VanDyk Mortgage - April 2018

Apr 2018

Letters From The Hart Give us a call! 239-437-4278 Or visit www.TimHartJr.com FISHIN’ Corporate NMLS #3035 www.nmlsconsumeraccess.org

WITH A MISSION For Saint Michael Lutheran School, Hosted by South Seas Resort

I’m proud to say that this is the third year in a row VanDyk Mortgage has sponsored the popular annual Fishin’ With a Mission fundraiser for Saint Michael Lutheran School — the school that all three of my children attend. The event is a huge weekend bash at the South Seas Resort on Captiva Island, including massive fishing competitions for both kids and adults. It’s a great family time with fantastic company all around. Of course, I get to spend a weekend fishing, which is something I’ll never turn down. This year, the fundraiser falls on Mother’s Day weekend, May 13–14. The big fishing competition kicks off on Saturday morning. Each group pays to enter, but there are numerous competitors. Last year there were a whopping 38 boats in the running! VanDyk Mortgage always has their own entry, and though I’ve never been able to wrangle my way to any of the top positions — the winners get $3,000, with $1,000 going to the runner-up — I always have a great time. Meanwhile, back on land, an event is underway just for the kids. Hundreds of them get out onto the marina, taking up every possible space and fishing spot, for the “Rock the Dock” event. Though they fish from the dock instead of a boat, the competition is still pretty stiff, with a huge variety of categories and prizes for the kids to win. Everybody gets a goody bag, and everybody gets to join in this big community fishing activity; it’s a ton of fun! The kids have an absolute blast the entire weekend — when they’re not fishing, they’re in the pool at the resort, playing on the waterslides or doing cannonballs.

season, school, and all the other responsibilities that can get in the way. But I’ll relax a bit and get my family out on the water and try to make some memories. This tournament is just one part of that. The Fishin’ With a Mission Tournament can always use more support! If you’re interested in becoming a sponsor, just visit their website at fishinwithamissionfl.com and click “become a sponsor.” Or sign up for the tournament and bring your kids down — the more the merrier! It’s one of the most festive weekends of the year, and it all goes to a good cause. -

Fishing is something I try to do with my kids as much as possible, but it can be difficult with the hectic baseball

NMLS #354676

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Rates and Reels ... continued from page 4

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 stopped 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, low rates and tight lines! How often does Coach Corr suggest you hit a baseball? TRIVIA QUESTION

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; and 3.) the one we really love to go after — 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

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 question came from viewer Derek Hoines, whose son Cam plays at Bishop Verot High School: “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

Gardening: Bringing Family Together

WHY YOU SHOULD CONSIDER INVESTING IN A FAMILY GARDEN

peas, and lettuce. You might be surprised at how willingly children eat their greens when they’ve had a hand in growing them. Family gardens can bring something new and fresh to your home. So, get outside, enjoy the sun,

quality time. Working in a group to create and maintain a garden is a hands-on experience for everyone. It’s a chance to get the whole family involved with a single project, and you can literally share the fruits of your labor. Deciding on Plants When it comes to deciding which plants you want in your garden, there are many variables to consider. Do you want to grow edible plants, ones that have magnificent blossoms, or ones that are easy to care for? Flowers are a good start if you want a plant that grows a little faster; plus, they lend a pop of color to your garden. Growing vegetables is also rewarding, as the kids will take great pleasure in eating what they’ve grown.

After spending a winter cooped up inside with your family, there might be a little tension between everyone. Fortunately, it’s spring, and the warm weather, melting snow, and blooming flowers offer a good way to ease restlessness. This season, why not bring your family closer together by starting a family garden? A Learning Experience Nearly every step in the gardening process can be a learning experience for kids and parents alike. Begin by discussing where you should start and why, what supplies you’ll need, and the types of plants you want to grow. Gardening also offers opportunities to learn about science, ecology, and nutrition. Collaboration Gardening gives your family a chance to collaborate. When you’re stuck inside for long periods, you may be spending time together, but it’s usually not

and discover the joys of plants and gardening.

Other possibilities include sunflowers, blackberries,

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NO PROBLEM!

NO CRED I T SCORE?

No-Score Loans for Your Home Purchase

old coming out of high school or any other adult who doesn’t have established credit. This used to be viewed as a liability and made it difficult to get a home loan. Through these no-score loans, we are able to remove that stigma and provide financing to anyone who might be in this situation. If you have more questions about how you can achieve your dream of owning a home without having a credit history, contact us today. Don’t let the fear of credit prevent you from buying a home. We have the information and the desire to help you with all of your homeownership goals, regardless if you have a high credit score or not.

for your home purchase. Acceptable references for a no-score loan include telephone, gas, electric, water, cable, and internet bills. Almost anything that requires recurring monthly payments can be used as long as it establishes a good track record of making payments consistently. As debt-free living becomes a priority for many Americans, the opportunity to offer financing through this service becomes even more crucial. When someone pursues a debt-free lifestyle and stops using credit, their credit score will eventually become dormant. When this happens, banks generally look at this person no differently than the 18-year-

We’ve all heard it before: “You need credit.” Or, “Open a credit card to build credit.” Or even, “You can’t buy a house if you don’t have established credit.” Well, this isn’t entirely true, especially now that we can offer no-score government loans. This means that we can now provide financing for single- family purchases for those who lack traditional credit references. This isn’t a government program, nor is it assistance for homebuyers that have an insufficient credit score. This loan is for buyers who don’t have a credit score at all. By providing your rental history and acceptable credit references, we are able to provide FHA, VA, and USDA financing

SUDOKU

VanDyk Testimonials Here is what one of our clients had to say about his experience with VanDyk Mortgage: “Tim Hart and his team kept me updated weekly on the progress of my loan. They answered any questions I had, and when it came to getting the proper documents needed to process the loan, they assisted in any way they could. Even after closing,

they kept in touch to see if there was anything I needed. I would recommend VanDyk Mortgage, Tim Hart, and his entire team to anyone looking to buy or refinance a home.” –Craig Unroe

Sherry and Craig Unroe with their realtor, Wendy Harpp, from the RE/MAX Realty Team

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Inside This Issue 8280 College Parkway Suite #101 Fort Myers, FL 33919 Fishin’ With a Mission PAGE 1 Gardening: Bringing Family Together PAGE 2 You Don’t Need a Credit Score to Buy a House Testimonial: Happy Homebuyer Craig Unroe Sudoku PAGE 3 Baseball & Fishing with FSW Baseball Coach Jamie Corr PAGE 4 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 superstar 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 pinfish at Cpt. Fischer’s suggestion for the local school of redfish that had been cruising the area lately. Lo and behold, before long, 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,

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

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 Coach Jamie. 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 and the fight was on. 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

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