Selling St Pete with Nicole Saunches

What is the Sunrise St. Pete program, in one sentence? Sunrise St. Pete is a HUD-backed, forgivable down payment assistance grant of up to $80,000 for renters who lived in St. Petersburg during Hurricane Idalia or Hurricane Helene, designed to help them transition from renting into homeownership — including in flood zones.If you were renting in St. Petersburg during Hurricane Idalia or Hurricane Helene and assumed homeownership was out of reach, this episode is your reason to reconsider. Host Nicole Saunches sits down with Alexa Price of GO Mortgage — a lender who has spent three decades in the mortgage industry — to unpack the Sunrise St. Pete Homeowner Assistance Program, a HUD community development disaster recovery grant that offers eligible buyers up to $80,000 in forgivable down payment assistance.What makes this program different from typical down payment assistance? Two things. First, it's genuinely forgivable — not a second mortgage you start repaying immediately, but a 0% interest lien that's forgiven at 20% per year, disappearing entirely after five years in the home. Second, and unusually for a program of this kind, it allows buyers to purchase in a flood zone — something the earlier, similar Pinellas Recovers program didn't permit. In a city surrounded by water on three sides, that single detail opens the door to a huge share of St. Pete's housing inventory that would otherwise be off-limits.Alexa walks through exactly how the $80,000 figure is calculated (hint: it's tied to a front-end debt ratio between 35–37%, not a flat number everyone receives), who counts as a household for income purposes, how the program handles self-employed borrowers, and why there's no credit score minimum. She also addresses the biggest misconceptions buyers have — including why there's no pre-approval letter reserving funds, and why this program moves on a first-come, first-qualified basis.Beyond the program mechanics, Alexa and Nicole dig into the bigger picture for renters sitting on the sidelines: why waiting for interest rates to drop is a losing strategy in a market where 71% of buyers are doing the same thing, how seller-paid rate buydowns can offset today's rates, and why the lending environment today has nothing in common with 2008. If you've been told by a well-meaning parent or friend that now isn't the time to buy, this conversation is worth sharing with them too.Guest contact: Alexa Price, GO Mortgage — 727-409-3869 | [email protected] SHOW NOTES WITH TIMESTAMPS[00:00] Introduction — up to $80,000 available for St. Pete hurricane-impacted renters[00:01] Alexa Price's background: 30 years in mortgage lending, GO Mortgage branch in Palm Harbor[00:02] How Alexa connected to the program via the earlier Pinellas Recovers initiative[00:03] Grant structure explained: 0% interest, second lien, forgivable — not a typical repayable DPA[00:04] How the $80,000 figure is actually calculated (front-end ratio must stay between 35–37%)[00:05] How household income is determined, including minors and other household earners[00:06] What "0% interest, no monthly payment" means in practice[00:07] Forgiveness schedule: 20% forgiven per year, fully forgiven at year five[00:08] Residency requirement: proving you lived in St. Pete during Idalia/Helene (leases, utilities)[00:09] Income eligibility: up to 120% AMI (limited slots) vs. 80% AMI (more availability), with real dollar examples for a household of three[00:10–11] How the grant works alongside a conventional or FHA mortgage at today's rates[00:12] Stacking this grant with other down payment assistance programs[00:13] Property eligibility: must be within city limits; open question on single-family homes with ADUs[00:14] "Don't currently own another residential property" — nuances around estate planning and prior storm-era ownership[00:15] Flood zones are allowed — a major difference from Pinellas Recovers[00:16] Biggest misconception: there's no pre-approval reserving funds; approval happens during the transaction[00:17] City of St. Pete property inspection requirement, including lead-based paint review[00:18] No minimum credit score requirement[00:19] Why this is a "call a professional, not ChatGPT" situation[00:20–21] Why buyers shouldn't be afraid to call and ask questions — no aggressive follow-up[00:22] First step for an interested buyer: the Sunrise St. Pete address lookup tool at stpete.org, then a call to Alexa's team[00:23] Application is free; only a soft credit pull, no impact to credit score[00:24–28] Homeownership myths: "I can only afford a starter home," rate vs. rent math, and the value of just starting somewhere[00:29] The 71%-of-buyers-waiting-for-rates statistic and why that creates future competition[00:30–33] Rate buydown options (3-2-1, 2-1, 1-1) and how they compare to renting long-term[00:33–35] Why today's lending standards are nothing like 2008 — no-doc/neg-am loans no longer exist[00:36] How to reach Alexa Price directly[00:37] Closing thoughtsFREQUENTLY ASKED QUESTIONS What is the Sunrise St. Pete Homeowner Assistance Program? It's a HUD community development disaster recovery grant administered by the City of St. Petersburg, offering up to $80,000 in forgivable down payment assistance to eligible renters affected by Hurricane Idalia or Hurricane Helene.How much money can I actually get? Up to $80,000, but the exact amount is calculated to keep your front-end debt-to-income ratio between 35% and 37% — so the award amount varies by buyer, not a flat number for everyone.Is this really forgivable, or do I have to pay it back? It's forgiven at 20% per year over five years. If you stay in the home the full five years, the entire amount is forgiven. If you sell or move earlier, you'd owe the remaining unforgiven percentage.Can I buy a home in a flood zone with this program? Yes — this is one of the program's biggest differentiators. The earlier, similar Pinellas Recovers program did not allow flood zone purchases; Sunrise St. Pete does.Do I need good credit to qualify? There's no minimum credit score requirement. Eligibility comes down to whether you can qualify for an underlying mortgage product (FHA, conventional, etc.), not a set credit threshold.Who determines household income for eligibility? The program reviews all income in the household, including working minors and other household members, up to 120% of Area Median Income (AMI) with limited availability, or up to 80% AMI with more availability.Can I get pre-approved and have funds set aside for me? No. Unlike some other disaster recovery programs, Sunrise St. Pete does not issue pre-approval letters reserving funds. Buyers work with a lender, go under contract, and funds are confirmed as available at that stage.What property types qualify? Condos, villas, townhomes, and single-family homes within St. Petersburg city limits, purchased as a primary residence. (Single-family homes with ADUs are still being clarified with the program at the time of this recording.)How do I find out if my address qualifies? Use the address lookup tool on stpete.org under the Homeowner Assistance Program / Sunrise St. Pete section.What's the first step if I think I qualify? Check your address on the Sunrise St. Pete lookup tool, then contact a participating lender — like Alexa Price at GO Mortgage — for a free application with only a soft credit pull.KEY STATS & QUOTABLE FACTS Up to $80,000 in forgivable down payment assistanceForgiven at 20% per year over a 5-year periodFront-end debt-to-income ratio must stay between 35–37% to determine award sizeIncome eligibility up to 120% AMI (limited availability) or 80% AMI (more availability)No minimum credit score requirementFunded through a HUD Community Development Block Grant – Disaster Recovery (CDBG-DR) allocation to the City of St. PetersburgOn average, homeowners have 44% more net worth than renters at retirement (cited by host)71% of prospective buyers are reportedly waiting for interest rates to drop before purchasingGUEST BIOAlexa Price is a mortgage professional with roughly three decades of lending experience, currently leading a branch of GO Mortgage based in Palm Harpor, Florida (offices in Palm Harbor and Largo). She previously worked extensively with the Pinellas Recovers disaster recovery down payment assistance program and now helps buyers navigate the Sunrise St. Pete Homeowner Assistance Program.Contact Alexa Price:Phone/Text:...

Can you be fully approved for a mortgage and still have your condo loan denied? Yes. Mortgage expert Doug Wagner explains why the condominium building itself can determine whether a buyer can get financing, what changed August 3, 2026, how condo reserves and insurance affect financing, and what buyers and sellers should know before getting under contract.If you're buying a Florida condo in 2026, there's an important question you need to ask before writing an offer:Does the condo building qualify for financing?In this episode of Selling St. Pete, Nicole Saunches talks with mortgage expert Doug Wagner of CrossCountry Mortgage about the changing world of Florida condo financing.A buyer can have excellent credit, sufficient income, a down payment and a mortgage preapproval and still have a loan denied because of the condo project itself.And that's why condo buyers and sellers need to understand more than just the price of the unit.What you'll learnIn this episode, Doug explains:• Why condo financing is different from financing a single-family home• How Florida's post-Surfside condo changes are affecting lending• Why the condo association can be just as important as the buyer• What changed with Fannie Mae's Limited Review process on August 3, 2026• Why putting more money down isn't necessarily the solution it once was• How reserve allocations can affect condo financing• The difference between money already sitting in reserves and money being allocated to reserves• Why the upcoming January 4, 2027 reserve change matters to condo owners• How insurance issues can derail a condo mortgage• How structural problems, repairs and special assessments can affect financing• What “warrantable” and “non-warrantable” mean• Whether a non-warrantable condo can still be financed• How portfolio and non-QM loans may provide alternatives• How seller credits and interest-rate buydowns may help in some transactions• Why a condo that wasn't financeable previously may become financeable later• What buyers should ask for BEFORE writing an offer• Why sellers should consider reviewing their condo documents before listing• Why the lowest HOA fee isn't necessarily the best dealThe most important takeawayWhen you buy a condo, you're not just buying the unit. You're buying into the association.The building's budget, reserves, insurance, repairs, litigation and other characteristics can affect whether financing is available.That's why the condo should be reviewed early in the transaction rather than waiting until the buyer has already paid for inspections and an appraisal.What should you ask before buying a Florida condo?Doug recommends asking about:• The most recent approved budget• Certificates of insurance• Pending litigation• Structural repairs or renovations• Mandatory membership dues• Recreational leases• Hotel or condotel operation• Recent and anticipated special assessmentsAnd once you have the information, have a qualified mortgage professional review it.Coming January 4, 2027The standard replacement-reserve allocation for applicable Full Review loans is scheduled to increase from 10% to 15%, subject to applicable requirements and alternatives.For condo owners, boards, buyers and sellers, that makes understanding the association's budget and reserves especially important.Listen to Part 1This episode is the financing side of a larger Florida condo conversation.If you haven't already, listen to:What Changed Since SB 4D — And the Condo Red Flags Attorneys Actually Watch ForAttorney David Reider explains the legal and document-review side of buying a Florida condo, including milestone inspections, Structural Integrity Reserve Studies, the condo rider and other important condo documents.Read the companion articleBuying a Florida Condo in 2026? Here's the Red-Flag Checklist an Attorney Actually UsesAbout Selling St. PeteSelling St. Pete with Nicole Saunches explores buying, selling, investing and living in St. Petersburg and throughout the Tampa Bay area, with a particular focus on Florida condos, waterfront property, relocation and the issues that can affect your real estate decision.DisclaimerThis episode is for educational purposes only and is not mortgage, legal, tax, insurance or financial advice. Mortgage and condo project requirements can change. Always consult an appropriately licensed professional about your specific situation.

In this episodeNicole sits down with David Reider — real estate attorney and partner at Berlin Patten Ebling, and a former licensed Florida real estate agent — to unpack everything that's changed in Florida condo law since the Surfside collapse and Senate Bill 4-D (SB 4D), and what it actually means for someone buying a condo in St. Pete right now.David isn't just a real estate attorney — he holds a master's in public health and disaster relief, that combination is exactly why this conversation goes deeper than the standard "SB 4D explainer" you'll find elsewhere: it's a working attorney's actual checklist, built from doing 10–20 condo document reviews a week.If you're buying a condo in Florida right now, there's a stack of paperwork behind that condo rider that didn't exist a few years ago — and it might be the most important part of your contract. In this episode, Nicole and David break down what's changed since SB 4D: milestone inspections, Structural Integrity Reserve Studies, the new 7-business-day document review window, and the specific red flags — flat HOA fees, missing inspections, active litigation — that should make any buyer stop and dig deeper before closing. Whether you're buying downtown in St. Pete or anywhere else in Florida, this is the episode for a buyer who thinks "the condo docs are just paperwork."Show notes / full breakdown: https://www.sellingstpetefl.com/admin/posts/buying-a-florida-condo-in-2026-here-s-the-red-flag-checklist-an-attorney-actually-usesGuest: David Reider, Real Estate Attorney, Berlin Patten Ebling, 727-822-2505

Florida's heat, humidity, and rain make it one of the most mold-prone climates in the country — and today's episode breaks down what that actually means for your home. Host Nicole Saunches talks with Doug and Ryen Linder, the father-son team behind DR Mold Solutions, about the black mold myth, where mold hides that you'll never see, what a real mold inspection report looks like, EPA/FDA-approved fogging treatment, the ideal indoor humidity range, and a rapid-fire Myth or Fact segment. Whether you're buying, selling, or just living in a Florida home, this one's worth the listen.Guests: Doug Linder & Ryen Linder, DR Mold Solutions (drmoldsolutions.com | 727-888-3858)Topics covered: indoor air quality, mold types & the black mold myth, mold inspections, remediation & fogging treatment, HVAC maintenance, ideal home humidity, real estate due diligence, prevention tipsChapters: 00:00 Intro | 03:30 Why Tampa Bay is a mold hotspot | 07:00 What indoor air quality really means | 12:00 The black mold myth | 17:00 A mold inspection, start to finish | 24:00 Remediation & fogging treatment | 36:00 Prevention & the #1 tip | 43:00 Ideal humidity range | 45:00 Myth or Fact | 52:00 How to reach DR Mold SolutionsLinks: www.drmoldsolutions.comContact DR Mold Solutions: 727-888-3858

VA entitlement isn't a loan amount, a credit line, or a one-time coupon — and almost nobody explains it correctly. In this episode, Nicole Saunches sits down again with Nora Simpson of AssumeList to break down VA entitlement in plain terms: full vs. partial entitlement, why there's no real cap on what a veteran can borrow, how to hold two VA loans at once, and the biggest myth in the industry — that only veterans can assume a VA loan.In this episode:What VA entitlement actually is (and isn't)Full entitlement vs. partial entitlement, explainedOwning two homes with VA loans at the same timeWhy leaving entitlement in place can be the smarter moveWho can actually assume a VA loan (hint: not just veterans)How to calculate exactly how much entitlement you have leftRapid-fire true/false on the industry's biggest misconceptionsLinks mentioned:AssumeList: assumelist.comFree daily Q&A: homes.assumelist.com/learn (weekdays, 11 AM ET / 8 AM PT)Assumable Mortgage Hub: https://www.sellingstpetefl.com/posts/the-assumable-mortgage-guide-how-to-buy-or-sell-with-a-2-3-interest-rate-in-today-s-marketConnect with Nicole Saunches:📧 [email protected] | 📱 Call/text: 719-201-5022Veterans navigating a sale, purchase, or VA loan assumption in Tampa Bay — reach out directly. Buyers and investors wanting a free AssumeList sub-account, DM Nicole.

Assumable mortgages can be one of the biggest opportunities in today's real estate market, but one question stops many buyers before they even get started:"How do I pay the difference between what the seller owes and what the home is worth?"In this episode of Selling St. Pete, Nicole Saunches sits down with Ryan Nelson of Barrett Financial, AssumeList's preferred lending partner, to explain exactly how buyers can finance the equity gap when purchasing a home with an assumable mortgage.If you've been told you need hundreds of thousands of dollars in cash to assume a low-interest mortgage, this episode may completely change the way you think about the process.In This Episode You'll LearnWhat the equity gap is and why it exists in almost every mortgage assumptionWhy financing the equity gap is a separate process from assuming the existing loanHow second mortgages and HELOCs can help buyers bridge the gapWhen assuming a mortgage makes financial sense—and when it doesn'tHow blended interest rates work when combining an assumable mortgage with secondary financingWhat buyers must do to qualify for an assumable mortgageCommon mistakes that can derail financing before closingWhy sellers with 2–3% mortgage rates may be sitting on an incredibly valuable assetThe biggest myths surrounding assumable mortgagesKey TakeawaysOne of the biggest misconceptions about assumable mortgages is that buyers must have enough cash to cover the seller's equity. In reality, qualified buyers may be able to obtain secondary financing to bridge that gap.Ryan explains how fixed-rate second mortgages and home equity lines of credit (HELOCs) can work alongside an assumed mortgage, allowing buyers to take advantage of historically low interest rates while financing only the difference between the existing loan balance and the purchase price.The conversation also emphasizes that every transaction should be evaluated individually. Sometimes assuming a mortgage creates enormous long-term savings. Other times, depending on the loan balance and equity, a traditional mortgage may actually be the better financial choice.As Ryan says throughout the episode:It's all about doing the math.Myth vs. FactNicole closes the episode with a rapid-fire Myth or Fact segment covering:Do you always need a second mortgage?Does assuming a mortgage eliminate underwriting?Can only the original lender finance the equity gap?Does Barrett Financial only work with AssumeList clients?The answers may surprise you.Featured GuestRyan NelsonBarrett Financial GroupRyan specializes in assumable mortgage financing, second mortgages, HELOCs, FHA, VA, conventional financing, and self-employed borrower solutions. He works with buyers nationwide to help structure financing options that make homeownership more affordable.Connect with Ryan NelsonPhone: (480) 861-7841Email: [email protected] MentionedAssumeListBarrett FinancialBlended Mortgage Rate Calculator (search "Blend Rate Calculator" online)About Selling St. PeteSelling St. Pete is your trusted resource for real estate education throughout the Tampa Bay area. Host Nicole Saunches interviews industry experts to help buyers, sellers, investors, and homeowners better understand today's housing market, financing strategies, insurance, legal issues, and the many options available when making one of life's biggest financial decisions.If you found this episode helpful, please subscribe, leave a review, and share it with someone who could benefit from learning more about assumable mortgages.

Home prices are up, rates are up, and most buyers assume that means they're priced out. But some homes still carry a mortgage from 2020 or 2021 — with a rate of 3%, 2%, sometimes even lower — and in the right circumstances, a qualified buyer can simply take it over. It's called a mortgage assumption, and it might be the most underused tool in real estate right now.In this episode of Selling St. Pete, host Nicole Saunches sits down with Nora Simpson, Head of Education at AssumeList, for "Mortgage Assumption 101." Nora breaks down which loans are actually assumable (VA, FHA, and USDA), how buyers can bridge the equity gap with as little as 10% down, why sellers with an assumable mortgage may be sitting on a goldmine for their sale price, and how AssumeList closes assumptions in 60 days or less with a perfect approval track record. Nora also joins Nicole for a rapid-fire "Myth or Fact" segment, busting six of the most common misconceptions about mortgage assumptions.In this episode:What a mortgage assumption actually is (and how it differs from "creative financing")Which loan types qualify — VA, FHA, and USDA — and the nuances of eachHow buyers cover the equity gap with a second mortgage and as little as 10% downWhy assumable listings can spark bidding wars and drive prices above listThe #1 reason assumptions stall (hint: it's not the loan type)Six mortgage assumption myths, debunkedGuest: Nora Simpson, Head of Education at AssumeList. Daily live Q&A, Monday–Friday, 11am ET / 8am PT at assumelist.com. Registration: homes.assumelist.com/learn. Email: [email protected]: Nicole Saunches, Selling St. Pete — an AssumeList-trained agent serving the St. Petersburg–Tampa area.🎧 Listen to the full episode: https://player.captivate.fm/episode/8949653c-340c-41ab-81d4-95a2089af562/ Also available on Spotify and Apple Podcasts.

Is the St. Pete real estate market actually slow — or is that just the national headline?In this episode of Selling St. Pete, I sit down with Doug Wagner of CrossCountry Mortgage to unpack what's really happening in Pinellas County right now — and why the story here looks different from what you're seeing on the news.Whether you bought in 2021 and feel trapped by your low interest rate, you're renting and wondering if now is the right time to buy, or you just want honest numbers, this conversation is for you.What we cover:Why existing home sales have been stuck near 4 million nationally — and what that means locallyHow COVID artificially pulled demand forward, and why rates returning to "normal" isn't bad newsThe absorption rate trend in Pinellas County that the media isn't talking aboutWhy 70% of real estate agents didn't sell a single home last year — and how to make sure yours didThe bridge loan strategy that lets equity-rich homeowners make non-contingent offersWhy renting is almost always more expensive than owning — and when the math finally tipsThe condo market split: why Downtown St. Pete (33701) is a seller's market while beach communities sit at 15 months of inventoryHow to use seller concessions and rate buydowns to improve affordability without waiting for rates to dropThe starter home strategy: why your first home doesn't have to be your forever homeKey stats from this episode:Average net worth of a renter: ~$10,000Average net worth of a homeowner: ~$400,000Historical average 30-year mortgage rate: high 6% rangeDowntown St. Pete condo inventory: seller's market over $1M, buyer's market under $1 M (different dynamics)Beach community condo inventory: ~15 monthsConnect with Doug Wagner: 📞 727-543-2897 | CrossCountry Mortgage | knowmyhomebudget.comSelling St. Pete is your hyper-local guide to the St. Petersburg, Florida real estate market — hosted by luxury real estate advisor Nicole Saunches of Coastal Properties Group International and Forbes Global Properties.

In this episode of Selling St. Pete, host Nicole Saunches sits down with home warranty expert Tina Romanik from Home Warranty of America to discuss how sellers can leverage home warranties as powerful negotiating tools. Whether you're listing a property with aging mechanicals or simply want to stand out in a competitive market, learn how offering a home warranty up front can protect you from costly repair negotiations, give buyers peace of mind, and potentially help you close deals faster.This episode is essential listening for sellers, listing agents, and anyone preparing to list a property in St. Petersburg or the Tampa Bay area.About the GuestTina Romanik is a home warranty specialist with Home Warranty of America, where she works with real estate agents and homeowners throughout Florida to navigate home warranty coverage strategically. With deep expertise in how home warranties intersect with real estate transactions, Tina helps sellers protect their listings and buyers secure their investments through comprehensive service agreements.Episode Highlights & TimestampsIntroduction (00:00 - 01:05)Nicole introduces the topic: home warranties as a negotiating tool for sellersOverview of what listeners will learn in this episodeWhat is a Home Warranty? (01:05 - 02:31)[01:21] Definition: Service agreement covering plumbing, electrical, appliances, HVAC[01:40] Key difference: Home warranties cover normal wear and tear[01:58] Homeowners insurance vs. home warranty: What each covers[02:10] Example scenarios: AC thermostat failure vs. water heater explosion damageUnderstanding Plan Options (02:31 - 04:03)[02:39] Four plan tiers: Gold, Platinum, Diamond (buyer plans) and Seller's Coverage[02:54] Buyer plans: 13-month terms with various add-ons[03:09] Seller's coverage: 6-month term with focused protection[03:23] Available add-ons: Guest houses, pools, outdoor kitchens[03:44] Core components covered in seller's plansPrimary Residence vs. Investment Properties (04:03 - 05:29)[04:12] How warranties work for investors with multiple properties[04:34] Payment options: Closing integration or post-close credit card[04:43] Payment plans available at no additional cost[05:02] 30-day waiting period for non-transaction purchases[05:08] Why the waiting period exists: Preventing known issue coverageTiming: When Should Sellers Purchase? (05:29 - 07:05)[05:44] Think of warranty purchase as a "reservation" in the transaction[06:01] Invoice process: Title agent, buyer's agent, and buyer notification[06:07] Payment happens at closing, not upfront[06:26] Strategic marketing advantage in competitive markets[06:53] Using warranties as backup strategy for inspection negotiationsMarketing Advantages of Offering a Home Warranty (07:05 - 09:27)[07:22] Signals quality: "Certified pre-owned" positioning for homes[07:38] Shows seller commitment to protecting the buyer[08:00] Creating a psychological edge in the market[08:15] Practical example: Declining HVAC repair credit for warranty coverage[08:54] Leveraging warranties in multiple offer scenarios[09:05] Using as tiebreaker when offers are financially equalProtecting Sellers from Expensive Repairs (09:27 - 13:00)[09:38] Seller's coverage: Protection while property is listed[09:52] Case study: Preventing $4,000-$6,000 water heater replacement cost[10:15] Real scenario: AC unit failure before inspection[10:45] How immediate repairs keep deals moving forward[11:25] Strategic benefit: Avoiding back-to-market after contract falls through[12:15] Six-month window: Critical protection period for sellers[12:34] Lower service call fees during listing periodCreating Buyer Confidence (13:00 - 16:30)[13:15] How warranties address first-time buyer concerns[13:42] Buyer perspective: Safety net for unexpected breakdowns[14:08] Reducing anxiety about older home systems[14:35] Marketing language: "This home comes with peace of mind"[15:10] Converting warranty coverage from seller to buyer plan at closing[15:45] Building trust through seller-provided protectionCommon Misconceptions About Home Warranties (16:30 - 20:45)[16:45] Myth: "Home warranties don't cover anything"[17:12] Reality: Understanding coverage limitations prevents disappointment[17:38] Proper maintenance requirements for coverage eligibility[18:05] Pre-existing conditions: What's covered and what's not[18:42] Home inspection reports: How they affect warranty claims[19:15] Documentation importance: Service records matter[19:48] Setting realistic expectations with clientsThe Claims Process: What Sellers and Buyers Should Know (20:45 - 24:15)[21:00] Step-by-step: How to file a claim[21:25] Response timeframe: 24-48 hours for technician dispatch[21:58] Trade call fee structure: $100 standard, $75 add-on option[22:30] What happens during a service visit[23:05] Repair vs. replacement decisions[23:35] Coverage caps: Understanding policy limits[24:00] Communication with warranty company throughout processReal-World Scenarios: Using Warranties in Negotiations (24:15 - 28:15)[24:30] Scenario 1: Aging HVAC system during inspection[25:05] Scenario 2: Multiple inspection repair requests[25:40] Scenario 3: Buyer asking for credits vs. warranty[26:15] Script for agents: How to present warranty as alternative to repairs[26:50] Negotiation strategy: Warranty + limited repairs[27:25] Converting repair requests into covered items[27:55] Managing expectations during due diligence periodWhat's NOT Covered: Important Limitations (28:15 - 30:08)[28:23] Function vs. features: Core coverage principle[28:35] Example: Refrigerator iPad screen vs. cooling function[29:01] Non-covered scenario: Kids' toys clogging drains[29:31] Pet damage: HVAC system urination example[29:45] Not normal wear and tear situations[30:00] Why understanding limitations protects the relationship with clientsWhy Home Warranty of America Stands Out (30:08 - 32:38)[30:09] No age restrictions on mechanicals (with proper maintenance)[30:27] Local technician network advantage[30:40] Real example: Orlando techs sent to St. Pete (other companies)[31:02] Signature feature: 13-month coverage (not 12 months)[31:16] Competitive pricing: Under $900-$1,000 range[31:39] Plan consistency: No downgrades upon renewal[31:46] Hidden downgrade issue with other companies[32:00] Trade call fees: $100 standard, $75 add-on available[32:13] Strategy tip: Negotiate dollar limit for add-on inclusionMultiple Trade Situations (32:38 - 33:00)[32:45] Each trade requires separate service call fee[32:58] Example: Refrigerator, washer/dryer, HVAC = three separate feesClosing Thoughts (33:00 - 34:03)Nicole's summary of key benefits for sellersImportance of strategic home warranty usageCall to action for sharing the episodeKey Takeaways for St. Petersburg SellersHome warranties cover normal wear and tear - Unlike homeowners insurance, which covers disasters and catastrophic events, home warranties protect against everyday breakdowns of major systems and appliances.Seller's coverage is specifically designed for the listing period - Six-month terms with focused coverage on core home components while you're actively marketing your property.Offering a warranty upfront creates marketing advantages - Position your property as "certified" and demonstrate commitment to protecting buyers, making your listing stand out in competitive markets.Use warranties strategically during inspection negotiations - Instead of agreeing to expensive repairs or credits,...

In this inspiring episode of Selling St. Pete with Nicole Saunches, Nicole sits down with Sandy Bean, founder of the St. Pete Girl Boss Network — a 10,000+ member community of women entrepreneurs who are redefining what collaboration and connection look like in business.Together, they explore how Sandy transformed personal challenges into a powerful movement centered around belonging, psychological safety, and abundance. The conversation dives into how the Girl Boss community empowers women to build authentic relationships, grow thriving businesses, and even reshape the local economy through collaboration and real estate investment.Key ThemesThe divine inspiration behind St. Pete Girl Boss and how it became a citywide movement.Why belonging and psychological safety are the real foundations of success.How women can transform competition into collaboration — and build stronger businesses together.The connection between wealth, real estate, and women’s empowerment.The post-Hurricane Helene recovery: how the Girl Boss community came together to rebuild and protect homeowners.Innovative building solutions reshaping waterfront living in St. Pete.The shared mission of empowering women to own, invest, and lead in every arena.Featured GuestSandy Bean – Educator, Consultant, Founder of St. Pete Girl Boss, and advocate for inclusive, purpose-driven entrepreneurship.🌐 stpetegirlboss.com📧 [email protected]📸 Instagram: @stpetegirlbossConnect with Nicole🎧 Listen to more episodes: Selling St. Pete Podcast🏡 Explore listings: SellingStPeteFL.com📸 Follow on Instagram: @SellingStPeteFL

Episode OverviewJoin host Nicole Saunches in this powerful conversation with business coach and trauma expert Shakti Rios, founder of Phnx Legacy. Discover how human design and emotional freedom technique (EFT) can revolutionize your approach to business, helping you work in alignment with your natural wiring rather than against it.In This Episode, You'll Learn:About Human Design:What human design is and how it combines ancient wisdom systems like astrology, the I Ching, chakras, and the KabbalahHow understanding your unique energetic architecture can unlock your path to successWhy trying to follow everyone else's business strategies drowns out your originality and success potentialThe difference between living "correctly" (aligned with your design) versus operating against your natureBusiness Strategy & Positioning:The critical difference between marketing your services versus presenting a transformational offerHow to stand out in a crowded market and stop competing on price aloneWhy positioning determines the quality of clients you attractReal-world example: How specialization can make you incomparable in your industryEmotional Freedom Technique (EFT):How EFT can clear years of baggage in a single sessionThe neuroscience behind tapping and how it regulates your stress responseRemarkable success stories including helping clients with PTSD, brain injuries, and even Lou Gehrig's diseaseWhy EFT doesn't require you to relive traumatic experiences to heal from themGuest BioShakti Rios is a first-generation Cuban-American entrepreneur, homeschooling mom of two, and master EFT practitioner with over 16 years of entrepreneurial experience. After spending over a decade as a trauma-focused massage therapist working with complex cases, she founded Phnx Legacy to help entrepreneurs understand their unique design and achieve success in alignment with their natural wiring.Key Quotes"When you learn how to sell according to your nature, it's a game changer. They're just all of a sudden excited about it.""Every type is really designed to succeed differently... one of the biggest mistakes we make is that we try to be like everybody else, especially when we're building businesses.""Selling is a sacred experience when you are selling something that's really worthwhile and you're doing it in a way that is super full of integrity—you are changing someone's life in an instant."Resources & LinksConnect with Shakti Rios:Instagram: @shakti.riosWebsite: phnxlegacy.comMentioned in This Episode:St. Pete Girl Boss networking groupHuman Design SystemEmotional Freedom Technique (EFT)About the Selling St. Pete PodcastHosted by Nicole Saunches, the Selling St. Pete Podcast explores the vibrant entrepreneurial ecosystem of St. Petersburg, Florida—a mecca for small business owners and entrepreneurs. Each episode features conversations with local business leaders, coaches, and innovators who are building authentic, purpose-driven businesses.

Here’s a polished set of show notes that align with the style of your previous Selling St. Pete with Nicole Saunches episodes and integrate the transcript details you provided:Selling St. Pete with Nicole SaunchesGuest: Clive Gavin, State Farm Insurance Agent (FL)Contact: (727) 799-4665 • [email protected] SnapshotHomeowner’s insurance has become one of the hottest—and most confusing—topics in Tampa Bay real estate. In this episode, Nicole sits down with returning guest Clive Gavin of State Farm Insurance to break down exactly what you need to know about protecting your home. They dig into what a standard HO policy covers (and what it doesn’t), why liability limits matter more than most people think, flood insurance realities even in X-zones, and the biggest coverage mistakes that cost homeowners thousands.Whether you’re a buyer, seller, investor, or snowbird, this episode is packed with insights on reducing risk, saving money, and staying properly insured in a rapidly shifting market.Key Topics & TakeawaysWhat a Standard Policy Covers (and Doesn’t)Fire, theft, vandalism, wind/hurricane, sudden pipe breaks—and where riders or endorsements fill the gaps.Replacement Cost vs. ACVWhy you should insure your dwelling and personal property at replacement cost, not depreciated value.Liability Blind SpotsFrom dog bites to pool accidents—why Clive recommends $300K–$500K+ liability limits and when an umbrella policy is worth it.Primary vs. Rental PropertiesWhy landlords need higher liability coverage, Loss of Rents protection, and renters insurance requirements.Seasonal & Snowbird RisksHow to prevent small maintenance issues from becoming massive claims when you’re away.Condo vs. PUD PoliciesConfirming classification with the county appraiser before buying coverage—and reviewing HOA master policies carefully.Flood Insurance RealitiesThe 30-day wait, X-zone myths, and why NFIP vs. private market options matter (plus ALE limitations).Hurricane & Wind DeductiblesUnderstanding 2–10% deductibles and how they can impact your pocketbook after a storm.Inspections that Matter4-Point and Wind Mitigation reports can make or break eligibility—share clean reports with buyers.Roof Age & DronesHow carriers monitor roof condition, why permits matter, and how to get discounts for upgrades.Premium-Reduction TipsTree trimming, soft-washing roofs, updating your agent after upgrades, and when shopping around makes sense.Must-Have RidersWater/sewer backup, mold remediation, increased water-damage limits, personal articles coverage, and umbrella liability.Policy Right-SizingRe-run replacement cost after renovations—don’t rely on market value for coverage.Bottom line: Preventive maintenance + right endorsements + adequate liability = protection for your biggest asset.Chapter Guide00:00 – Welcome & why insurance is so confusing right now01:05 – What a standard HO policy covers (cause & effect)02:20 – Replacement cost vs ACV; liability blind spots04:15 – Citizens vs. private carrier liability recommendations05:10 – Rentals, Loss of Rents & renters insurance requirements06:40 – Seasonal owners & unattended property risks07:30 – Condo vs PUD & HOA master policy reviews09:35 – Affordability challenges, Citizens, flood mandates12:00 – Depopulation letters: what to do13:05 – Hurricane vs wind vs flood & % deductibles15:10 – X-zone myths & flood ALE limitations19:05 – Insurance trends impacting buyers & sellers20:50 – 4-Point/Wind-Mit’s effect on deals22:05 – Roof inspections, wind-mit savings & upgrade notifications24:05 – Opening-protection myths & condo wind-mit wins26:10 – Permits, claims & home warranties30:00 – When shopping coverage makes sense31:10 – Tree trimming, roof maintenance & premium savings32:20 – Market shifts, storms & legislation34:15 – Post-storm roof fraud warnings35:30 – Must-have riders & water damage buy-backs37:00 – Renovations & recalculating replacement cost38:00 – Why ACV is risky for homes39:00 – Jewelry, firearms & collectibles coverage40:30 – What upgrades actually impact premium42:00 – Insuring to rebuild cost vs market value43:30 – Closing thoughts & how to reach CliveResources MentionedClive Gavin, State Farm — (727) 799-4665 • [email protected] & Wind Mitigation Inspections — ask your inspector; typical bundle ~$100–$225County Appraiser Site — confirm PUD vs Condo classification before choosing policy typeNFIP Flood Insurance — expect a 30-day waiting period; consider policy transfer at purchaseConnect with Nicole🌐 SellingStPeteFL.com🎙 Selling St. Pete with Nicole Saunches📸 Instagram: @SellingStPeteFLDisclaimerThis episode is for educational purposes only and is not legal, tax, or insurance advice. Policies vary by carrier and change over time—consult a licensed insurance professional for your specific situation.Enjoyed this episode? Share it with a neighbor—especially one who still thinks “X-zone means no flood risk.”

In this episode of the Selling St. Pete Podcast, host Nicole Saunches sits down with Clive Gavin, a seasoned State Farm Insurance agent with over two decades of experience, to demystify the world of auto insurance. Whether you’re a daily commuter, a seasonal resident, or someone trailering a boat across Florida, understanding your coverage is essential—especially in a no-fault state like Florida.Clive shares his journey from Ohio to Florida insurance management, and now running his own agency in St. Pete. Together, Nicole and Clive tackle the most common questions drivers face:Why Florida’s no-fault system drives higher rates—and how lawsuits play a role.The key differences between liability, comprehensive, and collision coverage.What uninsured/underinsured motorist coverage really means for your family.How seasonal residents (“snowbirds”) can adjust their policies effectively.The discounts and programs many policyholders overlook—like multi-car, multi-line, and good student savings.Why shopping your policy at renewal can be smart, but loyalty may pay off more long-term.Quick tips to avoid costly mistakes when filing claims.Plus, Clive explains how classic cars, boats, and even golf carts fit into the insurance equation, and what you should always check before buying a used vehicle in Florida.By the end of this episode, you’ll walk away with practical knowledge to help you avoid surprises, protect your assets, and potentially save money on your auto insurance.Guest InformationClive Gavin – State Farm Insurance Agent📞 Call/Text: (727) 799-4665📧 Email: [email protected]📍 Office: 5505 Park St N, St. Petersburg, FL 33709Resources & LinksSubscribe to the Selling St. Pete Podcast for more insights on real estate, lifestyle, and living well in Tampa Bay.Visit SellingStPeteFL.com for show notes, real estate resources, and more.

Boating in Tampa Bay is a lifestyle—but it comes with its own set of challenges. From saltwater corrosion to keeping up with modern electronics, local boat owners often find themselves juggling repairs and upgrades at the worst possible times. In this episode of the Selling St Pete Podcast, host Nicole Saunches sits down with Max McNary, owner of First Time Marine, a mobile marine service company. Max brings years of certified expertise with Yamaha, OXE Marine, SeaStar, and more, and he’s passionate about helping Tampa Bay boaters get it right the first time. We cover: What makes mobile service so convenient (and often less expensive than dealerships) Common mistakes boat owners make with maintenance in Florida’s climate Pre-season prep every boat owner should schedule before hitting the water The latest trends in marine electronics—from chartplotters to trolling motors Tips for extending the life and value of your vessel in Tampa Bay’s salty, sunny conditions If you own a boat in Pinellas, Pasco, or along the Gulf Coast, this episode will give you actionable advice to save money, avoid breakdowns, and spend more time on the water. Thanks for tuning in! Connect with Max on Instagram here or on Facebook here or visit his website, www.firsttimemarine.com and share this episode with boaters you know!

In this episode of the Selling St. Pete Podcast, host Nicole Saunches welcomes back Andi Menaul from Goodwin Mortgage Group to discuss the impact of hurricanes Helene and Milton on the Tampa Bay area. They focus on the challenges faced by displaced families and explore the FHA 203h loan as a financial lifeline for those affected by the disasters. Andi explains the eligibility criteria, which allows both homeowners and renters in presidentially declared disaster zones to purchase new homes with zero down and more flexible credit requirements. The episode aims to provide crucial information and hope to those looking to rebuild their lives after such devastating events.If you or someone you know would like to connect with Andi or Nicole to see if you are elgible for the FHA 203h loan, you can call or text Andi at (727) 667-5936 or Nicole at 719-201-5022.This episode pairs with the blog post What Happens to Your Mortgage and Closing When FEMA Declares a Disaster in Florida — part of the Hurricane Season Guide for Tampa Bay buyers and sellers. Read the full series here.Thanks for listening!

Join Nicole Saunches as she sits down with Austin Weaver from My Easy Mortgage to uncover the common pitfalls and mistakes that could cost you more money or even prevent you from obtaining a mortgage. In this insightful episode, Austin shares expert advice on navigating the mortgage process, ensuring you're well-prepared for one of the most significant financial decisions of your life. Key Topics Discussed: Understanding the Mortgage Process: Common Mistakes to Avoid: Costly Pitfalls: Expert Tips from Austin Weaver: How to improve your credit score before applying Steps to take to ensure a smooth mortgage approval process The importance of working with a trusted mortgage advisor Why You Should Listen: Gain insider knowledge from a mortgage expert Learn how to avoid costly mistakes Empower yourself with the tools to make informed decisions about your mortgage Connect with Us: Follow Nicole Saunches on Instagram at @sellingstpetefl Follow Austin Weaver on Instagram at @atwmortgage Subscribe to Selling St Pete with Nicole Saunches for more expert advice and tips Call to Action: Enjoyed this episode? Leave us a review and share it with your friends! Have questions about mortgages? Reach out to Austin at https://myeasymortgage.com/team/austin-weaver/ Have a question for Nicole or a show topic to recommend? DM Nicole on Instagram or call/text her at 727-282-4335 Closing Thoughts: Thank you for tuning in! Stay tuned for more insightful episodes with industry experts Keywords: Mortgage tips Mortgage mistakes Home loan advice Austin Weaver My Easy Mortgage Mortgage approval Financial advice Credit score improvement Mortgage rates

Join us as Nicole Saunches from Coastal Properties Group International, Forbes Global Properties speaks with Ashley Hutson, an esteemed Estate Planning Attorney from Berlin, Patten, Ebling. Together, they discuss the proactive steps individuals can take to ensure peace of mind, maintain control over their affairs, and safeguard their legacy. Episode Highlights: The Foundation of Legacy: Nicole and Ashley emphasize the fundamental importance of estate planning, transcending wealth brackets. Whether you're a high-net-worth individual or just starting your journey, estate planning is indispensable for securing your legacy and ensuring your wishes are honored. Proactive Peace of Mind: Delve into the peace of mind that comes with proactive estate planning. By setting up power of attorney and beneficiaries in advance, individuals can navigate unforeseen circumstances with clarity and control. Ashley provides insights into how such proactive measures mitigate the risk of guardianship or probate, offering solace in times of incapacity. Navigating Incapacity: Nicole and Ashley shed light on the startling statistic that 70% of individuals will experience some form of incapacity in their lifetime. From minor setbacks to significant challenges, the repercussions can be profound. Discover how estate planning empowers individuals to dictate their decision-makers, ensuring their voice is heard amidst legal complexities. Dispelling Probate Myths: Addressing the common misconception that a will can entirely circumvent probate, Nicole and Ashley demystify the complexities surrounding probate proceedings. Through insightful anecdotes and legal expertise, they illustrate why comprehensive estate planning extends beyond a simple will, offering a holistic approach to asset distribution and legacy preservation. Key Takeaways: Estate planning is a universal imperative, transcending income levels. Proactive measures provide peace of mind, allowing individuals to navigate unforeseen circumstances with clarity and control. Incapacity is a reality for many; estate planning empowers individuals to dictate their decision-makers, mitigating legal uncertainties. Comprehensive estate planning goes beyond a will, offering a holistic approach to asset distribution and legacy preservation. Conclusion: Thank you for tuning in to the Selling St Pete podcast. We hope today's discussion has shed light on the vital importance of estate planning in shaping your legacy and securing your future. If you would like to schedule a consultation with Ashley Hutson, you can reach her via email at [email protected] or by phone at 727-822-2505. And, if you would like to schedule a consultation with Nicole Saunches, you can reach her via email at [email protected] or phone/text at 719-201-5022. Stay tuned for more insightful conversations on topics shaping your financial and personal well-being. Until next time, remember: Your legacy begins with a plan.

In this episode, I share some of the latest insights on the housing market, covering nationwide and local trends impacting buyers and sellers. Key Highlights: Nationwide Trends: 4 million real estate transactions in 2023, the lowest in three decades despite a 24% population increase since 1993. Local Insights: Pinellas County saw an 11% sales decrease, while St. Pete experienced a 6.4% decline year-over-year. Impact of Interest Rates: Rising rates have prompt homeowners to hold onto low pandemic-era rates, leading to pent-up demand. Cash Purchases: Nationwide, cash transactions hit a 10-year high, comprising one-third of sales in January 2024. Locally, Pinellas County and St. Pete saw 51% and 48% cash transactions, respectively. Price Appreciation: Home prices continue to rise, with over 85% of metro areas seeing increases in Q4 2023. Tampa Bay maintains double-digit growth and Florida has experienced the largest home equity growth nationwide since Q1 2020. Condo Market Shift: The passage of Senate Bill 4D in the spring of 2022 has created notable changes in the condo market Market Dynamics: By definition the market is still considered to ba a seller's market though, in many ways, it is acting like a buyer's market. However, real estate and market trends are hyper local and what happens in one neighborhood may not be the same trend in another neighborood. If you are thinking of buying or selling I would recommend seeking professional guidance for personalized strategies in navigating the evolving market landscape. If you would like to schedule a consultation, you can call or text me at 727-282-4335 or email at [email protected]

Nicole Saunches from Coastal Properties Group engages in an insightful conversation with Angelic Williams, financial expert from J Galt Financial Suite, on the crucial topic of financial strategies for business owners. In this episode of Selling St Pete podcast, they explore the nuances between establishing business credit and corporate credit, shedding light on the advantages of securing corporate credit for business growth, and the significance of maintaining a clear separation between personal and business expenses. Episode Highlights: Distinguishing Business Credit and Corporate Credit: Angelic Williams begins by demystifying the terms 'business credit' and 'corporate credit,' outlining the fundamental differences between the two. The discussion touches upon how each type of credit serves distinct purposes and contributes to the overall financial health of a business. The Pros of Securing Corporate Credit: Nicole Saunches delves into the benefits that come with a business owner actively pursuing and securing corporate credit for their company. Angelic Williams provides insights into how corporate credit can open up new avenues for funding, expansion, and financial flexibility for business operations. Financial Empowerment for Business Owners: The conversation extends to practical tips and strategies for business owners to successfully establish and leverage corporate credit. The speakers emphasize the empowerment that comes with financial knowledge, enabling business owners to make informed decisions for the growth of their enterprises. Importance of Separating Personal and Business Finances: One key aspect discussed is the significance of maintaining a clear line between personal and business expenses. The interview highlights the potential pitfalls of mingling personal and business finances, and the positive impact it can have on creditworthiness and financial stability when separation is maintained. If you would like a free business check, click here: And, if you would like to connect with Angelic, you can reach her via email at [email protected] or text her (please no phone calls) at 510-833-6429. As always, we hope you found this episode to be useful and learned something new. Please share this episode with anyone you think could benefit from this information. Disclaimer: The information provided in this podcast is for educational purposes only and should not be considered as financial advice. Listeners are encouraged to consult with financial professionals for personalized guidance tailored to their specific situations.

Join us on the latest episode of Selling St Pete as we sit down with Pinellas County native and attorney David Reider from Berlin, Patten, Ebling. Discover how David's background as a real estate agent influences his role today and gain valuable insights into the various brokerage relationships realtors can establish with clients. Explore Berlin, Patten, Ebling's unique approach as both a title company and a representative in real estate transactions. In a groundbreaking discussion, we delve into the aftermath of the Sitzer vs NAR class-action lawsuit, a recent decision favoring the plaintiffs, and its potential impact on the real estate industry. Hear about proactive measures taken by Florida Realtors, Stellar, and other MLSs in Florida, as well as changes implemented by my brokerage, Coastal Properties Group, in response to this pivotal decision. Uncover the key questions arising from this legal shift: Will there be a surge in the use of buyer brokerage and showing agreements? Are buyers likely to bear the cost of representation, and how might this affect transactions? Explore the potential changes for VA buyers contributing more than 1% towards closing costs and their implications on market values and the appraisal process. Will increased transparency in agent compensation reshape the industry? Stay informed with Selling St Pete as David and Nicole Saunches track the ongoing developments of this case and follow copycat lawsuits. Share your thoughts on this episode - was it informative? Do you have burning questions or suggestions for the future of the real estate industry? We want to hear from you!

In this episode of Selling St Pete, your host, Nicole Saunches, delves into the holiday season and how to navigate it with grace, focusing on mental well-being. Joining her is Kelly Abanda, a Positive Intelligence Coach with Design Your Detour, as they explore strategies to avoid the top 3 mistakes that often lead to increased stress during this festive time. Nicole and Kelly set the stage by discussing the common stressors people face during the holiday season, emphasizing the importance of mental well-being. Additionally, they introduce the concept of Positive Intelligence, otherwise known as PQ. Positive Intelligence refers to the capacity to respond to life's challenges with a positive rather than a negative mindset. It is a measure of the strength of your positive mental muscles versus the negative ones. The top 3 mistakes people make to increase holiday stress: Trying to make everyone happy Saying Yes when you want/need to say no Wanting others to do it YOUR way Utilizing PQ strategies, the goal of Positive Intelligence is to enhance the positive mental muscles and weaken the saboteurs, leading to improved mental fitness and resilience. It's about developing the ability to see challenges as opportunities for growth, cultivating a more optimistic mindset, and building stronger mental habits. Click here if you would like to take the self-assessment and identify your top saboteurs. My hope is this episode provides listeners and viewers with a dose of positivity and practical strategies to make your holidays more enjoyable and stress-free!

In this episode, I chat with Frank Gemma with Caliber Home Loans. He explains why sellers may want to consider offering a credit vs. a price reduction when selling their home. With interest rates in the 7-7.5% range, many home are staying on the market longer and some buyers are seeing a decrease in their buying power due to higher interest rates. A seller credit will have a bigger impact in reducing a buyer's mortgage than a price reduction of the same amount. Sellers will pay a little more (and net a little less) when offering a credit. I would recommend a seller to compare an estimated net sheet that compares a price reduction vs. seller concession. In a similar fashion, I would recommend buyers do a side-by-side comparison of loan estimate with and without a seller concession. Frank also shares why it is important to work with professionals when purchasing a home. If you would like to schedule a consultation with Frank, click here to access his calendar or email him at [email protected] You can also access the Mortgage Bankers Association's website here.

In this episode, Nathan and I speak with Joanna - a mutual client of ours who previously had been unsuccessful in attempting to purchase a home. When I met her in 2022, she mentioned that she would like to purchase a home eventually, but had some things she needed to sort out first. Throughout our discussion, it became clear that most of the obstacles and barriers she mentioned could be overcome with the loan product that Nathan Willis and I discussed in the previous episode, episode 056. I suggested to Joanna that if she really wanted to purchase a home, she may want to have a conversation with Nathan because home ownership could be closer than she envisioned. Further, if she wasn't yet mortgage-ready, a conversation with Nathan could help her determine when she would be mortgage-ready and the steps she would need to take to get there. She did just that and closed on her home a few short months later. Joanna also shared some insights and information she learned throughout the process. Not only was she able to purchase a home, but she has enjoyed seeing that home appreciate approximately $60-70,000 in the year she has owned it. If you would like to have a consultation about the home-buying process, Nathan and I would be happy to have a no-pressure, no-obligation conversation. You can reach me by phone or text message at 727-282-4335 and you can reach Nathan by phone or text message at 260-418-3742. Thank you for tuning in!

Nathan Willis with Southstate Bank joins me again (previously featured on Episode 44) and this time we are discussing a loan geared towards first-time homebuyers. Originally from Springfield, MO, the Southwest Missouri State graduate transitioned from corporate sales into the mortgage industry approximately 20 years ago. Nathan's father was a contractor and he was familiar with the real estate industry. He enjoys being able to help his clients achieve home ownership. In this episode, Nathan answers the following questions: What is the biggest misconception buyers face right now? How is the market different from when you started in 2002? How can borrowers today feel confident they're not going to put themselves in jeopardy of defaulting on that loan with interest rates and inflation where they are right now? From your experience, what is the biggest mistake buyers make either in preparation of obtaining a mortgage or during the loan process? What is the definition of a first-time home buyer? What are the loan parameters for this loan where borrowers can obtain 100% financing with no private mortgage insurance and potentially get credit for closings costs up to $12,500? For people who would like to consult with Nathan, you can reach him by phone at 260-418-3742 or via email at [email protected] Thank you for listening!

The market has slowed considerably since the pandemic frenzy. Since then, interest rates have eclipsed 8% and exceed 7%. These rates may seem astronomical following the historically-low rates we saw in 2020 and 2021. And, yet, the current interest rates hover near the median interest rate since 1975 (7.14%) and far lower than the 18.63% rates experienced 1981. For buyers who are looking to make a purchase, Jason Williams with Guild Mortgage speaks about where the opportunities are and why making a purchase still can be a great investment despite the current interest rates. If you would like to speak with Jason to determine whether or not you are mortgage-ready, you can reach him by phone at 317-847-7161 or via email at [email protected]

In this episode, I speak with Andi Menaul with Motto Mortgage Impact. Andi and I share many passions, one of which is working with and helping service members and veterans. We both have histories of working with service members and veterans prior to entering the real estate in our respective roles. We chat about how the VA loan is different from other loans such as FHA, conventional, jumbo and portfolio loan products; we discuss the eligibility requirements and some additional benefits veterans with disabilities are eligible for. We also discuss the possibility of using a VA loan to refinance an existing mortgage as well as the fact that VA loans are assumable and the pros and cons of assuming a VA loan. If you found this podcast to be informative and you'd like to speak further with Andi about obtaining a mortgage, you can reach her by phone at 727-667-5936 or via email at [email protected]. Thank you for listening! Please share this episode with anyone you feel could benefit from this information.

In this episode, Nicole Saunches speaks with Alexa Price of the Price Mortgage Group at Go Mortgage.  Born and raised in Tarpon Springs, Florida, Alexa was raised in a family with deep roots in the real estate industry.  She has been in the mortgage industry since 1995 and has a wealth of knowledge.  Alexa and the Price Mortgage Group are backed by Go Mortgage, an innovative mortgage company that offers a variety of tools. As the market conditions shift from an incredibly fast-paced market towards a normal market following the pandemic, Nicole and Alexa discuss whether or not it is still a good time to buy, current opportunities for buyers in the market as well as challenges that buyers are facing in this market.   Alexa also shares why it is important to have an in-depth consultation with your lender prior to obtaining your pre-approval so buyers can be confident with their pre-approval and have a good understanding of all of the elements of the transaction, including the estimated mortgage, closing costs and pre-paids (such as property taxes and insurance).  She also discusses why the credit scores consumers see when they check their credit scores are almost always different from a consumer's score when their mortgage lender runs their credit for the loan application. Alexa also speaks about what differentiates the Price Mortgage Group and Go Mortgage from other lenders.  If you would like to speak with Alexa, you can call or text her at 727-409-3869 or you can visit her website here. Thank you for listening!  If you find this episode to be informative, please share!  And, if you would like to make a request topic for a future episode, please email Nicole at [email protected] or call or text her at 719-201-5022.

In this episode, I talk about the difference between a condominium, coop, townhome and villa.  Additionally, I outline the documents sellers should provide to buyers when purchasing a condominium or coop.  It is important for sellers to provide buyers with those documents as soon as possible because buyers have a three-day rescission period when requesting the documents in writing. When buying a condo, you should receive the following documents from the seller: a current copy of the declaration of condominium, Articles of Incorporation of the association, Bylaws and Rules of the association, FAQs and a copy of the most recent year-end financial information.  You should also receive a Condominium Governance Form from your real estate agent. When buying a coop, you should receive the following documents from the seller: a current copy of the Articles of Incorporation, Bylaws, Rules of the association and the questions and answers sheet. BUYERS:  If you are purchasing a condo or coop and obtaining financing, it is especially important to get those documents as soon as possible because these documents play a huge part in financing, in particular the budget. SELLERS:  I would strongly advise sharing these documents as soon as the contract is executed so the rescission period is within the first few days of the escrow period and the buyer doesn't have the opportunity to extend closing or void the transaction late in the process because the documents were not shared. If you would like to review the condo governance form or any of the riders or addenda mentioned in this episode, please contact me and I would be happy to email those documents to you.

In this episode, I discuss business banking with Tiffany Street and why it is important for business owners, especially entrepreneurs to open a business bank account when they establish their business. Additionally we discuss: what documentation a business owner needs to do to start up a business account how a business owner's personal finances, credit and income impact the business' bank account what is required to secure a business credit card and/or utilize other products available, such as a loan, line of credit, equipment loan, business real estate loan, etc Programs available for business owners such as payroll, wire transfers, payment processing, retirement accounts, employee benefit packages, financial literacy education for your employees, etc. Fraud protections provided by business accounts whether or not there is a stigma for business owners that don't accept credit cards whether or not your customers think your prices are negotiable if you accept payment via apps like Venmo, Cashapp or PayPal myths and misconceptions about setting up a business loan an entrepreneurial venture that Tiffany has embarking on and her biggest AHA moment of the process that has taught her to always be open to the possibility. If you would like to speak further with Tiffany to get additional information or set up a business account, you can send her a direct message on Instagram.  Her handle is @tiffanybriana Thanks for listening!

In this episode of the Selling St Pete podcast, I chat with Kelly Abanda, founder of the Biz Bestie Lounge, on the power of community and collaboration.  Kelly shares with listeners her journey from the Midwest, to LA, to a 4-year global road trip, and what led her to relocate to St Petersburg in the summer of 2022.   Along the way, she learned powerful and valuable lessons that gave her the confidence to take the leap and start her own business.   I didn't realize how many entrepreneurs reside in St Petersburg, Florida until I became one myself.  And in my own entrepreneurial journey have discovered how isolating the entrepreneur's journey can be.  Enter Kelly Abanda and the Biz Bestie Lounge.  This new  venture was birthed from her own entrepreneurial journey and pain other entrepreneurs have shared with her regarding their experiences with their business ventures.  The Biz Bestie Lounge is a paid membership for female entrepreneurs where they are given a collaborative space where they can be heard and given feedback from other entrepreneurs on a weekly basis.   To learn more about the Biz Bestie Lounge or the next Solopreneur Social, you can find Kelly instagram at @kellyabanda Also, I want to give big shout-out to St Pete Girl Bosses for bringing Kelly and I together.  If you are a female entrepreneur in St Pete and are looking for a community that educates, elevates and collaborates - this community is for you.  You can get more information by visiting the website or attending one of the free coffee networking events. Or feel free to DM me or Kelly and we would be happy to chat with you about the community.  Thanks for listening! Please share with anyone you think can benefit from hearing this episode.

In this episode of the Selling St Pete podcast, I provide a market update with nationwide and local data.  The presentation utilized in this episode was prepared by Brian Buffini, the National Association of Realtors and the Florida Realtors Association. As I mentioned in the podcast, real estate is hyperlocal.  If you would like to receive a market update specific for your neighborhood, community or subdivision, please email me at [email protected] with the subject line: Personalized Market Update and I will prepare a report specific to your community.  Additionally, if you would like to track your home's values (and have an estimate that is far more accurate than Zillow's Zestimate), click on this link and add your information and you will receive a monthly update estimating you're home's market value. I'd love to connect with you if you're considering buying or selling your home.  Even though I am licensed in Florida, I can connect you with real estate agents globally if you are looking to buy or sell outside of Florida. Thanks for tuning in!  Please don't hesitate to reach out if there is a specific topic that you would like for future episodes.  Happy New Year!

In this episode of the Selling St Pete podcast, I have recorded my most personal episode yet;  I am speaking with Margaret Wright from an Ounce of Prevention about health and wellness and the role nutrition and supplements play in optimal living.

In this episode, Nicole Saunches interviews Leah Negri, General Manager of Platinum National Title.  For Leah, this is a family affair as she and her mother manage Platinum National Title and between the two of them have more than 50 years of experience in the title industry!   Leah and Nicole speak about the importance of title insurance and why it is critical to store your title insurance policy in a safe space.  Additionally, they discuss how a defect in the title, also known as a cloud in the title, can delay and/or derail a transaction.  They discuss examples of title defects we have experienced as well as share a tip for sellers that it may be beneficial to have a preliminary title search in advance of selling your property to ensure there aren't any title defects that need to be remediated.  As evidenced in the examples, sometimes there are defects that occur due to clerical mistakes or previous owners and are out of the current sellers control.   Real estate laws vary by state.  For example, did you know in the state of Florida a title company only insures the property's legal description (as opposed to the property address or parcel ID).  Leah and Nicole also discuss a couple of other ways the real estate business is different in other states as well as other counties within Florida.   Additionally, Leah suggests obtaining an owners encumbrance report for properties that buyers may be bidding on at auction to help prevent a buyer from inheriting previous owners' title defects (such as delinquent property taxes, IRS liens or delinquent HOA fees - just to name a few).   Finally, Leah and Nicole share a tip on how a buyer or seller (depending on who is purchasing the owner's policy) can get a rebate on title insurance if the property is sold within three years of the policy.  And, hint, the same tip applies for buyers who refinance within three years of purchasing their home.

In this episode, Nicole speaks with KC Kephart - a functional medicine nutritionist, Board Certified health coach and founder of the Feel Good Formula.  They discuss: Why she chose to specialize working with women who have autoimmune diseases the definition of autoimmune diseases are the most common symptoms women with autoimmune diseases experience the connection between autoimmune diseases and leaky gut syndrome some of the biggest lifestyle habits and contributing factors for developing autoimmune diseases how dietary choices can play a role in alleviating the symptoms for autoimmune disease how to access her course, The Feel Good Formula for Women with Autoimmune Disease To book a free 20-minute nutrition review or register for her course, go to: www.nutritionwithkc.com To access the directory of wellness-minded health professionals, click here Thank you for listening!  Please share with anyone you feel could use this information.

In this episode, I am joined by Mike Romano with Thrive Mortgage.  We discuss: the difference between a buyer's market and a seller's market the rapid increase in interest rates in 2022 an historic view of interest rates in the last 50 years the pace of new construction and how that plays a role in the inventory we look at data points for several categories all the way back to 2008 to see how the market during the 2008-2009 crash compares to the market when the pandemic began to today's market If you would like to connect with Mike, you can get his contact information here: https://financingbymike.com/ You can reach Nicole via email at [email protected] or by phone/text at 719-201-5022. Thanks for listening!

On this episode, I'm joined by Nathan Willis with South State Bank and we will be discussing South State's Physician Loan.  This portfolio product offers medical doctors (MD), doctors of Osteopathic Medicine (DO), dentists, and veterinarians who possess a 700+ credit score with a 100% loan to value mortgage up to $750,000, a 95% loan to value mortgage up to $1M for applicants with a 720+ credit score, and loan from $1M to $2M with a 720 credit score and just 10% down.   All of these loans are available without private mortgage insurance (PMI) resulting in big savings for the borrower. These loans are available as 15-, 20- or 30-year fixed or 5-, 7- or 10-year adjustable-rate mortgages (ARMs). This product is available for primary residences whether single-family homes,  condominiums, planned unit developments, or duplexes. If you have any questions or for more additional information on this loan product, you can reach Nathan Willis by phone at 260-418-3742.  

Have you recently purchased a property in Florida? Did you have a homestead exemption on your previous home? Did you move less than two years ago?If you answered yes to these questions, did you or are you planning to apply for the portability benefit? If not, you may be leaving money on the table. In this episode, we take a deep dive into the Save our Homes cap, portability benefit, homestead exemption, and additional exemptions residents of Florida may be eligible for and how these elements can save homeowners money on their property taxes when compared to homeowners who are not eligible for and/or not using those benefits. The website that was featured in the episode is: www.pcpao.org This episode also discusses why it is crucial to use the tax estimator when purchasing a new home. As mentioned in the episode, the assessed value resets when the ownership changes hands. This reset has caught many buyers off guard when they assume their real estate taxes will be similar to those of the prior owner because it could change dramatically the next tax year if exemptions no longer apply if the homeowner has been a longtime primary resident and has been taking advantage of the save our homes cap for an extended period of time and/or if there is a large differential between the purchase price of the previous owner and the current purchase price. In some cases, taxes have increased more than two or three times the amount the previous owners were previously paying. I love being able to help people save their hard-earned money and put it back in their pockets. Please share this episode if you know anyone who can benefit from the information. If you would like to share a show idea for an upcoming episode, please feel free to call or text me at 727-282-4335 or email me at [email protected]. Thanks for tuning in!

In this episode, Nicole Saunches explains how property taxes are calculated in Pinellas County, including what variables impact property taxes, how exemptions and valuation caps are administered, how the taxing authorities set their budgets each year and how homeowners can work with the property appraiser's office to ensure their property values are fair and accurate. I think this is an important conversation because buyers assume when they purchase their home that their property taxes will be similar to the taxes the current homeowner is paying and in some cases that couldn't be further from the truth. In Florida, property taxes are paid in arrears and the tax bills are mailed out in November, meaning that the tax bill that was sent out last month, was the bill for January 1-December 31 of this year.  The sooner the bill is paid, the less the homeowner will pay in taxes.  For example, a tax bill mailed to an owner in November 2020 states the property taxes owed for 2020 are $3,370.18.  The amount of the bill could increase depending on when the bill is paid.  If the bill is paid on or before Nov. 30, the amount due is $3,335.43 saving the homeowner approximately $35. If paid by December 31, the amount due is $3,370.18.  If paid by January 31, the amount due is $3,404.92. If paid on or before Feb. 28. the amount due is $3,439.67. If paid by Mar. 31, the amount due is $3,474.41.  They are considered delinquent as of April 1. Other topics discussed in this episode include: Save Our Homes Portability Benefit The recapture rule the property tax estimator tool the TRIM notice information regarding the Value Adjustment Board and the petition process property tax payment options, including an installment payment plan tax certificates and tax deed sales Click here to access a list of tax exemptions and how to apply for them (click on the tab labeled Exemptions/Save-Our-Homes/Portability in the menu on the left) Click here to file for the homestead exemption Click here for information on Amendment 6 Click here to see an example of portability showing how the save our homes portability benefit is calculated Click here for a link to the tax estimator Click here to access the Pinellas County millage rates levied in previous years Click here to access a sample TRIM notice Click here for information regarding the value adjustment board process Click here to access the application for the 2021 Pinellas County property tax installment payment plan Click here for information on tax certificates and tax deed sales Click here to access the tax certificate sale Additional resources: Florida Department of Revenue website Pinellas County Tax Collector website Pinellas County Property Appraiser website Pinellas County Clerk of Circuit Court website

In this episode, I discuss customary closing costs for buyers and sellers in a residential real estate transaction. O break down the costs customary for sellers and for buyers as well as some differences in closing costs when buying new construction. Additionally, I offer several ways to potentially save money at closing. I hope this episode has been informative and useful for you. If you think so, please consider leaving a review or sharing with someone who could use the information. Thanks for listening!

In this episode of the Selling St. Pete podcast, we examine whether or not we can expect the outcome of the presidential election to have an impact on the real estate market. In a year filled with adversity, the real estate market has actually been a bright spot with strong sales - so strong in fact, they are the most since 2005 in February, July, September and October.It’s quite possible we would have had more months had we not experience massive economic shutdowns due to the pandemic. I believe sales in Pinellas County and the Greater Tampa Bay area will remain strong for the foreseeable future for the following reasons: • historically low interest rates • prices continue to rise • low inventory • strong buyer demand

Several years ago Sean Doyel was looking after his friend's home while he was away.  On one of his inspections, Doyel encountered a pipe that had burst in the ceiling and had caused approximately $75,000 in damage to the property.  The homeowner filed a claim with his insurance company and the claim was denied.  The homeowner went to court to try and compel the insurance company to pay for the damages and Doyel was brought in as a character reference. The suit was dismissed because the magistrate determined there wasn't adequate proof of inspections and that Doyel lacked the proper professional experience as a home inspector or home watcher.  Sean sought out information regarding what that training entailed and is now a certified home watch inspector and his business, While You're Away FL, LLC is accredited with the National Home Watch Association.ed.  Unfortunately, for his friend,  he had to pay out of pocket for the repairs.  For Doyel, however, a business was birthed from this experience. While You're Away Home Watch Services comes to your home on a pre-determined basis and checks the interior and exterior of your property to look for potential issues that may arise. If they discover anything, they will contact you immediately and, if needed, coordinate with you to have the problems fixed or remediated. As a While You’re Away Home Watch client, they will set up a custom home watch plan based on your specific needs. They will complete and send to you a detailed Inspection Checklist every time they visit your home, along with the date, time and photos documenting the visit (if his friend had this documentation in his lawsuit from a properly certified professional, he likely would have won his case). Additionally, they offer concierge services such as: airport transportation, grocery shopping & stocking, hurricane shutter installation & removal, package pickups, watering plants, replacement of air filters, smoke detector batteries, light bulbs, etc. If you would like schedule a free, no-obligation consultation with While You're Away, you can reach them by phone at 727-667-5101, via email at [email protected].  You can also get more information at their website at whileyoureawayfl.com

Are you looking for a Lease with a Right to Purchase? Are you looking for transparency, choices, value, control and flexibility? -Transparency: Upon entering this program, you are given the monthly lease and purchase price informaiton each year for up to five years so you can plan for the future -Choices: This investment firm provides access to the MLS listings in the communities they serve, expanding your selection to all qualifying homes for sale -Value: The investment first uses their skill to purchase the home you want, providing you with an affordable lease and a pre-set purchase price each year for up to give years. There are no hidden fees or non-refundable deposits. -Control and flexibility: You have the right to purchase the home at any time during your residency, at the pre-set price. If the home value appreciates above this price each year and you choose to purchase it - congratulations! -you realize the financial benefit. If the value of the home declines, you can choose to continue to lease it, you can choose to not to renew your lease and walk away without penalty, or you can choose to move forward with the purchase but would be responsible for making up the difference between the appraisal and the pre-set purchase price. To learn more about this program or to apply, please contact me via email at [email protected] or call or text 727-282-4335.

In this episode, we talk about what buyers can do to write a compelling offer that captures the seller’s attention in a multiple offer situation.  My top three tips are: 1) Show you are qualified, and are the best candidate, to purchase the home 2) Find out what's important to the seller and include it in your offer, and conversely, do not include the seller's non-negotiables in your offer 3) Write your best offer - you may not have the chance to counter your offer and you only have one chance to make a great first impression - write an offer that if your offer isn't accepted you aren't left wondering, "what if?" Additionally, I talk about utilizing back-up offers in the event your offer isn't selected.  There are a variety of reasons a deal may fall apart.  If you have a back-up offer in place, rather than the home going back on the open market, it instead goes to the back-up offer in first position.  Since March I have written four back-up offers and 3 of 4 have gone into effect. Lastly, if you want to try and avoid multiple offers at all cost (which is very difficult to do in our current market), I offer five strategies on how to avoid multiple offer situations: 1) See if you can access off-market listings 2) Consider For Sale By Owners (with the guidance of a seasoned real estate advisor) 3) If you desire to be in a specific neighborhood or building, consider writing a letter to current owners and see if they are considering selling.  You may be able to broker a deal without the property ever going on the market. 4) Be the star of your own HGTV show and utilize a renovation loan to purchase and renovate a property (Don't know what a renovation loan is?  No problem, check out episode 13 of this podcast!) 5) Look at listings that have languished on the market.  Sometimes the only thing wrong is the initially listed the sales price too high and how has to drop to a price that buyers feel comfortable paying. I hope this episode provides helpful tips for anyone who is encountering multiple offer situations.  May you be successful in having your offer selected and purchasing your next home! If you are in need of a real estate advisor in the Tampa Bay market, I would love to interview for the job!

In this episode, we take a look at Brian Buffini’s mid-year real estate report and compare the national numbers in that report to what is happening here locally in Pinellas County. Following this episode, I will be taking a brief hiatus to re-Group and will resume with new episodes in October. I would love to know if you have topics that you would like to request or have questions that you would like answers to. You can reach me via email at [email protected] or call or text me at 719-201-5022. Thank you so much for listening, viewing and sharing this podcast. It has been a real pleasure watching this audience grow. Thanks so much for your support!

On this episode of the Selling St Pete podcast, I share why I am a fan of the Homesnap app.  This mobile application can be downloaded on mobile phones or can also be accessed via the web at www.homesnap.com.  Outlined below and in this episode are all the reasons I am a fan of the Homesnap app. Homenap offers a national search portal  Homesnap is syndicated with all of the multiple listing services and will immediately alert you to new listings, price changes, and any other market updates in the zip codes you want to watch.   Homesnap allows you to search by a variety of filters including but not limited to: by a specific school district, school ratings, scheduled open houses, property type, property features, listing date, lot size, HOA fees, number of stories  On certain mobile phones, the Homesnap app allows you to walk the property lines via augmented reality. You can message directly with me or the real estate agent you are working with directly in the app.  If you would like to connect with me, you can do so via this link: homesnap.com/Nicole-Saunches Homesnap's in-app messaging allows you to share homes with friends, family and your real estate agent, even if they aren't on Homesnap and their reply will go right back into the app so you can find and discuss homes all in one place. The app has a built-in mortgage calculator and net sheet so buyers can estimate their mortgage and sellers can estimate their net profit when selling their home The app allows you to draw on the map and narrow down the search to the area you want. The app allows you to type in up to five addresses and will compute an estimated commute time for the distance from the address to the property you are looking at. You can even take a photo of a property and get details, which is how the app got its name in the first place.  For homes that are actively listed in an MLS, you will be delivered a property card with all of the details and for homes that are not actively listed in an MLS you will get data from public records. I highly recommend connecting to the Selling St Pete Facebook page so you can see the corresponding video walk-through. You can do so here.  And, thanks for tuning in!

In this episode, I speak about the nuances of condo financing with Nathan Willis of CenterStage Bank.

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In this episode, I'm joined by Paul Valenti and Jeffrey Lorick from the Pinellas County Office of Human Rights and we are going to be talking about Fair Housing.  A few months ago, I attended a training these gentlemen put on at my realtor board, the Pinellas Realtor Organization.  The training was about how implicit bias can have an impact on Fair Housing laws.  The training was one of, if not the best, training I have experienced in my real estate career. In light of the recent events across our nation as it relates to COVID-19 as well as the civil unrest, I thought this was an important conversation to share with listeners and viewers and I wanted to share this important information with as many people as possible. In this episode we discuss: Who is protected under the Fair Housing Act What fair housing laws prohibit and who is exempt from the law Local, State and Federal Organizations that enforce Fair Housing Laws What happens if a person is found to be in violation of Fair Housing Laws The use of service animals and emotional support animals, in particular as it relates to pet restrictions and pet policies  Additionally, the Pinellas County Office of Human Rights together with the Tampa Bay Fair Housing Consortium, Gulfcoast Legal Services and the Hispanic Outreach Center will be holding a pair of free webinars for Landlords, Property Managers and Tenants on Friday, July 17 and Friday, July 24.  Each event will start at 1pm.  Go to tbfhc.org/events to learn more about the events and to register to attend Additional Fair Housing Resources: Pinellas County Office for Human Rights website U.S. Department for Housing and Urban Development  Municode website If you feel you need to file a Fair Housing violation with the Pinellas County Office of Human Rights, you can call the office at 727-464-4880 or download an intake form from the website

To build or not to build - that is the question for this episode of the Selling St. Pete podcast. Today we’re going to be talking about new construction. When it comes to buying a new home, a buyer may opt for a newly constructed home over an existing home, especially in a market that is expanding rapidly. In this episode,  we’re going to take a high-level overview of new construction. We’ll be looking at factors to consider when deliberating between purchasing an existing home or new construction.  We'll discuss the difference between tract, spec and custom homes, the pros and cons of new construction as well as questions to ask when deliberating a new build. We also define what a Community Development District fee and what it entails.  Below are the designated items that CDD fees It is important to note that payments for CDD fees are tax-deductible, like your property taxes, however, they are not to be confused with HOA fees.  CDD fees are paid in addition to HOA fees, if HOA fees exist in the community. Section 190.012 of the Florida Statues limits the special powers of the CDD to a defined set of services and facilities.  They are: water management and control water supply, sewerage and wastewater management bridges and culverts district roads and street lights public transportation including buses, trolleys, transit shelters, ridesharing facilities and services, parking infrastructure and related signage Investigation and remediation of environmental contamination conservation areas, parks and recreational facilities fire prevention and control school buildings and related structures security, but not the exercise of any police power waste collection and disposal mosquito control If you are considering purchasing new construction - here are some questions to ask: Is the lot cost included? Are there premium costs for certain lots?  How long will my home take to build and what happens if you don’t make the date? Does this include the time to get permits? When do extras have to be paid? Upfront or at closing? How much customization can be done? Am I able to make any modifications or upgrades once construction on the home has started? What warranties are provided with the home? What do the warranties include & how long do they last? What are the standard finishes? Are you allowed to purchase your own appliances or materials? If you can bring in your own appliances or materials, will the builder provide a credit? Is landscaping included? If yes, what does it entail? Is there any warranty on the materials used? Does the contract include an escalation clause? Is there an HOA? What are the dues? What do they cover?  If not, are there any protective covenants for the neighborhood? Does the builder’s preferred lender offer any financial incentives? What are the anticipated property taxes? What are the anticipated HOA fees? Is there a CDD? Can you give me references from prior buyers? How quickly will punch list items be completed after the final walk through? If there is a major item that hasn’t been completed or is on backorder, it may make sense to ask the builder for an escrow holdback of funds to ensure these things will be finalized

On this episode of the Selling St. Pete Podcast, I'm joined by Susan Vaughn a fellow real estate advisor with me at Coastal Properties Group, Christie's International Real Estate and today's topic is pocket listings. Our definition of pocket listing is:  a property where a broker holds a signed listing agreement with the seller, whether that be an Exclusive Right to sell or Exclusive agency" but which is never advertised publicly or published to multiple listing service (MLS) members. It's important to note that a pocket listing is not the same as a For Sale By Owner - also known as a FSBO.  In the case of a pocket listing, the sellers are still working with a listing agent, they simply want their property to be marketed in a different manner. In November 2019, the National Association of Realtors voted in support of a new "Clear Cooperation" policy mandating how properties are marketed to the public, essentially ending the practice of "coming soon"  The policy states: "Within one business day of marketing a property to the public, the listing broker must submit the listing to the MLS for cooperation with other MLS participants.  Public marketing includes, but is not limited to, flyers displayed in windows, yard signs, digital marketing on public-facing websites, brokerage website displays, digital communications marketing, multi-brokerage listing sharing networks, and applications available to the general public).   Additionally, we talk through the pros and cons of pocket listings and why sellers and buyers may choose to utilize or pursue pocket listings. We also referenced National Association of Realtor's  Code of Ethics