Lakewood Ranch, FL

BREAKING NEWS! Villages of Lakewood Ranch South project approved by county commissioners.... more here!

www.TheSerenaGroup.com

New or Newly Converted Condos:

To determine project eligibility on current projects with Fannie Mae go to www.efanniemae.com

click Single Family tab

click Reference materials

click Accepted Condos

click Appropriate State and review expiration date

Established Projects (90% sold & conveyed and owners control HOA)

Email opuscondospotapproval@wellsfargo.com to see if we have project approval.

If not, can submit to BPAG using streamlined "Established Condo" approval process

Possible FHA approved Condos:

https://entp.hud.gov/idapp/html/condlook.cfm

Sort by Project Name, City and/or State

FHA Spot Approval:

Must be 90% sold and closed

Must be 51% o/o or 2^nd home

Owners must have controlled HOA for 12 months

See FHA 921 and Answer key on Regional Builder Website

** Make sure to get a 921 filled out and review for the following:

1. # total units, sold and closed and investor %

2. Ensure no more than 15% of total units are delinquent on HOA dues

3. Ensure no person or entity owns more than 10% of the units

4. Ensure proper insurance coverage including Fidelity Insurance

www.GulfsideLand.com

LAKEWOOD RANCH REAL ESTATE STATISTICS FOR JUNE 6, 2009. SOLD INFORMATION FOR LAST 30 DAYS.

FOR MORE INFORMATION ABOUT LAKEWOOD RANCH OR ANY OTHER MANATEE COUNTY, SARASOTA COUNTY, BRADENTON, SARASOTA, FLORIDA COMMUNITY... CONTACT THE SERENA GROUP, WE WOULD BE HONORED TO ANSWER YOUR REAL ESTATE QUESTIONS OR TO REPRESENT YOU WITH BUYING OR SELLING YOUR HOME!

www.TheSerenaGroup.com

Suprise! You spent all that money on a fance new PC or laptop hoping to speed up your user experiance only to see an agonizing start up time day after day.

So you would think it's just a bloated OS causing the long load times. Well I say nee, nee my friend. Nee nee...

Seems that there is a fancy little setting that needs to be flipped on that is unchecked out of the box. I was happy when a friend passed on this windows secret and now it's time to share.

As a default, Vista only boots using a single core processor. Most of us now have atleast a dual core centrino laptop or intel core two desk tops we are working with. So let's review the steps nessicary to boot using all available cores to get things really humming.

1. click the windows start button and type "msconfig" in the search box and open the msconfig program.

2. Navigate to the BOOT tab and click on the "advanced" button

3. You will see a crazy little place in the top left for you to change to the appropriate number oc core processors available. Make the change to match your system, mine was from one to two cores.

4. check the box "Detect HAL" just below the core count you just changed and consider setting the memory to what you got over on the right too.

5. Hit the apply and OK buttons till you are blue in the face and then happily restart you PC as requested by windows vista.

ZOOOOM... your off now using multi core boot! Should cut your boot time by atleast 30%!!!

We all waited, in hopeful anticipation for the approval of the government bailout bill. We understood that the appropriation of the funds, to our financial institutions, would offer some much needed relief to the homeowners trying to sell their property. Although the intensions are good I unfortunately feel that whether or not it becomes a benefit to the owner depends greatly on what financial institution is holding the loan. I recently submitted a short sale contract to CountryWide for consideration. I performed a CMA, and based on recent sales determined the expected sales price to be $172,500. Two parties were interested in the property and the final contract submitted to CountryWide was for $180,000. CountryWide stated that the contract price is not high enough to be considered. In addition, when asked what they need to make the deal work, they stated that they could not give us a number. No counter offer, just a straight refusal.

The first question that comes to mind is, who did the appraisal and where is their company base? This particular property is in a large master planned community with multiple Villages and several Neighborhoods within those Villages. So even if you use comparatives, all from within the same Village "A", there is big difference in the value of the real estate within that Village's Neighborhoods. Unfortunately, this home is in the least valued Neighborhood within the Village.

Who does this hurt? The owner of the property. CountryWide has set an unrealistic goal for this home and because of that, it will continue to sit on the market, costing the homeowner additional money. At unrealistic pricing, in this market, you can expect that this property will eventually go to foreclosure. Did it have to? No. Will this process ultimately cost the homeowner and the tax payers more money? Yes.

So, does the government bailout bill offer a real solution and help the homeowner? I think it depends on the financial institution, and in this case, no.