Location! Location! Location! DIRECT SAILBOAT ACCESS and just minutes to Sanibel and surrounding islands….From the first moment I walked into this unique GULF ACCESS home I knew it was something special and so will you!! The WATER VIEWS are breathtaking and the layout is perfect with lots of open space and plenty of room (almost 2000 sq feet of living area). This home shines with pride at being well maintained and clean as a whistle! If you like to entertainthis is the one! The split floor plan offers 2 master bedrooms both with FRENCH DOORS leading right out to the pool area and both with full baths. Imagine sitting on the lanai relaxing the day away, taking a dip in the pool or boating from your backyard to any place in the world. This is true Tropical Paradise Living!!! Come take a tour todayyou won’t want to leave.

More info on MLS#200952468 | See Map

Contact: Deborah ‘Deb’ Cullen | 239.233.2322
deb@CapeDeb.com

State and National News:

• Feds set criteria for Defective Drywall diagnosis  Read more….
• HUD and CPSC issue guide on identifying toxic drywall  Read more…
• Federal Short Sale Guidelines could speed up transactions   Watch Video for more…
• Banks seek payback from walkaways   Read more…

Taxes and Insurance:

• Energy efficiency can bring take savings   Read more…
• Tax incentives   Read more…

Cape Coral and SW Florida News:

• 10 Most Undervalued Housing Markets   Read more…
• Crime drops 15.7  percent in Cape Coral  Read more…
• Cape Coral crime rate down   Read more…

Real Estate Tips:

• 10 Inexpensive ways to WOW Buyers  Read more…
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• The world’s 18 Strangest Homes   Read more…
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Green News:

• Manatee deaths a record   Read more…

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Check out my new website at

www.CapeDeb.com

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8 Steps to Getting Your Finances in Order…….

Develop a family budget. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected expenses, such as car repairs, illnesses, etc., as well as predictable costs such as rent.

Reduce your debt. Generally speaking, lenders look for a total debt load of no more than 36 percent of income. Since this figure includes your mortgage, which typically ranges between 25 percent and 28 percent of income, you need to get the rest of installment debt—car loans, student loans, revolving balances on credit cards—down to between 8 percent and 10 percent of your total income.

Get a handle on expenses. You probably know how much you spend on rent and utilities, but little expenses add up. Try writing down everything you spend for one month. You’ll probably see some great ways to save.

Increase your income. It may be necessary to take on a second, part-time job to get your income at a high-enough level to qualify for the home you want.

Save for a downpayment. Although it’s possible to get a mortgage with only 5 percent down—or even less in some cases—you can usually get a better rate and a lower overall cost if you put down more. Shoot for saving a 20 percent downpayment.

Create a house fund. Don’t just plan on saving whatever’s left toward a downpayment. Instead decide on a certain amount a month you want to save, then put it away as you pay your monthly bills.

Keep your job. While you don’t need to be in the same job forever to qualify, having a job for less than two years may mean you have to pay a higher interest rate.

Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills. Pay off the entire balance promptly.

Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®

Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag

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Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

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