Pine Island Plans July 4th Celebration

It's hard to believe that July 4th will soon be upon us. Pine Island will be celebrating with the American Legion hosting the parade and fireworks once again this year.  The parade will be kicking off on Wednesday, July 4th at 10:00am. It starts at the Winn Dixie shopping plaza and heads north on Stringfellow Road toward the 4-way stop.  It will end at the Elks Lodge at the Center.  Celebrate at the American Legion for a BBQ and entertainment all day long.  Fireworks are planned in the evening once it gets dark enough.  Come on out and join in the fun!

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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10 Steps to Prepare for Homeownership

10 Steps to Prepare for Homeownership

1. Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.
3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.
4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 percent of the home price.
5. Get your credit in order. Obtain a copy of your credit report.
6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.
7. Organize all the documentation a lender will need to preapprove you for a loan.
8. Do research to determine if you qualify for any special mortgage or downpayment-assistance programs.
9. Calculate the costs of homeownership, including property taxes, insurance, maintenance, and association fees, if applicable.
10. Find an experienced REALTOR? who can help you through the process.

Reprinted from REALTOR? Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS? Copyright 2005. All rights reserved.  

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

Mortgage rates remain low. The American Dream of Homeownership is possible!  Worried about your  credit?  Don't assume that the only way to get credit is to pay a high price. Ask how your credit history affects the price of your loan and what you would need to do to improve it. Shop around and negotiate the best deal that you can.  Whether you have credit problems or not, it's a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact Equifax: (800) 685-1111?, TransUnion: (800) 916-8800, or ?Experian: (888) 397-3742.  You can also request a credit report on-line.

Look at these low rates - what are you waiting for? Get started now applying for a loan and then go house hunting!
  ~ 30 year fixed rate 3.67 %
  ~ 15 year fixed rate 2.94%

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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Little Lilly's Very Veggie Sandwich ~ it's what's for lunch!

I usually get the Pine Island Pam Wrap for lunch, but I'm going for my second most favorite today ~ the Very Veggie Sandwich on a croissant with sprouts. Yum!  If you haven't checked out Little Lilly's Island Deli you are missing something HUGE-uh in the island experience.



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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1st Low Key Tiki Song Writers Fest

Don't miss out on the the first Low Key Tiki Song Writers Fest.  It will be held at Low Key Tiki, 3135 Stringfellow Road in St James City on Saturday, June 9th from 12-8pm.  Check out why Pine Island is considered the Creative Coast of SW Florida.

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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Buy a fixer-upper with FHA 203(k) financing

Check out this article about the FHA 203(k) finacing.  It's a great opportunity to get a fixer upper with extra loan money for repairs.

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

Mortgage rates are the lowest since the 1950's, take advantage NOW!  Homeownership is within your reach.  Talk with a mortgage consultant to begin taking the first steps to living the American Dream!
  ~ 30 year fixed rate 3.75 %
  ~ 15 year fixed rate 2.97%

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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Hurricane Preparedness ~ Do it Now!

Today marks the beginning of hurricane season.  If you haven't started, now is the time to get prepared.  After all we do live on a "tropical" island.

• Develop a plan on where to go, how to secure your home and what to take if evacuating.
• Ensure that your insurance coverage is up to date.
• Identify an out-of-state family member or friend as a primary contact.
• Make a plan for your pets.
• Stock non-perishable supplies.
• Determine evacuation routes.
• Have a checklist and organize items to grab and go if necessary.
• Visit the National Hurricane Center website for information.

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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