CQB Show 5.15.18

Ruth Watkins, Mary Surnicki, Tom Goen Ruth - float vs lock Ruth knows small changes can occur anytime, so get locked in...rates fluctuate all the time, be ready to respond -watch value of bonds, rates respond to bond value daily -"alerts to lock" when factors indicate rates rising, make the move to lock -lenders use many gimmicks...we will pay your closing costs or offer a special dea -there are programs that Ruth can get you...where you get a 2% grant and 1% down to get to 3%... -make sure you have a personal relationship with your lender...Ruth often picks up broken deals and finds a way to get it done...your lender is a big bank, staff will change and new faces will not know your story, find local lenders __________________ Mary-before it starts raining everyday, call suncoast now, don't wait for leaks and roofing issues to arise -suncoast offers free estimates, insurance companies will drop you if your roof does not meet new codes, get ahead of the problem -shingle roofs are most popular in tampa, tile roof are most popular in st pete...lots of choices w colors, and each different type requires different install knowledge...metal roofs cost more, last longer -peel and stick has improved, it keeps water out...underlying material must be applied correctly -suncoast has expanded, new salesmen and labor...good staff makes all the difference -beware of companies that do not provide details...are the laborers that will do this work employed by you? not just contractors w different staff everyday -june 1 starts hurricane season, get your free inspection __________________ Tom-35 to 50 years is the expected lifetime of a seawall, when issues arise your entire property is at risk -rust, cracks, shifting tiles or pavers, pool cracks...all due to seawall failure -permitting is required before anyone can touch a mangrove or plant...don't just start removing plants around your seawall -let tom check your bids and advise you how to proceed with your seawall project