My dog, Bailey the Boxer, loves the fresh air of being outside.  So, we let him out every chance we get.  He is very social and loves to meet other dogs.  We take him in the car for regular rides, as he doesn't like to be left out of the family fun.  We love to exercise and play with him.  Then, he's happy! For those of you dog lovers here in Palm Bay Florida, Palm Bay Regional Park has a dog park where you can take your dog to socialize with other dogs.  It is 40,000 square feet of fenced off section, with one area for small dogs and one for large dogs.  Here you can let your dog off leash.  All dogs that enter the park must have a current Brevard County license, with vaccinations up to date.       08/05/2008

I love the smell and fresh air that an upcoming thunderstorm brings. It's almost as if you can feel the entire sky shifting, while taking on a new form.  I prefer to not be on the roads when it's raining or a storm is looming.  Curled up, in the evening with a great movie is the best time for a storm.  I was recently finishing up a day of showing houses in Palm Bay Florida and had to pull over to take pictures of the incredible sky. The sky and the land were completely separated by a black line of threatening clouds.  08/04/2008

Just the thought of selling your home can be mind boggling.  So many things to do, but you're probably wondering, where should I start? Well, let me try to make it a bit easier for you. 1. Get Pre-Approved for a new Home Loan Know where you're going before you consider moving. Research the housing market in the area where you wish to live so that you have a good idea how much it will take to buy a replacement home. Then, find a lender you trust and get pre-approved for another home before you start the selling proces. Start researching at www.SandyShoresMelbourne.com. I can provide you a list of homes or you can search the entire MLS. 2. Check Your Mortgage Payoff Call your lender to find out the payoff for your current home mortgage. 3. Determine How Much the House Is Worth Determine y... 08/03/2008

Did you know that there are currently 798 homes available for sale in Melbourne Florida priced below $200,000?  And 1513 homes in Palm Bay?  Did you also know that there were less than 10 homes available for sale in Melbourne in January 2005 priced up to $200,000? UNBELIEVABLE!     There are currently 3154 homes and condos available for sale in the Melbourne and Palm Bay areas.  There were 219 homes sold and closed from July 1 to July 31, 2008.  There are currently 191 homes under contract. Some areas have a 12 to 15 month (and more) supply of homes available for sale! The Florida Association of REALTORS indicates that homes sales dropped only 5% from June 2007 to June 2008.   The median price decreased from $198,000 to $166,400. Today, 4 out of 10 buyers are first time homebuyers, bec... 07/31/2008

Here in Palm Bay Florida in Brevard County many buyers are still sitting on the fence...not knowing what to do.  What should I do, they ask?  Should I buy now? Should I rent?  Should I wait?  Is the market going to continue on the decline?  When is the market going to change? All of these are excellent questions...if only we knew exactly how the market was going to respond. My question is, What are you waiting for?  If prices decline, but interest rates begin to go up due to the recession, with fear of inflation, then what were you waiting for?  It may just be a wash.  Lower prices + higher rates = Unnecessary money paid out in rent, because they waited, and could have owned? I did a little research myself to see if homes today truly are affordable here in Melbourne Florida located in B... 07/17/2008

882 WATEROAK DR #882, PB Bermuda Walk - Beautiful and conservative little neighborhood. HOA Tenant application and approval mandatory (Additional $75). Two pets are permissible with an increase in the security deposit. Rent: $750 for 1-year, $950 for 6-months, and $1050 for 3-months. Community Pool. MLS#  310670882 WATEROAK DR NEPALM BAY, FL 329054689Offered at: $750 07/08/2008

This property is offered on a short sale basis subject to acceptance of any contract/contract price or commission by the lending institution(s) and the current owner of record. Any contract/contract price and Palm Bay short salePcommission (a 50% - 50% split)�actually includes the listed price and current specified commission as well.MLS#  5018292237 REDWOODPALM BAY, FL 32905Offered at: $145.000 For more info go to http://www.bestbrevardrentals.com/mls_search.html 07/08/2008

Is this it?  Is this the turn in the market that we have been telling buyers about? Are interest rates heading up?  Is it truly time for buyers to get off the fence and take that step to buy NOW before rates go up? This week the Federal Reserve opted not to cut the Fed Funds Rate again.  In the past, a cut in the Fed Funds rate often times was followed by a drop in mortgage interest rates.  However, that has just not always been the case, recently, as there has been so much money lost in all sectors of the banking and real estate industry.  We have seen rates sometimes fluctuating on a daily basis. But, what about the Fed's decision this week?  The Fed has been aggressively cutting interest rates, hoping to avoid recession.  They opted to not cut the Fed funds rate at all. What does thi... 07/05/2008

Palm Bay Palm Bay is a growing community of approximately 100,000 that sits just south of Melbourne and in the Southeast portion of Brevard County or , “The Space Coast.” It includes large tracts of land both east and west of I-95, some frontage on the Indian River Lagoon (which is the ICW or Intracoastal Waterway), and on the east shades into adjoining (and currently more rural) residential areas of Malabar, Grant, and Micco extending south to Sebastian. The whole area is basically new and is growing at a rapid pace. It’s a young city with an average age of 37 and an average household income over $40,000. New home construction at affordable prices is popping up everywhere. As of August 2005 there are some new homes and condos for under $200,000. Palm Bay represents not just good real ... 06/06/2008

WINDSOR PARK TOWNHOMES: Remarkable value in this very large Townhouse! Beautifully renovated w/ new kitchen, floors and Baths. Great Open floor plan offers plenty of room for a family. As large as a home without the maintenance. Best location in Windsor Park. Enclosed patio has complete privacy and storage. Conveniently located near shopping, transportation and Beaches. MLS#  5097383113 MANORPALM BAY, FL 32905Offered at: $900 Steve Neville Broker-Property Manager Aamerican Property Management 144 Ocean Terrace Indiatlantic Fl, 32903 Cell-321-693-8026 Fax-321-724-5380 Email Me 06/06/2008

This property is offered on a short sale- basis subject to acceptance of any contract/contract price or commission by the lending institution(s) and the current owner of record. Any contract/contract price� and �commission (a 50% - 50% split) actually includes the listed price and current specified commission as well. MLS#  5018292237 REDWOODPALM BAY, FL 32905Offered at: $145,000   For more info please go to http://www.bestbrevardrentals.com 05/19/2008

MLS#  501769128 FRANTEPALM BAY, FL 32907Offered at: $139,000  This property is actively for rent. This property is offered on a �short sale�/�Deed In Lieu� basis subject to acceptance of any contract/contract price or commission by the lending institution(s) and the current owner of record. �Any contract/contract price� and commission (a 50% - 50% split) actually includes the listed price as well. "AS-IS for more info please go to http://www.bestbrevardrentals.com 05/19/2008

Remarks:  Ready for you! One story attached villa with 2 bedrooms, 2 baths, completely painted inside with neutral colors. New ceramic tile in kitchen & baths. Slider from kitchen to one patio and private patio off living room. Storage closet outside for bikes & beach equipment. Community pool. Also for sale, see MLS 477990. For more info please go to http://www.mailandrealty.com/       MLS#  4965131470 MALIBUPALM BAY, FL 32905Offered at: $725 05/12/2008

his property is offered on a short sale-basis subject to acceptance of any contract/contract price or commission by the lending institution(s) and the current owner of record. Any contract/contract price and commission (a 50% - 50% split)� actually includes the listed price and current specified commission as well. MLS#  5018191555 NONAPALM BAY, FL 32907Offered at: $139,000 For more information please go to http://www.bestbrevardrentals.com/mls_search.html 05/12/2008

MLS#  5018481188 JOHNSTONPALM BAY, FL 32909Offered at: $115,000 his property is offered on a short sale. Deed In Lieu- basis subject to acceptance of any contract/contract price or commission by the lending institution(s) and the current owner of record. Any contract/contract price and commission (a 50% - 50% split) actually includes the listed price as well. For more information contact http://www.bestbrevardrentals.com 05/12/2008

Did you know that you can cut years off of your mortgage and save thousands?  By making one additional principal payment each year on your 30 year fixed rate mortgage, you can cut approximately 8 years* off of the length of your loan and save tens of thousands of dollars. Have you heard about bi weekly mortgage payments?  These are when your mortgage payment amount is divided in half and you make the payment every 2 weeks, in effect adding one additional payment to your loan by the end of the year. Often times they cost a hefty fee to set up and the lending institution charges a monthly fee to process the payment. You can create the same effect by making an additional mortgage payment each year.** Are you thinking that you just don't have the extra money to mail in an additional princip... 05/05/2008

Have you had your My Safe Florida Home Inspection done yet? My Safe Florida Home program is offering free wind inspections to Florida homeowners who qualify. The program can offer advice on what areas of your home are potentially at risk in case of a hurricane. And, it can often provide substantial discounts on your homeowners policy.  We have seen owners save several hundred dollars. The inspections are performed by state approved inspectors and you must apply and be approved to be eligible for the free inspection The program has also been offering matching grants in order for homeowners to upgrade specific areas of the home to make it more hurricane safe. According to My Safe Florida Home the wind inspections and the grants are on a first come, first serve basis.  Their website indica... 05/01/2008

Do you know what's on your credit report? Get your FREE ANNUAL CREDIT REPORT today! Today, it is important to review your credit report on a regular basis, due to the increase in identity theft. If you are considering buying a home soon, it is important to know what info your credit report contains before starting the homebuying process. According to the Federal Trade Commission in 2003  FACTA requires the nationwide credit bureaus to provide consumers with a free copy of their credit report, at their request, once every 12 months from the 3 major reporting agencies Equifax, Experian & Transunion. Consumers who want to access their credit report online can go to AnnualCreditReport.com or by Telephone:(877)-322-8228 or by mail: Complete the Annual Credit Report Request form and mail it ... 04/28/2008

According to the Melbourne Area Association of REALTORS the Monthly Statistics for Brevard County for March 2008, provided by the National Association of REALTORS is as follows... There were 274 listings sold for the month. This was an increase of 25.69% in units sold from February 2008. Average market time was 109 days for sold units. There were 22 condo listings sold for the month. This was an increase of 15.79% in units sold from February 2008. Average market time was 176 days for sold units. There were 15 townhouse listings sold for the month.  This was a decrease of 28.57% in units sold from February 2008. Average market time was 92 days for sold units. Conventional loans were used to purchase nearly 40% of the properties. 04/25/2008

Remarks: Come build your home , surrounded by new homes, and close to great shopping, and golf! Excellent public schools, and close to Bayside lakes! Growing area, great lot, good size, nice area,good schools, what are you waiting for!LOCATION, LOCATION, LOCATION! MAKE AN OFFER! SHOW AND SELL! MLS#  4802483289 SAN MIGUELPalm Bay, FL 32909Offered at: $35,000 04/11/2008