SoHoTampaRealty.Com

Happy New Year to everyone.  Judging by the trends in our local market 2010 should be an exciting year in real estate.  I ended 2009 with a move that I am so happy that I made. 

I moved downtown into the Skypoint condos.  An opportunity came along in the building that I couldn’t turn down.  Now in addition to spcializing in the SoHo/Hyde Park area I would like to make a name for myself downtown as well.  Anyone that knows me or has read anything that I have written before knows that I am very intrested in real estate historical records and trends.  Today I will narrow my discussion to the history of Skypoint.

777 Ashley Drive, the address to Skypoint, was built on a plot of land that was mapped around 1850.  It was part of the original plan for Tampa and sits on 4 lots from the original map.  To the west is Ashley Drive, to the north is Polk St, to the south is Zack St, and to the east is Tampa St. Skypoint was one of 3 buildings planned by the Novare group of Atlanta (Only two of which were built).

Skypoint opened for it’s first resident in June of 2007.  There are 32 stories, unless you count the two penthouses on the 32nd floor, which are two stories, which makes for a psudo 33rd floor.  The parking garage is accessed from Zack St. and includes a small retail parking area for the shops that are on the groud floor.  The resident parking is behind a controlled, secure access gate.  Generally the number of bedrooms that your unit has dictates how many parking spots you will get.  There are 7 floors of residential parking. 

The building  can be though of as being divided into 5 zones.  The lobby level includes the 24 hour concierge desk as well as retail shops that are on the outside of the building.  There is also a small 30 minute parking lot located to the east of the Zack residential/retail ramp. Parking there requires you to check in with the concierge so you don’t get towed.

The next zone is floors 2-7.  The parking garage comprises most of these floors but there are two units in the west part of the building on every floor (12 units Total).  Although these units are lower and don’t offer the view that the upper units do, they are convenient to parking.  No elevator is required to get to your unit, just park on the level your unit is on and walk in the door.  These units are generally very spacious to entice would be buyers that may have been seduced by the upper floors to take a second look.

Zone 3 is comprised of the 8th and 9th floor.  The front, or western “point” of the building in this zone houses the two story clubhouse, pool/hot tub deck, strolling deck, media room, work out room, and cardio room as well as 10 residential units on the 8th floor and 11 residential units on the 9th floor.  These floors are where many of the amenities are located that make living at Skypoint so great. 

On the 8th floor the shaded north side is a great place to relax and sit away from the pool area.  The landscaping makes you forget that you are located in the middle of a major American city.  Benches, tables, and grills give you endless entertaining choices or just a bunch of places to relax. For most of the afternoon, depending on the time of the year this deck is in the shade and considerably cooler than the south deck.

The south deck is also on the 8th floor and encompases a wet bar, an oversized pool, hot tub, and grilling area.  The hot tub fits 15 people and is elevated above the pool. It’s a great place to go at night to soak and relax looking at the stars or admiring the other buildings surrounding you.  The south deck also has gas grills worthy of any self proclaimed bar-b-q chef.  Bring your guests and sit them at the concrete bar surrounding you. 

The 8th floor also houses the two story clubhouse.  The clubhouse is in the front  or west side of the building in the point.  Inside the clubhouse there are activities to keep you busy for hours.  In the media room you can watch a movie or a game on the widescreen, high def tv while you relax in the theatre seating.  Just outside of the media room connect your xbox, or wii, or any other gaming console to the two gaming station flatscreen tv’s. Behind the gaming station is the pool table. In front of the pool table are 3 computers with internet access.  The clubhouse also has a catering kitchen, and seating area for small groups and can be rented by any Skypoint resident.  The kitchen has a full sized refrigerator, a microwave, sink, and full dishwasher.  The wet bar in the clubhouse is perfect for serving food and also has two flat screen tv’s to entertain your guests.  The clubhouse is decked out in contemporary colors and beautiful gleaming wood floors.

Up the spiral staircase from the 8th floor you can reach the 9th floor cardio room and separate work out room.  The cardio room is on the south side of the building and has a beautiful view of the Hillsborough River, and the new Curtis Hixon Park, as well as the Sykes building.  If you get tired of the outside scenery just tune the built in tv on the cardio equipment to your favorite station.  The cardio room also includes a stretching area.  Across the hall on the north side of the building is the weight room.  Free weights up to 50 pounds and different multi-purpose machines make this room more than adequate for almost every level of fitness enthusiast.

Zone 4 of the building is comprised of floors 10-25 and each floor has 16 units on each floor, 4 two bedroom units and 12 one bedroom units.

Zone 5 of the building consists of floors 26-32 (the penthouse also has the extra “secret” floor in the “loft”) There are 13 units on each floor with 6 two bedroom units and 7 one bedroom units.  All told there are 380 total units located within the walls at Skypoint.

There are 3 elevators that service these 380 units, with one oversized loading elevator, making for short wait times on your vertical commute through the building.  Just in case the wait time is longer than you would expect the developers did plan on that as well.  They provided for a television at each level to watch while you are waiting to go down the elevator.  Going UP the elevator you get an even more customized experience.  Your personalized key card that you swipe to get into the elevator foyer from the lobby or parking area will change the television to your favorite channel - WOW!  Once you get in the elevator and re-swipe your card you are then greeted by name on the yahoo news ticker inside each of the main elevators.  Read the daily news as you ascend towards your home in the sky.

Finishings are all upper scale with granite counter tops, 10 foot wall to ceiling windows, and upgraded appliances.  When considering a floor at Skypoint keep in mind that the even floors were originally finished by the developer in darker woods for the floor and cabinets, and the odd floors were done in lighter woods. 

I hope this helps anyone that is considering Skypoint as their downtown home.  Since moving in here on November 25, 2009 I have not had a day in the building where I wasn’t fascinated or intrigued by some aspect of this wonderful complex. If you have any questions about anything to do with Skypoint please email me or give me a call.

If you are procrastinating about your new home purchase you only have until November 30, 2009.  Some people think that to get this credit you must be a “first time homebuyer” but that is not true.  If you haven’t owned a primary residence in the last 3 years you may qualify for this tax credit. 

A tax credit is something that is actually paid to you even if you have not paid any income taxes.  It can also offset any amount that you may owe the federal government if you didn’t withold enough taxes throughout the year. 

You can qualify for this credit with an income up to $75,000 for an individual and $150,000 for a married couple.  There is interest in possibly extending this credit into next year, but it shouldn’t be counted on.

If you want to get moving and jump on this wonderful opportunity in real estate give me a call. 

813.463.8180

Hello everyone…

My blog is one of the most important things in my real estate careers.  After looking at the date of my last posting I am ashamed at the time frame between the last posting and this posting.

Over the months I have been busy with so many things, not to offer this as an excuse, but to give you a preview of the many topics that I want to address in my blog.

I have been struggling with many items.  Those include:

• The catch 22 in townhome/condo financing that is currently in place.  Credit is not an issue, but money is not moving, no matter what your score.  TARP money is being given out, but the banks are not giving it to you and I to buy these great deals.  Why is that?
• The legacy real estate business model and how it is obsolete in the current market for not only sellers but for buyers and everyone else that is involved in purchasing and selling real estate.  There has to be a better way.
• The incompetence of most agents regarding their listings, and the way they deal with buyers.  I have another job that pays my bills and for those agents that do this full time they feel the pressure of having to “acquiesce” to other legacy agents to just preserve a working relationship with them when in reality they are working for their clients not to save face with other agents.  It’s appalling how agents kiss up to other agents just to create an easy working environment for themselves.  My loyalty is to my client, not to some working relationship with someone I have no contractual or ethical obligation to for my business.
• Brokers that have taken their name and reputation for granted.  There are some agencies in the Tampa Bay area that are truly good at what they do and there are some, which I will detail later that I can almost certainly accuse of negligence.  People think because there is a cool shaped or colored sign that the agency that they hire is the best in the business.  They buy  a nice sign, and nothing else.  I will prove to you that these agencies want your listing so they can get buyers and not to promote your home sale.  In this age of economic distress I can’t understand why any broker would not use electronic lock boxes to make it easier for buyer’s agents to access your home.  This is either ignorance or it’s economical ( These boxes are over $100 each) .  Making your home easy to access ( of course with the proper showing notice) is KING in getting your home shown.
• Agents that don’t call you back.  This is an epidemic that MUST be stopped.  Try calling your agent and see how many times they actually answer on the first try.
• Agent direct numbers in the MLS.  This is a dedicated line in the MLS that allows the agent to put their direct number.  Many agents put their office number in their so that they will not be “disturbed” on their own time.  It’s our job to work for you at the most inconvienient times.  A direct number allows you to talk to the listing agent for any questions or to schedule an appointment, not an answering service.  That is a total cop out and a complete waste of your time.

I think this should give me more than enough to write about in the coming months… Please stay tuned for an in depth look at each of these topics..

Thanks for your support,

Jeff Zampitella

Sanders Realty & appraisal

Did you know that FHA loan limits for Hillsborough County are reducing starting on January 1, 2009.  The current loan limit of $292,500 is being reduced to $271,050, a ruduction of over $21,000.  Now don’t ask me  but is this NOT the time to reduce that limit?  This will  mean that many more families will not qualify for the FHA program and further reducing the buyer pool for available home inventory.

FHA is a governement backed loan that currently allows for a much lower down payment than for traditional loans, also called conventional loans.  Any conventional loan with less than 20% down payment is subject to private mortgage insurance or pmi.  Currently in the state of Florida PMI insurance is very difficult to come by for almost all condo purchases, and most new townhome developments.  Without pmi the bank WILL NOT loan you the money.  So essentially in Florida if you don’t have 20% right now on anything but single family homes you will not get a conventional loan, regardless of your credit score.

To avoid this pmi insurance requirement for conventional loans people are turning toward FHA loans to help solve some of the problem.  The downpayment requirement is currently only 3% of the purchase price.  This will also increase to 6% of the purchase price starting in January 2009.

In the areas of Tampa closest to the city center such as Hyde Park and Soho, this loan limit reduction could mean the difference between living in these areas or not.  Just when the housing prices were coming down to an affordable the US government will be reducing the loan limits shooting these homes out of reach once again.

People think credit is all it takes.  Not anymore!  Those that have 20-25% of their purchase price in cash assets will be able to shop around for their financing but then your financing will be subject to a 80% of the appraised value or the property price, whichever is lower.  This is what is killing a lot of the non- bank owned, and short sale properties.  Typically these properties have less room to work with or are completely upside down on their equity.  When the appraisal comes in, it is in many cases lower than the purchase price, leaving the buyer to walk, the seller to come down on their price, or something in between.  Usually the deal falls through.

I really wish I had written this blog sooner rather than on December 18th.  This is such an important issue in the real estate world that I am frankly surprised at the lack of hearing about this.  If you can find and close on your home before December 31st, and you are using FHA and your loan limits are right at the max don’t delay the closing into 2009 or you may loose the property.

Jeff Zampitella

When you hire a broker to sell your home you expect personalized service don’t you? I hope you do.  Then why do you let your agent not put their direct phone number on the listing so people can speak directly with them for questions.  It seems like a no brainer, but it’s becoming more common, especially with bigger brokerages.  Bigger isn’t always better.

One big name agency actually assigns an agent to the property they are marketing.  That’s not so bad, but they never indicate that agent in the MLS which means you play that fun game of phone tag until you go down the list starting with their lovely receptionist who could care less about your call.  Showing the property is so much of a hassle if there is something similar I’ll show that property first.

My biggest pet peeve is not being able to call the agent directly.  In the MLS section that realtors only have access to there is a spot for AGENT DIRECT PHONE.  On my listings I put my cell phone number there so the other agent can dial it and talk to me directly.  Makes sense to me, so why do other brokerage firms put in their main switchboard number on the agent direct number? Not a big deal you say? Well what if my buyer is serious about buying your property but has some questions or even worse what about the process of submitting an offer and communicating with the listing agent during negotiations.  Having to go through the main switchboard all the time drags this process out and could actually jeopardize the sale.  You list your home with an agent, and although that listing technically belongs to the broker it is still the responsibility of that agent to market your home and be available for any questions.  INSIST that your agent put their REAL direct number in that field so you don’t miss a potential sale.

This same self proclaimed big time Tampa agency also doesn’t use Electronic lock boxes on their properties. This baffles me.  Forget that they cost about $125 each, these lockboxes are state of the art and not only make your property easily available they also provide an electronic record of every person that shows the property. Again, with the hassles involved with not having a lock box of any kind on the property sometimes it’s easier to just show a similar property.  Is this what you want agents to do if it’s your listing? Why wouldn’t you want to make it easier for agents to access your property so it shows more and has a better chance of selling? Seems like common sense, but people continue to list with this company and they wonder why their place isn’t showing.

Only licensed realtors have access to these electronic lock boxes  and if you would like an added layer of security I can program a box with a special code that must be given to the agent before their code will work.  This ensures that the property will not be accessed without prior permission of the listing agent and owner. In this day and age there is NO excuse for using anything other than this type of key box.  The other reason for using this type of box is that you are able to pull up via a web page everyone that has ever shown the property.  So if you reduce your price or want to send an email to everyone that has seen the property the information for doing that is just a few clicks away.  This is an example of using technology to help your sellers.  The broker that doesn’t believe in these boxes will tell you that they like to provide personalized service and that is true, but it’s more about access and the plain truth is that the properties with the easiest access will be shown the most.  Demand that your agent provide at the very least a coded lock box to give you a better chance.

Can your agent give details about your property without referencing the listing or other material? If not then they have too many listings. How can they properly service your listing if they don’t even know the basics about it? This is another sad trait of agents with name brand companies.  They tend to get a lot of listings, which is great for them because the listings actually bring buyers for them to sell not your home, but someone elses.  The agent also promises to do open houses, which I do as well, but something that isn’t apparent to most people is that the open house actually brings in leads to the agent which they in turn use to show other listings to that person.  The chance of actually selling that particular home to someone from your open house is far smaller than the chance of selling them something else.  The great majority of home sales usually come from another agent that brings a buyer.  The listing agent statistically doesn’t usually sell your home.

Just because they don’t actually bring a buyer doesn’t mean that they are not working for you.  There are 2 phases to selling your home.  The first phase starts with marketing your home and finding a buyer.  The second phase is often overlooked  by most people but is much more important that the first.  Making sure that the offer closes with the least amount of problems.  There is all sorts of coordination that needs to take place when a sale is schedules.  A good agent will be on top of all the required steps that lead the buyer and seller to a successful closing. It sounds much easier than it actually is but that is why you pay the agent, for their experience and professionalism to make the process as easy as possible on you the seller.

Finally, make sure your agent is using modern technology to market your home in as many places as possible.  Nearly 85% of all initial searches start with the internet.  Just being in the MLS isn’t enough anymore you MUST insist that your agent market your home in zillow.com , trulia.com, craigslist.com, just to name a few.  I use software that syndicates your listing not only to the top 20+ real estate websites, but also to an internal system of agents that also use the same software.  My listings show up on their website which increases the chance of someone seeing them.  The goal is to sell your property, wether it’s me or someone else that does that the end result is the same. Agents that rely solely on the MLS are cutting you out of a huge potential buyer base.  Is that what you pay commission for? Make them earn it and insist that they syndicate their listings.  If they don’t know how or don’t know what you are talking about, fire them, and find someone that does.

Thanks for ready my blog today,

Jeff Zampitella

The new Publix Greenwise located at Azeele and Platt in Hyde Park/South Tampa area has come a long way.  It is rumored that by Thanksgiving this store will be open for business.  It’s an amazing store that has considered the historic look of Hyde Park and preserved the feel of the neighborhood.

Although this store is a only the second multi-level Publix ever built (the only other one is in Miami beach), it has been tastefully done.  The exterior arcetecure beautifully blends in to the local surroundings, especially the Madison Soho Condominimums.

I had a peek into the front doors, which will be located off Azeele and I was amazed at the look of the store, even though it’s still in the construction stage.  Make no mistake, this store will be a showcase for the local area, greenwise or not, it will wow and impress us all.

It’s been a few months since I took pictures of this development.  I have compiled all of the pictures in one place.  Take a look at them HERE.

Jeff Zampitella

Which do you prefer quality service by experienced professionals or a flashy name with nothing more to offer than just that - their name?

As an agent there is nothing more frustrating than dealing with some of these big name operations.  It is much like dealing with Wal-mart or a corporate restaurant.  There is no home town feel or any personalized service.  When you list with some of these companies you get thrown into a pool.  Your listing doesn’t even have someone listed as a “personal -direct” contact.  The listing is assigned to any agent but in the actual listing it is often hard to even tell who that is.  I wind up calling a switch board, which in turn takes 2-4 minutes to look up the property and connect me, usually to their voice mail.  I have realized quickly how cricial it is to be in state of constant availability.  In this day and age of instant communication, the buyer or seller will simply move on to another agent to get the information they need.  I am constantly amazed at how generic these big companies treat their clients.

On the other hand, in addition to the tradional contact methods such as phone, mail, and email I have tried to harness the great power of the internet to allow me to be contacted as quickly as possibly.  My contact methods place you in DIRECT communication with ME, not some switchboard operator.  Not everyone wants to use the new gadgets of the future such as text messaging, and such, but on my contact page I at least give a “choice” so YOU the consumer, can decide which is best for you.

Personalized service is an art form in America that we have simply accepted not to expect.  This is wrong!  You are the customer and you deserve more from those that are working for you.  The big named companies sure can attract listings, but what good are they if they can’t service them correctly?   Agents at these companies are often swamped with too many listings, especially with this time of high inventory levels.  This means that if you are a seller, your brokerage firm often doesn’t have the time or resources to effectively manage and market your property.  Just the fact that I taking time to write this blog and you are reading it proves that I am willing to go the extra mile to sell your home or help you find the one you have always dreamed of.  Blogs take lots of time to produce, if you write your own content and for those of you that don’t know how the internet search engines work, blogs are one of the most important tools to help you get your site noticed.  If your site is noticed more, then more people visit it, and check out the properties that are for sale.

I have been actively involved in building websites for almost 10 years.  I am very lucky that this knowledge transfers very well into the modern real estate business.  Coming in October I will be re-designing my website for greater exposure and marketability.  I am a firm believer that evolving with a market and product are a must in any industry.

This new website and marketing tool will take Sanders Realty into a new direction.  In real estate it’s all about exposure to buyers and sellers and the internet accounts for 85% of the initial research for those interested in real estate.  Big companies underestimate the importance of SYNDICTION and they are selling you short if you are relying on them to be experts in marketing your property.  What is syndication? Have you heard of zillow.com, or trulia.com, or how about this biggie, craigslist.com??? I can’t stress to you how important these sites are at providing leads to my website.  Some companies are afraid of these sites, or they are simply too lazy to take the time involved to add your property to these sites.  Most of my referals now come from one of these three sites!!! The MLS is a great tool, but that is simply not enough anymore.  By upgrading my website with the latest in syndication software I will be able to “automatically” publish your listing to these three sites, as well as over 20 other sites that are real estate focused and are very important lead generation tools.  Currently I have to manually add my listings to these sites, but with the new software it will immediately add your listing to all of these sites at the same time.  The potential exposure was well worth the upgrade and additional expense on my end.

Sanders Realty & Appraisal is a local, South Tampa, family owned real estate and appraisal business.  The owners went to school right here in South Tampa and have been part of the community all of their lives.  Their children work in the office in additon to Mr. Sanders Sr., bringing over 50 years of property appraisal experience with him to the family business.

What impressed me most about John and Jo Ann Sanders was their willingness to listen to the client and formulate a plan based on the client’s needs, and not the needs of their own company.  An often used trick by many of the big name brand agencies is to tell you your home is worth more than what the comparative market analysis of similar homes in your area would suggest.  This creates a mental high for the customer, with the ensuing -  where can I sign the papers craving.  The big named brokerage just simply wants your listing to further along their other properties.  Soon after the listing hits the mls and weeks go  by with no one so much as wanting to see the property, the big brokerage suggests that you agree to lower the price.  Unfortunately it’s usually too late, as your overpriced listing now is stale and instead of being honest and suggesting the proper price in the beginning, they will bait you into the listing  by telling you an artifically higher price than the market will bear.  You may not believe it, but this happens all the time.

Many people that have tried the big names find us.  It’s always great for us if you have tried the designer labels  because it will often lead to a greater appreciation of our product.  We are here for you and your business and our reputation are what is most important to us.  People are amazed at the personalized service that we offer our clients.

So if a fancy orange sign, hot air balloons, or a gold coat are what you think sell real estate in the real world you are probably better off seeking out a designer label for your home, but if you value a true market leader, one that uses technology and the internet to capture niche markets and to fully expose your home to the every corner of the internet you need a home town leader and professional, you need Sanders Realty.  We care not because we have to, but because we want to.

Regards,

Jeff Zampitella

In the old days when there was no internet word of mouth, referrals, and print advertising  were the king to get your property exposed to most people.  These days with the advent of the internet  and almost instant communication people are looking for more information on property, as quickly as possible.

85% of the intiail searches for real estate are intiitated on the internet.  Sites such as zillow.com and tulia.com amoung others are attracting more and more users that want to be able to search for property on their own.   Some REALTORS would see this as a negative, but I see it as an efficiency step and saves the agent from trying to interpret wants of the buyer, which sometimes do not translate into an effective showing.

The internet doesn’t threaten the role of the real estate agent it simply enhances it because when the time comes to finally see the property there must be a system in place to safely and legally be able to view the property.  This is where an agent becomes a necessary and very important ingreditent of the whole process.

You will either love a home or hate it, and there is no agent that will ever  be able to talk you into buying a home that you don’t like.  The house sells it’self, or not! Why then do you need an agent at all?

The agent’s real work begins once a property is located.  A good agent will completely immerse themself into the transaction with the end game of a closing always being the most important event.  The real work starts when the offer becomes a contract (meaning the buyer and seller both agree on price and terms).

Getting a contract to closing requires the precise skills of a Hollywood director.  Everything must be orchestrated on cue with no hesitation.  Home  and termite inspections, financing application, paperwork submission, final walk through are just some of the things that the real estate agent becomes the director of.  A good agent will always be on top of these things and earns his fee by constantly babysitting every party to the transaction.

So just remember that an agent isn’t just there to find you a home.  You can do that basically on your own using the internet.  The real value of an agent is once the contract becomes effective.  Let there be no mistake, with very few exceptions agents earn their fee twice over during this complicated process.  I can’t imagine being a buyer or a seller that wouldn’t want the expertise of a seasoned agent, or better yet one that has taken the ethical pledge and belongs to the National Association of Realtors which allows the agent to call themselves a REALTOR.  Using a a flat fee mls or trying to sell your home by yourself is like asking an intern at the hospital to do your triple bypass surgery.  It may work, but would you want to take the chance?

Jeff Zampitella

Hi,

It has been a long time since my last entry so I wanted to explain why.  I’ve been evaluating website providers, blog programs, MLS search engines, to name just a few.  I created a sister site to this one that I have been quietly working on to bring it to you live in the near future.  My current contract with my hosting company expires in 2 months, so I want to be ready for a complete website makeover with some pretty important changes.

I have designed websites for years from scratch, but real estate as most dynamic business require a back end program to pull the data together and present it in an easily readable way.  The new vendor of this back end program will be providing me with many more tools to be able to service clients more efficiently and to capture more leads for my sellers.

The system I am going to use is called point 2 NLS.  It is an amazing real estate web presentation program.  Two BIG things that point 2 NLS will do for us over other offices in Tampa is allow for instant syndication of a seller’s listing with other local NLS sites, AND also this program will syndicate to over 20 major real estate oriented websites, giving the seller 20 times the exposure!  This includes big self search sites such as zillow.com and trulia.com and condos.com to name just a few.  It will also give us a two click syndication of a seller’s listing on ebay, as well as craigslist.   The amazing power of exposure and the numbers game make this program a must have for anyone that is serious in real estate marketing!!!

With this new site, I will also be able to completely customize the look and feel of the pages using my own graphical design effects.  My goal is to make it so easy that people will use it exclusively for their real estate searches.  It should be that good!

Along with the re-design I have been working also on sprucing up our logo and company website to match these changes.  It is my hope that in the end Sanders Realty and each team member will have their own site. Each site will be modeled off of the master Sanders Realty site, but with it’s own unique content.  Listings for the office will eventually appear on the Sanders Realty Website and then automatically they will show up in every Sanders Realty agent’s website, as well as any other company in the Tampa area that we approve to show the listing!  It’s an amazing tool and let’s face it in these tough times harnessing the power of the internet and using it to it’s fullest potential will be the only way to get results for our sellers.  Buyers will win too with a huge selection of searchable property at their fingertips.

So, October 1, 2008 will be opening day.  You don’t have to do anything at all except remember my site address: www.sohotamparealty.com .  On that day you will automatically experience all of these wonderful tools.  It’s something that has been in the works for a few months now and ladies and gentlemen, this is a BIG deal.

Until then I will try and get more posts to my blog going.  I have some interesting thoughts on the housing industry and some news on condo/townhome financing, but I would like to devote a blog to each of the topics so I can cover them more comprehensively.

Thank you for reading my blog and I’m sorry it took so long to get back to you!

Regards,

Jeff Zampitella