Tuesday, December 16, 2008

$$MILLION Dollar Waterfront Luxury Villa 45% DISCOUNT

http://www.youtube.com/watch?v=1VonLv70z6k

Tampa Bay Mid December Merry Christmas

Your REALTOR:
Bonnie Fagoh
December 2008
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2008 Realty TimesAll Rights Reserved.
Real Estate Outlook: Mortgage Applications Rise
If new mortgage applications are a reliable gauge of forthcoming home purchases, looks like we've got a bumper crop taking shape out there.
Last week the Mortgage Bankers Association's national survey registered a record 37 percent jump in applications for new conventional loans to buy houses, and a 39 percent increase for home purchases using FHA mortgages.
The reason for the sudden surge? A half point drop in 30 year fixed mortgage interest rates to 5.47 percent -- which was down from 6 percent the previous week -- and to just 5.13 percent for fifteen year loans.
The rate drop happened almost overnight, after the Federal Reserve announced plans to pump up the housing sector by buying $100 billion worth of bonds issued by Fannie Mae and Freddie Mac.
The Fed also said it plans to buy about half a trillion dollars of mortgage-backed securities issued by Fannie, Freddie and Ginnie Mae beginning this month. Ginnie backs the FHA side of the market, just as Fannie and Freddie do on the conventional side.
So why did the Fed's moves mean so much? Because mortgage rates have been higher than they should recently due to bond investors' uncertainty about the safety of Fannie and Freddie.
Both companies racked up multi-billion dollar losses last quarter, causing investors to demand extra-high premium returns before they'd buy Fannie or Freddie debt.
But now that's over. The government's backing of Fannie and Freddie is explicit and big. Investors are reassured. They'll take lower premiums, allowing consumers to get lower mortgage rates.
Although lenders report their phones were jammed with applications from people who want to refinance, the big surprise was the huge jump in applications from consumers who plan to buy houses.
With prices down in the majority of markets, more and more people are finding that the equation now works: Fixed rates in the mid-fives combined with pricing at 2003 and 2004 levels make a compelling case that this is an excellent time to buy - provided you've got a downpayment and reasonable credit.
The bright spot in housing finance came in a week that was otherwise pretty much an economic downer: More bad news on Wall Street; followed by the official designation that we're now in a recession.
One additional bright spot to report: Unsold inventory -- the backlog of houses that weighs down local markets -- dropped by a full point and is now down 4 and a half percent for the year.
That's a very positive sign and should only get better with lower mortgage rates

Monday, December 8, 2008

December Update

Your REALTOR:
Bonnie Fagoh
December 2008
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2008 Realty TimesAll Rights Reserved.
Daily News And Advice
Updated 01:00 AM CST Today
Today's Feature Stories

Washington Report: Rate Reduction Proposals All the details haven't been nailed down, but Washington has been buzzing in the past week that the Treasury Department has actually listened to the housing and real estate industries' calls for widescale rate reductions for home purchases. FULL STORY->
December Cybertips Thinking of building that deck? How about an attractive tool or pool house? Whatever chore you envision, you can now envision it better in 3D. This tip and more in this month's column. FULL STORY->
Condo Trends: The Trend That Gives and Give If you're nearing the age of 50, then you've probably already heard about a type of design in housing called "universal design." FULL STORY->
Silver Lining Behind A Foreclosure? There's hardly any good news to speak of when the words mortgage and foreclosure are used in the same sentence but one self-proclaimed wrongful-foreclosure homeowner has identified a silver lining behind the massive cloud. FULL STORY->
Long-Term Mortgage Rates Plummet; Short-Term Rates Fall But Not as Dramatically Freddie Mac today released the results of its Primary Mortgage Market Survey (PMMS) in which the 30-year fixed-rate mortgage (FRM) averaged 5.53 percent with an average 0.7 point for the week ending December 3, 2008, down from last week when it averaged 5.97 percent. Last year at this time, the 30-year FRM averaged 5.96 percent. The 30-year FRM has not been lower since January 24, 2008, when it was 5.48 percent. FULL STORY->
Investor Report: Diversify in Mexico Investors looking to diversify their portfolios into land or rental properties -- that are still gaining in market value -- ought to look south of the border. FULL STORY->
HeadlinesLong-Term Mortgage Rates Plummet; Short-Term Rates Fall But Not as DramaticallyFreddie Mac today released the results of its Primary Mortgage Market Survey (PMMS) in which the 30-year fixed-rate mortgage (FRM) averaged 5.53 percent with an average 0.7 point for the week ending December 3, 2008, down from last week when it averaged 5.97 percent. Last year at this time, the 30-year FRM averaged 5.96 percent. The 30-year FRM has not been lower since January 24, 2008, when it was 5.48 percent. FULL STORY->Hot Market: 3Q in Florida Shows Strengthening MarketHome buyers and investors are making their way south again to the Sunshine State. The third quarter sales statistics demonstrate sales increases across the board with a 5 percent increase in sales for the quarter compared to the same quarter a year ago. FULL STORY->Investor Report: Diversify in MexicoInvestors looking to diversify their portfolios into land or rental properties -- that are still gaining in market value -- ought to look south of the border. FULL STORY->Silver Lining Behind A Foreclosure?There's hardly any good news to speak of when the words mortgage and foreclosure are used in the same sentence but one self-proclaimed wrongful-foreclosure homeowner has identified a silver lining behind the massive cloud. FULL STORY->Good Intentions Don't Excuse Poor ResultsThe world has changed dramatically in the last 50 years. There has been more innovation and more technological progress in the last 80 years than there were in the previous years added together since the beginning of time. FULL STORY->Market ConditionsFed Chairman Ben Bernanke said yesterday that more must be done to help homeowners -- and that help needs to include the government and banks stepping up to the plate. FULL STORY->No Place Like Home For SavingsHome-related expenses account for a large portion of cost-of-living increases. Your home is also chock full of potential savings that can help you get into your next home. FULL STORY->How to Build Your Business This Holiday SeasonProspects are on vacation, the family is staying over, and it's real easy to postpone any sales related activities. Here's how to stay on top of your business. FULL STORY->Market ConditionsThe National Association of Realtors is reporting that curb appeal may be just the way to get the most out of your investment. FULL STORY->American Petroleum Institute Wins the 2008 Community Builder AwardRebuilding Together, a leading nonprofit organization working to preserve affordable homeownership, honored The American Petroleum Institute (API) with the Patty R. Johnson Community Builder Award for 2008. FULL STORY->Interest Rate Buy-Down is Major Element of NAR Housing Stimulus PlanSo Many Different Business Plans: Which Do You Choose?Ask the HOA ExpertAdopt the "Forge Ahead to Prosperity" Attitude Essential in BusinessReal Estate Outlook: Sales Jump in Ailing MarketsThe Small House MovementWill 2009 Be an Awesome Year? 10 Tips To Get ReadyMarket Conditions30-Year Fixed-Rate Mortgage Rate at Seven-Week Low According to Freddie Mac Weekly SurveyAgents Need to Be on Guard When Handling Short SalesWashington Report: Modifying Loan TermsGreen Counter Tops Tell An Eco-Friendly StoryHot Market: Elmira, NY -- Stable Economy, Moving PricesTechno-SellingInvestor Report: 1031 TIC BankruptcyThese Are the 'Best of Times' for Multifamily TIC Providers and Investors: Part IITelling Your Home's Story SellsCan You Rely on Your SOI Even in Today's Market?Just Two ThingsGreen Building is Growing Despite Down Market, According to Report from McGraw-Hill Construction
CURRENTMORTGAGE RATES
Interest Rate Watch
30 yr fixed:
5.53%
15 yr fixed:
5.33%
1 yr adj:
5.02%
(U.S. Daily Averages)
LIBRARY
Buyers AdviceSellers AdviceHomeowners AdviceAdvice for New HomesAdvice For BorrowersRental AdviceHomeowner Association NewsNAR News
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Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://www.TampaCoastalHomes.com813-390-7606
Century 21 Beggins Enterprises813-658-13446542 U. S. Hwy. 41 N.Apollo Beach, FL 33572
Equal Housing Opportunity


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Monday, December 1, 2008

December 2008


Your REALTOR:
Bonnie Fagoh
December 2008
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2008 Realty TimesAll Rights Reserved.
Should I Take My Home Off the Market During the Holidays? When you look at your calendar you may find the months already overloaded with seasonal obligations -- shopping, entertaining, children's pageants, charity work, decorating the house, and so much more. If you are also trying to sell your home, you are under extra pressure to keep your home in "showtime" condition. And that could be the last thing you need before the holiday spirit is broken. It is understandable why you would be tempted to take your home off the market during the holidays. And the list of justifications is long. If you are too busy, buyers may be also, and you may
Mortgage Rates U.S. averages as of November 26, 2008:30 yr. fixed: 5.97%15 yr. fixed: 5.74%1 yr. adj: 5.18%30 yr. jumbo: 6.98%-->
View current rates
find your efforts unrewarded with not enough showings. And what if you do get an offer? You may be faced with the possibility of packing and moving during the busiest time of the year. Besides, you can give your house a rest, and it will
CONTINUED >>>
Wondering What Your Home Is Worth?Let me show you.
Disclosure: Safest WayTo Sell A Home If you're putting your home on the market, better be sure you're ready to tell all -- good and bad. "The majority of lawsuits or claims that occur are as a result of buyers finding out about something that is wrong with their property after the close of escrow and coming to the belief that the seller knew but didn't tell them," says real estate attorney, Peter Solecki of Winton & Larson, LLP. Disclosure is vital. In one extreme case, it may have spared a seller from going to jail and even saved lives. The New York Times reported on a trial back in the late eighties that found the seller of a home guilty for not disclosing to the buyers that the home's heater had malfunctioned. The buyers and one of their children were asphyxiated by fumes from a gas-fired heater used to de-ice the driveway of their home. Only their four-year-old child survived. The seller was convicted of involuntary manslaughter. This case is believed to be the first of its
CONTINUED >>>
Real Estate Outlook: Sales Picking Up Tempo Here's a key question about the current market: Do you look at home prices to figure out where we are in the real estate recovery cycle, or do you focus on sales? In an economy where an estimated 35 to 40 percent of all home transactions are foreclosures or short sales - distress situations in other words -- prices won't really guide you much beyond the conclusion that: We're still "correcting” the excesses of the boom years, still peeling back those wild and unsustainable hyperinflationary price run ups. So it's no surprise that median prices are down, year to year, in a majority of large markets across the country. Sales statistics, on the other hand, tell you how fast buyers are responding to those lower prices -- and greatly improved affordability. Right now, in market after market, sales are picking up tempo -- especially in places where prices once spiraled out of control. Third quarter sales of existing homes in the U.S. were up by 2.6 percent over second quarter 2008 levels, according to the National Association of Realtors' latest study. That's not spectacular -- but let's face it: It's forward movement … and we're in
CONTINUED >>>
Green Counter Tops Tell An Eco-Friendly Story Upgrading kitchens is one of the best ways to increase value in your home. Deciding to remodel the kitchen using green recycled materials can add extra appeal. It also gives homeowners a good feeling knowing that once-wasted materials that are generated from glass manufacturers are now being put to good use. "A lot of people are deciding to go green and this is definitely a green-certified product because it is 85 percent recycled glass," says Cody Nosko, President of CCM Enterprises. She’s talking about Vetrazzo—a slab of material made from recycled glass and concrete and used mostly in residential homes for kitchen and bathroom countertops although it can go anywhere natural stone is commonly used. The
CONTINUED >>>Local Market Conditions
Daily News and Advice -->Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
More Articles

November Round Up: Rates Falling

Holiday Wish List

Home Warranty May Come in Handy

Maintaining Curb Appeal Through Winter
Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://www.TampaCoastalHomes.com813-390-7606
Century 21 Beggins Enterprises813-658-13446542 U. S. Hwy. 41 N.Apollo Beach, FL 33572

Monday, October 20, 2008

Tampa Title Tigers***!!!

Go Rays*** Go Bucs**** Go Tampa See you at the Super-Bowl Feb. 1st In

Tampa Title Town with "Bella Bonnie" at the beautiful Bella Sol Villas

In Apollo Beach Florida call "Bella Bonnie for a FREE Boat Tour**

Go Tampa Rays***********

Congrats ..........Tampa Rays **********

Wednesday, September 10, 2008

Tampa Coastal Homes, Tampa Real Estate: September Real Estate Report#links

Tampa Coastal Homes, Tampa Real Estate: September Real Estate Report#links

September Real Estate Report

Your REALTOR®
Bonnie Fagoh
September 2008
Copyright 2008 Realty TimesAll Rights Reserved.
-->
Rates Drift Lower In Freddie Mac's results of its Primary Mortgage Market Survey the 30-year fixed-rate mortgage (FRM) averaged 6.40% for the week ending August 28, 2008, down from the previous week when it averaged 6.47%. Last year at this time, the 30-year FRM averaged 6.67%. The housing front is providing some encouraging signs. The pace of home price declines slowed down for the fourth straight month in June and the number of metro areas exhibiting monthly gains rose from
Mortgage Rates
Source: Realty Times
U.S. averages as of August 28, 2008:
30 yr. fixed: 6.40%15 yr. fixed: 5.93%1 yr. adj: 5.33%
seven to nine, according to the S&P/Case-Shiller 20-city composite index. There are also signs more buyers may be getting ready to return to the market.
Existing-Home SalesHit 5-Month High
Existing-home sales rose in July to the highest level in five months, although they continue to be well below the numbers from last year at this time. Existing-home sales increased 3.1% in July to a seasonally adjusted annual rate of 5 million units from a downwardly revised level of 4.85 million in June. NAR President Richard F. Gaylord, said the up-and-down pattern may break soon. "We hope the new tools in the hands of home buyers from the recently enacted housing stimulus package will spark a sustained sales uptrend in the months ahead," he said. "Buyers who've been on the sidelines should take a closer look at what's available to them now in terms of financing and incentives.
Avoid Surprises: Know Your Homeowner's Coverage The typical homeowner's policy includes coverage for perils and losses due to fire, lightning, tornadoes, windstorms, hail, explosions, smoke, vandalism and theft. Just as you would scrutinize the terms of your medical insurance, the nuances and details of your homeowner's policy should be examined seriously. Too often, homeowners sign up for a policy and go on autopilot regarding its terms and coverage without taking new acquisitions, risks, and increasing value of their homes into consideration. Most insurance agents recommend a regular insurance "check-up" for consumers, so that homeowners are not left "high and dry" when disasters and losses strike.
How to Improve and Maintain Good Credit Many people get in trouble with credit cards at a young age, mostly college age, and spend a large portion of their twenties trying to raise their credit scores. What should be emphasized to students, even before college, is to beware of credit card debt. Consumers should only make purchases that can be paid off at the end of the month and pay their bill on time every month. That can increase your credit score dramatically and in a short period of time. Also, balances should never be more than 30 percent of the credit limit. So remember maxing out credit cards can hurt your score and keep you from buying a home in the future. Another thing consumers can do to improve their score, or maintain a good score, is to pay bills on time. This includes utility bills, medical bills, and cell phone bills. Remember, it can take at least seven years to remove a collection from your credit report. This is a negative mark against you when you try to apply for a home loan. It is possible to correct and maintain a good credit score if you know the proper steps to take. Don't be too hard on yourself, we all make mistakes, but it's what you do now to correct them that counts. If you are unsure how to go about it, talk to a professional.
Equal HousingOpportunity
Bonnie Fagoh 813-390-7606bonniefagoh@century21beggins.comhttp://www.TampaCoastalHomes.com
Century 21 Beggins Enterprises813-658-13446542 U. S. Hwy. 41 N.Apollo Beach, FL 33572

Tuesday, September 2, 2008

ECO-VACATION VILLAS AT PILAR'S HARBOUR

Richard Conn will be your contact for rates and to book reservations. His number is: 727-798-9800.
He has already rented a total of 12 months in only 4 days! The web site should be available Oct. 1st for you to register your renters. Until then please contact Rich.

Weekly/Monthly Rates effective 8/1/2008 to expire 10/01/2008 (Early Booking Discounts) booked rates are locked in. These rates do not apply to Super bowl week unless part of a 2 month or greater prepaid rental (ask for details).
Standard Unit Deluxe Unit
Oct-Nov-December $540/1,800 $600/$2,000
Jan-Feb-Mar-April $660/$2,200 $720/$2,400
May-June $540/$1,800 $600/$2,000
July-August-September $450/$1,500 $540/$1,800

After October 1st the rates will go up 15% as we will have online booking at that point.

The attached brochure is for you to give to clients. It contains ALL the pertinent information for Eco-Vacation Villas at Pilars Harbour. Please familiarize yourself with the information.

As a C21 Beggins Agent, you are paid a 15% referral fee.
[Apollo Beach Mailing List]
/**/
/**/

Monday, August 11, 2008

Fantastic Pool Home with Covered Dock

Fantastic Tampa Bay Pool Home right in time for the Super Bowl!! Lets go on
a FRee Boat Tour!! www.TampaCoastalHomes.com or call Bonnie at 813 390-7606

http://www.youtube.com/watch?v=93-LwC6eoGI

Watch this short Pool Home video and register for free boat tour

Tuesday, August 5, 2008

Hot August!!

August 2008
Covington Park Property Wizard
Real Estate Update for Covington Park Area
There are 100 Residential Properties for sale in Covington Park per the Multiple Listing Service (MLS)
as of August 1st. There were 7 residential resale closings in Covington Park between 6/30/2008
and 7/31/2008 as reported in the MLS and SOLD by various MLS participants.
See inside pages for Homes and Properties with Addresses and Sold Prices.
Covington Park
Property Wizard
6542 N. US Hwy 41. Ste 101
Apollo Beach, FL 33572
(800) 393-2554, Ext 1344
(813) 390-7606
www.BonnieFagoh.com
• We’ll tell you about the ups and downs of the Covington Park Real Estate Market.
• We’ll offer you tips on real estate.
• We’ll keep you up-to-the-minute on sales in our community.
• We’ll negotiate discounts and freebies on goods and services in our community.
• Want a job? We’ll help you get your real estate license and even pay for it.
• A virtual tour of property? We’ll guide you on BonnieFagoh.com or TampaCoastalHomes.com.
• We’ll provide you with your “Finest Real Estate Experience”…GUARANTEED…or we’ll pay you!
If you are looking to buy,
sell, or invest and need
Professional Real Estate
Guidance, feel free to
contact Bonnie Fagoh at:
813.390.7606 or
BonnieFagoh@
Century21Beggins.com
Bonnie Fagoh
Stamp
FREE Boat Tours
To Schedule, Call (813) 390-7606
I’m Making Things Happen!! See Inside!!
As your Real Estate specialist in Covington Park and the
surrounding areas, I would be happy to help you with all of
your real estate needs. If you or anyone you know is
considering buying or selling, I can help by providing a
Strategic Pricing Analysis
specific to that property. Through extensive training and
market knowledge we’ve found this information necessary
to determine whether now would be the right time to consider
a move. Homes are selling because
Buyers are buying! Let this be a good time for you
to move to the home of your dreams!
Together we can make that happen.
Call me today!!!
Bonnie Fagoh (813) 390-7606
FEATURED PROPERTIES
Wanted: People with Passion … People with Heart
If you live here, why not work here? If you love working with people & live in Covington Park, we want to talk to you about
a super career. We’ll help you get a license & teach you how to make money and transform your life.
Ask about our management development program.
Attend our career seminar Tuesdays, 5:30-6:30 PM, 6542 N US Hwy 41. Ste 101, Apollo Beach RSVP 813.645.8481
Why is Century 21 Beggins Enterprises Better?
When you …LIST WITH US ...we’ll get you the highest price ...
Within your time frame ...with the most convenience ...GUARANTEED!
The Solution is C.A.B.E.T.
At CENTURY 21 Beggins Enterprises, C.A.B.E.T. sets us apart:
♦ Customer Care receives all calls and agents return them
in 10 minutes...GUARANTEED!
♦ Advertising is 24/7 with our own in-house newspaper,
Realtor.com, CENTURY21.com, and C21Beggins.com …
GUARANTEED!
♦ Boat Tours guide clients around the Tampa Bay area…
GUARANTEED!
♦ Experience...Your Finest...or we pay you...GUARANTEED!
♦ Training...formal agent training daily...GUARANTEED!
The Problem is Them
Most real estates have poor reputations because:
♦ They don’t return calls, or fail to timely contact sellers
♦ Advertising is nonexistent, sporadic, or ineffective.
♦ The Company does little to differentiate itself from other
companies.
♦ Most people’s real estate experience is mediocre with
no guarantees.
♦ Most Real Estate Agents are untrained in the myriad of
details involved in closing real property. They fail to
become experts in their local area.
LOCATION-LOCATION-LOCATION! Waterfront home plus a Boaters
delight! Spectacular views from this almost 2000 sf, 3 bedroom, 2
bath, home that shows pride of ownership. Includes a screened Lanai
with an in-ground pool overlooking canal. Enjoy breathtaking sunset
views while watching dolphins play near your dock. Take your boat
and be in Tampa Bay in just minutes. This is the home you have been
waiting for!!
For more information, contact your Real Estate Specialist,
Bonnie Fagoh at 813.390.7606, or BonieFagoh@Century21Beggins.com
You will be impressed with the pride of ownership from the moment you enter this
4 bedroom plus bonus room, 3 bath, 3 car garage home. This home truly lives well
with its open spacious floor plan and ample-sized rooms. The kitchen has 42 in
cabinets, plenty of counter space including a large island and a walk-in pantry.
The 4th bedroom/den would make a wonderful office or nursery as it is just
outside the large master suite. Let your imagination run wild in the second floor
16x20 bonus room. The privacy-fenced back yard is large enough to add a pool
and still have plenty of backyard left. The garage floor is epoxy-sealed and the
attic space above has a sturdy pull-down ladder so you can access the tallenough-
to-stand-in space with decking and shelves for storage. Listing Price may
not be sufficient to cover all encumbrances, closing costs or other Seller charges
and sale of property at full listing price may be conditioned upon approval of third
parties.
For more information, contact your Real Estate Specialist,
Bonnie Fagoh at 813.390.7606, or BonnieFagoh@Century21Beggins.com
Room-to-Roam in this 4 Bedroom Home...!! $ 225,000!
Ruskin Waterfront POOL Home!!! Only $ 425,000!!
PROPERTIES SOLD
What Buyers Paid For Resale Properties in Covington Park 6/30/2008 to 7/31/2008
Address List Price Sold Price DOM Address List Price Sold Price DOM
6811 Surrey Oak $134,900 $130,900 500 7527 Oxford Garde n Cr $143,500 $130,000 296
6931 Exeter Park $144,900 $137,000 466 7312 Bristol Park Dr $154,900 $145,000 136
6802 Guilford Crest Dr $198,800 $190,000 185 6802 Guilford Bridge Dr $200,000 $200,000 151
6616 Carrington Sky $311,000 $300,000 69
This representation is based on data gathered from the Mid-Florida Regional Multiple Listing Service and does not guarantee its accuracy. Data maintained by the MFRMLS may not reflect all
real estate activity in the market. These properties have been listed and sold by various MLS participants. While every effort has been made to ensure the accuracy of the properties presented
herein, CENTURY 21 Beggins Enterprises cannot be responsible for typographical errors or omissions. CENTURY 21 Beggins Enterprises is committed to and fully supports
EQUAL HOUSING OPPORTUNITY. Each office is independently owned and operated. It is not our intention to solicit the offerings of other real estate brokers.
We are happy to work with them and cooperate fully.
Message from the Broker:
Craig Beggins, President, CENTURY 21 Beggins Enterprises
August 2008
“The Truth About The Storm”
Hello Again,
Here’s an appropriate analogy for this time of year. Have you ever noticed that whenever it’s hurricane season, the media is
constantly giving us news about the potential threat of a disturbance that may be coming. As soon as there’s any disturbance,
they pounce all over it and they literally create fear and anxiety in the viewers.
For those of us who have lived in Florida for a long time, we know that the weather before a hurricane is typically wonderful;
we know the storm is dangerous IF it affects us, and we also know that the weather after the storm is typically even better
than it was before the storm.
Today’s Real Estate Market is like a Hurricane. The “market” before the storm was wonderful. During the Storm the market is
dangerous IF it affects us, and we fully expect the market to be wonderful again after the storm passes.
Allow me to expand on this statement: “During the Storm the market is dangerous IF it affects us”. I mean no disrespect to
anyone who absolutely has to sell in this market; my comments are directed to those who don’t absolutely have to sell. If you
decide to sell now, understand that you will have to be prepared to take less than you expect. Given a choice, why would
anyone sell during the storm?
Our Tampa Bay Market has been, still is, and will continue to be over saturated with available properties for the foreseeable
future. As Supply exceeds demand, prices fall, and days on market get longer. As prices fall and days on market get longer,
home sellers get hurt. When home sellers get hurt, they lower prices to make their problem go away.
In the Oriental culture they symbol for crisis and opportunity are the same. Ying and Yang if you will. Now, knowing that this
storm will pass and that now is not a good time to sell (Crisis), conversely it must be a good time to buy (Opportunity). We’ve
already tested our property values and we know how high they went, so in my opinion, they should return to those levels in
time.
You do the math: If a buyer has cash sitting somewhere other than in real estate, and they took enough cash out to make a
30% deposit on an investment property. It’s probably reasonable that values that today are 30% less than they were in 2005
may likely be say 20% higher than they are today in the next 3 to 5 years. One of the beautiful parts about real estate
investing is that your appreciation is based on the acquisition price however your equity is only based on the amount of your
down payment.
Ex: Buy a $300,000 house today that was worth $400,000 a few years ago.
Put $90,000 down - In three to five years say it’s worth $360,000. You get a $60,000 profit on a $90,000 investment,
that’s 66% or 22% a year for 3 years and that doesn’t take into account the interest, Taxes and Depreciation write
offs.
So let’s go forward knowing that this storm will pass and on the other side the weather will be beautiful and let’s remember
that inside every crisis is an opportunity waiting for those who seize it.
Until next time, may you have fair weather and following Seas!
L & J Cleaning Service
Residential Commercial
Move-Ins Move-Outs
$10.00 Off
First Cleaning
Expires 9/15/08
Linda JoAnn
569-4332 677-3552
Covington Park Property Wizard
102 W. Shell Point Rd.
Ruskin, FL 33570
813.641.9242
$2.00 Off Dinner
$1.00 Off Lunch
Exp. 9.15.08
Covington Park Property Wizard
Apollo Lawn Care
Mowing Trimming Edging
Pressure Washing
$20.00 OFF
1st Month’s Service
Expires 9/15/08
813.767.5737 813.677.9579
ApolloLawnCare@Yahoo.com
Covington Park Property Wizard
1/2 Off Assessment Fee
Exp. 9/15/2008
11361 Big Bend Road
Riverview, FL 33569
Covington Park Property Wizard
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New York Style Brick Oven Pizza
Calzones / Heros / Salads / Pasta
813.234.1700 Expires 9/15/08
Big Bend
&
Lincoln Roads
Covington Park Property Wizard
Valvoline Express
Care
813.458.3131
13376 Lincoln Rd.
Riverview, FL 33569
Exp. 9.15.08
$5.00 Off
Full Service Oil Change
Covington Park Property Wizard
13364 Lincoln Road
Riverview, FL
813.236.1885
$5.00 OFF
any purchase of $25.00 or more
Expires 9/15/08
(Cannot be combined w/ any other offers)
Covington Park Property Wizard
www.GoThere.com
10% Off Regular Price
3 Day Cards
(Over 50 Florida Attractions)
Expires 9/15/2008
Covington Park Property Wizard
Come to Sava Café,
refresh your mind, body, and soul
With one of our green tea smoothies,
and get $1.00 off.
Exp. 9.15.08
5469 US Hwy 41 N
Across From Mirabay
Behind M&I Bank
813.645.9595 * www.savacafe.com
Covington Park Property Wizard
11367 Big Bend Road
Riverview, FL 33569
813.672.9900
Exp. 9/15/08
20% OFF
Your Next Order
Covington Park Property Wizard
Big Bend
Animal Hospital
11391 Big Bend Rd
Riverview, FL
813-672 -1355
Exp. 9/15/08
$10.00 OFF
(Min. $50.00 Service)
Boarding * Grooming
Micro Chipping * Science Diet
Flea Control
Covington Park Property Wizard
Expires 9/15/08
Covington Park Property Wizard
Would you like to
advertise your
company here for
FREE
Contact the
Agent that gave you
this wizard!!
Covington Park Property Wizard
NEW in Publix Shopping Ctr
Expires 9/15/08
20% OFFOrder
Food & Beverage
(Excludes Alcohol)
813-641-8792
Covington Park Property Wizard
Lee’N Nails
260 Apollo Beach Blvd
Apollo Beach, FL
813-641-0747
15% OFF w/coupon
Monday & Tuesday
Appts. Only
Exp.9-15-08
Covington Park Property Wizard
13352 B. Lincoln Rd.
Riverview, FL
Exp. 9-15-08
10% OFF Dinner
813-319-3951
Covington Park Property Wizard
(863) 581-1416
stevemichalec@hotmail.com
Exp. 9.15.08
Free countertop removal
w/purchase of new granite
Starting at $45/sq.ft.
(5 color choices @ $45/sq.ft.)
Covington Park Property Wizard
813-641-3800
Expires 9/15/08
15% Off Single Order
OR
Lunch Special
2 Slices Cheese Pizza
1 Can Soda / $4.95
208 W. Shell Point Road
Covington Park Property Wizard
YBOR GRILLE
Southshore
Spanish Food and Spirits
Exp. 9.15.08
105 E. Shell Point Rd,
Ruskin, FL 33570
(813) 641-7300
Complimentary Glass of
Sangria
With meal order
Covington Park Property Wizard
Hardware
Ph. 813.741.2994
Pure4u
Whole Home
Air Purifiers
Reduce Dust
Kill Mold, Bacteria & Viruses
Eliminate Odors
FREE 7 Day Trial
Save $50-$100
Expires 9.15.2008
789-8682
www.ecoquestintl.com/jeletto
Covington Park Property Wizard

Tuesday, July 1, 2008

Tampa Real Estate, Tampa Bay Waterfront Fine Living

http://www.TampaCoastalHomes.com Tampa Real Estate, Tampa Waterfront Fine Living in Apollo Beach with professional baseball, football, hockey. Fine Beaches, Fishing and Boating. Just 76 miles from Walt Disney. Tampa New Homes, Call Bonnie Fagoh at 813-390-7606

Thursday, June 26, 2008

Sneak Preview: Beautiful Pool Home Open Water with Covered Dock!!

videoINCREDIBLE 3BR 3.5BA TAMPA COASTAL POOL HOME!! GO TO WWW.TAMPACOASTALHOMES.COM OR CALL BONNIE AT 813-390-7606 FOR DETAILS!

Saturday, June 21, 2008

Apollo Beach Deals

How would you like to live near the water, enjoy the water...i.e. boating on Tampa Bay, walking the beach along the Gulf of Mexico....AND live in a BRAND NEW home of 1900 sq ft up to 3200 sq ft starting in the $130's!!!? It IS possible right here in Apollo Beach, FL.
The lots are at least 70' wide and do NOT back up to another house. Many are on ponds, so they have nice water views. Plus there are gorgeous amenities in the community...a large pool surrounded by pavers, jogging path around the water, fitness room with top notch equipment, playgound complete with climbing wall, and a beautiful clubhouse with a gourmet kitchen that you can rent for almost nothing for parties.
I don't know how long they will be offering these deals, so CALL ME TODAY!!

Don't be saying "I wish I had...." You'll be saying "I'm SO GLAD I DID!"

Talk to you soon,

Bonnie Fagoh
Century21 Beggins Enterprises
(813) 390-7606
www.tampacoastalhomes.com
bonniefagoh@century21beggins.com

Wednesday, June 11, 2008

Friday, May 30, 2008

Tampa Coastal Homes Report for Apollo Beach

Go to this Tampa Coastal Home Report for up to date analysis and real estate trends in Apollo Beach, Florida. Bonnie Fagoh has over 40 years of Tampa residential experience and will help you find the home of your dreams or sell a home regardless of market conditions.

Thursday, May 29, 2008

Tampa Real Estate-Tampa Homes-Tampa MLS Listings-Tampa Realtor

http://www.tampacoastalrealestate.com Specializing in Tampa Real Estate, expertise in buying and selling Tampa homes, condos, coastal properties. Experienced full service Tampa Realtor.
video

Bella Sol, Tampa Real Estate, Tampa Coastal Real Estate Homes

http://www.TampaCoastalRealEstate.com Bella Sol, Tampa Real Estate, Tampa Coastal Homes, and Tampa New Homes. Get a Tampa Coastal Real Estate Guide. Get a Bella Sol guide. Call Bonnie Fagoh at 813-390-7606

Tampa Real Estate, Tampa 4BR, Tampa Coastal Homes, 918 Golf Island Drive

http://www.TampaCoastalHomes.com 4BR 4BA $1,000,000 Home on 918 Golf Island Drive, Tampa Real Estate, Tampa Coastal Homes, and Tampa New Homes. Get a Tampa Coastal Real Estate Guide. Call Bonnie Fagoh at 813-390-7606
video

Tampa Real Estate, 918 Golf Island Drive, 4BR 4BA

http://www.BonnieFagoh.com 4BR 4BA Home on 918 Golf Island Drive. $1,000,000 Home on Golf Island Drive. Incredible home and location. Get a Tampa Coastal Real Estate Guide. Call Bonnie Fagoh at 813-390-7606

Kick off Summer

Wednesday, May 21, 2008

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CONDITIONS™
By Local Real Estate Experts

Top > Florida > Valrico


Market Conditions for Valrico, Florida

Reported by Bonnie Fagoh, REALTOR

Updated May 21, 2008.

Current Market Rating: 1





1
2 3 4 5
Buyer's

Seller's


Current Price Trend: 2






1
2 3 4 5
Falling

Rising



WELCOME TO VALRICO!
Valrico has a strong buyer's market with the recent price trend down due to the current high volume of inventory.
Townhomes start below $100k with Single Family Homes starting in the low $100k's all the way up to $3.5 million. There is something for everyone's budget,
so FEEL FREE to call me anytime at (813)390-7606.
THANKS!
BONNIE

ZIP Code: 33594

Location Characteristics: Valrico is a beautiful area just east of Brandon that has seen a lot of new home development in recent years. Shopping, restaurants, and schools have come with the growth. A huge mall is only 10 minutes away, as well as movie theatres and restaurants.


For More Information:


Visit My Web Site

View My Newsletter

Ask Me A Question

View Market Conditions of other areas served by Bonnie Fagoh

Navigate: Top > Florida > Valrico

About Bonnie Fagoh:
I am a 40 year Florida resident of the Tampa Bay Area! My training in Real Estate has been extensive and on-going for the last 4 plus years, as I am very serious about my full time career. It is my goal to do the best job for my clients, putting their needs first. This has allowed me to reach Master's level the past 3 years, and be in the top 100 out of 4,000 agents. I tell you this
only to let you know I will put my expertise to work for YOU.
I currently live on the water in Ruskin with my husband and 3 children. I understand the importance of community and good schools to those raising a family.
Please do not hesitate to call on me if I can be of assistance in helping you find a new home. If you need to sell, I can help you get the HIGHEST price, in the shortest time, with the least amount of incovenience to you. I work at an office with a Sales FORCE of over 80 agents. There are well over 200 agents in our 5 offices that surround the Tampa bay area.
Please call me at (813) 390-7606 so that I can assist you with all your Real Estate needs.

Feb 08 UPDATE!!** Thanks again to everyone as I was again awarded at the TOP AGENTS retreat for 2007!! This is a measure of how dedicated to the real estate industry an agent is.... ask how was your production for 2007?
--------------------------------------------------------------------------------


These reports reflect the views and opinions of their authors and are not necessarily the views and opinions of Realty Times.







Real Estate News Network


Good News From Lenders

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More Videos...



--------------------------------------------------------------------------------

Mortgage Rates
30 Year Fixed: 6.01%
15 Year Fixed: 5.60%
1 Year Adj: 5.18%
(U.S. Weekly Averages)


--------------------------------------------------------------------------------

Today's Headlines

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Realty Viewpoint: New Homes Will Cost More, Offer Less
Regional Report: South
Market Conditions: Roswell, New Mexico
How to Make a Success of Short Sales
HOA Pool Rule Prejudice
Making Vacation Home Vacancies Vanish
Devil In Details of Foreclosure 'Bargains'
New Homes: What's Old is New Again

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Stretching Your Advertising Budget with Remnant Ads
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Cash Back Confusion
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Get Leads to Respond
Real Estate Outlook: Economy is Growing
Where to Advertise Your Home For Sale
How I Handle My Vacation Home So That I Can Do A 1031 Exchange
Washington Report: Economic Stimulus Package for Housing
Realtor Caught in Cash-Back-at-Closing's Crosshairs



Agent Publicity | Local Market Conditions | About Realty Times | Article Index | Terms & Conditions | Privacy | Contact Us

Copyright © 2008 Realty Times®. All Rights Reserved.
Your REALTOR:


Bonnie Fagoh
May 2008


Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)
(813) 390-7606
Copyright © 2008 Realty Times
All Rights Reserved.



CONDITIONS REPORT



Market Conditions for Valrico, Florida

Reported by Bonnie Fagoh, REALTOR

As of May 21, 2008.


Current Market Rating: 1


1
2 3 4 5
Buyer's

Seller's


Current Price Trend: 2

1
2 3 4 5
Falling

Rising



WELCOME TO VALRICO!
Valrico has a strong buyer's market with the recent price trend down due to the current high volume of inventory.
Townhomes start below $100k with Single Family Homes starting in the low $100k's all the way up to $3.5 million. There is something for everyone's budget,
so FEEL FREE to call me anytime at (813)390-7606.
THANKS!
BONNIE

ZIP Code: 33594

Location Characteristics: Valrico is a beautiful area just east of Brandon that has seen a lot of new home development in recent years. Shopping, restaurants, and schools have come with the growth. A huge mall is only 10 minutes away, as well as movie theatres and restaurants.


For More Information:

Visit My Web Site

View My Newsletter

Ask Me A Question

About Bonnie Fagoh:
I am a 40 year Florida resident of the Tampa Bay Area! My training in Real Estate has been extensive and on-going for the last 4 plus years, as I am very serious about my full time career. It is my goal to do the best job for my clients, putting their needs first. This has allowed me to reach Master's level the past 3 years, and be in the top 100 out of 4,000 agents. I tell you this
only to let you know I will put my expertise to work for YOU.
I currently live on the water in Ruskin with my husband and 3 children. I understand the importance of community and good schools to those raising a family.
Please do not hesitate to call on me if I can be of assistance in helping you find a new home. If you need to sell, I can help you get the HIGHEST price, in the shortest time, with the least amount of incovenience to you. I work at an office with a Sales FORCE of over 80 agents. There are well over 200 agents in our 5 offices that surround the Tampa bay area.
Please call me at (813) 390-7606 so that I can assist you with all your Real Estate needs.

Feb 08 UPDATE!!** Thanks again to everyone as I was again awarded at the TOP AGENTS retreat for 2007!! This is a measure of how dedicated to the real estate industry an agent is.... ask how was your production for 2007?
--------------------------------------------------------------------------------


Copyright © 2008 Realty Times. All Rights Reserved.


Bonnie Fagoh
E-mail: bonniefagoh@century21beggins.com
Web: http://www.TampaCoastalHomes.com
813-390-7606
Century 21 Beggins Enterprises
813-658-1344
6542 U. S. Hwy. 41 N.
Apollo Beach, FL 33572


Equal Housing Opportunity

Sunday, May 18, 2008

Your REALTOR:


Bonnie Fagoh
May 2008


Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)
(813) 390-7606
Copyright © 2008 Realty Times
All Rights Reserved.

Real Estate Outlook: Encouraging News


Despite all the grim news about gas prices and recession, there are more than a few encouraging signs popping up in the national economy that aren't getting a lot of attention.

Take worker productivity in the U.S., for example. It jumped by 2.2 percent in the latest quarter -- and that was on top of a 1.8 percent gain the quarter before.

Why's that significant for housing and real estate? Because rising productivity generally points to lower inflation … and lower inflation fears help keep interest rates low. Just ask the Federal Reserve, which keeps an eagle eye on productivity.

And in fact we continue to see mortgage rates hovering near record lows. Thirty year fixed rate loans dropped again last week -- the second week in a row -- and went under the six percent mark to 5.9 percent, according to the Mortgage Bankers Association of America. Fifteen year rates slid to 5.5 percent.

Equally important, the number of consumers applying for mortgages to purchase homes took a healthy jump last week -- up 12.1 percent, according to the Mortgage Bankers. Applications for FHA mortgages -- the hottest product in the home purchase space right now -- were up by 13.2 percent.

The surge in loan applications is important because it points to potentially higher home sales in the months ahead. Lower home prices in major markets, plus the arrival of the long-awaited "jumbo" loans in high cost areas, are definitely pushing applications.

But despite these positive signs for the housing economy, there are some troubling developments as well. Last week's Senior Loan Officer Opinion Survey -- a poll of bankers across the country conducted by the Federal Reserve Board -- found that "tightened lending standards" are major impediments keeping home buyers on the sidelines.

Toughened underwriting restrictions that began a year ago with subprime loans have now "spilled over into the overall mortgage market including prime," according to the Fed survey. 62 percent of all banks reported imposing more restrictive loan standards during the first quarter of this year compared with last year.

What the Fed report documents, in effect, is that large numbers of home sales that might otherwise be occurring -- helping to pull us out of the real estate slump -- are being prevented by lenders' narrowing or closing of their mortgage windows.

Until they start loosening up, it will be tough to move to a full real estate recovery.

We'll keep monitoring that part of the lending market equation for you, and we'll let you know when we see some positive signs of change.


Written by Kenneth R. Harney
May 15, 2008


--------------------------------------------------------------------------------
Wondering What Your Home Is Worth? -- Let me show you.
--------------------------------------------------------------------------------


- Back -


Bonnie Fagoh
E-mail: bonniefagoh@century21beggins.com
Web: http://www.TampaCoastalHomes.com
813-390-7606
Century 21 Beggins Enterprises
813-658-1344
6542 U. S. Hwy. 41 N.
Apollo Beach, FL 33572


Equal Housing Opportunity



E-mail this Newsletter to a friend

Half Way thur May~~

Your REALTOR:


Bonnie Fagoh
May 2008


Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)
(813) 390-7606
Copyright © 2008 Realty Times
All Rights Reserved.













Daily News And Advice

Updated 05/16 10:50 AM CDT
Today's Feature Stories


Investor Report: Second and Third Trusts


What's the single biggest headache for anyone trying to pull together a short sale right now? Columnist Ken Harney tells us. FULL STORY->





Hot Market: SE Michigan Surpasses the Psychological Pricing Barrier


All across the country, pending sales -- the number of contracts written in any given 30 day period -- are on the rise in cities and regions where prices have hit what we call the "psychological pricing barrier." FULL STORY->





Realty Viewpoint: Economic Stimulus Checks Can't Fix Our Values


As economic stimulus checks arrive, relieved households spend them on gas, food and bills. But the problem with the economy goes much deeper than that, beginning with white flight and suburban sprawl. FULL STORY->





Regional Report: Northeast


Our market experts in the Northeast region are reporting this week that their markets are seeing some real gains in this difficult housing climate. FULL STORY->





May Cybertips


You've seen the many stores that offer price protection policies. When the price drops on an item you've purchased, they'll refund you the difference. But here's the gotcha -- it's up to you to catch the price change. Here's a tip to change that. FULL STORY->





What To Take And What To Leave Behind When Downsizing


Here are some great tips on how to clean all that "stuff" you've stored away -- making for a clutter free life and an easier move. FULL STORY->







Headlines


Real Estate Outlook: Encouraging News
Despite all the grim news about gas prices and recession, there are more than a few encouraging signs popping up in the national economy that aren't getting a lot of attention. FULL STORY->

Interest Rate Update
Today's Interest Rates from Realty Times are based on a 30 year amortization rate, with good credit and no origination fees. With no major economic news today to report, mortgage rates are stable. FULL STORY->

Realty Viewpoint: Realty Times Asks, "Why Buy This House?"
With sites like Zillow and YouTube gaining in popularity, real estate agents are finding it harder to wow consumers with their listing presentations. Realty Times has just solved that problem. FULL STORY->

Market Conditions: Miami-Dade County, Florida
Market expert Shelia Ferguson says it's still a buyers market in Miami-Dade County. FULL STORY->

Regional Report: West
The Western Real Estate market continues to see its ups and downs this week, as reported by several of our local market experts. FULL STORY->

Watching for Mortgage Fraud
tba FULL STORY->

Could New Supreme Court Ruling Spell Trouble for Multi-State LLCs Holding Real Estate?
A recent Supreme Court ruling just increased state’s rights to tax income made in other states. Columnist Diane Kennedy explains. FULL STORY->

"Help Me Help My Agents!": Four Strategies to Answer This Manager's Plea
"Help me help my agents." Training experts across the nation are scrambling to answer this challenging plea as our markets continue to shift and normalize. FULL STORY->

Avoiding Home-Based Business Blunders
Tapping your home's potential as a business venue lets you cash in on the intrinsic value of a roof over your head without treating it like an ATM. FULL STORY->

HUD Plans Risk-Based Premiums For FHA Borrowers
HUD says it will raise insurance premiums for FHA mortgage borrowers -- but only those most likely to face foreclosure. Columnist Peter G. Miller explains. FULL STORY->

Realty Viewpoint: Despite Steep Price Slide, One-third Of Metros Up

New Homes: Homebuilders Doing What it Takes

Regional Report: South

Mortgage Moment: Home Equity Loans

Market Conditions: Southwest Portland

Must an Agent be Affiliated with Broker?

HOA Health Survey

Ferreting Out Home Defects

Ask Dr. Real Estate: Should I Resort to Niche Craft?

Getting The Best Home Price Data

Condo Trends: Gardening Up on the Roof

Market Conditions: Seattle Puget Sound

Why is California Seeing Such a Down Market?

Ontario's Greenbelt a World Leader, but Expansion is Controversial

The Lessons for 2008

Washington Report: Are "Jumbo" Loans Overpriced?

Wild, Wild West: Silicon Valley Price Fall Spreads

Realty Viewpoint: Real-time Housing Index Says Falling Prices Easing

Market Conditions: Kansas City Commercial Real Estate

Investing with Friends










CURRENT
MORTGAGE RATES

Interest Rate Watch
30 yr fixed: 6.01%
15 yr fixed: 5.60%
1 yr adj: 5.18%

(U.S. Daily Averages)




LIBRARY

Buyers Advice

Sellers Advice

Homeowners Advice

Advice for New Homes

Advice For Borrowers

Rental Advice

Homeowner Association News

NAR News







- Back -






Bonnie Fagoh
E-mail: bonniefagoh@century21beggins.com
Web: http://www.TampaCoastalHomes.com
813-390-7606
Century 21 Beggins Enterprises
813-658-1344
6542 U. S. Hwy. 41 N.
Apollo Beach, FL 33572


Equal Housing Opportunity

Friday, May 9, 2008

HAPPY MOTHERS DAY TAMPA BAY!!!!

Happy Mothers Day Tampa Bay!!!

Spring has been Great!!

Because of you I have been in the top of the
heap!! At our spring rally out of 4,000 agents
in the region I have been ranked #20 THANK YOU!!!!

There are some fantastic waterfront real estate
opportunities!!

As you heard back in March the titanic has started to
turn and the federal reserve has lowered again this should
be it for a while in fact there is talk of a slight bump.

Have a custom video guide sent to you in the comfort of your
living room****

It would be my pleasure to design a guide just for your family.

I have several video real estate and Tampa Homes in Google, Yahoo all
over the net.

You can find some video homes just search my name Bonnie Fagoh or
TampaCoastalRealEstate, or TampaFreeHomeGuide, or TampaBayHomesMiraBay,
Or TampaCoastalHomesBellaSol.

Call or Search For Bonnie Fagoh When Results Matter!!**

Friday, March 28, 2008

"When there is Blood in the Street & Is the TITANIC TURNING"??

Re: When there is Blood In the Street & Is the TITANIC TURNING??

Good day everyone! As reported to you on March 11 the Fed (federal reserve) did

lower interest rates on March the 18th. In another historic event today private hedge funds

will invest substantial cash into a high end mortgage lender (Thornburg Mortgage). Well what does this

mean for us regular folks?? I am glad you asked as I have tried to explain, this is part of the recent bottoming

out process. Recent events like the cash infusions first from the sovereign countries like Dubai, then the Federal

Reserve instituting the "swap" in mortgage back securites coupled with the recent lowering of interest rates, and the

bail out of the brokerage house Bear Stearns just days ago, now we are

seeing the private sector albeit hedge fund money ( can you say vultuors oops.. It slipped!!) Invest in the mortgage

market. Even though this is a high end mortgage provider, this is good news for the market and will help provide

some confidence and liquidity to the market.Thank goodness the old Wall Street adage still holds true today "when

Wall Street sneezes the world catches a cold".So I do see the TITANIC SLOWLY TURNING therefore it is a

Great time to buy with the "blood in the street"! Courtesy of Mr. Buffet. Get your Bargains NOW

'" the best time to buy real estate was 50 years ago...... the next Best time is Now"!



Make it a Great Day!!

Bonnie and Mark Fagoh

** in an effort to realease this update to you in a timely manner some grammatical and spelling errors were left alone ( .. i am human!!)

p,s. the legal stuff?? the opionions expressed are mine and are sent as educational and not for solicitation she said!! Would you like some special waterfront and coastal bargains sent to you in your living room???????? Simply replie and I will research and send them to you as they become AVAILABLE** by for now its Late!!

813 390-7606

Thursday, March 20, 2008

20 MARCH RUSKIN CURRENT MARKET CONDITIONS***

Your REALTOR:


Bonnie Fagoh
March 2008


Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)
(813) 390-7606
Copyright © 2008 Realty Times
All Rights Reserved.


CONDITIONS REPORT

Market Conditions for Ruskin, Florida

Reported by Bonnie Fagoh, REALTOR

As of March 19, 2008.


Current Market Rating: 1
1
2 3 4 5
Buyer's

Seller's


Current Price Trend: 2

1
2 3 4 5
Falling

Rising


WELCOME TO RUSKIN!
Lately we have experienced a strong buyer's market with prices trending downward. It is a GREAT time to be a buyer!
Prices range from the low $100's for single family residences with the average being in the $200's. Waterfront homes (with bay access) start around $200k and go up to approx $2mil. We have something for everyone! FEEL FREE to call me anytime at (813) 390-7606.
Thanks,
Bonnie

ZIP Codes: 33570, 33573

Location Characteristics: Ruskin is a growing community (with a small town feel)centrally located 20 min south of Tampa, 30 minutes north of Sarasota, and directly east of St Petersburg with waterfront on the Ruskin Inlet, Tampa Bay, and the Little Manatee River.
We have a brand new high school, Lennard High, and Southshore's campus of Hillsborough Community College is opening this fall directly across the street.
If a new home is what you are looking for, you can find it here. We have many new communities with very desirable prices!

For More Information:

Visit My Web Site

View My Newsletter

Ask Me A Question

About Bonnie Fagoh:
I am a 40 year Florida resident of the Tampa Bay Area! My training in Real Estate has been extensive and on-going for the last 4 plus years, as I am very serious about my full time career. It is my goal to do the best job for my clients, putting their needs first. This has allowed me to reach Master's level the past 3 years, and be in the top 100 out of 4,000 agents. I tell you this
only to let you know I will put my expertise to work for YOU.
I currently live on the water in Ruskin with my husband and 3 children. I understand the importance of community and good schools to those raising a family.
Please do not hesitate to call on me if I can be of assistance in helping you find a new home. If you need to sell, I can help you get the HIGHEST price, in the shortest time, with the least amount of incovenience to you. I work at an office with a Sales FORCE of over 80 agents. There are well over 200 agents in our 5 offices that surround the Tampa bay area.
Please call me at (813) 390-7606 so that I can assist you with all your Real Estate needs.

Feb 08 UPDATE!!** Thanks again to everyone as I was again awarded at the TOP AGENTS retreat for 2007!! This is a measure of how dedicated to the real estate industry an agent is.... ask how was your production for 2007?
--------------------------------------------------------------------------------





Copyright © 2008 Realty Times. All Rights Reserved.


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Bonnie Fagoh
E-mail: bonniefagoh@century21beggins.com
Web: http://www.TampaCoastalHomes.com
813-390-7606
Century 21 Beggins Enterprises
813-658-1344
6542 U. S. Hwy. 41 N.
Apollo Beach, FL 33572


Equal Housing Opportunity

E-mail this Newsletter to a friend


Previous Newsletters: February 2008January 2008December 2007November 2007October 2007September 2007August 2007July 2007June 2007May 2007April 2007March 2007February 2007January 2007December 2006November 2006October 2006September 2006August 2006July 2006June 2006May 2006April 2006March 2006February 2006January 2006December 2005November 2005October 2005September 2005August 2005July 2005June 2005May 2005April 2005March 2005February 2005January 2005December 2004November 2004October 2004September 2004August 2004July 2004June 2004May 2004April 2004March 2004February 2004January 2004December 2003November 2003October 2003September 2003August 2003July 2003June 2003May 2003April 2003March 2003February 2003January 2003December 2002November 2002October 2002September 2002August 2002July 2002June 2002May 2002April 2002March 2002February 2002January 2002December 2001November 2001October 2001September 2001August 2001July 2001June 2001May 2001April 2001March 2001February 2001January 2001December 2000November 2000October 2000September 2000August 2000July 2000June 2000May 2000April 2000March 2000February 2000January 2000December 1999November 1999October 1999September 1999August 1999July 1999June 1999May 1999April 1999March 1999February 1999January 1999December 1998

RealBiz360 Virtual Tour - On Wooded Conservation Area!!

RealBiz360 Virtual Tour - On Wooded Conservation Area!!

MLXchange

MLXchange

Wednesday, March 12, 2008

11 March 2008 Real Estate Imp Update*****

"When there is Blood in the Street, its Time to Buy!!"

"When there is blood in the street its time to buy!".....Warren Buffet, possibly the greatest investor to live.


The Federal Reserve "the fed" handed the US economy a shot in the arm today in a novel move. Historically the fed has expanded or contracted the money supply by adjusting the fed rate (loan interest rate). However since August 2007 this has had little effect due to the unique nature of the housing sector so in a move today the federal reserve in essence "swapped" treasury notes for mortgage backed securities which have been very difficult to move providing liquidity and some stability to the mortgage market.

This move coupled with a very likely rate cut on March 18th will bring some stability to the ailing mortgage industry. We can expect to see banks and mortgage companies finally start more lending in the next three months.

This presents a unique opportunity for home buyers, a good time to buy! Yes there is blood in the street, new home bargains are to be taken in the coastal communities of Tampa Bay.

For personal showings of some fantastic opportunites emailed with photos to the comfort of your home email Bonnie at BonnieFagoh@Century21Beggins.com

Make it a Great Day!!

Bonnie Fagoh
www.BonnieFagoh.com

Friday, March 7, 2008

DAILY REAL ESTATE NEWS FOR MARCH 7 2008

Your REALTOR:


Bonnie Fagoh
March 2008


Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)
(813) 390-7606
Copyright © 2008 Realty Times
All Rights Reserved.

Daily News And Advice

Updated 09:32 AM CST Today
Today's Feature Stories


Investor Report: Booming Farmland Acreage


Prices may be sagging in housing, but they're booming in a segment of the real estate market that deserves a close look by investors: Prime farmland acreage, where global demand for biofuels and other agricultural commodities are driving up values to all-time highs. FULL STORY->



Hot Market: Oklahoma City Real Estate A-OK


The economy in Oklahoma City is outpacing the national level and that means good news for income and real estate growth in the area that boasts a population of just over a half million. FULL STORY->





Realty Viewpoint: The Bubble Is In Housing Prognosticators


Everybody's getting into the housing price prediction act. An index that has been tracking new home sales since 2005 says its historical data dates as far back as 1830. So what? FULL STORY->





Ask Realty Times


Can I be foreclosed if my mortgage has been sold? Must all lenders agree to a short sale? How far back do lenders check your credit? Peter G. Miller looks at the week's most interesting questions for Realty Times. FULL STORY->





Don't Get Caught In Mortgage Fraud


Mortgage fraud is among the top concerns of those investing in real estate. If you get caught in a mortgage fraud scheme it can create a financially painful and emotionally distressing situation. While there are many reputable and trustworthy mortgage providers, the lengthy documents filled with legal jargon make conditions ripe for misunderstandings. FULL STORY->





Weak Economic Reports Drive Mortgage Rates Downward According to Freddie Mac's Weekly Survey


Freddie Mac today released the results of its Primary Mortgage Market Survey (PMMS) in which the 30-year fixed-rate mortgage (FRM) averaged 6.03 percent with an average 0.5 point for the week ending March 6, 2008, down from last week when it averaged 6.24 percent. Last year at this time, the 30-year FRM averaged 6.14 percent. FULL STORY->







Headlines


Real Estate Outlook: Housing Better Than Some Reports Indicate
If the housing market looks darkest just before dawn, then maybe we're close to dawn. There's no other word for it -- a lot of the numbers this week are just plain ugly. FULL STORY->

Interest Rate Update
Today's Interest Rates from Realty Times are based on a 30 year amortization rate, with good credit and no origination fees. Inflationary fears have rates on the rise. Wall Street is keeping a close eye on any hint of rising prices and that's going to translate into higher rates. If you like today's rates you might think about locking. FULL STORY->

Realty Viewpoint: The Consumer Is Overburdened By Services
In written testimony to the House Financial Services Committee, Nouriel Roubini, professor of economics at New York University made some startling statements. Not only are we in a recession, there is a "serious risk of a systemic meltdown in US financial markets ... ." One reason is overburdened consumers who simply can't carry the nation's gross domestic product on their backs anymore. FULL STORY->

Market Conditions: Anne Arundel County, Maryland
Local market expert for Anne Arundel County, Elizabeth Penttinen, reports that 411 properties went under contract in February, and 135 of those listings sold within 30 days. FULL STORY->

Foreclosure Rescue Specialists
tba FULL STORY->

Indoor Air Quality Management At Home
Do you know air "fresheners" can pollute? That some air "cleaners" emit ozone? Or that dust mites prefer wool and feathers to synthetics? Clean Air School is in. FULL STORY->

Making a Move in A Changing Market? Changing Seats on The Titanic Isn't A Plan!
Are you in a rut? Ever played musical chairs? A lot of folks in real estate do, but sometimes the way they play it … it's more like playing Russian roulette! FULL STORY->

IRS Issues Vacation Home Ruling
The IRS has just issued a new ruling that sets forth the guidelines for those taxpayers that wish to do a 1031 exchange involving a vacation home. By way of background, you can only exchange property held for investment or used in a trade or business. FULL STORY->

Achieving Success with the Strebor System
The Strebor system starts with a positive attitude that gives you the enthusiasm, optimism, commitment, and sticktoitism required to pursue and ultimately achieve your goals. Although some people are born with eternal optimism, others of us have to work at it. FULL STORY->

Condo Trends: Was That The Bottom?
Look around at blogs and news sites around the real estate side of the Internet and you'll see there's a lot of buzz about hitting the bottom in the condo market in various regions of the country. FULL STORY->

50 Ways To Sell In Any Market

Realty Viewpoint: As Banks Face Reality, Buyers Should Seek Bargains

Mortgage Moment: Stated Income Loans

Flying the American Flag

Market Conditions: Tempe, Arizona

Ins, Outs Of Equity Sharing

Obligation: A Dirty Word When You Work for Family?

Making it Rain: Simple Solutions for Making a Difference in Your Career

Ask the HOA Expert

New Homes: Kitchens for Our Times

Time For A Major Homeowner Bailout?

Realty Viewpoint: Financial Press Gushes Over Incomplete Case/Shiller Indices

Getting Real With Real Estate

Market Conditions: Southwest Florida

Sharing Property with a New Spouse

Canada's Housing Boom has Lasted Almost 10 years

What Politics in 2008 Can Teach our Industry about Confronting Change

How to Get More Buyers in Today's Tough Market

Washington Report: HUD Unveils Proposed Changes to Mortgage Process

Wild, Wild West: Karma: California Foreclosures Outpace Sales










CURRENT
MORTGAGE RATES

Interest Rate Watch
30 yr fixed: 6.03%
15 yr fixed: 5.47%
1 yr adj: 4.94%

(U.S. Daily Averages)




LIBRARY

Buyers Advice

Sellers Advice

Homeowners Advice

Advice for New Homes

Advice For Borrowers

Rental Advice

Homeowner Association News

NAR News







- Back -






Bonnie Fagoh
E-mail: bonniefagoh@century21beggins.com
Web: http://www.TampaCoastalHomes.com
813-390-7606
Century 21 Beggins Enterprises
813-658-1344
6542 U. S. Hwy. 41 N.
Apollo Beach, FL 33572


Equal Housing Opportunity






E-mail this Newsletter to a friend


Previous Newsletters: February 2008January 2008December 2007November 2007October 2007September 2007August 2007July 2007June 2007May 2007April 2007March 2007February 2007January 2007December 2006November 2006October 2006September 2006August 2006July 2006June 2006May 2006April 2006March 2006February 2006January 2006December 2005November 2005October 2005September 2005August 2005July 2005June 2005May 2005April 2005March 2005February 2005January 2005December 2004November 2004October 2004September 2004August 2004July 2004June 2004May 2004April 2004March 2004February 2004January 2004December 2003November 2003October 2003September 2003August 2003July 2003June 2003May 2003April 2003March 2003February 2003January 2003December 2002November 2002October 2002September 2002August 2002July 2002June 2002May 2002April 2002March 2002February 2002January 2002December 2001November 2001October 2001September 2001August 2001July 2001June 2001May 2001April 2001March 2001February 2001January 2001December 2000November 2000October 2000September 2000August 2000July 2000June 2000May 2000April 2000March 2000February 2000January 2000December 1999November 1999October 1999September 1999August 1999July 1999June 1999May 1999April 1999March 1999February 1999January 1999December 1998

Wednesday, March 5, 2008

MARCH REAL ESTATE NEWS YOU CAN USE***

Your REALTOR:


Bonnie Fagoh
March 2008


Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)
(813) 390-7606
Copyright © 2008 Realty Times
All Rights Reserved.


When Selling Your Home, Using Scents Makes Sense!


Even if now doesn't seem to be the ideal time to sell your home, you can take heart in knowing that small actions may make a difference in getting your home sold.
"Scentmosphere" isn't exactly new but it is rapidly becoming a way to attempt to attract buyers.
"When buyers walk into a house before they actually see anything in that house, because they breathe, they are smelling. So they are actually getting an impression, whether it's conscious or subconscious, of your home -- just by the way it smells," says Rick Ruffolo, senior vice president of brand, marketing, and

Mortgage Rates
U.S. averages as of February 28, 2008:

30 yr. fixed: 6.24%
15 yr. fixed: 5.72%
1 yr. adj: 5.11%




View current rates






innovation for Yankee Candle Company.
So, right now take a deep breath. What kind of "smellment" is your home making?
Choosing to proactively make a statement in the way your home smells

CONTINUED >>>





Wondering What Your Home Is Worth?

Let me show you.



Condos Pay Off As
Second Homes


Make a condo, townhome or other community association property your second home and, chances are, you'll be pretty happy with your choice.
More than seven in 10 condo and townhome residents say they are satisfied with their purchase, according to a recent survey conducted by Zogby International for the Foundation for Community Association Research.
The foundation periodically conducts the survey to keep tabs on the perceptions of those who live in condos and townhomes and to identify recent trends in the condo world.
Satisfaction is a big trend in housing communities governed by homeowners associations due to a host of reasons.
Compared to single-family homes, condos are generally less expensive.
That's particularly true in areas where condo speculation once ran rampant, including Florida, Nevada, California and other areas which are now loaded with bargains not seen in years. Cheaper prices make condos cheaper to operate
CONTINUED >>>



Timing Is Everything:
When And How To Move


In the next few months making a move can become increasingly more complicated say industry experts.
"June to September is really known as the high season for the moving industry," says John Bisney, Director of Public Relations for the American Moving and Storage Association (AMSA).
It's a popular time because kids are out of school and people are trying to get the move done before the children have to return to class.
"So if you can avoid moving during June to September you're probably going to get better service and have more options," Bisney.
However, Bisney says, "If you do have to move between June to September, then it's better to move in the middle of the month and the middle of the week as opposed to doing it at the end of the month when everybody wants to do it."
AMSA certifies movers and holds them accountable to higher standards and a code of ethics. The association says most people don't take moving very seriously and they assume that everything will go alright. But Bisney says careful consideration is a must when moving.
"Because people don't move that many times, maybe it's their first move,
CONTINUED >>>



Natural Décor Better For
Earth And Your Wallet


Sellers are looking for ways to get the most for their homes and buyers, of course, are looking for the best value. A flowing floor plan, spacious layout, a not-so-crowded street, great curb appeal, low HOA or planned community fees, etc. are certainly big influencers for buyers. But so, too, are some of the items in your home that you might not give much consideration.
A changing environment and more talk of all the trash that's filling up our landfills is causing more people to go green by using recycled goods or products that are renewable and easily break down instead of sitting around in our dumps.
Did you know that nylon fabric takes 30-40 years to degrade in a landfill?

CONTINUED >>>



Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.



More Articles


February Round Up: Rates Jump Upward


How To Stop ID Theft Cold


Use Home Equity Protection

Super-Sized Homes Shrinking



Bonnie Fagoh
E-mail: bonniefagoh@century21beggins.com
Web: http://www.BonnieFagoh.com
813-390-7606
Century 21 Beggins Enterprises
813-658-1344
6542 U. S. Hwy. 41 N.
Apollo Beach, FL 33572


Equal Housing Opportunity