Thursday, February 7, 2013

Homes with POOLS for Sale

Looking for homes with pools? Look no more. Click anywhere to view all homes for sale

LOTS AND LAND FOR SALE

Looking for lots or land to build your dream home? Look NO MORE click here.

HOMES FOR SALE IN MILESTONE

HOMES FOR SALE IN MILESTONE IN CANTONMENT, FLORIDA

OWING A RENTAL PROPERTY MAY BE A GREAT INVESTMENT

SWEET SPOT IN REAL ESTATE. RENTAL INCOME PRODUCING PROPERTIES MAY BE THE WAY TO GO? CLICK HERE TO FIND YOUR INVESTMENT TODAY. Per Real Estate News Owning a Rental Property Is 'Sweet Spot' in Market Daily Real Estate News | Thursday, February 07, 2013 Ultra-low mortgage rates mixed with housing affordability has made investing in a rental property pay off for investors. Many investors have eyed foreclosures, snagging them at rock-bottom prices, and turning them into rentals. Some home owners have also used the downturn in housing to purchase second homes and then rent out their first property, the Associated Press reports. Demand for rental housing remains strong. "In this market, at this point, it's a sweet spot," says Chris Princis, a senior executive at financial advisory firm Brook-Hollow Financial and owner of two rental properties in Chicago. "You're getting the market where it's just starting to rebound, but still at the bottom, with what's looking to be a great recovery." In earning a profit on a rental investment, Princis uses a formula: He charges 15 percent above monthly mortgage and maintenance costs. But it’s also important to know what comparable apartments are going for, and to be flexible in case you’re unable to find a tenant for months, experts note. The best investments for rentals typically prove to be in areas with a strong history of rental demand, such as neighborhoods near universities or homes in residential areas that are near schools to attract families.

Wednesday, February 6, 2013

WHAT CAN I BUY IN CANTONMENT, FLORIDA?

What can I buy in Cantonment, Florida? Search here for homes. Then call me for your showing.

Loan Demand Increases, Despite Rising Rates per NAR

Loan Demand Increases, Despite Rising Rates per National Association of Realtors Daily Real Estate News | Wednesday, February 06, 2013 Mortgage applications were on the rise last week even as interest rates continued to climb upward, the Mortgage Bankers Association reports in its weekly mortgage application survey. Loan requests for home purchases, viewed as a leading indicator of future home sales, climbed 2.2 percent in the week ending Feb. 1. Refinancing applications increased 3.5 percent. Overall, the MBA index, which includes both loans for purchase and refinancing, ticked up 3.4 percent during the week. Meanwhile, mortgage rates continued to fall slightly off all-time lows set in previous weeks. The 30-year fixed-rate mortgage averaged 3.73 percent last week, up from 3.67 percent the week before. The 30-year fixed-rate mortgage, the most popular choice among home buyers, has risen seven of the last eight weeks, according to the MBA. Source: “U.S. Mortgage Applications Rose Last Week Despite Rate Hike,” Reuters (Feb. 6, 2013) Call a Realtor today to start your home search in Pensacola Florida. CLICK TO SEE ALL HOMES IN PENSACOLA FLORIDA.

Monday, February 4, 2013

BRICK HOME 3/2 WITH ABOVE GROUND POOL FOR UNDER 95,000

Great home for sale near bases, I-10, hospitals, Pensacola State College. All brick, 3/2, above ground pool with deck under 95,000. VIEW ALL HOMES FOR SALE HERE IN PENSACOLA FLORIDA

WHAT IS THE MARKET DOING?

WHAT IS THE MARKET DOING CLICK HERE TO SEE ALL THE INFORMATION YOU NEED TO KNOW. LET ME KNOW HOW I CAN HELP YOU?

PERDIDO KEY FLORIDA CONDO'S AS LOW AS $164,500

CONDO'S AS LOW AS 164,500. NOW IS THE TIME TO PURCHASE YOUR DREAM HOME IN PENSACOLA FLORIDA AND PERDIDO KEY FLORIDA

Mortgage Rates Continue to Climb per Freddie Mac

Freddie Mac SAYS! Mortgage Rates Continue to Climb Daily Real Estate News | Friday, February 01, 2013 Mortgage rates continued to “trend upwards this week amid a growing economy led in part by the recovering housing market,” says Frank Nothaft, Freddie Mac’s chief economist. The 30-year fixed-rate mortgage, the most popular choice among home buyers, rose above a 3.5 percent average for the first time since Sept. 13, 2012. Freddie Mac reports the following national averages for mortgage rates for the week ending Jan. 31. 30-year fixed-rate mortgages: averaged 3.53 percent, with an average 0.7 point, rising from last week’s 3.42 percent average. A year ago at this time, 30-year rates averaged 3.87 percent. The all-time low for 30-year rates was recently set on Nov. 21, 2012, averaging 3.31 percent. 15-year fixed-rate mortgages: averaged 2.81 percent, with an average 0.7 point, rising from last week’s 2.71 percent average. Last year at this time, 15-year rates averaged 3.14 percent. 5-year adjustable-rate mortgages: averaged 2.70 percent, with an average 0.6 point, rising from last week’s 2.67 percent average. Last year at this time, 5-year ARMs averaged 2.80 percent. 1-year ARMs: averaged 2.59 percent, with an average 0.5 point, rising from last week’s 2.57 percent average. A year ago, 1-year ARMs averaged 2.76 percent. Source: Freddie Mac If you are looking to purchase a home, condo, town-home or investment property CLICK HERE to view homes for sale. Call Diane Harmon, Realtor, "The Harmon Murphy Group" today to start your home buying search.

5 Overlooked Tax Breaks - Check this out and Maybe save some money!!

5 most-overlooked deductions can save money WASHINGTON – Feb. 4, 2013 – There’s a lot of talk right now regarding Americans paying their “fair share” to the tax man. While many issues are up for debate, most parties agree that the tax code needs some work. But as you gather documentation to do your 2012 taxes, forget about future tax policy. The important thing is to make existing tax breaks work in your favor. Nobody should pay more tax than they have to – and if the IRS provides a legal deduction, it’s not sneaky or unfair to take it. The problem is that a convoluted tax code prevents many Americans from finding some deductions they’re entitled to. Here are five commonly overlooked deductions that may be worth noting. “Catch-up” retirement deductions. The IRA contribution limit for younger Americans is $5,000 for tax year 2012, but you get up to $6,000 if you’re 50 and older. This deduction is designed to help those closer to retirement catch up if they’re behind - and considering that some polls estimate half of Americans have zilch in retirement savings, you can understand why many need to catch up. Job-hunting costs. Did you pay fees to an employment placement agency during your job search or join a professional organization to network? Are you out of pocket for travel to an interview, even if it was just gas and mileage, or did you spend hundreds on high-priced resume stationery and work samples? These are applicable expenses that can be added to your itemized deductions. Best of all, you don’t have to be unemployed to qualify for many job-hunting tax breaks: Just looking for a job in your present field of employment allows you to reap these benefits. Make sure you’re being reasonable, and that these costs are 100 percent related to a job search. In other words, a trip to the Super Bowl is not a tax write-off just because you fill out an application at Starbucks while you’re in New Orleans. Interest on student loans paid by someone else. Since it’s your name on the loan, it’s your deduction, even if your parents co-signed and they’re making the payments. The only way your parents can claim the interest is if you’re still a dependent on their tax return or if the original loan was wholly in their names. Glasses and contacts. Prescription eyeglasses or contact lenses are in the same category of itemized deductions as a wheelchair or a hearing aid. While it might not seem like a medical expense to buy reading glasses with pink plastic frames, the IRS will cut you a break. Considering what some of us pay for designer eyewear, this can add up. Out-of-pocket charity expenses. It’s easy to include the documentation from cash donations. But what about the little things, such as paint and poster board for a school fundraiser, or the ingredients in your famous green bean casserole, which is served at the local soup kitchen each Sunday? Don’t forget the driving, either. While commuting to and from a charity office doesn’t count, delivering meals or chauffeuring other volunteers can be deducted at a rate of 14 cents per mile. A qualified tax adviser will know more itemized deductions, and the IRS offers tax tips on its website.