Integrity Means A Lot To This Realtor: Palm Citys Horse Talk:

   

Horsetalkgirl

I have been in the business world for many years and know one very important thing. If you want to get to your goal, you must have integrityy. I think sometimes folks just totally forgets that the word is in the English dictionary.  So I decided that I would try to define integrity and what it means to me. Realtor's must believe in their Code of Ethics. Florida Realtor's Association requires every Realtor with an active real estate  license to renew their Code of Ethics  on a regular basis so we all know how we are suppose to behave and have the opportunity to sell real estate in Florida.

1. Steadfast adherence to a strict moral or ethical code.

2. The state of being unimpaired; soundness.

3. The quality or condition of being whole or undivided; completeness.

    

In selling or buying a home, we become entangled in the emotion that result form such a venture. It is incumbent upon your Realtor of choice to exercise true integrity in the face of difficult decisions, especially when it is disappointing news. A good professional Realtor remains hard at work and intent on satisfying the goals of his/her client.  In many cases, a much better result occurs if patience prevails. I remain there for my clients regardless and through the rough patches and that is where the true success of my business lies.

Carol Barron Cross, Broker
Sunflower Homes & Equestrian LLC
Palm City, Florida
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Integrity is one of the fundamental values that a real estate client should expect. It is the hallmark of a person who demonstrates sound morals and ethical principles at work.  A Realtor who has integrity lives his or her values in relationships with fellow Realtor's, customers and others. Acting with honor and truthfulness are also basic tenets in a person with integrity. People who demonstrate draw others to them because they are trustworthy and dependable. They are principled and can be counted on to behave in an honorable way even when no one is watching.

Thinking of Selling your Home? Let's consider an inexpensive tweak

Homes & Equestrian are just about the same when staging a property.

HI, there. Many of you have read my resume and see that I formerly was an ASID Interior Designer in beautiful Mountain Brook, Alabama. My daughter and son decided to get their college degrees in Florida so Mom decided to follow.  I turned my career to real estate once I arrived in Martin County. Waterfront was interesting to me and then came more and more interest in all types of real estate. I later decided to build an equestrian farm in beautiful  Palm City Farms. This project was the most rewarding thing I could have done in my life. HAPPY, HAPPY, HAPPY.

My grand children were jumping horses when they were seven, fouls were coming and going, and I found myself engulfed with happiness. That is how my real estate company, Sunflower Homes & Equestrian, LLC was born. I guess I am just an open book but I have always been able to be successful with whatever I like to do so Homes & Equestrian became a natural for me.

In the line of real estate, interior design is often brought into the full picture for success. When some folks have decided they want to sell, that's it. They just say sometimes, "It is what it is. I am not doing anything else to this house."

HONK!!   HONK!!

Wait a minute. Let's just think this thing through a little more. Let us look at Homes first. A "cheap" fix is to stop and go through every room in your home. Analysis the room. If you are limited in your budget, I would suggest that you look at your lamp shades first and then go to http://www.houzz.com/.  This website is the cheapest interior design consultant that you can find.   We all know how styles change each year but one funny thing that has changed is the LAMP SHADE. I bet we all have one of these OLDIES. I DID TOO!!  Guess where that one is now?  Charity.

This next photo is one that is a very inexpensive lamp and lampshade that is up to date. It seems that they work in almost all styles from formal to contemporary. Have fun and go to Home Goods in your area. They have very nice selections and very inexpensive. Check out this lamp below and see how it is used in a formal setting.

I am sure this lampshade could be purchased for $15.00 to $18.00 and will refresh your home.

I suggest you look through www.houzz.com. They have so many ideas and so helpful.

EQUESTRIAN PROPERTY

Most equestrian folks have their own ideas of what they want and how they like their Tack Room.

I would suggest a very good clean up and organize all your tack. If you are not using some of your tack and it is in the way, donate it to an equestrian rescue farm and make use of it. Orderly organization of your tack also gives the buyer a good idea of what and where they would put in the Tack room. Is there a laundry to wash the winter blankets and necessary things and can you find it behind the supplements and hay?  All of this should be considered before the property goes on the market. Take a look at a farm that I just sold last year in Palm City Farms. This farm was medium priced but SOLD ITSELF from staging. Staging truly goes a long way.

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Staged Tack Room

South Florida Equestrian Property Under Contract. Listed and Sold by Sunflower Homes and Equestrian LLC

via palmcityshorsetalk.blogspot.com

This community is just about sold out. The buyers of this property are looking to build their new home and bring their horses with them. Suncreek Ranches offered the freedom to have cattle or horses, build a barn, and establish their mini farm. Congratulations. Sunflower Homes and Equestrian, LLC listed and sold this property. http://www.mysunflowerfarmfl.com. Come to Florida. We can certainly help you find your property or home.

Posted via email from horsetalkgirl's posterous

Write-offs to Remember!!

Write-offs to Remember Deductions in the Loan Process Write-offs are the government's way of rewarding taxpayers when they've done something the government likes. And to judge by the write-offs, the government likes it when people borrow money to buy a house. There are write-offs aplenty, many of which people often forget. Make sure your clients take advantage of every break the IRS will give. Here are a few they tend to forget: Points: According to the IRS, origination fees charged as points must be paid for the use of money, (for example, to obtain a lower interest rate) in order to be tax deductible. Origination fees that constitute a "service fee" are not tax deductible. The question must be asked, "Does the fee apply to the use of money, or is it a service charge?" Pre-payment penalties: Unforeseen circumstances often cause borrowers to pull out of their mortgages sooner than expected. Fortunately, pre-payment penalties are tax deductible, which helps ease the pain. Pro-rated real estate taxes: Even if the seller sent the tax collector the check, chances are the buyer paid a pro-rated portion of the taxes for the year at closing. Be sure they know to deduct their fair share. Pro-rated mortgage interest: Depending on when in the month the home sale closes, buyers pay either a hefty or a tiny amount of pro-rated mortgage interest for that month. Big or small, they can write that off. The Final Closing/Settlement Statement will show just how much they've paid. Home construction loan interest: As long as the construction period doesn't last more than two years before they make the new place their "principal residence," they can write off the interest for that construction loan. It pays to pay attention – all these write-offs can add up to some serious savings when tax time comes around.

Horse Property for Sale in Ft Pierce Florida

via horseclicks.com

This is one of the nicest horse facilities that I have seen to come on the market in a while. It is turn key. Ready for business.

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Sunflower Homes and Equestrian has one of these properties

Is Housing as Cheap as It'll Ever Get? | Realtor Magazine

Is Housing as Cheap as It'll Ever Get? DAILY REAL ESTATE NEWS | THURSDAY, MAY 03, 2012

http://www.visualtour.com/showvt.asp?t=2639843

Home buyers who want a bargain may want to act now because the housing market is in the midst of a turnaround, economists say. Home prices have fallen and mortgage rates are hovering near record lows, pushing home affordability for the average family to record highs. Meanwhile, rents have been on the rise, making owning a home cheaper than renting in most areas of the country, according to recent surveys.  But the housing deals aren’t expected to stick around much longer. An improving job market, a decrease in the number of home owners falling behind on their mortgage, and an anticipated improvement in access to mortgages is expected to help home prices start bouncing back by next year, economists say.  Investors eyeing profits in rentals also have been snapping up bank-owned properties, which Clear Capital’s Alex Villacorte attributes as helping to lead to an increase in prices on foreclosed properties. This “could have a significant impact on the market overall in terms of providing a rising floor to home values,” Villacorte told CNNMoney. Some areas are already seeing prices rise. In Phoenix, housing prices have already increased 8.4 percent during the three months ending April 30, and Miami saw prices bump up 4.6 percent quarter over quarter, according to Clear Capital data. "Stuff I was selling six months ago for $60,000 to $80,000 is now $90,000 to $110,000," Tanya Marchiol, founder of Team Investments in Phoenix, told CNNMoney. Loan Rates, Demand Predictions Buyers may want to act more quickly because mortgage rates are expected to tick up slightly by the end of the year. The increase is being sparked by greater demand, says Doug Lebda, CEO of LendingTree. He predicts 30-year fixed-rate mortgages will inch up to 4.5 percent by the end of the year, which is still low, however, by historical standards.  The Mortgage Bankers Association is also predicting a big leap in mortgage loans next year. For this year, MBA estimates that buyers will take out loans totaling about $415 billion, but by 2013 that number is expected to nearly double to $706 billion.   Source: “Buying a Home Won't get Much Cheaper,” CNNMoney (May 3, 2012) and “Time To Trade The Lease For A Mortgage?” NPR (May 1, 2012)

We have listed two lots next to each other in Lake Wood Park. Such a nice neighborhood!. Cannot beat the price

Sunflower Homes and Equestrian, LLC has another Pending Sale

Stuart West Home with private vineyard for Sale

This property is very unique. It is nestled into a very private setting on Waco Terrace in Stuart West. This Key West beauty is an open, friendly, and comfortable home for those that like an outdoor lifestyle. The large great room opens onto a large covered deck. The views are a lap pool with hot tub, a private grape vineyard, and a beautiful canal view. The home is one of a few homes that offers an upscale guest house. The bright glossy hardwood floors and full kitchen offers guest plenty of room. A master bedroom, walk in closet and large family room makes it nice for guest. Also, just walk out the door and take a plunge into the long lap pool. The home is wood frame with Cement board siding, Hardy Plank. A metal roof sports a lovely Key West style of living. The home has a large Master suite with separate his and her areas. A glass block window and soaking tub ads an upbeat modern look. Large closets are there for both his and her. Hardwood floors are throughout the home. The crisp white kitchen is light and bright. There is a breakfast bar, bay window area for Breakfast dining, a huge laundry room, large storage. The home has open access to the back patio from each room on the back of the home. It does have a two car garage and two more bedrooms with a Jack and Jill bathroom. This is loaded with upscale amenities and is like living in paradise.  This owner created his own private grape vineyard in areas of the back yard. Stuart West has many things to offer and this is one of the best homes on the market. Appointments please.

Property Photos

See all 42 large pictures in the photos gallery

Location

9857 SW Waco Terrace Palm City, FL 34990 Detailed Maps Driving Directions Local Schools Walkability

via listings.realbird.com

Posted via email from horsetalkgirl's posterous

Rate of 30 Year fixed mortgage hovers at 4%

Rate on 30-year fixed mortgage hovers at 4% Mortgage Rate Trend Index Only 8% of industry experts polled by Bankrate.com this week expect rates to fall, with the rest evenly divided; 46% expect no change over the short run, while 46% predict an increase. WASHINGTON – Dec. 2, 2011 – The average rate on the 30-year fixed mortgage hovered above its record low for a fifth straight week. Despite the great opportunity, few have the means or stomach to buy or refinance in the depressed housing market. Freddie Mac said Thursday the rate on the 30-year home loan rose slightly to 4 percent from 3.98 percent the week before. Eight weeks ago, it dropped to a record low of 3.94, according to the National Bureau of Economic Research. The average rate on the 15-year fixed mortgage was unchanged at 3.30 percent. Eight weeks ago, it too hit a record low of 3.26 percent. Rates have been below 5 percent for all but two weeks this year. Yet this year could be the worst for home sales in 14 years. Mortgage rates track the yield on the 10-year Treasury note. The yield rose this week after investors, encouraged by central banks’ joint effort to ease lending standards, shifted their money into stocks. Treasury yields rise when buying activity decreases. Low mortgage rates haven’t translated into higher home sales. Mortgage applications have dropped over the past few weeks, according to the Mortgage Bankers Association. High unemployment and scant wage gains have made it harder for many people to qualify for loans. Many Americans don’t want to sink money into a home that could lose value over the next three to four years. And most homeowners who can afford to refinance already have. The low rates have caused a modest boom in refinancing, but that benefit might be wearing off. Most people who can afford to refinance have already locked in rates below 5 percent. The average rates don’t include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount. The average fee for the 30-year was unchanged at 0.7 and 15-year fixed mortgages rose from 0.7 to 0.8. The average rate on the five-year adjustable loan ticked down to 2.90 percent from 2.91 percent. The average rate on the one-year adjustable loan also fell, declining to 2.78 percent from 2.79 percent. The average fees on the five-year and one-year adjustable loans were unchanged from 0.6. To calculate average mortgage rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.

The home that you see in the photo is an example of a great deal. Live in Stuart West, Palm City Florida, three bedroom, three plus acres, can have horses, pool home for a low price $259,000. Call me. I can show you this property. It is turn key.

Mortgage Applications are Rising. Check this Palm City Home.

This nice home in Stuart West is ready for a new owner. It has a bonus. Contact me for more information. It has three plus acres, pool, totally renovated in 2006 and reduced to $279,000. Check mortgages out today. Applications have been rising. We can get a great loan for you for this home too. Palm City, Florida. Mortgage applications rose 9.3% this past week as borrowers refinanced their home loans at exceptionally low interest rates. The Mortgage Bankers Association said refinancing apps grew dramatically, with the refi index jumping 11.2%, after the Fed announced it would move its portfolio towards longer-term Treasury securities. Meanwhile, the purchase index grew 2.6%, suggesting an increase in new home applications at the lower interest rates. "With lower rates, refinance application volume increased to its highest level since August 19, 2011," said Mike Fratantoni, the MBA's vice president of research and economics. "Purchase application volume also increased. However, the increase was in conventional purchase applications, which were up by 4.9 percent. Purchase applications for government loans fell by 0.6 percent over the week, likely influenced by the pending decline in FHA loan limits." The refinancing share of mortgage activity grew to 79.7% of all applications, up from 78.3% the previous week. The average interest rate for 30-year fixed rate mortgages with conforming loan balances of $417,500 or less fell to 4.25% from 4.29% this past week. Meanwhile, the average contract interest rate for 30-year, fixed-rate mortgages with jumbo loan balances fell to 4.51% from 4.55%. In addition, the interest rate for 30-year fixed-rate mortgages backed by the FHA fell to 4.05 percent from 4.07 percent. The 15-year, FRM increased to 3.47% from 3.46%, while the average contract interest rate for 5/1 ARMs fell to 2.95% fro 2.96%.

Western Ft Pierce Florida Nice Seven Acre Lot for Sale