01:09 PM
 
Mortgage
Mortgage Loan Use this calculator to determine your monthly payment and amortization schedule. Mortgage PointsShould you buy points? Use this calculator to find out. 15 vs. 30 Year MortgageUse this calculator to compare these two mortgage terms, and let us help you decide which term is better for you. Adjustable Rate MortgagesThis calculator helps you to determine what your adjustable mortgage payments will be. Mortgage APRUse this calculator to find the APR on your mortgage. Mortgage Tax SavingsInterest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save … (0 comments)

REALTORS are Professionals Just like a Doctor or Attorney! - 10/26/08 12:50 PM
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then … (0 comments)

Common Real Estate Terms - 10/26/08 08:44 AM
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Reasons why homes don't sell - 10/26/08 08:40 AM
Reasons why homes don't sell
If you have had your home on the market for several months and haven't seen much activity or any offers, chances are that one or more of the reasons below are to blame.
 Your price is too high
No doubt about it, the most common reason for a home not selling is that the asking price has been set too high. The reasons for setting your price too high to begin with are many. Ranging from over enthusiastic listing agents to unrealistic seller expectations. Regardless of the reason though, if you've priced your home too high, … (0 comments)

What Closing Costs Can the Seller Pay? - 10/26/08 08:39 AM
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Loan Questions - 10/26/08 08:36 AM
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Prequalification Calculator - 10/26/08 08:34 AM
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www.WholesalePlusMortgage.com Floridas new way to get a mortgage deal - 10/26/08 08:33 AM
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Central Florida REALTOR & Mortgage Broker - One call does it all - www.SKIPtheBULL.com - 10/26/08 08:30 AM
Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much Richard!!" Dr Marian M.
 
A Long … (0 comments)

Winter Springs & Winter Park Real Estate - Richard Shuman P.A. www.SKIPtheBULL.com - 10/26/08 08:26 AM
Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much Richard!!" Dr Marian M.
 
A Long … (0 comments)

Lake Mary Real Estate - Richard Shuman P.A. REALTOR & Mortgage Broker - 10/26/08 08:25 AM
Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much Richard!!" Dr Marian M.
 
A Long … (0 comments)

Oviedo Real Estate - Richard Shuman P.A. REALTOR & Mortgage Broker - 10/26/08 08:24 AM
Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much Richard!!" Dr Marian M.
 
A Long … (0 comments)

Which NEWS CHANNEL do you TRUST DURING THIS ELECTION ? - 10/26/08 08:19 AM
Which NEWS CHANNEL do you TRUST DURING THIS ELECTION ?
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Central Florida Real Estate including Seminole County, Orange County, Lake County, Polk County, West Volusia County and Osceola County. Citys include but not limited to Oviedo Real Estate, Winter Springs, Winter Park, Lake Mary, Casselberry, Altamonte Springs, Orlando, Chuluota, Sanford, Clermont, Davenport, Apopka, Deltona and Debary as well as most others in Central Florida. Homes in Live Oak Reserve, Stoneybrook, Eastwood, the Sanctuary, Lake Jean, Oviedo … (0 comments)

The ELECTION is NOT OVER - I IGNORED THE POLL CALL YESTERDAY - I THINK MOST PEOPLE DO! - 10/26/08 08:17 AM
 
 
The ELECTION is NOT OVER - I IGNORED THE POLL CALL YESTERDAY - I THINK MOST PEOPLE DO!
I don't know of anyone who would take the call so how can these polls be accurate?
 
 
 
 
 
 
 
Central Florida Real Estate including Seminole County, Orange County, Lake County, Polk County, West Volusia County and Osceola County. Citys include but not limited to Oviedo Real Estate, Winter Springs, Winter Park, Lake Mary, Casselberry, Altamonte Springs, Orlando, Chuluota, Sanford, Clermont, Davenport, Apopka, Deltona and Debary as well as most others in Central Florida. Homes in Live … (0 comments)

Is John McCain different than George Bush ? - 10/26/08 08:15 AM
 Is John McCain different than George Bush ?
 
 
 
 
 
 
 
 
Central Florida Real Estate including Seminole County, Orange County, Lake County, Polk County, West Volusia County and Osceola County. Citys include but not limited to Oviedo Real Estate, Winter Springs, Winter Park, Lake Mary, Casselberry, Altamonte Springs, Orlando, Chuluota, Sanford, Clermont, Davenport, Apopka, Deltona and Debary as well as most others in Central Florida. Homes in Live Oak Reserve, Stoneybrook, Eastwood, the Sanctuary, Lake Jean, Oviedo Forest, Oviedo Park, Carillon, Winding Hollow, Baldwin Park, College Park and most others!!!
Mortgage bargains throughout Florida!
 
 
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Obama will make the Real Estate Market Worse? What do you think? - 10/26/08 08:14 AM
Obama will make the Real Estate Market Worse?
 
What do you think?
 
 
 
 
 
 
 
 
 
Central Florida Real Estate including Seminole County, Orange County, Lake County, Polk County, West Volusia County and Osceola County. Citys include but not limited to Oviedo Real Estate, Winter Springs, Winter Park, Lake Mary, Casselberry, Altamonte Springs, Orlando, Chuluota, Sanford, Clermont, Davenport, Apopka, Deltona and Debary as well as most others in Central Florida. Homes in Live Oak Reserve, Stoneybrook, Eastwood, the Sanctuary, Lake Jean, Oviedo Forest, Oviedo Park, Carillon, Winding Hollow, Baldwin Park, College Park and most others!!!
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Results Count! Use a Local REALTOR!!! - 10/26/08 07:27 AM
<!---->  
Relocation is just one specialty of mine. Having relocated my family from Massachusetts and helping a ton of others make a move as hassle free as possible. When moving a family, happy kids make all the difference and I can help you find perfect place (even if you are the kid at heart).
From Great Seminole & Orange County Schools to having lots of activities in Central Florida for the whole family. Residential and Commercial Real Estate throughout Central Florida with one phone call or email to Richard Shuman, Real Estate and Mortgage Solutions www.WithOutTheBull.com  
Available 7 days a week. Call or email me anytime … (0 comments)

Looking to Sell a home in Central Florida? - 10/26/08 07:26 AM
 
Richard Shuman P.A.
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a … (0 comments)

WHAT IS A SHORT SALE? - 10/26/08 07:23 AM
WHAT IS A SHORT SALE?
A "Short Sale" occurs when a Lender agrees to accept less than the amount owed to pay
off a loan as an alternative to foreclosure, if the property is worth less than the amount
owed on the loan. Often a Lender can be convinced that they will do better or as well if
they take less than what is owed NOW rather than taking the property back by
foreclosure and trying to sell it later.
 
HOW LONG WILL IT TAKE?
The Short Sale negotiation process is a lengthy one. It may take weeks to get … (0 comments)

Thinking of moving TO or FROM the Orlando Area? - 10/26/08 07:20 AM
Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much Richard!!" Dr Marian M.
 
A Long … (0 comments)

How do we get on the BANKS REO LIST TO BE A LISTING AGENT ? - 10/26/08 07:15 AM
 
 
How do we get on the BANKS REO LIST TO BE A LISTING AGENT ?
  
 
 
 
 
 
 
 
 
 
 
 
 
 





Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great … (1 comments)

Relief for Home Owners - Will anyone help them if they are not missing their payments? - 10/26/08 07:13 AM






Relief for Home Owners - Will anyone help them if they are not missing their payments?
I haven't seen any programs that help BEFORE THEY RUIN THEIR CREDIT . . .
Do you know of any programs available?












 
 
 
 
 
 
 
 
 
 
 





Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order … (0 comments)

Do you know the rules on how someones IRA can Own Real Estate ? - 10/25/08 10:10 AM
Do you know the rules on how someones IRA can Own Real Estate ?
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard … (2 comments)

Ask your CPA how your IRA/401k can Buy Real Estate - 10/25/08 10:06 AM
 
Ask your CPA how your IRA/401k can Buy Real Estate?
  

 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, … (0 comments)

You can still get a loan to buy a home in Florida - www.LowestFloridaRates.com - 10/25/08 10:02 AM
 
You can still get a loan to buy a home in Florida - www.LowestFloridaRates.com
  
 

 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is … (0 comments)

Orlando area Homes sales leap nearly 38 percent over September 2007 - 10/25/08 09:58 AM
Orlando area Homes sales leap nearly 38 percent over September 2007
 

 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, … (0 comments)

Bargain Homes and Loans in Florida - Florida Real Estate - Best Places to Live - Central Florida Bargains - 10/24/08 07:53 AM
Buyers love me because the seller pays my commission, I explain that they will get a better rate and lower closing costs on the loan since I don't need to make a lt from both. I send them to my mortgage website www.WholesalePlusMortgage.com and have them pre-approved. Then I set them up to receive home listings from www.SKIPtheBULL.com every other day until they buy or unsubscribe. NO MATTER WHAT THEY DO, IT SAVES ME FROM DRIVING PEOPLE AROUND UNTIL THEY ARE READY AND QUALIFIED.
While things are slower than normal, you may want to consider it.  IF YOU WOULD LIKE ME … (0 comments)

REALTORS - 1 Secret to keeping a Buyer Loyal - How to be a TOP AGENT!!! - 10/24/08 07:48 AM
Ever since I became a mortgage broker my clients seem to stay loyal. That is once I get them pre-approved for a loan. Because the seller pays my commission, I explain that they will get a better rate and lower closing costs on the loan since I don't need to make a lt from both. I send them to my mortgage website www.WholesalePlusMortgage.com and have them pre-approved. Then I set them up to receive home listings from www.SKIPtheBULL.com every other day until they buy or unsubscribe. NO MATTER WHAT THEY DO, IT SAVES ME FROM DRIVING PEOPLE AROUND UNTIL THEY ARE READY … (0 comments)

John McCain wins Election with 62% of the votes !!!!!!!!!!!! - 10/23/08 06:08 AM
John McCain wins Election with 62% of the votes !!!!!!!!!!!!
Don't believe what you see on TV - It could still happen!
 
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Oviedo Luxury Home - Like New 5 Bedroom 3 Bath 3 Car Garage Heated Pool & More - 10/22/08 07:57 AM

 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad … (0 comments)

www.WholesalePlusMortgage.com Florida Mortgages close to Wholesale Pricing - 10/21/08 06:58 AM
 www.WholesalePlusMortgage.com    Florida Mortgages close to Wholesale Pricing
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great … (0 comments)

See how much you can spend on a home www.How-Much-Can-I-Spend.com - 10/21/08 06:57 AM
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with … (0 comments)

Thinking of Relocating to Central Florida? Orlando, Lake Mary, Oviedo, Winter Springs, Winter Park, Maitland? - 10/21/08 06:54 AM
Thinking of Relocating to Central Florida?  Orlando, Lake Mary, Oviedo, Winter Springs, Winter Park, Maitland?
Search for a home www.SKIPtheBULL.com Apply for a Loan  www.WholesalePlusMortgage.com See how much you can spend on a home www.How-Much-Can-I-Spend.com
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't … (0 comments)

Do you think Real Estate Sales are going to Pick up in 2009 ? - 10/21/08 06:46 AM
 
 
Do you think Real Estate Sales are going to Pick up in 2009 ?
I know that sales will contnue to be slower than 2005 and 2006 but it should level off to a normal market after the holiday season and the election.
What do you think?
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied … (2 comments)

Who are you voting for President? - 10/21/08 06:31 AM
Who are you voting for President?
 
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than … (1 comments)

85 Degrees Today - No More Snow - Move to entral Florida NOW!!! - 10/21/08 06:23 AM
Originally from Massachusetts - I don't understand why so many people that hate the snow and the cold don't move to Florida. Think abou it and search my website to see what a bargain you can buy!
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  … (0 comments)

Planning for the Holidays - What to buy my wife (after 22 years) on a low budget? - 10/21/08 06:19 AM
 
Planning for the Holidays - What to buy my wife (after 22 years) on a low budget?
After 22 years together and a low budget, what do I buy my wife as a holiday gift? Every year I try to surprise her and I am running out of ideas. Especially with the slow economy!
Any good ideas?
 
 
 
 
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone … (3 comments)

Florida Investment property - Buy a Condo for 1/2 off Peak Pricing? - 10/21/08 06:14 AM
Florida Investment property - Buy a Condo for 1/2 off Peak Pricing?
it's much harder to get a loan on most condo's or Townhomes that are formed as a condo associatio so the seller may have to take what they can get for it. If you are a cash buyer or an investor with 50% or more to put down, think about condo's near the theme parks in the Orlando area!!!
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a … (0 comments)

You CAN STILL GET A HOME LOAN - 3% or 10% Down Payment, o.k. income and o.k. credit - 10/21/08 06:09 AM
 
You CAN STILL GET A HOME LOAN - 3% or 10% Down Payment, o.k. income and o.k. credit
Check with your REALTOR and/or Mortgage Broker - you can still buy a home and get a great deal with a low interest rate - BUY NOW!!!
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is … (0 comments)

September Sales Numbers Bounce Higher in Central Florida - NO ONE TELLS US ! ! ! - 10/21/08 06:04 AM
 
 September Sales Numbers Bounce Higher in Central Florida - NO ONE TELLS US ! ! !
 The media only shows pictures of homes with signs that say FORECLOSURE or PRICE REDUCED why don't they have one night when they show SOLD.  I just listed, had a contract and closed on a home in Oviedo Florida in 29 days. NOT BAD!!!  The client owned it for a few years and made a very good profit. Where is the doom and gloom in that? Sure they thought they could have made morebut n all reality if you take what they paid for … (0 comments)

Should the Government give a 2nd Stimulus Check before the Holiday Season? - 10/21/08 05:55 AM
Should the Government give a 2nd Stimulus Check before the Holiday Season?
What do you think?
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want … (0 comments)

How much time do you spend a day on Activerain? - 10/19/08 09:42 AM
How much time do you spend a day on Activerain?
 
I find I spend ay least an hour a day - some days up to 4 hours depending on what i am reading and responding to -  what about you?
 
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want … (2 comments)

What do you send to your clients for the holidays? - 10/18/08 11:26 AM
 
 What do you send to your clients for the holidays?  
 
This year I would like to send my top 10 or 20 clients something as a thank you. 
Any good ideas ?????
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct … (6 comments)

Do your clients appreciate what you do for them? I had a buyer and his whole family bring me a bottle of wine and a thank you card this morning! - 10/18/08 11:24 AM
I had a buyer and his whole family bring me a bottle of wine and a thank you card this morning!
Do your clients really know how hard we work for them?
 
 
 
 
 
 
 
 
 
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I … (0 comments)

Did you know that 100% financing is still available? RURAL HOUSING PROGRAM - Ask your Mortgage Broker - 10/18/08 11:22 AM
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then … (0 comments)

Do you need a REALTOR or Mortgage Broker? - 10/18/08 11:20 AM
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then … (0 comments)

How many homes do you have to sell a month? year? to stay in the business? - 10/18/08 11:18 AM
How many homes do you have to sell a month? year?  to stay in the business?
It still amazes me that more and more people are still getting their Real Estate License in this slow market. I'm not sure if they think it's easy or they have nothing else to do?
We still have around 10,000 REALTORS in the Orlando Area. Out of the 10,000 only around 6,000 had any sales at all this year. You would think that the other 4,000 are waisting money keeping their license?
Out of the 6,000 that did have sales, I'm sure some only had … (1 comments)

Who will help the REAL ESTATE MARKET - McCain or Obama ? - 10/18/08 11:07 AM
Who will help the REAL ESTATE MARKET - McCain or Obama ?
Let's be selfish for a moment as REALTORS who will help the Real Estate Market turnaround faster and allow us to make a living again?  We need to build up consumer confidence, stabilize the financial markets and get buyers into homes. Which candidate will not promise but deliver a plan that will work?
 
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What if the LENDER GOES OUT OF BUSINESS BEFORE CLOSING? - 10/18/08 10:56 AM
What if the LENDER GOES OUT OF BUSINESS BEFORE CLOSING?
Scary thought!!!
As I am writing a contract and listening to the news I hear about the takeovers and closing of banks. It pops into my mind, what if the lender goes out of business. We could put it through someone else? The contract doesn't allow for an extension automatically. Should I add an addendum to all my sales that says if the lender goes out of business we automatically get a 15 day extension?  We have a provision for homeowners insurance during a hurricane. Maybe it's a good idea?
What … (8 comments)

Sold in 29 days 2340 PINE ST, OVIEDO FL 32765 www.SKIPtheBULL.com - 10/18/08 10:47 AM
NO HOA - GREAT POOL HOME WITH HUGE 1/3 Acre Lot - This may be the best deal ever available in Oviedo - NO HOA - park your boat, RV or Work Van, HUGE LOT at end of street - great backyard with Screened Pool - What else can you ask for????. Close to UCF, Research Park, GREAT OVIEDO SCHOOLS, No HOA to tell you what to do!!!
 

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Listing appointment today - Owe 3 times Market Value - What do you tell them? - 10/18/08 10:40 AM
Listing appointment today - Owe 3 times what they paid for it 10 years ago!
Well it happens to all of us. We prepare a CMA, we drive out to look at the home, meet with the seller and find out that they took out an equity line last year and they owe 3 times what they paid for it and 40% more than the market value of the home!!!  They want to move! At least they don't have to move and still have a good job!
What do you tell them?   They are stuck!!!   Need a larger home!   They have … (7 comments)

Are you sick of everyone ASSUMING business is bad? - 10/18/08 10:32 AM
Are you sick of everyone ASSUMING business is bad?
I always have something on my shirt that says I am a REALTOR, a RE/MAX BALLOON or a REALTOR PIN and even the check out guy at the grocery stoe asks how's business and when I say pretty good, he has a shocked look on his face!
I hear it two or three times a day, every day! Lets face it, business will never be like it was in 2005 and 2006 but compared to years prior, business is still pretty good for a down market. It's pretty good for a NORMAL MARKET as well.
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Do you think they need to bring back Ameridream or other Charity Based Down Paymet Programs? - 10/12/08 12:13 PM
Do you think they need to bring back Ameridream or other Charity Based Down Paymet Programs?

I have mixed feelings! On the one hand, as a REALTOR & Mortgage Broker, I love to close more deals. On the other hand, if you are going to purchase a home, you should be able to come up with 3% as a down payment.
What do you think?
 
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340 1st street Geneva Florida $139,000 - 100% financing may be available for this home - 10/12/08 10:44 AM
   Mid -Florida Regional MLS                                   Broker Synopsis Report - Residential Property County: Seminole County Zip Code: 32732 Unit #: Status: Active Grid: BQ13 List Price: $139,000 Beds: 3 Baths: 1/1 SqFt Heated: 1,080 Low Price: Pool: N Year Built: 1984 Property: One Story Single Family Home MH Width: Total Building Sq Ft: ADOM: 160 CDOM: 130 Location: Street Paved BANK APPROVED SHORT SALE   - 100% Financing (including closing costs) may be Possible on this home - NO HOA!!! HUGE LOT -  BARN - GREAT SCHOOLS -  Just Listed and available for a quick sale. Park your Boat, RV, Etc. Even comes … (0 comments)

O4865114 3468 WILLSHIRE WAY RD, ORLANDO Town home $100,000 - 10/12/08 10:40 AM
   Mid -Florida Regional MLS                                   Broker Synopsis Report - Residential Property County: Orange County Zip Code: 32829-7354 Unit #: Status: Active Grid: D104 List Price: $ Beds: 2 Baths: 2/1 SqFt Heated: 1,071 Low Price: Pool: N Year Built: 2005 Property: Townhouse 2-3 Floors Townhouse MH Width: Total Building Sq Ft: ADOM: 60 CDOM: 58 Location: In County, Sidewalk, Street Paved Perfert Location, Gated Community, Tenant May Be Willing To Stay?  SHORT-SALE - Come see this great townhome today. 100,000Perfert Location, Gated Community, Tenant May Be Willing To Stay?  SHORT-SALE - Come see this great townhome today.
 
Perfert Location, Gated … (0 comments)

MLS # O4873180 2632 HAZEL GROVE LN, OVIEDO FL 32766 - 10/12/08 10:35 AM
WHAT A BARGAIN - This Spectacular 5 Bedroom 3 Bath 3 Car Garage Home with Heated Pool is now available. Engle makes a great home. Guest Bedroom and Full Bathroom on First Floor, Brick Paver Driveway, Glass Front Doors, All the details you would expect in a luxury home. If you have never been to Live Oak, take a drive in and see what a great place to live. Community pool with water slide, club house, tennis, basketball, Park, Playground & More.  Oviedo has some of the best schools in Florida.

NOT A SHORT-SALE, This Spectacular 5 Bedroom 3 Bath … (0 comments)

Do you think the stock market is safe? - 10/12/08 10:24 AM
Do you think the stock market is safe?
As I sit here blogging and listening to the news. I wonder what will happen in the stock market tomorrow. Should I buy some stock? Buy Banking Stocks? It makes sense since the Federal Government is going to buy stock and inject tons of cash.
 
It's like the housing problem. We all know it's time to buy but many won't.
 
Let's help the economy. Get an e-trade account and buy one share of something tomorrow!
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JOHN McCAIN wins Election by 70% - REALTORS MAKE IT HAPPEN - NO MORE TAXES!!! - 10/12/08 10:05 AM
JOHN McCAIN wins Election by 70% - REALTORS MAKE IT HAPPEN - NO MORE TAXES!!!
 
The nice thing about a blog is that i can write my opinions and until someone tells me different, it's the truth!!!!
As self-employed professionals, can we afford to have Obama as the next president?  There is one thing that should make it easy for you to decide. MORE TAXES vs LESS TAXES,
I had asked if anyone had a good reason to vote for Obama and no one could give me ONE GOOD REASON.
 
So be sure to vote for John McCain
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ETHICS COMPLAINT AGAINST OTHER REALTORS - Do you turn them in? - 10/12/08 09:56 AM

ETHICS COMPLAINT AGAINST OTHER REALTORS - Do you turn them in?

It seems like once every 3 months I deal with an agent that breaks the ethics rules and have to decide if I want to turn them in or not?  The most common one is that the other agent wants me to reduce my commission because they are taking less than I am or they agreed to reduce it to make the seller happy.
They ask after the deal is done. Not before we made the final deal.
What would you do? 
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Orlando area Referrals needed - Richard Shuman P.A. RE/MAX Select - 10/12/08 09:37 AM
Orlando area Referrals needed - Richard Shuman P.A. RE/MAX Select
 
if you have clients looking to move to or from the Orlando area, I would love to help them with their Real Estate & Mortgage Solutions. There are some great bargains available and home listings will sell if they are priced and marketed properly.
What a great time to buy a home in Florida. Prices are close to the bottom and in the good areas home sales are increasing. Why settle after the good deals are gone or why wait until rates rise.
 
IT'S TIME TO BUY IN CENTRAL … (1 comments)

ACORN? Does it amaze you that they get away with this fraud? - 10/12/08 09:29 AM
ACORN?   Does it amaze you that they get away with this fraud?
 
What is going on with us? Why would they not shut them down and throw away the votes. This is making us look stupid all around the world. If it were the republicans stealing votes - making people up - making them vots 15 times, the Obama team would be going nuts.
One thing we need to do is make sure everyone we know does vote in this election. A lot of people I know say they don't care who wins anymore. I tell them they need to … (0 comments)

Homes are still selling - please share GOOD NEWS ONLY! - 10/12/08 09:17 AM
Homes in Central Florida are selling. Last month we had an increase in sales and prices are great. Mortgage rates continue to be great at 6%. It's a great time to buy a 2nd home, retirement home, vacation property or investment homes.

With prices so low, you can now purchase homes with 10% -20% down and rent it for more than your payment. JUMP IN WITH BOTH FEET.
Look at it logically. The cost of construction is $70 a sqft +/-
Land cost $25k - $100k
If you can buy a home for close to actual cost or maybe even … (0 comments)

EASY WAY TO TURN-AROUND STOCK MARKET IN ONE WEEK!!!! - 10/12/08 09:05 AM

It seems to make sense that one reason people are selling off their stocks is because Obama seems to be leading the polls and no one wants to pay more for capital gains. Is Obama killing the stock market?  If we all email the news media that we are voting for McCain. Maybe the market will calm down?
What do you think?
 
 
… (3 comments)

Reasons to smile during these crappy economic times!!!! What do you think? - 10/11/08 07:26 AM
Reasons to smile during these crappy economic times!!!!
Did you smile?
 

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John McCain will be better for REALTORS - Self-Employed People need lower taxes!!! - 10/11/08 06:57 AM
John McCain will be better for REALTORS - Self-Employed People need lower taxes!!!
Obama thinks that we are all rich!  What do you think?
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Let's Talk Politics - WHY ARE YOU VOTING FOR OBAMA? I really want to know!!! - 10/10/08 06:59 AM
I really want to know why so many people are voting for Obama!  No one will give me a real answer so please comment on this blog but don't tell me HE'S NOT BUSH!!!  We all know he's not BUSH and John McCain isn't BUSH either!!!
If you can give me real reasons, maybe I will change the way I think and vote!!!
 

… (7 comments)

Let me help you find a home, negotiate a contract, shop for a loan and everything else you need to be able to relocate with a minimum amount of stress!!! - 10/05/08 09:59 AM
Let me help you find a home, negotiate a contract, shop for a loan and everything else you need to be able to relocate with a minimum amount of stress!!!  Available 7 days a week to help you!
SEE WHAT OTHERS HAVE TO SAY ABOUT MY SERVICE - www.SKIPtheBULL.com
NO GAMES ~ NO GIMMICKS ~ NO BULL 
Award winning REALTOR with RE/MAX Select for almost 4 years in a row.
REAL ESTATE & MORTGAGE SOLUTIONS WITHOUT THE "BULL".
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a … (0 comments)

Most REALTORS want McCain to be President? - 10/05/08 09:54 AM
From talking to friends and other REALTORS - most of them want John McCain to be President and feel that he will be best for the housing problem in the United States.
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If … (0 comments)

Need Advice Buying or Selling a Home in Central Florida? www.SKIPtheBULL.com - 10/05/08 09:50 AM
Available 7 days a week to help!
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate … (0 comments)

Need a REALTOR to sell your home - I can refer one anywhere in the United States - 10/05/08 09:48 AM
 Need a REALTOR to sell your home - I can refer one anywhere in the United States
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more … (0 comments)

Get a Deal on a Home in Central Florida - www.SKIPtheBULL.com - 10/05/08 09:46 AM
 I will find you a great deal and a great loan - why wait?
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, … (0 comments)

Sell your home faster in the Orlando area - www.SKIPtheBULL.com - 10/05/08 09:43 AM
 
 
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with … (0 comments)

Almost Wholesale Pricing for Florida Mortgages - www.WholesalePlusMortgage.com - 10/05/08 09:41 AM
Almost Wholesale Pricing for Florida Mortgages - www.WholesalePlusMortgage.com
Why pay retail for a Mortgage? 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, … (0 comments)

Will Home Sales Continue to Drop in Florida? - 10/05/08 09:32 AM
It looks like everyone is going to hold off or get a great bargain if they buy now! WHY WAIT?
It amazes me that home buyers are not jumping at these bargains. If they don't act soon, they may not be able to get a loan?
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct … (0 comments)

BAIL-OUT Won't Help First Time Buyers - www.SKIPtheBULL.com - 10/05/08 09:29 AM
The Bail-Out plan should have included bringing back Ameridream and programs like it to help first time buyers purchase a home!
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your … (0 comments)

Non-FHA Buyers will need 10% as a Down Payment but You Can Still Get a Loan!!! - 10/04/08 09:27 AM
 
Non-FHA Buyers will need 10% as a Down Payment but You Can Still Get a Loan!!!
 
The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com  I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth … (0 comments)

See how much you can spend on a home www.How-Much-Can-I-Spend.com - 10/03/08 06:30 AM
FAST & FREE TOOL
 
See how much you can spend on a home www.How-Much-Can-I-Spend.com 
… (0 comments)

The Make-Sense Bailout Plan - Why not refinance EVERYONE to a 4% 30 Year Fixed Mortgage if they qualify. That would free up a ton of cash for consumer spending and keep more people in their homes!!! - 10/03/08 06:27 AM
Why not refinance EVERYONE to a 4% 30 Year Fixed Mortgage if they qualify. That would free up a ton of cash for consumer spending and keep more people in their homes!!!
 
 
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Happy Halloween - Still Time to Move in before Halloween - 10/03/08 06:14 AM

If you are looking to buy, sell and/or finance a home in Central Florida, contact me for the NO BULL ANSWERS!!! www.SKIPtheBULL.com Richard Shuman P.A.Mortgage Brokerage BusinessREALTOR - RE/MAX Select
 
 
Copyright © 2008 Richard Shuman P.A. Mortgage Brokerage Business, REALTOR - REMAX Select1803 E. Broadway St Oviedo Fl 32765Oviedo, FL 32765407 448 7759
… (0 comments)

 
Bull_2 Rainmaker_large

Richard Shuman REALTOR/BROKER 4074487759 Florida Wholesale Realty SKIPtheBULL.com

Longwood, FL

More about me…

The Only B.S. I Have is from the University of Massachusetts

Address: Florida Luxury Home, Florida Foreclosure, Florida Short Sale, Florida REO, Florida Real Estate, Florida New Homes, Florida Condo, Lake Mary Real Estate, Oviedo Real Estate, Longwood Real Estate, Altamonte Springs Real Estate, Winter Springs Real Estate, UCF, Central Florida, FL

Office Phone: (407) 448-7759

Cell Phone: (407) 448-7759

Email Me

Richard Shuman - Central Florida Real Estate without the "BULL". www.SKIPtheBULL.com Looking for a New or Used Car, Truck or SUV, CALL RICHARD 4O7 448 7759 Cory Fairbanks Mazda - Longwood Florida 17/92 at 434 www.TradeMyCarToday.com


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