Friday, January 18, 2008

Video of Great Pool Home Value****

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Homes For Sale in Apollo Beach, FL $ 285,000 - Realty TimesNow available this gorgeous 4 bedrm/2 bath pool home on a pond. The pool has an automated salt chlorinator for easy care, relaxing waterfall feature and "sam" lighting. You will notice the pride of ownership from the meticulous lawn and landscaping. Then you will not be disappointed when you step inside through the leaded glass doors onto the slate-look (level 5) upgraded tile. Your eyes will look up to the soaring ceilings in the great room. The large kitchen has 42" cabinets with under-cabinet lighting, island, snack bar and stainless steel appliances. Upgraded fixtures and fans throughout. Beautiful wood flooring in the master bedroom and den with French doors. There is surround sound in the great room, speakers out by the pool and wiring in place for the bonus room and garage. Listed by Bonnie Fagoh of Century 21 Beggins Enterprises

Beautiful Pool Home Apollo Beach Great Price!!

Include: Article preview Just the link
Homes For Sale in Apollo Beach, FL $ 285,000 - Realty TimesNow available this gorgeous 4 bedrm/2 bath pool home on a pond. The pool has an automated salt chlorinator for easy care, relaxing waterfall feature and "sam" lighting. You will notice the pride of ownership from the meticulous lawn and landscaping. Then you will not be disappointed when you step inside through the leaded glass doors onto the slate-look (level 5) upgraded tile. Your eyes will look up to the soaring ceilings in the great room. The large kitchen has 42" cabinets with under-cabinet lighting, island, snack bar and stainless steel appliances. Upgraded fixtures and fans throughout. Beautiful wood flooring in the master bedroom and den with French doors. There is surround sound in the great room, speakers out by the pool and wiring in place for the bonus room and garage. Listed by Bonnie Fagoh of Century 21 Beggins Enterprises

Monday, January 7, 2008

Happy New Year!!

Your REALTOR:
Bonnie Fagoh
January 2008
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2008 Realty TimesAll Rights Reserved.
Top 10 Tax Breaks,On The House The New Year always turns thoughts to the new tax season and when it comes to taxes there's no place like home to find shelter. Your home offers a score of tax deductions and credits designed to help offset the cost of housing and to keep the housing market fueled with new buyers. Here's a look at the Top 10 Tax Breaks, On The House.
Mortgage Loan Interest: The Mother Of All Tax Breaks, because interest payments comprises a large portion of your mortgage payment in the early years of the loan's term, mortgage interest on a maximum of $1 million in
Mortgage Rates U.S. averages as of December 27, 2007:30 yr. fixed: 6.17%15 yr. fixed: 5.79%1 yr. adj: 5.53%30 yr. jumbo: 6.98%-->
View current rates
mortgage debt secured by a first and second home is deductible. Deductions reduce your taxable income against which your taxes due are calculated. The $1 million level applies to married tax filers who file jointly and single taxpayers.
CONTINUED >>>
Wondering What Your Home Is Worth?Let me show you.
Battle of the WarringHousing Price Indexes We saw another "battle of the warring housing price indexes" last month, with the federal government reporting positive price appreciation in more than two-thirds of U.S. metropolitan markets -- at the same time a widely-publicized Wall Street index said home values were down by a record 4 percent for the year, and down by 5 percent in the top 20 markets. How could there be such big differences? And which index is right? Here are the facts: The federal government's house price index is produced quarterly by an agency called the Office of Federal Housing Enterprise Oversight (OFHEO). It measures valuation movements in a massive database of millions of homes whose loans were financed or refinanced by Fannie Mae or Freddie Mac. The data covers nearly 300 major metropolitan markets and dozens of smaller non-metropolitan areas. In its latest index, released November 29, OFHEO reported prices in
CONTINUED >>>
Smoothing The RoughRoad To Refinancing Lower interest rates could offer some financial buoyancy for those looking to refinance before they get in over their heads. Home mortgage interest rates have been flat or falling since early October. The falling average rate probably won't help those who purchased a home, a year or two ago, especially if they had a small equity stake in their home. "The problem is a lot of people in those products is they don't have any equity in the house and lenders want equity to refinance," said Glenda Queensbury, a mortgage adviser in San Jose, CA. However, there could be a safe harbor available for others facing a resetting adjustable rate mortgage (ARM) with the potential for higher rates and unmanageable mortgage payments. The key, say the experts, is to examine your options early. "Absolutely. When people start feeling the pinch don't wait until you are delinquent. The more delinquent you become the more options that will start going off the table" says William Higgins, chief lending officer of online bank Ing Direct. Higgins says it's a good idea to visit your existing lender first. That's especially true if your lender doesn't sell loans and has a vested financial interest
CONTINUED >>>
Stone is a Growing TrendFor Home Décor It's as old as time, but as popular as ever. Stone is rapidly making its way into homes as perhaps one of the fastest growing decorating trends. The European Old World look brings with it not only a luxurious style but also an ease and comfort that gives a home personality. Homeowners are leaving behind the once-preferred 70's looks of wall-to-wall carpeting throughout the house, linoleum kitchen floors and vinyl tiles in the bathroom, and instead choosing natural stone, Versailles patterns, travertine, and limestone, with honed-matte finished surfaces. For countertops, homeowners are using two tones, finishing their kitchen island in maybe limestone and the surrounding kitchen countertops in granite materials for a unique style.
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

December Round Up: Bond Yields Inch Up, Bringing Rates With Them

Love The Ranch-style House

Going Green: Easier ThanYou May Think

Understanding How FederalReserve Rate Cuts Work
Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://www.BonnieFagoh.com/813-390-7606
Century 21 Beggins Enterprises813-390-76066542 U. S. Hwy. 41 N.Apollo Beach, FL 33572
Equal Housing Opportunity


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December 2007

Your REALTOR:
Bonnie Fagoh
December 2007
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2007 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 find your efforts unrewarded with not
Mortgage Rates U.S. averages as of November 29, 2007:30 yr. fixed: 6.10%15 yr. fixed: 5.73%1 yr. adj: 5.43%30 yr. jumbo: 6.98%-->
View current rates
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 have better momentum after the holidays. Better to
CONTINUED >>>
Wondering What Your Home Is Worth?Let me show you.
How to Handle Low Ball Offers If your house has been on the market for quite a while, you may have already dropped your price and now you're waiting for the buyers to rush in and make wonderful offers on this now-priced right property. And then it happens. The lone buyer does appear, like a bandit in the night and offers you even less than what you just agreed to. Quite a bit less -- about 10 percent less. So on your $350,000 house, that you just dropped to $324,000, you now have an offer for $299,000. With a seller subsidy request of $5,000. At this point, your net is $294,000. So how do you handle such a low-ball offer. Well, first of all -- don't panic, get angry or lose sleep. Especially, don't reject the offer right off the bat and tell them to come back when they're serious. Remember, it's now a negotiation game and the buyer IS serious or he or she would not have made an offer. Several things have happened before this offer came in. The buyer, with his agent, has researched the market,
CONTINUED >>>
Keeping Your Credit Clean Many homebuyers frequently wonder, "If I am shopping for a home loan will my credit be affected each time a credit report inquiry is made?" It's a logical and intelligent question to ask; the answer is: not significantly, if the credit checks are done in a short period of time. When a credit check is made by a potential lender it is called a hard inquiry. When a hard inquiry occurs it does have an impact on your credit score. However, when you're shopping for a mortgage or a car loan, credit bureaus typically cluster the hard inquiries together because the credit reporting bureaus understand that the consumer is shopping for the best loan. "So for example, if you're shopping for a new mortgage and three potential lenders pull your credit score within three weeks, that is looked at as one inquiry for that purpose," says Steven Katz a spokesperson for TransUnion's TrueCredit.com. Keeping your credit clean is critical. Katz offers the following advice to help ensure healthy credit. One card you should not carry. Leave your Social Security card at home. "There is basically no reason that you need to carry that with you," says Katz. Most people have their Social Security card number memorized. If
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Energy Saving is Consumer Key Interest in Green Building Why are consumers interested in green building? A survey conducted for the National Association of Home Builders (NAHB) confirms that a desire for greater energy efficiency drives consumers to choose a green-built home. The survey, conducted during the week of Oct. 15 by the Public Opinion Strategies, involved asking 800 registered voters nationwide about how important certain items would be in their decision to either purchase a new green home or remodel their current home to be more "green." Nearly two-thirds or 64 percent of the voters polled said that "reduced energy costs" would be the most important. The second-highest scoring reason, at 55 percent, was "because it would be healthier."
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 Roundup: Rates Are Lowest In More Than Two Years

Investor Outlook

Reducing Utility Costs Doesn't Have to be High-Energy Task

Landlord Beware: Advice to Protect You and Your Investment
Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://www.BonnieFagoh.com/813-390-7606
Century 21 Beggins Enterprises813-390-76066542 U. S. Hwy. 41 N.Apollo Beach, FL 33572
Equal Housing Opportunity



Your REALTOR:
Bonnie Fagoh
January 2008
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2008 Realty TimesAll Rights Reserved.
Top 10 Tax Breaks,On The House The New Year always turns thoughts to the new tax season and when it comes to taxes there's no place like home to find shelter. Your home offers a score of tax deductions and credits designed to help offset the cost of housing and to keep the housing market fueled with new buyers. Here's a look at the Top 10 Tax Breaks, On The House.
Mortgage Loan Interest: The Mother Of All Tax Breaks, because interest payments comprises a large portion of your mortgage payment in the early years of the loan's term, mortgage interest on a maximum of $1 million in
Mortgage Rates U.S. averages as of December 27, 2007:30 yr. fixed: 6.17%15 yr. fixed: 5.79%1 yr. adj: 5.53%30 yr. jumbo: 6.98%-->
View current rates
mortgage debt secured by a first and second home is deductible. Deductions reduce your taxable income against which your taxes due are calculated. The $1 million level applies to married tax filers who file jointly and single taxpayers.
CONTINUED >>>
Wondering What Your Home Is Worth?Let me show you.
Battle of the WarringHousing Price Indexes We saw another "battle of the warring housing price indexes" last month, with the federal government reporting positive price appreciation in more than two-thirds of U.S. metropolitan markets -- at the same time a widely-publicized Wall Street index said home values were down by a record 4 percent for the year, and down by 5 percent in the top 20 markets. How could there be such big differences? And which index is right? Here are the facts: The federal government's house price index is produced quarterly by an agency called the Office of Federal Housing Enterprise Oversight (OFHEO). It measures valuation movements in a massive database of millions of homes whose loans were financed or refinanced by Fannie Mae or Freddie Mac. The data covers nearly 300 major metropolitan markets and dozens of smaller non-metropolitan areas. In its latest index, released November 29, OFHEO reported prices in
CONTINUED >>>
Smoothing The RoughRoad To Refinancing Lower interest rates could offer some financial buoyancy for those looking to refinance before they get in over their heads. Home mortgage interest rates have been flat or falling since early October. The falling average rate probably won't help those who purchased a home, a year or two ago, especially if they had a small equity stake in their home. "The problem is a lot of people in those products is they don't have any equity in the house and lenders want equity to refinance," said Glenda Queensbury, a mortgage adviser in San Jose, CA. However, there could be a safe harbor available for others facing a resetting adjustable rate mortgage (ARM) with the potential for higher rates and unmanageable mortgage payments. The key, say the experts, is to examine your options early. "Absolutely. When people start feeling the pinch don't wait until you are delinquent. The more delinquent you become the more options that will start going off the table" says William Higgins, chief lending officer of online bank Ing Direct. Higgins says it's a good idea to visit your existing lender first. That's especially true if your lender doesn't sell loans and has a vested financial interest
CONTINUED >>>
Stone is a Growing TrendFor Home Décor It's as old as time, but as popular as ever. Stone is rapidly making its way into homes as perhaps one of the fastest growing decorating trends. The European Old World look brings with it not only a luxurious style but also an ease and comfort that gives a home personality. Homeowners are leaving behind the once-preferred 70's looks of wall-to-wall carpeting throughout the house, linoleum kitchen floors and vinyl tiles in the bathroom, and instead choosing natural stone, Versailles patterns, travertine, and limestone, with honed-matte finished surfaces. For countertops, homeowners are using two tones, finishing their kitchen island in maybe limestone and the surrounding kitchen countertops in granite materials for a unique style.
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

December Round Up: Bond Yields Inch Up, Bringing Rates With Them

Love The Ranch-style House

Going Green: Easier ThanYou May Think

Understanding How FederalReserve Rate Cuts Work
Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://bonniefagoh.mfr.mlxchange.com813-390-7606
Century 21 Beggins Enterprises813-390-76066542 U. S. Hwy. 41 N.Apollo Beach, FL 33572
Equal Housing Opportunity

Your REALTOR:
Bonnie Fagoh
November 2007
Buyin' or Sellin'....Call Bonnie Helen! (Fagoh)(813) 390-7606
Copyright © 2007 Realty TimesAll Rights Reserved.
It's A Buyers Market. So, When Are You Going to Buy? A buyer's market is technically defined as: "A market condition characterized by an abundance of goods available for sale." The in-depth definition from the same source is: "When a buyer's market exists in commodities, the buyer is able to be selective in purchasing contracts, as there are many individuals wishing to sell. Furthermore, these buyers will generally be able to purchase contracts at lower prices than those that were previously prevalent." The simple version is: when no one else wants a product of value -- buy it, because the price will be
Mortgage Rates U.S. averages as of October 25, 2007:30 yr. fixed: 6.33%15 yr. fixed: 5.99%1 yr. adj: 5.66%30 yr. jumbo: 6.98%-->
View current rates
lower whereby you'll be able to maximize your investment for future gain. In essence -- buy low, sell high. When it comes to purchasing real estate, it's not as easy as investing in your 401K or savings account. Those are simple. You can select as little as $1 to invest each
CONTINUED >>>
Wondering What Your Home Is Worth?Let me show you.
Don't Let Home HeatingWear Out Your Wallet As sure as year-end holiday decorations hit the stores months early, the annual home heating fuel cost forecast will put a damper on season's greetings. The U.S. Energy Department's (DOE) 2007-2008 "Short Term Energy and Winter Fuels Outlook" is bleak thanks to both colder weather, than last year and record high fuel costs. Without the cooperation of Mother Nature and oil barons, conservation, weatherization and other fuel saving techniques will be key to saving on heating costs this heating season. Overall, when the four most common types of central heating were considered -- oil, natural gas, propane and electricity -- the DOE said the average cost of heating homes during the heating season will rise nearly $90 or 10 percent this winter compared with last year. Households warmed with heating oil will really get burned. The average heating oil bill is expected to rise by a whopping $319 this heating season,
CONTINUED >>>
Safeguarding Your Mortgage Application Takes Commonsense There are several factors that affect the real estate market as a whole. These factors can make the national market swing upward or downward. One is the employment expansion/shrinkage in the job market; secondly, is the availability of money to consumers; thirdly, is the size of the real estate inventory. When all of these come into alignment, you have a killer market that nothing can stop. When one gets out of kilter, it can make the market stall, shrink or halt no matter how strong the other two. It's a three-legged table, as it were. This is why even though you'll hear the stories nationally about real estate, it's not a national phenomenon. In the past year, 13 states have seen home sales price appreciation of more than 5 percent (National Association of Home Builders), as well as the number of home sales beating out the year before. Real estate, like politics, is local. So before you get excited or scared about a particular housing market, look and analyze what's going on locally to make a decision. With that said, there is a factor in preparing for a home purchase that both buyers and sellers have complete control over. Nothing about interest rates, inventory or employment
CONTINUED >>>
Winterize AgainstPesky Intruders Here's another reason to plug holes, stop gaps and otherwise winterize your home. Pests that get in can be just as expensive as heat that gets out. The National Pest Management Association (NPMA) says the last thing you want in your home for the holidays are the kind of unwanted guests that can turn out to be real creeps. Roaches can trigger asthma. Mice can gnaw through electrical wires and insulation. So can rats. All three will get into your pantry. Yeech. Unfortunately, just as you want to stay inside where the warmth is delightful, so do vermin and they can be quite frightful. "Pests adapt to the changing environment and seek refuge indoors during the colder months," says Cindy
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

October Roundup: Rates Fall

Important Facts That Will Affect Real Estate Pricing Over The Next 20+ Years

New ID Theft Study Points to Strangers

Popularity of Outdoor LivingSpaces Increases
Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://bonniefagoh.mfr.mlxchange.com813-390-7606
Century 21 Beggins Enterprises813-390-76066542 U. S. Hwy. 41 N.Apollo Beach, FL 33572
Equal Housing Opportunity