Central Florida Real Estate without the "BULL". www.SKIPtheBULL.com

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Real Estate Broker/Owner - The Only B.S. I Have is from the University of Massachusetts
Richard Shuman - The only B.S. I have is from the University of Massachusetts!! Florida Real Estate without the BULL www.SKIPtheBULL.com

ARCHIVED BLOG POSTS

2008 

Daylight savings ends November 2nd and it's time again to move your clocks backward one hour.  You've heard that every six months when you "fall backwards", it's a good time to change the batteries in your smoke or carbon monoxide detectors, flip your mattresses and replace screens with storms w...
10/30/2008
VOTE YOUR BANK ACCOUNT - VOTE McCAIN - STILL A BIG CHANCE HE CAN WIN!!!
10/29/2008
Life is 10% what happens to you and 90% how you choose to react to it!!!   Do you agree?                                                         The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or a...
10/28/2008
Moving to Florida?   www.FloridaRelocationMadeEasy.com   The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record...
10/26/2008
What is the difference between a fixed-rate loan and an adjustable-rate loan?    With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthl...
10/26/2008
How much cash will I need to purchase a home?    The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply: Earnest Money: The deposit that is supplied when you make an offer on the house (usually $1000)  Down Payment: A percentage of t...
10/26/2008
For most homeowners, the monthly mortgage payments include three separate parts: Principal: Repayment on the amount borrowed Interest: Payment to the lender for the amount borrowed Taxes & Insurance:   Monthly payments are normally made into a special escrow account for items like hazard insuranc...
10/26/2008
Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. Yo...
10/26/2008
www.how-much-can-i-spend.com It doesn't make sense to go look at homes that are not in your price range. Visit www.how-much-can-i-spend.com and in 60 seconds you will have an idea what you can spend on a home. Save time for you and your REALTOR.     search for a home online at www.skipthebull.com
10/26/2008
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Mortgage Points Should you buy points? Buying points when you close your mortgage can reduce its interest rate, which in turn reduces your monthly payment. But each "point" will cost you 1% of your mortgage balance. A $400,000.00 loan would cost you $4,000.00 to buy the rate down. Why not just go...
10/26/2008
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Richard Shuman

Real Estate Broker - Orlando Area - Love Referrals
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