The Florida Life style

Scottie-Pippens-home-fa908a-573x430The cost of homes in Florida keep rising as the demand if ever increasing. The primary reason for this demand increase is the horrible weather in NY, NJ, CT MI, Chicago and Ohio. The snow falls keep rising, the temperatures keep dropping and people are getting fed up with the cold, the dying car batteries and the freezing temperatures

Supply and demand take first seat and with Florida mortgages procedures limiting people to only buy what they can prove to afford the demand is now real and not artificial There is no such loan as a stated income loan where people can pretend to make something they don’t only to try and afford something they cant.

Loans are given on proven merit and houses are purchased only by those who can afford the payments. This is a good thing as it will ensure that the demand showing in the market place is real and that this is all sustainable. This will help jobs in Florida However the increase in residents is a bit scary given that the water supply many not accommodate the new increase in residents.

Many in Sarasota and manatee claim that there is not enough sustainable water supply for all the new residents, this could be a huge issue if this is a real claim.

Politicians or local govt, keep raising taxes to accommodate this new influx of residents as the infrastructure costs are rising. New roads, electrical grids, water supply and basic every day needs must be met.

So, in short, Florida is still the place to be as the weather is only second to California

So if you are looking for a home in Sarasota, a home in Bradenton do your homework. Make sure you will be able to find employed, unless retired as the industry here does not really accommodate a good paying jobs unless you are willing to go to Tampa or St. Pete making a commute which can be challenging.

An average house 3 bedroom and 2 bath is now around 250000 in a decent neighborhood. Lots are small and privacy comes at a premium as houses are built very close to one another to maximize the land for builders.

Pools are a added extra at around 30k or more if you want something fancy. So, thing long and hard if you can really afford the Florida life style. It’s nice but it does come at a price many can not afford.


Bradenton Air Conditioning Repair & Service Companies

Top Bradenton A/C Companies

There are many choices when it comes to choosing ac company. There is a lot of things to consider when it comes to the qualifications of the company you are looking to hire. In the Bradenton area there many air conditioning contractors to choose from.

The desire of this article is to point out some things that can help you decide the best choice for your air conditioning repair / service company.

There a few repairs that are fairly simple and most do it your selfers can do them. The capacitor is a common problem with the outdoor unit.  This is a rather simple repair and is located at the condenser outside once you take off the service panel.

If you are not someone who wants to attempt repairs on your own, then it will be a good idea to check out the Bradenton ac companies online.

Always make sure to do a background check on the company you are considering hiring to do your work. Make sure their employees are all certified to work on air conditioning equipment. You would be surprised how many are not. This could really backfire on you if you are not careful.

Some companies will charge a very low diagnoses fee just to get in the door, but beware, if the price sounds too low then you know there is something going on.

Also, make sure to ask how long they stand be their ac repairs, the average is 1 year. So be sure to go with someone who is at least going to stand behind their work for at least one year.

Here is a short video of our Bradenton air conditioning company of choice:

AC Repair Companies In Sarasota Area

There are a lot of companies out there to choose from in the ac and heating buisness. Some businesses have been around along time as other have not. One thing to consider when looking for a ac contractor is how long they have been in business as well as their better business bureau rating.

If you live in the Sarasota Florida area, then looking for the best Sarasota air conditioning company can be quite a task.


Well for starters there are over 400 licensed air conditioning contractors in the area. Also, unfortunately the populations consists of many older residents and there are companies that think they can get away with taking advantage of these people. Keep this in mind also, never do business with a ac company that telemarkets you for business. They have proven to be the shady contractors.

You can also the the better business bureau for ac companies.

Here you can find a list of contractors and their ratings. Typically you would want to stay with a “A” or better rating for a contractor. You can also get company background information about the company also.

It is recommended in the Sarasota area to keep your air conditioning system on year round even if you are planning to go away for an extended period of time. There are many folks that spend the summers up north to avoid the hot humid days in the summer time.

However keep in mind it is very important to not let the humidity levels get above 60 % or you could get some biological growth. growth

So remember, keep that system running or at least use a humidistat to keep the humidity under control.

If you have any doubts about the condition of your system, you will want to contact a ac contractor that does ac repair in Sarasota. The last thing you want to deal with is a broken down air conditioner in the middle of the summer!

Also it is a good idea if you are gone for long periods of time to have someone check in on the place once a week or so to make sure everything else is doing fine also.

So to recap, make sure you use a contractor that has been in business at least ten years, check their BBB status, make sure it is an “A” rating or better.  It wouldn’t hurt either to get some referrals from friends or neighbors as well.  Also ask the company if they background check and drug test all their employees on a national level. This may also help eliminate some of the bad companies as well.

Hopefully you have found this information somewhat helpful to you. This is some of the criteria I have used to find good, solid contractors in Sarasota, so I believe it will work for you as well.

Sarasota Mortgage Lending- Bradenton mortgage lenders

How to pick a mortgage lender in Sarasota, Bradenton, Manatee and beyond.

The first question people ask is how do I pick a lender? Here in  Florida the market is very competitive and naturally all the big banks and internet banks try to get their share of this market.  Internet banking or those people you see advertising out there are very scary to work with especially for the new borrower. I have had many borrowers tell me the horror stories so if you wish to use them, just make sure you know as much as they do as there is little in the way of accountability when there is just a voice on the phone who is usually half way around the country.

However, as a borrower, there are many things you need to think through before you simply take your realtors opinion to use their in house services.

First, is this your first loan and do you need a bit more help understanding all there is to understand? Are you a seasoned veteran and just want to get the lowest rate and don’t care about the service you get? What loan programs have they offered you and do you know which is best for you?

So many people think a 30-year fixed mortgage is the best mortgage on the planet, well it is not in most cases. Let me explain why. The average life a borrower holds the same mortgage is 4-7 years so why do you need a 30 year mortgage? I’ll be nobody discussed this option with you when you applied.

Why is this important? Well that’s easy, a 7 year ARM mortgage usually and I did say usually carries a lower interest rate. So if you only plan to be in the home 7 years or less, why would you pay a higher rate of interest on a 30 year mortgage? Answer, you did not know to ask.

I am a broker who understands this and wants to put you in the right loan. Most Sarasota lenders simply want to put you in any loan that suits them and not you. You need to know your options so you can make the best decision

Take a look at this page and see if you think I am the type of mortgage broker you want to work with?

I pride myself on doing what is right for you and giving you customer service when you need it. I have been lending or in the lending field for over 10 years now and I understand the difference between a seasoned veteran and someone who just doesn’t even know what to ask.

Do you know the benefits of a VA loan vs. an FHA vs. a USDA vs. a conventional vs. a Jumbo and what the difference between upfront mortgage insurance vs. lender paid and when either is applicable to you? If you don’t you need to.

Buying a home in Bradenton or Sarasota is usually a wonderful decision but the loan you get also weighs in to the overall outcome of that decision.

So find a lender who is willing to speak to you after 6pm when you are off work and will take what ever time is needed to help you any way that is needed. I think you’ll find all that when working with me.

Thanks for taking the time to read my post. Tom Russo

p.s. If you need a sarasota reverse mortgage, we handle those to, feel free to visit my sister site here.




Sarasota Florida -Financing common questions.

One of the primary questions people ask when applying for particular financing like a HECM is. Can I lose my house? The answer might surprise you. The answer is YES, but don’t worry it rarely happens and ONLY would happen if you don’t pay your taxes or insurance, making this type of loan really very safe.  So although it is possible, it rarely happens as most people pay their taxes and insurance.

Now, there is one other thing you should know that lenders definitely want you to keep your home in good repair. Does this mean you need to hire professions, no of course not, just keep it up like the average person and you’ll be good to go. Now, that you know this, one of your major reservations should be lifted so keep reading about the benefits these products offer.

Benefits, wow where do I start? Lets keep the first one simple. The number one reason seniors get a reverse mortgage is to climate their existing mortgage payment. Having that extra cash flow is usually a huge benefit as so many seniors live on social security or a fixed income. In many cases seniors often choose to take a income stream in the form of a monthly check.

Security is often another issue, enter in the FHA. This as you probably know is part of the US govt, also know as the Federal housing Authority and all reverse mortgages run through them. They have stringent rules to protect seniors and that is great.

More to follow in the days to come on why Reverse Mortgages are so great and how you can benefit from them in the next 30-60 days.

By the way, if you are in town and want the best Bradenton Pizza, check out my good friend Chris Graziano at D’Americos pizza.