John-Michael Elliott & Richard Eijo not only work in General Real Estate with buyers and sellers, they also provide Property Management solutions for the entire Polk County area.

Elliott & Eijo understand the current real estate market conditions and have solutions for all situations and that is why they are offering Property Management to their clients. Elliott & Eijo offer top notch service to owners and tenants alike and take extreme care in the properties that they manage as if they were their own. Property management services by Elliott and Eijo are tax deductible and their connections with local repairmen can also save you lots of money.

Call today – John-Michael Elliott (863)698-8710 or Richard Eijo (863)397-5707

SOLD SOLD SOLD SOLD SOLD SOLD SOLD SOLD

This great home is located in the Imperial Lakes subdivision at 5230 Misty Lake Dr. The home features a newer 30 yr shingle roof, new exterior & interior paint, wood burning fireplace, brand new kitchen cabinets and energy efficient stainless steel refrigerator, dishwasher, stove and microwave hood. The home has also had brand new carpets installed as well as new bathroom vanities and upgraded plumbing to cpvc. This home is situated on a .37 acre lot and has a fenced yard, tiled and screened porch and attached storage room at the rear of the home. This home is perfect for the person who wants to move in and do nothing….Call today for your private showing.

Another great home just become available…   This home is a fully approved short sale in the historic district and is in great condition.  The home features 3 bedrooms and 2 baths with 2 fireplaces, wood floors throughout, detached 2 car garage, updated kitchen, 2 yr old A/C, 2 yr old water heater, 4 yr old room. This home is a true gem and is approved at $137,000.

For more info visit our web site www.mylakelandhome.com

John-Michael Elliott 863-698-8710 - john@mylakelandhome.com

Richard Eijo 863-397-5707  – richardeijorealtor@hotmail.com

Polk County / Lakeland’s Top Realtors in Listing, Sales, Short sales, foreclosures, property management.

No long term contracts…

Satisfaction guaranteed!

Elliott and Eijo’s available homes for rent in Lakeland / Polk County

433 Oak landing: 5/3,  New Custom built home, Gated Community, S. Lakeland/ Mulberry $2200/month

805 Spicewood (South Eastern College) 3/2 Fenced yard. Tile floors, corner lot $795/month

Casa del Sol (Winter Haven) 3/2.5 Lake front, Pool, lawn care included $1000/month

Sandy Cove condos (N. Lakeland) 2/2 with enclosed porch, washer and dryer, pool, tennis courts, lake access $650 / month.

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Looking to rent your home? Call Elliott and Eijo and we’ll find you the best possible tenant and take the stress out of property management. Servicing all of  Polk County, FL

For more info visit our web site www.mylakelandhome.com

John-Michael Elliott 863-698-8710 - john@mylakelandhome.com

Richard Eijo 863-397-5707  – richardeijorealtor@hotmail.com

Polk County / Lakeland’s Top Realtors in Listing, Sales, Short sales, foreclosures, property management.

No long term contracts…

Satisfaction guaranteed!

Helpful Financial Tips from Eijo and Elliott

Should we pay down the mortgage or save

for retirement?

(MONEY Magazine) — For more than a year, Kim Champney, 40, and Pat Minick, 41, have been kicking in an extra $650 to their $1,048 monthly mortgage payments. “We don’t like carrying a lot of debt,” says Minick, who stays home with their three kids, ages 7, 8 and 10.

At this pace, the couple will pay off the loan in 2018, eight years early. But with their mortgage rate a low 4.4% after a refi, they wonder if the house is the best place to stash their cash.

“Definitely not,” said Grand Rapids financial planner Ryan Sheffer, who adds that the low rate and the tax break on mortgage interest make paying off the loan a lower priority than saving for retirement — which the couple are behind on.

They make $87,000 a year, mostly from Champney’s job as a quality-assurance director; yet they’ve saved just $68,500. She puts 1.5% of her pay in her 401(k); they each stash $3,000 a year in Roth IRAs. “By not investing more while they’re young,” says Sheffer, “Kim and Pat are missing valuable compounding.”

Their assets

1. $68,500 in retirement plans

2. $15,000 in 529 college savings plans for the kids

3. $6,500 in cash earmarked for emergencies

The solution

1. Max out Roths. Champney and Minick are in the 15% tax bracket, and tax rates will likely be higher when they retire. So Sheffer says Roth IRAs make sense for them, as money going in is taxed upfront, while withdrawals are tax-free. (Also, Champney gets no 401(k) match.) They can boost savings to $833 a month, $10,000 a year, the max for two people their ages.

2. Then feed the 401(k). They will still have $317 a month to work with, of the $650 they’d been using to prepay the mortgage. They should first beef up their emergency fund by $1,000, and after that, redirect the cash to Champney’s 401(k) for additional tax-deferred growth.

3. Cut investment costs. Their nest egg is in six funds, most with high fees and poor long-term returns. Philadelphia area planner John Sion suggests consolidating into a target-date fund. As conservative investors, they’ll want one meant for those who’d retire sooner than they will: T. Rowe Price Retirement 2025 (TRRHX) is 77% in stocks.

Looking to buy or sale a home? Call Us John-Michael Elliott 863-698-8710 and Richard Eijo 863-397-5707

Polk County / Lakeland’s Top Realtors in Listings, Sales, Short Sales, foreclosures, property management.

No long term contracts…

Satisfaction guaranteed!

New Listing By Elliott and Eijo

This pool home is located at 5605 La Serena Ave Lakeland Fl 33809 in the Lake Gibson Hills subdivision. It is 4 bedrooms / 2 baths with 1900 sq ft. of living area and boasts a wood burning fireplace, vaulted ceilings, spilt plan, fenced yard, in-ground pool surrounded by pavers. Easy access to I4, shops and restaurants… SHORT SALE

To get more info on this or any other listing call John Elliott 863-698-8710 or Richard Eijo 863-397-5707. Your Top Lakeland Realtors in Short sales, Foreclosures, Property Management, Listings & Buyer services…

#1 Small team at Exit Realty 4 years in a row…

Call us for more details: 863-698-8710 or 863-397-5707

We have a great new listing at 305 Bluebird Lane Lakeland, FL 33809. $124,900 with seller paying 6% of closing costs!!!!This home features a new roof & A/C in 2007 and the owner has just installed new carpet, tile, paint & cabinets. This home is in pristine condition and is a great family home with 4 bedrooms and 2 baths, large fenced yard, screen porch, 2 car garage, fireplace and much more………

Take a look at the pictures below:

If you are interested in this home or wish to list your home call us at 863-698-8710 or 863-397-5707

4023 Whistlewood cir in the Beautiful Carillon Lakes Subdivision. If you want us to sell your home give us a call for a FREE market analysis… Richard Eijo 863-397-5707 richardeijorealtor@hotmail.com  or John-Michael Elliott 863-698-8710 john@mylakelandhome.com

To get more information on the home we sold on Bellflower Way call us!!

That makes 2 homes sold in Carillon Lakes in less than 30 days!!

Best Deal in TOWN:
One Sunday afternoon a couple sees an ad in the paper. They can’t believe their eyes. There is a house in the paper for $1000 that is in the nicest part of town. We are talking about a Lake Hollingsworth mansion for $1000. They think this has to be a misprint, but decide to call anyway.
They say to lady who answers we saw your ad, and realize it is a misprint correct. She tells them no it’s not & you are actually the first ones to call.
They decide to go look at the house. They race over as fast as they can. They pull up to the most beautiful house on the block. In front of the house is a fountain that cost at least $30,000. They ring the door bell & the lady answers. She starts showing them the house. They realize this house is over 5000 sq ft and it is obvious that expense was not a problem in building this house. The house had marble imported from Italy & a chandelier imported from France. The landscaping was breath taking & the house had a great pool & a nice tennis court.
The couple said to the lady this is the most beautiful house we have ever seen, what’s the catch? The lady assured the couple there was no catch. The couple wanted the house for $1,000 but was leery of doing the deal. Finally the lady said you seem like a nice couple, so I’ll let you know the truth.
She told them this house is completely paid for, and not a penny is owed against it. Well, last week I got a call from my Husband. He informed me he is leaving me for his secretary. He then told me I could have everything we own as long as he could have the proceeds off the sale of the house. I agreed and he asked me if I could sell the house while he & his new girlfriend hung out in the Caribbean?
HOUSE SOLD.