Courtesy of
Mindy Dougherty
(727) 314-5553 (Direct)
(727) 953-6306 (Office)


The biggest disadvantage to renting
If you're a Millennial—or have a son or daughter who is a Millennial—you've probably had a discussion about renting or buying a home. It can be a hard question to answer, especially with the steadily-rising prices of houses. 

However, there are clear disadvantages to renting: 
  • Someone else controls all the rules, not you (such as whether you can have a pet).
  • You'll see a steady increase in rent over time.
  • Zero tax advantages. 
  • You have no say if your landlord wants to move into your place or sell to someone else.
The biggest disadvantage: You give away your money. Renting means you never will have the chance to build equity in a home. Instead, you give that opportunity to your landlord. 
How you can help your kids buy a home
Have you ever wondered if there's a straightforward way to help your kids buy a home? Well, there is, and it's one of the oldest programs available: An FHA loan.

Your best bet is to work with a local mortgage lender to walk you through the specifics, but here's how it generally works: 

A parent and child can be co-borrowers on a FHA loan, even though the parent won't live in the home. Normally, FHA would require a 25% down payment for what is called a "non-occupying co-borrower" loan.

Together, co-borrowers who are related by blood, law, or marriage are eligible for 100% of the maximum FHA loan they qualify for with the low-down payment features of the FHA loan.
New to the Market
275 13TH AVE S, Safety Harbor, FL 34695
3 Bedrooms  |  2 Bathrooms  |  2,191 Square Feet
New construction without the wait! Built in 2012, this custom home is situated in the heart of Safety Harbor, minutes from the marina, Philippe Park and the historic downtown district. One of the largest lots in the area-1/3 acre, featuring lush landscaping and a fabulous yard with endless possibilities! Stunning architecture wows from moment you enter the foyer, with tongue and groove ceiling, custom trimwork and thoughtful appointments. Impact glass windows and doors are both energy efficient and hurricane-ready. This home was built for entertaining with a spacious dining room, morning room and living area. Chef’s kitchen offers a huge island, granite countertops, contemporary cabinetry and hardware, glass mosaic backsplash, closet pantry and stainless steel gas appliances including French door refrigerator, oven, range, built-in microwave and dishwasher. Escape to your oversized master suite with reading nook, private lanai access and spa-like bath with glass shower enclosure, garden tub and double vanity with granite. French doors lead to your backyard oasis with bubbling hot tub, lanai and plenty of space for a future swimming pool, playground or anything you could envision. Driveway is long enough to accommodate up to 8 vehicles along with the 500 sq ft + O/S two-car garage with overhead storage. Tankless water heater offers endless supply of hot water and irrigation for that beautiful lawn is on city water, not a well, never any rust stains to worry about. Call today for your private viewing.
Why robots will never replace real estate agents
Renowned scientist Stephen Hawking may worry about robots advancing beyond humans, but real estate is one industry where you won't see robots replacing workers. 

The real estate industry remains a relationship-driven business, involving the biggest purchase decision in most people's lives. Human involvement, empathy, and intuition are incredibly important components in delivering a good experience for those searching for their first, second—or even fifth—home.

That's not to say technology isn't valuable. Technology is making agents even smarter, allowing them to gather information, communicate, and deliver answers faster for their clients.
Mindy Dougherty

RE/MAX By The Bay
100 Main Street, Safety Harbor, FL 34695
Each office independently owned and operated.
©2018 Imprev, Inc. Pub 8/18