Mortgage Programs

I never advertise anything on here…ever.  But recently my brother referred this mortgage banker to us.  We bought our home in 2007 at the height of the housing boom.  Now like many Americans we owe more on our home than it is worth.  The government has come out with several programs to help home owners but how do you really know which ones to use or who to contact to help you through this process?  I highly recommend John Hoskins.  He is based out of Missouri but is licensed in over 40 states as a mortgage broker.  He is attentive and relentlessly worked with us to get a better mortgage while also lowering our payment.  These mortgage programs are only being offered for a limited time. 
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Photo Source

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 Here is his contact info if anyone is interested.  Make sure you tell him that Sara from Florida sent ya :-)

John Hoskins
Sr. Mortgage Banker/Branch Manager
NMLS : 237636

314-704-3467 cell
314-317-8700 office
314-334-0937 efax

Fidelity Mortgage
www.fidelityBANC.com
Fidelity NMLS# 902622


Our Breezy Beach Life

The Hatteras Hiker and Ego Beach Action!

The “Hatteras Hiker” is a convenient method for carrying your kit out to the beach.  Originally invented by Wind-NC‘s Andy McKinney, I adopted this method given all the beach ORV access closures and need now to carry my stuff out (what a waste of a $ 120 2013 beach driving permit!).  The setup is quite compact, easy, well balanced, and the carry is very natural.  Kind of like an office briefcase.  With the “Hatteras Hiker” in one hand, and the board in the other, its a breeze heading out at spots like Ego Beach, Lifeguard, etc…  No longer a need to rig in a rough parking lot, and head carry a rigged kit.  Now, its a simple, compact, and easy method to get out there and catch a few waves, if a hike is necessary. 

Speaking of Ego Beach (which is located oceanside directly across from Canadian Hole), the setup there is now working quite well with a nice scalloped beach and escarpments equating to a nice outside sandbar and calm/minimal shorebreak.  Should be quite nice there today and this weekend with the strong wind forecast and rising wrap surf! 
Here is a slide show shot yesterday at Ego by Keith McCulloch

Bill’s OBX Beach Life

easy risotto recipe – ham, pea and parmesan baked risotto

Hello Beach Cottage lovelies, well now, this baked risotto recipe changed my life, sad but true, maybe it will happen to you too…you get it all here in Beach Cottage Land, tips on how to drink water so you buzz around like a happy little bee, ideas on how to hide things in magic wardrobes [...]

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Beach Decor Blog, Coastal Blog, Coastal Decorating

It’s ended! Beach Cottage style with a vintage French cheeseboard

It’s ended, it’s ended, it’s so ended. My forever ever ever ever hunt for a vintage cheeseboard with a leetle bit of a French or Italian flair on the other side of the world has ended.  I now, seriously, have one in my possession.  It was a furiously serious moment in my life and what [...]

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Beach Decor Blog, Coastal Blog, Coastal Decorating

vintage French bottle for coastal beach decor

It’s a funny old world Beach Cottage ladies, isn’t it, a few years ago who would have thought that I would be pulling my heart about out over a vintage bottle / canning jar (in blue no less) with a ceramic lid (no less) from France (no less) on the other side of the world [...]

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Beach Decor Blog, Coastal Blog, Coastal Decorating

Beach Cottage Travels, A Weekend in the Australian Country

    G’day lovely Beach Cottage girlfriends, how the devil are you, now would you like to come with me today for a Wintery trip to the Australian country?…oh a visit to an Australian country town, yes please! If you have been a reader of this blog for a while, you will, by now, know [...]

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Beach Decor Blog, Coastal Blog, Coastal Decorating

What a Month for Windy Warmth, June is a Major Score for 2013!

Wow, its simply been windy every day on the OBX this June! Somewhere on the islands, daily, IWS meters break the 20mph barrier and usually ramp well above 25mph! Coupled with warmth in the air and water, its trunks only and fun riding all sorts of kits from high wind 3.7m to 5.5m moderate along with of course the light air SUP wave riding! From the surf side, points north of O Inlet have been knee high on average with some nice potential outer sandbars in Nags Head, however, down south the swell has been better with Ramp 43 showing some nice form and size throughout the month.

Unfortunately, Rmp 43 and 44 are now closed to ORV as well as pedestrian (Rmp43) traffic so now these spots are untouched. Real bummer and nonsense given that now with the $ 120 annual/$ 50 weekly permitted ORV requirement, traffic is considerably diminished. Yet majority of Ramps on the islands are closed down.Why is ramp 1, 3, 23, 34 closed… these ramps are simply closed for no apparent reason??  All utter BS here and if the decision makers (that individual or small group who actually make the ramp open/close decisions) were to be open and forthcoming in “Why?!” it may make some sense, but its simply a closed door activity with the only reasoning noted as “nesting birds.” Honestly, I have always believed its a “policing” issue where the NPS has a perceived lack of manpower to satisfactorily patrol the beaches. Though beach access is another issue better suited for other blogs/posts/news outlets.

Back to the windy June, here is a nice June First Half photo recap shot by Keith M!
Bill’s OBX Beach Life