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SEPTEMBER 2010
Denise Loth, Realtor® ~ GRI ~ ABR ~ MLS ~ FAR~NAR
Charles Rutenberg Realty
1545 S. Belcher Rd.
Clearwater,  FL  33764
727.420.1635
866.970.4118 
Contact Me
Visit My Web Site
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54 ACRES ~3 BARNS
BROOKSVILLE:54 ACRES & CUSTOM COUNTRY HOME, 6 Stall Center Aisle Barn, 4 BED/3 BATH $1,150,000.00
BEACH FRONT CONDO
INDIAN ROCKS BEACH~3 BEDROOM 2.5 BATH, GULF FRONT $759,000.00
SINGLE FAMILY HOME
TAMPA~4 bedroom 3.5 bath 2 car garage, 2803 sq ft,$750,000.00
INTRACOASTAL
Largo~4 bedroom 3 bath, 2718 sq feet. $699,000.00
Is “do it yourself” in your DNA?
In many ways, this is a tough time to be a homeowner. Finances might be tight, but that doesn't stop the roof from wearing out, or the plumbing from starting to drip.
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Should I Refinance?

Estimate Payments
Fixed or Adjustable?
Should I Make Extra Payments?
Will I Qualify?
How Much Can I Afford?
Denise Loth, Realtor® ~ GRI ~ ABR ~ MLS ~ FAR~NAR
Charles Rutenberg Realty
1545 S. Belcher Rd.
Clearwater,  FL  33764
727.420.1635
866.970.4118 
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
Loan modification “blackmail”
DEAR BENNY: My wife and I received from our lender a repayment agreement for our original mortgage. This was a result of the bank initiating a foreclosure sale, which was temporarily suspended because we agreed to enter the Home Affordable Modification Program. ...more
 
Pricing to sell in today's market
Putting yourself in the right mindset to sell is essential. It's the most difficult aspect of selling for most sellers. Your home is worth what a buyer is willing to pay, which may not be what you think it is worth. Detaching yourself emotionally from your home is difficult. Clearing out years of clutter, depersonalizing your home by removing personal memorabilia, and staging your home for sale can help you step back and view the home as a commodity that needs to be sold rather than as your personal sanctuary. Putting your home on the market at a price that reflects what you want and not what the market will bear can cost you time and money as it sits on the market unsold. ...more
 
Pay attention to home inspection
For just about anyone, a home is the single-most expensive and single-most complex thing that you'll ever own. So when making that purchase, you certainly want to do everything possible to be an informed buyer and to protect yourself and your investment. ...more
 
Playing the real estate waiting game
Buyers often are reluctant to make an offer to buy a home they find early on in their search. After looking for months and not finding anything comparable, some buyers regret not having moved quickly on a listing even though they saw it early on. ...more
 
VA Home Loan Benefits
VA Home Loan Benefits:
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AMERICAS MIGHTY WARRIORS
Please visit this website and read Marc's very touching last letter home. http://www.americasmightywarriors.org
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MILITARY DISCOUNT

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ARE YOU LOOKING TO RELOCATE TO SOMEWHERE OTHER THAN FLORIDA??
DENISE IS A RELOCATION SPECIALIST. DENISE CAN HELP YOUR RELOCATION EXPERIENCE RUN SMOOTHLY ANYWHERE IN THE WORLD. JUST GIVE HER
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TAMPA BAY ON LINE ~ LINK TO ALL THE INFO. YOU NEED ABOUT THE BAY
SCHOOL CHOICE~PINELLAS COUNTY
CLEARWATER/PINELLAS COUNTY PHONE NUMBERS
PASCO COUNTY INFORMATION
HURRICANE PREPAREDNESS
 
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