Ruth Watkins, Mary Surnicki, Tom Goen

Ruth - float vs lock

Ruth knows small changes can occur anytime, so get locked in...rates fluctuate all the time, be ready to respond

-watch value of bonds, rates respond to bond value daily

-"alerts to lock" when factors indicate rates rising, make the move to lock

-lenders use many gimmicks...we will pay your closing costs or offer a special dea

-there are programs that Ruth can get you...where you get a 2% grant and 1% down to get to 3%...

-make sure you have a personal relationship with your lender...Ruth often picks up broken deals and finds a way to get it done...your lender is a big bank, staff will change and new faces will not know your story, find local lenders

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Mary-before it starts raining everyday, call suncoast now, don't wait for leaks and roofing issues to arise

-suncoast offers free estimates, insurance companies will drop you if your roof does not meet new codes, get ahead of the problem

-shingle roofs are most popular in tampa, tile roof are most popular in st pete...lots of choices w colors, and each different type requires different install knowledge...metal roofs cost more, last longer

-peel and stick has improved, it keeps water out...underlying material must be applied correctly

-suncoast has expanded, new salesmen and labor...good staff makes all the difference

-beware of companies that do not provide details...are the laborers that will do this work employed by you? not just contractors w different staff everyday

-june 1 starts hurricane season, get your free inspection

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Tom-35 to 50 years is the expected lifetime of a seawall, when issues arise your entire property is at risk

-rust, cracks, shifting tiles or pavers, pool cracks...all due to seawall failure

-permitting is required before anyone can touch a mangrove or plant...don't just start removing plants around your seawall

-let tom check your bids and advise you how to proceed with your seawall project

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