I came up upon blog from Louisiana Real Estate agent about “bond for deed”. I read article and it kind of “hit me”…How different Real Estate rules, laws, even Real Estate words are from state to state. Of course I knew that this is the case: being “in escrow” in some states is “being under contract” in Florida. Some states require attorney to handle closing, where in Florida we can use Title Company, etc. Going back to Louisiana : “Bond for deed” in non existing in Florida…but maybe I am wrong. Maybe it is like “rent to own”… if that is the case, I have never seen this in Real Estate Transaction. To me it looks more like “owner financing”, but with Title changing hands after loan is paid off. Well…long story- short…So different.

Long story- short. If you are moving from state to state and you think that you know how Real Estate transaction should look…think again. And ask questions.

DSCF0128 (2) IMG_1167


Call me at 772-485-4188 or email at anna@annasellsrealestate.com





Conventional loan is the most popular Real Estate loan. Usually buyer borrows between 80% and 90% of the value of the home and pays the rest with cash at the closing.

Pros? Much easier to obtain than FHA or VA loan. Appraisal rules are not as strict. Basicly lender asks appraiser to evaluate home, not inspect it, so there should not be weird “safety or health issues”, unless there really are issues. It is much quicker process. And with putting down 20% or more, there is no mortgage insurance required. If you put down less than 20%, you will pay mortgage insurance until  80% is reached and then it goes away.

Cons? Larger amount of down payment required than with FHA or VA. And it is a little bit harder to qualify . FHA, VA is more forgiving with debt to income ratio.


Call me at 772-485-4188 or email at anna@annasellsrealestate.com



VA loan is called that, because is guaranteed by US Department of Veteran’s Affairs. As name suggest, it is not regular (anybody can apply) loan. It is offered to our men and women in uniform (soldiers ).

Pros? This is the only loan on the market (as of right now) that allows you to purchase home with literally $0 out of pocket. As with FHA, you can ask seller to contribute toward your closing costs. There is actually no maximum as long as those closing costs are customary, but 6% of the purchase price is safe bet.

Cons? As with FHA, home needs to appraise, so even if seller agrees to cover your closing costs,there is chance that value is just not there. As with FHA whole process is long, there are weird rules that may complicate deal (for example buyer is not allowed to pay for “wood destroying organisms”  inspection). It seems like a great thing until you find out that seller ABSOLUTELY refuses and you as buyer do not mind to pay, but rules are rules…no legal way of going around it. And of course you want to make sure before you start looking for a house that you qualify for VA loan. And this is one more step on top of getting approved for loan.  


Call or email listing agent Anna Chroscicki with RE/MAX Masterpiece Realty at 772-485-4188 or anna@annasellsrealestate.com.



Fat Thursday

Fat Thursday is today. Yes- in Poland we don’t have Fat Tuesday, but Fat Thursday. On this last Thursday before lent, sweets are our world. And out of all sweets, paczki make biggest statement. Paczki look a bit (I guess a lot) like donuts. And at this time of the year you can find those pastries in Walmart, Publix…but believe me-taste nothing like real Polish, home made paczki.


Try to make batch :    

  • 600 g of wheat flour + a few tablespoons for dusting
  • 3 small eggs
  • 100 g butter, melted
  • 70 g sugar with real vanilla
  • half a teaspoon of salt
  • 2 tablespoons rum
  • 250 ml lukewarm milk
  • 20 g of fresh yeast and dry yeast 10 g
  • frying oil
  • jam or cream pudding, stuffing, nutella (my mom makes her own – plum preserves- that is the best thing)

Sift flour, mix with dry yeast (from fresh to do first solution ). Add remaining ingredients and mix, adding at the end of the dissolved fat. Knead a few minutes, until dough is smooth and soft (try not to add flour, although the dough is slightly sticky).Knead recommend a mixer with a dough hook or machine baking bread.

The kneaded dough form into a ball, put it in a lightly floured bowl, cover and set aside in a warm place until double in volume (about 1.5 h).

After this time, remove the dough with flour sprinkled on top. Roll out to a thickness of about 1 – 1.3 cm and a glass having a diameter of 6.5 – 7 cm cut out donuts. Put them on a floured cookie sheet to double in volume (should be very puffy, but not oversized).

You can also form dough balls that instantly fill with jam

After rising to fry the donuts in oil heated to a temperature of 175 ° C, few minutes on each side. The oil temperature should not be too high, because the donuts quickly browned on the outside and inside will be raw.

After frying put on tissue paper to drain. Stuff with jam or cream, if you have not done this before.

Still warm to ice or powder.


  • 1 cup powdered sugar
  • 3 tablespoons hot water

Stir powdered sugar with water until smooth. Adjust density of icing by the addition of water or sugar.

Fat Thursday