Hiring a Real Estate Professional is an Important Business Descision...

Mortgage loan modifications

posted by DianneSpooner.com - Your REALTOR @ 2:55pm, Tuesday 15 December 2009.

Are You Eligible for a mortgage loan modification? To be eligible, you must own the property and live there. Your mortgage must have originated on or before January 1, 2009, and your monthly payment – taxes, insurance, homeowners association dues – must be greater than 31 percent of your monthly gross income. Also, your mortgage balance must be no more than $729,750, and you must document that your mortgage is no longer affordable due to a financial hardship such as a job loss. Call the nonprofit Homeownership Preservation Foundation’s hotline at 1–888–995–4673 toll free. (Inf. per DEC. 2009 AARP Bulletin)

Buyer and Seller Notes

posted by DianneSpooner.com - Your REALTOR @ 2:30pm, Monday 22 June 2009.

  1. When purchasing a new home, Buyers should not rely on the Seller’s current property taxes as the amount of property taxes that the buyer may be obligated to pay in the following year after the purchase. A change of ownership and/or when improvements are made to the home, it may trigger reassessment of the property that could result in higher property taxes. If you have any questions concerning valuation, contact the County Property Appraiser’s Office for information.
  2. Drowning is the leading cause of death for young Florida children and is also a significant cause of death for medically frail elderly people. All new residential swimming pools, spas, and hot tubs must be equipped with at least one pool safety feature from a list provided by the Department of Health. Contact the Department of Health for specific safety feature requirements.
  3. Florida homeowners have recently been faced with a serious threat: the Formosan termite, one of the most aggressive species of termites in the world. A Formosan colony has millions of termites, is many times the size of native termite colonies, and can devour a pound of wood each day. The Formosan termite has been found in Miami, West Palm Beach, Tampa, Orlando, Tallahassee, and Pensacola. Read more at www.ars.usda.gov/is/br/fullstop/

(More information coming)

Source: The Real Estate School, Inc.

Seniors 50+

posted by DianneSpooner.com - Your REALTOR @ 2:06pm, Monday 22 June 2009.

Through the SRES training and designation, I have gained the knowledge and expertise to meet the special needs and concerns of maturing adults in any real estate transaction. I have received special training and continuous updates on current trends in relocation, refinancing, and selling or buying a home for the senior citizen. My intent is to provide you with the best options and information, and help guide you as you make life-changing decisions. Senior citizens are an important focus in my real estate business.

The Tallahassee Board of Realtors recognizes me as a top producer in the real estate community. I believe that “extraordinary” service is the key that builds relationships with clients. I am a “hands-on” REALTOR®; I answer my own phones, show my own properties, attend home inspections, and I check new construction sites regularly, assuring my clients that I am accessible. My goal is to provide you with excellent representation and guidance throughout your transaction – I work for you!

seniorsrealestate.com

Organizations for Seniors

Classes & Services for Seniors

Newsletters & Magazines for Seniors

Health & Fitness for Seniors

Information & Services for Seniors

Resources for Seniors

  • Age with Dignity 888-594-7437
    Provides information, advice and legal tools to assure aging loved one’s wishes will be respected. Five Wishes brochure.
    www.agingwithdignity.org
  • Big Bend Hospice, Inc. 850-878-5310
    Provides services to individuals with life-limiting conditions and their families.
    www.bigbendhospice.org
  • Covenant Hospice 850-575-4998
    Provides end of life services for adults and children
    www.covenanthospice.org
  • Elder Hotline 800-963-5337
    Links to senior resource or caregiver information
  • Elder Care Services 850-921-5554
    Provides in-home services, including homemaking, personal care, respite care, transportation and adult daycare
    www.ecsbigbend.org
  • Tallahassee Senior Center 850-891-4000
    Variety of activities for active mature adults.
    www.talgov.com

Miscellaneous

Dianne Spooner
REALTOR®/Broker Associate
Hill Spooner & Company Inc.
850-508-1846
FAX 850-907-2087

"If you have any questions or would like to receive automatic notification of new listings, please email me at Dianne@DianneSpooner.com"