In honor of October being Fire Prevention Month, here is a list of innovative ‘smart’ fire safety devices. These products are designed to add convenience to a home while helping to keep household occupants better protected.
Sincerely, |
 |
|
| Jackie A. Fowler | |
| NMLS #546304 | |
| Mortgage Loan Originator | |
| 469 W. 23rd St. | |
| Panama City, FL 32405 | |
| p - 850.872.7155 | |
| c - 850.814.8390 | |
| f - 877.742.7693 | |
| jackie.fowler@regions.com | |
Copyright 2016 Nexstar Broadcasting, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
ORLANDO, Fla. – Sept. 22, 2016 – Florida's housing market reported more closed sales, higher median prices, more new listings and fewer all-cash closed sales in August, according to the latest housing data released by Florida Realtors®. Closed sales of single-family homes statewide totaled 25,070 last month, up 8.2 percent from August 2015.
"A continued lack of inventory – particularly in the mid-$200,000 and under range – is creating obstacles for many buyers who are trying to enter Florida's housing market," said 2016 Florida Realtors President Matey H. Veissi, broker and co-owner of Veissi & Associates in Miami. "Rising median prices also may be an inhibiting factor for these would-be homeowners; however, the uptick in prices could persuade sellers that now is the time to list their properties for sale, which in turn may help ease the tight supply in many areas."
Home sellers continued to get more of their original asking price at the closing table in August: Sellers of existing single-family homes received 96.4 percent (median percentage) of their original listing price, while those selling townhouse-condo properties received 94.6 percent (median percentage).
The statewide median sales price for single-family existing homes last month was $225,000, up 12.6 percent from the previous year, according to data from Florida Realtors research department in partnership with local Realtor boards/associations. Thestatewide median price for townhouse-condo properties in August was $160,000, up 6.7 percent over the year-ago figure.
In August, statewide median sales prices for both single-family homes and townhouse-condo properties rose year-over-year for the 57th month in a row, Veissi noted. The median is the midpoint; half the homes sold for more, half for less.
Accordingto the National Association of Realtors (NAR), thenational median sales price for existing single-family homes in July 2016 was $246,000, up 5 percent from the previous yearthe national median existing condo price was $228,400.In California, the statewide median sales price for single-family existing homes in July was $509,830; in Massachusetts, it was $376,750; in Maryland, it was $289,088; and in New York, it was $255,000.
Looking at Florida's townhouse-condo market, statewide closed sales totaled 9,484 last month, up 3.3 percent compared to August 2015. Closed sales data reflected fewer short sales and cash-only sales in August: Short sales for townhouse-condo properties declined 37.4 percent while short sales for single-family homes dropped 37.3 percent. Closed sales may occur from 30- to 90-plus days after sales contracts are written.
"Closed sales of single-family homes in Florida were up by 8.2 percent year-over-year in August, effectively erasing all of the losses from July," said Florida Realtors Chief Economist Brad O'Connor. "August's gains were broad-based, with 20 of Florida's 22 metro areas experiencing a year-over-year increase in sales. However, a single month's worth of data is rarely enough information to make assertions about a market's direction.
"In the present case, it's possible that a number of sales that might ordinarily have occurred in July were pushed back into August. Basically, if you consider the data over July and August together, the net growth rate continues the trend we've been seeing all year of slow but positive growth in the single-family market."
Inventory was at a 4.2-months' supply in August for single-family homes and at a 5.8-months' supply for townhouse-condo properties, according to Florida Realtors.
According to Freddie Mac, the interest rate for a 30-year fixed-rate mortgage averaged 3.44 percent in August 2016, which was notably lower than the 3.91 percent average recorded during the same month a year earlier.
For the full statewide housing activity reports, go to Florida Realtors Research and Statistics on floridarealtors.org. Realtors also have access to local market stats (password protected) on Florida Realtors’ website.
© 2016 Florida Realtors®
Please click on these links to see new listings.
Summerhouse 208B
Treasure Island 109
Regency Towers Unit 201
Summit unit 818
Watercrest unit 606
A prominent and respected man came to a well-known minister, asking him to come to his home and pray for his young daughter. She was dying, and there was nothing the doctors could do. The father's riches and power could do nothing for her, and he reached out to God for help. The minister agreed to go to his house, but along the way was distracted by someone else with a need. While the minister talked with this hurting individual, a message arrived from the desperate father's house. "It's over", the message said. "Your daughter is dead, there is nothing else that can be done."
The despair must have been incredible. The hurt overwhelming. If only the minister had not allowed himself to be delayed. His reputation in the healing ministry was unparalleled, but it was too late. The father could have blamed the minister, but he said nothing. The minister, hearing the death report, said some words that changed the man's life forever. He said "Don’t be afraid. Just have faith, and she will be healed.” The father and the minister proceeded together to the house where the child had died. The minister prayed, and the young girl was healed and raised from the dead! It was a miracle: It's never too late for God!
The story I have retold in modern English can be found in the Gospel of Luke, chapter 8. The father's name was Jairus, an important Synagogue Official of that day. The Minister was none other than Jesus, Who healed and raised Jairus' daughter from the dead. His words to Jairus in the face of his daughter's death are just as powerful today as they were then. “Don’t be afraid. Just have faith ” (Luke 8:50) or, "Don't be afraid, Just believe."
Fear is the enemy of faith. Fear produces results in the satan's kingdom, just like faith produces results in God's kingdom. Satan controls the kingdoms of this world, and they are run by fear. The Kingdom of God is controlled and activated by the Word of God, which works by and through faith. When we face impossible circumstances in life, and when it seems to be too late, we must realize that God is always on time. If we refuse to be controlled by fear and take a stand of faith, even the most difficult and challenging circumstances can change in our favor. When ministering on Jairus' behalf, Jesus proved that even the finality of death can be reversed by faith. Perhaps you have experienced the death of your dreams, the death of a relationship, the death of your business, or the death of your peace of mind. When you face these circumstances, cast down fear, and exercise faith in God's Word. When you do, resurrection power flows from God through you to turn your situation around.
The only thing that can stop our success is fear. Cast down fear, and release your faith. The same words that miraculously changed Jairus' life can change our lives as well. "Don't be afraid, Just believe!"
Pastor Ramon
IRVINE, Calif. – Sept. 20, 2016 – New foreclosure cases increased 6 percent in South Florida over the past six months, though that's not necessarily a sign of another housing market decline, according to a real estate research firm.
Palm Beach, Broward and Miami-Dade counties had 7,354 new cases from March through August, compared with 6,934 during the same period of 2015, according to a report from ATTOM Data Solutions, of Irvine, Calif.
Over the same time frame, new filings dropped 4 percent in Florida and 16 percent nationwide, the report says.
Despite the increase in the tri-county region, the number of new cases remains below pre-recession levels, said Daren Blomquist, a vice president of ATTOM.
The recent uptick in filings is a "reflection that there is still distress in the South Florida market," he said. "But we're really back to normal when it comes to [new foreclosure cases]. And there will be some ups and downs within that normal range."
Foreclosures peaked in South Florida during 2009, when 133,250 new cases were filed, according to ATTOM.
Home prices hit bottom by the end of 2011, and an increase in sales to buyers looking for bargains helped housing recover. The economy and the job market improved as well, and that means fewer homeowners falling behind on mortgage payments, analysts say.
Florida courts used to be swamped with foreclosure filings, but judges now are focused more on clearing out the backlog of cases that built up during the bust, said Jerry Tepps, a South Florida real estate lawyer.
Tepps said stricter lending standards are helping to cut down on foreclosures. During the boom, some buyers could get loans without proof of income, but lenders today are much more selective in their underwriting, he said.
"It's a whole, different world now," Tepps said. "They aren't giving out mortgages to everybody who wants one."
With home sales softening in recent months, some analysts say the market has peaked and is facing an inevitable slowdown that could result in more delinquencies and foreclosures.
However, Ken Johnson, a real estate economist and professor at Florida Atlantic University, said any slowdown will pale in comparison to the housing collapse of 2006-2011.
Aside from better underwriting standards, interest rates remain low and incomes are starting to inch higher, according to Johnson. Home price increases will level out, but values won't plunge, he said.
"I expect a fairly soft landing," Johnson said. "This isn't walking, crawling or talking like 2007. It's just not."
© 2016 the Sun Sentinel (Fort Lauderdale, Fla.), Paul Owers. Distributed by Tribune Content Agency, LLC.
ATTORNEYS:
Caleb Ratliff
850-814-8107
calebhratliff@gmail.com
Barron & Redding Attorneys
220 McKenzie Ave
Panama City, FL 32401
BLINDS:
David Moss
Moss Custom Flooring & Blinds
1348 N Railroad Ave., Chipley, FL 32428
850-890-6924
BUILDERS:
Crowne Builders, LLC
850-596-8876
CrownBuilders.com
CABINETS:
Johnny Bone
Simply Granite
508 A Enterprise Drive
Panama City Beach, FL 32408
850-532-3233
Simply GranitePCB.com
simplygranite@gmail.com
Doors & Hardware
J&J Door Mfg
850-769-2554
http://www.jandjdoormfg.com
2325 Transmitter Rd. Panama City, FL 32404
CARPET CLEANERS
Certified Tile & Carpet Care
Andy Biondo
850-460-0706
CERTIFIED PUBLIC ACCOUNTANTS…
Crystal Nixon
Perdue, Skinner & Nixon
2023 Thomas Dr., Panama City Beach, FL 32408
850-541-2261
CLEANERS:
Lisa James
850-209-6864
BeachDream22@hotmail.com
Liz Martin
334-787-7691
Diane Normand
251-463-0487
Rick Weber
850-588-0582
PremierCondoCleaners.com
850-588-0582
DENTIST:
Dr. Stephen Myers
10510 Hutchison Blvd. ?Panama City Beach, FL 32407
850 234-7080
850 234-0740
ORAL SURGERY
Dr. Scott Heitzmann
725 Ohio Ave, Lynn Haven, FL 32444
850 271-8001
DOCTORS:
DIGESTIVE DISEASES
Dr. Christopher Wells
204 E 19th St # B, Panama City, FL 32405
850 763-5409
FAMILY PRACTITIONER
Dr. Laura Yauch
Sacred Heart Medical Group
120 Richard Jackson Blvd # 100, Panama City Beach, FL 32407
850 233-6922
OPHTHALMOLOGY
Dr. Ben Hasty
2500 W 23rd St, Panama City, FL 32405
850 784-3936
PEDIATRICIAN
Dr. Ingrid Rachesky
2550 Jenks Ave, Panama City, FL 32405
850-769-1481
Racheskymd.com
PODIATRY
Dr. Shayne Jensen
Gulf Coast Podiatry
2201 Jenks Ave, Panama City, FL 32405
850 769-0325
SURGERY
Dr. Larry Wong
502 N Macarthur Ave, Panama City, FL 32401
850 215-1080
ELECTRICAL:
KDH Services
568 Inlet View Ln, Panama City Beach, FL 32413
850 234-5281
FLOORING:
John Fenwick
Fenwick Flooring
850 914-0645
David Moss
Moss Custom Flooring & Blinds
1348 N Railroad Ave., Chipley, FL 32428
850-890-6924
Vic Salka
Tile & Decorations, LLC
850-319-5509
FURNITURE:
Rod Perkins
Factory Direct Furniture
20720 PCB Pkwy, PCB, FL 32413
850-890-9606 Cell
850-233-5975 Office
HANDYMAN:
HOME INSPECTORS:
Elji Home Inspections
Jim Musser
113 Palm Bay Blvd
850-610-0010
www.eljiservices.com
Aim High Inspection
John Shelton
850-532-9265
Hank Stokes
Beach House Inspections
BeachHouseInspections@gmail.com
BeachHouseInspections.com
850-890-1467
Hourglass Inspection
Johnny Harris
850-960-1635
INSURANCE COMPANIES:
Asset Insurance
850-337-1489
Brian K Taylor Insurance
850-249-8060
Dick Hall Agency
850-785-3717
Hutt Insurance Agency
850-769-4888
Brown Insurance Services
850-235-5331
Coast to Coast Insurance
Sandra Mercado
850-460-7480
Brightway Insurance
17304 Panama City Beach Pkwy
850-588-5200
www.brightwaypanamacitybeach.com/
St Andrews Insurance
1742 W 15th St, Panama City, FL 32401
(850) 785-2383
www.standrewsins.com/contactus.aspx
Blackwell Insurance
205 W 7th St, Panama City, FL 32401
(850) 769-2225
www.blackwellinsurance.net
Joe Brown Insurance
Allstate Insurance Company
850-238-8921
LENDERS:
Jackie Fowler
Regions Mortgage
850-872-7155
Kristen Blossman
Gulf Coast Bank & Trust
850-654-1994
Mike Tarleton
Bank of England
850-866-2963
Tonya R. Franklin
Mortgage Loan Originator
NMLS # 1111713
Office: (850) 747-4211 Cell: (850) 867-0277 Fax: (850) 236-7132
11350 Panama City Beach Pkwy, Panama City Beach, FL 32407
Jason Crowe
COMMUNITY BANK
100 Richard Jackson Blvd, Suite 100
Panama City Beach, FL 32407
Phone: 850-775-1000
Fax: 850-775-1024
BANKCORP
Joe Wells
Caliber Home Loans
850-896-6541 Cell
850-588-0914 Office
Joe.Wells@caliberhomeloans.com
MASSAGE:
Beach Therapeutic Massage & Spa
5924 Thomas Drive
850-234-6563
PAINTERS:
Robert McCoy
850-814-3462
850-381-1855
Roger West
850-819-8841
PLUMBERS:
KDH Services
568 Inlet View Ln, Panama City Beach, FL 32413
850 234-5281
Whitehead Plumbing
1601 Frankford Ave
Panama City, FL
850-785-9227
PROPERTY MANAGERS:
Carol Smith
JFR Beach Rentals
706-766-9055 Cell
850-866-7973 Office
JFRBeachRentals.com
Tina Jennings
Panama City Condo Vacations
Tina@panamacitycondovacations.com
PanamaCityCondovacations.com
770-334-3544
TILE CLEANERS
Certified Tile & Carpet Care
Andy Biondo
850-460-0706
GAINESVILLE, Fla. – Suburbia threatens to cover nearly double the amount of land now claimed by neighborhoods and shopping centers in Florida, because the population is projected to reach 34 million by 2070, according to a study conducted by University of Florida researchers who partnered with 1000 Friends of Florida and the state Department of Agriculture.
Based on study results, the researchers call for a change in current building patterns to help preserve the state's farming and natural areas while also preparing the state for the 15 million more residents expected in Florida over the next 50 years.
Researchers recommend encouraging more redevelopment within cities and towns, allowing more intense development within or near urban areas, and making it easier to foster transportation alternatives.
The study also calls for including a variety of housing types in new development – from houses to apartments – to help make homes more affordable. It also recommends incentives for landowners to keep their land in agriculture operation, and an investment in preserving more land for farming and conservation.
"We are not talking about doing away with development," says Vivian Young, spokeswoman for the growth watchdog group 1000 Friends of Florida, which worked with the University of Florida and the state's agricultural department to produce the report.
Source: Sun-Sentinel (FL) (09/15/16) Reid, Andy
© Copyright 2016 INFORMATION, INC. Bethesda, MD (301) 215-4688
There are only 2 Gulf Front Condo Foreclosures on the entire beach at the time of the post. There are 8 single family foreclosures and 4 multi family foreclosures.
IRVINE, Calif. – Sept. 13, 2016 – CoreLogic's July 2016 National Foreclosure Report showed the foreclosure inventory in the U.S. declined by 29.1 percent and completed foreclosures declined by 16.5 percent compared with July 2015.
The number of completed foreclosures nationwide decreased year over year from 41,000 in July 2015 to 34,000 in July 2016, representing a decrease of 71.2 percent from the peak of 118,009 in September 2010.
The foreclosure inventory represents the number of homes at some stage of the foreclosure process and completed foreclosures reflect the total number of homes lost to foreclosure. Since the financial crisis began in September 2008, there have been about 6.4 million completed foreclosures nationally. Since homeownership rates peaked in the second quarter of 2004, there have been about 8.5 million homes lost to foreclosure.
As of July 2016, the national foreclosure inventory included about 355,000, or 0.9 percent, of all homes with a mortgage compared with 501,000 homes, or 1.3 percent, in July 2015. The July 2016 foreclosure inventory rate is the lowest for any month since August 2007.
CoreLogic reported that the number of mortgages in serious delinquency (defined as 90 days or more past due including loans in foreclosure or REO) declined by 17.3 percent from July 2015 to July 2016, with 1.1 million mortgages, or 2.9 percent, in this category.
The decline was geographically broad, with declines in 47 states and the District of Columbia.
"Loan modifications, foreclosures, and stronger housing and labor markets have each played a role in bringing the foreclosure rate to the lowest level in nine years," said Dr. Frank Nothaft, chief economist for CoreLogic. "The U.S. Treasury's Making Home Affordable program has contributed to the decline through permanent modifications, forbearance and foreclosure alternatives which have assisted 2.5 million homeowners with first mortgages at risk of foreclosure since 2009."
Anand Nallathambi, president and CEO of CoreLogic, said, "Foreclosure rates declined year over year in all states except North Dakota, which experienced a 6 percent increase in its foreclosure inventory related to the drop in energy-related jobs. Importantly, judicial states like New Jersey and New York have continued to work through their large inventory of homes in foreclosure proceedings."
| A major change is coming to the mortgage industry. Beginning September 24, Fannie Mae will require lenders to use trended credit data when underwriting single-family borrowers. Trended credit data gives lenders access to the payments a borrower has made on existing credit accounts for the past 24 to 30 months. The data helps determine if a borrower pays off credit cards each month or if they typically carry a balance from month to month while making minimum payments. The goal is to help lenders make a smarter, more thorough analysis of a borrower’s credit history. As always, I’m here to answer any questions you may have. You can count on me to help. Sincerely, |
|
|
| Jackie A. Fowler | |
| NMLS #0546304 | |
| Mortgage Loan Originator | |
| 469 W. 23rd St. | |
| Panama City, FL 32405 | |
| p - 850.872.7155 | |
| c - 850.814.8390 | |
| f - 877.742.7693 | |
| jackie.fowler@regions.com | |