Contact Jim

850-206-6140
Or Email Jim

Categories

Archives

Archive for the 'Pensacola Real Estate News' Category

A Guide to Space Heaters Courtesy of Pensacola Real Estate Professionals

As temperatures drop, we at Pensacola Real Estate Professionals wanted to share some general and safety information pertaining to space heaters.

Everyone wants to save money on heating cost. One option is to use space heaters. They can add warmth and comfort to your home, as long as you use them safely. Space heaters have been known to cause fires, if not used properly.

There are two basic types of heaters: convection and radiant. Convection heaters provide warmth by blowing or pulling air over a heated surface. These heaters are designed to heat an entire room. Radiant heaters direct heat at an object.

convection heater at lowesConvection heaters are either fan-assistant or fan-less. These heaters are priced on average from $10 to $400.

Ceramic heaters are some of the newest convection heaters on the market. These heaters have ceramic plates and aluminum baffles. When electricity passes through the ceramic, it is heated. The heat is then absorbed by the aluminum and a fan blows the hot air into your room.

Ceramic heaters are easily portable and give off a great deal of heat from a small box. These heaters tend to be more energy efficient and safer than many heaters, so even though they heat up quickly, their plastic casings stay cool. A great use for this type of fan would be in a small office or tabletop.

The some Ceramic heaters range from $15 to $100 dollars. Delonghi’s Ceramic Heaters can be viewed at delonghi.com. Another company that carry’s a variety of them locally is Lowe’s Home Improvement Store. Their selections can be viewed at lowes.com.

Heater fans use a standard metal-coil element that is placed in the fan to help distribute heat to the room. These convection fans provide a minimal source of heat for a small areal, but not an entire room. Heater fans usually have a good price point and often are available in a variety of sizes and color. The heat element can also be turned off, so this fan can be a great choice in both the winter and the summer.

The average price range for heater fans is $10 to $400. Go to lowes.com for selections to view.heater fan at lowes

The radiant heater is one of the most common type of space heaters. However, this type of heater has been updated with more features and temperature controls, keeping safety in mind.

Most of these heaters use a glowing quartz or some type of metal element and reflector to provide heat to a specific area. Radiant heaters quickly provide heat to those closest to the heater, rather than providing heat for an entire room.

Radiant heaters range in price on average from $30 to $100. See a consumer search review of some available at consumersearch.com.

Oil-filled radiators look like old fashioned radiators that are found in many older houses. However, these are radiant electric heaters that are permanently filled with oil. Many of the models available come with wheels so they are easy to move around your home. This type of heater provides a steady heat source for an entire room.

The price of some oil-filled  heaters range from $50 to $110. Honeywell’s HZ 709 is priced at $90. Visit honeywellstore.com for it and other heater selections.

Another option for additional heating in your home is using either a gas or kerosene heater. Both of these heaters give off a great deal of heat and come in handy when there is no power, since they don’t require electricity. However, always be careful when using them and be sure to follow the manufacture’s guidelines.

honeywell oil filled heater

Propane gas heaters are among the newest ways to provide additional heat to your home. These heaters can provide heat for almost six hours on one-gallon tank of propane. Prices range on average from $10 to $300. See Mr. Heater Portable Buddy Propane Heaters at mrheater.com or visit The Home Depot at homedepot.com for available models.

Since natural gas is so plentiful in many parts of the country, natural gas heaters are another great option. You’ll have to connect this type of heater to a gas source; however, you can still disconnect the heater to store elsewhere during the summer.

Fireplaces are the most popular source of additional heat in many homes. They can give off a lot of heat and provide warmth to a room. Fireplaces are becoming so popular, you now find them in bedrooms, kitchens and even bathrooms! However, if your home doesn’t have a fireplace, the costs of adding a chimney and/or gas line can really add up quickly.

The electric fireplace is one of the newest products on the market. Not only does this fireplace add warmth to a room, but it’s attractive  and can become a focal point. See Home Depot for available models at homedepot.com. The price of some electric fireplaces can range from $50 to $300.electric fireplace

Space Heater Guideline:

1) Only purchase a heater that has the UL mark, which stands for United Laboratories. (It’s an independent testing lab.)

2) Keep at least three feet from combustible items.

3) Turn off before leaving a room or before going to sleep.

4) Always supervise children and pets when using a heater.

5) Only plug into wall outlets; don’t use extension cords.

6) Don’t use it to dry clothes.

7) Cool down completely before adding fuel.

Posted by | Currently No Comments »

Pumpkin Rice Pudding Recipe for Thanksgiving Courtesy of Pensacola Real Estate Professionals

Pensacola Real Estate Professionals is proud to present this quick and easy dessert recipe for Thanksgiving. If you are looking to put a twist on the typical Pumpkin Pie, why not try this recipe below for Pumpkin Rice Pudding.thanksgiving 2

Ingredients

2 cups short-grain or Arborio rice

6 cups milk

1 cup sugar

1/2 vanilla bean, split lengthwise

1 teaspoon grated orange zestpumpkin rice pudding 2

1/4 cup orange juice

1/4 teaspoon kosher salt

1 cup canned pumpkin

1/4 cup dark brown sugar (optional)

Directions

1. In a large saucepan, combine the rice, milk, sugar, vanilla bean, orange zest, orange juice, and salt. Heat to boiling over medium-high heat, stirring occasionally. Reduce heat to medium-low and cook, stirring occasionally, until the rice is tender and most (but not all) of the liquid is absorbed, 20 to 25 minutes. Remove from heat.

2. Discard the vanilla bean. Stir in the pumpkin. The recipe can be made ahead to this point.

3. Cover and refrigerate up to 2 days ahead. To rewarm, stir in an additional 1-1/2 cups milk and stir gently over medium-low heat. Serve warm, sprinkled with the brown sugar if desired.

This recipe serves 8. We hope this recipe becomes one of your family favorites! Happy Thanksgiving from Pensacola Real Estate Professionals!

Posted by | Currently No Comments »

Pensacola Real Estate Professionals’ Checklist to Plot a Path to Thanksgiving and the Winter Holidays

With all you have to do before the holidays arrive, it’s easy to leave things until the last minute. But why not get an early start on your holiday list this year. With a little planning and only an hour or two each week, your holiday can come off without a hitch.holiday sleigh ride 2

1. Holiday Cards

Put on holiday music, light a scented seasonal candle, light the fireplace and settle in the same time every week to work on your cards. Assess how many you need by making a list of names and addresses of friends and family, business associates and people you need to add on your kids’ behalf – like teachers, troop leaders and coaches. If you’re sending photo cards, start sorting through photos to find the one you want to share.

holiday travel 12. Travel Plans

If you’re traveling this holiday season, research hotels, flights and rental cars on booking, bid or auction sites and look into package deals. if you’re flying, travel early or late in the day. If you’re driving, make an appointment to have your car tuned. Put together an emergency kit for your car, too. It can be a lifesaver!

3. Plan Your Holiday Meals

Are you having a holiday open house? Hosting a dinner? Start pouring over your cookbooks to plan your menus – and don’t forget to hit websites for great recipes. A site like Recipe Quantity Calculator can help you figure out the new measurements you need when doubling or tripling recipes.

4. Food Shopping

You can shop early for canned goods, dry goods and frozen foods. Make sure to clear some room in your cabinets, pantry and freezer first. Double-check to make sure you have baking and cooking basics like baking powder and baking soda, salt and pepper, vanilla, sugar, flour, chicken stock, olive oil and vinegar.

5. Holiday Cookies

If your holiday planning includes gifting baked goods, Ziploc Brand Containers are ideal for packaging them. They are great for freezing cookie dough until it’s ready for baking and for bringing home cookies from a swap and keeping them fresh. christmas cookies 1They’re also inexpensive enough to fill and give away as gifts. Another great gift idea is to package the dry ingredients of your favorite cookie in a new Ziploc VersaGlass Container along with cooking instructions – your friends will love the cookies and the tempered glass container.

6. Polish the Silver

If you store it correctly, you can polish your silver now, and it will be tarnish-free when it’s time to set the table. Apply a good liquid cream or paste polish with a 100 percent cotton cloth, and follow your previous polishing pattern. (It’s usually circular or lengthwise.) Rinse under warm water and dry with another soft cotton cloth. (Air drying can leave corroding water droplets.) Wrap silver in tarnish-inhibiting flannel bags, and store it away from heat and light.

7. Wash and Iron Table Linens

Unfold your holiday linens and examine them thoroughly. Apply a stain removing product on any stains and then launder. Remove linens from the dryer while they’re still damp (this makes ironing much easier). Keep them wrinkle-free until it’s time to set the table by folding them once, gently, and rolling them onto a cardboard wrapping-paper tube or by hanging them over a padded hanger.

8. Gift Wrap Supplies

Check to see what you have left over from last year so you can build on your current supplies. Cut small samples of each paper and attach them to the top of a shopping list to make it easier to pick matching ribbons and bows.holiday gift wrap

9. Guest Room

If you’re putting up friends and family this holiday season, make them feel welcome. Since guest rooms tend to accumulate clutter, make a list of what’s been stored in there that needs to find a proper home. Stock up on cleaning supplies to use once your guest room has been cleared. Multi-surface and extended-time cleaning products are great to have on hand.

7 Day Thanksgiving Checklist:

thanksgiving 1

7 days before the Thanksgiving festivities begin, break out this checklist to make sure you’re set up for success!

The Week Before:

Clean out your refrigerator: Make room for Thanksgiving food with a quick cleaning.

Wash and iron tablecloths: Adorn your dining room table with freshly washed linens. Use laundry beads and dryer sheets for a fresh scent that lasts.thanksgiving dining

Organize serving platters: Label them with names of the dishes to be served on them.

2 Days Before:

Thaw pre-made dishes: Transfer quick breads and pies from the freezer to the refrigerator.

Clean your home: Start with rooms guests will see before moving upstairs.

Check the small details: Make sure you don’t miss the big game or parade by making sure your remotes have fresh batteries.

The Day Before:

thanksgiving side dishesAssemble side dishes: Make stuffing and casseroles, then cover and refrigerate until baking tomorrow.

Set the Table: Welcome in the holiday season by setting out holiday decorations.

On Thanksgiving:

Prepare the Meal: Cook the turkey, whip cream for pies and warm the side dishes.

Sit back and enjoy a memorable meal: Enjoy time with the ones you love.

From all of us at Pensacola Real Estate Professionals, to all of you, We Wish you A Very Happy Thanksgiving and a Joyous Holiday Season!

Posted by | Currently No Comments »

USDA Eligible Areas Housing Update Courtesy of Pensacola Real Estate Professionals

Benita Grotto Glenn of Prime Lendingbenita head shot Prime Lending rep in Pensacola, Florida recently sent me an email stating that Congress had passed a temporary Continued Resolution meaning that changes to USDA Rural Housing eligible areas had been delayed until mid-December.Prime Lending Logo

She issued an update as of October 22 stating that the USDA will start issuing Conditional Commitments “subject to commitment authority.”

Any Conditional Commitments issued “subject to commitment authority” will contain the following language:

USDA Eligible areas update: The “Continuing Appropriations Act, 2014” (H.R. 2775) was signed into law by the President of the United States. Therefore, barring further Congressional action, current eligible areas for USDA Rural Housing Programs will remain unchanged through January 15, 2014. (H.R. 2775 extends Sec. 731 of H.R. 933 “Consolidated and Further Continuing Appropriations Act, 2013”)

This is Great News!

During this time frame, she said, Prime Lending will allow funding on “subject to commitment authority” provisions, so that your USDA loans will close and fund as scheduled.

A USDA Loan is a home loan insured by the United States Department of Agriculture. USDA Loans offer affordable 30-year terms on real estate with 100% financing. That means: NO MONEY DOWN!!usda rural development

If your credit score meets the minimum requirements, the home being purchased is located in a USDA eligible area (such as Plantation Woods) and the household income meets the requirements, chances are you are eligible for a USDA Loan.

100 percent GW financing

For a limited time, Gulf Winds is offering 100% mortgage financing. Buyers, who qualify can now purchase a home with NO MONEY DOWN and NO MORTGAGE INSURANCE!

Shaun Schiewe Gulf Winds Mortgage Loan OfficerCristy Nash Gulf Winds Mortgage Loan Officer

This is another fabulous advantage for someone looking to buy or build a home. Not being required to have a Down Payment or Mortgage Insurace (PMI) are cost saving measures that will make the home buying experience better than ever!

Contact Shaun Schiewe, Mortgage Loan Officer at 850-479-9601 x 463 or Cristy Nash, Mortgage Loan Officer at 850-479-9601 x 473 for more information. You may also visit GoGulfWinds.com/100 for additional details.

Contact me here or call me directly at 850-393-7106, if I can answer any related USDA loan questions.

Posted by | Currently No Comments »

Federal Reserve Holds Stimulus Steady Causing Mortgage Rate Dip

130926100933-30-year-fixed-mortgage-092613-620xa

The current Real Estate home buying or building landscape has received another shot in the arm!

Mortgage interest rates have fallen slightly since the Federal Reserve announced last week that it wouldn’t pare back its stimulus program.

The rate for a 30-year, fixed loan fell from 4.5% down to 4.32%, according to a weekly survey from Freddie Mac.

This represents a $21 a month savings, for example, on a $200,000 loan. This is great news for the Real Estate marketMortgage rates had been moving higher in the past few months, which analysts feared could put the brakes on any recovery going on in the real estate sector of the economy.

Mortgage rates fell following the Federal Reserve announcement that it will maintain its bond-buying stimulus,” said Frank Nothaft, Freddie’s chief economist. “These low rates should help offset the house price gains seen in the last number of months and keep housing affordable.”

In early May, interest rates had gone as low as 3.35%. However,  the Fed’s hints that it would begin to taper its bond purchases caused rates to rise more than a percentage point by late June before leveling off.

“After hearing about rising mortgage rates for months, consumers should welcome the news of a decline,” said Keith Gumbinger, of HSH.com, a mortgage information firm. “The Federal Reserve’s decision to keep its quantitative easing programs running for at least a while longer allowed mortgage and bond markets a chance to relax, at least for a little while.”

Many analysts do, however, expect the Federal Reserve to start to taper later this year, which should push mortgage rates higher.

It would be my pleasure to guide you through the Real Estate home building or buying process before rates possibly increase.

Posted by | Currently No Comments »

« Previous Entries

Next Entries »