Entries by Toby Tobin

FHFA Index Shows Mortgage Interest Rates Increased in January

The average interest rate on all mortgage loans was 3.97 percent, up 1 basis point from 3.96 in December. Washington, D.C. – February 25, 2016 – Nationally, interest rates on conventional purchase-money mortgages increased from December to January, according to several indices of new mortgage contracts. The National Average Contract Mortgage Rate for the Purchase of Previously […]

Warning: Realtor Email Scam Picking Up Speed

A Land O’ Lakes Realtor says his client was told to wire $34,000 to a scammer who hijacked an email account. ORLANDO, Fla. – February 23, 2016 – A Land O' Lakes Realtor says his client was told to wire $34,000 to a scammer who hijacked an email account. It's the latest twist in an ongoing […]

House of the Week Redux: Beverly Beach Intracoastal Estate Cottage Listing Revisited

Practical, not opulent. Solidly-built, not delicate. Functional, not whimsical. This 3-story “Old Florida Style” estate cottage has 1st floor guest quarters with separate entrance and kitchen. PALM COAST, FL – February 19, 2015 – Amazing views and 240 feet on the ICW mark this Beverly Beach home. Practical, not opulent. Solidly-built, not delicate.  Functional, not whimsical. This 3-story […]

Another Reason To Own a Home: Cheaper Car Insurance

Major auto insurance companies charge good drivers as much as 47 percent more for basic liability auto insurance if they don’t own their home. WASHINGTON – February 17, 2016 – Major auto insurance companies charge good drivers as much as 47 percent more for basic liability auto insurance if they don't own their home, according to […]

Lending Disclosures Delay 1 in 10 Transactions

Lenders struggled to keep up with the new rules, and they weren’t experienced dealing with final closing statements. Settlement statements and closing disclosures don’t always match. WASHINGTON – Feb. 15, 2016 – At Florida Realtors Mid-Winter Meetings in January, Henry Ensler, director of sales and marketing with Sunbelt Title Agency, said he thought the new […]

House of the Week – Just Listed in Grand Haven

Live in gated Grand Haven, close to the Village Center amenities and overlooking a lake. This custom home, built by Pulte in 2000, has 3 BR, 2 BA and plenty of room to entertain in 2,434 square feet. PALM COAST, FL – February 12, 2016 – GoToby.com’s House of the Week is a new listing […]

Flagler County Gets Half-Million-Dollar Grant for Malacompra Basin – Article Revised

The grant is for Flagler County’s Malacompra Basin Water Quality Enhancement project. Phase 1 is estimated to cost a total of $2.5 million. UPDATE:  7:54 P.M.: The Flagler County Public Information Office issued a "Recall" of the press release upon which this story was based at 5:24 P.M.; after this article was posted. The cryptic recall gave no reason […]

What Does ‘Energy Efficient Home’ Mean?

In an existing house, the first step is to conduct an home energy audit to find out how the home uses energy and to determine the best ways to cut energy use and costs. WASHINGTON – February 8, 2016 – In an existing house, the first step is to conduct a home energy assessment – sometimes […]

Temporary Road Closure: Palm Harbor Parkway at Cris Lane in Palm Coast

Palm Harbor Parkway will be closed at Cris Lane beginning early Monday morning, Feb. 8, and continuing through the completion of the Palm Harbor Extension road construction in March. PALM COAST, Fla. – January 6, 2016 –  Palm Harbor Parkway will be closed at Cris Lane beginning early Monday morning, Feb. 8, and continuing through the completion […]