Clean water is the cornerstone of our quality of life and our economy here in the Panhandle. Whether it’s surfing, diving, boating, recreational fishing, or the historic tradition of commercial fishing, maintaining clean water is at the heart of each of these endeavors. Surfrider Foundation is to be commended for its continued efforts to educate the public and advocate officials about the importance of clean water so that everyone may continue to use these resources.
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Continue reading “11/15/09 – Clean Water Good Vibes Music & Art Festival”


There have been more questions than answers this week. Among other, people have asked: What do those zeroed out items mean in a contract and are you sure you can not take multiple offers on a short sale??? Since we do not have time enough to answer the first one lets talk about some more questions that I continue to get about Short sales. All of my customers and myself agree that the short sale is certainly not a short process and there continues to be so much confusion on how to handle them between the buyer and the seller.
Mortgage rates remain low again this week helped out by reemerging doubts about the stock rally and economy as a whole. The benchmark thirty-year, fixed-rate stands just above 5% with no points and the fifteen year is just below 4.50%. While paying a point was buying a full ½% discount to the rate in the first quarter of the year, that premium has narrowed significantly and a point today is only buying a 1/4% rate improvement.