Sanibel Island FL real estate, Sanibel FL real estate, Captiva Island real estate, and Captiva Florida homes for sale, Lee County, FL, Florida - James & Penny Hetmanek, REALTORS® James & Penny Hetmanek REALTORS(r) for Sanibel Island and Captiva Island, Florida real estate - NUMBER1EXPERTS™ James & Penny Hetmanek NUMBER1EXPERTS(tm) for Sanibel Island and Captiva Island, Florida real estate
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James & Penny Hetmanek, REALTOR®, real estate agents and broker for Sanibel Island and Captiva Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
Call us for all of your Sanibel Island Real Estate needs toll free at (800) 553-7338, ext. 219 for Jim and ext. 202 for Penny

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Welcome! Use this site as your Resource for Sanibel Island Real Estate, Captiva Island Real Estate, and the Entire Lee Island Coast! Our site is packed with important information about our area. Put a link in your favorites and check back often! 


Why not work with Real Estate agents who are proven leaders in their field? We have been recognized as Leading Sales Associates for the Sanibel & Captiva Island offices and for VIP Realty Group for Southwest Florida! So when you are looking for Sanibel Island Real Estate, Captiva Island Real Estate or Real Estate in the Lee Island Coast, this is the site for you. Here you can find loads of information about our unique real estate market, our Feature Properties, and search all local real estate listings including homes for sale, investment condos, and vacant land. We'll help you find the property that you're looking for!  

We promise Responsiveness. Contact us today for free, no obligation, one-on-one real estate advice via email or phone and a member of our team will respond to every question you have promptly and accurately.  

Results - We will do everything in our power to achieve the results you desire and expect. Why? We want to be YOUR Sanibel Island and Captiva Island Real Estate Experts. We will help you find the best home or investment condo on Sanibel Island or Captiva Island within your price range.  

If you are considering selling, consider us. Together we will sell your home or investment condo, for as much as the market will bear, and as quickly as possible. See ‘Why Sellers Choose Us’ in the ‘For Sellers’ section of our site to view our vast marketing system. As top Sanibel, Captiva and Lee Island Coast Realtors, we have the experience and track record you are looking for.  

Within this site, you will find links to many of the things that Sanibel Island, Captiva Island, and the Lee Island Coast has to offer. Printable & interactive maps, information about our Team and the services our Real Estate Team provides, as well as useful phone numbers for everything you need on our Islands. Please take the time to email us and let us know what you think! We are truly your Sanibel Island Real Estate Experts!  


James & Penny Hetmanek 

 


Real Estate Tips
Financing Your Home >The Language of Financing

When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.

You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.

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Real Estate Trivia
Q 
Where is the world's largest bridge located?

A 
Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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James & Penny Hetmanek, REALTOR®, real estate agents and broker for Sanibel Island and Captiva Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

James & Penny Hetmanek
VIP Realty Group, Inc.

1560 Periwinkle Way
Sanibel Island, FL 33957
James: 239-472-5187 ext 219
Penny: 239-472-5187 ext 202
Toll Free: 800-553-7338 ext 219
Fax: 239-437-7530
Cell: 239-565-0359
Email: Hetmanek@Hetmanek.com

James and Penny excel in the world of Sanibel, Captiva and Lee Island Coast Real Estate. Consummate professionals, they understand the intricacies of the market and the importance of individualized services. James and Penny are very accomplished negotiators who are successful at exceeding their clients' expectations. They are truly your Island Experts.

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