Mortgage Rates Decline to 5-Month LowLast week’s better-than-expected reading on the Consumer Price Index helped to push mortgage rates down to a five-month low, according to Bankrate.com’s weekly mortgage survey of large lenders.
The average 30-year, fixed-rate mortgage fell to 6.48 percent, the lowest since March 29, while the average 15-year, fixed-rate mortgage, popular for refinancing, dropped by a similar amount to 6.19 percent

Home warranties can be a very useful tool for avoiding alot of hassles with all the mechanical items in a house. The company, Old Republic would be an excellent choice. I have been very impressed with their service, website, account executives, etc.

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AN OFFER YOU CAN'T REFUSE
A good home in good condition in a good neighborhood offered at a fair price will still sell in a reasonable amount of time, experts say.
But in today's market, some owners want to offer a little extra incentive to help their home sell as quickly as possible. Here are some
suggestions:
• Pay homeowners' association fees for up to two years.
• Pay the buyer's home insurance for up to a year.
• Offer a bonus to the buyer's agent.
• Buy down the mortgage rate by a percentage point or two to lower the buyer's monthly payment.
• Pay closing costs.
• Replace all the appliances with new ones

Excellent location in desirable neighborhood on a great lot. Home features a spacious master bath with large garden tub, large wi closet, gas log fireplace, back porch wired for cable, & much more. All stainless steel appliances included! Also wired for a well.

New listing in Lake City, Florida. Beautiful home for sale.
Location! Location! Quiet & quality neighborhood, very close to schools, town, shops, & hospital.

This home features: Quality bathroom tile in large master bath, open floorplan, tall vaulted ceilings, accents, large back screened-in porch, back yard patio & more. Call for a personal tour today.

PROPERTY INSURANCE
News reports focus on the large property insurers that are canceling policies and cutting back on coverage, but some small insurers see Florida as an opportunity for growth. Since the start of 2005, 24 new insurance companies have entered the state and opened their doors for business.
Read the full story:
http://www.planetrealtor.com/florida/news/daily/news.cfm?article=n5-08092006

SELLING A HOME IN A COOLING MARKET
A drop-off in buyer demand and rising home inventories has made marketing a home more difficult. RealEstateJournal.com, The Wall Street Journal's guide to property, offers tips:
1. Size up the playing field. Study your local market and investigate other homes' listing prices compared to what buyers are actually paying.
2. Price competitively. Price a residence just below what the market will bear. If a home is overpriced, a buyer will dismiss it and move on to the next one.
3. Do your legwork. Use aggressive marketing.
4. Don't delay. Point out to a seller that even if an offer isn’t all he had hoped, taking it instead of waiting for a better deal can save money in the long run.
5. Negotiate. Recommend that sellers offer concessions to potential buyers, such as making minor fixes. Small expenditures speed a sale and, ultimately, preserve price gains.