Lenders Unite In Crisis Plan – Project Lifeline
By Alison Markham, Broker-Associate, GRI, Realtor® | March 10, 2008
Six companies agree to extend help to homeowners on the brink of foreclosure.
These big mortgage companies want to throw out a lifeline to struggling customers.
With fanfare and the blessings of the Bush administration, the companies
launched “PROJECT LIFELINE”
Companies; Bank of America, Citigroup, Countywide, JPMorgan Chase, Washington
Mutual and Wells Fargo:
Must be: Owner- Occupied homes, the property cannot have a foreclosure sale
date within the next 30 days, and home owner cannot be in Bankruptcy,
( HELP IS DETERMINED CASE BY CASE)!
CALL 1-888-995-HOPE
Topics: Real Estate Citrus County, Real Estate News | No Comments »
8 tips for pricing your home in a buyer’s market
By Alison Markham, Broker-Associate, GRI, Realtor® | March 8, 2008
By Dana Dratch • Bankrate.com
It’s tough being the seller in a buyer’s market. But you can improve your odds with the right research. In many cases, making a smart deal and getting the best price comes down to studying your market and being an educated seller.
“You’ve got to know more than you would have if you’d sold a year ago,” says William Poorvu, professor emeritus at Harvard Business School and author of the upcoming book “Creating and Growing Real Estate Wealth.” “If you want to protect yourself, you have to become knowledgeable.”
1. Recognize that housing markets are local.
Home prices are like the weather — very different in different areas.
In many markets, home prices have actually gone up from last year, says Dick Gaylord, president of the National Association of Realtors.
In addition, demand will change depending on the price range and even the neighborhood. What you need to know: What’s the demand for a house like yours in your area?
“You have to look at what’s being sold and at what price,” says Poorvu. “That’s important.”
Look at comparables for similar houses. Study prices and sales for one year ago, six months ago, three months ago and current numbers, says Gaylord.
What are the trends? Are prices going up or down — and by how much? How many days are homes staying on the market? If they are on the market longer, how much of that could be seasonal? In many areas, spring and summer are the busy seasons.
Pay special attention to “the delta between the list price and the sales price,” says Ron Phipps, broker with Phipps Realty in Warwick, R.I. That is, look for a meaningful relationship between list price and sales price. Perhaps most homes are selling for 5 percent less than the list price.
“An agent who works the market will be in the best position” to find “the tipping point between nice, attractive and interesting — and being sold,” Phipps says. You want to find the point between, “Hey, that’s interesting,” and “It’s too good to pass up.”
If you’re not using a real estate agent, it’s especially important to use the Internet, visit open houses in your area and study home sales in your Sunday paper, says Greg Healy, vice president of operations for ForSaleByOwner.com.
But you also need to realize that the paperwork alone only tells part of the story. While sales and prices are public, many times seller concessions are not.
2. Analyze who is buying and selling in your market.
What’s your competition? Who are the buyers, and why are they shopping?
Do you live in an area like Phoenix, “a growing market with people coming in,” says Poorvu. Or are you living in an area that doesn’t attract a lot of new residents, where many shoppers are “bottom fishers” who don’t have to buy but are “looking to pick up a bargain,” he says.
Are you competing against a flood of new houses from builders eager to sell, or are you selling a newer home in an area where most of the housing stock is older?
3. Ask the professionals.
Don’t ignore the elephant in the living room. When you interview real estate agents, ask about the market conditions for your area and price range.
Specifically, ask about the “absorption rate” says Phipps. What that means: In the current conditions with the current inventory, how long would it take the market to absorb or sell, all the houses on the market?
If the supply is much larger than the demand, ask potential agents how they would “price to offset that inventory,” he says.
4. Know what your house is worth.
Talk to a handful of agents. Get an appraisal from a certified professional appraiser. Look at your comparables. Taken together, that information will give you a pretty good idea of what your home is currently worth.
5. Consider strategic pricing.
Here’s how it works: If prices in your area are dropping 1 percent each month, and you want to sell within the next three months, you take 3 percent off your price right off the bat, says Phipps. So if you were going to put your home on the market for $400,000, you set the price at roughly $388,000.
The upside: You’ll have the competitive edge over the guy who’s dropping his price every month, without the air of desperation. Plus, in a market where prices are falling, you’ll make more money if you sell quickly.
The downside: Predicting the market is a tough call, even for the pros. And it’s really difficult to raise the price if your market starts to rebound, Phipps says.
6. Rebate your ‘commission.’
If you’re selling it yourself and need to move quickly, consider subtracting half of what would have been the commission from the sales price, says Healy. The standard commission is about 6 percent, so if you subtract 3 percent, your $300,000 house would go on the market for $291,000, he says.
Listing a home for “$9,000 to $10,000 under that value should create higher interest,” especially if it’s new to the market, says Healy.
The downside: If the house doesn’t sell and you end up hiring an agent, you’ll need to cover the commission, which may mean raising your sales price or taking a smaller profit.
7. Evaluate whether you really have to sell now.
If you want to get the best possible price for your home and the local market is tanking, “see if you can delay the sale,” says Poorvu. Otherwise, in a lot of markets, sellers have “to be willing to accept a pretty good haircut over what they thought their home was worth last year,” he says.
The downside of waiting: The market could decline or your circumstances could change to the point that you might need to sell quickly.
But for situations where the move is optional (or you might be able to rent the property until your local market improves), waiting is a solid option.
Just because you’ve already planted that “for sale” sign doesn’t mean you can’t change your mind if you’re not seeing the interest you anticipated.
“If you know there are no sales or sales are decreasing, and you have the opportunity,” taking it off the market is a decent solution, says Healy. “I think we’re seeing a lot of that.”
8. Assess the market where you plan to buy.
If you’re selling one house and buying another, look at the market where you plan to move. Says Poorvu, “It might be that, with the housing there, it’s a great time to buy.”
Topics: Real Estate Citrus County, Real Estate News, Seller Information | No Comments »
The 7 Deadly Sins Sellers May Be Committing
By Alison Markham, Broker-Associate, GRI, Realtor® | March 7, 2008
Thursday, March 06, 2008 – By Thomas M. Mitchell
So what’s the biggest mistake home sellers make? Thinking that potential buyers will walk into their home and just love the way they have decorated. Wrong.
And the second biggest mistake? That their home can never look like the one in the Architectural Digest Magazine. Wrong again.
In real estate, beauty is in “the eye of the buyer” and many consumers fail to recognize that fact. They continue to make of the same basic mistakes – referred to by some as the “Seven Deadly Sins.” And that’s where a professional stager, or a real estate professional with staging knowledge, can help the sellers get their house in order, as it is widely recognized that staged homes sell faster.
Here is what the Accredited Home Staging Council refers to as the Seven Deadly Sins of Staging. Do you know any sellers guilty of any of these potential deal breakers?
1. Failure to thoroughly deep clean your home – especially the kitchen and bathrooms.
A dirty house is an immediate buyer turn-off and the two most important areas are the kitchen and the bathrooms. If there has not been a deep cleaning of all counter and tile surfaces to a spotless condition, you stand the chance of having the buyers walk right back out the door. Another critical area is the floors – all carpets and rugs. Without question they must be either replaced or steam cleaned as a dirty carpet is the number one buyer turn-off. If they’re hardwood and scratched or marred you might want to have them refinished.
2. Failure to de-clutter your entire home.
Clutter, both inside and outside, makes it extremely hard for the buyers to visualize moving in. The disorganization will directly affect the buyer’s ability to focus on the house and they will most likely overlook its key selling features. In addition, clutter has the affect of making the house appear smaller than it is as the “open” feeling is gone.
3. Failure to de-personalize your entire home.
The seller’s home is their comfort zone and it is filled with all of their personal memorabilia, but to the buyers it represents a huge distraction. People are generally curious and when you want them to notice the beautiful entryway they may be focused on all the family pictures on the piano or all the “stuff” stuck to the front of your refrigerator. Your objective is to change the view of the house from the sellers “lived in home” to the buyer’s “ready to move in house.”
4. Failure to use neutral colors when painting both inside and outside.
While the seller’s favorite colors may be the exact complement to their living style, the shades and hues may be a complete distraction and turn-off to the buyers. Their favorite wall paper may not be on the buyer’s “best” list. The best way to present a home is for the wall colors to be painted a neutral color. This goes for the outside as well – a loud or non-neutral color may just keep the buyers from even stopping to see the inside.
5. Failure to spotlessly clean the windows and window coverings.
Nothing is more distracting to a buyer than to be looking at a view through a dirty window. This area, as in cleaning the carpets is best left up to the experts. The same can be said for the kitchen and bathroom counters and tile. A little investment here will pay big dividends … what you don’t see is often more important than what you do see.
6. Failure to make the pets disappear.
While pets are a loving member of the seller’s family, for the buyers their presence, food and boxes are generally a turn-off. Every trace of their presence should be removed so, once again, the buyers are not distracted from the prime objective – viewing the house in the best possible light.
7. Failure to spruce up the number one calling card – the landscaping.
A healthy, neat, trimmed and well maintained yard and flower beds are the keys to getting the buyers up to the front door. The last thing they want to see is the seller’s “stuff” all around an uncut and untrimmed lawn. A little effort in this area with perhaps the help of a professional gardener will pay big dividends. A well maintained exterior sows the seed of a well maintained home in the mind of the buyer.
Thomas M. Mitchell :
Tom is a seasoned professional in the real estate industry with extensive experience in the creation and development of offline and online courseware. He has wide-ranging 30-year background in all phase of the real estate industry. Tom manages the Home Staging Council, the Luxury Home Council and the RealtyU School Network, all part of the RealtyU Group of companies.
Topics: Home Improvement, Real Estate Citrus County, Real Estate News, Seller Information | No Comments »
Deed Restrictions Citrus Springs Florida
By Alison Markham, Broker-Associate, GRI, Realtor® | March 1, 2008
CITRUS SPRINGS PROPERTY OWNERS:
This Booklet has been put together for your convenience which provides you with the typical Deed Restrictions for residential homesites in the Citrus Springs community. Read the rest of this entry »
Topics: Deed Restrictions | No Comments »
Citrus County Home Sales Report February 2008
By Alison Markham, Broker-Associate, GRI, Realtor® | March 1, 2008
Click here to view Statistical Report of the Citrus County Realtors Association:
Citrus County Florida Real Estate Sales Report
Topics: Real Estate Citrus County | No Comments »
Now is the time to buy!
By Alison Markham, Broker-Associate, GRI, Realtor® | February 27, 2008
How to Counter Florida’s Real Estate Critics
Now is the time to buy!
“Nobody is buying homes anymore.”
Nationally, 2007 was the fifth-best year of sales in U.S. history, according to Lawrence Yun, senior economist, National Association of Realtors® (NAR). “Now that mortgage conditions have improved, some postponed activity should turn up in existing-home sales over the next couple of months, and I expect sales at fairly stable to slightly higher levels,” he says. NAR statistics indicate existing-home sales for 2007 will probably total 5.66 million, rising to 5.70 million this year and 5.91 million in 2009. In Florida, approximately 160,000 existing homes and condominiums were purchased during the first 11 months of 2007, according to FAR statistics. That’s a decrease from the market’s peak in 2004-05, but still a healthy level of activity (http://www.realtor.org/press_room/news_releases/2007/nar_puts_housing
“Home prices will only go lower.”
The housing market is not having a “going out of business” sale. While some sellers are cutting their prices, others are not. In fact, FAR statistics show just a 5 percent statewide decline in home prices and a 3 percent decrease in condo prices over the past year. Historically, a rapid jump in home prices has been followed by a period of stability, not decline. “In Florida, residential prices shoot up quickly and then stabilize,” says economist Hank Fishkind, Ph.D. of Fishkind & Associates, Inc., Orlando. “Even when there is excess supply, prices don’t tend to come down.” (http://media.floridarealtors.org/statistics/statisticsfull.htm)
“Renting makes more financial sense.”
For someone who plans to stay put more than two or three years, home ownership usually makes more sense financially. The key benefits include annual tax benefits, “forced savings” from paying down the mortgage and potential appreciation in value. “Owning a home is one of the best builders of wealth,” says Todd Nordstrom, a sales associate with Esslinger Wooten Maxwell, Miami Beach. “There is a huge difference in net worth between renters and owners.” In fact, the most recent Federal Reserve Survey of Consumer Finances shows the median net wealth of a homeowner household is $171,700 compared with just $4,800 for a renter household. (http://www.realtor.org/PublicAffairsWeb.nsf/Pages/TPHousingasanInvestment)
“Historically, home values don’t rise.”
Think back to what your parents paid for their homes, and it’s clear that residential values have increased substantially over the years. Nationally, home prices rose 88 percent from 1995 to 2005. “Historically, home prices rise 1.5 to 2 percentage points faster than the rate of inflation, says David Lereah, NAR’s former chief economist. In Florida, the median sales price for existing singlefamily homes in November 2007 was $215,800 – a 52.5 percent increase over the five-year-period since November 2002, according to FAR records. (http://www.realtor.org/home_buyers_and_sellers/buy_now_talking_points.html)
“Mortgage money is scarce.”
Lenders today are ready, willing and able to provide mortgages to qualified Florida buyers, according to professionals around the state. “As long as you have at least 5 percent down on a first-home mortgage, you can get financing,” says Kathy Lollis, a sales associate with Century 21 First Realty, Tallahassee. In addition, there are special programs for firsttime buyers that require even smaller downpayments, such as a 3 percent FHA guaranteed loan. “In the move-up market, there are plenty of banks ready to make loans to owners who have made their monthly payments on time,” adds Lollis. “Overall, there’s an abundance of mortgage money available today.” (http://www.hud.gov/buying/loans.cfm)
“It’s hard for someone with bad credit to get a mortgage.”
A buyer with bad credit can still buy a Florida home using a larger downpayment. Lenders have tightened their rules but are still willing to make loans to all types of buyers. “It’s important to remember that buyers with bad credit are only about 5 percent of the total mortgage market,” says Randy Martin, a sales associate with RE/MAX 200 Realty in Winter Park. “If you can put down a significant downpayment or document your income, you can still qualify for a home loan.”
“Mortgage fraud is widespread, making lenders more cautious.”
Even though mortgage fraud was widespread during the recent U.S. boom market, that’s not the case today. “As home prices stabilize and sales volumes return to more normal levels, lenders are doing a far better job in analyzing mortgage applications,” says Tony Garcia, a district sales manager for The Keyes Company’s Homestead and Florida Keys branches. “They have put the brakes on fraud, while continuing to issue loans to qualified buyers.”
“Home prices in Florida are too high.”
From Key West to Pensacola, Florida offers a vast array of homes and condominiums at almost any price imaginable. While luxurious oceanfront residences can easily cost $1 million or more, most Florida communities offer homes at highly affordable prices. In fact, Florida homes remain a bargain for buyers from major U.S. metropolitan areas, Europe, Latin America and other world markets. “There are amazing opportunities for purchasing homes in Florida,” says Maria S. Wells, brokerowner, Lifestyle Realty Group, Stuart. “In many areas you can’t possibly build a new home for what you can purchase in a resale. Now is the time for buyers to get a Florida home for a terrific price.”
“Nobody is moving to Florida anymore.”
That’s simply not true. Florida continues to benefit from an incoming population flow that includes both U.S. and international migrants. While population projections vary, economist Hank Fishkind expects Florida will add about 265,000 new residents in 2008. That’s down from 418,000 in 2006 and 303,000 in 2007, but Fishkind expects the state’s population to rise by 288,000 in 2009 and 332,000 in 2010.
“First-time buyers are being priced out of the market.”
First-time buyers can purchase modestly priced homes and condominiums throughout Florida. Many lenders also have special mortgage programs for firsttime buyers with low downpayment requirements and reduced interest rates that cut monthly payments. “I just sold a home to a teacher with limited income who received a 30-year fixed-rate mortgage for under 6 percent,” says Teresa Dyer, broker- owner, Realty One in Panama City Beach. “It was very easy to get her into the home she desired, and the bank was very supportive.”
“Retiring Baby Boomers have no retirement savings, so they will be forced to sell their homes at bargain prices.”
Like every generation, the Baby Boomers vary widely when it comes to savings: wealthy, moderate and none at all. However, there is no evidence that the Boomers are going to sell their homes at bargain prices, regardless of their level of savings. “The real situation is that many Boomers built up substantial equity in their homes in the past decade,” says Phil Wood, president, John R. Wood Realtors, Naples. “They do not want to give that equity away when they know that better times will be back in the near future.”
“Inventories of unsold homes will only get larger.”
Inventories of homes and condominiums for sale have stabilized in most Florida markets. While the number of homes on the market remains substantially higher than during the peak years of 2003-05, there is no evidence that inventories will increase in 2008. In fact, the inventory totals today include many homes offered at yesterday’s higher prices. “Don’t let the inventory numbers fool you, because they seem worse than they actually are,” says Lynn Savits, a sales associate with Coldwell Banker’s Aventura office. “When you subtract the homes that are overpriced in today’s market, the actual number of active listings is much smaller.”
Source: Richard Westlund, a Miami-based freelance writer.
© 2008 FLORIDA ASSOCIATION OF REALTORS®
Topics: Real Estate Citrus County, Real Estate News | No Comments »
ISSUE: 2009 County Commission vote will determine parkway future.
By Alison Markham, Broker-Associate, GRI, Realtor® | February 26, 2008
By Chronicle
After 14 years of discussion, planning, public meetings and design, the long-delayed Suncoast Parkway extension through Citrus County is moving toward a final decision in 2009.
The decision will be made by the Citrus County Commission, which is expected to vote yes or no on the project in mid-2009, when the project design will be 60 percent complete. This vote is a statement of whether the project has public support in the county and is a requirement for moving forward with construction.
By the time the commission votes, millions of dollars will have been invested in the project, but the project could die with a simple majority vote against parkway expansion.
Commission approval is one part of a long, convoluted process for approving an expansion of Florida’s turnpike system. The process involves establishing a need for the road, a determination that it can be done in an environmentally sound manner, that it is financially feasible, and that it has local support.
Like any infrastructure expansion, the Suncoast Parkway has gained its share of detractors and it has engendered emotional debate about the impact of the project on the quality of life in the county.
Despite opposition to the parkway expansion among some in the community, extending the toll road through Citrus County is important for safety during an evacuation for hurricanes or other natural disasters, it is important to prevent the negative environmental impact of further widening and expanding U.S. 19, and it is important for county residents who would otherwise have to pay for additional road expansion within the county.
As the race for three seats on the five-member commission moves forward this year, one issue voters should consider is the stand candidates take on expansion of the parkway. The commissioners we elect this fall will make the decision on whether this important infrastructure expansion continues or dies.
We have long said that we do not want our community to have the congested development along U.S. 19 that is found south of Citrus County, but if our commission fails to support the parkway next year, that could well be the fate of the strip of highway from south of Homosassa to north of Crystal River.
Development is coming to our community. The real question is whether we will be prepared with the infrastructure to support that development, or whether we will choke on our own congestion and by default become the New Port Richey-type community we all want to avoid becoming.
Topics: Real Estate Citrus County | No Comments »
Taxpayers will have to file for new benefits
By Alison Markham, Broker-Associate, GRI, Realtor® | February 25, 2008
Taxpayers will have to file for new benefits
By Jim Hunter
Homeowners currently receiving the homestead exemption will not have to do anything to receive the benefits of the new, second $25,000 homestead property tax exemption that passed in Amendment 1 on Jan. 29.
The $25,000 tangible property tax exemption, however, will require the filing of forms by April 1 of this year.
Existing homesteads
Current homesteaded property owners will automatically be credited with the new exemption for 2008 (Remember, taxes are paid at the beginning of the year for the previous year). The owners should remember, however, that the exemption is on the third $25,000 of assessed taxable value, which means about 11,500 homesteads in the county, assessed at less than $50,000, won’t qualify for the new exemption.
They should also be aware the school board portion of homeowners’ property tax bills are not subject to the new $25,000 exemption, and the school board taxes are approaching half of the property tax bill in Citrus County. That means the taxpayers won’t see a full double exemption with the new $25,000.
The average homesteaded taxpayer likely will see from $240 to $250 in savings, but the amount will vary with the assessed value. Taxpayers also should be aware that the state has set the Save Our Homes cap increase at the full 3 percent for tax year 2008, so they will see that increase in assessed value, according to Citrus Property Appraiser Melanie Hensley.
Further, it has been pointed out by many, Amendment 1 does not prohibit the local government from raising the millage rate. The county and cities soon will begin developing their
budgets and millages for 2009 and will finalize them in September.
Save Our Homes portability
A second benefit for homesteaded property owners that passed in Amendment 1 was the portability of the Save Our Homes tax cap. The Save Our Homes provision has allowed home-steaded owners to enjoy protection against increased assessments, holding them to the cost of living index and no more than 3 percent, something which has helped millions keep their taxes down as property values soared between 2004-06, resulting in higher assessments.
The portability element of Amendment 1 will allow homesteaded owners to take their ac-cumulated protection with them when they sell their home, to a new homestead. They can transfer up to $500,000 of assessed value protection. If the assessed value is different from that of their former home, the protection is transferred proportionally.
Homesteaders who sold in 2007 and bought another home in 2007 they are using as their primary residence ? and which they occupied by Jan. 1, 2008 ? can apply for the portability protection for tax year 2008. They must apply for a new homestead exemption and with the appropriate portability form, however, by March 1, 2008, which is the deadline for homestead filing.
If they had bought a new home in 2007 and had already applied for their new homestead exemption for 2008 before the passage of Amendment 1, they must reapply for the homestead with portability protection.
For those moving to or from Citrus, there is also a form available at the property appraiser’s office or on a state Web site that must be used if the new home is in different county from the old home.
Hensley stressed that homeowners in doubt of their status should contact her office be-fore the deadline, which isn’t flexible and could make the difference of them getting the exemption for 2008.
As for those who have sold their homestead in 2007 or 2008 or who are planning on selling this year, if they buy another home in 2008, occupy it in that year and apply for homestead by March 1, 2009, they will be eligible for the portability of their accumulated protection, starting in the 2009 tax year.
Going forward, the tax cap benefit will be available to those who sell their home and buy another within two years.
Tangible Tax exemption
In Florida, businesses pay a tangible tax on the equipment they use in their operations and stores (mobile home owners also pay on attachments to their homes). The new $25,000 tangible tax exemption will be available to them for the 2008 tax year, but the taxpayers must file the appropriate form with the Property Tax Appraiser’s office by April 1, 2008.
The portability form was still in draft form at the Florida Department of Revenue last week, but was expected to be finalized by Monday, and available on that agency’s Web site or at Citrus County Property Tax Appraiser’s office in Inverness or Crystal River. It can be viewed at the site where it will be available online at: dor.myflorida.com.
Non-homestead tax cap
Amendment 1 set a 10 percent tax assessment increase cap for non-homesteaded property, and the taxpayer must apply for it, but it does not take effect until tax year 2009. That means it will not apply to tax year 2008, and so taxpayers won’t need to apply for the current tax year.
Hensley said she does not see any tax increases on non-homestead properties being as high as 10 percent for the current tax year, and so the benefit would not be of use in Citrus County for 2008 anyway.
Going forward, however, taxpayers who want the protection of the cap for 2009 and after that will have to apply. Because state officials have been concentrating on the 2008 issues, the forms have not been developed and deadlines for filing them have not yet been set.
Info on the Web
There is a large amount of supporting material on the state’s Department of Revenue (DOR) Web site about the tax exemptions at: dor.myflorida.com.
There is also an explanation on the Citrus County Property Appraisers office Web site, www.pa.citrus.fl.us. The forms will be available at the Inverness or Crystal River property appraisers office or on the DOR Web site.
Topics: Real Estate Citrus County | No Comments »
How Much Is Your Home Worth?
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
The correct selling price of a home is the highest price that the market will bear.
To assist you in determining the correct asking price we provide you with a comprehensive market analysis of comparable properties sold and offered for sale in your neighborhood.
There are scores of Internet Website which coax you to fill out a form for a FREE Market Analysis. This can NOT be done by phone or internet. These sites are only out to collect your personal information.
It’s FREE and there is no obligation, so let a professional meet with you to accurately evaluate the exact market conditions in your neighborhood in general and your home in particular.
Alison Markham, GRI, Realtor®/Steven McClory, Realtor®
Our Phones Are Always On!
EXIT Realty Leaders, Lic. Real Estate Broker
730 N Suncoast Blvd Crystal River Florida 34429
- Toll Free: 1.866.795.3396
- Alison: 1.352.697.0761
- Steven: 1.352.422.3998
- Office: 1.352.794.0888
Topics: Real Estate Citrus County | No Comments »
Don’t Flush Bathroom Renovation Dollars Down the Drain
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
Looking for bathroom bliss? You’re not alone. Bathroom renovations consistently score as one of the most-desired home improvements. Improving your bathroom will not only add to your own enjoyment of your home, but it can increase its value and make it more attractive to potential buyers if you choose to sell your home.
However, you need to take the time to make sure you are getting the bathroom you want. Bungled bathroom renovations can cost you big time – in frustration, value and repair dollars. “The bathroom is no place for novice do-it-yourselfers,” says Paige Thomas of ReliableRemodeler.com, an online service that helps homeowners connect with qualified contractors in their area. “Finding the right contractor for your remodel can mean the difference between a bathroom renovation that leaves you flushed with pride, or one that sends your spirits – not to mention your investment – down the drain.”
Before you take out the toilet, scrap the shower, or dump the sink, keep the following bathroom renovation secrets in mind:
* Any improvement can add value. Simply switching faucets, upgrading lights and installing new towel bars can give the room a whole new look. A fresh coat of paint and re-grouting existing tile can also work wonders.
*Check out all your options. Replacing everything in your bathroom may not always be an option within your budget, so be sure to check out the numerous alternatives available for bathroom renovations. For example, if you hate your tub or shower, but totally replacing it isn’t in the budget, there are a number of surrounds and coverings that can now be installed right over the existing tub or shower. These kinds of alternatives can save you time and money.
* Natural stone is the new luxury bathroom material. For a really upscale look, granite, slate, travertine and other natural stones evoke the look of a luxury spa. The spa look is currently the hot design trend for baths. Using natural stone as an accent will make your bathroom an example of up-to-the-moment home remodeling looks.
* Discuss all the details. When you talk to potential contractors be sure to talk about every aspect of your remodel, especially about how long your bath will be out of commission. You want to make sure that you and the contractor you choose have the same ideas and plans so there will be no surprises or problems as the project goes on.
* Get multiple quotes. When looking for a contractor, get multiple quotes. Be sure to ask for multiple references and talk to former customers to see how quickly and with what level of quality the contractor completed the work. You will also want to verify their licensing and bonding.
Need assistance to start your bathroom remodel and find a local, quality contractor? Let ReliableRemodeler.com help! Submit a request online for your remodeling project and a project adviser will contact you within 24 business hours to verify receipt of your project request and clarify any further details. Up to four member contractors will contact you within 48 business hours to schedule a free estimate on your project. A project adviser will follow up with you to make sure you are satisfied with the service you received. Finally, you decide on the contractor that’s right for your project and get started!
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Planning Your Dream Home
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
(ARA) – Choosing to build your dream house is a major financial investment. Your home should be your haven, providing both the functionality you need and the atmosphere you want at a price you can afford. To achieve the house of your dreams take the time to plan and evaluate your specific wants and needs before you rush into choosing the final design for your new home.
Building a custom home from scratch rather than choosing a pre-built home gives you the opportunity to create your own unique retreat from the outside world. You’ll have the opportunity to either create your own house plans or modify existing house plans to suit your tastes. Hiring a professional builder or architect can simplify the planning process and ensure that your new home is exactly what you want.
As you’re searching for house plans you’ll want to consider more than just the looks and layout of the rooms. You’ll want to make sure that all the aspects of your home reflect your personality and are thoughtfully designed. For example, if the environment and energy efficiency is important to you, you’ll want to consider the layout of your heating and cooling system, your plumbing system, and your electrical system so that is will be as streamlined, and green, as possible.
Using house plans that have all the hidden systems of your home strategically designed can save you money during the course of your home ownership. Finding a local builder to help plan these systems is always a smart choice. A professional builder will know tricks of the trade that many homeowners might not have considered. For example, creating house plans that have the bathrooms and kitchen located in close proximity to each other can save you lots, not only with the cost of materials, but in what it costs to provide hot water to each room as well.
Considering your daily routines and lifestyle can help you make smart design choices for your custom home plans. Where do you currently spend the majority of your time? Do you find yourself constantly in the kitchen, family room, or living room? Do you need space for a home office? Are you into fitness? An exercise room would be perfect. Perhaps you want to turn your master bedroom into your personal retreat. Whatever your preferences, make sure the house plans you choose accommodates your lifestyle.
You’ll also want to consider the exterior of your house plans in the same way. If you and your family spend a lot of time outdoors, you’ll want to make sure there are plans for porches, decks, patios and other structures to give you the function and style you want outdoors as well as inside.
Choosing the architectural style of your home is an important consideration as you review house plans. Again, don’t just settle. Make sure the choice you make suits your tastes and budget.
To get started designing your dream home with local, quality builders and architects visit ReliableRemodeler.com.
Copyright © 2008, ARAnet, Inc.
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Use Artificial Plants to Achieve Feng Shui When You Redecorate
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
Redecorating your living space for comfort and style can be challenging — and fun! Decide on a lamp, a rug or a piece of art to complement your dĂ©cor, but how do you decide? To create a look that’s your own, with a peaceful energy flow and warm, appealing comfort, consider feng shui to help you redecorate.
The concept of feng shui (pronounced fung shway) is the ancient Chinese practice of achieving harmony with the environment through the design and layout of space. It’s an easy way to achieve a fresh change of your living area to suit you personally.
As part of the feng shui doctrine, adding new decorative items to your home that represent life, whether with a plant or an animal picture, helps to create a calming, tranquil atmosphere. But if you are hesitant to use real plants because of the work involved, consider an exquisitely made silk plant. They never need water, aren’t messy and always look great.
“Many people shy away from using living plants in their decor, claiming their lack of a green thumb results in unhealthy and dead plants. For these people I recommend using life-like or ‘live looking’ fake plants,” says Joyce Hyde, feng shui consultant. “Attractive, good quality silk plants are available in retail outlets in a wide variety of styles … their vibrant green color that symbolizes life, growth and health can transform a dull, lackluster space into a warm and inviting one.”
Established in 2001, Nearly Natural of Miami grew out of a few companies started by one family. Henry Friedman, grower consultant, renowned horticulturist and grandfather, entered the plant industry in the 1940s.
Following in his footsteps, daughter Anita Singer, creative director and vice president of Nearly Natural, started a wholesale live plant business in the early 1970s. From a greenhouse in her backyard, she sold to florists and business offices. When a client wanted to buy artificial plants, Singer began designing and selling silk ones.
Directly imported from Asia, the stems are high quality and look remarkably like real plants and flowers. The designers then fashion arrangements to create different looks — Asian, tropical or traditional — to complement any dĂ©cor you have.
“Working in the dirt with my father taught me about plants,” recalls Singer. “So now I’m very particular in the choices and types of silk plants I purchase. They must look and feel very real; and be beautiful in their foliage — I look at their color, stems and spots. They must be very close to the real plant.”
The designers are all experienced horticulturists and able to duplicate them with surprising accuracy. “We do bother to look for the most realistic looking silk plants out there, and along with that, we offer the best, very competitive prices,” she says.
Between their experience in the industry and the high quality of their product, Nearly Natural creates charming and beautiful decorating pieces for the home and office that you can feel good about. And they’ll make your environment feel better, which is key to living comfortably.
Nearly Natural has a two-day guaranteed ship time from the time you order and a no questions asked return policy. To order a beautiful silk piece for your living space, visit www.nearlynatural.com.
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Need Help Finding a Qualified Contractor?
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
Now that spring has arrived, a lot of people are itching to get started on their home improvement projects. Maybe you want to do a kitchen remodel, you need a new roof or want to improve your home’s curb appeal with some new paint and landscaping.
These are all projects you’d likely have a contractor do for you, but where do you find a good one? Instead of making dozens of calls, then waiting hours or days for someone to call you back with a quote, speed things up with the help of the professionals at RenovationExperts.com. The Web site offers home owners access to pre-screened contractors who want to do business with you.
All you have to do is log on to the site, fill out a quick online form describing the work you need done, and up to four contractors who do business in your community will get back to you with quotes, usually within 24 hours. Best of all the service is totally free.
Karen and Craig Anderson of Shorewood, Minn., turned to the site for help after their attempts to find a contractor for their kitchen remodel project through conventional means failed. “We were amazed,” says Karen. “I had sent in the request just before dinner. While we were eating we received a phone call from a contractor, and after dinner I checked my e-mail and found quotes from 3 more. We called all four and decided to hire JPA Construction.”
The company’s owner, James Arnold, did the majority of the work the couple needed done himself. He removed an old floor and replaced it with a new sub-floor and porcelin tile, and raised the counters up and installed a new granite countertop and tiled backsplash. “We liked his work so much we asked Mr. Arnold to leave a few business cards when he was done,” says Karen.
James Arnold says the best thing about his association with RenovationExperts.com is the site sends him qualified leads. “We do just about everything — new homes, remodels, additions, kitchen remodels –and it would cost way too much to advertise in all the venues we want to reach. Working with
RenovationExperts.com offers us the opportunity to reach a wide variety of customers through a single venue.”
In addition to serving as a way for contractors and potential clients to connect, the site also features online calculators homeowners can use to get an idea of how much their projects will cost, and a collection of articles containing useful how-to information.
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Find a Contractor and Create the Custom Kitchen of Your Dreams
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
Creating a custom kitchen in your remodeling or new home plans is a major task. A custom kitchen requires careful planning of many details in several different areas. Getting started begins with taking what’s in your head and putting it onto paper. It needs to meet all the possible uses you may have for it. This will include activities such as cooking, dining, and socializing. Considering your home’s style along with your budget will also help you establish a plan.
While this may sound like a large order, a thorough plan can ultimately bring you the results you want. Begin by browsing and saving ideas from magazines, the Internet and any other resources you find appealing. Start a file to save all the pictures and specifications as well as all the cabinet, appliance and flooring information.
It’s a good idea to establish a budget (how much you’re willing to spend) before you actually have the plans drawn. Without this kind of planning, you may have major expense surprises in the middle of building your kitchen. As you budget, the goal is to spend your dollars on what is important to you
Once you’ve gathered enough ideas and information, and established a budget it’s time to begin planning your custom kitchen.
Custom Kitchens
Every kitchen must begin with a floor plan. This floor plan must set the “triangle” of your kitchen. The kitchen triangle is composed of three work areas: food storage, food preparation and clean up. How these areas are designed and placed in conjunction with each other sets the stage for the functionality of your kitchen.
Combine a well-drawn plan with styles and accent pieces to display your own unique style and tastes and your custom kitchen will become a successful reality.
Many Internet sites offer virtual planning that allows you to construct an image of your proposed custom kitchen designs. By creating more than one plan using these virtual designers, you get great opportunities to compare, evaluate and combine solutions to create near perfect custom kitchens. It will also allow you some time to look at what you’ve created so you have exactly what you want before your construction begins.
Finding the right contractor for your project and communicating your plans ensures the contractor understands your needs, style, and desires before the project starts. It will also help you get both accurate pricing and a better estimate of the project timeline from your contractor and will minimize any problems that may arise during the construction phase.
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Home Remodeling: Go Green without Breaking the Bank
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
If you’re planning any type of remodeling project, keep in mind that it’s easier than ever to go green in the world of home improvement. Not only is it hip to be green but environmentally responsible building practices can save you money in a number of ways, including your energy and water utility bills. Contrary to popular belief, many green building techniques will not significantly increase the cost of your home improvement project.
While some of the most cutting-edge sustainable architecture and design can cost more, many green techniques are more mainstream, costing less than most homeowners might assume. You’ll want to find a contractor who shares your vision for adding green additions to homes and brings ideas to the table to achieve it. ReliableRemodeler.com can help you find quality contractors for your green remodeling project.
Here are some ways to go green without busting your home improvement budget:
* Increase energy efficiency – New windows reduce energy use. Many window manufacturers are now making ultra-efficient windows that can significantly reduce heat loss in the winter and sun glare that spikes cooling bills in the summer. Equipping your home with the most energy efficient windows you can afford now will let you save on energy bills in the future.
* Reuse materials – Salvaged building materials can help reduce the cost of home remodeling projects on your home and have less impact on the environment than new materials. In many cities, rebuilding centers collect and offer for sale used, but still usable, building materials. Using salvaged building materials will help keep those items out of landfills.
* Conserve water – If you are thinking of changing the landscaping around your home, keep water conservation in mind. Look for hardy plants and grasses that require less water, even if you live in a wet climate. Using these types of plans means you’ll water less, which not only reduces your utility bills, but it’s good for the environment as well.
Homeowners today have more options than ever before for going green. It’s possible to grow your home without sacrificing your environmental conscience. To find qualified local contractors for your green home addition, visit www.ReliableRemodeler.com.
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How to Find a Kitchen Contractor You Can Love
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
If home is where the heart is, then the kitchen is the room where the pulse of the home beats strongest. Social hub, homework center, impromptu office, decision-making nerve center – the kitchen fills many roles beyond just a place for food preparation.
That may be why a tired, outdated kitchen can be a heart-breaker for the homeowner – and a deal-breaker for prospective buyers. And it probably explains why kitchens are the most frequently remodeled rooms in American homes.
Even just a minor kitchen remodel returns nearly 100 percent of your investment, industry statistics show. A major remodel returns over 90 percent of your investment at resale. The kitchen is not just where the heart is, it’s also where smart homeowners invest their money.
With kitchen renovations averaging $17,000 for small jobs and $43,000 or more for major projects, it doesn’t pay to go cheap when hiring a contractor. Sure, you can save money by trying to do it yourself – or by hiring well-meaning friends and relatives. But the risks, not to mention the duration of the project, increase exponentially when the work is not being done by qualified professionals. Few homeowners are equipped (or have the experience necessary) to handle installing high-end enhancements popular right now, such as glass backsplashes, stone countertops and under-mount sinks with designer faucets.
Hiring a professional, certified kitchen contractor can save you money in the long run by ensuring the job is done right the first time. Contractors will also know where to secure the best materials for the best prices, will be up to date on remodeling trends, and will understand all local building codes and regulations.
There are four steps for finding a kitchen contractor you can love – and trust with the heart of your home.
1. Seek – Word of mouth is a great way to find a contractor, but there are other valuable resources that can help if you don’t know anyone who can make a recommendation. Online referral services like ReliableRemodeler.com can help you match your project with local professionals.
2. Meet – Once you’ve identified three top candidates, meet with each. These guys will virtually live with you while the remodel is under way. It’s important that you not only trust them professionally but like them personally. During the interview be clear about your vision, goals, and budget. Communicate your expectations and put everything in writing for each contractor you interview.
3. Check – Talk to references and visit projects they’ve completed. Check credentials to be sure the contractor holds all required state and local licenses, and is insured and bonded.
4. Choose – With written bids in hand, it’s time to make a choice. Don’t rush to accept the lowest bid. Tempting as it may be, it may not be the right one for you. Likewise, the highest bid may not mean the best quality work. Extreme bids – high or low – may mean the contractor is inexperienced, or worse, dishonest.
Don’t allow any work to start without a written contract signed by you and the contractor. The contract should include the bid amount, scope of the project, timeline, how changes will be handled and a payment schedule. Keep a punch list of items that need to be finished or redone and don’t make the final payment to the contractor until the work is finished to your satisfaction.
To find the right kitchen contractor for your project or to learn more about remodeling, check out www.reliableremodeler.com.
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New Home Windows Add Value and Decrease Energy Costs
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
If high heating bills and mystery drafts are causing a chill in your love affair with your home, it may be time to consider replacing your windows.
The government system for rating energy efficiency of home products, ENERGY STAR, reports that average homeowners spend nearly 50 percent of their yearly energy costs to heat and cool their homes. Windows that are old, worn, faulty or have a low energy-rating do a poor job of keeping warm air inside in the winter and cool air inside in the summer.
Installing new windows can do wonders for your home on many levels, from improving energy efficiency and curb appeal, to boosting resale value. But window installation is a major project, and not within the abilities of your average do-it-yourselfer. When it comes to window replacement, it makes sense to have the work done by a professional.
If you’re thinking about hiring a contractor to install your replacement windows, consider the following:
* Set a budget. Educate yourself thoroughly on what’s available and comparison shop for the best price. This will help ensure your budget can cover the project cost.
* The style and materials you want. You have lots of choices when it comes to new windows, so make sure you have a good idea of what you want before you meet with a contractor. The more specific you are in communicating what you want to a contractor, the more accurate his estimate will be.
* Get at least three quotes. You want to make sure you are choosing the right person to do job for you, so meet with more than one contractor. Give each potential contractor the same specifications. This will help you compare the bids they submit.
* Compare quotes. Compare prices, quality of materials and timeline from each bidder. Don’t hesitate to ask questions on anything that seems unclear. Make sure all your questions are answered from each contractor before you make a final decision.
* Get a contract. Decide on a contractor and get a written contract that describes everything in detail. Once it’s down on paper and signed by both parties there’s no disputing what the original agreement contained.
Where can you go for online contractor referrals? Log on to www.ReliableRemodeler.com and describe you home improvement project. Within 24 business hours, you’ll be contacted to verify receipt of your project and to clarify any further details. Up to four pre-screened professional contractors will contact you within 48 hours to schedule a free estimate on your project.
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Live Your Dream: Custom Home Design Tips
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
(ARA) -The one thing better than buying a brand new home for you and your family is having a brand new home custom built. A custom built home gives you the satisfaction of knowing that your new home has been tailor-made to meet your needs, desires and lifestyle. In short, building a new home means that you get to create your dream home.
Yet, building a custom home has its challenges. It doesn’t pay to try to cruise through the experience. The more involved you are in the design and planning of your custom built home, the happier you will be with the finished product. It will also be important to find a reputable custom home builder you like and trust.
Start the process of building your new home by working on an overall idea of the kind of house plan you want. You can even draw some rough sketches of what you have been thinking of. Even though your rough drawing won’t be a technically useful document for your architect or builder, it will help give them an idea of what your dream house should look like.
Think carefully about the interior design of your home. What elements can’t you live without? What things would you like, but aren’t necessarily vital? Even though you are building your dream home, your budget may not allow for every luxury you imagine. You’ll have to pick and choose the elements that are most important for you.
If you’re planning to live in your new home for many years, you’ll want to consider your future lifestyle as well as your current one. Will your family grow in the coming years? While you might want bedrooms for small children close to your master bedroom, it’s likely you’ll feel differently when the kids are teenagers and blasting loud music in their rooms. Carefully consider the size, placement and function of all rooms, including bedrooms. It’s always important to evaluate the functionality and overall usability of the layout of your new home.
As you are finalizing plans with your architect and builder, be sure to speak up about your opinions before the building starts. If you’re not happy with something you should say so. It’s much easer to start with a design you love than to live later with a house that aggravates you on a day-to-day basis.
Taking an active role in designing your custom home will ensure the end result is a dream house and not a nightmare. To find out more about custom-home building, and to find a builder in your area, visit www.reliableremodeler.com.
Copyright © 2007, ARAnet, inc.
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Tips for Hiring a Painting Contractor
By Alison Markham, Broker-Associate, GRI, Realtor® | February 20, 2008
(ARA) – Painting is one of the most popular home improvement projects you can undertake, but it can be more difficult than you might think. Whether you’re planning an interior or exterior painting project, hiring a painting contractor will save a lot of time and energy in the long run.
Before you hire a painting contractor, there are some things you should take into consideration:
* How long has the contractor been in business? There can be a high turnover rate in the painting industry. Be sure to hire someone who has been operating for at least two to three years.
* Are employees experienced painters? Make sure the company hires skilled workers. Ask what training or qualifications they have.
* Does the contractor have insurance? It is absolutely critical that they have the necessary insurance. A reputable, licensed painting contractor will have coverage. Remember, it protects him and any workers he may have on site, as well as you.
* What kind of preparation work does the painting contractor do? A cheaper job will skimp on the prep work to cut corners. A good contractor will take the time to do everything the way it should be done. The workmanship will show in the end, good or bad.
* Can they provide a list of references? Once you have the references in hand, call them.
* Can the painting contractor make recommendations on what materials will work best for your project? A professional keeps up-to-date on the latest products and techniques, makes suggestions for colors and finishes, and is knowledgeable about the latest trends. Experience counts.
* Make sure they put everything in writing. A professional provides customers with written contracts and specifications.
* Will they offer a maintenance program? Some will, it’s worth asking.
* How much do they charge? Getting the lowest price should not be your first consideration. You want to get someone with skill, experience, insurance, awareness of safety issues and good workers. That will not likely be the guy with the lowest bid. It doesn’t need to be the highest bid either. Just be sure not to hire on price alone. Look at the whole picture. Painters operate on very tight profit margins. Some homeowners hire college students and are happy with the work. If the price seems too good to be true, however, it probably is.
Now that you know how to look for a good contractor, where can you go to find one? At RenovationExperts.com you can get free estimates from contractors in your area who are prescreened for experience, licenses and insurance.
Renovation Experts is a premium network of over 3,000 remodeling contractors, who carry out remodeling projects for any part of the house, from attic to basement.
Locate and hire a contractor, get an estimate for your project and do it with the peace of mind that comes with knowing you’re using professionals.
Log on to www.renovationexperts.com, describe your project and sign in. They will send you at least four possible contractors for the project within 48 hours. You decide who you want to use. There is no obligation — just competitive prices for you to get the job done right.
Copyright © 2007, ARAnet, inc.
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Citrus County Banks
By Alison Markham, Broker-Associate, GRI, Realtor® | February 16, 2008
Bank of America
450 SE Us Highway 19
Crystal River, FL 34429
(352) 564-2250
Orange Bank of Florida
1689 Se Us Highway 19
Crystal River, FL 34429
(352) 563-1645
Mercantile Bank
1000 Se Us Highway 19
Crystal River, FL 34429
(352) 564-8800
Wachovia Bank
1100 Se Us Highway 19
Crystal River, FL 34429
(352) 795-2265
SunTrust Bank
1502 Se Us Highway 19
Crystal River, FL 34429
(352) 795-8205
Regions Bank
1160 N Suncoast Blvd
Crystal River, FL 34429
(352) 795-3727
Centerstate Bank West Florida
954 N Suncoast Blvd
Crystal River, FL 3442
(352) 563-5662
Crystal River Bank
6901 W Gulf To Lake Hwy
Crystal River, FL 34429
(352) 795-0804
Colonial Bank
180 N Suncoast Blvd
Crystal River, FL 34429
(352) 563-1196
Compass Bank
2875 E Gulf To Lake Hwy
Inverness, FL 34453
(352) 560-4001
Colonial Bank
2709 E Gulf To Lake Hwy
Inverness, FL 34453
(352) 637-4741
Bank of America
2483 E Gulf To Lake Hwy
Inverness, FL 34453
(352) 726-2751
Wachovia
2437 E Gulf To Lake Hwy
Inverness, FL 34453
(352) 637-1121
Bank of Inverness
401 N Central Ave
Inverness, FL 34453
(352) 726-7991
Mercantile Bank
2080 Highway 44 W
Inverness, FL 34453
(352) 560-0220
Capital City Bank
101 S Highway 19
Inverness, FL 34450
(352) 795-6100
Regions Bank
800 W Main St
Inverness, FL 34450
(352) 726-1237
Centerstate Bank West Florida
151 E Highland Blvd
Inverness, FL 34452
(352) 860-0204
Bank of America
4395 S Suncoast Blvd
Homosassa, FL 34446
(352) 628-3354
Homosassa Springs Bank
4325 S Suncoast Blvd
Homosassa, FL 34446
(352) 628-3812
Regions Bank
4475 S Suncoast Blvd
Homosassa, FL 34446
(352) 628-0231
SunTrust Bank
92 Cypress Run
Homosassa, FL 34446
(352) 382-1990
Superior Bank
4556 S Suncoast Blvd
Homosassa, FL 34446
(352) 628-0009
Nature Coast Bank
Crystal River Branch
300 SE Highway 19
Crystal River, Florida 34429
Phone: 352-563-5505
Fax: 352-563-2051
Email: info@naturecoastbank.com
Topics: Citrus County Noteworthy, Real Estate Citrus County | No Comments »