44 episodes

Your Go-To Resource for all things real estate and all things St Pete

Selling St Pete with Nicole Saunches Nicole Saunches

    • Education
    • 5.0 • 2 Ratings

Your Go-To Resource for all things real estate and all things St Pete

    E044: 100% Physician Loans with No PMI

    E044: 100% Physician Loans with No PMI

    On this episode, I'm joined by Nathan Willis with South State Bank and we will be discussing South State's Physician Loan.  This portfolio product offers medical doctors (MD), doctors of Osteopathic Medicine (DO), dentists, and veterinarians who possess a 700+ credit score with a 100% loan to value mortgage up to $750,000, a 95% loan to value mortgage up to $1M for applicants with a 720+ credit score, and loan from $1M to $2M with a 720 credit score and just 10% down.   All of these loans are available without private mortgage insurance (PMI) resulting in big savings for the borrower.

    These loans are available as 15-, 20- or 30-year fixed or 5-, 7- or 10-year adjustable-rate mortgages (ARMs).

    This product is available for primary residences whether single-family homes,  condominiums, planned unit developments, or duplexes.

    If you have any questions or for more additional information on this loan product, you can reach Nathan Willis by phone at 260-418-3742.  

    • 18 min
    E043: How these 3 features can help homeowners save on their property taxes

    E043: How these 3 features can help homeowners save on their property taxes

    Have you recently purchased a property in Florida? Did you have a homestead exemption on your previous home? Did you move less than two years ago?If you answered yes to these questions, did you or are you planning to apply for the portability benefit? If not, you may be leaving money on the table.

    In this episode, we take a deep dive into the Save our Homes cap, portability benefit, homestead exemption, and additional exemptions residents of Florida may be eligible for and how these elements can save homeowners money on their property taxes when compared to homeowners who are not eligible for and/or not using those benefits. The website that was featured in the episode is: www.pcpao.org

    This episode also discusses why it is crucial to use the tax estimator when purchasing a new home. As mentioned in the episode, the assessed value resets when the ownership changes hands. This reset has caught many buyers off guard when they assume their real estate taxes will be similar to those of the prior owner because it could change dramatically the next tax year if exemptions no longer apply if the homeowner has been a longtime primary resident and has been taking advantage of the save our homes cap for an extended period of time and/or if there is a large differential between the purchase price of the previous owner and the current purchase price. In some cases, taxes have increased more than two or three times the amount the previous owners were previously paying.

    I love being able to help people save their hard-earned money and put it back in their pockets. Please share this episode if you know anyone who can benefit from the information.

    If you would like to share a show idea for an upcoming episode, please feel free to call or text me at 727-282-4335 or email me at nicole@nicolesaunches.com.

    Thanks for tuning in!

    • 33 min
    E042: All about Property Taxes - how they are calculated and how you can lower your property taxes

    E042: All about Property Taxes - how they are calculated and how you can lower your property taxes

    In this episode, Nicole Saunches explains how property taxes are calculated in Pinellas County, including what variables impact property taxes, how exemptions and valuation caps are administered, how the taxing authorities set their budgets each year and how homeowners can work with the property appraiser's office to ensure their property values are fair and accurate.

    I think this is an important conversation because buyers assume when they purchase their home that their property taxes will be similar to the taxes the current homeowner is paying and in some cases that couldn't be further from the truth.

    In Florida, property taxes are paid in arrears and the tax bills are mailed out in November, meaning that the tax bill that was sent out last month, was the bill for January 1-December 31 of this year.  The sooner the bill is paid, the less the homeowner will pay in taxes.  For example, a tax bill mailed to an owner in November 2020 states the property taxes owed for 2020 are $3,370.18.  The amount of the bill could increase depending on when the bill is paid.  If the bill is paid on or before Nov. 30, the amount due is $3,335.43 saving the homeowner approximately $35. If paid by December 31, the amount due is $3,370.18.  If paid by January 31, the amount due is $3,404.92. If paid on or before Feb. 28. the amount due is $3,439.67. If paid by Mar. 31, the amount due is $3,474.41.  They are considered delinquent as of April 1.

    Other topics discussed in this episode include:


    Save Our Homes Portability Benefit
    The recapture rule
    the property tax estimator tool
    the TRIM notice
    information regarding the Value Adjustment Board and the petition process
    property tax payment options, including an installment payment plan
    tax certificates and tax deed sales

    Click here to access a list of tax exemptions and how to apply for them (click on the tab labeled Exemptions/Save-Our-Homes/Portability in the menu on the left)

    Click here to file for the homestead exemption

    Click here for information on Amendment 6

    Click here to see an example of portability showing how the save our homes portability benefit is calculated

    Click here for a link to the tax estimator

    Click here to access the Pinellas County millage rates levied in previous years

    Click here to access a sample TRIM notice

    Click here for information regarding the value adjustment board process

    Click here to access the application for the 2021 Pinellas County property tax installment payment plan

    Click here for information on tax certificates and tax deed sales

    Click here to access the tax certificate sale

    Additional resources:

    Florida Department of Revenue website

    Pinellas County Tax Collector website

    Pinellas County Property Appraiser website

    Pinellas County Clerk of Circuit Court website

    • 38 min
    E041: An Up-Close Look at Closing Costs, What to Expect and How You Can Save

    E041: An Up-Close Look at Closing Costs, What to Expect and How You Can Save

    In this episode, I discuss customary closing costs for buyers and sellers in a residential real estate transaction. O break down the costs customary for sellers and for buyers as well as some differences in closing costs when buying new construction. Additionally, I offer several ways to potentially save money at closing. I hope this episode has been informative and useful for you. If you think so, please consider leaving a review or sharing with someone who could use the information. Thanks for listening!

    • 31 min
    E040: Will the presidential election have an impact on the real estate market?

    E040: Will the presidential election have an impact on the real estate market?

    In this episode of the Selling St. Pete podcast, we examine whether or not we can expect the outcome of the presidential election to have an impact on the real estate market.

    In a year filled with adversity, the real estate market has actually been a bright spot with strong sales - so strong in fact, they are the most since 2005 in February, July, September and October.It’s quite possible we would have had more months had we not experience massive economic shutdowns due to the pandemic.

    I believe sales in Pinellas County and the Greater Tampa Bay area will remain strong for the foreseeable future for the following reasons:

    • historically low interest rates
    • prices continue to rise
    • low inventory
    • strong buyer demand

    • 11 min
    E039: Home Monitoring Services While You’re Away

    E039: Home Monitoring Services While You’re Away

    Several years ago Sean Doyel was looking after his friend's home while he was away.  On one of his inspections, Doyel encountered a pipe that had burst in the ceiling and had caused approximately $75,000 in damage to the property.  The homeowner filed a claim with his insurance company and the claim was denied.  The homeowner went to court to try and compel the insurance company to pay for the damages and Doyel was brought in as a character reference.

    The suit was dismissed because the magistrate determined there wasn't adequate proof of inspections and that Doyel lacked the proper professional experience as a home inspector or home watcher.  Sean sought out information regarding what that training entailed and is now a certified home watch inspector and his business, While You're Away FL, LLC is accredited with the National Home Watch Association.ed.  Unfortunately, for his friend,  he had to pay out of pocket for the repairs.  For Doyel, however, a business was birthed from this experience.

    While You're Away Home Watch Services comes to your home on a pre-determined basis and checks the interior and exterior of your property to look for potential issues that may arise. If they discover anything, they will contact you immediately and, if needed, coordinate with you to have the problems fixed or remediated.

    As a While You’re Away Home Watch client, they will set up a custom home watch plan based on your specific needs. They will complete and send to you a detailed Inspection Checklist every time they visit your home, along with the date, time and photos documenting the visit (if his friend had this documentation in his lawsuit from a properly certified professional, he likely would have won his case).

    Additionally, they offer concierge services such as: airport transportation, grocery shopping & stocking, hurricane shutter installation & removal, package pickups, watering plants, replacement of air filters, smoke detector batteries, light bulbs, etc.

    If you would like schedule a free, no-obligation consultation with While You're Away, you can reach them by phone at 727-667-5101, via email at info@whileyoureawayfl.com.  You can also get more information at their website at whileyoureawayfl.com

    • 21 min

Customer Reviews

5.0 out of 5
2 Ratings

2 Ratings

st pete subscriber ,

Very Informative

Nicole does a great job of communicating useful information for potential home owners. I look forward to the next episode.

The Loan Whisperer ! ,

The Real Deal

I’m delighted to do this and offer an insight into an Independent and thoughtful lady . Her thinking is to look at the issue with solving . Well traveled and insightful . Varied and resourceful. Ty NIcole.

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