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Thursday, February 26, 2015

Beautiful Naples Florida Estate Residence

Colliers Reserve.....Naturally!

This estate residence has been meticulously maintained and features many custom upgrades. The home boasts 3 spacious bedrooms plus a den with closet, a formal living room and a casual gathering room off the updated gourmet kitchen which features a gas stove and new granite. Colliers Reserve offers both full golf or social memberships!

The focal point of the formal dining room is a dramatic mural by renowned artist Don Kettleborough. [click photo below to enlarge] Additionally the home features a wonderful outdoor kitchen, custom designed heated pool with fountain and lovely landscaping that frames the fabulous view of the 4th fairway while ensuring privacy. This is the ideal home for the golfer looking for a private club, in a natural setting, with an active lifestyle, in an intimate community of exclusive single family homes. This truly is one of the most beautiful communities in all of Naples Florida!
Don Kettleborough Mural
Call us today for additional information, or log onto our Naples Real Estate website for a virtual tour, additional photographs, or to arrange a private viewing of this magnificent home! 1-239-370-0574
Thank you and make it a great day,
The Naples Real Estate Blogger

Friday, February 20, 2015

"Home's Best Friend"

Coldwell Banker
to unveil the
'Home's Best Friend'
commercial during the Academy Awards show!

For over 109 years, Coldwell Banker has helped people find a home.
Our mission now expands to 'man's best friend'...
We have teamed up with Adopt-a-Pet, North America's largest non-profit pet adoption website...
~to help dogs find a loving home.
It's no surprise that we believe every loving animal deserves a loving family...and a loving place to call home! "But, we're not the only one!" As reported in the website today, the 'Home's Best Friend' commercial was the brainchild of the marketing group, Siltman & Partners, the national agency for Coldwell Banker Real Estate LLC; and although the full ad is currently available on the Coldwell Banker website, most of the nation will see it for the first time during the unveiling on Sunday night during the Oscars! They anticipate over 40 million viewers will be tuned in, making this a tremendous opportunity to raise the awareness of this project.
Coldwell Banker is legendary in helping people find homes; since 1906 they have been the premier provider of full-service residential real estate in the United States. Abbie Moore, the executive director of Adopt-a-Pet says she's, "amazed and inspired by the desire of Coldwell Banker to launch this amazing program." ~and, Trust me when I tell you, it is one of the most heart warming TV advertisements I have ever seen! Even the behind the scenes footage on the Coldwell Banker YouTube channel is great fun to watch!
The Harris Peppe Team has always been big supporters, both philanthropically as well as giving countless hours as volunteers at out local shelter here in Naples Florida. This new program has motivated us to continue helping adoptable dogs find homes in our community. 
If you have photos of a pet you've adopted, please send it to me at so we can feature your 'Best Friend" on our website! We have several 4-legged grand dogs, all from our local shelter! ~And, the last time my broker and I went to the Naples shelter to give a donation from the Coldwell Banker CARES Foundation, one of the fuzzy doggies caught her eye, and is now part of her loving home!
As every dog lover knows, there's not much that compares to the unconditional love you get from a pet. I am proud to be affiliated with a company that understands this and has done such a remarkable job capturing that love!
Thank you, and make it a great day!
The Naples Real Estate Blogger

Wednesday, February 18, 2015

Mortgage Hurdles and How to Overcome Them

4 Annoying Mortgage Hurdles & How to Overcome Them:

As recently reported on, there are some common stumbling blocks that borrowers encounter, and here are some suggestions for helping you to overcome them:

1. A High Debt Ratio: It doesn't matter how great your credit score is, or how much money you earn; your housing payments plus your credit obligations cannot exceed 45% of your monthly income! If you have debt preventing you from getting a home loan, one way to possibly overcome this is to consolidate debt into lower payments. Most loan officers can look at your finances and give you advice of what needs to be reworked in order to go forward in the loan process. It is definitely worth your while, if you are looking to buy a home, to work with a reputable lender, build a relationship, and review all options of reducing debt.
2. When the Solution to a Problem Creates a New Problem: Tell me this isn't frustrating? Imagine your lender requests your end-of-year pay stubs, but this year's income is less than previous years; so the lender creates another condition of the loan based on this information. A letter of explanation is required about "declining" income. In short, conditions brought on by mortgage conditions due to underwriting require more documentation. I'm here to tell you, resubmissions are normal. Most of the loans I deal with, even with the most meticulous borrowers require 3-4 resubmissions during the loan process.
3. Undocumented Funds: Even if it's "your" money, you cannot use it if you cannot document it! Any deposits going into your bank account separate from your stated income need to be documented. Even if you are self-employed, lenders will require you to document your funds. Avoid depositing any monies in your bank account that you unprepared to document. In some cases gifts can be used in down payments. Check with your mortgage loan originator to see what programs allow gifts.
4. Business Expense Write-Offs: This is a big one...and your lender will not ignore this issue. Tax preparers will suggest writing off expenses as a way to offset a tax liability, but it could hurt your chances of getting a mortgage by reducing your income. Banks typically average two years of write-offs and subtract that from your income and use that figure when determining your income to debt ratio. Just because the IRS allows these deductions isn't always in your best interest. Again, check with your lender to discuss what is the best alternative for you when preparing to begin your search for a new home. In some cases buyers need to wait a year or two in order to meet the strict mortgage guidelines that are enforced today.
Even if you have a solid payment history, excellent credit, and low debt, there are factors on how you are "viewed on paper" that are important to understand when beginning your real estate process. Lending guidelines are meant to be used as a way to predict whether a borrower will default on a loan, it's just that simple. It isn't very likely that we will see these guidelines loosened up anytime soon, so I cannot stress enough the importance of working with a professional loan officer. The Harris-Peppe Team uses the services of Kelly Rebimbus at Sunbelt Lending. You can reach her at 1-239-273-5239 or you can apply online by clicking here: SUNBELT LENDING APPLY ONLINE

Although, the majority of the transaction in Naples Florida are cash sales, and our team closes approximately 75% cash transactions, many of today's buyers are considering financing because the rates are still so low. Please let us know how we may be of service to you. Our company is a full service real estate company handing both residential and commercial sales and leasing, mortgages, title and closing services, as well as vacation rentals. We are here to make your real estate transaction as stress free and convenient for you as possible! 1-239-370-0574

Thank you, and make it a great day!

The Naples Real Estate Blogger

Monday, February 9, 2015

Direct Gulf Access in Naples Florida

Wonderful Waterfront Opportunity

Truly one of the best waterfront opportunities in Naples Florida. The home features 3 spacious bedrooms plus a den, and has a formal living room as well as a casual family room which opens up from the beautifully updated kitchen. Custom details throughout include high ceilings, large closets, a fabulous laundry room, luxurious master bath, and pocket sliders leading out to the lanai. The southern exposure homesite is situated on a lovely tree-lined street and faces an oversize channel that leads right out to Naples Bay, The Gulf of Mexico and  The10,000 Islands! For additional photos and a virtual tour, click HERE: Naples Waterfront Best Buy
The backyard is amazing. The pool is screened in and leads to a wonderful deck, perfect for entertaining! The 40' dock comes equipped with a lift, and plenty of waterfront decking for extra seating and sunning! Imagine dining al fresco water side! Also, you are just minutes to Old Naples by car, or a short walk to The Naples Bay Resort shops and restaurants, making this one of the best locations in Naples! 
Call us today to preview this lovely home in paradise!
Thank you! We look forward to hearing from you to answer all your Naples Real Estate questions.
Make it a great day,
The Naples Real Estate Blogger