James Mulligan, Suncoasteam Realty, is the area’s certified Movoto Real Estate broker, serving Charlotte and Sarasota Counties and the communities of Port Charlotte, Punta Gorda, Rotonda, Englewood, Gulf Cove, South Gulf Cove, Placida, Boca Grande, North Port, Venice and Sarasota.
Suncoasteam Realty, Property Management Division offers services to owners and renters in Port Charlotte, North Port and Punta Gorda. Through 2011, our team will expand services and also extend our reach in Englewood, Venice and Rotonda and increase our presence in North Port.
If you own an investment property and wish to rent on an annual or seasonal basis, please consider Suncoasteam Realty’s Property Management services. With our experience in the area of property management we offer a full suite of services. You may choose our full service management, or from our list of ala carte services.
Many savvy investors are purchasing real estate at record low prices with the intention of earning a steady stream of passive income. All too often we hear from these investors that their passive income is much more active than they anticipated. That is where we come in. We can help make your real estate investment much less stressful and more profitable. Some of the many services that we offer are:
We have built successful and professional relationships with the area’s insurance companies, real estate attorneys and contractors. Whether you are just starting out and need a local resource for properly organizing your business, or have an established portfolio, we are your one-stop resource.
For information on our property management services:
Punta Gorda and Port Charlotte, please call Donata Noone: 941-875-4744, donata@suncoasteam.com
North Port, Rotonda, Englewood and Venice, please call Jeff Hinrichs: 941-456-1251, jeff@suncoasteam.com
Map of Riverwood Neighborhoods
CLICK MAP TO ENLARGE
Riverwood is a gated community in Port Charlotte, FL with neighborhoods of upscale homes and condos.
For more information about Riverwood please call Ted McDermott at 941-979-6428 or visit our website article about Riverwood: Riverwood in Port Charlotte, Florida homes and condos for sale and more information
Southwest Florida continues to rank among the best and most popular places to retire. With the price of homes and condos in the area remaining at record low prices, there is no better time than now to buy a home in Port Charlotte, Punta Gorda, North Port, Rotonda or Englewood. Condos in Punta Gorda Isles are a spectacular buy, most with dockage for a boat.
In a report conducted buy Portfolio.com, these areas were the most popular retirement cities.
Most Popular Retirement Cities
1. Sarasota-Bradenton (also known as the North Port – Sarasota – Bradenton Metropolitan Statistical Area)
2. Prescott, Ariz.
3. Lake Havasu City, Ariz.
4. Cape Coral-Fort Myers
5. Naples
6. Palm Bay-Melbourne
7. Homosassa Springs
8. Ocala
9. Punta Gorda (amazing that this very small city should rank so high)
10. Port St. Lucie
.
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Strausbourg Manor wall clock, 28″x13″, $25
Part of the City of Punta Gorda, Deep Creek, Florida is a deed-restricted community in Charlotte County Florida. Deep Creek is one of the most affordable luxury communities in Florida. With a beautiful golf course and close to many others, Deep Creek is a paradise. Boaters will enjoy Deep Creek’s proximity to the Peace River and Charlotte Harbor. Deep Creek has an excellent selection of single family homes for sale as well as many beautiful condominiums.
Please visit our website to view a video tour and research properties for sale: Deep Creek, Florida Real Estate and tour of the community.
Please do not hesitate to call Your Suncoasteam if you have questions about properties in Deep Creek, FL. 941-235-7474
Englewood, FL, on the beautiful gulf coast, has a wide array of desirable homes for sale. You can choose among a modest seasonal retreat, a comfortable pool home or an island paradise within walking distance of the best beaches in the US.
Please visit our article, Englewood, Florida Homes For Sale where you can view all Englewood real estate listings along with photos, information and maps of the area.
Please do not hesitate to call or email f you have questions.
Jim Mulligan
Suncoasteam Realty: 941-235-7474
jim@suncoasteam.com
To view Riverwood MLS listing and view properties on a map, visit our website article at:
Riverwood Homes and Condos For Sale, Port Charlotte, FL
http://www.suncoasteam.com/articles/133.html
Ted McDermott
239-272-8319
ted@suncoasteam.com
Your credit score is perhaps the most important statistic in your financial life. Maintaining good credit is imperative when applying for a mortgage or other credit. It even factors in when buying insurance, especially auto insurance. Therefore, doing your best to keep a high credit score or improve your score could save you heaps of money.
There are several “credits scores”, including Beacon, FICO, Precision and Pinnacle. They basically do the same thing; rate your credit worthiness. Only a small change in your credit score can impact the amount you pay for a loan or your insurance so reviewing your report each year and correcting problems is important. By government mandate, the three major credit reporting agencies operate a website where one can order a free report. This site is: Annualcreditreport.com. Do not confuse this site with others where you are lured to the site by cute TV ads then pressured to pay for reports.
After reviewing your reports, you can contact the credit agencies and dispute any incorrect information. Nevertheless, there are several items to which you should pay very close attention and correct as soon as possible to insure good credit. One important measure you can take to help you achieve your goas is to budget. Yes BUDGET. Take a half hour to examine your monthly average income and your basic bills. Below are measures your can take to insure a good credit score or improve upon your score.
1. Avoid maxing our your credit card. This sounds simple but many people do not pay close attention to their budget and the next thing they know, they are at the limit. If this is the case, make every effort to pay down the balance as soon as possible.
2. Avoid missing payments. Even one missed payment will hurt your score. Set up warnings on your computer calendar to remind you in time to make your payment and make at least the minimum. While it is best to make a payment large enough to reduce your balance, even in a tough month, pay the minimum.
3. Avoid Expensive Credit. High interest credit cards or finance companies that charge very high reates will send up a “red flag” to the credit reporting companies. Know your rights. Credit card laws enacted in 2010 prevent raising interest on old balances (with some exceptions) and require payments above the minimum to be applied to the highest interest balances. There are more protections. Research them.
4. Avoid taking out too many credit cards. When you go to a department store the clerk often temps you with a savings of 10% or more if you will accept one of their company’s credit cards. Don’t fall for that trick! With each credit card you own, the credit reporting companies reduce your credit score. It appears as excessive consumer credit and down goes the score. Try to hold one or two cards that you use on a regular basis and keep the balance as low as possible. While it is sometimes necessary to maintain a balance for a few months, pay the cards down as soon as you can. If you have a large number of cards you can close some but do so at a measured rate. You don’t want to close too many at once and you certainly do not want to close the ones with the best terms and the ones which you have the best record. Sometimes you have to work a deal with the credit card companies to “write off” some of the debt. Try to avoid this but if you do, work out a deal that will not report an unpaid balance on your credit report. That is the same as a default and could last seven years or longer on your report.
5. Avoid cash advances. Cash advances are accompanied by fees and usually higher interest rates. Even if they have a low interest rate for a period of time, the fees often make up for that. Also, credit reporting companies look at a cash advance with suspicion.
6. Understand promotional rates. Credit card companies often market with promotional or introductory interest rates that will change over time. If you do not understan this you could easily be caught with a huge monthly payment.
7. Avoid over limit charges. There are many fees that credit card companies levy to make more money. One of these is the over limit fee, often $40 or $50! Stay within your credit limit. Going over the limit will deduct points from your credit score.
8. Avoid declaring bankruptcy. While this is unavoidable at times, bankruptcy will stay on your credit report for a long time and make any credit almost imposible to obtain. Working with lenders to pay your debts will maintain credit and allow it to rebound faster.
One of the best and fastest ways to establish good credit is to get one credit card from your bank and use it at least once each month. Pay the balance in full each month, on time. If you make a large purchase such as a new refrigerator or such, you can make payments over several months but pay as much as you can over the minimum and pay it down as soon as you can. This will show the lenders that you are a good risk and a reliable payer._
If you find that there is an error on your report you can contact the credit reporting agencies.
Experian-1-888-397-3742_www.experian.com
TransUnion-1-800-916-8800_www.transunion.com
Equifax-1-800-685-1111_www.equifax.com
President Obama signed an extension of the $8,000 tax credit for first-time buyers. The extension adds money for some move-up buyers.
The maximum tax credit remains $8,000. Anyone who has not owned a home within three years is considered a first-time buyer. Your purchase must be under contract by April 30, 2010. Your purchase must close no later than June 30, 2010.
After Dec. 1, 2009, income limits are $125,000 for singles and $225,000 for married couples.
The maximum home value purchased cannot exceed $800,000.
An existing homeowner who purchases a home may now claim a tax credit of up to $6,500. You must have owned and used the same home as your primary residence for any consecutive five-year period in the previous eight years. Personal income limits, maximum home value, and contract/closing deadlines are the same as those for first-time homebuyers.
Florida homeowners who have a homestead exemption qualify for property tax portability.
First-time Florida homebuyers are eligible for interest-free bridge loans from the State of Florida to use tax credit money for down payment and closing costs. Once they receive their tax credit money back from the IRS, they repay their loans to the state.
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