Community First Credit Union’s Post

❗️ Sharing significant victories of Realtors from Florida's 2024 legislative session ❗️ 💰 $100 million infusion of funding into the Hometown Heroes Housing Program. 🏡 $408 million for state and local programs that increase affordable housing options for Floridians. 🌊 $1.2 billion for water quality and environmental projects to keep Florida clean and beautiful. 🏢 $230 million to help Floridians harden their homes and condominiums against storms while saving on insurance premiums. 📜 Increased transparency and availability of condominium and HOA documentation. 💵 A decrease in Floridians’ property insurance premiums. 🛶 The creation of a seller flood disclosure so buyers can make informed decisions and reduce post-closing disputes. 🚔 A streamlined process for sheriffs to remove squatters occupying residential property. 📲 Have questions? Call or text anytime! https://lnkd.in/egS75n4i

Exciting News! Hometown Heroes is BACK! 🚨 If you're short on cash but eager to buy a house, this is your chance. Many think you must be a frontline worker like a teacher, firefighter, or nurse, but that's not the case. As long as you work for a Florida-based company (even a national brand with a Florida presence) and can document 35 hours a week, you qualify for this amazing down payment assistance program. This is one of the best programs out there for down payment assistance, making homeownership accessible even if you're a little short on cash. But act fast—these funds are going to go quickly! 🏠💪 If you have any questions or want to get started, definitely reach out! #HometownHeroes #DownPaymentAssistance #HomeBuying #FloridaRealEstate #RealEstateTips #TylerTheHomeLoanGuy

It see these concerns very often for clients who do not have children. Coming up with someone is hard regardless, but not having someone you can trust is even harder. Fortunately, friends can help, as can extended family. There are indeed professionals who do this type of work. This article also reminds me how many people have concerns and questions about estate planning. No one wants to think about their death, but they also have so many questions. #therainslawfirm #purposefulplanning #legacyplanning #valuescenteredplanning #valuesbasedplanning #comprehensiveplanning #holisticplanning #thoughtfulplanning #multigenerationalplanning #estateplanning #trustsandestates #estateplan #estateplanningattorney #trusts #wills #willsandtrusts #inheritance

Let’s address the elephant in the room -- your estate plan. 🐘📜 Handling a big task like this is all about taking it one step at a time. You don't have to face estate planning alone—we're here to support you through every stage of the process. Contact us today! 📲 (936) 301-0111 📧 [email protected] 🌐 https://bit.ly/3ghbnlw #estateplanning #inheritance #wills #trusts #estateplan #powerofattorney #estateplanninglawyer #estate_planning #protectyourfamily

Knowledge is power

'Mitchell didn’t trust the courts, so he didn’t leave a will. Instead, he let the land become heirs’ property, a form of ownership in which descendants inherit an interest, like holding stock in a company. The practice began during Reconstruction, when many African Americans didn’t have access to the legal system, and it continued through the Jim Crow era, when black communities were suspicious of white Southern courts. In the United States today, 76% of African Americans do not have a will, more than twice the percentage of white Americans. Many assume that not having a will keeps land in the family. In reality, it jeopardizes ownership. David Dietrich, a former co-chair of the American Bar Association’s Property Preservation Task Force, has called heirs’ property “the worst problem you never heard of.” The U.S. Department of Agriculture has recognized it as “the leading cause of Black involuntary land loss.” Heirs’ property is estimated to make up more than a third of Southern black-owned land — 3.5 million acres, worth more than $28 billion. These landowners are vulnerable to laws and loopholes that allow speculators and developers to acquire their property. Black families watch as their land is auctioned on courthouse steps or forced into a sale against their will. Nathan Rosenberg, a lawyer and a researcher in the group, told me, “If you want to understand wealth and inequality in this country, you have to understand black land loss.” These landowners are exposed in a variety of ways. They don’t qualify for certain Department of Agriculture loans to purchase livestock or cover the cost of planting. Individual heirs can’t use their land as collateral with banks and other institutions, and so are denied private financing and federal home-improvement loans. They generally aren’t eligible for disaster relief. In 2005, Hurricane Katrina laid bare the extent of the problem in New Orleans, where 25,000 families who applied for rebuilding grants had heirs’ property. One Louisiana real-estate attorney estimated that up to $165 million of recovery funds were never claimed because of title issues.' #landloss #titledeeds #landownership #willsandestates #wealthgap

Here are some guidelines I have found which help to determine if a tenant needs to be told their lease will not be renewed. These guidelines assume your state laws allow the landlord to make these decisions. It’s not meant to be legal advice, though, so don’t interpret it that way. ⛔ Is there a safety issue? Although this is probably covered in your lease, if they’re doing something which could create any kind of safety risk to the property, their neighbors, the cars, or themselves, they should leave. ⛔ Is there so much filth in the unit that it is nauseating to enter? Pets urinating on the floor? Never vacuumed or cleaned since they moved in? That’s just flagrant, unsanitary, and likely causing much more damage than their security deposit. Give them a short window to clean it thoroughly and prevent pets from further damage, then have them leave if they don’t comply. ⛔ Have other tenants reported things to you about this tenant? Don’t let this go too long because tenants who report issues are people you very much want in your property, and won’t wait too long for the problem to be fixed. They’ll just leave. Then you still have a bad tenant and lost a good one. ⛔ What is your vacancy and financial condition? If you have a tenant who is dirty but pays their rent on time, is nice, and doesn’t affect other tenants, as long as they’re not creating problems with roaches or rodents, it may be okay for them to stay until the property is more stable. ⛔ What is going on with the tenant personally? Did they just have a baby or a family tragedy? Although we don’t operate property ownership as a charity, we are in this game to improve lives. Look for a way to accommodate this person for some period of time. Offer assistance. This is not the time to end their tenancy. A good property manager has no trouble making these decisions, but even then, they will want your guidance. Our compassionate hearts should not lead us to expensive problems. ____ #RealEstate #PassiveInvesting #PassiveIncome #FinancialLiteracy #FinancialFreedom #FinancialIndependence #GenerationalWealth #PropertyManagement #InvestmentProperty #PassiveInvestorPartner #PropertyInvestment3w

Homes for Heroes: Honoring Firefighters with Team K2 Firefighters are the brave souls who rush toward danger to protect lives and property. Their commitment to our safety is immeasurable. Homes for Heroes, in partnership with Team K2, stands by these heroes, offering significant rewards and support for their real estate needs. The Program Benefits for Firefighters Homes for Heroes, together with Team K2, extends its heartfelt gratitude by providing firefighters with substantial savings during their homebuying journey. This includes reduced agent fees and assistance with closing costs, making homeownership more accessible. Why It Matters Every day, firefighters put their lives on the line for our communities. Homes for Heroes recognizes their sacrifice and eases the financial challenges that can come with buying a home. It's a way to give back to those who give their all. Our Commitment with Team K2 As dedicated real estate professionals, Team K2 takes pride in serving our local heroes. We understand the demands of firefighting and the need for a supportive homebuying process. With Homes for Heroes, we're here to guide you every step of the way, ensuring you receive the savings and benefits you deserve. To our brave firefighters, your sacrifices do not go unnoticed. Homes for Heroes and Team K2 are here to support you on your journey to homeownership. Let us express our gratitude by helping you find the perfect place to call home, one hero at a time. #firefighter#homesforheroes

Did you know 25% of people don't have an estate plan simply because they do not know how to get started? Don't worry, we're here to help. We guide you step by step to make an often-intimidating process easy. Click the link to get started: https://1l.ink/M7637KJ https://estateplan.org/ #EstatePlanning #Wills #Trusts #FamilyLegacy #EstatePlanningWorkshop #EstatePlanningMadeEasy #EstatePlansThatWork #ProtectYourAssets #LegacyPlanning #NationalNetworkofEstatePlanningAttorneys #ElderLaw

Did you know 25% of people don't have an estate plan simply because they do not know how to get started? Don't worry, we're here to help. We guide you step by step to make an often-intimidating process easy. Click the link to get started: https://1l.ink/M7637KJ https://estateplan.org/ #EstatePlanning #Wills #Trusts #FamilyLegacy #EstatePlanningWorkshop #EstatePlanningMadeEasy #EstatePlansThatWork #ProtectYourAssets #LegacyPlanning #NationalNetworkofEstatePlanningAttorneys #ElderLaw