BUY SELL MORTGAGE HOMES in SW FLORIDA

REAL ESTATE NAVIGATION BAR

CHRISTOPHER LADD HARKER LLC — Fri, 02 May 2008 17:56:19 -0500

buyer
FREE REPORTS SAVE MONEY FREE ADVICE FREE LOAN HELP WHO WE ARE SOUTH WEST FLORIDA HOME BUYING HOME FINDER  MORTGAGE INFORMATION HOME CENTER YOUR HOMES VALUE SITE SEARCH CONTACT US NEWS STAND HELPING TOGETHER  LIFES WONDERS  FAMILY OF SITES COCONUTS 'R' US WATCH CHRIS MISS AND LAUGH A LITTLE CHRIS HOME DOCTOR - LAUGH AGAIN ABOUT THIS SITE FREE - GIFT FOR SUGGEGTIONS SPEAK SOUTHWEST FLORIDIAN TRUE COST FOR HOME HERE DO NOT MOVE HERE HIT THE BULLS EYE AND BE A WINNING BUYER
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mortgage
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seller
FREE REPORTS SAVE MONEY FREE ADVICE FREE SELLER HELP WHO WE ARE HOME SELLING HOME FINDER SALES CENTER HOME CENTER YOUR HOMES VALUE SITE SEARCH CONTACT US NEWS STAND HELPING TOGETHER LIFES WONDERS FAMILY OF SITES COCONUTS 'R' US WATCH CHRIS MISS AND LAUGH A LITTLE CHRIS HOME DOCTOR - LAUGH AGAIN ABOUT THIS SITE FREE - GIFT FOR SUGGEGTIONS SPEAK SOUTHWEST FLORIDIAN TRUE COST FOR HOME HERE DO NOT MOVE HERE HIT THE BULLS EYE AND BE A WINNING SELLER

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HOME BUYERS GOOD ADVICE FOR FREE

CHRISTOPHER LADD HARKER LLC — Fri, 18 Apr 2008 09:45:57 -0500

   PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
   Office free 866-738-5517 Pay 239-455-1977   Free fax 941-375-3658
                   CHRIS CELL 239-682-0182
       BUYERS-ALMANAC      SELLERS-ALMANAC          MORTGAGE-ALMANAC

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SOME GOOD FREE HOME BUYING ADVICE

"I think this is actually the biggest (real estate) bubble in U.S. history and possibly even world history." Robert J. Shiller, Stanley B. Resor Professor of Economics, Yale University.

GET CHRIS's PACKETS SOUTH WEST FL HOMES UNDER $200,000

Want to BUY A HOME?

Call CHRIS today! OK

You Can't Miss

With Chris

Chris's Free Credit Report page.

Chris can help you get your Federally offered free credit report or buy your Federally offered inexpensive credit scores.

Credit and Homeownership by FreddieMac

If you're thinking about buying a home, you should also be thinking about your credit. The first step is...... READ MORE

Buying and Owning a Home by FreddieMac

Huge online guide to the home buying process, designed to help you figure out if you are ready and willing and able for Home Ownership. ......

WANT TO DRIVE A HAUNTED HIGHWAY?

CHRIS's communiqué Got Kids - What Do They Think?
REALTY TIMES Article Explaining Real Estate to Kids -- And Their Parents
Says That Children Play a Very Important Role in Home Selection These Days.

AFTER HE HELPS YOU FIND YOUR HOME
in BEAUTIFUL SUNNY SOUTHWEST FLORIDA
CHRISTOPHER WILL GLADLY FREE of CHARGE
SHOVEL THE SNOW FROM YOUR FRONT WALK-WAYS

left - photo taken at

FT MYERS & NAPLES

December 19, 2005

A SNOW STORM struck across South West FLA today, SUPRISING both the locals and tourist. Many people went walking and all seemed to enjoy the white stuff while it lasted.

HARKER the HOME BUYER'S COP

CHRIS

OTTER BE

YOUR

BUYER'S

AGENT

BUY NOW. SELL YOU LATER

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS

CALL US NOW - DON'T YOU WAIT

FLORIDA IS A DANGEROUS PLACE TO LIVE - HURRICANES,LIGHTENING,FIRES

CHRISTOPHER LADD HARKER LLC — Thu, 17 Apr 2008 15:32:37 -0500

       PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
         GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
         Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
             CHRIS CELL 239-682-0182   SEE $8172.50 SAVINGS EXAMPLE
     BUYERS-ALMANAC     SELLERS-ALMANAC     MORTGAGE-ALMANAC

POWER SAVING$

SEE CHRIS's BUYERS BARGINS
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FLORIDA CAN BE DANGEROUS

SOME OF THE MOST DANGEROUS THINGS ARE HERE

Hurricanes
Lightening
Gators
Snakes - Lizards
Wild Fires
Tornadoes
Sink holes
Sharks - Rip-tide
Funny people

see pictures of Living with Disaster

When you choose CHRIS (YOU CAN'T MISS) HARKER
you'll be glad you did - you better believe it.
MUCH MORE INFORMATION AT
HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC

We are Licensed Realtor and Mortgage Broker.
A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING

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TAKE A MINUTE & VISIT SOUTHWEST FLORIDA - SEE HOW MUCH YOU LIKE IT

CHRISTOPHER LADD HARKER LLC — Thu, 17 Apr 2008 08:20:12 -0500

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SEE CHRIS's BUYERS BARGINS
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ABOUT SOUTHWEST FLORIDA

SOME OF THE MORE USEFUL PLACES TO VISIT

Local News Daily Local News Weekly Weathe r

Consumer Entertainment Sports

Video Ft Myers Video Naples

GOV - Lee County GOV - Collier County

Schools Lee County Schools Collier County

Phone Book

HERE ARE THINGS ABOUT FLORIDA
Definitions & Phrases
Special Emblems
How People Pronounce
Poems and Poets
Songs/Song Writers
Speech Resources
Writers and Prose


HOW TO SAY YOU

YUNS CAN'T MISS WITH CHRIS        YOUSE CAN'T MISS WITH CHRIS
YOU CAN'T MISS WITH CHRIS          Y'ALL CAN'T MISS WITH CHRIS
YIZ CAN'T MISS WITH CHRIS            YER CAN'T MISS WITH CHRIS


FLORIDA STATE SYMBOLS SITE



What is the Florida State Bird?
Construction Crane
WE ARE ON THE GROW DOWN HERE IN SOUTHWEST FLORIDA

When you choose CHRIS (YOU CAN'T MISS) HARKER
you'll be glad you did - you better believe it.
MUCH MORE INFORMATION AT

HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC

We are Licensed Realtor and Mortgage Broker.

A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING

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BUYERS BARGINS

CHRISTOPHER LADD HARKER LLC — Wed, 16 Apr 2008 19:41:31 -0500

            PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
              GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
          Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
                CHRIS CELL 239-682-0182   SEE $8172.50 SAVINGS EXAMPLE
              BUYERS-ALMANAC    SELLERS-ALMANAC     MORTGAGE-ALMANAC
POWER SAVING$
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HOME PRICES REDUCED TODAY
1000's OF BIG TIME BARGINS FOR YOU TO BUY .
   Allow Chris to show you some of these bargins today.  866-738-5517

Chris says RIGHT NOW is the Time To Buy! "I think this is actually the biggest (real estate) bubble in U.S. history and possibly even world history." Robert J. Shiller, Stanley B. Resor Professor of Economics, Yale University.
This bubble shrunk down and this cooling down of the housing prices makes it a great time to buy a home in Southwest Florida. Homebuyers in Southwest Florida have never had so many thousands of new and re-sale home choices and at prices that are truly unbelievable. (Anyway, Chris can't believe it). All types of homes available -golf course, waterfront, gated communities, single-family homes, villa and condo homes.
BUYERS BARGINS. Chris wants to say please listen - this will not continue. Many many 1000's of homes are on market for 20% to 40% off in Southwest Florida. Take a peek at some typical reduced homes prices on our site then give Chris a ring. Just example of 1000's CHRIS' SAMPLE OF BARGINS
Interest rates are low, and Southwest Florida property taxes and home insurance rates have been slashed - all in a beautiful, sunny, and prosperous area.
So if you've always talked about owning a home here in our warm and wondeful Florida, contact Chris to get started. But don't you wait too long.

CHRIS.LIST.SOUTHWEST.FL.HOMES.UNDER.$200,000
A REALTOR at Premiere Plus Realty
Naples, Ft Myers, and all the Islands, Florida

AND ALSO

***A MORTGAGE BROKER at* *Gulfside Mortgage Inc.***

Bonita Springs, Florida between Naples & Ft Myers

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PLEASE VISIT US AGAIN SOON

About

CHRISTOPHER LADD HARKER LLC — Thu, 20 Mar 2008 10:00:57 -0500

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

POWER SAVING$

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PROFILE of CHRIS HARKER

When you choose CHRIS (YOU CAN'T MISS) HARKER
you'll be glad you did - you better believe it.
MUCH MORE INFORMATION AT

HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC

Licensed Realtor Agent and Mortgage Broker.

A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING, and MORTGAGES - and HOME LIFE IN BEAUTIFUL SW FLORIDA...... IDEAS ON HOW TO DO IT....
About Us

I am MORTGAGE BROKER & REALTOR. My EXPERIENCES and SKILLS are many, I am a hard worker, and I feel I am a top notch person to assist you with your HOME MORTGAGE ....

I am assisted by my equally hard working wife, DEANE HARKER, retired Managing Pharmacist. We have five children, nine grand children. I was born a "WEST (by God) VIRGINIAN" and Deane is "NORTH (Tar heel born and bred) CAROLINIAN". There are so many details (CREDIT REPORT, APPRAISING, INSPECTING, SURVEYING, MOVING etc etc etc) involved when you get a MORTGAGE for your home. We really do make these important matters LESS STRESSFUL for you as OUR CLIENTS.

CHRIS and DEANE DINING CHRIS IN AN OFFICE

Enjoy a variety of informational and educational materials on the subject of HOME MORTGAGE and HOME OWNERSHIP, by a married couple with 5 children and 9 grand-children who have had many mortgages for their own family homes, gone through many relocations around the country and know the ins and outs of being property owners in many states.
Specialties: MORTGAGE BROKER, RESIDENTIAL REAL ESTATE, HOME BUYERS AGENT, FIRST TIME HOME BUYERS AND SELLERS, HOME SELLERS LISTING AGENT, CONSULTANT.

Organizations: (NAMB) NATIONAL ASSOCIATION MORTGAGE BROKERS, (GRI) GRADUATE REALTORS® INSTITUTE, (NAR) NATIONAL ASSOCIATION REALTORS®, (REBAC) REAL ESTATE BUYERS COUNCIL

Activities: THEATER, GARDENING, CHURCH, TRAVELING.

Hobbies: COOKING, MOVIES, I ENJOY HUMOR

Favorite Books: HISTORY, HOW TO BOOKS, COOKBOOKS

Slogan: YOU CAN'T MISS WITH DEANE AND CHRIS, GIVE US A VISIT/CALL. TAKE 15 MINUTES AND YOU WILL BE GLAD YOU DID

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...FREQUENT SELLER QUESTIONS - TYPICAL THINGS SELLERS WONDER ABOUT...

CHRISTOPHER LADD HARKER LLC — Mon, 03 Mar 2008 21:36:40 -0600

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

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QUESTIONS SELLERS COMMONLY ASK----

When you work with Chris he will try to make sure you understand everything. This helps you to feel you can control what is happening and will keep you confident in the selling process. Read on......

Q. What are the important factors when I sell my home?
A. Chris feels the location is the most important, but you have no control over that. You do control your home's condition and selling price. Chris as your Seller's Agent will work with you on both of these. He has the tools to assists us with setting the appropriate selling price. He has the experience and judement to advise you on what things might be done to put your home in an appropriate condition for presentation to buyers.
Q. What things are sold with your home?
A. Objects that are attached to the house or property itself, whether they are nailed, screwed, planted or otherwise affixed, stay with the house and are included in the sale; light fixtures, built-in appliances. When Chris and Deane sold our home, we had expensive chandeliers and bathroom water faucets. We said in listing contract that we would replace these with an inexpensive substitutes, unless the buyers wanted to buy them. We itemized dozens of items that were negotiable this way.
Q. What is a Lockbox?
A. Most agents in Ft Meyers and Naples area use electronic boxes, which operate on an infrared system, so no old fashioned key is required. The box has a U hook that fits around the Door Knob. Below this hook is a key box that holds the keys to your home. This key box is opened when the agent points a remote control and a release mechanism is triggered. A built in cell phone, in the box hidden behind the key box, phones the central computer to see if this remote control is authorized with the proper password. The password is changed each night by the central computer when Chris puts his remote control into the telephone cradle at his desk. When the key box is released giving Chris the key to your house, a sensor records his user ID and phones it back to the central computer. Chris can query the central computer any time and find out which agents have visited your home and at what time.
Q. What is Seller's Remorse?
A. When you sell your home you might become worried and fearful that you've made a mistake by selling. You feel maybe you sold your home for less than it's worth. Or maybe you sold a home that was irreplaceable and you will always miss it. This is seller's remorse and it happens when you are beginning to have doubts about your ability to do something so complicated as selling your house. Choose a really good real estate agent and fully understand what is being done and why. When you do in fact participate in the selling process, and take the opportunity to question things as they happen and even cause somethings to be done differently, then you feel confident about the whole process and its outcome (the successful sale of your home with your participation and thoughtful guidance).
Q. What is Escrow?
A. An escrow is a bank account and officer in charge of it, who is a neutral person who holds all of the documents and funds related to your homes sale and simultneous purchase process. The account will be opened as soon as a buyer gives an earnest money deposit to the agent to demonstrate to you as the seller, that the buyer earnestly desires to buy your home. The escrow account and officer may be an attorney, escrow agent, or title agent. The money will be held on account until the closing of title when it will be turned over to the sellers. In Florida, the money can earn interest at the request of the payer. Some of the states where Chris has been licensed require that all escrow money be paid interest. But here in Florida you must formally request it.

The laws are very clear on dispostion or disbursement of the escrowed money by the esrow officer.And the rulings by the courts always favor the seller. Many a buyer has lost their earnest money deposit to the seller in contract disputes. The most common of these involve the lender promising the buyer that the buyer would get a mortgage loan, the buyer then releases the financing contingincy in the purchase contract, then three days before closing, the lender withdraws their promise because they learned of undisclosed information about the buyer. The buyer cannot purchase the home since the loan fell through. This is an open and shut case. The escrow officer will be directed by Florida Real Estate Commission to disburse the money to the seller.
Q. What is Agreement of Sale?
A. This is the most important document in sale of your home. It is the contract that specifies the terms of the deal. The agents involved prepare and present this to the sellers and buyers It specifies the names of the parties, a description of the property taken from the deed, the sale price,and provisions such as how much is the deposit, what items such as appliances convey, what inspections will be needed, who pays the cost of needed repairs, how long does the buyer have to obtain a committment for a mortgage, etc
Q. What is the Closing of Sold Home?
A. This is the formal meeting of the seller and buyer with their closing agents who are attorneys or title agents. They can all be together or more usually the buyers and their closing agent meet and the sellers and their closing agent meet. Or often the paper work will be done by the closing agent(s) and forworded by courrier to a party such as specially designated real estate agent or bank officer. Then the buyer or seller will meet with that designee. For three of the last Close of Sale that Chris and Deane had for their own homes, Chris was in one state and went to a designee and Deane was in another state and went to a designee, after their closing attorney had forwarded needed paper work to the two designees.
The closing agents will work with the lender(s), the real estate agents, the title insurance companies, and other services, they will calculate where all the dozens of different categories of money are disbursed, finalize all the legal documents, explain all documents to the buyer seller, be certain all signatures are correct, record all documents at the court house, and send out all the money. This all takes about five days. It is infrequent, but some problems can come up after the closing.
Q. What is Property Disclosure?
A. Florida law does require you as the seller to disclose to the new buyer, all material defects about your home that you are aware of. Florida has a form that the owner fills out, and on the form you go through all the list of material items and check yes, no, don't know. Then you sign the form as truthful. It is important for you to make an effort to fully disclose everything you know about your home. What the law is looking for as a material fact includes facts about the house's condition (roof leaks) and legal issues (bathroom redone without a permit) that could negatively impact the home's value.
Q. How do I know what to sell my home for?
A. Deciding a listing price for your home is one of the more important decisions you need to make. If you price too high, potential homebuyers will not look; if you price too low, you may leave money on the table. Two methods are used to calculate a price: the comparative market analysis (CMA) and a certified appraisal report.They both compare the list price and final sale price of homes similar to yours that are in the same neighborhood and factor in the home's condition, and amenities, such as a view, that may increase the value of your home.
Q. Can I sell my home for less than what I owe on it?
A. This is called a Short Sale and it depends on the lender. Maybe the lender will let you a part of the difference between the sale price and loan amount, and the lender will write off the rest as a loss. which still must be paid. The lender may need to get permission from Fannie Mae or Freddie Mac or the PMI insurance company.
Q. If I am going to sell my home at a loss, can I deduct this from taxes?
A. The IRS does not allow this to be deducted. Chris has a friend who did one thing to make a deduction allowable. She knew in December that she was going to move to another state in June. She placed a small home-for-rent ad in the classifieds for a month to month rate of $45. She listed the house in the MLS in June and moved. The home had a buyer in October. The fact that she had actively pursued a renter for 12 months, made the home an investment property. She deducted the capital loss at the rate of $3,000 per year for six years.
Q. Do I have to pay taxes on the money I receive for my home?
A. No. You pay federal income tax on any Capital Gain Income from owning the home. And the first $250,000 ($500,000 for couples) of Gain is exempt from taxation. Gain is the difference between what you paid to buy and improve the home, and what you sell the home for. The tax rate for Gain is significantly lower than the tax rate for regular ordinary income. You also must have used the home as a residence for at least two of the five years before the sale.
Q. Is it better to sell or buy first?
A. This depends on the situation. In Oct 2004, Chris calculated that it was THE right time to sell in Daytona and buy in Naples. He felt that if he did not sell by end 2004 or early 2005, he could not sell for maximum price. He sold in May 2005. He figured the time to buy in Naples was immediately. He bought in December 2004. So he bought 6 months ahead of selling. It was a gamble that paid off well. ( by summer of 2005, the house he bought in Dec 2004 went up in value and the house he sold in May 2005 went down in value ). Can you make two mortgage payments if you would wind up needing to? If the answer is no, then you have to sell first. But then where do you put all your things and yourself if you don't own another home to go to. If you sell first, it frees up your equity and tells you for sure what home you can buy on your next home. If you cannot cover double mortgage payments, you can try to take a bridge loan, a short term loan that bridges the period between the sale of your current home and the purchase of your new home.
Q. Could you explain some of the Newspaper abbreviations?
A. Here are a few of the mystery words.
The first home Chris sold in 1976 was 3 br, 2 ba, crpt
assum. fin = assumable financing
ba = bath room
br = bedroom
crpt = car port
dk = deck
expansion pot'l = potential to enlargen home up or out
FROG = finished room over garage
gar = garage
gard = garden
fab pentrm = fabulous pentroom underneath the roof
FDR = formal dining room
grmet kit = gourmet kitchen
HWF = hardwood floors
hi ceils = high ceilings
HOA = home owners association
In-law potential = maybe make a separate apartment
lsd pkg.= leased parking area
lo dues = low HOA dues
nr bst schls = home is located near best schools
pvt = private
pwdr rm = powder room (half-bath)
upr = upper floor
vw, vu, vws, vus = view
Q. Is it OK to let my buyer move in to the home before inal closing?
A. Sometimes the buyer wants and needs this. Boy is it risky. Chris as Seller's agent would say perhaps when there is a construction permanent mortgage, and the buyer has effectively bought the home before it was built. But much can blow up. The loan might fall through. These owners-to-be are actually renters and they may damage the home, and then the loan falls through. They may start modifying the home by painting, or building a deck. The worst night mere which does happen is they burn the home down, and then who wants a burnt down home. If it seems just absolutely necessary it can be handled with a standard contract addendum that covers early buyer possession.

Got a Question About HOME SELLING?
Call CHRIS today! OK
You Can't Miss
With Chris

THANKS. Christopher Harker
         YOU CAN'T MISS WITH DEANE and CHRIS
                         CALL US NOW - DON'T YOU WAIT
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TRY FSBO FOR A WHILE - TRUE CASE OF SOMEONE "REALLY" REGRETTING THIS

CHRISTOPHER LADD HARKER LLC — Mon, 03 Mar 2008 21:29:05 -0600

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

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USE REALTOR NOW or LATER?

Some people try selling their home by themselves for a TRIAL period and regret it. Read on.....

Robert Irwin is an accomplished real estate expert and author and former Broker. Chris owns 10 of his works and has learned much from them. Just look over some of his four dozen books at the private LANDLORD AGENCY. Mr Irwin is author of The For Sale by Owner Kit where he says "I always recommend trying a fizzbo before listing with an agent. Hang a sign out front for 30 days and see what happens. The guy next door may want it".
JUST ONE EXPERIENCE FROM CHRIS: Years ago, Chris would recommend this to friends and family, until his friend got badly injured. His friend who wanted to list with an agent, at Chris's insistance, put up a FSBO sign, just to make a "trial run". And after 30 days with not one visitor, he listed it in MLS with an agent.
A couple across town found out (because it was in MLS) about it being for sale and said "John we have been admiring your house on the water for years. We wish we would have known it was for sale. We just purchased an MLS house through our Agent." It took John 9 mounths to find a buyer.
What Chris learned was, for every single day that your home-for-sale is not given full and complete exposure to the market place of buyers, you may be missing a one and only buyer for your home.

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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....MANY PROFESSIONALS ADVISE USE OF A REALTOR - HERE IS A SAMPLING....

CHRISTOPHER LADD HARKER LLC — Mon, 03 Mar 2008 21:21:55 -0600

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

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PROFESSIONAL RECOMMENDATIONS TO USE REALTOR ----

Some people try selling their home by themselves and regret it. Read on..

Selling your home yourself, without having an agent represent you, is a transaction commonly referred to as a For Sale By Owner or FSBO ("fizz-bo"). Some people who have tried the FSBO route and lost a lot of money by doing it, refer to it as FSBI ("fizz-bee") or For Sale By Idiot. There are several reasons to use a seller's agent to represent you in the selling of your home.
AARP: Don't be "penny wise and pound-foolish." A lot is at stake when you sell your home. It is not simply a matter of finding a buyer. Legal documents describing the responsibilities of the buyer and the seller must be prepared. State and local laws and rules must be satisfied. Some people may be knowledgeable enough to handle these details on their own, but most of us need help.
CNN MONEY: Hesitance to pay a broker's fee, which often is as high as 6 percent of the sales price, can also backfire. Selling a home on your own can be a boon to your bottom line, but it's a lot of work and if you don't do it right you may give up and go with a commissioned real estate agent anyway.
Equity Title Company: It's always a good market in real estate - when you know what you're doing. Structuring transactions, arranging financing, and finding the right buyers are some of the keys to success. And no one knows more about the trends in today's market than your local real estate broker or agent.
Forbes: You might look to save the commission by not hiring a real estate broker, but that could very likely translate to a lower offer from a savvy buyer who realizes you are doing just that. You need to hire a real estate agent with a reputable company in your area that can demonstrate a track record of successfully marketing and selling homes like yours. A sign in the yard and some newspaper ads just won't do the job anymore. Your agent needs to apply a sophisticated, fully integrated marketing approach, which would include distinctive signage, multiple Web listings, editorial media-type coverage, and even first-rate direct mail.
Home Connections, Inc. David Hollies: You want to sell your home for the best price. Start by enlisting a real estate agent and making a list of needed projects, to maximize the potential of your home. Use this list to determine what to do before listing your home for sale.
House Selling For Dummies: You may not know how to price property. If you underprice your house, you may sell it below its market value - shortchanging yourself thousands, perhaps even tens of thousands, of dollars. Say good-bye to the commission you "saved."

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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PRICING HOME FOR THE LISTING - A CRITICAL STEP - DO NOT MAKE A MISTAKE

CHRISTOPHER LADD HARKER LLC — Mon, 03 Mar 2008 21:10:17 -0600

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
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PRICING YOUR HOME ---

How do you set a listing price... Read on

It is a fact that when buyers look at your home, they are always curious about what you paid for it. Well this is a public record at the courthouse. And of course the price you paid for your home has nothing to do with what you are asking for it today. Chris paid $50,000 for a home which today is worth $35,000 and Chris paid $50,000 for a home which today is worth $800,000. So what.
The price that you list your home for, will not be related to three things. What you paid for it at some past time. What you could have sold it for at some past time. What you perhaps can sell it for at some future time. Chris' nearby neighbor paid $250,000 for a home in 2000. He could have sold it for $650,000 in 2005. He will likely be able to sell it for $1,000,000 at some time in the future. He has it MLS listed in 2007 at $500,000.
The price you list your home for today will be the 'fair market value' if you in fact wish to sell it. Some agents will suggest unrealistically high asking prices. This is called in the business, buying the listing. You need to be cautious when agents you interview suggest listing at a price that is out of line with the prices of other homes like yours. Maybe someone will pay too much for your home. But buyers are generally too smart to overpay. And the higher price (beyond fair market value) will hide your home from the eyes of a possible buyer.
There are plenty of agents who will list your home at a price that is to high (and too low - need be careful here too). Later when your home does not sell, these agents start suggesting big price reductions. To get the attention of the buyers and their agents in your area, give your home a fair market value price from the very start.
When Chris as your Seller's Agent lists your home, he will use the computer to prepare his own special comparative market analysis (cma) for you, called PHPP (Personal Home Price Package). This will show you the data about the relevant recent sales nearby your home that are comparable to your home. This will include any recent listings that did not sell. This is our beginning point to figure out a price. Chris as your Seller's Agent will advise you on a few other things which we may need to consider in order to possibly adjust the PHPP (Personal Home Price Package) indicated price.
What about your home makes it unique and one of a kind?
What Staging and Fixing can and will be done at what cost to enhance homes appeal to the public buyers?
How many homes like yours and of all types are for sale?
What is the Housing picture for your area. (many or few homes coming on the market)?
Is the market a buyers market or a sellers market? And is it on the border line of switching from one to the other?
Using this information and good sense judgements, you as seller and Chris as your agent, should be able to arrive at an appropriate listing price.

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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FREQUENT MORTGAGE QUESTIONS: Credit Bureau, Credit Report, Credit Rating

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 23:58:17 -0600

GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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FREQUENT MORTGAGE QUESTIONS
Q. What are Credit Bureaus and how do they work?
A. There are three of them: Equifax, Experian, and Trans Union. These three private, for profit, credit bureau businesses, have computers and files and they collect and store all the credit information in this country. Overall 1000 smaller, local credit bureaus that are also private, for profit, credit bureau businesses, that also have computers and files and they collect and store all the credit information in there geographical area. These 1000 companies affiliate with and contribute their information to one of the big three Credit Bureaus. The big three credit bureau companies are competitors and do not share information. Some lenders and creditors report information to one of these systems, and sometimes they report to two or all three. To get all your credit information, you must check all three credit bureaus. (this is changing in couple years or so)

Q. What type of information do Credit Bureaus collect and sell?
A. They collect and sell four basic types of information:
Identification and employment information: Your name, birth date, Social Security number, employer, and spouse's name are noted routinely. The consumer reporting company also may provide information about your employment history, home ownership, income, and previous address, if a creditor asks.
Payment history: Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as the referral of an overdue account to a collection agency, also may be noted.
Inquiries: Consumer reporting companies must maintain a record of all creditors who have asked for your credit history within the past year, and a record of individuals or businesses that have asked for your credit history for employment purposes for the past two years.
Public record information: Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.

Q. What is a Credit Report?
A. A Credit Report ( also called a credit file disclosure), prints out all of the information in your credit file maintained by one of the Credit Bureaus. They are given to you and to third parties, such as a lender or employer or service provider like an insurance company or bank. A credit file disclosure also includes a record of everyone who has received a report about you within a certain time period. There is a screening so that not all third parties receive all information. For example, your medical account data is suppressed for a third party considering you for a home mortgage.
Q. What are the benefits of having a good Credit Rating?
A. Everything you do winds up in a Reporting file. WHY? Businesses and persons find themselves required, if they are prudent, to PAY MONEY for it. It cost much money to hire people, and provide services to people (such as loaning them money). So it is wise to learn somethings about them before you take this financial risk. When the Reporting files have favorable things to say about you, you can get credit cards, loans, cars, furniture, jobs, mortgages, bank accounts, home and health insurance, and all the rest. But while you might not necessarily be denied these things, people just like to know if you been sued, arrested, bankrupt, fired, and in the habit of never paying your bills. As far as a home mortgages go, having good credit means lower interest rates and lower interest rates mean smaller monthly payments.
Q. What is the Fair Credit Reporting Act?
A. The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of the nation's consumer reporting companies. The FTC enforces the FCRA with respect to consumer reporting companies. Recent amendments to the FCRA expand consumer rights and place additional requirements on consumer reporting companies. Businesses that provide information about consumers to consumer reporting companies and businesses that use credit reports also have new responsibilities under the law.

Q. What is a credit score, and how does it affect my ability to get credit?
A. Credit scoring is done by computers in a second. Creditors use this to quickly and reliably determine whether to loan you money and how favorable the terms will be.
Data about your credit experiences, such as the number and type of accounts you have, late payments, how much outstanding debt, and about you such as your pesonal profile, are plugged into a computer's statistical formula, and out pops a number that purportedly predicts how likely it is that you will repay a loan and make the payments on time, or skip town. And now the trick. You can get your report for free which does not tell you if you will get the loan, but you must pay money to get your scores.
Q. How can I figure out which of the 1000 Credit agencies has my data?
A. When an application is denied because of information supplied by a certain Agency, the creditor that denied the application must provide you with the name, address and telephone number of that Agency. When you have moved around the country as is so often the case these days, and you are wanting to just check for possible problems, then you can find the Credit Agencies for different cities in the phone book. The danger in letting possible problems go untended is: you can get an all clear from the big three agengies and then at the last minute, this thing that you did not even know about, becomes uncovered from some city where you lived five years ago and the Lender wants it removed.
Q. How many years can the Credit Agencies report unfavorable information?
A. Seven years usually, but there are exceptions:
Bankruptcy information for 10 years.
Information reported when you apply for a job with a salary over $75,000 has no time limitations.
Information reported when you apply for over $150,000 worth of credit or life insurance has no time limitation.
Information about any lawsuit or judgment can be kept for over seven years if the statute of limitations goes beyond seven years.
Information about criminal convictions has no time limit.

Q. How about a report that is inaccurate?
A. Tell the Credit Agency. The agency may have a free phone number, or when you go in person, they are usually very friendly and helpful. They have paper work for you to fill out and please be very specific. And you contact yourself the creditors you are referring to in your complaint. After the agency investigates, they will fix it, and a corrected consumer report will be sent to you, and if you want, to anyone who received your report in the past six months or for job applicants in the past two years. If the agency will not change your information, they must include your version of the disputed information in your file and in future reports. You will fill a form for this and this is very useful and free.
Q. Our Credit reports do not have several creditor accounts that we have, and we are confused about why these accounts are not listed.
A. Your Credit file will not always list every creditor account you have. For example, often accounts for gasoline, travel, entertainment, credit unions, retailers, and bank cards are not included in your file. And it may (not always) be helpful for you to have these listed. If you are having weeker credit due to not enough credit use history, ask the Credit agency to list these accounts in future reports. They are not required to, but they often will.
Q. What right do I have to know what's in my report?
A. You have the right to know what's in your report, but you have to ask for the information. The consumer reporting company must tell you everything in your report, and give you a list of everyone who has requested your report within the past year - or the past two years if the requests were related to employment.
Q. I understand that under Federal Law I get free reports. How do I get them?
A. The three nationwide consumer reporting companies are using one website, one toll-free telephone number, and one mailing address for consumers to order their free annual report. See Chris's section on FREE CREDIT REPORTS.

==================

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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HOME INSURANCE POLICY: COVERAGES, DEDUCTIBLES, REPLACEMENT TYPES

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 23:24:49 -0600

GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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DOES TYPE of HOME MATTER

Not really. Whether your home is a detached house or a condo or a townhouse, you need to be protected by some insurance. The condo association has a master insurance policy that covers the outside of the building structure, to include the roof and exterior walls. But this master policy does not insure the inside of your unit or your personal property such as furniture and clothes.

WHAT is COVERED by INSURANCE

Dwelling Coverage. Insures your home from damage by fire, wind, tornadoes and more. Will not cover floods and hurricanes. (these will need special coverage)

Other Structures Coverage. Things not attached to your main home like a garage or shed.
Personal Property Coverage. Your personal property such as the furniture and clothes.
Personal Liability Coverage. Any lawsuits or medical expenses for bodily injury or property damage to others.
Loss of Use Coverage. Any temporary housing expenses while you repair or rebuild your home damaged during loss.
DEDUCTIBLES and Coverage. The deductibles have been going up nationwide and this is true in Florida. Our deductible was $2500 and after the four storms of 2004 it went to $5500.
CHRIS's communiqué Florida site helps you be STORM ready

SPECIAL COVERAGE
Flood Insurance. Covers flood damage to your home and contents.Lenders make sure you have this insurance if you live in flood area. Official maps by the Federal Emergency Management Agency (FEMA) show whether you need this insurance. Flood insurance, sold by the insurance company,is really provided by the National Flood Insurance Program, which is managed by FEMA.
Hurricane Insurance. In Florida your home may or may not be covered from named hurricanes depending on how close you live to the coast. Many companies will not provide any hurricane insurance for property in these Wind Zones.
In 2002, the Florida Legislature created Citizens Property Insurance Corporation (Citizens), to provide insurance to homeowners in high-risk areas who cannot find coverage in the private insurance market. This program is not having much success and is being re-assessed by Florida.
Also, the Federal government is trying to set up a program to improve insurance coverage from Hurricane and other major disaster loss such as earth quakes.

HOW MUCH MONEY WILL INSURANCE PAY
Actual Cash Value. Your home and property are covered for the depreciated amount of the repair or replacement value. Least expensive.
Extended Replacement Cost. Your home and property are covered up to a specified amount. If your home needs to be rebuilt, then this pays up to the limit. Our home is covered this way. The insurance company computer calculates the replacement cost and sets this as the upper limit. Then you may increase this amount by increasing your premium.
Guaranteed Replacement. No maximum amount. For homes with special or unique construction, that cost more to replace than normal. This coverage cost the most and pays the most.

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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MORTGAGE APPLICATION TERMINOLOGY & PROCEDURES BRIEFLY DESCRIBED

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 22:47:53 -0600

GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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MORTGAGE APPLICATION WORDS & PROCESS
Chris as Your Mortgage Broker, leads the application process, but many people are involved and make various contributions to an effort to complete, verify, finalize, and approve your mortgage application. The application process involves some words and terms that you may not be familiar with. Below are some definitions you will find handy.
Chris will use your Ratified (accepted) Sales Contract to serve as a starting point for the final loan application process. You will likely have already begun the pre-approval application process. This pre-approval process can go to final approval process when you have the accepted sales contract. This means both you and the seller have signed off on the final offer. The contract is legally binding and enforceable. It specifies the amount of your down payment, the price you will pay for the house, the type of mortgage financing you will seek, the mortgage amount you will need, your proposed closing and occupancy dates, and other contingencies.
The mortgage amount is the amount of money you plan to borrow. Your mortgage amount will be based on the purchase price of the home minus the amount of your down payment.
The down payment is the money that you contribute toward the home purchase. Getting a down payment together is often one of the harder steps in buying a home. Lenders feel more secure when buyers make a down payment, indicating they are less likely to default on their loan. You have heard about the traditional 20% down payment, which will make you exempt from paying a monthly bill for lender required private mortgage insurance ( PMI ), discussed below.
Some loans offer as little as three percent down payment or no down payment if you meet certain criteria. However, if you can afford to put more money toward a down payment, it will reduce both your interest rate and your monthly mortgage payments. Sources for down payments may come from your own savings accounts, checking accounts, stocks and bonds, life insurance policies, and gifts by others.
Private mortgage insurance will be required by the lender unless you are exempt from it by making a 20% down payment.
This insurance pays the lender money to cover any losses the lender has if you as borrower default on your mortgage.
Chris will discuss interest rates and discount points and the best combination of these to determine some good options to meet your needs. Chris will also discuss types of mortgages and which may be best suited to your needs; fixed-rate, adjustable-rate, low down payment (zero to five percent), long term (40 to 50 years), and special financing programs.
Interest Rate is the monthly effective rate paid on borrowed money, expressed as a percentage of the sum borrowed. When you borrow $100,000 at a 6% interest rate means that you would pay $6000 in interest.
Discount Points are a fee that lenders charge you to get a lower interest rate on your mortgage. A point equals 1 percent of the loan amount. So, if you and your lender agree to a mortgage of $300,000, one point would equal $3,000. Each point you pay for a 30 year loan lowers your interest rate by one eigth or .125 of a percentage point. If the current interest rate on a 30 year mortgage is 6.75 percent, paying one point would lower the interest rate to 6.625. (6.75 minus 0.125 equals 6.62). Chris can talk to about paying 1, 2, or 3 discount points -- or you can choose not to pay any discount points. It can make good sense to pay discount points if you plan to stay in your home for a long time.
Chris will request a credit report for you and the co-borrowers. He will review your credit report and compare it to the application to ensure the application information is correct. He will perhaps suggest steps to be taken to correct any parts of the credit report needing fixed.
Credit Report information will come from Equifax, Trans Union, and Experian and their local affiliates. Some services allow buying a combined or merged credit report of all three. Chris also has a page on this site to allow you to order your credit report. The report(s) show how you have managed your debt over time and include the length of time you have had credit, how you have used it, and how promptly you have paid your credit bills. An inceasingly important way for lenders to decide the amont of risk they face is credit score, a math based measure of how people manage their credit obligations.
Credit score is a numerical expression based on a statistical analysis of a person's credit files, to predict the likelihood that the person will pay their debts. A credit score is based on credit report information, and each of the credit agencies has its own computer system to calculate the score. The lender is trying to predict how likely it is that you will default on your mortgage loan or become insolvent or bankrupt. Anyone can default. Donald Trump has probably lost count. If your chances are 1 in 10 that you will dafault, you are more likely to get the loan than if your chances are 3 in 10.
Default occurs if a borrower is unwilling or unable to pay their mortgage. Default is different from insolvency and bankruptcy. A person defaults on-a-given debt contract when they have not paid a debt. A person is insolvent on-all debt contracts when they are unable to pay their debts. A person is voluntarily or involuntarily bankrupt as a legal status that imposes court supervision over the financial affairs of those who are insolvent and/or in default.
Chris will request an appraisal report for your home. Everyone involved will be hoping that the appraiser will find the home to be valued at what you agreed to pay for it (the contract sales price). It is likely some other reports may be involved in application approval such as termite and survey reports.
Appraisal report is a written analysis of the estimated value of a property prepared by a qualified appraiser. An appraiser is a person who is qualified by education, training, and experience to estimate the value of real estate property. The appraised value is a home's fair market value and is based on the appraiser's knowledge, experience, and analysis of the property. The analysis the appraiser uses will involve comparable sales of similar homes.
Chris will need to verify several things as part of the application process.
Your employment history.
Balances and activities in your checking and savings accounts.
Send forms to your employer asking about your job history.
Ask financial institutions that you have accounts with about your current assets.
Request 'mortgage history rating' on information regarding your mortgage payment history.
Request 'rental verification' on information regarding your rent payment history.

========

FOR CRYING OUT LOUD,
HOW CAN ANYONE FILL
OUT THIS APPLICATION

========

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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LIFE STYLE GLIMPSE at our Entertainment,Nightlife,Dining,Shopping,Arts,Weather

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 21:21:44 -0600

GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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LIFE STYLE of Southwest Florida

Let Chris and Deane take you through some highlights of the sorts of amenities available to residents and visitors to our area.

Entertainment and arts are abundant in Southwest Florida.
Nightlife: quiet venues, sports bars, dinner and dance clubs, fast paced racey clubs.
Dining: resturants and eateries galore.
Shopping: exclusive,exciting, varied, interesting.
Beautifully landscaped homes, friendlypeople, interesting sites,boats, shimmering waters, sandy beaches, parks.
Arts: museums, gallaries, theatres, philharmonic orchestras, opera, dance.
Weather: Ft Myers is a bit cooler and wetter than Naples.
                Naples 54 in. annual rain and 75 annual average temp.
                                              (0 inches snow)
                                             THIS COMPARES TO
       (wetter than Key West at 41 inches rain and 77 average temp.)           (drier than Miami at 63 inches rain and 75 average temp.)

PLEASE try out some of these websites that will allow you a peek at our Metropolitan area of NAPLES, FT.MYERS, CAPE CORAL, BONITA, ESTERO, SANIBEL ISLAND, MARCO ISLAND & the OTHER ISLANDS.

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Antiques and Art Around Florida Guide to antiques and collectibles market, packed with information of interest to both the amateur and serious antiques collector.

Coastal Elegance & Wealth Celebrates the lifestyle and the people who live in the elegance and opulence of the finest Southwest Florida has to offer.

Entree Naples The definitive magazine to dining out in Naples

Gulf Shore Life Vibrant spirit, style and natural beauty of Southwest Florida's Gulf Coast. Coverage of local personalities and pursuits, arts and entertainment, fashion, real estate, the luxury lifestyle.

Mann Performing Arts Center of Ft Myers Site covers all stage performances, both symphony orchestras, all community concerts.

N the Naples Magazine Premier luxury lifestyle publication for Naples area. Inside look at luxurious homes, fashionable Neapolitans, lively arts and entertainment, and elegant social events.

Naples Philharmonic Center for the Arts Presenting performing and visual arts, and offering outreach and education programs for the community. The site covers the museum, orchestra, dining, and more.

Shocase Magazine Premier social guide of what and where in Southwest Florida.

Splash Magazine Southwest Florida night life and fabulous events.

========

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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AVOID MORTGAGE TRAPS THAT ARE EASY TO FALL INTO and 'CAN' BE COSTLY

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 19:37:32 -0600

GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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AVOID MORTGAGE TRAPS

Is Your Mortgage Broker On Your Side???

When you choose a good mortgage broker such as Chris, you may rest assured that the broker is out there researching the market for you and not because of you. His objective is to identify the loan best for you. And Chris positively will never try to lead you into a type of loan that better suits his pocketbook rather than yours.

When you choose a good mortgage broker such as Chris, you have a broker who has relationships with many, many lenders, and can review through them all to pick the ones that offer the particular features you require. Some mortgage agents just have the one or two lenders that they always use for everyone.

When you choose a good mortgage broker such as Chris, you have a broker who sincerely works with you to figure out what your needs are, and who can counsel you on which of the loan programs best meets these needs. Please don't get stuck with a mortgage agent who could care less.

When you choose a good mortgage broker such as Chris, you have a broker who is willing to assist you in overcoming barriers to loan qualification. Chris will not guarantee to get you a home loan, but he does promise to try really hard, going that extra mile, to find you a mortgage that truly meets your needs.

When you choose a good mortgage broker such as Chris, you have a broker who will actually lock the interest rate and points on a loan when you want to lock. Please don't get stuck with a mortgage agent who tells you that a loan has been locked, but has not actually locked with the lender. Shady mortgage brokers can do this fake lock to increase their shady profit. But it can backfire, and you as the borrower can get clobbered and in some cases left hanging without a loan.

Left hanging without a loan is one way to loose your earnest money deposit. Please do not select a company that may do that to you. There can be seemingly trivial mistakes of broker omission and commision that can have very unexpected and very costly outcomes. A good agent will protect you from such things. Be so careful to avoid 'innocent' TRAPS.

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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77777777777777777777777777777777777777777777777777777777777777777777777777777

When Chris and Deane bought their home in Naples, it had a full fire sprinkler system. The owner said this would make insurance premiums less. It did not. It made premiums higher, because the actuarial cost to replace the fire sprinkler system if it were destroyed was set at $25,000 and this extra cost more than offset the premium reduction incentive.

Take the time to carefully discuss policy options with the insurance agent or company. Chris sees that many people have either too much coverage or too little insurance coverage or the wrong type of coverage. When Chris and Deane bought their home in Palm Coast, they bought an option that insurance companies do not tell you about. Money to pay for demolition and removal of the home were it destroyed. It cost about $50 annually. When the great wild fires of 1999 destroyed 800 homes in Palm Coast, most home owners did not have this option in their policy. Uninsured cost to them to demolish and remove the burned home averaged $20,000.

Carefully evaluate your deductible. After the four great storms of 2004 the insurance companies made a big increase in minimum deductibles offered. Chris and Deane's home went from $2500 to $5500. You may want to lower your premium and accept a higher deductible than the minimum.

Very definitely avoid making claims that are going to save you money unless the amount saved is $1,000 or perhaps more. If you do not make a claim, your Comprehensive Loss Underwriting Exchange (CLUE) report for you and the property will not be affected. When Chris and Deane lived in Daytona, they had a total of nine claims arising from the four great storms of 2004; claims for many thousands of dollars. When Wilma struck in 2005, the damage to Chris and Deane's Naples home was $7200 against a deductible of $5500. We did not file a claim to get $1700, when we considered CLUE.

If you belong to any groups such as associations, these may have special offers on insurance coverage.

You will need to check out the Florida government-backed insurance plans, available in the high-risk areas. The state of Florida has a wind zone, and insurance companies will not sell insurance in this zone. You will need to turn to state plans.

Insure your house for replacement cost, not market value. Many insurance companies are eliminating guaranteed full-replacement costs for homes.

Review what your policy covers, how much money it pays, and the value of your possessions annually. Some items depreciate and may not need as much coverage, and your home hopefully appreciates and needs more coverage.

1000 FRIENDS of FLORIDA: THEIR FRAMEWORK, GOALS, PRINCIPLES & HOME

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 17:05:02 -0600

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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Deane and Chris invite you to enjoy some of the natural beauty of Southwest Florida. It takes enormous effort to manage the natural lands of Florida. Efforts like those from 1000 FRIENDS.

1000 Friends of Florida is a Florida growth management watchdog
which has some widely accepted rules for Smarter Growth in Florida.
Visit the 1000 Friends for a really rewarding educational experience

About 1000 Friends of Florida
1000 Friends of Florida is a 501(c)(3) not-for-profit membership organization that was founded in 1986 to serve as Florida's growth management "watchdog." The headquarters is located at 926 East Park Avenue in Tallahassee, Florida.
This award-winning organization maintains an experienced, professional staff to monitor ongoing local, regional and state growth management activities and recommend actions to 1000 Friends' Board of Directors. The staff also coordinates with other public and private organizations involved in growth management issues.
10 Principles for Smarter Growth in Florida
Adopted by 1000 Friends of Florida's Board of Directors 1999
Established in 1986, 1000 Friends of Florida serves as the nonprofit watchdog over this state's growth management process. Its bipartisan board of directors agrees that Florida's economic vitality and quality of life is dependent on how wisely we plan for growth and development. 1000 Friends supports responsible planning to protect natural areas and historic resources, fight urban sprawl, promote sensible development patterns, and provide affordable housing. Above all, 1000 Friends strives to give citizens the tools to keep Florida's communities livable. As Florida's leaders debate changing the 1985 Growth Management Act, 1000 Friends hopes that the following 10 Principles for Smarter Growth in Florida will play an integral role in the dialog.
1. Better implement the laws that are already on the books. While there is certainly room to refine Florida's Growth Management Act, attention should also be paid to encouraging better implementation of the existing laws. For example, the Florida Department of Community Affairs has approved more than 90 percent of all comprehensive plan amendments ever requested. A comprehensive evaluation of how the growth management act has actually been implemented to date at the state, regional and local levels is in order before we jump to the conclusion that the law itself is irretrievably broken.
2. Maintain reasonable state oversight of local planning. Florida cannot afford to return to the days of 476 local governments individually deciding the collective future of our state. That is what got us into so much trouble in the first place. Additionally, the state should provide the financial and technical resources to local government to do better and more innovative planning, and help with the costs of infrastructure to support quality planning.
3. Thoughtfully evaluate Florida's Growth Management Act to refine and improve it. This state's approach to planning for growth traditionally has been reevaluated every decade or so. It is certainly appropriate to once again evaluate the Act. However, this should be a thoughtful and deliberative process that includes meaningful input from concerned citizens, local governments, development interests, and others who are concerned about Florida's future. 1000 Friends strongly opposes a rushed process dominated by special interest groups. 1000 Friends recommends that the Governor establish a broad-based and representative panel to reach consensus over the coming year on how to further refine Florida's growth management system.
4. Improve the ability of citizens to help enforce their local comprehensive plans. Increased public participation is essential so that accountability at the local level becomes a reality. Current conflicts between residents, developers and local governments are often thrown into lengthy and costly court proceedings. Shift the resolution of land use conflicts from the local circuit court to special administrative law courts. This will offer quicker, more timely and efficient answers to citizen-initiated appeals.
5. Think regionally. Local decisions often have regional implications. We need to pay better attention to those decisions that cross political boundaries such as school siting, annexations, affordable housing, and transportation decisions. We need to help local governments work more cooperatively with neighboring municipal and county governments to develop solutions that promote the common good and protect regional environmental linkages. We need to provide regional planning councils with more authority to compel better intergovernmental coordination. We should also promote better coordination between regional planning councils, water management districts, and regional transportation office. We must ensure that regional offices have the professional expertise needed in all substantive areas, including affordable housing. We should also substantially revise, if not repeal, the Development of Regional Impact (DRI) program in favor of enforceable sector plans, providing affordable housing needs continue to be addressed. Sector planning offers a better approach to design large scale development consistent with local, regional, and state concerns.
6. Take a hard line on sprawl. Sprawling development causes higher taxes, traffic congestion, and disinvestment in established communities. Taxpayers can no longer afford to subsidize or tolerate this expensive and inefficient form of development. We need to develop tighter and more realistic urban service areas for our communities. State infrastructure dollars should be targeted to those communities that contain sprawl, promote redevelopment, and focus growth into existing developed areas. We also need to provide state incentives to local governments that establish land development regulations that encourage walkable, livable communities. We should also explore other means to promote quality community design where children can walk to schools and parks, and people have easier access to work and shopping.
7. Encourage better movement of people and goods, not just cars. Our current transportation planning system heavily favors the needs of the automobile over those of people. Fix transportation concurrency so that it better promotes livable communities. Provide the public with more transportation options. Build new communities and retrofit established communities to provide more pedestrian access and internal connectivity.
8. Establish a statewide rural policy to better help rural communities protect their distinctive lifestyle. The 1999 Legislature established a State Urban Policy. Florida also needs a State Rural Policy that promotes economic vitality and lessens the impacts of sprawl in rural areas, while continuing to respect private property rights. Rural comprehensive plans that allow the same density countywide do not work. They should be revised to make long term protection of agricultural lands feasible.
9. Establish green connectors. With Preservation 2000 and Florida Forever, this state is the national leader in funding for the acquisition of environmentally-sensitive land. However, this acquisition is often undertaken in a piecemeal manner based on what is easily available instead of what is most needed. Florida should better coordinate land acquisition and land use planning. As an example, local governments that adopt comprehensive acquisition plans that provide for significant open space and establish regional connections with neighboring communities should receive less state oversight of their land use decision-making. At the state level, we need to establish a strategic plan that identifies and prioritizes important environmental systems to better target state acquisition of key portions of those systems.
10. Improve the process to evaluate local comprehensive plans. By law, all local land use plans must be updated every seven years. The current process, known as the Evaluation and Appraisal Report (EAR), allows too much ability to weaken and undermine the local comprehensive plan. The process should be modified to ensure that the issues of transportation, land use, environment, economic development, and housing are addressed every time the local plan is updated. Other issue areas should be evaluated at the discretion of the local government.
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Six Principles of Unity for Smarter Growth in Florida
Adopted by 28 Concerned Florida Organizations, Spring 2000
Florida is a special place, blessed with a diverse population, distinctive communities and a rich and irreplaceable natural environment. Tens of millions visit our state every year to experience what we are able to enjoy on a daily basis. It is our responsibility to protect and preserve those qualities that make Florida unique, and work to resolve the challenges that face us as we continue to grow as a state.
Collectively, our nonprofit organizations work to protect the quality of life in Florida. We are stewards of the environment, advocates for children and the family, supporters of the spiritual realm, and proponents of robust neighborhoods and well planned communities. We want to pass on to future generations a Florida that is economically vital, environmentally sound, and spiritually enriched. While we represent diverse interests, we are all united in the belief that sound growth management is essential to ensure a better future for our children and theirs.
Florida's population will grow by 5 million people over the next 20 years to a total of 20 million people. We must deal responsibly with this growth, making sure that we are wise stewards of our human and natural resources. We must ensure that there will be clean air to breathe and water to drink, energy to power our cities and cars, protected natural areas, strong neighborhoods, affordable housing, and healthy communities. These are essential to our quality of life and without them, we cannot have a vibrant economy.
We recognize that it is time to begin evaluating and refining Florida's landmark growth management process. However, we are uniformly opposed to a rushed process to rewrite current policies and any process dominated by special interest agendas. We advocate for an open and reasonable approach that allows for thoughtful analysis, constructive dialog and reasonable consensus on these critical issues that will affect each of us on a daily basis.
Furthermore, we agree that any proposal to revise growth management should encompass the following principles:
1. Increase the ability of citizens to help shape the future of their communities. Citizen participation is at the foundation of a true democracy. We must work to strengthen the ability of citizens to have meaningful input into the planning and design of their communities, and to assure that adopted plans are followed. We must also work to increase the role of those citizens traditionally under-represented in the process.
2. Create stronger, healthier communities. Healthy communities provide the foundation for healthy families and individuals. We must do a better job of promoting vital downtowns, strong neighborhoods, and affordable housing. We must pay better attention to how our communities are designed so that more people can walk or bike to schools, shops, and parks. We need to welcome diversity within our own neighborhoods.
3. Reduce the amount of sprawl. Over development destroys our natural environment, decimates our cities, breaks down our sense of community, increases air and water pollution, and wastes taxpayer dollars. Because of sprawling development, we spend untold hours stuck in traffic instead of devoting time to our families and communities. We must stop subsidizing inefficient development that destroys our quality of life and wastes valuable resources.
4. Protect rural areas, green spaces, and natural resources. Reducing sprawl is one tool for better protecting our rural areas, while also protecting the environment. We must continue to be proactive in our efforts to acquire and protect significant green spaces, including wildlife corridors and other natural connectors. We also must tap other tools and techniques to safeguard our precious environmental resources. In addition, we need to develop realistic strategies to save productive farmland and bolster rural economies.
5. Recognize that transportation, land use and water management decisions are interrelated and regional in nature. Our traditional jurisdictional boundaries are obsolete. Poverty knows no boundaries, nor do wildlife, waterways or pollution. We must manage growth and development from a regional perspective, taking into account the many complex interrelationships between transportation, land use and water resource management.
6. Maintain a state presence in managing growth in Florida. It is naive to think we should return to the days when each of Florida's 476 local governments were individually responsible for the future of our state. Growth management was initiated because this approach was a dismal failure. As Florida catapults toward becoming the third largest state in the nation, the state must continue its leadership role in helping to manage and direct growth and development.

THANKS. Christopher Harker

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EVERGLADES RESTORATION HAPPENS: 55,000 acres of northeast Collier County

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 16:13:30 -0600

   PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
   GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
   Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
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Deane and Chris invite you to enjoy some of the natural beauty of Southwest Florida. They live on Big Corkscrew Island in Northeast Collier county, in the western edges of the Everglades.

      EVERGLADES - THE ONLY ONE ON EARTH (see note bottom page)

This feature dominates all South Florida and it is interesting to see how it effects growth and development here. The CERP (Comprehensive Everglades Restoration Plan) administered by the U.S. Army Corps of Engineers, is the most gigantic effort in world history to allow humans to direct the evolutionary growth of an area.

An early area in Naples to see effects of CERP was Southern Golden Gate Estates
( The Picayune Strand Restoration of   South west Everglades )
Roads are being removed, buildings bulldozed, exotic species of plants burned to make way for the natural plant life to grow back.
    (EXOTIC PLANTS ARE HARMFUL)

Water pumped out and the canals being filled in with soil to restore the natural sheet   flow of   water though the 55,000 acres in northeastern Collier County. Scrap metal and trash left behind by the   past residents of Southern Golden Gate Estates lays waiting to be hauled away. A grader works along demolished roads.
With this restoration project in progress, workers labor to remove most of the roads, canals and other signs of development.
Picayune Strand State Forest
(pictured on right) is a beautiful park offering many recreational opportun-ities and is also the home to a large population of precious native birds.
Citizens can help fight invasive plants at this web site
              NON-NATIVE INVASIVES

bottom note

THANKS. Christopher Harker

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EVERGLADES WONDER - EARTH HAS ONLY ONE of the PRECIOUS EVERGLADES

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 14:56:13 -0600

                 PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
                 GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
              Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
                 CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
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Deane and Chris invite you to enjoy some of the natural beauty of Southwest Florida. Chris and Deane live on Oil Well Road, named so because it led into an Oil Well area of the Everglades.

WET and WILD EVERGLADES

W E T
Everglades
covers approximately 3,474 sq mi South Florida. It is the largest sub tropical wetland in the U.S. Total acreage of the National park (land and water) is 1,509,000 acres. Largest continuous sawgrass prairie stand in North America.

                      W I L D
Everglades
boasts rare and endangered species as American crocodile, Florida panther and West   Indian manatee. Most significant breeding ground for tropical wading birds   in America. Home of 14 endangered and nine threatened species. Home to over 1,000 species of plants.
Board walks invite you.
After you buy your home
be sure to visit the glades.

Everglades from the air Old Oil Well in Big Cyprus Swamp

Old Oil Wells

Lee County Collier County Southwest Gulf

Work continues to prevent oil wells in Florida Everglades ecosystem.

Everglades is flat, dominated by sawgrass, with a series of alternating ridges and sloughs, through which an imperceptible flow of water courses south from Lake Okeechobee. Ridges are only six inches higher than the sloughs, but this makes a huge difference in this sodden world. Sloughs are the valleys of the Everglades and the tree island ridges are its mountains.

The islands formed on elevated bedrock a few inches higher than the surrounding marsh, provide havens for animal and plant diversity. Tree islands are a half-mile to two miles long, and have two or three times more plant and animal species than the surrounding marsh. Wading birds use the island trees to nest; alligators and turtles lay their eggs on the dry land; and deer, snakes, lizards, and other animals find refuge there from rising water.

THANKS. Christopher Harker

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NATURE, LAND, WATER, WILDLIFE, SCENERY: beautiful Southwest Florida

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 13:10:53 -0600

             PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
               GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
            Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
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WATCH NOW - FLORIDA A DANGEOUS PLACE TO LIVE
plus our
FREE VIRTUAL VISIT TO SOUTHWEST FL
BACK PAGE         "SELECT NATURE ARTICLES BELOW"          BACK PAGE

THE EVERGLADES one of the earths wonders.

1000 FRIENDS of FLORIDA watchdog over Florida beauty.

EVERGLADES RESTORATION IN Collier's Picayune Stand.

NATURAL SCENIC BEAUTY is a reason to live in SW Florida

EARTH's ONLY EVERGLADES unique & wonderous

=========

NEED TO BUY or SELL A HOME - YOU NEED TO KNOW CHRIS and DAVE
NEED A HOME MORTGAGE - YOU NEED TO KNOW CHRIS and BRIAN

Home buys, sales & loans are too important
to leave to just anyone
Choose top notch Realtors & Mortgage brokers

Brian Geidner owner Gulfside Mortgage with Chris - left
Dave Gallus owner Premiere Plus with Chris - rite

CHRIS's MAIN WEBSITES
BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC

=========

CHRIS's communiqué ->Landscape with NATIVE South Florida Trees
University of Florida Extension Service Native Trees for South Florida
FREE 17 Page Guide to Growth of NATIVE Trees in South Florida.

THANKS. Christopher Harker

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..........NATURAL SCENIC BEAUTY PERVADES ALL OF SOUTHWEST FLORIDA..........

CHRISTOPHER LADD HARKER LLC — Sat, 01 Mar 2008 01:07:37 -0600

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Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
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NATURAL BEAUTY of SW FLORIDA SCENERY - one of Life's Wonders

Chris and Deane invite you to enjoy some of the natural beauty of Southwest Florida. In the face of continued growth, environmental issues have become important to many Floridians. In addition to having the largest percentage of publicly owned land of any state (but Alaska) Florida has suffered much ecological damage. Despite this, things are very much on the mend. Take a peek.

All scenery shown here is found in Southwest Florida. Deane and Chris live nearby Corkscrew Swamp Santuary below.

BEHOLD THE BEAUTY and WONDER of OUR HOME

Corkscrew Swamp Sanctuary
11,000 acres of pines, cypress, grass-and-sedge, wet prairie, saw - grass marshland, lakes and sloughs filled with water lettuce, wood storks, ferns, orchids, air plants, wading birds, alligators and otters.
National Audubon Society, here protects North America's largest remaining stand of ancient bald cypress, 600-year-old trees, some as tall as130 feet.

Aquatic Ferns at Corkscrew Gator in Aquatic Lettuce

Ding Darling Refuge
safeguards pristine wildlife habitat of Sanibel Island.
Protects endangered and threatened species, provides feeding, nesting, and roosting areas for migratory birds.
Provides habitat for 220 species of birds, 50 species of reptiles and amphibians, 32 mammals, 8,000 acres of mangrove forest, submerged seagrass beds, cordgrass marshes, and West Indian hardwood hammocks.
The amazing 5-mile Wildlife Drive is one thing that makes the refuge so popular, especially from Octoberr thru March.
As much as one third of the entire U.S. population of roseate spoonbills can be found in the park at the same time.

Roseate Spoonbill at Darling Great Egret at Darling

You will be educated, inspired, entertained and thrilled at these two magnificent and awesome parks, in the heart of beautiful Southwest Florida. They truly are National Treasures.

THANKS. Christopher Harker

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.........FINANCIAL PRE-QUALIFICATION BEFORE YOU BEGIN HOME BUYING.........

CHRISTOPHER LADD HARKER LLC — Fri, 29 Feb 2008 23:15:57 -0600

    PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
    Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
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Pre qualify for home mortgage

To determine How Much Home Can You Afford, use this Freddie Mac calculator (first you may want to completely read this whole report).

For those interested in how it is calculated, use the Work sheet at the bottom of this report.

Traditionally when persons bought a home, they made 20 percent of the home's price as a down payment. But times are changing and lenders no longer require 20 percent down payment. Some loans require as little as three percent down which means you can finance a larger amount of the purchase price. You may be surprised to find that you are able to buy your own home, when you are thinking it can not be done. The very first thing to do is to be pre qualified.

Freddie Mac was chartered by Congress to provide a continuous source of capital to finance America's housing. The U.S. Department of Housing and Urban Development (HUD) oversees Freddie Mac. Chris wishes for you to use their Calculator to be pre qualified.

There are many calculators on the internet, but this Freddie Mac calculator is an excellent choice. Also, at this point, when you are only using my site to learn about real estate, it is none of Chris's business how much you earn and other financial information that is private. We do not put calculators on our sites (like so many others do) because we do not want to collect any of the private information the calculators need.

To calculate the affordable price range to fit in your budget, use the Freddie Mac site. There is a form for you to enter a few numbers about your income and expenses, and it will give you a very rough estimate of the home price range that you are financially qualified to buy. The calculator is based on the standard affordability ratios used to determine qualification for mortgage approvals.
The housing payment ratio (known as front ratio) compares the being-calculated monthly mortgage payment to your monthly income.
The total debt ratio (known as back ratio) compares your total monthly obligations, including this being-calculated mortgage payment, to your monthly income.

To determine How Much Home Can You Afford, please use this Freddie Mac calculator

You may also Want to Investigate by using some of the other Freddie Mac family of calculators
For those interested, here is a discussion of these standard affordability ratios used to determine qualification for mortgage approvals. The ratios 28 and 36 are commonly used ratios. These numbers can be changed up or down by lenders, making it harder or easier for you to qualify for a given price range home.
The 28 refers to the percentage of your gross income, before taxes, that may be spent on this new home mortgage expenses, such as principal, interest, real estate taxes and insurance(s). These new mortgage expenses may not exceed 28 percent of your gross income.
The 36 refers to the percentage of your gross income, before taxes, that can be spent for payments on all your current debts, such as credit cards and car payment, plus the new mortgage payment. These total expenses for the new mortgage and other debt expenses may not exceed 36 percent of your gross income.
The How Much Home Can You Afford calculator above does all of the math for you. But you can do some math yourself if you want, using Chris's worksheets below.

Worksheet A Monthly Income (before taxes)
	Borrower	Co-Borrower	Total
Base employment income	$_______	$_______	$______
Overtime	_______	_______	_______
Commissions	_______	_______	_______
Interest/dividends	_______	_______	_______
Other	_______	_______	_______
Monthly Income Total		A==>	$______

Worksheet B Monthly Outgo on Existing Obligations
Automobile loan	_______	_______	_______
Student loan	_______	_______	_______
Credit cards	_______	_______	_______
Alimony, etc.	_______	_______	_______
Other	_______	_______	_______
Monthly Outgo Total			$_______	B==>$ ____

Worksheet C Monthly Home Mortgage Payment
Mortgage payment (principal & interest)	______
Real estate taxes	______
Insurance premiums	______
Home Mortgage Payment Total	$_____	C==>$_____
Worksheet D
Monthly Mortgage + Monthly Outgo	B+C	D==>$_____

Worksheet E Take the dollar amounts from Worksheets above:
For the housing expense ratio, Divide C by A	___________ 28%
For the all debt payments ration, Divide D by A	___________ 36 %

THANKS. Christopher Harker

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................ DO YOUR GROUNDWORK BEFORE SHOPPING FOR A HOME................

CHRISTOPHER LADD HARKER LLC — Fri, 29 Feb 2008 22:40:21 -0600

    PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
    Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
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GROUND WORK BEFORE HOME SHOPPING

Buying a home is expensive.
Assess your finances. Do you have cash for down payment and closing? Can you afford the mortgage, taxes and insurance? Get as much of the work done with a lender as is possible at this stage. This helps to know how much you want to spend and to get a jump on the paper work.Your personal situation will determine the best kind of loan for you. Chris will help you narrow your search among the many options available and discover which loan suits you best.

Determine your housing needs.
Your home should fit how you live, with spaces and features that appeal to the whole family. Before you begin looking, make a list of your priorities - things like location and size. Should the house be close to certain schools? your job? to public transportation? How large should the house be? What type of lot do you prefer? What kinds of amenities are you looking for?

Establish the minimum
requirements and a 'wish list.' Minimum requirements are things that a house must have for you to consider it, while a "wish list" covers things that you'd like to have but aren't essential. Chris will help you to 'refine' these as you actually look at property on the computer.

Go out and look
over all the communities offered in Southwest Florida - both resale and brand new homes. This will help you to know where you want to live. This website has much information on all the places to live.

Look at communities that will allow you to best live your daily life. Some people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and museums important to you? Do you prefer peace and quiet of rural communities? When you find places that you like, talk to people that live there. They know a lot about the area and will be your future neighbors. Pick a neighborhood that you feel comfortable in.

THANKS. Christopher Harker

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....HOME WARRANTY INFO: YOU CAN SAVE MUCH MONEY WITH A WARRANTY.....

CHRISTOPHER LADD HARKER LLC — Fri, 29 Feb 2008 21:35:56 -0600

    PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
    Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
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NEW HOME WARRANTY

When you buy a brand new home it may come with a ten year warranty. When you buy a re-sale home, you may be able to transfer the original warranty to you. The typical New HomeWarranty covers one year for systems, appliances and work- manship; and two years for mechanical; and ten years for any structural defects.

And this is a wonderful warranty to have. But many buyers expect much more. New homes do not have bumper to bumper sixty thousand mile quarantees like cars. Some home warranties are backed by the builder and in some cases the builder does not warrant the home but rather is covered by special companies that do that for him.

This builder really has nothing more than an insurance policy. And the issuers of this policy intend to cover problems that arise due to the actions of the builder and not the actions of nature. For example a structural defect, may be defined as something that causes the home to be unsafe. But you probably want to have a poorly shingled roof repaired or replaced, whether the insurance company of the builder deenms the home safe or not.

Sometimes these warranties have binding arbitration clauses that take away your right to go to court for a dispute. Also they do not cover expenses you may have for renting a home or hotel while repairs are being made.

RESALE HOME WARRANTY

Re-sale Home Warranty are sold by home service contract companies,or home protection companies or home warranty companies, or residential service companies and in Florida these are not insurance companies.

The typical Re-sale Home Warranty covers one year for systems and appliances and you ordinarily cannot buy any coverage for structural problems. Some warranties provide optional roof leak coverage. (roofs are technically structural elements but are commonly seen as system elements to stop water and rain from entering a home).

This warranty protects you against cost of unexpected repair or replacement of systems and appliances. The warranties that we have purchased do not require any cost to us. But some do require a service call charge such as thirty dollars. These warranties also offer you an element of convenience. Many companies handle claims twenty four - seven and they arrange everything. You just sit back and await the service technician to arrive.

THANKS. Christopher Harker

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...WHAT YOU SHOULD KNOW WHEN YOU BUY A HOME in South West FLORIDA...

CHRISTOPHER LADD HARKER LLC — Fri, 29 Feb 2008 20:49:37 -0600

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WHAT YOU SHOULD KNOW WHEN YOU BUY A HOME

FIND AGENT
Find a suitable real estate company and agent. When Chris moved to Naples he shopped for a Real Estate Company that he would want to buy a home from. That would be the company he could affiliate to.

He chose Premiere Plus because the people there were laid back, warm and friendly, and truly concerned to make you feel comfortable. Chris has been in the business since 1976 and could quickly spot people who were really professional and had plenty of KNOWLEDGE.

He saw that at Premiere Plus, the customer comes first, and they only pick agents who are really good ones. He liked their size. They were not too big or too small, but just right. Florida has firms with thousands of agents. Even here in SW Florida there are firms with many hundreds of agents. And there are firms with a dozen agents. Chris felt comfortable with a firm of a hundred or so agents. Enough to cover the area in a thorough and diverse way, but not so large that the agents and their customers felt and got lost.

Picking an agent to work for you as a customer is even more important. This is the gal or guy who you will be closely working with for a while. Choose one who has lots of KNOWLEDGE and who is willing to let you benefit from it by being AVAILABLE to you. Pick one who will provide you with FULL SERVICE and STICK by you for the whole process until your real estate needs are fully met. And by all means, pick someone you like. In other words do not use the agent who is mediocre, who you can never reach, who might give you some service and who disappears like a magician before you are done.

GET PRE-APPROVED
Real estate agents prefer to work with-qualified buyers. This will help you to know with some accuracy what your price range is AND the type of home and neighborhood you should search for. It will also help to start immediately making the financial planning needed to purchase. Pick a Mortgage Agent and begin making your loan happen, right up front.

When you locate homes you may want, you will have more negotiating power and an edge over other homebuyers who are not pre-qualified. The seller who is looking at your offer will feel more assured that in fact you are able to get the mortgage you need. You will feel more assured too, because you have been doing what the mortgage agent told you to do, to get ready for loan approval.

KNOW WHAT YOU WANT
Do not try to buy a home without knowing what you need and want in a home. The good agent will work carefully with you to make sure you are aware of what the choices are, and which neighborhoods and homes will want to check out.

Is your family growing? What are the schools like? Is the neighborhood suitable for them? How does your furniture work there? How long is your drive to work? How long will you live there? There is so much to consider, and a really good agent will help you to cover all the angles.

FIND MORTGAGE AGENT
Find a suitable mortgage company and loan agent. Just like you pick a real estate agent to sift through thousands of homes and to help you choose, you need to pick a mortgage agent who will sift through thousands of loan possibilities and will narrow them down to ones that meet your needs, and then will help you to choose from alternatives.

Select a mortgage company that has access to many, many loan sources and types. Use the same criteria you use for a real estate agent to pick a mortgage agent. Choose one who has lots of KNOWLEDGE and who is willing to let you benefit from it by being AVAILABLE to you. Pick one who will provide you with FULL SERVICE and STICK by you for the whole process until your mortgage needs are fully met. And by all means, pick someone you like.

Chris knows by much experience that the area where most home purchases have problems is in the mortgage process. This is truly a complicated process and you need to pick a good mortgage agent. Chris and Deane have made home purchases that did not seem possible to get mortgaged, with the help of good mortgage agents. Chris is biased but he truly believes that the best thing to do is get one person who is both your Real Estate Agent and your Mortgage Agent.

MAKE A SUITABLE OFFER
This is not only Price, but is also Down Payment, the Time Frame for closing title, and your Ability to Pay. The offer to purchase is the formal, legal contract form that is completed by the Real Estate Agent (using information provided by the Mortgage Agent). This document will be about 10 pages long and will be presented to the property Seller.

The Seller is basically saying here is how much money I want for the sales price. Here is how much earnest money down payment I want to protect my interest since I am taking my house off the market and turning away other buyers (likely forever). Here is when I want to close title on this home (for many reasons like I need to pay for another home by this date.) And last, I sure do hope this buyer can financially swing this offer they make to me.

When you make the contract offer, you are giving some firm answer to all of these. How you answer these is really, really important. You and your Real Estate Agent must give some thought here. This offer contract is what will be negotiated between your Agent and the Seller Agent. A good Real Estate agent prepares you to understand what to expect in the Contract phase of the purchase so you will not be doing this suddenly when you find the home you want. But these issues should be dealt with as early as possible, before the time to make an offer.

TIMING IS CRUCIAL
Home buying is sort of complicated, like juggling some apples, baseballs, and potatoes. This is one of the things that make it a time of anxiety for people. There is so much to coordinate, and so many people involved. If you already own a home, you may need to sell your current home to qualify for another one. You may find a buyer for your present home when you still have not found another home. You may find another home but the home owner can not move out until their brand new home is completed, and in the mean time you have a buyer for your present home who needs to move in right now.

There are movers, surveyors, inspectors, maybe repairmen, title attorneys, utilities, and many more to coordinate. When Chris and Deane moved from Daytona Florida to Naples Florida, they had to sell two homes in Daytona, buy a home in Naples, make a piggy back mortgage for the Naples home, get Deane operated on, arrange for movers from two locations in Daytona to one in Naples, arrange for three cars and a motor home to go from Daytona to Naples, arrange for five inspections, the survey, title insurance, signing home owners association papers, and a furniture layout plan for the Naples home, plus arrange for electricity, gas, water, trash, telephone, newspaper, cable and high speed computer, to be turned off at the two Daytona properties and turned on at the Naples home.

And if this sounds complicated, it was much, much more complicated than it sounds. A top notch Real Estate agent and Mortgage agent will do much to keep the timing for things, as on-track as possible. While the agent can not do everything, the good agent will assist you to keep everything moving along in a timely manner and try to make the whole endeavor a much less pressure-filled experience.

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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......FIRST TIME HOME BUYERS -- PLEASE READ CHRIS's POINTERS FOR YOU.......

CHRISTOPHER LADD HARKER LLC — Fri, 29 Feb 2008 19:45:35 -0600

   PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
   Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
                                 CHRIS CELL 239-682-0182
    BUYERS-ALMANAC         SELLERS-ALMANAC           MORTGAGE-ALMANAC
POWER SAVING$

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FIRST TIME HOME BUYERS

BUY or RENT

A home is an investment. When you rent, your monthly rent is money gone forever. When you own your home, you deduct a large part of your monthly mortgage payment from your income tax ( loan interest and property taxes). In addition, the value of your home may go up over the years. Finally, you will have the pride of home ownership. Having a home that is all yours that you can improve the way you want it and these improvements belong to you.

WHO IS a first time buyer

Generally, a first time homebuyer is a person who meets one of these criteria. An individual who has had no ownership in a principal home during the past three years. This includes a spouse ( if either meets the above test, they are considered first-time home buyers). A single parent who has only owned with a former spouse while married. This means if you have owned in the past you can still be considered a first time home buyer.

SPECIAL FINANCING

There are many special programs (government and private) to help first time buyers obtain financing. Chris will help you check these out. These programs help you as a first time home buyerin several ways. They can permit you to pay lower interest rates than others, reducing the size of your monthly payment. They can allow you to make a smaller than normal down pay-ment, making it more possible for you to save the money you need. They can allow you to pay the mortgage over a longer period, reducing the size of the monthly payment.

CASH REQUIRED

To be honest, this is usually the largest road block to first time home buyers.The lender will work with you to make it possible to own your first home based on what money you have. The two kinds of cash you need are: the down payment and the closing cost. While the regular down payment for home buyers is ten or twenty percent of purchase price, special programs for first time buyers allow down payments for as little as three percent and even no money down. Closing cost are somewhat variable, but usually will cost several percent of the purchase price. It is possible in some cases to negotiate for the seller to pay closing costs.

MONTHLY COST

The mortgage payment is usually made of four parts: principal: (the repayment of the amount you actually borrowed); interest: (payment to the lender for the money borrowed); homeowners insurance: (monthly amount to insure the property against loss from fire, and other hazards required by lenders); and property taxes: (the city / county taxes assessed on your home).During the life of the loan, you pay far more in interest than you pay in principal - sometimes two or three times more!

Because of the way loans are structured, in the early years you will be paying mostly interest in your monthly payments. In the final years, you'll be paying mostly principal. So in the early years your tax deductions are almost the whole mortgage payment. Then in later years the deduction is smaller.

Of course you have your monthly utilities. If your utilities have been covered in your rent, this may be new for you. Chris will work very carefully with you to know what utilities are for areas where we are looking for homes. In addition, you might have homeowner association or condo association dues. You will have property taxes for the city / county. Taxes normally are rolled into your mortgage payment. Chris will work carefully to help you anticipate expected taxes for homes we are looking at.

CLOSING

For first time buyers, closing can be a real mystery. Basically, you will sit at a table with Chris, maybe the agent for the seller, and the the seller, and a closing agent. The closing agent may be an attorney or may be a title company agent. This agent will have a stack of papers for you and the seller to sign. While the closing agent is giving you a basic explanation of each paper, you may want to take the time to read each one and/or consult with your agent to make sure you know exactly what you are signing. This will all take an hour or two and then the keys for your new home are given to you.

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

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BUY SELL MORTGAGE HOMES in SW FLORIDA

REAL ESTATE NAVIGATION BAR

HOME BUYERS GOOD ADVICE FOR FREE

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182 BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

SOME GOOD FREE HOME BUYING ADVICE

"I think this is actually the biggest (real estate) bubble in U.S. history and possibly even world history." Robert J. Shiller, Stanley B. Resor Professor of Economics, Yale University.

Chris's Free Credit Report page.

Chris can help you get your Federally offered free credit report or buy your Federally offered inexpensive credit scores.

Credit and Homeownership by FreddieMac

If you're thinking about buying a home, you should also be thinking about your credit. The first step is...... READ MORE

Buying and Owning a Home by FreddieMac

Huge online guide to the home buying process, designed to help you figure out if you are ready and willing and able for Home Ownership. ......

WANT TO BUY A HAUNTED HOUSE?

WANT TO DRIVE A HAUNTED HIGHWAY?

CHRIS's communiqué Got Kids - What Do They Think?REALTY TIMES Article Explaining Real Estate to Kids -- And Their ParentsSays That Children Play a Very Important Role in Home Selection These Days.

AFTER HE HELPS YOU FIND YOUR HOME in BEAUTIFUL SUNNY SOUTHWEST FLORIDACHRISTOPHER WILL GLADLY FREE of CHARGE SHOVEL THE SNOW FROM YOUR FRONT WALK-WAYS

BUY NOW. SELL YOU LATER

THANKS. Christopher Harker

YOU CAN'T MISS WITH DEANE and CHRIS

CALL US NOW - DON'T YOU WAIT

FLORIDA IS A DANGEROUS PLACE TO LIVE - HURRICANES,LIGHTENING,FIRES

SEE CHRIS's BUYERS BARGINS BACK Button BACK Button FLORIDA CAN BE DANGEROUS

SOME OF THE MOST DANGEROUS THINGS ARE HERE

see pictures of Living with Disaster

When you choose CHRIS (YOU CAN'T MISS) HARKERyou'll be glad you did - you better believe it.MUCH MORE INFORMATION AT HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC We are Licensed Realtor and Mortgage Broker. A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING

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TAKE A MINUTE & VISIT SOUTHWEST FLORIDA - SEE HOW MUCH YOU LIKE IT

SEE CHRIS's BUYERS BARGINS BACK Button BACK Button

ABOUT SOUTHWEST FLORIDA

SOME OF THE MORE USEFUL PLACES TO VISIT

HERE ARE THINGS ABOUT FLORIDA Definitions & Phrases Special EmblemsHow People Pronounce Poems and PoetsSongs/Song WritersSpeech ResourcesWriters and Prose HOW TO SAY YOU

Definitions & Phrases

YUNS CAN'T MISS WITH CHRIS YOUSE CAN'T MISS WITH CHRIS YOU CAN'T MISS WITH CHRIS Y'ALL CAN'T MISS WITH CHRIS YIZ CAN'T MISS WITH CHRIS YER CAN'T MISS WITH CHRIS FLORIDA STATE SYMBOLS SITE What is the Florida State Bird? Construction CraneWE ARE ON THE GROW DOWN HERE IN SOUTHWEST FLORIDA

When you choose CHRIS (YOU CAN'T MISS) HARKERyou'll be glad you did - you better believe it.MUCH MORE INFORMATION AT

HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC We are Licensed Realtor and Mortgage Broker.

A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING

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BUYERS BARGINS

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

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HOME PRICES REDUCED TODAY 1000's OF BIG TIME BARGINS FOR YOU TO BUY .

Allow Chris to show you some of these bargins today. 866-738-5517

A REALTOR at Premiere Plus Realty Naples, Ft Myers, and all the Islands, Florida

AND ALSO

A MORTGAGE BROKER at Gulfside Mortgage Inc.

Bonita Springs, Florida between Naples & Ft Myers

================================================================

PLEASE VISIT US AGAIN SOON

About

PROFILE of CHRIS HARKER

When you choose CHRIS (YOU CAN'T MISS) HARKER you'll be glad you did - you better believe it. MUCH MORE INFORMATION AT

Licensed Realtor Agent and Mortgage Broker.

A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING, and MORTGAGES - and HOME LIFE IN BEAUTIFUL SW FLORIDA...... IDEAS ON HOW TO DO IT.... About Us

I am MORTGAGE BROKER & REALTOR. My EXPERIENCES and SKILLS are many, I am a hard worker, and I feel I am a top notch person to assist you with your HOME MORTGAGE ....

Organizations: (NAMB) NATIONAL ASSOCIATION MORTGAGE BROKERS, (GRI) GRADUATE REALTORS® INSTITUTE, (NAR) NATIONAL ASSOCIATION REALTORS®, (REBAC) REAL ESTATE BUYERS COUNCIL

Activities: THEATER, GARDENING, CHURCH, TRAVELING.

Hobbies: COOKING, MOVIES, I ENJOY HUMOR

Favorite Books: HISTORY, HOW TO BOOKS, COOKBOOKS

Slogan: YOU CAN'T MISS WITH DEANE AND CHRIS, GIVE US A VISIT/CALL. TAKE 15 MINUTES AND YOU WILL BE GLAD YOU DID

...FREQUENT SELLER QUESTIONS - TYPICAL THINGS SELLERS WONDER ABOUT...

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOROffice free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC POWER SAVING$

QUESTIONS SELLERS COMMONLY ASK----When you work with Chris he will try to make sure you understand everything. This helps you to feel you can control what is happening and will keep you confident in the selling process. Read on......

THANKS. Christopher Harker YOU CAN'T MISS WITH DEANE and CHRIS CALL US NOW - DON'T YOU WAIT BACK PAGE BACK page

TRY FSBO FOR A WHILE - TRUE CASE OF SOMEONE "REALLY" REGRETTING THIS

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOROffice free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC POWER SAVING$

USE REALTOR NOW or LATER?

Some people try selling their home by themselves for a TRIAL period and regret it. Read on.....

THANKS. Christopher Harker YOU CAN'T MISS WITH DEANE and CHRIS CALL US NOW - DON'T YOU WAIT

....MANY PROFESSIONALS ADVISE USE OF A REALTOR - HERE IS A SAMPLING....

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOROffice free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC POWER SAVING$

PROFESSIONAL RECOMMENDATIONS TO USE REALTOR ----

Some people try selling their home by themselves and regret it. Read on..

THANKS. Christopher Harker YOU CAN'T MISS WITH DEANE and CHRIS CALL US NOW - DON'T YOU WAIT

PRICING HOME FOR THE LISTING - A CRITICAL STEP - DO NOT MAKE A MISTAKE

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOROffice free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658 CHRIS CELL 239-682-0182BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC POWER SAVING$

PRICING YOUR HOME ---

How do you set a listing price... Read on

THANKS. Christopher Harker YOU CAN'T MISS WITH DEANE and CHRIS CALL US NOW - DON'T YOU WAIT

FREQUENT MORTGAGE QUESTIONS: Credit Bureau, Credit Report, Credit Rating

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

CHRIS's communiqué Got Kids - What Do They Think?
REALTY TIMES Article Explaining Real Estate to Kids -- And Their Parents
Says That Children Play a Very Important Role in Home Selection These Days.

AFTER HE HELPS YOU FIND YOUR HOME
in BEAUTIFUL SUNNY SOUTHWEST FLORIDA
CHRISTOPHER WILL GLADLY FREE of CHARGE
SHOVEL THE SNOW FROM YOUR FRONT WALK-WAYS

SEE CHRIS's BUYERS BARGINS
BACK Button BACK Button
FLORIDA CAN BE DANGEROUS

When you choose CHRIS (YOU CAN'T MISS) HARKER
you'll be glad you did - you better believe it.
MUCH MORE INFORMATION AT
HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC

We are Licensed Realtor and Mortgage Broker.
A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING

SEE CHRIS's BUYERS BARGINS
BACK Button BACK Button

HERE ARE THINGS ABOUT FLORIDA
Definitions & Phrases
Special Emblems
How People Pronounce
Poems and Poets
Songs/Song Writers
Speech Resources
Writers and Prose

HOW TO SAY YOU

YUNS CAN'T MISS WITH CHRIS YOUSE CAN'T MISS WITH CHRIS
YOU CAN'T MISS WITH CHRIS Y'ALL CAN'T MISS WITH CHRIS
YIZ CAN'T MISS WITH CHRIS YER CAN'T MISS WITH CHRIS

FLORIDA STATE SYMBOLS SITE

What is the Florida State Bird?
Construction Crane
WE ARE ON THE GROW DOWN HERE IN SOUTHWEST FLORIDA

When you choose CHRIS (YOU CAN'T MISS) HARKER
you'll be glad you did - you better believe it.
MUCH MORE INFORMATION AT

HOME BUYERS ALMANAC SELLERS ALMANAC MORTGAGE ALMANAC

We are Licensed Realtor and Mortgage Broker.

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC

HOME PRICES REDUCED TODAY
1000's OF BIG TIME BARGINS FOR YOU TO BUY .

A REALTOR at Premiere Plus Realty
Naples, Ft Myers, and all the Islands, Florida

***A MORTGAGE BROKER at* *Gulfside Mortgage Inc.***

When you choose CHRIS (YOU CAN'T MISS) HARKER
you'll be glad you did - you better believe it.
MUCH MORE INFORMATION AT

A DIVERSE COLLECTION OF INFORMATION ABOUT HOME SELLING, BUYING, and MORTGAGES - and HOME LIFE IN BEAUTIFUL SW FLORIDA...... IDEAS ON HOW TO DO IT....
About Us

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

QUESTIONS SELLERS COMMONLY ASK----

When you work with Chris he will try to make sure you understand everything. This helps you to feel you can control what is happening and will keep you confident in the selling process. Read on......

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
BACK PAGE BACK page

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT

GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER
Office free 866-738-5517 Pay 239-455-1977 Free fax 941-375-3658
CHRIS CELL 239-682-0182 SEE $8172.50 SAVINGS EXAMPLE
BUYERS-ALMANAC SELLERS-ALMANAC MORTGAGE-ALMANAC
POWER SAVING$

Q. What type of information do Credit Bureaus collect and sell?
A. They collect and sell four basic types of information: