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2009 Christmas Message

Merry Christmas and Happy Holidays I'm taking a break from cooking for our family Christmas dinner tonight to write a short message to all our clients and friends. At this special time of year, we wish you the best possible holiday season. We wish … [Read more...]

November New Home Sales Down 11.3% – Who Is Surprised?

November New Home Sales Down 11.3% From October November new home sales are down and I'm surprised at the surprise expressed in the media. I would have bet a dollar to a donut that sales would be down. Sales in the south were down more than 20% and … [Read more...]

Is A VA Mortgage for You?

Will a VA Mortgage Work for You? VA mortgages are partially guaranteed by the Veterans Administration, require low down payments, require no mortgage insurance and have negotiable mortgage rates. I'm a veteran having served with the Air Force as a … [Read more...]

New FHA Loan Condos Rules

New Rules for FHA Condo Loans The FHA has published some new rules for condo loans. These rules are more stringent and are designed to protect the agency from defaults and fraud. The New Rules 30% of the units must have already been sold A big … [Read more...]

Ormond Beach Florida Canopy Walk – Photo Friday

Ormond Beach Florida Canopy Walk The canopy in Ormond Beach is one of the most beautiful features in our town. Drive up Beach Street and you can experience the beauty and serenity of the canopy. This photo was taken close to my home in Ormond Beach. … [Read more...]