FUMING BECAUSE YOU WERE TURNED DOWN FOR A MORTGAGE?

      Eddie Velie, Licensed Mortgage Broker has moved to Meridian Financial.

       The power of Velie Real Estate Services & Meridian Financial enables us to take your application, check your credit and shop your loan to over 100 lenders very quickly.

       Forget the big banks that force you to fit their limited loan plans — We fit the plan to you by shopping multiple banks using multiple mortgage scenario search engines. When the best rate and terms are displayed we submit the application to that bank.

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EDDIE VELIE (954) 263-6287

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Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key, Indian Key,

Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua, Port Antigua,

Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor, Mallory Harbor,

 

 

 

 

 

 

Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay Coral bay coral bay coral bay Coral Bay coral bay, coraloral bay Coral Bay coral bay, coral bayCoral bay coral bay coral bay Coral Bay coral bay, coral bay

 

 

 

 

 

MY GUIDING PRINCIPLES:

· Professionalism

· Honesty

· Fairness

· Accountability

· Skill

· Care

· Diligence and

· Confidentiality!

Articles and opinions here in do not necessarily reflect the opinions of EXIT Realty or Meridian Financial.

THIS MONTH

· Pg 2       CDD Editorial— Open House Signs &                                Fiduciary Responsibility

· Pg 2       CDD Facts

· Pg 2       Foreclosures

· Pg 2       Closings

· Pg 3       Selling Houses By The Yard

· Pg 3       Pack 836 Builds a Suspension Bridge

· Pg 3       First Impressions

· Pg 4       Quick Facts On Coral Bay

· Closed Sales,

· Expired Listings

· Active Listings

· Pg 4       In A Seller’s Mind

FREE Down Payment Analysis (954) 263-6287

FREE Expired Listing Analysis (954) 263-6287

Coral Bay BARGAINS

All of these homes are priced well below their CMA value.

à 3097 CARYSFORT LN                 $425,900

à 4/3/2 car With a 532 SF Patio

à $10,000 Towards Closing Costs

à 6304 OCEAN DR                              $424,900

à 4/2/2 car/500+ SF Patio

à 6204 JAMES ST                               $339,000

à 3/2.5/1 car / Full Size Corner Lot

à 6213 JAMES ST                                   $369,000

à 3 BR/2.5 Bath/2 Car Gar/FL Room

à Very Large Back Yard

à 3045 GREEN TURTLE PL               $315,000

à $5k to Closing Costs/$5K to Repairs

à 3 BR/2.5 Bath/1 Car Gar/Corner Lot

OUTSIDE CORAL BAY

à 6696 W SAMPLE RD B22          $170,000

à 1/1 Luxury Condo

à 11522 Country Sound Rd             $319,000

à 3/2/1 car—Boca Raton

No One Knows Coral Bay Like Eddie Velie, Realtor & Licensed Mortgage Broker

Unfiltered

Coral Bay News

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VelieRealEstate.com

Page 2

CDD Editorial – Open House Signs & Fiduciary Responsibility

       The latest issue I have with the CDD is the issue of “open house” signs that Realtors use to draw traffic from the main roads. The CDD board voted several years ago, NOT to allow them except one or two in private yards. The current board members even take it upon themselves to enforce it by taking the signs and disposing of them.

       At the last CDD board meeting the Chairman actually proposed the CDD have their own “open house” signs made and rent them to the Realtors for $200. If the Realtor returns the signs, they get their $200 back. I lose an average one sign per open house.

       This is another example of CDD policy that does the opposite of the  purpose of the CDD. If people don’t see the houses, they will not buy the house. The more people that see the house the more likely the house is to sell. Remember from a previous newsletter? “Anytime you restrict demand for a product, you restrict the price.” Less lookers = less buyers. Less buyers = less offers. Less offers = lower offers. Lower offers = Lower values.

       Furthermore, a CDD supervisor’s job does not include code enforcement. Therefore, a board member taking a sign is simple theft. How stupid can this get? That would be like the Mayor taking down a business’ sign because it did not meet code.

       If proven in civil court, his proposal and the “THEFT OF SIGNS” is “BREACH OF FICUCIARY RESPONSIBILITY.” In short, it means, “FAILURE TO ACT IN THE BEST INTEREST” of Coral Bay. To “act in the best interest of” is the primary duty of any board member.

       We need leadership that knows what their purpose is and can recognize anything contrary to that purpose. We will not get it with this board. It is indicative of this board’s weakness in leadership that they have chosen the

At Home In Coral Bay — Sept-Oct 2007

A Mortgage & Real Estate Newsletter By Eddie Velie Real Estate Svcs

Chairman from amongst themselves. The CDD Chairman was happy with the status quo of increasing assessments, the incomplete $2 million wall (est), the closed down parks & pools, the burned out lights, and the missing lights at the entranceway.

       Should I go on? He voted against allowing me to voluntarily refurbish the playground saving Coral Bay more than $25,000.

       He is happy with the old CDD management company and they are still managing his HOA. He, his HOA, and  that board, where he is a director, are named and embroiled in a civil lawsuit filed against them in December 2004. Among other things, they are charged with libel, and breach of fiduciary responsibility. Further, he was never elected but was appointed by the board. Then the other four board members voted to make him Chairman of the board. That is weak, weak, weak. :-(

       I have made my point. If any one of you want to run for a seat on our CDD board, call me. The election is November 2008 and there are deadlines to meet. I will help. n

MARGATE’S NEXT BULK PICK UP DATE:

October 9, 2007

Don’t miss it because the next one is

DECEMBER 4, 2007

FORECLOSURES

         The number of homeowners receiving foreclosure notices hit a record high in the second quarter, driven up by problems with subprime mortgages. The delinquency rate, which tracks the number of homeowners with late mortgage payments, was also up sharply. Read the full story:

http://www.floridarealtors.org/NewsAndEvents/n3-090707.cfm n

No One Knows Coral Bay Like Eddie Velie, Realtor & Licensed Mortgage Broker

Page 1

At Home In Coral Bay — Sept-Oct 2007

A Mortgage & Real Estate Newsletter By Eddie Velie Real Estate Svcs

Selling Houses By The Yard

         NEW YORK – Aug. 20, 2007 – Most homeowners know that replacing the roof or upgrading siding can enhance a house’s curb appeal and boost its sales price. Now, as the housing market continues to weaken, some people are considering what the payback will be if they invest in things that appraisers routinely overlook: flowers, shrubs and trees.

         Real-estate agents say a nicely landscaped property can have a pronounced effect on the asking price of a home, depending on the region and the condition of the neighbors’ yards. Doreen Drew recently sold a house in Anthem, Ariz., that had sculpted hedges, a lush lawn and a backyard waterfall for $1.1 million, nearly twice the asking price of a similar home nearby with a plainer yard. Bill Good, a broker in Colorado Springs, Colo., says he just sold a house with newly planted mature bushes and fresh sod in the front yard for $1.225 million; previously it had languished on the ma