Top Planned Communities in Naples, FL 34103
Recent Reviews View all
Dustin J. Beard, ABR, CRS, GRI
By jen0915 August 30, 2012
My husband and I are real estate agents in Iowa. We had my mothers condo on the market for almost two years with another agent with no results. We were constantly having to call the agent for information about our property. It was a very frustrating experience. Dustin became our agent and everything changed quickly. He was very knowledgeable about the market and kept us constantly informed. Despite the difficult market Dustin was confident he would sell the condo and he did within four months!!!! We had mitigation issues that needed to be handled before closing. He went above and beyond to get these issues resolved. The closing ran smoothly and on time all because of Dustins hard work and diligence. He is truly a professional, very personable and a pleasure to work with. He totally takes charge. You know he cares and he will work very hard for you. We would use no other agent and he will be recommended to all our clients and friends who will be looking to buy or sell in the Naples area ...read more
Ann Richardson REALTOR ~ Premiere Plus Realty Co
By Jo Jones LLC May 29, 2010
Hi Ann, The designations that you hold really show your committment to this business and your clients. Keep up the good work! ...read more
A Delta Realty of Naples Florida
By Barnett Associates Real Estate, LLC May 12, 2008
Glenn Ginnsburg is a highly professional and knowledgeable REALTOR. He has provided my clients with supberb services and would be a great asset to anyone seeking FL real estate services. ...read more
New Photos 27 photos
Blogs View more
5 Signs the Market is Recovering Fast
1. Both asking price and rents jumped 5 percent from last year Trulia’s latest Price and Rent Monitorsshowed a big boost in asking prices across the U.S. – up 5.1 percent year-over-year. This a drastic change from the double digit declines of previous years. The relevant news for your buyer and seller prospects isn’t just that home prices are climbing, but that renting is getting more expensive as well. The statistics showed rents are up 5.2 percent year-over-year. If you understand supply and demand, it’s obvious that these two facts point toward more real estate moves happening, and that consumers have gotten over the angst of previous years and shifted into the “recovery mindset.” 2. Mortgage rules got a renovation. Predatory lending practices linger near the top of many economists’ blame lists for the most recent market decline. And, after years of fallout from bad mortgages, capable buyers have been, understandably, slow to purchase. For those buyers who’ve been anxious about the by Text-Enhance" id="_GPLITA_4" href="http://pro.truliablog.com/tools-trends/5-signs-the-market-is-recovering-fast/?ecampaign=tnews&eurl;=pro.truliablog.com%2Ftools-trends%2F5-signs-the-market-is-recovering-fast#" in_rurl="http://i.trkjmp.com/click?v=VVM6MjY1NDY6MTE6bW9ydGdhZ2UgcHJvY2Vzczo5ZTFiMTA0ODJiMjUxNTY2YTU1NjcxYmExMTViNWJkNDp6LTEwNDEtOTE1NDU6cHJvLnRydWxpYWJsb2cuY29tOjA6MA" style="margin: 0px; padding: 0px; border: 0px; font-size: 16px; font: inherit; vertical-align: baseline; color: #ff5c00; outline: 0px; line-height: inherit;">mortgage processand skeptical of the predatory lending, this Thursday brought great news and a sure “go” sign for them to jump into the market. Thursday the Consumer Financial Protection Bureau released it’sby Text-Enhance" id="_GPLITA_1" href="http://pro.truliablog.com/tools-trends/5-signs-the-market-is-recovering-fast/?ecampaign=tnews&eurl;=pro.truliablog.com%2Ftools-trends%2F5-signs-the-market-is-recovering-fast#" in_rurl="http://i.trkjmp.com/click?v=VVM6MjU4NjQ6MjA6bmV3IG1vcnRnYWdlOjU0ZGY2MWRiNTkyNDI0OGQ4MjM2Zjg0ZjJhOGNhNDJiOnotMTA0MS05MTU0NTpwcm8udHJ1bGlhYmxvZy5jb206MTU2NTY6ZmM3NTZkZmVkY2M5MGYxNmYwZWIzMjkyOTFkOGYwM2Y" style="margin: 0px; padding: 0px; border: 0px; font-size: 16px; font: inherit; vertical-align: baseline; color: #ff5c00; outline: 0px; line-height: inherit;">new mortgage guidelines which are “a set of standards that protects consumers from bad loans” according to David Stevens, CEO of the Mortgage Bankers Association. The new guidelines show that banks and the government are working out their differences to create a safer, more secure environment for homeowner hopefuls. In addition, the new guidelines give those buyers access to mortgage best practices upfront to help them ensure they’re ready for by Text-Enhance" id="_GPLITA_0" href="http://pro.truliablog.com/tools-trends/5-signs-the-market-is-recovering-fast/?ecampaign=tnews&eurl;=pro.truliablog.com%2Ftools-trends%2F5-signs-the-market-is-recovering-fast#" in_rurl="http://i.trkjmp.com/click?v=VVM6Mjk5MzA6MjM6YXBwbGljYXRpb246ZGUxNzFiM2VmOGUwODcxYjBhYTM2NmMxYWE2MzVmNTA6ei0xMDQxLTkxNTQ1OnByby50cnVsaWFibG9nLmNvbToyNTk3MjpiMzk4YzQ5ZDVmMmMzYjMyYTFlYzhiNjc0ZmU5NTk1MQ" style="margin: 0px; padding: 0px; border: 0px; font-size: 16px; font: inherit; vertical-align: baseline; color: #ff5c00; outline: 0px; line-height: inherit;">application and ownership from the start. For a great summary of the new guidelines, check out CNN’s article “New Rules Aim to Make Mortgages Safer”. 3. Delinquency&foreclosures are at record lows. Declining delinquencies aren’t just fluffed headlines, the numbers support what it seems many agents are feeling. Delinquencies are down. According to Trulia’s Chief Economist, Jed Kolko, “ In November, 10.63% of mortgages were delinquent or inby Text-Enhance" id="_GPLITA_2" href="http://pro.truliablog.com/tools-trends/5-signs-the-market-is-recovering-fast/?ecampaign=tnews&eurl;=pro.truliablog.com%2Ftools-trends%2F5-signs-the-market-is-recovering-fast#" in_rurl="http://i.trkjmp.com/click?v=VVM6MjUzNDQ6MTQ1Mzpmb3JlY2xvc3VyZTo1ZDBjYTBhNTkxZWIxZmFkNjIzNzBmMzZkNDYzNDNhZDp6LTEwNDEtOTE1NDU6cHJvLnRydWxpYWJsb2cuY29tOjE0NzQ0OjdmMGZjOTVhMjFlYzVkMGJiYzQ0NDY0MmFhMGIxMmE2" style="margin: 0px; padding: 0px; border: 0px; font-size: 16px; font: inherit; vertical-align: baseline; color: #ff5c00; outline: 0px; line-height: inherit;">foreclosure, down a hair from 10.64% in October. The combined delinquency + foreclosure rate is at its lowest level in four years and is 41% back to normal.” These stats are good news for buyer’s agents whose clients and prospects need a boost of confidence. 4. 93% of Millenials plan to buy. Last quarter we released Trulia’s American Dream Survey and one of the top facts from our study showed that 93 percent of current millennial renters plan to buy. This is good news for an industry that’s suffered from years of skittish home shoppers and a lot of talk about by Text-Enhance" id="_GPLITA_3" href="http://pro.truliablog.com/tools-trends/5-signs-the-market-is-recovering-fast/?ecampaign=tnews&eurl;=pro.truliablog.com%2Ftools-trends%2F5-signs-the-market-is-recovering-fast#" in_rurl="http://i.trkjmp.com/click?v=VVM6MTkyMDc6ODU1OmhvbWUgYnV5aW5nOjFjNDAxNzhmYjdiZjhkNWU0NjI2MTNlYmVjODc4ODA3OnotMTA0MS05MTU0NTpwcm8udHJ1bGlhYmxvZy5jb206MjIyOTU6OGE2ZWNiYjY5M2YwNzM5MDIwODkzMmZkNDFmNGY4MmI" style="margin: 0px; padding: 0px; border: 0px; font-size: 16px; font: inherit; vertical-align: baseline; color: #ff5c00; outline: 0px; line-height: inherit;">home buying no longer being a part of the American Dream. 5. Investors rush in. Another sign that we’re on the way to a high-paced recovery is that investors are making major moves to capitalize on today’s opportunity. A recent story from Bloomberg covered how Blackstone Group, the largest U.S. private real estate owners, sped up it’s purchases of homes to try to beat out fast rising prices. This is a sign for on the fence buyers to start their hunt before the weather heats up and they face more competition than they can handle. Now is the perfect time if you are thinking of buying or selling in the Naples Real Estate Market Call or email me at anytime 239-821-6047 WWW.DonBreen.Com ...read more
By Realty Services of Naples at Keller Williams Realty January 11, 2013
Buy real estate in your IRA -- expand your investment horizons
If you’ve got an urge to sock away something in your IRA besides stocks, bonds and mutual funds, you may want to consider real estate. Raw land, houses, condos, commercial properties and even mortgage notes — you can use an IRA to broaden your portfolio.Ruby Barnett, an insurance company office manager in Oakland, Calif., says she always wanted to invest in property.“I read a book a few years ago, and it mentioned you could use an IRA to invest in real estate. My goal was to buy properties and flip them — rehab and sell them,” says Barnett. “But I ended up buying income property, so I have tenants. The rent goes into the IRA.”You can use an IRA for real estate investments whether you’re a hands-on person like Barnett or an investor who prefers relying on someone else’s expertise. But many people who do this seem to like being in the driver’s seat — they’re willing to learn.“We recommend it be an individual who knows the kind of assets they want to purchase. Know the subject matter reasonably well. If you’ve never bought real estate before you want to do a lot of homework,” says Hugh Bromma, It takes self-directionYou can’t buy real estate with your basic IRA; you need to open a self-directed IRA. Banks, insurance companies and brokerages will help you open a self-directed IRA, but, generally, they limit your investment options to the products they sell. To buy real estate you may have to find an independent administrator to serve as a trustee or custodian.“We help match the client with the administrator that’s capable of handling the type of transactions the client wants,” says president Patrick Rice. “We also match them geographically, and we match them up with price. You’ll pay between 40 and 150 basis points of your asset value in the IRA annually to have it serviced. It makes a big difference which one you choose because that can be a big chunk of change.”Fee-based administrators charge each time they do something. For instance, if they have to make weekly payments for your account they might charge $10 per payment.Ready to invest in a CD? Find the best yields in your area.An asset-based administrator charges a percentage of the total asset value annually. According to Rice, if you have a $40,000 portfolio you might pay from 1 percent to 1.5 percent in fees. If you have a million dollar portfolio you might pay .03 percent.A hybrid-based administrator charges a little of both, and Rice says that’s the way most administrators are going.If you opt for finding an administrator on your own, say, through an Internet search, talk to several before choosing one. The most expensive may not be the best, and the cheapest may not be a bargain.Rice advises avoiding a company that just opened its doors.“This isn’t necessarily to disqualify the administrator; but I’ve seen a lot of them come and go. It doesn’t mean the client will lose his money, but it probably means it will be tied up while it all gets sorted out,” says Rice. “Know their asset base; how much is under their control? How many years of experience do they have?“Talk to the reps, and make sure they understand what you’re doing and that they know how to do it. Look at their flexibility; a lot of administrators won’t take a real estate contract because they don’t understand it. Ask hard questions. Ask for an annual statement. What are their geographic areas? Ask about fees.”Once you find an administrator, they’ll walk you through the steps needed to set up a self-directed IRA. You can set up an account with new money, but then you’d only be able to fund it with the maximum IRA contribution each year. Or you could transfer some or all of the assets from your traditional IRA.Hugh Bromma of Entrust Administration says that for people who qualify, a self-directed Roth IRA is often best for real estate investments.“For those who make a lot of money in their investment portfolio, it has the best advantage. The earnings are tax-free at distribution compared to a traditional IRA where the distribution is taxed. If you take a small amount, say $10,000 and parlay that into a half-million or a million, in a traditional IRA you’d have to pay taxes on a million dollars.”Some administrators, don’t give investment advice. If you’re not a do-it-yourself type you may need to rely on a firm that specializes in finding real estate that’s suitable for your portfolio..Bishop says many of his clients are retiring or leaving a company, and they’re ready to rollover a 401(k) into an IRA. But they want to do something different from stocks and mutual funds.Beware the IRS red tapeOne reason you probably shouldn’t tackle an IRA real estate investment on your own is the IRS. The money-grabbing branch of the government has a lot of rules when it comes to using retirement funds for real estate.“Probably the most common question I hear is, ‘I’ve found a really neat time share and I want to buy it with my IRA, can I do that?’ Yes, you can,” says Patrick Rice of IRA Resource Associates. “Then they say, ‘I want to use it for a couple weeks a year.’ Well, no, you can’t do that. Most calls I get, people want to buy products for their own use.”Rice says the IRS allows you to use the land or building, but not while it’s in your IRA. For instance, you could buy a retirement home, rent it to someone else, put the rental income in your IRA, and, when you retire, take the house as a distribution. Then you can move in.Just to show how complicated this can get: You cannot rent the house to your spouse or your ascendants or descendants — grandparents, parents, children, grandchildren, etc., but you could rent it to your brother or sister while it’s in your IRA.Entrust’s Bromma says he sees very few people who want to use their IRA to buy a retirement home. He says the IRA is best when used for true investment property.Whether you want to use an IRA for a retirement home or commercial property, the IRS doesn’t really tell you what you can do with assets in your IRA — it tells you what you can’t do. Entrust has an extensive section dealing withprohibited transactions on its Web site.Consider your optionsYou don’t necessarily need a lot of money to make money on property with your IRA if you know what you’re doing. Hugh Bromma of Entrust says people who use options sometimes have just a few thousand dollars. An option gives you the exclusive right to buy a piece of property within a set period.“Suppose I like your house and would like an option to buy it in 60 days at $100,000. If I don’t, you get my option money — $1,000,” explains Bromma. “I hunt down a buyer who will pay $150,000. On day 59 I say I’m going to exercise this option and I give you $100,000. The next day I sell the property for $150,000. With $1,000 (option money) from the IRA, I made $50,000 on the deal.”Patrick Rice believes investing in real estate gives you more control than investing in the stock market.“You can drive by and look at a neighborhood, control the value of the property through maintenance, good tenants and foresee changes in the market a lot easier. When [Federal Reserve Chairman Alan] Greenspan drops basis points, that’s a good market for real estate. When he raises, you see it coming. It happens today but doesn’t hit the hometown market for three months; it gives you time to maneuver.”If you use an investment-locator company you’ll have the benefit of experts who can check out hundreds of properties and cherry pick the best ones.“We do the appraisals, get opinions; you get a couple inches of research to review,” says Rice.Ruby Barnett, the insurance office manager, who does her own research, says do as much homework as you can.“Last year, there were multiple offers on the property I bought. The seller takes a look and decides what they’ll accept. They don’t always take the highest price. What worked for me was I had cash and could close the deal sooner. I looked at the property, had inspectors check it out. I went with them. I got up on the roof with the inspector.”“There are people who say they want to get into real estate, but when they find out it’s really work, they don’t. When I do seminars, probably 10 percent of the people I talk to will follow through on doing these types of investments. They don’t have enough knowledge in their investment arena. I discourage them from doing anything until they do their homework.”Figuring out if real estate is the right way for you to broaden your portfolio choices will take some work, but you may be like Ruby Barnett and find it interesting and profitable.Call me for more inf on Naples Real Estate InvestingWWW.DonBreen.Com239-821-6047#naples real estate #naples realtor #Naples Florida real estate #Naples Real Estate ...read more
By Realty Services of Naples at Keller Williams Realty November 06, 2012
What Kind Of hardship Would My Lender Consider Legitimate?
Naples FL – The type of hardship that your lender will consider legitimate depends on the mortgage company considering the Short Sale request. In general, so long as the hardship is real&acceptable and the mortgage company believes the loan is likely to become delinquent. As a result, the Short Sale request will be processed by the Loss Mitigation Department. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. A big key to getting your lender to accept a hardship is to submit a strong hardship letter. The hardship letter sets the tone for the entire file. This letter must be honest and represent the facts clearly. It must prove to them that the situation that caused you to fall behind was temporary and you are now in a position to make your payments on time. Below are examples of “hardships” that are common and frequently accepted by mortgage lenders. 1. Family illness or injury. 2. Illness or injury in the extended family – particularly if it forces relocation. 3. Job relocation when the property is equity deficient. 4. Job loss or significant income loss. 5. Divorce or split of domestic partners. 6. Adjustment in mortgage payment or unforeseen increase in living expenses. Your lender will expect you to submit any relevant documentation that supports your claim of hardship. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail atDon@DonBreen.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 821-6047 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our Naples loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Don Breen. Don is a Real Estate Agent at Premiere Plus Realty. Phone: (239) 821-6047. Don@DonBreen.com. Exceeding the Clients Expectations View My homes for sale at www.DonBreen.com. Don Breen specializes in loan modification assistance and short sales in Collier County Florida. Naples Realtor, Naples Real Estate, Naples Fl. Realtor, Naples Short Sale Help, Naples Short Sale Realtor, Collier County Loan Modification Help, Collier County Short Sales, Collier County Short Sale Realtor. Collier County FL Short Sales. Collier County Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice Don Breen, Premiere Plus Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax adviser before making any decision. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go through with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale. The views expressed here are Don’s personal views and do not reflect the views of Premiere Plus Realty. This information on Naples Short Sale Question: What Kind Of hardship Would My Lender Consider Legitimate? is provided as a courtesy to our viewers to help them make informed decisions. ...read more
By Realty Services of Naples at Keller Williams Realty October 02, 2012