The HartBeat Show Podcast

Medical Collections Being Removed From Credit Reports Starting on July 1, 2022 there are some big changes coming to the credit reporting for consumers. This is great news for consumers! Medical collections will not be able to report to the consumer credits report for 365 days. This will give the consumer more time to work with their insurance company or to pay the bill outright before it hits your credit report. Paid medical collections will be removed from your credit report. In the past, a paid medical collection would stay on your credit report and it could have negatively affected your credit score. The good news does not stop in July. Starting in March 2023 any medical collection under $500 will not be reported to the credit bureaus. Call my office at 239-437-4278 with any questions or concerns. We are always here to help. Have a rate day! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

I was super pumped that my friend, Jimmy Akers, was finally able to come on to the HartBeat Show Podcast. Jimmy is currently the Connections Pastor at First Christian Church in Fort Myers. I knew the topic I wanted to talk with him about was Servant Leadership in Business. Jimmy basically gives us a 30 minute sermon on servant leadership in business and I loved it! I know he wasn’t talking about me the whole time but it sure felt like it J I try to run our business and customer experience thru the eyes of a servant. Trying to add value to the mortgage business experience and sometimes we fall short but are always trying to get better. If you are in business you will want to listen or if you just want to listen to a great guy throw out gems left and right. Hopefully this helps you or someone you may know. Feel free to share this with someone you know that will be interested. Feel free to connect with Jimmy at https://dontdolifealone.com/and he also has his own podcast called “Keep Breathing”. Be sure to check it out! Have a rate day! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

We recently did a video called “Is Solar Energy Right For You” with my buddies, John and Tom Gonser, with Green Panda Energy.  I quickly realized that we needed a second one to answer some more of the questions and concerns that I was getting.  The Father and Son duo came back on to debunk the issues that I threw out to them.   Here are the five myths the guys covered in this video:  1. Solar Energy is too expensive  2. I have to replace my roof to get solar  3. Solar will take too long to pay off to make sense  4. Solar will not add value to my house  5. Solar will increase my real estate taxes   They cover all of these topics so be sure to listen to the entire episode if you are interested in learning more.   Be sure to check out the last video we did together called “Is Solar Energy Right For You?” to also learn more.   You can call them at  888-PANDA98 and you can always check out their website at https://greenpandaenergy.com/  Have a rate day! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

With energy prices increasing all across the country, I have seen interest in solar energy increase as well. Many people are looking at solar energy as a way to lower their monthly payments. There are also some people that just want to look for a cleaner energy source for their home. There are a lot of different variables that go into the decision of solar energy and if it makes sense for someone to do it. I brought on my friends from Green Panda Energy, John and Tom Gonser, they are a family owned business right here in SWFL. John and Tom did a great job going thru what you need to look for if you are interested in solar energy. John and Tom both agree that solar is not for everyone so reach out to them anytime and they can review your property and let you know If solar energy is right for you. Be on the lookout for another episode we have coming out soon discussing “The Five Myths Of Solar Energy”. That will answer more of your questions or concerns if you are thinking about solar You can call them at  888-PANDA98 and you can always check out their website at https://greenpandaenergy.com/ I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Last month we had a situation happen that I thought I would share. The borrower was referred to me by a friend and felt like they needed to explore other options for their loan.   The lender they had chosen was trying to do an FHA 203k Rehab loan. I believe they were going on two months and were no where close to closing. The borrower only needed around $30k to remodel the kitchen and put in new floors. There was absolutely nothing wrong with the house so we treated this loan as a cash out refinance and closed within 30 days.   In this episode I discuss why I would avoid an FHA 203K at all costs if you have an option to do a cash out refinance.   Feel free to share this with anyone thinking about doing a remodel of their current home. The tip could save them thousands of dollars and tons of headaches.   Thanks for watching! Have a rate day! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

In our ongoing series for home buyers, I brought out the big guns! The Bossman himself, Tom VanDyk. Tom is the President and Founder of the VanDyk Mortgage and was awesome enough to spend some time with me to discuss his mortgage business. Tom has been thru all the ups and downs of business and has not only managed to make it thru but has done it while building a billion-dollar company! I’m honored to be part of his team and had a blast speaking with him about his path to where he is at today and where he sees the future of the mortgage business. Hope you enjoy this one because I did! Make sure you check out the other videos we did about the home buying process.  Who is the Loan Processor with Rich Passansante: https://bit.ly/2IgBuu5 Interest Rates Explained With Jon Barnes: https://bit.ly/2EdOcFT Who is the Underwriter with Lindsey Kuhnle: https://bit.ly/2Xe0RA6 What is Homeowners Insurance With Avalon Insurance: https://youtu.be/jaDr9O2y8bU  What is Title Insurance With Old Florida Title:  https://youtu.be/F1xE9XQkJwc  Let me know if you have any questions or concerns. I am always here to help. Call my office at 239-437-4278 or e-mail me at thart@vandykmortgage.com. Make sure you share this podcast with anyone that may be interested and don’t forget to subscribe! Connect me with me on social media or my website. I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

  The next part of our series in the homebuying process is about Homeowners Insurance.  This is a very important part of the home buying process and I thought it would be great to unpack with the Mother and Daughter super duo, Connie Galewski and Amanda Fano of Avalon Insurance. Joe Galeswksi somehow managed to show up in the middle of the video to show off his world series softball rings. Shopping for homeowners insurance is one of the first things we are going to recommend you do when you go under contract to buy a home. The rates can vary on many different factors like age of house, age of roof, flood zone, etc. Feel free to watch this video if you want to learn more about homeowners insurance and please share this with someone that is thinking about buying a home. It may save them some time or money. Check out the rest of the video series we have released to educate you on the home buying process. Who is the Loan Processor with Rich Passansante: https://bit.ly/2IgBuu5 Interest Rates Explained With Jon Barnes: https://bit.ly/2EdOcFT Who is the Underwriter with Lindsey Kuhnle: https://bit.ly/2Xe0RA6 Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

  I have heard it all when it comes to Underwriters. Many people on our business have made Underwriters out to be these people that sit in dark rooms, laughing manically while they request random annoying things from borrowers but luckily it is actually not like that all. I thought it would be awesome to pull the curtain back on the Underwriter position, so you can see what their job entails and that they are human like me and you. VanDyk Mortgage superstar and Head Underwriting Manager, Lindsey Kuhnle, was cool enough to join me to talk about what being an Underwriter is all about. She won’t brag but I think she killed it! We unpacked so many aspects of the Underwriters job in such a short time and I feel like this interview could have went on for hours, but I know Lindsey had to get back to knocking out those Clear to Closes. I love writing that…..CLEAR TO CLOSE Make sure you share this podcast with anyone that may be interested and don’t forget to subscribe! Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

 Mortgage interest rates can be very confusing. They change every day and sometimes several times a day. So many factors are weighed when you a rate is being calculated. Credit scores, loan to value, property type, occupancy type and loan amount size or just a few of these items. To learn more about interest rates, I went straight to the man himself, VanDyk Mortgage Secondary Manager Jon Barnes. Jon is in charge of controlling the interest rates for VanDyk Mortgage and gives a ton of insight into interest rates. He is also a great guy and I am happy to call him my friend. Make sure you share this podcast with anyone that may be interested and don’t forget to subscribe!   I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

To start off our Perfect Loan Process series explaining all aspects of the mortgage process, it makes sense to start with the Loan Processor. This is a person that you will be highly involved with from contract to close. No better person to explain what a Loan Processor does than VanDyk Mortgage Operations Manager, Rich Passante. Rich and I get to discuss all aspects of the Loan Processors job and what it means to the buyer and Realtor. Hopefully this helps a new home buyer or Realtor understand what is coming with the loan process. Make sure you share this podcast with anyone that may be interested and don’t forget to subscribe!   Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Got to spend some time with this year’s District 18 High School Football Coach of the Year, James Delgado. Riverdale Raiders had an amazing season and James was voted as Coach of the Year by his peers in SWFL. They went 10-1, won the Battle of the Bell vs their rival Lehigh, won districts and have had an amazing impact on the Riverdale community. We discussed his path in coaching, community work, making men, the successes from this past season and many other topics. He also gave me a sweet hat! Sorry to my Triton alumni! Take a few minutes and listen to James and understand the influence he is having on young men in our community from his own team down to the students at Riverhall including a young boy named Cooper. This was one of the most interesting interviews I have done and thoroughly enjoyed it. Hopefully you will as well.  Make sure you follow James and Riverdale Football on Twitter at https://twitter.com/RiverdaleCoach I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

There is no better person in SWFL to discuss Bankruptcy with than Carmen Dellutiri of Dellutri Law Group. Carmen explained Bankruptcy in very simple terms and we covered many topics of Bankruptcy. Some of the topics were: What are the main reasons that cause Bankruptcy? Hint, medical bills are not one of the top reasons. What is the difference between Chapter 7 and Chapter 13? What debts CAN NOT be included in a Bankruptcy? How can you avoid Bankruptcy? Feel free to share it with anyone that may be going thru a financial hardship or that you are worried about. The podcast may help get them on the right path.  Call Carmen at his office to set up a free consultation. His number is 239-939-0900.  If I can help you or someone you know buy a home today, please call me at 239-910-5668 or e-mail me at thart@vandykmortgage.com  Please remember to like this page so you don’t miss future episodes like this. Make sure you share this podcast with anyone that may be interested and don’t forget to subscribe!  I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Did your teenager just buy a car? Do you know not know the basic maintenance of your own vehicle? You need to listen to Master Mechanic Jason Labonte of Legendary Automotive in Fort Myers discuss the basic maintenance of your vehicle. I also found out what “Rolling Coal” means. Hint: It wastes gas. It was a great talking with Jason and don’t forget that we did two other interviews with him. “The Future of Cars” and “What To Look For When Buying a Used Car” Call Jason at 239-277-1004 or visit him at 1921 Courtney Dr, Ft Myers Fl 33901 Make sure you share this podcast with anyone that may be interested and don’t forget to subscribe!   Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Are you a parent of a teenager that is ready to buy a used car? Maybe you are looking to buy a used car for yourself. Spend a few minutes with Master Mechanic Jason Labonte from Legendary Automotive and Truck Service LLC as he explains what to look for when buying a used car. Feel free to share this with anyone you know who may be in the market for a used car for them or their Teenage driver. Subscribe to The HartBeat Show Podcast so you don’t miss the next episode in this series on how to maintain your used car.  Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Are you a fan of Back to the Future? I am and that is why I loved this interview! I got a chance to sit with Jason Labonte of Legendary Automotive and Truck Service LLC in Fort Myers to discuss the future of cars. We all know that technology is not slowing down and very year vehicles are getting more and more cool features. Jason and I discuss self-driving cars, flying cars, how your car is basically a driving tablet, electric cars and of course I asked him about the Flux Capacitor. Jason was nice enough to give me the courtesy laugh on my Back to the Future joke even though he hears it every day. Feel free to share this video with anyone that may be interested in the future of cars. They will love it! You can also contact Legendary Automotive at 239-277-1004 or check out their website https://www.legendaryfl.com/ Let me know if you have any questions regarding your credit score. I am always happy to help! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

I got a chance to discuss a new loan program for self employed buyers with Jeff Tumbarello of Steelbridge Realty. There are NO tax returns required and we use 12 months of Business Bank Statements to prove income. Feel free to share this with anyone that is self employed and wants to buy a home.  You can call me at 239-437-4278 if you need help right away.  Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Everyone in Fort Myers knows Ozzie Morrobel but many people may not know about King’s Kitchen. Ozzie is part owner in an amazing locally owned restaurant in downtown Fort Myers. I got to spend some time at his restaurant interviewing him about a lot of things I think you guys will enjoy. Owning a restaurant? Difference between Waygu and Kobe steak? Why he put a BBQ Sundae in my face? It was so good… Let me know what you think of the show.  Make sure you subscribe to the podcast so you don’t miss future episodes.  Also, check out the episode of Rates & Reels that I did with Ozzie. The dude caught a Grand Slam! Tarpon, Trout, Snook and Redfish on in one trip. Here is the link: https://youtu.be/rZ3r-dtO6aQ  Enjoy the show guys! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Statewide and local elections for Florida are coming up on November 1. Many people are confused by the different Amendments on the ballot. I thought I could do my part by bringing some clarity to the issue by interviewing the Lee County Supervisor of Elections, Tommy Doyle. He was kind enough to go over each Amendment and we tried to both make sense of them. We mention in the interview that Lee County is not in charge of how the Amendments are written or what goes on the ballot. These Amendments came from the Legislature, Citizen Initiatives and the special Florida Constitution Revision Board. Please remember that Tommy’s position is a nonpartisan position and he was not able to give his opinion on the issues. I am not non-partisan but did toe the line to make this more about the information. Make sure you check this Podcast out if you need more info on the Amendments and feel free to share this with that person on your timeline who can’t figure it out.  There are a ton of them, including me!  Here are some helpful links as well.  Lee County Elections: https://lee.electionsfl.org/ Voters’ Guide To Amendments: https://bit.ly/2pNT5x9 Thanks for Listening !  I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

Wendy Schroder, President of the Cape Coral Historical Museum, joined me to discuss the history of Fort Myers on this episode of the HartBeat Show Podcast. This is an ongoing series on the history of SWFL that I am bringing to you guys. This one interview was a little easier for me, since I was born and raised in Cape Coral. Actually, my kids are 4th generations Floridians with Grandaddy’s parents homesteading in Cape Coral in the early 1900’s. Wendy shared several stories of the original settlers of Cape Coral and the timeline to now. We talk about the Rose Gardens, Wild Bill Belvin, The Rosen Brothers and many other interesting facts about Cape Coral. Check this out and let me know what you think. Feel free to share this video with anyone that may be interested in the history of Cape Coral. Let me know if you have any questions regarding your mortgage or credit score. I am always happy to help!  Enjoy the show guys! Like, share and subscribe! I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/

I thought it would be cool to start bringing some history of SWFL to you. My first guest about this is Doug Dailey, the President of the North Fort Myers Civic Association. Doug came into my office and was ready to rock and roll about North Fort Myers. We discussed how North Fort Myers was created and even went back to the days of the Pirate Jose Gaspar all the way up to current day. We discussed the Shell Factory, the best restaurants in NFM (spoiler alert: I said “Smoke’n Pit BBQ”) and what is coming in the future for NFM. Please share this with anyone that wants to move to North Fort Myers or currently lives there. Maybe they will enjoy this conversation. Let me know if you have any questions regarding your credit score. I am always happy to help!  I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn -  https://www.linkedin.com/in/timhartjr/