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Mortgage questions abound when you’re a first-time home buyer. Compounding the challenge is the embarrassment over interrupting the conversation with a would-be lender or seller to ask, “‘Scuse me, what is a credit score? How much money do I need as a down payment?” Everyone knows this stuff, right?

  www.realtor.com/advice/finance/your-mortgage-questions-answered

No, they don’t all know—so you should ask these questions. Or, at the very least, study up a bit so you know the basics. To help get you up to speed, here’s a crash course on the most common mortgage questions and answers you need to know. Take five to read on, and wonder no more.

1. What do you need to get a mortgage?

Before loaning you money, lenders want to see proof that you’ve proven reliable paying off past debts, so you’ll need to start establishing credit.

“There are ways to verify your past payments on utility bills, cellphone, and rent,” notes Michael E. Matthews, senior vice president of PrimeLending. “Get a credit card, pay it back carefully. Your car and college loans—those things help you establish credit and help you get a mortgage.”

2. If you have bad credit, how do you improve it?

Matthews talks to a lot of borrowers who come to him with this mortgage question. They think they have bad credit but are doing better than they think.

His first tip: Check your credit report.

It’s free to download one copy each year, and you may be pleasantly surprised by what you find. And if the news is bad, there’s still hope.

“If you’ve got bad credit, a lot of times there’s aged activity on there—an old collection, a medical bill, something you didn’t know about,” Matthews says. And these “errors” can often be fixed, boosting your credit score fairly quickly.

If you do have a bunch of bad marks and late payments, however, start paying on time and your score will gradually improve. Here are some ways to raise your credit score.

3. What’s the difference between a mortgage pre-approval and a pre-qualification?

“Pre-qualification is not going to hold the same weight as a pre-approval,” says Matthews. “You can go online and get somebody to print you out a pre-qual letter. And you’ll find that if you’re negotiating with an agent and they’re looking at a pre-qual letter, it’s probably not worth much to them.”

A pre-approval letter—involving lenders fully checking your finances in a verifiable way—takes more time and effort, which is exactly why it carries much more weight. If you’re serious about buying a home, get pre-approved to show you mean business. Here’s more on the difference between mortgage pre-approval vs. pre-qualification.

4. How much down payment do you need for a mortgage?

The gold standard down payment for a mortgage is 20%—so if the home’s price is $200,000, you’d ideally have to pony up $40,000 of your own money to get the loan.

If you don’t have that much, all is not lost. You can put down less, but that means you’ll have to pay PMI, or private mortgage insurance. It’s an extra fee of about $50 to $100 a month that lenders will require to mitigate the risk that you might default on your loan due to your lack of funds.

“There’s risk there that literally has to be accounted for, and that ends up being insurance that adds to your mortgage payment,” says economist Jonathan Smoke. “When you put less down, the trade-off is you actually have to spend more on a monthly basis.”

That said, there are some exceptions that allow a buyer to avoid PMI even with a small down payment. Buyers who are in the military, veterans, and family members of veterans may be able to avoid PMI with a Veterans Affairs loan. And once your equity in your home rises above 20%, you can stop paying PMI.

5. What kind of down payment assistance is available?

If you’re looking for help with a down payment, Smoke says, the “bank of Mom and Dad” may be a smart start—if your parents have the means to pitch in. Gifted money can help many people qualify for a loan, he says, although you absolutely must tell your lender that the money was a gift—fibbing on this front will raise red flags.

If private assistance isn’t an option, or isn’t enough, never fear—there are over 2,000 down payment assistance programs across the country that can help, as long as you meet eligibility requirements in terms of income and credit.

Check with your real estate agent or lender, as they may be able to tell you about programs in your area that will help you become a homeowner.

6. What types of home loans are available?

Loan types vary widely, but Barbara A. Carrollo-Loeffler, director of consumer and residential lending at Provident Bank in Jersey City, NJ, says loans typically fall into two camps. The first includes loans with an adjustable rate, meaning the interest rate could change after a period of time. The second includes loans that are “fixed” or “term,” meaning the rate will stay the same for the length of the borrowing period. Generally term or fixed-rate loans are more common and considered the safer option, but it all depends on your circumstances, including how long you plan to stay in the home.

Here’s more info on the pros and cons of various types of home loans, and which one is right for you.

For more smart financial news and advice, head over to MarketWatch.

Jeanne Sager has strung words together for the New York Times, Vice, and more. She writes and photographs people from her home in upstate New York.
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Interesting. Unfortunately, it makes sense when woman still make less than men in so many occupations.

home-buying-tips-for-single-income-women

SEATTLE – April 23, 2018 – Real estate website Estately recently conducted a study showing how America’s gender wage gap affects home affordability and ownership for women.

http://www.floridarealtors.org/NewsAndEvents/

To find out, Estately used 2016 U.S. Census data to compare men’s and women’s median salaries in the 50 most populated U.S. cities. Based on those salaries and assuming a monthly mortgage payment of 28 percent of the gross monthly income, the site used a mortgage calculator to determine the maximum home price each salary could afford.

Armed with this information, Estately reviewed the homes currently for sale in major cities across the country and identified the percentage of homes men versus women could afford.

The results in some urban centers were bleak. Seattle, for instance, has the biggest wage-based housing gap. Men can afford nearly 150 percent more homes than women.

Colorado Springs, Miami, San Diego and San Jose also topped the list with significant gaps. For instance, in Colorado Springs men can afford 122.5 percent more homes than women, while further down the list in San Diego, the difference is still a significant 68.5 percent.

With these results in mind, we asked real estate and personal finance experts to share their top tips for single women seeking to purchase a home.

Don’t let the down payment scare you away
Coming up with the funds to make a down payment on a home can often seem impossible, particularly when so many Americans have sizeable student loan bills and more.

Andrina Valdes, division president at Cornerstone Home Lending, urges buyers not to let this part of the process discourage them.

“Over and over again, potential home buyers report saving for the down payment as the biggest hurdle to homeownership. When you’re relying on one income to save up for it, the problem can seem insurmountable,” says Valdes.

The good news is there are all kinds of down payment assistance programs that can help individuals get into a home for less money down.

The Federal Housing Administration loan is popular among first-time and single-income home buyers thanks to its 3.5 percent down payment requirement. There are also programs offered by the Veterans Administration and also USDA loans that may require no down payment at all, says Valdes.

Line-up a guarantor or co-purchaser
The reality is that many single income households, whether they’re run by men or women, need assistance in buying a home in today’s market.

Experienced agent Julie Gans of Triplemint suggests lining up a qualified guarantor, co-purchaser or someone who might be able to gift money for your home purchase.

Consider a fixer upper
A growing trend among home buyers with limited means has been buying older properties and rehabbing them, says Ralph DiBugnara, president of Home Qualified.

“There are a few mortgage products in the market right now that make that easier,” said DiBugnara. “Fannie Mae has a loan called Home Style and FHA has what’s called a 203k loan. They both allow you to not only finance the purchase price but also construction costs in the loan to help your home look new.”

Look at homes well below your means
Real estate analyst Julie Gurner, of FitSmallBusiness.com, says it’s critical that single income households buy properties that are well below the amount they’ve been pre-approved for.

“You see that gorgeous home at the top of your range? Pass on it, and you’ll be glad you did,” said Gurner. “Single women and single income families have to be especially mindful to buy a home below their means … It gives them an additional expense cushion every month. Things come up. Doctor visits, your car breaks down, or your furnace breaking can be a big financial hit if you don’t have the ability to absorb it. On months where nothing goes wrong, you have the ability to save.”

As a single income earner, it’s important to protect yourself financially and be able to provide the necessities that make life stable. Having a home below your means can give you both and a great place to live.

House hunt during the right season
When it comes to finding an affordable home, time of year can make a big difference.

That means shopping during the right seasons, when prices traditionally are more negotiable and inventory is better, says Valdes.

Recent data from Trulia shows that there’s a 7 percent spike in starter home inventory during the fall, making it an ideal time to find a good deal. On the flipside, starter home inventory drops by more than 20 percent during the summer, making the warmer months a less appealing market.

Minimize credit card debt
As you embark upon your housing search, it’s critical that you reduce existing debt. This helps on a variety of levels.

For instance, not only does it make you a better mortgage applicant, it will also help once you’re in your new home dealing with a whole host of new expenses.

Gans, of Triplemint, suggest tackling credit card debt in particular.

“Pay off all credit cards prior to purchase to lower your income to debt ratio,” advises Gans. “This reduces your liability and makes you look more appealing to a seller.”

http://www.floridarealtors.org/NewsAndEvents/

Copyright © 2018 North Jersey Media Group Inc. This article originally appeared on Credit.com.

This is a short & sweet infograph explaining some of the many things that professional Realtors do for buyers and seller. There are approximately 180 different items that we do in each transaction, depending on the situation. Below is from Keeping Current Matters.

5 Reasons to Love Using A RE Pro [INFOGRAPHIC] | Keeping Current Matters

 

  • Hiring a real estate professional to guide you through the process of buying a home or selling your house can be one of the best decisions you make!
  • They are there for you to help with paperwork, understanding the process, negotiations, and helping you with pricing (both when making an offer or setting the right price for your home).
  • One of the top reasons to hire a real estate professional is their understanding of your local market and how the conditions in your neighborhood will impact your experience.

 

 

Homeownership: “The Reports of My Death Have Been Greatly Exaggerated”

The famous quote by Mark Twain in the title of this article can be used to describe homeownership in America today. Last week, the Census revealed that the percentage of homeowners in the country increased for the first time in thirteen years

Homeownership: "The Reports of My Death Have Been Greatly Exaggerated" | Keeping Current Matters

story in the Wall Street Journal gave these new homeownership numbers some context:

“The annual increase marks a crucial turning point because it comes after the federal government reined in bubble-era policies that encouraged banks to ease lending standards to boost homeownership. This time, what’s driving the market is a shift in favor of owning rather than renting.

‘This is market, market and market…There’s no government incentive program in sight that is having this effect,’ said Susan Wachter, a professor of real estate and finance at the Wharton School at the University of Pennsylvania, ‘This is back to basics.’”

In a separate report comparing the rental population in America to the homeowner population, RentCaféalso concluded that the gap is now shrinking.

“Undoubtedly, the recession had a great impact on homeownership…However, it looks like it takes more to discourage Americans from buying a house than that.

As the years go by, it seems more and more certain that the fact that renting has seen a sudden gain in popularity is more a reaction to the economic crisis than a paradigm shift in the Americans’ attitude toward housing.”

America’s belief in homeownership was also evidenced in a recent survey by Pew Research. They asked consumers “How important is homeownership to achieving the American Dream?”

The results:

  • 43% said homeownership was essential to the American Dream
  • 48% said homeownership was important to the American Dream
  • Only 9% said it was not important

Bottom Line

Homeownership has been, is and will always be a crucial element of the American Dream.

*Pictured Above – Mark Twain’s home in Hartford, Connecticut.
from Keeping Current Matters

Urban Institute recently released a report entitled, “Barriers to Accessing Homeownership,” which revealed that eighty percent of consumers either are unaware of how much lenders require for a down payment or believe all lenders require a down payment above 5 percent.”

Myth #1: “I Need a 20% Down Payment”

Buyers often overestimate the down payment funds needed to qualify for a home loan. According to the same report:

Consumers are often unaware of the option to take out low-down-payment mortgages. Only 19% of consumers believe lenders would make loans with a down payment of 5% or less… While 15% believe lenders require a 20% down payment, and 30% believe lenders expect a 20% down payment.”

These numbers do not differ much between non-owners and homeowners; 39% of non-owners believe they need more than 20% for a down payment and 30% of homeowners believe they need more than 20% for a down payment.

While many believe that they need at least 20% down to buy their dream home, they do not realize that programs are available that allow them to put down as little as 3%. Many renters may actually be able to enter the housing market sooner than they ever imagined with programs that have emerged allowing less cash out of pocket.

Myth #2: “I Need a 780 FICO® Score or Higher to Buy”

Similar to the down payment, many either don’t know or are misinformed about what FICO® score is necessary to qualify.

Many Americans believe a ‘good’ credit score is 780 or higher.

To help debunk this myth, let’s take a look at Ellie Mae’s latest Origination Insight Report, which focuses on recently closed (approved) loans.

2 Major Myths Holding Back Home Buyers | Keeping Current Matters

As you can see in the chart above, 53.5% of approved mortgages had a credit score of 600-749.

Bottom Line

Whether buying your first home or moving up to your dream home, knowing your options will make the mortgage process easier. Your dream home may already be within your reach.

 

PROFarm_3Qstats_postcard 2017 WEB (1)

 

PROFARM Neighborhood Advocates
Q3 2017 Stats (Nov. 2017)

Florida Realtors® recently released the 2017 quarter 3 real estate market statistics for the state. I wanted to be sure you had an overview of how our area is performing.

The Single Family Home and Townhome/Condo real estate markets in Pinellas County continue to thrive in the third quarter of 2017. Median Sale Price continued to rise in both segments. Closed Sales were down for Single Family for the first time in months. It’s highly possible that the hurricanes in September are the cause for this.

Median Sale Price for the third quarter was up for both Single Family and Townhome/Condo in Pinellas County. Median Days to Contract was down year-over-year for Q3 in both segments, meaning that properties are going to contract faster now than this time last year.

As your local REALTOR® and Neighborhood Advocate, I am your resource for data that affects our communities and your property value. Homeownership affordability and accessibility is a cornerstone of the REALTOR® advocacy efforts at every level – local, state and national.

Here are some highlights from the Florida Realtors® Quarter 3 2017 Statistics Release for Pinellas County for the Single Family Homes & Townhome/Condo Market Segments:

 

Closed Sales: Down for Pinellas County Single Family Homes and just slightly up for Townhome/Condo for Quarter 3 2017 from Quarter 3 2016. This statistic is a good indicator of the overall health of the market, and successful closed sales mean a win-win for both buyers and sellers.

  • Single Family Homes: 3,340 Closed Sales in Q3 2017 vs. 3,694 Closed Sales in Q3 2016, a 9.6% decrease
  • Townhome/Condo: 2,138 Closed Sales in Q3 2017 vs. 2,131 Closed Sales in Q3 2016, a 0.3% increase

 

Median Sale Price: Up for Pinellas County in both Single Family Homes and Townhome/Condo for Quarter 3 2017 from Quarter 3 2016. The median is the midpoint; half the homes sold for more, half the homes sold for less.

  • Single Family Homes: $240,000 Median Sale Price in Q3 2017 vs. $220,000 Median Sale Price in Q3 2016, a 9.1% increase
  • Townhome/Condo: $152,750 Median Sale Price in Q3 2017 vs. $132,500 Median Sale Price in Q3 2016, an 15.3% increase

 

Inventory (Active Listings): Down for Pinellas County in both Single Family Homes and Townhome/Condo for Quarter 3 2017 from Quarter 3 2016. When inventory is low, there are fewer houses on the market and buyers are often competing for homes or have a tougher time finding a home that suits their exact needs. Flexibility, planning and preparation are key to being able to make an offer on a home when you do find what you’re looking for.

  • Single Family Homes: 3,027 Active Listings in Q3 2017 vs. 3,275 Active Listings in Q3 2016, a 7.6% decrease
  • Townhome/Condo: 2,097 Active Listings in Q3 2017 vs. 2,410 Active Listings in Q3 2016, a 13% decrease

 

Median Days to Contract: Down for Pinellas County for Single Family and Townhome/Condo for Quarter 3 2017 from Quarter 3 2016. The midpoint of the number of days it took for a property to receive a sales contract during that time. The faster a home goes to contract, the less time it is on the market for sale. This statistic is another good indicator for sellers and a tool for buyers to understand how to reach their goals in a hot market.

  • Single Family Homes: 22 Median Days to Contract in Q3 2017 vs. 27 Median Days to Contract in Q3 2016, an 18.5% decrease
  • Townhome/Condo: 34 Median Days to Contract in Q3 2017 vs. 41 Median Days to Contract in Q3 2016, a 17.1% decrease

 

If you would like to discuss the market statistics further, or would like me to keep you informed, I would welcome the opportunity to provide monthly stats for you. Please don’t hesitate to email me at AnnalisaWeller1@gmail.com or call me at 727-804-6566 if I can be of service. Thank you so much!
© 2017 Pinellas Realtor Organization

This is a great little chart to help both when buying or selling a Smart Home to ensure that everyone reaps the benefits. Sometimes information regarding the manuals or which items you have in the home can be lost in the complicated process of purchasing or selling a home. Easy to print or save to your computer. Thank you Florida Realtors for putting this together. Very much appreciated!

 

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ORLANDO, Fla. – Oct. 2017 – Higher home prices and a tight supply of homes for sale may be the mantra nationwide – but certain markets are still offering lucrative options for investors, including two in Florida.

http://www.floridarealtors.org/NewsAndEvents/article.

Real estate sales and auction company TenX released its top picks for investors. Texas had the most markets on the list, scoring three out of the top five, as it continues to post strong growth in employment and home construction. San Antonio topped TenX’s list for best places for investors, posting strong population growth for six years and having incomes hit all-time highs. San Antonio is followed on the list by two other Texas hot spots: Fort Worth and Dallas.

Home prices are rising quickly in Texas, but they remain low compared to some other hot markets, like in California, TenX notes.

“If you look at our report, probably eight or nine of the top 20 markets in terms of housing performance are in either Texas or Florida,” says Rick Sharga, executive vice president at TenX.

“The Florida markets will be more directly impacted because Irma hit everything, but even in Texas, a lot of the construction and labor and materials and so forth that’s been going to build new properties in Dallas and Fort Worth and San Antonio might get diverted to rebuild Houston, and that could have a noticeable impact on home sales and home starts over the next six to nine months.”

Investors have had to shift course in many cities as the number of low-priced or foreclosed homes dries up.

“What they’re really looking to do now is make money on the month-to-month rent, so in a lot of cases they’re buying properties at full value,” Sharga told CNBC. “In some cases, they may even be slightly overpaying for properties, but they’re making it up in the rental income over the period of time.”

The following are the top 10 markets for investors, according to TenX:

  1. San Antonio
  2. Fort Worth, Texas
  3. Dallas
  4. Columbus, Ohio
  5. Tampa, Fla.
  6. Orlando, Fla.
  7. Indianapolis
  8. Austin, Texas
  9. Nashville, Tenn.
  10. Raleigh, N.C.

http://www.floridarealtors.org/NewsAndEvents/article.

Source: “Want to be a Landlord? These Are the Top Markets This Fall for Investing in Rental Homes,” CNBC (Oct. 13, 2017)

 

Buying a Home? Do You Know the Lingo? | Keeping Current Matters

Buying a home can be intimidating if you are not familiar with the terms used during the process. To start you on your path with confidence, we have compiled a list of some of the most common terms used when buying a home.

Freddie Mac has compiled a more exhaustive glossary of terms in their “My Home” section of their website.

Annual Percentage Rate (APR) – This is a broader measure of your cost for borrowing money. The APR includes the interest rate, points, broker fees and certain other credit charges a borrower is required to pay. Because these costs are rolled in, the APR is usually higher than your interest rate.

Appraisal – A professional analysis used to estimate the value of the property. This includes examples of sales of similar properties. This is a necessary step in getting your financing secured as it validates the home’s worth to you and your lender.

Closing Costs – The costs to complete the real estate transaction. These costs are in addition to the price of the home and are paid at closing. They include points, taxes, title insurance, financing costs, items that must be prepaid or escrowed and other costs. Ask your lender for a complete list of closing cost items.

Credit Score – A number ranging from 300-850, that is based on an analysis of your credit history. Your credit score plays a significant role when securing a mortgage as it helps lenders determine the likelihood that you’ll repay future debts. The higher your score, the better, but many buyers believe they need at least a 780 score to qualify when, in actuality, over 55% of approved loans had a score below 750.

Discount Points – A point equals 1% of your loan (1 point on a $200,000 loan = $2,000). You can pay points to buy down your mortgage interest rate. It’s essentially an upfront interest payment to lock in a lower rate for your mortgage.

Down Payment – This is a portion of the cost of your home that you pay upfront to secure the purchase of the property. Down payments are typically 3 to 20% of the purchase price of the home. There are zero-down programs available through VA loans for Veterans, as well as USDA loans for rural areas of the country. Eighty percent of first-time buyers put less than 20% down last month.

Escrow – The holding of money or documents by a neutral third party before closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance.

Fixed-Rate Mortgages – A mortgage with an interest rate that does not change for the entire term of the loan. Fixed-rate mortgages are typically 15 or 30 years.

Home Inspection – A professional inspection of a home to determine the condition of the property. The inspection should include an evaluation of the plumbing, heating and cooling systems, roof, wiring, foundation and pest infestation.

Mortgage Rate – The interest rate you pay to borrow money to buy your house. The lower the rate, the better. Interest rates for a 30-year fixed rate mortgage have hovered between 4 and 4.25% for most of 2017.

Pre-Approval Letter – A letter from a mortgage lender indicating that you qualify for a mortgage of a specific amount. It also shows a home seller that you’re a serious buyer. Having a pre-approval letter in hand while shopping for homes can help you move faster, and with greater confidence, in competitive markets.

Primary Mortgage Insurance (PMI) – If you make a down payment lower than 20% on your conventional loan, your lender will require PMI, typically at a rate of .51%. PMI serves as an added insurance policy that protects the lender if you are unable to pay your mortgage and can be cancelled from your payment once you reach 20% equity in your home.

Real Estate Professional – An individual who provides services in buying and selling homes. Real estate professionals are there to help you through the confusing paperwork, to help you find your dream home, to negotiate any of the details that come up, and to help make sure that you know exactly what’s going on in the housing market. Real estate professionals can refer you to local lenders or mortgage brokers along with other specialists that you will need throughout the home-buying process.

The best way to ensure that your home-buying process is a confident one is to find a real estate professional who will guide you through every aspect of the transaction with ‘the heart of a teacher,’ and who puts your family’s needs first.

re-posted from:

Only ethnic demographic to increase homeownership rate

house key background

The homeownership rate for Hispanics increased in 2016, contrary to other ethnic groups, who all saw a decrease in homeownership.

from http://www.housingwire.com/articles/39132?sf55059658=1

The homeownership rate among Hispanics increased to 46% in 2016, up from 45.6% the year before, according to a report from the National Association of Hispanic Real Estate Professionals. Data from the U.S. Census Bureau shows the overall homeownership rate dropped from 63.7% in 2015 to 63.4% in 2016. At the same time, the African-American rate also dipped from 43% to 42.2% and the Asian-American rate dropped from 56.5% to 55.5%.

Hispanics were the only ethnic demographic with an increase in their homeownership rate. Hispanics also led the nation in household formations with a net increase of 330,000 households in 2016.

The overall homeownership rate in the U.S. is currently hovering at the lowest level in 50 years. Hispanics broke the trend due to their high workforce participation rate, according to NAHREP’s report.

Also helping advance the growth is the increase of Hispanic entrepreneurs in mortgage banking and the real estate brokerage business.

“With credit remaining tight and limited housing inventory in several markets, these numbers are extremely encouraging and a testament to the economic resilience of the Hispanic community,” 2016 NAHREP President Joseph Nery said. “As the mortgage industry continues to recognize the exceptional opportunities in serving the Hispanic market and adjusts accordingly, we expect these numbers to only improve.”

http://www.housingwire.com/articles/39132?sf55059658=1  Kelsey Ramírez

Annalisa Weller, Realtor®, Certified International Property Specialist

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  • ‘Welcome’ to all our new members who joined us in April May 7, 2018
    The Pinellas REALTOR® Organization would like to welcome all of our new REALTORS® who joined us in April! We are happy to have you as a part of our organization and wish you much success in your careers. Gyorgyi  Cassidy Anthony Johnson Realty Inc Patricia  Schmitt A-Team Home Sales & Rentals Tracy L. Whitcomb A-Team […]
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  • March 2018 Pinellas County Real Estate Statistics April 24, 2018
    Median sale prices continue to climb while the number of days it takes to get to contract fall. STANDOUT STAT: Median Sale Price for Single Family is up 8% – from $230,000 in March 2017 to $250,000 in March 2018. Click here to view Pinellas County Real Estate Statistics for March 2018 to see what the numbers tell […]
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  • Former Affiliate and Realtor Member Peggy Musto passed away April 17, 2018
    Margaret “Peggy” Marie Kline Musto, 65, passed away Saturday, April 14th in St Petersburg, Florida. She was the wife of Glenn Musto as well as the mother of Christopher Musto and Lauren Musto. Glenn and Peggy shared 37 years of marriage. Born in Huntington, Indiana, Peggy was the daughter of Guinevere Ann Miller Kline Schaefer […]
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  • ‘Welcome’ to all our new members who joined us in March April 3, 2018
    The Pinellas REALTOR® Organization would like to welcome all of our new REALTORS® who joined us in March! We are happy to have you as a part of our organization and wish you much success in your careers. Align Right Realty LLC Luis A. Guzman Align Right Realty LLC Mariusz W. Kraszewski Beach Place One […]
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  • Member Susan Hands has passed away March 29, 2018
    REALTOR® member Susan Hands with RE/MAX Metro in St. Petersburg passed away. Susan Wilhelm Hands of St. Petersburg passed away unexpectedly on Friday, March 2, 2018, with many members of her loving family by her side. Sue loved life and lived it to the fullest; she especially loved being surrounded by family and friends. Sue was […]
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