John's Blog

The American Dream is a Safe Bet

Pro Players Realty — Tue, 20 Oct 2009 08:16:31 -0500

It’s a hard statement to swallow for all the Americans currently paying more on their mortgage than their home is worth. But longterm it makes sense.

At the worst, real estate home prices will remain stagnant for five years. That makes some panic. However, buyers looking for security, a place to raise their family, a place to call their own should be looking at staying in a home longer than 5 years.

On the other side of the coin we have sellers. Sure, there may not be as much ‘easy money’ in doing weekly ‘flips’ (remember all those TV shows that emerged from the idea? How many of those do you see on TV now days?). But this only means the serious Realtors will stick around. Which translates into better service for real buyers.

It’ll take a lot of work on behalf of the Real Estate Agents but the market is there.

Real Estate iPhone Apps You Shouldn’t Live Without

Pro Players Realty — Tue, 13 Oct 2009 08:18:29 -0500

Zillow: Brings the power of Zillow to your iPhone with a really slick interface. A valuable tool for buyers and sellers. Estimates home values across the country. Look for this to go hyper local (Tallahassee!) by taking advantage of the iPhones built in GPS.
iPhones Real Estate Dictionary: A handy application providing quick access to terms.
Puluwai: hyper local search for listings. Pretty bare bones at the moment but shows plenty of promise. Imagine being notified via a text message when you drive by a listing that matches your search guidelines.
Yelp: Contains a summary of your online reputation. It has a lot of users so make sure, as a business, you pay attention to your online reputation.

Don’t be afraid, try them out. Be sure to comment if you have any more app recommendations.

Time is Ticking Away

Pro Players Realty — Mon, 12 Oct 2009 14:31:28 -0500

Tallahassee Home Owners we've mentioned the Federal Tax Credit before. Rumors are it will not be extended. However, that could change at anytime. It's best to act now before it's too late.

Buy Now or Forever Hold Your Peace

Pro Players Realty — Thu, 08 Oct 2009 09:55:22 -0500

Delaying a home purchase waiting for home values to decline could price you out of the market.

Say you are waiting for Tallahassee home values to decline 10%...

If that were to happen, and interest rates rose 1% to the 6% level, then you may not no longer be able to afford the same Tallahassee property. Interest rates are at all-time lows and have likely probability to increase. Not to mention the first time buyers tax credit.

Buying the same home | Waiting for price Decline | % change | Borrowing the same amount | Buying a better home

Borrow

$100,000

$90,000

-10.0%

$100,000

Interest Rate

20.0%

Monthly Payment

(30 year fixed rate loan)

$536.82

$539.60

0.5%

$665.30

$733.76

Words from Zillow Co Founder Lloyd Frink

Pro Players Realty — Tue, 06 Oct 2009 09:27:06 -0500

Here's an excerpt (with link to entire letter) from an open letter by Lloyd Frink, President of Zillow:

For Tech-Savvy Consumers, Real Estate Agents are Still the Experts

Despite the number of websites that now offer consumers never-ending information, traditionally only available through agents, most consumers still-and should-prefer to bring in a professional if they're serious about transacting.

Back? Me again. The main takeaway for me was that an informed consumer is easier to help. For those scared that they'll no longer need your service, remember: you're a trained and qualified professional who has been working in the sector for years. It would take just as long for a buyer or seller to gain as much know-how as you.

What this translates into is that you'll spend less time teaching a client and immediantly start working towards end goals. This allows you to take on more clients and make more money.

Sites like Zillow are here to stay. Let's use them to our advantage.

Craigslist Checklist

Pro Players Realty — Thu, 01 Oct 2009 09:50:50 -0500

At Pro Players Realty we think Craigslist is one of many vital tools in developing quality leads for our business. Craigslist is great for both buyers and sellers of Tallahassee Real Estate.

How to get the most out of Craigslist:

Create an account. You can post to Craigslist without an account however, not to all sections. In addition to having full access you can track your listings much easier. Make one.
Decide on a target audience. Who is your buyer? How do you cater to them best? ex. first time buyers, by area, local amenities, schools, etc...
Create an ad campaign. You know your potential customer now personalize the ad toward them. Use a nice picture. Leave multiple forms of contact information. Create two versions of each add because Craigslist can detect duplicates. Short but sweet.
Post your ads. Now it's time to post. Post daily. Every day delete the previous days listing and post the alternate version. Choose the option to hide your email but manually put your email in the ad either through text or a picture (a picture will cut down on spam).
Follow up on leads. People will contact you. Don't leave them hanging. Watch out for spam though.
Tweak and repeat. Your strategy will change over time and your skills in creating good, impacting ads will get better. So tweak your ads.

Good luck realtors.

Yours truly,

Pro Players Realty - www.ProPlayersRealty.com

Habitat for Humanity and the Jeffersons

Pro Players Realty — Wed, 30 Sep 2009 10:22:01 -0500

Habitat for Humanity, through the Tallahassee Board of Realtors and many other local organizations, are building Wannessia Jefferson and her family a new home. Not only is this a new house but it also incorporates the latest energy saving features. Pro Players Realty is excited to be apart of this endeavor. Congratulations to Wannessia and her family and a BIG thanks to the other sponsors and volunteers.

Tax Credit Expiration

Pro Players Realty — Tue, 29 Sep 2009 08:24:32 -0500

No heart warming stories, insights or tips today. Nope, just a very important reminder that the federal tax credit for first time buyers is expiring in a few months. Whether it will be extended, increased or decreased in value I don’t know. But I do know that if you act before December 1st you’ll receive an $8000 federal tax credit. And people say it’s a bad time to buy…

Want more information? Call 850-942-SOLD today or visit our website.

Mendi has a Brand New House

Pro Players Realty — Fri, 25 Sep 2009 11:20:02 -0500

Mendi, her sisters, and her parents needed a home in Tallahassee. They came to Pro Players Realty. Now they’re closing on one with 4 bedrooms and 5 acres. Mendi was so excited she drew us the picture you see above.

Sometimes being remarkable pays off for more than just yourself.

For more heart warming stories please vist our Real Estate Blog

Be Remembered by Being Remarkable

Pro Players Realty — Thu, 24 Sep 2009 10:38:27 -0500

The key to a successful real estate agent, and any business really, is being remarkable. Remarkable is all about exceeding expectations. You do this by endearing yourself to clients, by doing something original.

People talk. Impress them enough and your business will go viral. The best part about viral is that it quickly becomes your best advertiser. If you, your business, or your product generate buzz that buzz will do more for your profit margins than any TV, print or radio advertisement ever could.

Be original. Be remarkable. You’ll be remembered.

For more insights and ongoings please check out our Tallahassee Real Estate blog.

5 Ways to Sell a Home

Pro Players Realty — Tue, 22 Sep 2009 10:54:51 -0500

A few weeks ago we shared our list of 20 ways to add value to your home. What if you want to sell that home? Today we’re sharing 5 easy steps to take if you want to sell your home.

1. Clean like a fiend. It’s next to godliness right? This is something that absolutely must be done if you want anyone to take a serious look at your home. It’s cheap, around $10-$20 in cleaning supplies, and the benefits are enormous.

2. Depersonalize. Remove those family photos, dry erase boards with wacky stuff written on them, etc… You may think it’s unnecessary because it adds a personal touch but believe me it takes concentration away from the house when buyers spend time looking at your photos. We want them concentrating on your home!

3. Professional Staging. This step isn’t for everyone but if you can afford to do it you can actually increase your selling price. You can also try your hand in DIY staging. In the Tallahassee Real Estate Market, I’ve staged many homes. The secret to all of it is that staging really means decluttering. This simplifies a layout and gives your home more space.

4. Lighting. It’s subtle. For most people, when the lighting is great they don’t notice it and when it’s bad they can’t pinpoint it. This is one of the most important steps. Let light come in through the blinds, the windows, the front doors, etc… But also remember to diffuse it. This means when direct sunlight is coming in your window you might want to soften it somewhat so there’s no harsh light cutting across your living room making it hard to view. Remember this changes with the sun.

5. Knowledgeable Agent. It’s important you get somebody who knows your city, your area of town, and your neighborhood. Enthusiasm for you and your home is a must. Go with your gut. In this economy, the good ones remain enthusiastic.

I hope your enjoyed our 5 easy steps to sell your home. Give them a try. I’ve been selling Tallahassee homes for a decade and these are just some of the things I’ve learned. Thanks for reading and stay tuned for more at our Tallahassee Real Estate blog.

Get the Power of Pro Players Realty on Your Side

Pro Players Realty — Tue, 15 Sep 2009 09:57:28 -0500

At Pro Players Realty, we're taking Tallahassee Real Estate to a whole new level. Our Tallahassee Realtors analyze multiple strategies to help our clients find the most advantageous solutions that benefit all parties involved. We have an extensive list of Tallahassee homes for sale. Let us find that Tallahassee Property that's right for you.

We're located in the City of Tallahassee. Please visit our Tallahassee Real Estate website for more information and access to free MLS Search. Or call us today at (850) 942 - 7653.

***Buy now and receive a FREE home warranty or home inspection valued up to $450***

John Stehmeyer - Tallahassee Realty

20 Ways to Add Value to Your Home!

Pro Players Realty — Tue, 08 Sep 2009 08:27:50 -0500

The material used was originally posted on HGTV

#20: Update the Home Office Take care of business with a home office remodel. More and more often people are working out of their houses. It is not just a luxury, but a necessity. Turn an unused den or an old office into an inviting work sanctuary with new windows, a fresh coat of paint and built-in shelving, and you're sure to reap the rewards. Dorman Builders Inc. Website: www.dormanbuilders.com

#19: Spring for a Sunroom Anytime you can add square footage and living space to your home, it's a winner. Build a sunroom in the back of the house where you have less tree cover and more privacy. The result? A stunning addition that transforms the entire house. During the day, the room attracts sunlight, and in the evenings, it attracts guests. Case Design/Remodeling, Inc. Website: www.casedesign.com

#18: Create or Renovate a Master Suite Master suites aren't really a luxury anymore — they are an expected feature. On average, 33 percent of house shoppers are more than likely to buy a home that has recently been renovated. If you can work within the footprint of a house, you're going to increase your return on investment. When buyers walk into a master suite, they want to see a cozy open space with a really nice closet. Also, always try to squeeze in every little bit of storage you can. Wentworth Studios Website: www.wentworthstudio.com

#17: Add On a Family Room Add more space and square footage with a new family room. What people want these days are open floor plans, so create a bright new spot for the family. Also, everyone loves a fireplace. Hamilton Snowber Architects Website: www.hamiltonsnowber.com

#16: Get a New Roof If yours is a roof that the neighbors talk about — and not in a good way — fix it! A shabby roof leaves a first impression that the current homeowners do not take good care of their place. If the roof is plain, flat and turning green in the corners, people will look at it and see major problems that could be showing inside the house. Replace the old, three-tab flat shingles with architectural shingles (pictured above) that provide a lot more texture and depth. It can really change the character and the feel of the house, and the cost can be easy on the pocket. From a purely aesthetic stand point, a new roof that is architecturally interesting, can only be a plus. R & D Industries, Inc. [ I would suggest looking into hiring someone to clean it before completely replacing it. If there is no damage that needs to be replaces, you don't need a new one. Often times people assume they need a new one when it starts to look dirty, when it really is just dirty!]

#15: Liven Up the Landscaping Your yard may be thirsty for a makeover. Dirt and old, dead grass does not constitute a yard. Turn your desert landscape into a destination hot spot with plenty of seating, elegant water features and lush plants. You could even add extra square footage for entertaining, like in the photo above. Even if you're not in a warm climate, glamming up a not-so-hot yard is a good way to go! Bayscapes, Inc. Website: www.bayscapesinc.com Washington Landscapes, LLC Website: www.washingtonlandscapes.com

#14: Invest In a Major Kitchen Remodel Having the same old tired kitchen in a 1978 house is likely to stop a house from selling. If you have the yardage, extend your kitchen into the backyard. Size really matters when it comes to kitchens — the bigger the better! Update it with lots of recessed lighting and cherry cabinets (pictured above), if you can. It won't be cheap, but it will be a great investment for the long-term. It could be the difference between being able to sell your house or not in a tighter market. Butler Brothers Website: www.bbcbuilders.com

#13: Bring In a New Bath There is no such thing as too many bathrooms. If your home has fewer faucets than beds, you might want to consider adding a bathroom. If you have only one bathroom upstairs, your guests have to go traipsing up the stairs and throughout your home. That could be uncomfortable for both parties involved. Why not use that unused space underneath the stairs? It's a great way to utilize space that would otherwise just be used for storage. Signature Kitchen, Bath & Closets Website: www.signaturekbc.com

#12: Be Sure an Addition Blends When building an addition to the rest of the house, you want to make sure that it blends and does not stick out like a sore thumb. Many additions look like a box that has been attached to the back of a house. Combining design elements of the original house and the addition can pull together to create a flawless makeover. Anthony Wilder Design Build Website: www.anthonywilder.com Murphy & Maguire, LLC Website: www.murphymaguire.com

#11: Install New Windows Installing new windows can be beneficial for more than one reason. On an average house, 30 percent of energy is lost through windows. They are not only important in terms of energy issues, but they are also a signal to a future buyer that the current homeowners have really taken good care of the house. Pella Windows and Doors Website: www.pella.com

#10: Refurbish the Basement A lot of basements are plain, empty and unused space that rarely see any visitors. Why let all that space go to waste? Create an entertainment area that will "wow" your guests! Adding a fabulous bar area, seating and beautiful finishes will add character and value to your home.Case Design Website: www.casedesign.com

#9: Put In a Deck There's nothing like relaxing on a deck in the summertime with a cool drink in your hand. If you don't already have one, build one! On average, when a homeowner adds a deck to their home, they are likely to recoup approximately 76 percent return on their investment. However, you don't want your deck to be too big or too small — it shouldn't be more than a third of your house. Most decks cost about $10,000, give or take. An appraiser's No. 1 rule is finding homes that are very similar within a mile away of your home, so matching your improvements to the homes in your neighborhood is very important. Allen Albrecht Construction

#8: Do a Major Bath Remodel Transform an ugly duckling into a swan of a master bath by finding more space — but not with an addition. Stealing space can be a better solution if you can find the extra square footage. Open up a closet to make more room, create separate his-and-her areas with separate sinks, or add a skylight to bring in valuable natural light. Updating tub and tile are also good ideas.Case Design www.casedesign.com

#7: Paint, Paint, Paint Don't be afraid of paint. It is one of the easiest and inexpensive things to do to dramatically change the look of your home. Here are some tips: If you are not sure about your color sense, bring in a professional color specialist to help. Also, think classic and neutral. A future buyer needs to be able to picture his or her things in the room, and too much personalization can prevent that. If your painting skills are below par, hire someone. In the end, it evens out because nothing is worse then a bad paint job. So fight your fear of commitment, and splash a little color on those walls. Andy Staszak Interior Design

#6: Add On to the Attic Renovate your attic. The space above a garage is often small, dusty and cramped space and sometimes rarely even used for storage. Why not turn it into a bedroom suite? The one pictured above is actually a two-bedroom suite. Add as many windows as possible for that precious natural light. Recessed windows, hardwood flooring, built-ins and custom seating are also great ways to add value. Butler Brothers www.bbcbuilders.com

#5: Build a Second Floor Adding a second story can do more than just create square footage. It can bring balance to an uneven house. A flat roof over a garage can be an eyesore as well as a huge waste of space. You could solve both problems at the same time by adding on to the top of the garage. Use all that dead space to build a master suite or a reading room. You will not only add space, but you will also add tremendous curb appeal. Case Design www.casedesign.com McHale Landscape Design, Inc. www.mchalelandscape.com

#4: Keep Rooms Flexible Does your home have a unique specialty room like this relaxing plant sanctuary/lounge room? No one's saying you need to give up your "special place," but it's important to hold back a little. Too much customization can be a problem if you ever plan to sell your home, so try not to overdo it. Things like hardwood floors, wiring for cable, phone and DSL, and plenty of windows are good ways to customize while keeping the room versatile. Another idea is to make the space one that can easily be converted into a guest suite, studio, family room or a den. Lawlor Architects www.lawlorarchitects.com

#3: Revive the Kitchen If you get creative and think about some small changes you can make in your kitchen, you won't have to spend a ton of money. Take down the rooster wallpaper and paint it a neutral color, for example. More and more buyers are expecting some standard items in a kitchen — things like stainless-steel appliances and hardware. Throw in new light fixtures and you've got a great-looking, updated space. Also, some people are looking for gourmet kitchens. Whether they can cook or not, a kitchen is a huge prospect for a buyer. Bottom line: kitchens sell houses, so investing in an improvement in this room is the way to go.

#2: Make Minor Bathroom Changes Minor changes can be advantageous because they cost less and often net a greater return than the investment. If you have old tile or a dated tub, sink and toilet, consider replacing those items. If you keep the same layout there's not a lot of expense that has to go into it. Updating light fixtures, linens and accessories are easy ways to breathe new life into the space.

#1: Spruce Up the Siding It may not be glamorous, but replacing siding is our No. 1 pick for home improvements that add value to your home. Here is your chance to make a great first impression in the real estate world. If your siding is in bad shape, your home is going to earn the title of fixer-upper. You can usually judge a book by its cover, so old siding sets the tone for expectations of what potential buyers will find inside the house. Try adding curb appeal and lower maintenance with composite siding. Cement board siding is efficient, it lasts, and it's no maintenance. Butler Brothers www.bbcbuilders.com If you would like any information on local contractors or businesses to help with any of these upgrades in your home, feel free to contact us.

It’s OK to Buy or Sell a Home RIGHT NOW!

Pro Players Realty — Fri, 28 Aug 2009 15:47:16 -0500

We understand how hard it is to escape the national media's dire predictions for home buyers and sellers in today's market. But there's another side to the real estate story: this market offers amazing opportunities for buying and selling real estate right now -- in our area! Get The Power of Pro Players Realty on Your side!! Follow us on twitter

NEW BLOGS!

Pro Players Realty — Wed, 15 Jul 2009 09:47:40 -0500

For the past few months the Pro Players Team has been working really hard to get some new blogs up and running. They are finally taking off and we'd like you to be a part of it!

We've got a real estate blog, which will be very similar to the content of this blog. We have also added a Sports blog and a Jesus Blog!

You can visit those blogs at the links below!

REAL ESTATE BLOG

www.ProPlayersRealty.com/TallahasseeRealEstate

SPORTS BLOG

www.ProPlayersRealty.com/SportsBlog

JESUS BLOG

www.ProPlayersRealty.com/JesusBlog

Please be sure to visit these new blogs in order to keep up with what is happening at Pro Players Realty and more!

Technorati Blog Claim

Pro Players Realty — Wed, 15 Jul 2009 09:42:24 -0500

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Check out the Tallahassee Lenders Consortium

Pro Players Realty — Thu, 09 Jul 2009 10:13:34 -0500

ABOUT US

The Tallahassee Lenders’ Consortium, Inc. is a non-profit organization whose mission is to improve people’s ability to obtain safe, decent affordable housing. We know that in order to buy a home, people need education, information and access to affordable financing, and affordable housing options.We believe this is a right, not a privilege. To that end, the Consortium provides information and education regarding credit counseling and the process of purchasing a home to low income and very low income first-time home buyers. In addition, the Consortium administers the Leon County and City of Tallahassee Down Payment Assistance Programs and assists local lenders in making affordable loans by processing, underwriting and packaging these loans.

The Tallahassee Lenders’ Consortium (TLC) provides down payment assistance from the City of Tallahassee and Leon County to first-time home buyers like you.

Down payment assistance through TLC can pay for down payment, prepaids and all other buyer’s closing costs up to $10,000 for homes purchased in the City limits and up to $7,500 for homes purchased in the County (outside of City limits). If the client is in the very low-income category, down payment assistance can be expanded to $15,000 for homes purchased within the City limits, if needed. The loan is secured by a second or third mortgage loan at zero interest and no required payments. The loan is due and payable upon 1) sale, transfer, bankruptcy or foreclosure, 2) refinance of the first mortgage, 3) the borrower no longer occupies as primary residence or 4) maturity of first mortgage (not more than 30 years).

The Consortium offers post-home ownership education and counseling to each of our buyers after closing.

You can find more information about them here.

VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!

$8000 tax credit for first time buyers

Pro Players Realty — Thu, 09 Jul 2009 10:11:35 -0500

Frequently Asked Questions About the Home Buyer Tax Credit

The American Recovery and Reinvestment Act of 2009 authorizes a tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence on or after January 1, 2009 and before December 1, 2009.

The following questions and answers provide basic information about the tax credit. If you have more specific questions, we strongly encourage you to consult a qualified tax advisor or legal professional about your unique situation.

Who is eligible to claim the tax credit?
First-time home buyers purchasing any kind of home—new or resale—are eligible for the tax credit. To qualify for the tax credit, a home purchase must occur on or after January 1, 2009 and before December 1, 2009. For the purposes of the tax credit, the purchase date is the date when closing occurs and the title to the property transfers to the home owner.
What is the definition of a first-time home buyer?
The law defines "first-time home buyer" as a buyer who has not owned a principal residence during the three-year period prior to the purchase. For married taxpayers, the law tests the homeownership history of both the home buyer and his/her spouse.

For example, if you have not owned a home in the past three years but your spouse has owned a principal residence, neither you nor your spouse qualifies for the first-time home buyer tax credit. However, unmarried joint purchasers may allocate the credit amount to any buyer who qualifies as a first-time buyer, such as may occur if a parent jointly purchases a home with a son or daughter. Ownership of a vacation home or rental property not used as a principal residence does not disqualify a buyer as a first-time home buyer.
How is the amount of the tax credit determined?
The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
Are there any income limits for claiming the tax credit?
Yes. The income limit for single taxpayers is $75,000; the limit is $150,000 for married taxpayers filing a joint return. The tax credit amount is reduced for buyers with a modified adjusted gross income (MAGI) of more than $75,000 for single taxpayers and $150,000 for married taxpayers filing a joint return. The phaseout range for the tax credit program is equal to $20,000. That is, the tax credit amount is reduced to zero for taxpayers with MAGI of more than $95,000 (single) or $170,000 (married) and is reduced proportionally for taxpayers with MAGIs between these amounts.
What is "modified adjusted gross income"?
Modified adjusted gross income or MAGI is defined by the IRS. To find it, a taxpayer must first determine "adjusted gross income" or AGI. AGI is total income for a year minus certain deductions (known as "adjustments" or "above-the-line deductions"), but before itemized deductions from Schedule A or personal exemptions are subtracted. On Forms 1040 and 1040A, AGI is the last number on page 1 and first number on page 2 of the form. For Form 1040-EZ, AGI appears on line 4 (as of 2007). Note that AGI includes all forms of income including wages, salaries, interest income, dividends and capital gains.

To determine modified adjusted gross income (MAGI), add to AGI certain amounts of foreign-earned income. See IRS Form 5405 for more details.
If my modified adjusted gross income (MAGI) is above the limit, do I qualify for any tax credit?
Possibly. It depends on your income. Partial credits of less than $8,000 are available for some taxpayers whose MAGI exceeds the phaseout limits.
Can you give me an example of how the partial tax credit is determined?
Just as an example, assume that a married couple has a modified adjusted gross income of $160,000. The applicable phaseout to qualify for the tax credit is $150,000, and the couple is $10,000 over this amount. Dividing $10,000 by the phaseout range of $20,000 yields 0.5. When you subtract 0.5 from 1.0, the result is 0.5. To determine the amount of the partial first-time home buyer tax credit that is available to this couple, multiply $8,000 by 0.5. The result is $4,000.

Here’s another example: assume that an individual home buyer has a modified adjusted gross income of $88,000. The buyer’s income exceeds $75,000 by $13,000. Dividing $13,000 by the phaseout range of $20,000 yields 0.65. When you subtract 0.65 from 1.0, the result is 0.35. Multiplying $8,000 by 0.35 shows that the buyer is eligible for a partial tax credit of $2,800.

Please remember that these examples are intended to provide a general idea of how the tax credit might be applied in different circumstances. You should always consult your tax advisor for information relating to your specific circumstances.
How is this home buyer tax credit different from the tax credit that Congress enacted in July of 2008?
The most significant difference is that this tax credit does not have to be repaid. Because it had to be repaid, the previous "credit" was essentially an interest-free loan. This tax incentive is a true tax credit. However, home buyers must use the residence as a principal residence for at least three years or face recapture of the tax credit amount. Certain exceptions apply.
How do I claim the tax credit? Do I need to complete a form or application?
Participating in the tax credit program is easy. You claim the tax credit on your federal income tax return. Specifically, home buyers should complete IRS Form 5405 to determine their tax credit amount, and then claim this amount on line 67 of the 1040 income tax form for 2009 returns (line 69 of the 1040 income tax form for 2008 returns). No other applications or forms are required, and no pre-approval is necessary. However, you will want to be sure that you qualify for the credit under the income limits and first-time home buyer tests. Note that you cannot claim the credit on Form 5405 for an intended purchase for some future date; it must be a completed purchase.
What types of homes will qualify for the tax credit?
Any home that will be used as a principal residence will qualify for the credit. This includes single-family detached homes, attached homes like townhouses and condominiums, manufactured homes (also known as mobile homes) and houseboats. The definition of principal residence is identical to the one used to determine whether you may qualify for the $250,000 / $500,000 capital gain tax exclusion for principal residences.

It is important to note that you cannot purchase a home from your ancestors (parents, grandparents, etc.), your lineal descendants (children, grandchildren, etc.) or your spouse. Please consult with your tax advisor for more information. Also see IRS Form 5405.
I read that the tax credit is "refundable." What does that mean?
The fact that the credit is refundable means that the home buyer credit can be claimed even if the taxpayer has little or no federal income tax liability to offset. Typically this involves the government sending the taxpayer a check for a portion or even all of the amount of the refundable tax credit.

For example, if a qualified home buyer expected, notwithstanding the tax credit, federal income tax liability of $5,000 and had tax withholding of $4,000 for the year, then without the tax credit the taxpayer would owe the IRS $1,000 on April 15th. Suppose now that the taxpayer qualified for the $8,000 home buyer tax credit. As a result, the taxpayer would receive a check for $7,000 ($8,000 minus the $1,000 owed).
I purchased a home in early 2009 and have already filed to receive the $7,500 tax credit on my 2008 tax returns. How can I claim the new $8,000 tax credit instead?
Home buyers in this situation may file an amended 2008 tax return with a 1040X form. You should consult with a tax advisor to ensure you file this return properly.
Instead of buying a new home from a home builder, I hired a contractor to construct a home on a lot that I already own. Do I still qualify for the tax credit?
Yes. For the purposes of the home buyer tax credit, a principal residence that is constructed by the home owner is treated by the tax code as having been "purchased" on the date the owner first occupies the house. In this situation, the date of first occupancy must be on or after January 1, 2009 and before December 1, 2009.

In contrast, for newly-constructed homes bought from a home builder, eligibility for the tax credit is determined by the settlement date.
Can I claim the tax credit if I finance the purchase of my home under a mortgage revenue bond (MRB) program?
Yes. The tax credit can be combined with the MRB home buyer program. Note that first-time home buyers who purchased a home in 2008 may not claim the tax credit if they are participating in an MRB program.
I live in the District of Columbia. Can I claim both the Washington, D.C. first-time home buyer credit and this new credit?
No. You can claim only one.
I am not a U.S. citizen. Can I claim the tax credit?
Maybe. Anyone who is not a nonresident alien (as defined by the IRS), who has not owned a principal residence in the previous three years and who meets the income limits test may claim the tax credit for a qualified home purchase. The IRS provides a definition of "nonresident alien" in IRS Publication 519.
Is a tax credit the same as a tax deduction?
No. A tax credit is a dollar-for-dollar reduction in what the taxpayer owes. That means that a taxpayer who owes $8,000 in income taxes and who receives an $8,000 tax credit would owe nothing to the IRS.

A tax deduction is subtracted from the amount of income that is taxed. Using the same example, assume the taxpayer is in the 15 percent tax bracket and owes $8,000 in income taxes. If the taxpayer receives an $8,000 deduction, the taxpayer’s tax liability would be reduced by $1,200 (15 percent of $8,000), or lowered from $8,000 to $6,800.
I bought a home in 2008. Do I qualify for this credit?
No, but if you purchased your first home between April 9, 2008 and January 1, 2009, you may qualify for a different tax credit. Please consult with your tax advisor for more information.
Is there any way for a home buyer to access the money allocable to the credit sooner than waiting to file their 2009 tax return?
Yes. Prospective home buyers who believe they qualify for the tax credit are permitted to reduce their income tax withholding. Reducing tax withholding (up to the amount of the credit) will enable the buyer to accumulate cash by raising his/her take home pay. This money can then be applied to the downpayment.

Buyers should adjust their withholding amount on their W-4 via their employer or through their quarterly estimated tax payment. IRS Publication 919 contains rules and guidelines for income tax withholding. Prospective home buyers should note that if income tax withholding is reduced and the tax credit qualified purchase does not occur, then the individual would be liable for repayment to the IRS of income tax and possible interest charges and penalties.

In addition, rule changes made as part of the economic stimulus legislation allow home buyers to claim the tax credit and participate in a program financed by tax-exempt bonds. As a result, some state housing finance agencies have introduced programs that provide short-term second mortgage loans that may be used to fund a downpayment. Prospective home buyers should check with their state housing finance agency to see if such a program is available in their community. To date, 14 state agencies have announced tax credit assistance programs, and more are expected to follow suit. The National Council of State Housing Agencies (NCSHA) has compiled a list of such programs, which can be found here.
The Secretary of Housing and Urban Development has announced that HUD will allow "monetization" of the tax credit. What does that mean?
It means that HUD will allow buyers using FHA-insured mortgages to apply their anticipated tax credit toward their home purchase immediately rather than waiting until they file their 2009 income taxes to receive a refund. These funds may be used for certain downpayment and closing cost expenses.

Under the guidelines announced by HUD, non-profits and FHA-approved lenders will be allowed to give home buyers short-term loans of up to $8,000.

The guidelines also allow government agencies, such as state housing finance agencies, to facilitate home sales by providing longer term loans secured by second mortgages.

Housing finance agencies and other government entities may also issue tax credit loans, which home buyers may use to satisfy the FHA 3.5 percent downpayment requirement.

In addition, approved FHA lenders will also be able to purchase a home buyer’s anticipated tax credit to pay closing costs and downpayment costs above the 3.5 percent downpayment that is required for FHA-insured homes.

More information about the guidelines is available on the NAHB web site. Read the HUD mortgagee letter (pdf) and an explanation of the FHA Mortgagee Letter on Tax Credit Monetization (pdf). An FAQ about monetization (pdf) is available at the NAHB web site.
If I’m qualified for the tax credit and buy a home in 2009, can I apply the tax credit against my 2008 tax return?
Yes. The law allows taxpayers to choose ("elect") to treat qualified home purchases in 2009 as if the purchase occurred on December 31, 2008. This means that the 2008 income limit (MAGI) applies and the election accelerates when the credit can be claimed (tax filing for 2008 returns instead of for 2009 returns). A benefit of this election is that a home buyer in 2009 will know their 2008 MAGI with certainty, thereby helping the buyer know whether the income limit will reduce their credit amount.

Taxpayers buying a home who wish to claim it on their 2008 tax return, but who have already submitted their 2008 return to the IRS, may file an amended 2008 return claiming the tax credit. You should consult with a tax professional to determine how to arrange this.
For a home purchase in 2009, can I choose whether to treat the purchase as occurring in 2008 or 2009, depending on in which year my credit amount is the largest?
Yes. If the applicable income phaseout would reduce your home buyer tax credit amount in 2009 and a larger credit would be available using the 2008 MAGI amounts, then you can choose the year that yields the largest credit amount.

Originally found here.

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How ton honorably retire your American Flag

Pro Players Realty — Thu, 02 Jul 2009 08:45:00 -0500

With this Fourth of July approaching, I thought it was only right to spread knowledge on how to honorably retire your flag. Many will be flying high this weekend and then put away, but many more fly all year round and weather the heat, rain, snow and here in Florida, the Hurricanes at times! Make sure when the time comes to replace Old Glory, that you lay her to rest properly!

Have a great and safe holiday weekend!

Article originally posted at Military.com

We raised our flags September 11, 2001 and flew them proudly. Our flags stand tall as we leave our mark on foreign soil. Each year, Americans across the nation unfurl their flags on Independence Day, Memorial Day, and Flag Day. For some, the Stars and Stripes decorates their porches all year as a daily reminder of what it means to be an American.

But what do we do when our flags become tattered and torn, and can fly no longer?

There is a justified reason and dignified way of burning the flag when the time has come for Old Glory.

The Council for Okinawa Protection and Police Services (C.O.P.P.S.) did just that when they retired Old Glory in fiery fashion during a flag retirement ceremony on Flag Day.

"U.S. Flag Code 1 simply reads: 'The flag, when it is in such a condition that it is no longer a fitting emblem for display, should be destroyed in a dignified way, preferably by burning,'" said Les Donoho of Boy Scout Pack 133, who participated in the ceremony.

Lt. Col. Kevan Kvenlog, Provost Marshal, Marine Corps Base, opened the ceremony by discussing the tradition of retiring the flag, the conditions for the retirement and expressed his gratitude to those in attendance.

After opening comments, one representative from each military branch held a corner of Old Glory, the post flag flown over Building 1, as it was inspected by 2nd Lt. Leroy Corte-Real, district officer in charge, central district provost marshal's office, Camp Foster.

Corte-Real reported to Kvenlog that the flag had been found unserviceable and unsuitable to be displayed. Kvenlog then gave the order for the retirement of the flag to commence.

The four Servicemembers carried it to a burn barrel, lit it on fire and saluted the flag one last time.

Following the retirement of the Building 1 post flag, members of local Boy Scout packs and Girl Scout troops brought forward other tattered flags to be disposed of properly.

Along with Boy Scout and Girl Scout representatives in attendance, some junior enlisted Marines made their way out to observe the occasion for the first time.

"I've never been to a flag retirement ceremony and I wanted to pay respects to my flag," said Lance Cpl. Christopher Jose, multi-channel equipment repairman, Marine Wing Communication Squadron 18, 1st Marine Aircraft Wing.

According to Kvenlog, having representatives from the four military services and local law enforcement agencies in attendance displayed the working cooperation between each. He said the ceremony was the first for C.O.P.P.S. and it was sponsored by all law enforcement agencies on the island.

"We held this ceremony for public service and to show honor to the flag," Kvenlog said. "It was an opportunity to show the four services and local agencies working together."

He said it was also a way of letting people know what to do if they have old, unserviceable flags to be disposed of.

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Remodel for Less!

Pro Players Realty — Wed, 17 Jun 2009 08:17:17 -0500

When looking to make upgrades in your house, you want to get the largest return for it. Easing the costs on upgrades without lowering the quality is possible!

Lowe's is offering a 10% discount opportunity for purchases up to $5,000!

Here are some ideas for simple upgrades in your home that will make a big difference and help catch the buyers eye!

Upgrade your lighting fixtures
   Old and outdated lighting fixtures are a real hindrance when trying to sell your home, no matter the other upgrades, it ages your home. Buyers want to see the finished product, to see a home, not a project. Also, make sure your bulbs are nice and bright, but not fluorescent.The bright lights will enhance the feeling of a clean home.

You can find all of the lighting offered by Lowe's here, beginning with their featured lighting.

Upgrade the cabinets and drawers
   Are your kitchen and bathrooms looking a little worn out nor dated but you don't want to splurge on a renovation in a house you are ready to leave behind? Here is an idea to upgrade both without the huge costs! Give your drawers and cabinets a paint job, a fresh coat of paint can make them look brand new, and at the very least, a little newer. Just remember to take your time on the paint job, don't rush it and leave little blemishes, the buyers will notice. Another idea is to buy new hardware. Lowe's carries a lot of different hardware you can use. Find a few you like, buy one of each and go home and change a few to decide which one you like the most.

Look here for all of you hardware needs.
If you decide to paint your cabinets as well, this link takes you to all of the Interior Paints provided by Lowe's.

Organize yourself
   Let's face it, if you have kids, the laundry room can become a scary place. Organization is the key to making this room a little less daunting. Instead of having one big basket, consider buying a laundry organizer, it will not only be more sightly, but it will make your life easier as well. You can also add shelving to place folded clothing on. Since this is a laundry room, shelving will be relatively cheap because you don't need anything too fancy, just a clean and simple organizer. Another idea is this all in one organizer.
   The same idea goes for the garage, which can also become a hectic portion of the home, here Lowe's has great products to make your garage as orderly as the rest of your home.

VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

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What can we do for you?

Pro Players Realty — Wed, 17 Jun 2009 08:15:07 -0500

Tallahassee Real Estate Buyer's Guide
- Visit www.ProPlayersRealty.com for more information!
Tallahassee Real Estate Seller's Guide
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Tallahassee Real Estate No Money Down Programs!
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Tallahassee Real Estate Agents/ Realtors
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Tallahassee Homes for sale!
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Tallahassee Buyer Broker
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Tallahassee Home Sellers Specialist!
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Tallahassee Realtor
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Tallahassee Real Estate Company
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Tallahassee Home Sales
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Tallahassee's BEST deals on Real Estate!
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Tallahassee Residential Real Estate
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Tallahassee Real Estate Investor Specialist
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Tallahassee Office Space Realtor
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Tallahassee First Time Home Buyers
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Tallahassee Luxury Homes for Sale
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Tallahassee New Homes
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Tallahassee Land for Sale
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Tallahassee Lots for Sale
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Tallahassee Free Home Warranty with Purchase
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VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!

John Stehmeyer

Realtor/Broker

Buyers Specialist First Time, Move Up and Luxury

Consumer Resources Advisor

Graduate Realtor Institute

Investors Consultant

Property Marketing Expert

Remodeling Renovations Coordinator

Seniors Real Estate Specialist

850-CALL-942-SOLD!

ProPlayersRealty.com

John will make your best deal buying and selling!

Values God, Family, Work

At Pro Players Realty you are family and You come before work!

This message is not intended as a solicitation to any individual whose property is listed exclusively with another broker.

Say good-bye to granite countertops

Pro Players Realty — Mon, 15 Jun 2009 10:36:45 -0500

Here is an article from CNN.com regarding high end renovations to kitchens and bathrooms. I maintain that in this economy, the small things are what turns heads and catches a buyers eye right now. We are all in a slump, so put your efforts into smaller upgrades or maintenance rather than massive renovations.

Say good-bye to granite countertops

High-end kitchen and bath renovations just aren't boosting a home's value the way they used to. Sellers who succumbed to home over-improvement syndrome are feeling the pain.

By Les Christie, CNNMoney.com staff writer

February 27 2008: 11:11 AM EST

NEW YORK (CNNMoney.com) -- The granite countertop's glory days might be over.

During the housing boom, updating a kitchen with high end materials like cherry wood cabinets and a Viking stove was a sure bet to boost a home's value. Homeowners often recovered about 80% of the cost when the house was later sold.

But with so much more inventory on the market for buyers to choose from, they just aren't as impressed with the bells and whistles. Now most upscale renovations are returning less than 70% of their cost, according to a recent survey from the National Association of Realtors (NAR).

"Pay-back for high-end projects has declined over the past few years," said Kermit Baker, chief economist for the American Institute of Architects (AIA). "People planning to sell shouldn't over-improve," he said. "They won't get the money out if they sell in the next two or three years."

NAR's survey revealed that returns on investment for a wide range of high-end interior redecorations dropped in 2007. An upscale bathroom renovation cost an average of $50,590, nationally, but only added $34,588 to house value - a 68.4% return. In 2006, a high-end bath renovation returned 77.4% of its cost.

Adding a brand new bath didn't pay off as well either, earning just a 69% return in 2007, compared with 72.8% in 2006. High-end kitchen remodels held up better, adding value equal to 74.1% of the cost, compared with 75.9% in 2006.

Many owners simply went too far amidst the mania, over-improving their homes beyond what the local market would bear, according to Darius Baker, a veteran Sacramento, Calif., contractor.

In the past his clients were more likely to opt for expensive redos even if they were planning to move, since they knew they'd recoup most of their costs.

"I definitely saw a lot of tract houses built in the 1970s, in developments with three basic floors plans, get expensive renovations," he said. "We did a lot of radical projects, moving walls around, installing granite counters instead of Formica and cherry wood cabinets instead of oak."

The numbers made sense. In 2005, a fancy kitchen renovation on the West Coast returned an average of 93% of its cost. Even if the owner got only a year or two use of it, the close-to-break-even return made it worthwhile. By 2007, the return had declined precipitously to 74%.

Today, people who are moving out soon, Darius Baker said, "are not looking to make the place a Taj Mahal." They're just doing enough to make the house presentable.

In the current environment, owners are cutting back on upscale renovations, according to Fred Ugast, chief operating officer of HomeTech, which supplies cost statistics for NAR's annual Cost vs. Value index report.

"We're seeing a lot of pull-back in the high end," he said.

A separate report from the AIA also found demand for luxury features waning in 2007 according to the AIA. The popularity of high-end appliances declined from 65% to 47%. Demand for larger pantry spaces went down from 64% to 51% and wine refrigerators fell from 53% to 49%.

Still, people are willing to spend on their own comfort. Most of the high-end jobs that Darius Baker is getting are for clients staying put for a long time.

"They're saying, ''I'm not concerned about the price because I'm not leaving until they carry me out,'" he said.

And returns for high-end exterior renovations are still holding up, according to the NAR report, with better pay-offs than interior work.

For example, sprucing up a home's look with expensive fiber-cement siding, which looks like wood but is more durable, returns 88% on investment, more than any other renovation NAR evaluated.

"It could indicate that curb appeal is even more important than in the past," said NAR spokesman, Walter Molony. "It might get the home more serious looks from buyers."

Mick De Giulio, of Chicago-based De Giulio Kitchen Design, also senses a downshift in the market. "The high-end is still strong, but there's something in the air," he said. "I just finished jobs for two very high-end clients. We put kitchens in their new homes, but they can't sell their old ones."

VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!

John Stehmeyer

Realtor/Broker

Buyers Specialist First Time, Move Up and Luxury

Consumer Resources Advisor

Graduate Realtor Institute

Investors Consultant

Property Marketing Expert

Remodeling Renovations Coordinator

Seniors Real Estate Specialist

850-CALL-942-SOLD!

ProPlayersRealty.com

John will make your best deal buying and selling!

Values God, Family, Work

At Pro Players Realty you are family and You come before work!

This message is not intended as a solicitation to any individual whose property is listed exclusively with another broker.

Kepp your lawn looking good!

Pro Players Realty — Mon, 15 Jun 2009 09:33:27 -0500

The way your lawn looks can make home buyers turn their head in envy, or in disbelief. Always make sure your lawn is in its best shape when trying to sell your home, CURB APPEAL IS IMPORTANT! Buyers don't want to look at a house and see all the work they will have to put into it to make it homey; they want to envision themselves settling into their new home, not working on it. Here are some tips on how to keep your lawn looking god!

Make your neighbor green with envy!

At Turf Works, we take pride in our level of service. We spend more time on your lawn and do the little things that keep it looking its best.

Lawns are Important

Besides keeping your house from sinking into some dark abyss, your lawn is an important component in our environment. Here are some tips for making your lawn better:

How to Water Your Lawn

Established lawns should be watered deeply, but infrequently. Deep watering once a week encourages deeper root growth, while frequent, shallow watering produces a limited root system. When watering, make sure you moisten the top three to four inches of soil, which covers the root zone. Although watering frequency depends on the type of grass, your soil, and the weather, most grasses require about one inch of water each week for healthy growth.

The best time to water is in the morning. This conserves water that would evaporate if you were to water later in the day, but also allows grass to dry before evening. Grass that remains wet for long periods of time is more susceptible to disease development. If you’re using a movable sprinkler, let it run in one spot just until the water begins to run off the surface, then move to a different area of the lawn. Monitor your underground irrigation or sprinkler system to ensure that you moisten the lawn’s entire root zone without over-watering any sections.

Water the lawn once grass begins to discolor and wilt. If you can’t keep the grass green, water your lawn with at least one-half inch of water every seven to 14 days, which will keep the plants alive even if they are dormant. Once your lawn has turned brown and lost all color during drought dormancy, it will take several weeks of steady watering to spur re-growth from the crown area of the plants.

Lawn Mowing Tips

Here are a few tips on proper mowing technique:

Letting grass grow tall and then removing more than 1/3 of the leaf blade is called "scalping" and can damage the lawn. Mowing grass extremely low can also damage the lawn by cutting into the crowns of the plants.

Make sure your mower blades are sharp in order to cut cleanly. Dull blades can shred grass and cause discoloration at the tips because frayed grass blades lose moisture easily. Sharpen the blades of rotary mowers several times each growing season. Reel type mowers usually only require sharpening once a year, but adjust them to ensure they cut cleanly. Some grass species have tough blades, which causes blades to wear quickly.

Raise the mower height a notch or two when mowing a lawn that's recovering from drought, insect damage or disease.

Recycle grass clippings to reduce water loss, lower soil temperatures, and return nutrients to the soil. Plus, you'll save the trouble of bagging and keep clippings out of our already-clogged landfills. In fact, many communities will no longer accept grass clippings in household trash.

Avoid cutting wet grass, which can cause brown spots because clippings clump together and smother your lawn. Cutting wilted grass, particularly during the hottest part of the day, can also cause severe damage to your lawn.

The best guide for mowing frequency is the growth of your grass. Plan to cut less than one-third of the grass blade in one mowing. During periods of rapid growth, lawns may require mowing as frequently as every three to four days. Of course, sometimes we just don't have time to mow as often as we'd like. If your grass has grown too high, reset your mower to its highest cutting level. Three or four days later, reset the mower to cut at the normal height and mow your grass again.

All of this great information was originally posted on turfworks.com

VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!

John Stehmeyer

Realtor/Broker

Buyers Specialist First Time, Move Up and Luxury

Consumer Resources Advisor

Graduate Realtor Institute

Investors Consultant

Property Marketing Expert

Remodeling Renovations Coordinator

Seniors Real Estate Specialist

850-CALL-942-SOLD!

ProPlayersRealty.com

John will make your best deal buying and selling!

Values God, Family, Work

At Pro Players Realty you are family and You come before work!

This message is not intended as a solicitation to any individual whose property is listed exclusively with another broker.

Services Provided

Pro Players Realty — Mon, 15 Jun 2009 09:14:32 -0500

Tallahassee Real Estate Buyer's Guide
- Visit www.ProPlayersRealty.com for more information!
Tallahassee Real Estate Seller's Guide
- Visit www.ProPlayersRealty.com for more information!
Tallahassee Remodlers Council Real Estate Agent
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Tallahassee Real Estate Services Chamber of Commerce and Leads 6 member
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Tallahassee Real Estate Sale Consultant
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Tallahassee Home Sale Property Marketing Expert
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Tallahassee Real Estate Seniors Real Estate Specialist
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Tallahassee Real Estate Buyer's Specialist
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Tallahassee Real Estate No Money Down Programs!
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Tallahassee Real Estate Guaranteed Sales Program
- Visit www.ProPlayersRealty.com
Tallahassee Real Estate "In God We Trust"
- Visit www.ProPlayersRealty.com for more information!
Tallahassee Real Estate Golden Rule Realtors
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Tallahassee Real Estate Credit Repair Realtor
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Tallahassee Real Estate Agents/ Realtors
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Tallahassee Forclosures Real Estate
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Tallahassee Homes for sale!
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Tallahassee Home Sales
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Tallahassee Buyer's Specialist
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Tallahassee's BEST deals on Real Estate!
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Tallahassee Residential Real Estate
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Tallahassee Relocation Services
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Tallahassee Office Space Realtor
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Tallahassee First Time Home Buyers
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Tallahassee Luxury Homes for Sale
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Tallahassee New Homes
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Tallahassee Land for Sale
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Tallahassee Lots for Sale
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Tallahassee Free Home Warranty with Purchase
-Visit www.ProPlayersRealty.com for more information!

VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!

John Stehmeyer

Realtor/Broker

Buyers Specialist First Time, Move Up and Luxury

Consumer Resources Advisor

Graduate Realtor Institute

Investors Consultant

Property Marketing Expert

Remodeling Renovations Coordinator

Seniors Real Estate Specialist

850-CALL-942-SOLD!

ProPlayersRealty.com

John will make your best deal buying and selling!

Values God, Family, Work

At Pro Players Realty you are family and You come before work!

This message is not intended as a solicitation to any individual whose property is listed exclusively with another broker.

Florida Mortgage Rates & Payment Calculator

Pro Players Realty — Mon, 15 Jun 2009 09:09:05 -0500

Information originally posted from realestate.yahoo.com

Florida Mortgage Rates & Payment Calculator

Mortgage Type Today Last Week Change Graph

15 Year Fixed	5.275%	4.718%	0.557%	graph
30 Year Fixed	5.717%	5.003%	0.714%	graph
1 Year ARM	3.907%	3.996%	-0.089%	graph
3/1 Year ARM	3.936%	4.036%	-0.100%	graph
5/1 Year ARM	4.141%	4.091%	0.050%	graph

VISIT WWW.PROPLAYERSREALTY.COM FOR ALL OF YOUR TALLAHASSEE, FLORIDA REAL ESTATE NEEDS!

CALL (850) 942 - SOLD TO SPEAK WITH ME, JOHN, PERSONALLY!

John Stehmeyer

Realtor/Broker

Buyers Specialist First Time, Move Up and Luxury

Consumer Resources Advisor

Graduate Realtor Institute

Investors Consultant

Property Marketing Expert

Remodeling Renovations Coordinator

Seniors Real Estate Specialist

850-CALL-942-SOLD!

ProPlayersRealty.com

John will make your best deal buying and selling!

Values God, Family, Work

At Pro Players Realty you are family and You come before work!

This message is not intended as a solicitation to any individual whose property is listed exclusively with another broker.