Thursday, March 19, 2009

My Real Estate Services


Karen Angle
REALTOR at Coldwell Banker Schmitt, Inc, specializes in the sale of fine Homes and Condos in the Lower Florida keys. Since 1997, she has provided buyers and sellers with in-depth professional assistance in the sale and purchase of residential property. If you are interested in buying or selling a home, and want the professional assistance of a seasoned expert, who will work diligently in an effort to satisfy your needs, please call Karen anytime at 786-282-8117. Hopefully, you will find this web site to be comprehensive, interesting, and informative. Please bookmark this site (http://www.allfloridakeysrealestate.com), for fast and detailed real estate information at your fingertips.

To my Buyers:
As a buyer of property, you will receive personalized, professional assistance in both locating the property that suits you, and in negotiating the deal. Before buying any property, you will be an educated buyer, having learned sales prices and asking prices of comparable properties in the area of your choice, so that you have the necessary information to make an educated decision.

To my Sellers:
As a seller, your property will be marketed locally, nationally, and internationally. Your property will be featured on more than 6 real estate web sites. A full color brochure will also be produced. Plus there will be effective target marketing of your property to financially capable prospects.
These are just some of the many marketing tools that will ensure that your property is "SOLD".

Karen Angle is one of the Top Producers in real estate sales, is admired by her fellow realtors, and has earned the respect of buyers and sellers who have come to her, to seek the assistance of an expert in Florida Real Estate.


KAREN ANGLE
REALTOR®

Coldwell Banker Schmitt
11050 Overseas Highway
Marathon Fl, 33050
(305) 743-5181 Business
(786) 282-8117 Cell
(305) 743-7012 Fax
1-800 366-5181 Ext 6504

www.allfloridakeysrealestate.com

Florida Keys Mortgage Loan sources

Loan sources

ALL KEYS MORTGAGE, INC. 99101 Overseas Hwy., Key Largo FL 33037, 305-451-9898, Fax: 305-451-9897
Ameri Mortgage Corp, 1300 S. Roosevelt Blvd., Key West 305-294-1141
American General Finance Services, 1105 Key Plaza Shopping Center, Key West 305-296-8586
Armstrong Kelly, 2505 Flagler Ave., Key West 305-296-2434
Bankers Mortgage Corporatin, 300 Atlantic Dr., Key Largo 302-451-5880
Casstle Mortgage Corp., 529 Whitehead St., Key West 305-292-0064
Century Funding Corp., 101925 Overseas Hwy., Key Largo 305-451-9224
Choice Mortgage Company of the Florida Keys, 102025 Overseas Hwy., Key Largo, 305-451-4822
CitiFinancial, 2800 N. Roosevelt Blvd, Key West 305-296-8565
City Mortgage Services Inc., 3302 Eagle Ave., Key West 305-294-2999
Conch Republic Morgage, 82681 Overseas Hwy., Islamorada, 305-664-4555
Condella Financial Services, 3432 Duck Ave., Key West 305-292-7554
Dunhill Mortgage Company, Inc., 1762 74th Street Ocean, Marathon, 305-743-7811
Equity Options-Key largo http://www.equityoptionscorp.com/
ERA Dockside Properties, 102800 Overseas Hwy., Key Largo, 305-451-0082
1st Florida State Mortgage Corp, 524 Eaton St., Key West 305-296-1305
First National Bank of South Florida, 82205 Overseas Hwy., Islamorada, 305-517-9250
First State Bank of the Florida Keys, Keys Wide, 1-800-451-6556
Flagship Financial Services Inc., 302 Southard St., Key West 3305-292-9199
Florida Keys Mortgage Company, 530 Southard St., Key West, 305-295-0430
Florida Keys Mortgage, 88181 Overseas Hwy., Plantation Key, 305-852-0830
Hometown Mortgage of the Keys, Inc., 85998 Overseas Hwy., Islamorada 305-517-4273
Independent Mortgage & Finance, 600Whitehead St., Key West 305-294-5105
Kavney Tom Mortgage Broker, 81611 Old Highway, Islamorada 305-664-9135
Keys Assets, 21 Whisstling Duck Lane, Key West 305-293-9423
Key West Funding Corp., 302 Southard St., Key West 305-292-5700
Keys Federal Credit Union, Keys Wide, 1-800-805-7535
Keys Financial Corporation, 1509 Josephine St., Key West 305-294-1484
KeysFirst Mortgage Corp., 25000 Overseas Hwy., Summerland, 305-745-1272
Marine Bank of the Florida Keys, 11290 Overseas Hwy., Marathon 305-743-3030
Mortgage Company of the Keys, Inc. 3706-F N. Roosevelt Blvd., Key West 305-292-3233
Mull and Associates Mortgage Solutions, 91760 Overseas Hwy., Tavernier 305-852-8988
Orion Bank, Keys Wide, 1-800-648-4262
Realty Mortgage Corporation, 600Whitehead St., Key West 305-293-9222
Simplicity Mortgage, 1213 Truman Ave., Key West 305-296-7744
Southernmost Mortgage Co., Inc., 529United St., Key West 305-292-2000
Southern Trust Mortgage, 91861 Overseas Hwy., Tavernier 305-853-0056
TIB Bank of the Keys, MM100.2, Key Largo, 305-451-4660
Wells Fargo Home Mortgage, 530 Southerd St., Key West 305-296-0521

Upper Florida Keys Banks
BB&T, MM90.184, Tavernier.....(305) 852-4500
Community Bank of Florida
MM 100.150, Key Largo.....(305) 451-5733
MM 91.390, Tavernier.....(305) 852-0516
First State Bank
MM 97.670, Key Largo.....(305) 852-2070
Key Largo Tradewinds.....(305) 451-3033
MM 81.621 Old Hwy, Islamorada..... (305) 664-9070
Gibraltar Bank,35 Ocean reef Dr, Ocean Reef.....(305) 367-3040
Marine Bank
MM 100.280, Key Largo.....(305) 451-1631
MM82.787, Islamorada......(305) 664-5553
Orion Bank, MM82.681, Islamorada.....(305) 664-4466
TIB Bank of the Keys
MM 103.3 Bayside, Key Largo.....(305) 451-2000
MM 99.4, Key Largo....(305) 451-0211
MM 91.9, Tavernier.....(305) 852-9500
MM 80.9, Islamorada.....(305) 664-4483

Middle Florida Keys - Marathon Banks
BB&T, 6090 O/S Hwy, Marathon.....(305) 743-4105
Bank of America, 5401 O/S Hwy.....(305) 743-4121
First State Bank, 6900 O/S Hwy.....(305) 289-4393
Marine Bank
Duck Key.....(305) 743-7735
Marathon-Main.....(305) 743-3030
Marathon-Midtown.....(305) 743-3344
Orion Bank
Marathon.....(305) 743-0440
Marathon Shores.....(305) 743-9444
BB&T, 6090 O/S Hwy, Marathon.....(305) 743-4105
TIB Bank of the Keys
Marathon Shores.....(305) 743-7845
Marathon.....(305) 743-0072


KAREN ANGLE
REALTOR®

Coldwell Banker Schmitt
11050 Overseas Highway
Marathon Fl, 33050
(305) 743-5181 Business
(786) 282-8117 Cell
(305) 743-7012 Fax
1-800 366-5181 Ext 6504

http://www.allfloridakeysrealestate.com

The importance of Pre-qualifying

The importance of Pre-qualifying

Should you talk to a mortgage professional before house hunting?

Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know how much you want to borrow?

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It's short and to the point, and we keep the paperwork to a minimum!

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are working with you to find the best loan to meet your needs and that we're confident you'll qualify for a loan for a certain amount.

When you find a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know how much you can offer. Your real estate agent will help you decide on an appropriate offer, but being pre-qualified gives you the confidence to know you can follow through.

More importantly, to a home seller, your being pre-qualified is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never qualify for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford -- but it's important to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage program that fits your needs better.

Courtesy of http://www.equityoptionscorp.com/WhentogetQualified


KAREN ANGLE
REALTOR®

Coldwell Banker Schmitt
11050 Overseas Highway
Marathon Fl, 33050
(305) 743-5181 Business
(786) 282-8117 Cell
(305) 743-7012 Fax
1-800 366-5181 Ext 6504

http://www.allfloridakeysrealestate.com

Fl Keys Schools

Complete Details for 2008-2009 Fl Keys Elementary Schools

See article at the bottom showing Monroe was at the top of the list with a 3.92 GPA; the second-highest, Brevard County, had a 3.87 GPA.

Monroe County is totally dedicated to good education. The school district offers a first class educational system to all its residents. With over 1500 employees
To see the Monroe County mission statement and for more particulars go to http://www.monroe.k12.fl.us/
Schools listing
• ASD 275828-Public Big Pine Key Neighborhood School Big Pine Key Monroe 33043
• ASD 9902- Public Coral Shores High School Tavernier Monroe 3307o
• ASD 144250 Public Gerald Adams Elementary School Key West Monroe 33040
• ASD 144249 Public Glynn Archer Elementary School Key West Monroe 33040
• ASD 123786 Private Grace Lutheran School Key West Monroe 33040
• ASD 39184 Public Horace O'Bryant Middle School Key West Monroe 33040
• ASD 123787 Private Island Christian School Islamorada Monroe 33036
• ASD 9972 Public Key Largo School Key Largo Monroe 33037
• ASD 9981 Public Key West High School Key West Monroe 33040
• ASD 123788 Private Little Lambs Preschool & Childcare Key West Monroe 33040
• ASD 44232 Public Marathon Junior Senior High School Marathon Monroe 33050
• ASD 9983 Catholic Mary Immaculate Star Of The Sea School Key West Monroe 33040
• ASD 144254 Public Plantation Key School Tavernier Monroe 33070
• ASD 9982 Public Poinciana Elementary School Key West Monroe 33040
• ASD 140995 Public Sigsbee Elementary School Key West Monroe
• 33040 144253 Public Stanley Switlick Elementary School Marathon Monroe 33050
• ASD 144251 Public Sugarloaf Elementary Middle School Summerland Key Monroe 33042

Private schools
• ACADEMY AT OCEAN REEF, 2 Dockside Lane N, Key Largo, 305-367-2409
• ISLAND CHRISTIAN SCHOOL, MM 83.2, Islamorada, 305-664-2781
• ISLAND CHRISTIAN SCHOOL-SOUTH, 14 125th St., Gulf, Marathon, 305-743-2200
• MARATHON LUTHERAN SCHOOL, 325 122nd St., Gulf, Marathon, 305-289-0700
• MARY IMMACULATE STAR OF THE SEA SCHOOL, 700 Truman, Key West, 305-294-1031 Pre schools and kindergarten
• ABC DAY SCHOOL, 6630 65th St. Ocean, Marathon, 305-743-3521
• COMMUNITY COOPERATIVE PRESCHOOL, 550 122nd St., Marathon, 303-743-3517
• EASTER SEALS FLORIDA, 5220 W. Junior College Rd., Key West, 305-294-1089
• FREDERICK DOUGLASS CHILD CARE CENTER, 103 Olivia, Key West, 305-294-3934
• GRACE LUTHERAN SCHOOL, 2713 Flagler Ave., Key West, 305-296-6262
• GROUPER LANE PRESCHOOL, 735 Grouper Lane, Key Largo, 305-852-9520
• HAPPY APPLE PRESCHOOL, 12350 O/S Hwy., Marathon, 305-743-9020
• ISLAND CHRISTIAN SCHOOL-SOUTH, 14 125th St., Gulf, Marathon, 305-743-2200
• ISLAND PRE-SCHOOL, 5 Transylvania Ave., Key Largo, 305-451-1181
• KEYS ACADEMY AT ST. JUSTIN, MM 105.5, Key Largo, 305-451-6415
• KEY WEST PRESCHOOL CO-OP, 2610 Flagler Ave., Key West, 305-296-4749
• KREATIVE KIDS CHRISTIAN ACADEMY, 4711 O/S Hwy., Marathon, 305-743-7165
• LIGHTHOUSE CHRISTIAN ACADEMY, 5580 MacDonald Ave., Key West, 305-292-5582
• LITTLE BEARS PRE-SCHOOL & DAYCARE, MM.100.4, Key Largo, 305-451-0755
• LITTLE SEAHORSE ACADEMY, MM.104.9, Key Largo, 305-451-6045
• MONROE COUNTY SCHOOL DISTRICT, 241 Trumbo Rd., Key West, 305-293-1400
• MONTESSORI IN KEY LARGO, MM. 99.5, Key Largo, 305-453-3939
• MONTESSORI ISLAND SCHOOL, MM 92.3 Oceanside, Tavernier, 305-852-3438
• ST JAMES CHILDREN'S CENTER, MM 87.5, Plantation Key, 305-852-2161
• TEMPLE CHRISTIAN PRE-SCHOOL, 5727 2nd Ave., Stock Island, Key West, 305-294-2775
• VINEYARD EARLY CHILDHOOD LEARNING CENTER, County Rd., Big Pine Key, 305-872-3404
• WESLEY HOUSE CHILD CARE CENTER, 1100 Varela, Key West, 305-296-5231 Universities and colleges
• FLORIDA KEYS COMMUNITY COLLEGE, Upper Keys, Tavernier, 305-852-8007
• FLORIDA KEYS COMMUNITY COLLEGE, Middle Keys, Marathon, 305-743-2133
• FLORIDA KEYS COMMUNITY COLLEGE, Main Office, Key West, 305-296-9081
• GOSHEN COLLEGE MARINE BIOLOGY LABORATORY, Layton Dr, Layton, 305-664-5454
• NATIONAL UNDERSEA RESEARCH CENTER, 515 Caribbean Dr, Key Largo, 305-451-0233
• SAINT LEO UNIVERSITY, 718 Boca Chica Naval Air Station, Key West, 305-293-284 Junior/Community Colleges:
• Florida Keys community College and Adult education

Monroe tops in its class
Board: Schools should exceed state standards
BY JOHN L. GUERRA Citizen Staff

Monroe County schools this year collectively earned the highest grade point average in the state, besting more than 65 other school districts, Schools Superintendent Randy Acevedo said. Educators, however, think it's time to compare county student achievement with other scores nationally.

Monroe was at the top of the list with a 3.92 GPA; the second-highest, Brevard County, had a 3.87 GPA.
Monroe's score shows that of the 13 schools rated, 12 received an "A" rating. Key West High School received a "B." Three schools — Coral Shores High School, Horace O'Bryant Middle School and Marathon High School — improved one letter grade.

"When you look at the grades in a GPA format, we had the best performance statewide this past year," Acevedo said. "I am very proud of our staff, students, parents and community — it takes a team and a village."

It's the latest indication that county schoolchildren are performing well on standardized tests and improving scores; recent Florida Comprehensive Assessment Test (FCAT) results reflected higher scores in reading, writing, math and science. Third-graders, for instance, showed increases as high as 32 points at some schools in reading and math; 81 percent of the county's third-graders were reading at or above grade level. Upper grades also showed increases in test scores, with some schools showing more improvement than others.

The high scores have renewed calls by School Board members to take students to the next step by comparing Monroe County scores nationally, not just in-state.

"We have had discussions at the board table that these Florida standards are not stringent enough," member Debra Walker said, "and that we should compare our progress to national and international standards. Now we are free to set new goals based on even tougher criteria."

The scores in the Florida school report card program and FCAT results often clash with the federal government's annual yearly progress measurement under No Child Left Behind. That is the level of improvement each schoolchild is expected to reach year to year in reading, math and other subjects.

Though Florida may rate schools as "A" performers, the federal Education Department designates those same schools as "F" performers for failing to reach annual yearly progress under No Child Left Behind. In 2006, 712 schools that Florida considered "A" performers were listed as "F" schools.

Though Standard & Poor's education analysts rate Monroe students' reading proficiency in 2008 at 62.5 percent and writing proficiency at 67.7 percent, the county still isn't meeting annual yearly progress targets under federal No Child Left Behind requirements, S&P reports.

As in other states, Florida has a student testing regime — FCAT — that's similar to the one mandated by No Child Left Behind. Under the federal program, "F"-rated schools that don't improve over several years can be closed or turned into charter schools or put under a state's direct control.

The FCAT testing regime launched under former Gov. Jeb Bush in 2002 in effect puts Florida schools out of the federal government's reach. FCAT also is a better measure of Florida student success, the former governor has said.

Still, Monroe's "A" school ratings are nothing to sneeze at, said School Board member John Dick.

"It is great news for our schools and district," Dick said. "It is a job well-done by all the personnel involved, and of course, our students."

Being at the top of the state school GPA scorecard gives the county some financial rewards, Dick said.

"The state has what is called school recognition funds, and "A"-rated schools receive $85 per student as a bonus," he said. "Schools have discretion with how they use the money, but [most schools] use it to give staff members a bonus."

jguerra@keysnews.com


KAREN ANGLE
REALTOR®

Coldwell Banker Schmitt
11050 Overseas Highway
Marathon Fl, 33050
(305) 743-5181 Business
(786) 282-8117 Cell
(305) 743-7012 Fax
1-800 366-5181 Ext 6504

http://www.allfloridakeysrealestate.com