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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 941-380-3727.
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Working with Brian Made Every Step...
He is exceptionally knowledgeable of the Port Charlotte/Punta Gorda area.
Drs. Declan & Sandra Hegarty
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Serving all of Charlotte and Sarasota Counties and Parts of Lee & Desoto Counties; Punta Gorda, Port Charlotte, North Port, Englewood, Venice, Rotonda, Rotonda West, South Gulf Cove, Gulf Cove, Burnt Store Marina, Osprey, Murdock, Lake Suzy, Placida, Grove City and Arcadia, Florida Real Estate  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Punta Gorda, Port Charlotte and North Port real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Punta Gorda, Port Charlotte and North Port real estate agent, I have the experience and track record you are looking for. Please let me help. - Brian Helgemo 
About Appraisals >Three Caballeros
When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.
Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.
This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.
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| Q |
What island in the St. Lawrence River was given away on a television game show in 1964?
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| A |
Price is Right Island was given away by Bill Cullen on "The Price is Right." |
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