In This Issue
Office Photo

Coldwell Banker

423 St. Armands Cr

Sarasota, FL 34236


Our home office is one of the best locations in Sarasota. People visiting from all  over the world pass by our window and stop in our office on a daily basis.


Call us anytime for a consultation to discuss your real estate options. We're here to assist with all your real estate needs.




Foreclosure sign
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Market Reports

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Toll Free: 866-242-9506 





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Jim:  941-725-4478

Barb:  941-705-4478

Jan:  941-685-7573

Helpful Real Estate Links


Sunbelt Lending 


Bank Rates


MoneyCorp Int''l Rates


Search for FL Properties


Team Vitale Website


Team Vitale Blog



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November 2017  


Now Accepting Listings  


Longboat Key, Riviera Dunes

Bradenton & Sarasota


Call us today at 866-242-9506!  



As we welcome the snow birds back for the winter months and look forward to the coming holidays, we reflect on thankfulness. We are . . . 

* Thankful to be living in such a beautiful area with blue skies, azure waters, and white beaches
* Thankful for friends and family
* Thankful for healthy children and grandchildren
* Thankful for a roof over our head and food on the table
* Thankful to live in a country of free speech and freedom of religion
* Thankful for the men and women in our military, and our police and fire fighters

And we are thankful for you! We are thankful for your loyalty, for your referrals and for your friendship. 

So as we enter the Thanksgiving Season, 

We wish you and your family 
a season of abundant blessings and joy!
Barb, Jim & Jan
Team Vitale
Jim Mobile: 941-725-4478
Barb Mobile: 941-705-4478
Toll Free:  866-242-9506
Coldwell Banker Residential Real Estate
423 St. Armands Circle, Sarasota, FL 34236
1316 3rd St Cr E - Riviera Dunes
(click photo for tour)

The ultimate Riviera Dunes Hammocks Townhome. Upgraded 4 bedroom/4 bath home with the largest lot and longest drive in the community. Fabulous views from multiple balconies. Incredible marina community with resort style amenities. A must see - click on the link below to view the property website with additional photos and information.
BONUS:  Now with PAID Hammocks Maintenance Fees for one full year!

For more information or a private viewing on this or other area properties, call Team Vitale today at 866-242-9506.
American Lifestyle Magazine
courtesy of Team Vitale
Click Photo to View Magazine

Wanting to Search for Properties
on your Own?
Team Vitale offers various sites helpful in your search:

or visit our Facebook Page Team Vitale Florida Realtors and click on the Search for Homes and Find a Home Tabs.

Or the easiest method . . . call us and tell us what you want.  We will enter your search criteria into our computer system which will send you matching listings as they come available.
What's Happening? (CLick on the links)

NAR: Home Prices Accelerate in 3rd Quarter

Fading FSBOs: More Sellers Admit They Need Realtors

When to Drop Your Listing Price

What Home Insurance Doesn't Cover

Top Project for ROI: Refinished Floors

Battery-Powered Homes are Becoming Reality

Survey: Buyers Leery of Online Mortgage Info

Your Observer
 Bayfront Park Opens

Coldwell Banker News
 Coldwell Banker ranked #1 in multiple major cities including the Tampa Area

Herald Tribune
 For First Age-Friendly Festival, Sarasota County shows off charm

How to Get Your Photos Off Your Phone and Into Your Home

Mortgage Rates
Credit Scores
Article shared by 
C. J. Coury, Movement Mortgage 941-730-2444

The following is an excerpt of an informative communication that I received from a credit counseling professional that I thought you might find useful:
When preparing to make a significant purchase like a house or open up a new line of credit, many consumers go to websites like Credit Karma or to get their most recent score to avoid surprises during the application process. The best part? It's free no matter how often or when you check your score. With the information they obtain from those websites, they shop around finding the biggest bang for their buck with their current credit score. However, if you think they are giving the most current FICO score, think again! They are showing you a "FAKO" score - or an educated guess of what your score could be. When lenders and banks pull your credit for your history and score, they are looking at your actual FICO (Fair Isaac Credit Organization) score, not your "FAKO" score. The only way you can get your actual credit score is if you perform your yearly report from or contact one of us for your most recent score. However, when you are checking your credit, keep these two things in mind: 

1Your FICO score will not be the same - Your score will be different between the three bureaus. When applying for loans, keep in mind various banks and lenders will look at different FICO scores for decisions and rates analysis. For example, an auto lender will look at one FICO score while a credit card company will look at another score.
2Your score gets calculated at different times - Your credit score is not being updated 24 hours a day, 7 days a week, 365 days a year. Credit scores get calculated when a lender or bank requests for the score. From the date the credit score was pulled, your report will be updated right then and there for all the banks and lenders.

So remember, those free websites are not providing you the most up to date FICO score that lenders and banks will see when they pull your credit. To get the most accurate FICO score you can use to monitor and even negotiate with, visit or ask one of us and we'll be more than happy to provide you the actual score.

Markets in a Minute Report
The Economy
* The Fed announced there would be no policy rate hike in November. They did, however, signal a December hike is very likely.

* Markets have been rallying on the probable nomination of Jerome Powell as the next Fed Chair. Powell is expected to continue the trend of current Fed policies.

* The tax reform proposals issued by the House GOP have sparked a stock rally. A proposed cut to corporate taxes is expected to fuel the economy.

Housing News
* Home prices hit a new all-time high in August, according to Case-Shiller. National home prices rose 6.1% annually, better than the 5.8% economists expected.

* Construction spending increased 2.0% year-over-year in September. Month-over-month spending fell for non-residential construction and was unchanged for residential construction.

* Despite tight inventory and rising home prices, the homeownership rate rose in the 3rd quarter. The 63.9% rate is the highest level since 2014.


Thank you to Peggy Fowler of Equity Resources Inc. 941-343-7893 for the above news points. 
Helpful links:

Medical News Report
Our thanks to Dr. Sam LaMonte, MD, FACS who has been kind enough to share his Medical News Reports with us.  We found them so interesting, we thought we'd share them with you as well.  Click on the following link and, once on the home page, click on the Medical Reports Icon for the latest report and any previous reports. Click on the Subject Index Icon for any past subjects.

Fun Fact
If you add your age this year + year of birth, you will get 2017. This ONLY happens once in 1000 years!

Video Spot! 
So what are you thankful for?
 (click links)
Here's what the kids are saying.

More from the kids

 This guy will make you rethink it

 Man on the street is thankful

Josh Groban sings "Thankful"

Grateful? Pass it On!

And just a few weeks away is another fav holiday:

Christmas Story explained by Kids

Naughty or Nice?

Thank you to those who have shared with us. As always, we welcome receiving your favorites so we can share with our readers.  Email the links to

Best wishes for the holidays!

Note:  While we like to pass along helpful articles we receive from various mortgage lenders/service providers, this is done as a courtesy and not an endorsement of these lenders or providers.
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Team Vitale - Coldwell Banker, 423 St. Armands Circle, Sarasota, FL 34236
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