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August 2010 - Posts

What A Buyer Needs to Know About a Lender and Realtor - be the "Educated Buyer"
This daily changing market is making harder and harder for a "smooth" transaction. The first step for a buyer, as I am sure you know, is to get pre-approved. Be sure that you have given all the financial information they have requested and you Read More...

by Julie Ludovico & Elsie Kempsey | 1 Comments

Wildlife Sanctuary in Spring Hill (Hernando County) Florida
I was surprised to find out that we had a wildlife survival sanctuary in SPring Hill on 18212 Booming Road, Spring Hill, Florida (Hernando County). I had read about their 10th anniversary in the Hernando Today and then went on their web-site and this Read More...

by Julie Ludovico & Elsie Kempsey | 47 Comments

People Helping People
In today's very upsetting economy and turnoil all around, it is a welcoming site to volunteer for a group called People Helping People (PHP), an interfaith community of Christians, Jews, and Muslims who are concerned with the increasing numbers of Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

HUD, Auctions and Foreclosure Homes
If you are interested in purchasing a HUD home, you need a registered HUD agent and we are the ones! We have the right to show the homes, and if you want to make an offer, the offer is done on line by a registered HUD agent. If you want to make a bid Read More...

by Julie Ludovico & Elsie Kempsey | 2 Comments

Frustrated Sellers
As a realtor in Hernando County primarily (Spring Hill, Weeki Wachee and Brooksville, we have seen many frustrated sellers and we would like to tell them "don't shoot the messenger", but, unfortunately, we are the bearers of the news when Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

Should A Seller Get an Appraisal Before Listing Their Property?
In the past, we would have said "no". Now, it is a good idea. Realtors will give the seller the information to make an informed decision, however, in our ever changing daily market, we are finding that their homes may not even be worth what Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

New FHA Regulations Coming in September
While the exact specifics are not clear the Senate approved FHA regulation changes that will allow for FHA to increase the cost of getting mortgage insurance. It appears that the changes that will go into effect on September 7th will allow for a reduction Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

Tubing Down the Rainbow River Dunnellon Florida
We were asked by friends to go tubing down the Rainbow River at Rainbow Springs State Park in Dunnellon which is located in Marion County. From Spring Hill in Hernando County it is a little over an hour's drive North on Hwy 41. I was a little uneasy Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

Avoid the Ten Worst First Time Home Buyer Mistakes
Julie and I make sure that our customers have the most knowledge and can make informed decisions. The purchase of a home has never been more difficult than it is now, with all the "supposedly" regulations from the lending institutions and we Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

Citizens Insurance Is At It Again
It seems Citizens Insurance, who we are at their mercy, has passed a new rule. They will NOT insure a shingle roof that is more than 25 years old; a tile roof they will extend a bit longer (I heard probably 30 years, but I am not sure). So where does Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments

Brooksville (Hernando County) No More Cameras at Lights
It seems that the Brooksville City Council is no longer going to have active cameras at their traffic lights. It seems that local businesses were complaining that tickets were being given out and it was affecting their business. Brooksville City is located Read More...

by Julie Ludovico & Elsie Kempsey | 0 Comments