Mortgage Monday

It is a great time to buy.  If you've been rejected for a loan, don't give up.  Check out this article for tips on options.

Here are this week's updated rates.
  ~ 30 year fixed rate 4.10%
  ~ 15 year fixed rate 3.38%

Contact a local mortgage consultant to calculate how much of a mortgage you can fit into your budget. Then ~ call "Pine Island Pam" to start the buying process. Isn't it time you start living the island lifestyle?  Check out our Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha.   SW Florida, the "Creative Coast" is waiting to be discovered.  Thinking of selling your home?  Call "Pine Island Pam" for a free, in home market analysis.

Contact me at (239) 699-6567 or Pam@PineIslandPam.com.  Visit my website at PineIslandPam.com.



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Wild Born Flamingos Spotted in Lee County!

This flamingo was observed at Bunche Beach near the Sanibel Causeway. Several flamingo sightings last week have Southwest Florida birders abuzz. / CAREY PARKS, special to news-press.com

If birding is one of your hobbies, it's time to consider real estate here Southwest Florida!  Wild Born Flamingos are a rarity, but have been spotted right here in Lee County near the Sanibel causeway.  When visitors explore Florida's Creative Coast, the Ding Darling National Wildlife Refuge, known for their spectacular migratory bird populations,is usually on their "to do list." If you're not a serious birder, there's plenty of other things to do living here in the tropics.  Come visit us!   

Contact "Pine Island Pam" to begin exploring SW Florida's Creative Coast. Check out the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha. Isn't it time you start living the island lifestyle? And - you can't beat current mortgage rates! Call me at (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Visit my website at PineIslandPam.com. Ask me about Listingbook, where you can search the web like a Realtor and check out listings on the MLS (multiple listing service).




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HUD Offers REO Homes for $100 Down in Select States

Check out this interesting article. HUD offers foreclosed homes for $100 down and Florida is one of the states!

Thinking about buying or selling real estate in the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha?  Sellers ~ call "Pine Island Pam" for an appointment and FREE comparative market analysis (CMA).  Buyers ~ call for a FREE Listingbook acount and search the MLS like an agent.  Call (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Check out my website at PineIslandPam.com.



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Mortgage Monday

Here are this week's updated rates.
  ~ 30 year fixed rate 4.11%
  ~ 15 year fixed rate 3.38%

Have you been renting your home? With such low interest rates, NOW is the time to become a home OWNER. Contact a mortgage consultant to start the process.  Then it's time to call "Pine Island Pam" to to begin shopping for your island home. Check out our Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha.   SW Florida, the "Creative Coast" is waiting to be discovered.  Thinking of selling your home?  Call "Pine Island Pam" for a free, in home market analysis.

Contact me at (239) 699-6567 or Pam@PineIslandPam.com.  Visit my website at PineIslandPam.com.



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Hooker Fishing Tournament Sunday

Don't miss the 13th annual Fishing Tournament and Derby, sponsored by our local Matlacha Hookers this Sunday, October 23, 2011. (The Matlacha Hookers are a women's civic organization who have a lot of fun with their name). It will be held at The Olde Fish House Marina in Matlacha. This event raises money for the Pine Island Elementary School.  Check out the event and enjoy fishing, music, chinese & silent auctions, food and lots of fun!

Today's real estate market is a challenge.  Be smart ~ work with a local island girl who knows the business. "Pine Island Pam" delivers good old fashioned customer service along with up to date technology for today's competitive market.  Call (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Check out my website at PineIslandPam.com for more information about our island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha.



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WHY HOME OWNERSHIP MATTERS

Home Ownership is part of our American Dream.  Here are some reasons why home ownership matters and to whom it matters.

TO PEOPLE...
  ~ Home owners are happier and healthier and enjoy a greater feeling of control over      
          their lives.
  ~ Owning a home is one of the best ways to build long-term wealth. Historically, a 
          home owner's net worth has ranged from 31 to 46 times that of a renter.
  ~ Home owners are free to redecorate, renovate, and modify their homes as they
          wish.
  ~ Most home owners enjoy stable housing costs?a fixed-rate mortgage payment
          might not change for 15 to 30 years while rent typically increases 3% a year.
  ~ Home owners can typically deduct mortgage interest and property taxes on their
          Federal individual income tax return.

TO COMMUNITIES...
  ~ People who own homes vote more, volunteer more and contribute more to their
          neighborhoods.
  ~ Home owners do not move as frequently as renters, providing more
          neighborhood stability. In turn, this stability helps reduce crime and supports 
          neighborhood upkeep.
  ~ Children of home owners do better in school, stay in school longer, are more
          likely to participate in organized activities and spend less time in front of the
          television.

TO AMERICA...
  ~ 67% of American households are owner-occupied. America is a nation of home
          owners.
  ~ Home owners pay 80 to 90% of federal individual income taxes, contributing to 
          federal programs that benefit all Americans.
  ~ Every home purchased pumps more than $60,000 into the economy for furniture,
          home improvements and related items.
  ~ Housing accounts for more than 15% of the national Gross Domestic Product,
          a key driver of our national economy.

For more information and data on the points above, see REALTOR.org/Homeownership ?2011. 
NATIONAL ASSOCIATION OF REALTORS?

Thinking about buying or selling real estate in the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha?  Sellers ~ call "Pine Island Pam" for an appointment and FREE comparative market analysis (CMA).  Buyers ~ call for a FREE Listingbook acount and search the MLS like an agent.  Call (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Check out my website at PineIslandPam.com.




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Credit Scores Poised to Get More Personal

Check out this article about potential changes for the future of credit scores and how this can effect your mortgage for a new home.

Contact "Pine Island Pam" to begin exploring SW Florida's Creative Coast. Check out the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha. Isn't it time you start living the island lifestyle? Call me at (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Visit my website at PineIslandPam.com.



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Why Home Ownership Matters

WHY HOME OWNERSHIP MATTERS

TO PEOPLE?
  ~  Home owners are happier and healthier and enjoy a greater feeling of control over        
      their lives.
  ~  Owning a home is one of the best ways to build long-term wealth. Historically, a   
       home owner's net worth has ranged from 31 to 46 times that of a renter.
  ~  Home owners are free to redecorate, renovate, and modify their homes as they
      wish.
  ~  Most home owners enjoy stable housing costs?a fixed-rate mortgage payment  
      might not change for 15 to 30 years while rent typically increases 3% a year.
  ~  Home owners can typically deduct mortgage interest and property taxes on their
      federal individual income tax return.
TO COMMUNITIES?
  ~  People who own homes vote more, volunteer more and contribute more to their
      neighborhoods.
  ~  Home owners do not move as frequently as renters, providing more neighborhood
      stability. In turn, this stability helps reduce crime and supports neighborhood upkeep.
  ~  Children of home owners do better in school, stay in school longer, are more
       likely to participate in organized activities and spend less time in front of the
       television.
TO AMERICA...
  ~  67% of American households are owner-occupied. America is a nation of home owners.
  ~  Home owners pay 80 to 90% of federal individual income taxes, contributing to   
      federal programs that benefit all Americans.
  ~  Every home purchased pumps more than $60,000 into the economy for furniture,
      home improvements and related items.
  ~  Housing accounts for more than 15% of the national Gross Domestic Product,
      a key driver of our national economy.

For more information and data on the points above, see REALTOR.org/Homeownership
?2011.  NATIONAL ASSOCIATION OF REALTORS?

Thinking about buying or selling real estate in the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha?  Sellers ~ call "Pine Island Pam" for an appointment and FREE comparative market analysis (CMA).  Buyers ~ call for a FREE Listingbook acount and search the MLS like an agent.  Call (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Check out my website at PineIslandPam.com.




Posted via OnFast - http://www.OnFast.com

Why Home Ownership Matters

WHY HOME OWNERSHIP MATTERS

TO PEOPLE?
  ~ Home owners are happier and healthier and enjoy a greater feeling of control over       
     their lives.
  ~ Owning a home is one of the best ways to build long-term wealth. Historically, a  
     home owner's net worth has ranged from 31 to 46 times that of a renter.
  ~ Home owners are free to redecorate, renovate, and modify their homes as they
     wish.
  ~ Most home owners enjoy stable housing costs?a fixed-rate mortgage payment 
      might not change for 15 to 30 years while rent typically increases 3% a year.
  ~ Home owners can typically deduct mortgage interest and property taxes on their
     federal individual income tax return.
TO COMMUNITIES?
  ~ People who own homes vote more, volunteer more and contribute more to their
     neighborhoods.
  ~ Home owners do not move as frequently as renters, providing more
     neighborhood stability. In turn, this stability helps reduce crime and supports  
     neighborhood upkeep.
  ~ Children of home owners do better in school, stay in school longer, are more
      likely to participate in organized activities and spend less time in front of the
      television.
TO AMERICA...
  ~ 67% of American households are owner-occupied. America is a nation of home
     owners.
  ~ Home owners pay 80 to 90% of federal individual income taxes, contributing to  
     federal programs that benefit all Americans.
  ~ Every home purchased pumps more than $60,000 into the economy for furniture,
     home improvements and related items.
  ~ Housing accounts for more than 15% of the national Gross Domestic Product,
     a key driver of our national economy.

For more information and data on the points above, see REALTOR.org/Homeownership
?2011.  NATIONAL ASSOCIATION OF REALTORS?

Thinking about buying or selling real estate in the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha?  Sellers ~ call "Pine Island Pam" for an appointment and FREE comparative market analysis (CMA).  Buyers ~ call for a FREE Listingbook acount and search the MLS like an agent.  Call (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Check out my website at PineIslandPam.com.



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Breast Cancer Awareness Month

Pine Island has a lot going on since October is National Breast Cancer Awareness month.  Did you miss OctoberBreast at Miceli's Italian Restaurant in Matlacha last weekend?  Well, you can still make it to Barge Party IV this Saturday, October 15th at Two Pines in Matlacha Pass from 11:00am-6:00pm. This benefit is also to support From Our Hearts.  Check out their website to learn more about how this organization promotes breast cancer awareness and raises funds to provide mammograms and medical care to local people in need of assistance. AND....the Bokeelia public boat ramp on Barrancas Ave has reopened which provides direct access to the Barge Party IV.  Visit Lee Parks for more information about Lee County boat ramps.

Thinking about buying or selling real estate in the Greater Pine Island communities of Bokeelia, Pineland, Pine Island Center, St James City and Matlacha?  Sellers ~ call "Pine Island Pam" for an appointment and FREE comparative market analysis (CMA).  Buyers ~ call for a FREE Listingbook acount and search the MLS like an agent.  Call (239) 699-6567 or e-mail Pam@PineIslandPam.com.  Check out my website at PineIslandPam.com.



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