Funding Real Estate Purchases in Flagler County, Florida

One of the first things prospective buyers need to do before they start shopping around for their dream home is to decide how they are going to pay for the property?  If they have cash, how much cash do they want to use?  Maybe they might want to just use some cash for a down payment and use the bank’s money to pay for it?  Either way they need to be able to show proof of funding prior to making an offer on a property. 
When a buyer chooses to pay cash for a home they need to have either a letter from their bank stating that they have X amount of funds at their disposable to pay for the property or they need to have a copy of a bank statement showing that the funds are available.
If a buyer needs to get a loan to buy a house they need to get a pre-qualifying letter from their lender.  This is an easy enough thing to achieve.  They just need to call the lender, provide requested information over the phone and if satisfactory the lender will then issue a pre-approval letter.  When the buyer has an actual contract on the property they will need to submit documentation to the lender verifying all of the information they gave the lender by phone. Don’t know any lenders?  There are lots of good lenders available in Palm Coast, ask your Realtor for a recommendation.
When purchasing property in Palm Coast Florida or anywhere in Flagler County, Florida, It is important to have a pre-approval letter or proof of funds from the bank prior to making an offer as all good Realtors will advise their sellers not to accept any offers that are not accompanied by proof of funds. So when making an offer, do as Jerry Maguire would say and be ready to show the money!
.. show-me-the-money - Edited

Ocwen Financial Corp Settlement- Nolo’s News

Attention Flagler County Homeowners:

Ex Homeowners in Flagler County or any other counties in Florida who had home loans serviced byOcwen Financial Corp could be entitled to a cash payout from Ocwen from a  $125 million settlement . The deadline for applying for a share from the payout is September 15 but so far only 33% of eligible Floridians have applied.

Over 31,000 former Floridian homeowners were mailed notices of the settlement in June but many people may not have received the notices because they relocated when they lost their homes.

To be eligible for the payouts, an ex-owner must have lost their home to foreclosure between Jan. 1, 2009 and Dec. 31, 2012, have lived in the home as their primary residence, and made at least three payments on the mortgage.

 For more information about the Ocwen claims and eligibility, call 866-783-5382.

Palm Coast Sunshine, Nolo’s News

Today, like most days in Palm Coast the sun is shining, the pools are glistening, the beach is shimmering and the ocean is calm.  The kids are back in school, the snowbirds are still up north, there’s no better time to come to Flagler County, Florida if you are thinking of buying your dream home anytime soon.  House prices are still affordable, real estate taxes are lower than many other areas, we have no income tax and interest rates are still low.  What are you waiting for?


Do You Really Need a Realtor? Nolo’s News

Purchasing a home is one of the biggest monetary transactions most people will make in their lifetime but buying real estate is not as easy as it looks.  Realtors know all the ins and out of their local area and their real estate market.  They know the ups and downs of the real estate business because they are experts in their field.  Purchasing a home in Palm Coast,  Flagler County Florida, is very different from buying a home in other areas of Florida or in any other state.  Hiring a local Realtor can be the difference in buying the house of your dreams or missing out on the best deal in the area. Contacting a Realtor is one of the best decisions a prudent buyer can make before embarking on such a huge life changing transaction.

Palm Coast puts Flagler County in the News! News from Nolo

Palm Coast puts Flagler County in the News!

Palm Coast recently passed the 100,000 population mark and continues to grow. Forbes magazine recently ranked Palm Coast 9TH on its list of metros with the fastest growing economy! The Wall Street Journal recently named Palm Coast 7th among small towns which are good for small Business and Careers. The “Where to Retire” magazine also recently included Palm Coast on its list of the 8 low-cost Cities to retire to! Palm Coast is on the rebound and is no longer Florida’s best kept secret. Palm Coast is the best place to live, work and play in the Sunshine State and did I mention the fact that we have NO income tax, lower real estate taxes and great properties to suit all tastes and budgets!

Palm Coast Fitness- Nolo’s News

Palm Coast Fitness

This morning before I got stuck into real estate matters for the day I went to a Zumba class in Palm Coast.  The class was packed as usual but what is unusual about this class is that it is made up of all age groups,  shapes and sizes and its a women’s only class.  This morning there were teachers young and old all getting their cardio in before school resumes in Flagler County on August 18.  Some kids were also getting their exercise in before school starts.  Then there were the regulars, 30, 40, 50, 60 and yes, even some seventy year old ladies exercising hard to fast to energizing Latino rhythms.  Zumba is a great way to get and keep fit but unlike regular, boring aerobic classes Zumba is upbeat and fun.  Palm Coast has many gyms providing Zumba, Yoga, toning, cardio, kickboxing, drumming and many other fun classes to keep the women of Flagler County, Florida in great shape. Oh, the men are not forgotten either as many Palm Coast gyms offer strength training, TRX and all sorts of fitness programs for the Flagler men.

Great Trails in Palm Coast!- Nolo’s News 8.5.2014

Most mornings I enjoy an early morning brisk walk on the Lehigh Trail in Palm Coast, Florida. Lehigh Trail is just one of many great trails that we are very fortunate to have in Flagler County.  Anyone like me who enjoys walking for both physical and mental benefits has so many great options to choose from with all of the great trails that the City of Palm Coast have created for us in this beautiful neck of the woods. 

On any given day or evening people of all age groups can be seen walking, jogging, running, biking and skating on these well shaded trails in Palm Coast which are nestled in a forest type setting.  Anyone who needs to rest a little on the trail will find  plenty of benches to sit on.  These great trails offer a peaceful oasis from the hustle and bustle of everyday life yet they are close to all of the great amenities Palm Coast has to offer. These trails allow children and adults alike the opportunity to get out in the fresh air and enjoy a healthy lifestyle in the all year round sunshine that we are blessed to have in Florida which allows us to enjoy nature at its very best.

Holiday Homes in Flagler County Nolo’s News 7.31.2014

Nolo’s News 7.31.2014
Ask most people at home and abroad who want to purchase homes in Florida which areas they are most aware of and they will often answer Orlando, Miami and Tampa. That’s a pity because I am here to tell them that I am about to release one of Florida’s best kept secrets:
Flagler County, home to gorgeous Flagler Beach and beautiful Palm Coast, Florida!
Flagler Beach is one of the few remaining unspoiled seaside resorts nestled on the Atlantic Ocean.  It boasts miles of  glorious beaches and a vibrant beach community which includes many famous artists, great oceanfront restaurants and quaint boutiques.
Palm Coast which is a newer, planned community, is located in a forest type setting with all access roads beautifully landscaped.  Numerous amenities include, miles of bike and walking trails, great golfing, fishing, boating and tennis. Great choices in restaurants and shopping, and only a short ride from fabulous beaches!
Flagler County offers excellent growth and development, there is NO state income tax, and house prices and real estate taxes are lower than most other developing communities in Florida.  Oh, and did I mention that Flagler County is located in the Sunshine State, no shovelling snow here!

Nolo’s News 7.30.14

Nolo’s News 7.30.14

According to the National Association of Realtors and other real estate tracking sites as much as 86% of prospective home buyers search online for properties before they ever contact a Realtor.  While the real estate market continues to evolve and most buyers in 2014 prefer to search for properties online, a Realtor’s value to a consumer remains unchanged.Realtors are the trusted source of accurate market data and analysis. In our market in Palm Coast, Florida,  Claddagh Florida Properties has in-depth knowledge of the local market and this is crucial in assisting out of state buyers who purchase second homes for retirement or future retirement.  We are our buyer’s advocates, we are the face of each transaction, we are the voice of reason during the negotiations and we are the Realtors who hand over the keys to our buyers dream home.
We provide excellent service to all of our buyers and sellers and we do so with a human touch, a service the internet can NEVER provide.




Check out the July edition of our Monthly Newsletter!

Check out the July edition of our Monthly Newsletter!



Insider Tips for Healthy, Wealthy and Happy Living – 
Charles & Noeleen Duffy’s                                     Shamrock 2014 4
Service For Life! ®
Inside This Issue…


  • Can A Sugar Detox Prevent A Heart Attack?…
  • Slow Internet? Speed It Up With 4 Quick & Easy Tips…
  • Fun Facts and Laughs: Free Internet Radio Websites, Sleep Positions To Feel Better, And More…
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Factors Affect The Value Of My Home When I Sell It?…
Nolo3  Charles & Noeleen DuffyCladdagh Florida PropertiesPhone: 386-246-7287Email:
Dear Friends…If you want to feel better and reduce the risk of heart problems, you might consider cleansing your body of sugar. In this month’s Service For Life!® Free consumer newsletter we will share exactly how to do a cleanse based on a highly rated book written by two doctors called “The Sugar Detox.”You’ll also learn four quick ways to speed up your Internet, how important your sleep position is if you’re a snorer or have heartburn, and the names of three free Internet radio websites – plus fun facts, a trivia challenge, and lots more.

 Charles & Noeleen Duffy

Charles & Noeleen Duffy,

Broker Owner’s ®

Claddagh Florida Properties

P.S.  When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information I provide?

They may be people you meet who were relocated and are looking to buy a home this summer. Tell them about our Free Consumer Report: “8 Secrets For Saving Thousands When Finding, Buying and Financing Your Next Home” and give them our phone number

386-246-7287. Or, you can always request a copy for a friend by clicking here to email us.

Today’s Brain Teaser . . .

Four fingers and a thumb, yet flesh and blood I have none.

What am I?

(see answer below)

Can A “Sugar Detox”Prevent A Heart Attack?

One of the greatest threats to your health is sugar. According to the World Health Organization, an arm of the United Nations, the average adult should have no more than 6 teaspoons of sugar a day. That’s about 25 grams of sugar, or what’s in a typical can of soda. But the latest surveys show the average person eats about 18 teaspoons (75 grams) of sugar every day.

Even if you stay away from sweets like cookies, cakes, and doughnuts, there are “hidden” sugars in processed food that you’d never know. For example, sugar is often added to frozen pizza, soup, and even mayonnaise.

The concern is more than just preventing weight gain. A Harvard Nurses’ Health Study found that people who eat more than the recommended amount of sugar nearly doubled their risk of heart disease. They also tend to look older because sugar triggers body chemicals that accelerate aging of your skin.

If you want to reduce the risk of heart problems, lose weight, feel better, and even look younger, here is some shocking news: You need to go off sugar completely. Not forever, just a temporary “detox” to cleanse your body so it doesn’t have cravings that make you eat more sugar. That’s the advice from two doctors who wrote the highly rated book “The Sugar Detox” that has a two-part plan…

STEP #1: Go off sugar completely – for 3 days

The first goal is to reset your body’s ability to even taste natural sugars that are in foods like apples. Consult your doctor before changing your diet, especially if you have hypoglycemia or diabetes. But if you don’t have a blood sugar problem, cut out the following for three whole days: foods or drinks with added sugar (read the label on everything)… starches (pasta, bread, crackers, cereal, potatoes, and rice)… fruit (except a lemon or lime to flavor water or cooking)… dairy (milk, cream, yogurt, and cheese)… and also cut out artificial sweeteners and alcohol.

Here’s what you should eat: protein (lean red meat, chicken, fish, tofu, and eggs)… vegetables (such as broccoli, lettuce, asparagus but not starchy veggies like corn, beets, or squash)… nuts (peanuts, walnuts, almonds, and cashews)… and lots of water. During this time you may feel tired and might even get a headache as sugar exits your body kicking and screaming.

STEP #2: Reintroduce certain foods into your diet – over 4 weeks

Week 1: Continue to eat healthy foods and not anything with added sugar, but also eat up to an apple a day… up to one serving of dairy per day (8 oz milk, 1 oz cheese, 5 oz plain yogurt, or 1/2 cup cottage cheese)… one serving of whole grain crackers per day… and you can also drink wine if you like.

Week 2: Add back more natural sugars by increasing fruit and dairy in your diet. In addition to an apple each day, have a half cup of berries, and two servings of dairy each day. You’ll start to notice how sweet fruit is, and you can also add a small sweet potato each day.

Weeks 3 and 4: Start eating grains again, but make sure they’re “whole grains” and not carbohydrates like white pasta, white bread, and white rice that have fiber stripped off and are easily converted to sugar by your body.

You should now have more energy and feel better too! And if you still have a sweet tooth, the book says 1 oz of dark chocolate daily is fine.

Flagler County News
The good news is that there has been a major decline this year in the number of distressed properties for sale in Palm Coast and Flagler Beach. During the recession Flagler County had one of the highest numbers of Short Sales , Foreclosures and Bank Owned properties in the State of Florida. The large amount of distressed properties for sale lead to major price drops for property owners in all price ranges. This much needed sharp decline in distressed properties has allowed sellers reap a higer price for their homes in 2014 as  distressed properties no longer represent a major threat to listing/selling prices.The Palm Coast & Flagler Beach real estate market is now in a much healthier state in 2014 and hopefully we can all look forward to it growing stronger.  
Smiley Face 2014 2                   Smiley Face 2014 3                  Smiley Face 2014 5
Happy Seller             Happy Buyer            Happy Realtor
4 Quick & Easy Ways ToSpeed Up Your Internet

Your Internet speed can vary depending on service providers and types of connection you have, but if your downloads and searches are slow, try these easy tips to improve your connection speed:

    1. Update your Internet browser. Your current browser can be so obsolete it may slow your connection. Update your browser version or try one that’s faster such as Mozilla Firefox at, or Google Chrome at:


    1. Clear your Internet browser history. Too much data in your history can slow things down. On most browsers, look under Tools and “Clear Recent History.”


    1. Optimize your cache. Your cache (pronounced cash) stores temporary files on your system. These are files like images and videos that make a webpage load faster. But too many of these files can slow your entire Internet performance. Limit your cache to 512 MB or 2% of your total network hard disk size, whichever is smaller. Once your cache is at the limit, it will start to eliminate old files, freeing up your network resources. You can also clear your cache at any time. Each browser has different steps, so search for “clear cache Firefox” or “clear cache Chrome.”


  1. Check your connection speed. If your computer is still slow, perform a free check of the Internet speed at Then compare the result to the speed listed on your Internet plan. If the speed is slower than what you’re paying for, call your Internet service provider to have them check your connection. They may suggest replacing your modem or wireless router to boost the speed.
A warm welcome to Palm Coast’s newest property owners, John & Jill Bangert. John & Jill purchased a lot to build their dream home on. Congratulations to John & Jill.Lot prices in Palm Coast are creeping up so now is the good time to buy or sell.  Call us at 386.246.7287 for a free consultation.

Check out this Beautiful Home for Sale in Palm Coast Plantation Palm Coast Florida.

Fun Facts and Laughs

Free Internet Radio Websites . . . – Listen to the music you love. Type in a song or artist and it creates a “station” just for you. – Select from thousands of songs and play them on demand. It connects to Facebook so your friends can see what you’re listening to. – Access more than 1,500 live radio stations from every genre. Download their app for Apple and Android devices.

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Sleep Positions To Feel Better . . .

If you’re a snorer, sleep on one side or the other. If you sleep flat on your back, your throat narrows, causing those dreadful noises. Good to know if you have a condition called sleep apnea.

If you have heartburn, sleep on your left side. This makes it harder for stomach acid to leak into your esophagus. Also, consider raising the upper part of your body by using a wedge pillow or putting blocks under the head of your bed.

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Great Organizing Tool . . .

Need to organize volunteers for an event or project? Check out It confirms who is available and sends reminders.

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     The Claddagh



Loyalty & Friendship

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Would You Like To Know How Much YourNeighbor’s Home Listed Or Sold For?

Maybe you’re just curious. Or maybe you want to know how much your home is worth. Either way, We can help…with no “sales pitches” or run-arounds. Call us at 386-246-7287 or email us by clicking here and we will give you all the facts.

Trivia Challenge for the Month…
“Who Else Wants To Win Two Free Movie Tickets?”

Guess who won last month’s Trivia Question? We are pleased to announce the lucky winner of last month’s quiz. And the winner is…drum roll please: Margaret Mahoney Haverhill, MA was the first person to correctly answer our quiz question.

Model and television personality Tyra Banks is allergic to which of the following:

a) Chocolate   b) Dogs   c) Cats   d) All of these
The answer is b) Dogs. So, let’s move on to this month’s trivia question.

What is the longest running animated series on U.S. television?

a) The Flintstonesb) South Parkc) The Simpsonsd) Scooby-Doo

EMAIL US BY: Clicking Here OR Call Us At 386-246-7287 And You Could Be Our Next Winner!

Brain Teaser Answer:

A glove

Thanks For Thinking of US!

Did you know we can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping us in mind with your referrals…and spreading the word about our services.

Real Estate Q & A . . .
Q.  What factors affect the value of my home when I sell it?


A. If you’re thinking about putting your home on the market, here are some of the most important factors affecting its value:

  • Comparable homes in the area that sold in the past 30-90 days. If some of the recent sales were short sales or foreclosures, it may affect the value of your home. Also, the more homes currently available for sale, the lower the value your home may have.
  • Your location. Access to highways or public transportation, the quality of your school district, and too few (or too many) commercial or residential developments can have an effect on a home’s value.
  • Major home systems. If your water heater, electrical, or heating and air-conditioning systems aren’t working properly it can have a significant affect on the price a buyer pays for your home.

Do you have a real estate question you want answered? Feel free to call us 386-246-7287 or email us by clicking here. Perhaps we will feature it in our next issue!

Our sincere condolences go out tp Patsey Driskell, GA whose husband Craig recently passed away. Craig, was laid to rest on July 8th. in a  military Funeral in Andersonville National Cemetary, GA. Patsey & Craig recently sold their home in Flagler Beach.
THANK YOU… for reading our Service For Life!® personal newsletter.  We wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them…
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