Palm Coast Homes & Condos

Give me 10 Minutes and I will show you a way to "Be Debt Free"

2008-12-21T23:57:00Z

If you Give me 10 Minutes on the Phone, I Will Give You Your Home Free and Clear!

Northern Florida Homeowners are reeling here in Ormond Beach/Palm Coast due to declining home values. Many people who believed they had safe equity in their homes are shocked to realize they are actually upside down and owe as much or more than their homes are worth.

With all that depressing news…I am feeling the Pain…but I SEE HOPE!…There is now a proven financial software solution…to Pay Off Your Traditional Mortgages in a Fraction of the Time! And to accomplish this amazing feat…

1. Without refinancing (excessive refinancing is a major reason for our current mortgage crisis)

Without increasing your current mortgage payments
Without altering your current lifestyle

Discover the lifetime program that has been made available to homeowners to help build equity back into their homes. Some residents now have the power and are quickly & safely building back the equity in their homes. In fact tens of thousands of homeowners across the United States & Canada are already using this remarkable Debt Reduction system to…

“The Money Merge Account ä” system …Discover how to break the cycle of financial drain....Pay off your mortgage in 1/2 to 1/3^rd of the time with little or no change to your lifestyle or refinancing of your existing mortgage.

My name is .Mel Thibault, MBA.

and I have been in the Real Estate industry in Northern Florida, Palm Coast & Ormond Beach, for almost 10 years. Over those years I have seen different Mortgage plans come and go, however, I have never seen anything even close that offers the power and flexibility to quickly “Pay Down Debt” ….. From the moment I became aware of this “Financial Analysis Software”, I knew I had to help people pay off their home loans and bring equity back into their lives.

We are on a mission to bring equity back to our Community to get your mortgages paid in full.

WHAT WOULD YOUR LIFE BE LIKE IF…?

No house payments, …… No car payments,….. No credit card payments?

Could you retire now? ……Could you pay for your children’s college education? .

Could you take a dream vacation every year?

YOU HAVE IN YOUR HANDS THE POWER TO DO ALL OF THE ABOVE. IT WILL REQUIRE ONE PHONE CALL TO SEE IF YOU QUALIFY.

In Strict confidence … We require only some basic income and mortgage information to enter into the system to determine if your qualified for this program.

OUR AVERAGE LOCAL CLIENTS ARE SHOWING SAVING OF OVER $200,000 IN MORTGAGE PAYMENT REDUCTIONS.

They are Also on Pace to Own Their Homes Free and Clear in 1/3^rd of the Time.

Call me directly at my office at 386-671-1671 for a free over the phone evaluation. It will only take me about 6 minutes on the phone (to enter the data) to see if you qualify for this program. So don’t delay and if you get a busy number, it means I am helping someone else…. so please just leave a message and I will call you back right away.

This “Money Merge Account” System works 24/7, and we guarantee it in writing. You have nothing to lose by calling and everything to gain. I look forward to talking with you soon. This is literally the most important financial letter you have ever read. You can literally save hundreds of thousands of dollars in future mortgage payments!

“See attachment Chart of Sample Mortgage Pay Down”

Sincerely,
Mel Thibault, MBA
Branch Manager 386-453-3145 (cell)
Mel@RealtorMel.com
independent agent for United First Financial and Member Palm Coast Flagler/Chamber of Commerce.

Build Your Dream Business Today......

2008-10-13T01:53:00Z

Building Your Dream Business Today….

Developing multiple cash flows is critical in this kind of economy we are experiencing today. One job or one business is not enough. Which is why you need to have additional income from a growth business that provides long-term income potential for years into the future. You should be looking into one of our growth U.S. National Company that offer part-time or full-time high income and top training from some of the best trainers in the country.

If you have multiple cash flows you can weather bad situations or adverse changes in any one business or economic downturn. ….Is the Glass Half Full or Half Empty !!…. Don't for one minute believe you can't make a great income. In fact you can make a fantastic income today, without a college diploma as many of our lead representatives are doing. Many of the Forbes 400 did not graduate college and the ones that did, rarely used their degree to build their fortunes.

We help people from all education levels increase their incomes and their confidence in the business of making a top income. Please pass this newsletter along to someone who is interested in making more money and having the opportunity to fulfill their "Lifelong Dream" to be financially independent while having a lot of fun doing it!! Until the next newsletter, go out and find your dreams. For further information on how you can start earning income call (in confidence) ……386-671-1671 ask for "Building a Dream Business" and we will Mail or Email a Money Making Package to you….. You have nothing to loose…

Foreclosures up 55% Last Month

Foreclosures continue to surge with no relief in site. This is the biggest buying opportunity in 20 years. The biggest shift in wealth is going on in your own back yard. The only question is will the wealth shift to you or from you? Banks and lending institutions are resorting to auctioning their REO properties (Real Estate Owned) in bulk. They are truly motivated and this is a great time to buy some choice properties and wait for the turnaround. Especially in sunbelt states. Those markets still have over 40 million baby boomers that will drive those markets over the next decade. You need to know how the world of the REO agent works. Who better to train you then a former Reo agent?

There is a tremendous window of opportunity now and in the next couple years to help local Homeowners pay off their mortgage in as little as 1/3 to 1/2 the time. This is not the time for the speculator but the trained investor. If you would like top notch training by personal instructors or by CD or thru Webinars over your PC -- where you can learn from home at a training pace that is convenient to your schedule with full follow up support. For further information on how you can start earning income call (in confidence) ……386-671-1671 ask for "Building a Dream Business" and we will Mail or Email a Money Making Package to you….. You have nothing to loose…

New Tax Act 2008

2008-09-13T23:32:00Z

What the Housing & Economic Recovery Act of 2008 Mean to First Time Home Buyers!

    It means a lot if you are in the market to be a homebuyer-- up to a $ 7,500 tax credit if you purchase before July 1, 2009. First time home buyer is defined as, " a buyer who has not owned a principle residence during the three-year period prior to the purchase"

    In order to receive the tax credit you must purchase your home-- single-family detached, townhome, condo etc. between April9,2008 and July 1, 2009 (ie. Purchase being the Closing Date). You must also meet income requirements. But even if you are over the modified adjusted gross income livel of $ 95,000(Single) or $ 170,000 (Married), you may be able to receive partial tax credit.

    For further information on the Tax Credit Program Email Mel@RealtorMel.com and we will send you a Newsletter or view the Newsletter On-Line ....

Art in the Park

2007-10-24T12:00:00Z

The 2008 Art in the Park Fine Arts Show and Festival, at the Palm Coast Community Center
in Palm Coast Fl., is growing in popularity with young and old alike. The Flagler County Art League and the City of Palm Coast, Parks and Recreation, began this event 4 years ago as a joint project. They wanted to present a spring fine arts how of local artists to the community; in the last two years the show has evolved into a prestigious judged art show. Art in the Park has now expanded to include an outdoor park festival. Visual arts and amateur and semi-professional musicians, singers and dancers present a multitude of great local talent that support a multi-cultural weekend right here in our community. Local fine art vendors, a Kid's Kraft Zone, food and artist's demonstrations and clinics will be back again next March.
Realtor Teresita

Changes with the FHA Program... TO GO

2007-10-02T01:20:00Z

FHA Home Loan Program
Poised to Take Off:

FHA-insured home mortgages -- marginalized or squeezed out of the market during the sub prime loan boom years -- are poised to roar back. And if Congress passes a compromise version of FHA reform legislation, maximum loan limits for FHA could rise immediately to $417,000 -- or even a lot higher.
      Last month the House overwhelmingly approved a reform bill that would cut minimum down payments to zero, and increase loan limits in high cost areas of California well beyond $500,000. Under the House-passed bill, FHA could insure mortgages as high as 125 percent of the median home price in a market area, or 175 percent of the conforming loan limit for Fannie Mae and Freddie Mac -- currently $417,000. In addition, the HUD Secretary could raise limits by another $100,000 if local conditions required such a move.
      In effect, southern California, where FHA loan applications have been almost nonexistent in recent years, could conceivably see a new wave of jumbo FHA mortgages in the $700,000 range and beyond.
      Meanwhile, the Senate Banking committee last Wednesday reported out its version of an FHA reform bill, but with much tighter loan limits - $417,000 maximum - and a 1.5 percent minimum cash down payment, down from the current 3 percent minimum. The full Senate is expected to approve the Banking committee's bill soon, sending the FHA issue to a House-Senate conference committee to work out the differences.
      What's likely to emerge in the final bill sent to the president in the coming weeks? At the very minimum, Congress is now almost certain to make FHA competitive again in high-cost markets. A $417,000 limit for California would still be well below the state's median home price in the mid-$500,000s. But it would provide potentially tens of thousands of home buyers an attractive, consumer-friendly alternative to what they've got now. The huge gap between the House and Senate loan ceilings will need to be bridged in the upcoming conference. There may also be pressure to raise Fannie's and Freddie's limits during Senate floor debate or through a separate bill -- opening the door to at least a temporary "jumbo" program for FHA, Fannie and Freddie.
      There are some potential minefields facing conferees however: The House version of the bill contains a proposal from Financial Services committee chairman Barney Frank (D-Mass.) to tap into FHA premium revenues to help finance a new National Housing Trust Fund for affordable housing activities. Separate legislation from chairman Frank would also tap into revenues of Fannie and Freddie. The Bush administration opposes siphoning off FHA resources for the Fund, and the Senate did not include the concept in its bill.
      Another sticky issue: The Senate bill prohibits "down payment assistance" for FHA loans involving "anyone party to the transaction." That would presumably cut off dozens of nonprofit groups around the country that now provide such assistance. The House bill imposes some restrictions on down payment assistance providers, but does not ban them.
      The House bill authorizes FHA loan terms up to 40 years, but the Senate bill is silent on that issue. The Senate bill allows FHA to use "risk based pricing" on all loans where borrowers make less than a 3 percent down payment -- a provision favored by the Bush Administration. The Senate bill has no language on the subject, but some Republicans are strongly opposed to allowing FHA to directly compete with private mortgage insurance firms for borrowers who present varying levels of default risk.

Sunday Brunch at European Village

2007-08-29T19:05:00Z

We went to Sunday Brunch the other day with a friend. We met other friends dining out, as we were walking in. Since we had never been there before, we elected to be seated inside (you can eat outside on the open). After a slight wait while the server cleaned the table, we had the opportunity to talk to one of the Owners making Mimosas (they looked enticing... as it was a warm day) and we had a chance to really observe the ambiance- very pleasing. All of us orderded the very same thing-- Eggs Benedict-- Yum, Yum - from a varied breakfast menu.

If you are looking to explore the same experience while in the Palm Coast area, try "La Piazza Cafe" at European Village Resort. Breakfast and lunch served 7 days a week from 7am - 3 pm. Dinner served 5pm. Tuesday- Sunday. Reservation accepted (386) 246-6366. Note: the prices are resonable and the service was what you would expect from an excellent cafe.