10 Apr 2018

‘Rates & Reels’ With Coach Jamie Corr of FSW Baseball

‘Rates & Reels’ With Coach Jamie Corr of FSW Baseball

When you’re a serious fisherman, you don’t let a little weather get in the way — usually. As I was reminded in last month’s episode of “Rates & Reels,” alongside FSW baseball coach Jamie Corr and our aptly-named guide, Ozzie Fischer, sometimes the best fishing happens just before the storm. But when you start hearing thunderclaps stretch out over the open ocean, it might just be time to head in.

We started the day near Sanibel, hunting with cut bait at Cpt. Fischer’s suggestion for the local school of redfish that had been cruising the area lately. Lo and behold, within just a couple hours, we had one on the line. After he put up the fight of a much bigger fish, I finally managed to drag the hearty redfish aboard. He wobbled around in my hands for a bit, but after getting a shot for the camera, we sent the sucker on his way and got back to work.

Well, “work” is a relative term. As coach Jamie and I played the waiting game and stood around with our lines in the water, we, of course, talked about baseball. I could have sat chatting about the sport all day, but before too long, it was time for me to drag another redfish kicking and screaming onto the boat. “Looks like another good redfish on the Tim Hart fishing show,” joked Cpt. Ozzie. But hey, I have to say that it was! Still, I almost felt bad. “I’m not being a good host, so far,” I said. “Coach Jamie’s caught a catfish, and I’ve got two reds — no more lines in the water for Tim.”

Luckily, coach Jamie hooked his own monster red within about an hour. Let’s just say that quality won out over quantity, here. This guy was so big he escaped from Jamie’s grasp just before we sent him back into the water.

Of course, it wouldn’t be “Rates & Reels” without our trademark 3 Questions segment. For this episode, I met up with coach Jamie at the City of Palms Park right here in downtown Fort Myers. I don’t know if I’ve ever had a guest as eager to answer my questions as coach Jamie was.

My first question was about what coach Jamie thought of the classic divide between year-round baseball players vs. multisport. “When you’re talking about creating the well-rounded athlete, I think multisport is the way to go. It gets kids in a competitive atmosphere year round, which you want, but it also introduces them to other sports and lets them meet other kids, which I think is so important.” He continued, “You need to hit a baseball every single day of the year. But you don’t need to throw a ball every single day of the year.”

The second came from viewer Derek Hoines: “At what age do you start recruiting players, and what do you look for?”

“Being a junior-college coach, we start recruiting a lot later than other programs,” coach Jamie said. “We come in the picture for three kinds of kids: (1.) the athlete who is not quite at the ability level to play at the Division 1 school they want to [so they come to us to get their ability up to snuff]; (2.) the D-1s really want that young man, but he just didn’t get the grades. So, they need to come to us to get the academics in line to where he can qualify for the Division 1 scholarship; (3.) and the one we really love to go after is the bona fide Division 1 player who gets even better and has pro aspirations.”

I asked my last question from a personal standpoint as a Little League coach. What advice did coach Jamie have for us Little League coaches to help our kids? “First and foremost … you’re the most important coach in these kids’ lives. You’re No.1 … the Little League coach needs to be more in tune with developing the athlete on the baseball field with his fundamentals.” He continued, “Don’t worry about winning … develop a modality where you’re focusing on the quality at bat.”

Back on the water, coach Jamie and I closed out the day in a different spot, racing to see who could catch the most mangrove snappers. In the end, the count ended at 7-4, me versus Jamie, which might make it sound like I won the competition — until you take a look at Jamie’s second and third fish, which were two of the most gigantic snappers I’ve ever seen.

All in all, it was a fantastic time with two great guys. Coach Jamie fought the fish valiantly, and Capt. Fischer stayed true to his name and put us on the fish like an animal. A big thanks to everyone involved. Until next time, wishing you low rates and tight lines!

Tim Hart Jr, Branch Manager


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04 Apr 2018

Funky Cold Embarassment… Busted by my Grandma

Funky Cold Embarassment… Busted by my Grandma

It’s funny how things always come back around, often after many years. Lately, my kids have been dancing around to the soundtracks of “Guardians of the Galaxy” Vol 1 and Vol 2 nonstop. They’re full of old hits from Electric Light Orchestra, Parliament, and Fleetwood Mac, and my kids love it all. One of their favorites hilariously enough, is “Mr. Blue Sky” by Electric Light Orchestra, which I think they’re even making a goofy music video for. It’s been awesome to watch as they each get down to their heart’s content, jumping all over the place without a care in the world. And while those old ‘ 70s tunes may not exactly be the songs of my youth, they’ve got me thinking about all the weird stuff I used to listen to as a kid

Though I started out listening to ‘80s pop jams as a young kid, as I crossed the threshold into my teens, my music tastes changed. Just like everybody else my age, I started to pay a little more attention to the trends, following what was cool. And one thing that was cool- at least to me- was the hilarious hip- hop track “Funky Cold Madina” by Tone Loc. One day, intent on memorizing every lyric, I sat down and wrote each line of the song on a piece of paper. After completing the task, I practiced rapping along for a couple of minutes, left the paper folded up somewhere in my room, and completely forgot about it.

Here’s where the story goes from typical teenage boy behavior to a genuinely cringeworthy situation. Back in those days, my grandma used to come over occasionally and clean our house to help out my mom. One day, she walked into my room and spotted the piece of paper, folded up and tucked away in the corner. As she opened it up and read the words I’d written her eyes widened.

“The girls are all jockin’ at the other end of the bar,” the note went, “havin drinks with some no-name chump, when they know that I’m the star… This is the ‘80s, and I’m down with the ladies” She wondered, “Did Timmy write this all himself?”

She brought the letter to my mom, chuckling. “I think Timmy’s written a love letter to some girl!” I was humiliated, but every time I think of this story today, I start to crack up. Seriously, look up the lyrics sometime to “Funky Cold Madina” and you’ll understand. Some 13- year- old kid writing out those lines in his room straight from his head is one of the most hilarious images I can think of. I mean, my grandma actually thought I wrote this myself:

 

“Cold coolin’ at a bar, and I’m lookin’ for some action but like Mick Jagger said, I can’t get no satisfaction.

I went up to this girl, she said “Hi, my name is Sheena”

I thought she’d be good to go with a little Funky Cold Medina.

She said ‘I’d like a drink;’ I said, ‘Ehm, okay I’ll go get it’

Then a couples sips, she cold licked her lips, and I knew that she was with it.”

 

… Really Grandma?

Tim Hart Jr, Branch Manager


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30 Mar 2018

Gift Money: Everything You Need to Know

Gift Money: Everything You Need to Know

We get this question more often than most… “ Can my family member help me with my closing costs or down payment?” The answer is yes, but if you are getting gift money to help finance your new home there are a few things you need to remember…

The “Donor” of the gift must be a family member, fiancé or domestic partner. They must prove they have the ability to provide you with the gift by providing a copy of their bank statement, a copy of the canceled gift check and/or a signed letter from their bank saying the funds are available.

The “Gift Letter” is a form we will provide. The donor will need to complete it with basic information and a signed statement that the funds are a gift with no expectation of repayment.

The “Transfer” must be documented carefully. Make a copy of the gift check and deposit slip or of confirmation of the wire transfer. Deposit the gift in the account you’re already using for verification of funds to close. DO NOT combine this deposit with any other incidental deposits. Provide either an online update or the next account statement to show that the deposit cleared into the account.

Some programs allow for the entire down payment to be in the form of a gift. Others may require that you have at least 5% of the purchase price from your own funds. As these rules can vary or change at any time, never hesitate to consult with us for the specifics as they relate to your transaction.

While the documentation requirements may seem excessive at times, please remember that the underwriters are simply following the rules to assure that your down payment is not borrowed and that any allowable gift funds are coming from acceptable sources.

And remember, if you have any questions about the mortgage process, just ask me!

Tim Hart Jr, Branch Manager


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21 Mar 2018

Meet Captain John Conway, The Man Behind the Beard

Meet Captain John Conway, The Man Behind the Beard

When Captain John Conway got laid off more than nine years ago from his job teaching clients how to effectively invest in real estate, he wasn’t sure what he would do next. One day, while having a beer with a couple of his buddies, someone came up with an idea. “Hey John,” they said, “ why don’t you become a fishing guide?” Though John certainly had intimate knowledge of the surrounding waters and a passion for fishing, he thought it sounded a little too much like a pipe dream.

But the idea was planted. After a little research, John realized that if he combined the thousands of hours he’d spent fishing in the Caloosahatchee and the Gulf of Mexico with a small initial investment, he might have a viable project on his hands after all.

Fast- forward almost a decade, and his business, Conway Charters, is one of the very best boat chartering companies in all of Southwest Florida. As a frequent passenger on Johns’ boat, I can tell you “not only does Captain John boast an expert knowledge of Florida waters, but he brings his enthusiastic, funny personality to every trip.”

John’s main goal is to show a good time to anyone who ends up on his boat. “I just like to take people fishing!” he says. “For me, it’s all about keeping the rods bent. Guiding is 10 percent fishing skill and 90 percent personality.”

“Other guides may go out and only ever hint for the big monsters,” Captain John says. “But instead of ending up with one or two bites in four  hours, I’d rather help my passangers catch 80 fish in the same amount of time! Every single one might not be a huge trophy fish, but for most people, it’s a lot more fun.”

No matter what the conditions, John always manages to deliver, and he never tries to sell or over-promise anything to a customer. Hes a great guy and a master fisherman. Ifyour looking for the fishing trip of your life, give him a call at 239-410-0067 or visit him online at www.conwaycharters.com – we highly recommend it!

Tim Hart Jr, Branch Manager


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27 Feb 2018

Commercial Lender I Recommend

Commercial Lender I Recommend

Hello!

Several times a week I get asked about a commercial loan.

Commercial loans are not something we do at VanDyk Mortgage, BUT I can recommend a commercial lender to you.

His name is Nick Rinella from Bank United. He is located here in Fort Myers.

Phone: 239-277-3500

E-Mail: NRinella@BankUnited.com

I have referred several clients to Nick and also know other Financial Advisors and CPA’s that use him. Nick does an awesome job and you can trust him with your referrals.

Hopefully this information will help you in the future in case you need a commercial lender.

Tim Hart Jr, Branch Manager


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26 Feb 2018

Can You Close a Home With No A/C Unit?

Can You Close a Home With No A/C Unit?

 

The answer is … no,  and this can be a major problem for you and your business. House has had the A/C unit/ pool pump/ water heater stolen or broken and the lender will not close the loan until the equipment is fixed.

Seller or buyer agrees to pay for the repair but will not do so until closing.

This is understandable because the seller does not want to waste money and the buyer does not want to improve a property that he doesn’t own yet.

We have a solution that will allow the property to close, loan to fund, and the repairs to be done within 10 days of funding. We require that you get 2 estimates from licensed contractors. We will stipulate that 1.5 times the amount of the highest bid be put into escrow at closing. Example: highest bid is a $1,000. We will require 1.5 times ($1,500) held in escrow.

Schedule the work to be done shortly after closing. Once work is completed we send out an appraiser for final inspection and then release the funds to the contractor. This program is for minor repairs like the A/C unit, water heater, pool pump etc. It is not to be used on a new roof, kitchen/bath remodel etc. It is not a renovation loan.

Hopefully this information helps you in with you’re A/C Closing questions.

Tim Hart Jr, Branch Manager


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18 Dec 2017

Episode #11 – With Special Guest Chef Brian Duffy

Episode #11 – With Special Guest Chef Brian Duffy

You guys are going to love this episode!

Tons of big fish and a special guest appearance from world famous Chef Brian Duffy.

Our special guest for the 11th episode of Rates and Reels is Fort Myers native and long time owner of City TavernKevin Offerman. City Tavern is one of the most popular bars in downtown Ft Myers. Kevin has been a friend of mine for a long time so I was super excited to go fishing with him.

Kevin took us fishing in his decked out boat and brought along his friend and Captain Kerry Trotter. Captain Kerry killed it all day!

This day started at 4:30 in the morning so it was a long one but worth it! We went out 80 miles into the Gulf of Mexico to fish for Grouper, Amberjack, African Pompano a few other surprises.

Here are a few highlights:

  • Chef Brian Duffy filmed and episode of Rates and Grills where he cooked up the Snapper and Grouper we caught. That was one of the coolest things I have done since starting Rates and Reels.
  • Caught an Amberjack that had to be four foot long
  • Huge Grouper and the largest Mangrove Snapper I have ever caught
  • Had an Amberjack bit in half by a bull shark and so much more!

Low Rates and Tight Lines!

Please click Like and Share if you enjoyed the show or know of someone that may find this show interesting.

You can find Rates & Reels on YouTube: https://www.youtube.com/…/UCo5kVgXL1MNy…
Twitter: https://twitter.com/RatesAndReels
Instagram: ratesandreels
Facebook: https://www.facebook.com/RatesAndReels/

If I can help you with any of your mortgage needs or you have questions about the show please call Tim Hart- Loan Officer at 239-437-4278 or e-mail me at thart@vandykmortgage.com or visit my website at www.TimHartJr.com

 

Tim Hart Jr, Branch Manager


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28 Nov 2017

Confirming Loan Limits Have Been Raised for 2017!

Confirming Loan Limits Have Been Raised for 2017!

Good morning!

Hopefully you had a great Thanksgiving!

On 11/23/16, the Federal Housing Finance Agency increased the conforming loan limits for 2017.

The loan limit was increased from $417,000 to $424,100 for Lee and Charlotte County.

Collier County increased to $450,800 from $448,500.

 

Hopefully this information helps you and your clients

Have a great day!

Tim Hart Jr, Branch Manager


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23 Aug 2017

Episode #9 – With Special Guest Dan James & Brady Nelson of Dan James Rod Company

Episode #9 – With Special Guest Dan James & Brady Nelson of Dan James Rod Company

Rates & Reels is out fishing with Dan James and Brady Nelson of Dan James Rod Company. We are putting Dan James’s rods to the test against Permit and Barracuda and they passed with flying colors!

We left Royal Shell Port Sanibel Marina and went straight to a shrimp boat wreck where we battled Barracuda and Permit all day long! Captain Ryan Lee Kane of Southern Instinct Charters had us all over the fish and did an amazing job!

Take a few minutes and listen to Dan James explain how he got into the rod building business and what the future holds for Dan James Rod Company. Him and Brady are doing amazing things in that shop and I know they will succeed.

He also answered a few question that came in from Amber Strackand Stefanie Hart. The backdrop of the interview was made by The Patriot Standard Flags. I know some of you will ask because it is so cool!

If you are in the Fort Myers area, make sure you swing by and see Dan James and Brady at their shop. They are great guys and do an amazing job!

Thanks for everyone’s support with this show. It is truly done to promote our area and the leaders in it.

Hope you enjoy the show!

Low Rates and Tight Lines!

Please click Like and Share if you enjoyed the show or know of someone that may find this show interesting.

You can find Rates & Reels here
YouTube: https://www.youtube.com/…/UCo5kVgXL1MNy…
Twitter: https://twitter.com/RatesAndReels
Instagram: ratesandreels
Facebook: https://www.facebook.com/RatesAndReels/

If I can help you with any of your mortgage needs or you have questions about the show please call Tim Hart- Loan Officer at 239-437-4278 or e-mail me at thart@vandykmortgage.com or visit my website at www.TimHartJr.com

Dan James Rod Company: https://goo.gl/dt5idu
Southern Instinct Charters : https://goo.gl/et4Jrt
M&M Multimedia: http://www.mandmmultimedia.com/

 

Tim Hart Jr, Branch Manager


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26 Jul 2017

Episode #8- With Special Guest District 77 Florida State Rep Dane Eagle

Episode #8- With Special Guest District 77 Florida State Rep Dane Eagle

On this episode of Rates & Reels, I got to take out District 77 Florida State Rep Dane Eagle. It was really a pleasure to spend time with Dane and get to know him. It was an amazing June day in SWFL. Light winds and sunny was going to make for a great day of fishing.

The plan was to go Tarpon fishing with legendary Captain Bo Johnson of Tenacity Guide Service but we got a late start. Captain Bo wanted to be out on the water by 6:30 am and due to last minute scheduling conflicts on my side we had to move the time up a few hours. That did not work in our favor.

We saw acres upon acres of tarpon but could not get them to bite anything. The bite had just died off once we had arrived. Lesson learned for the Rates and Reels show. Go fishing when the captain tells you to go!! Sorry Bo!

We did manage to hook into a huge cobia. Dane worked that cobia like he would work a bill on the house floor. Sorry for the political pun. That is all I got!

I did add a new segment to our show called “Rates and Grills” I grilled the cobia that Dane caught and had my sons as taste testers. I’m biased but I think they did a pretty good job and they made me laugh. Hope you like it!

During the interview Dane talks in depth about water quality, Visit Florida and his future in politics. It was very cool to listen to him talk about Florida politics and provide us some insight on how things work.

Thanks for everyone’s support with this show. It is truly done to promote our area and the leaders in it.

Hope you enjoy the show! Low Rates and Tight Lines!

Please click Like and Share if you enjoyed the show or know of someone that may find this show interesting.

Tim Hart Jr, Branch Manager


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Office:239-437-4278
Cell:239-910-5668
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