Tag Archives: Health care

SEARCH FLORIDD 55 PLUS COMMUNITY HOME INVENTORY

4 Apr

SEARCH FLORIDA 55 PLUS COMMUNITY HOME INVENTORY

Cascades at St. Lucie West is a premier resort lifestyle active 55 Plus community featuring Mediterranean-style real estate architecture and beautifully manicured grounds. Cascades community offers it’s own 9-hole golf course, 10 lighted Har-Tru Tennis Courts, a  26,000 sq.ft. Clubhouse, outdoor pool & spa, fitness center, sauna, multi-purpose ballroom, media room, library, and card and billiards rooms available to enjoy year round, yoga classes, tai-chi classes, water aerobics, bridge class, bocce, scrabble, games, computer class, music & performing arts club, art and crafts, ballroom dancing, theater, travel clubs, mah jongg, Canasta,  book club, poker club, weekly events and much more! Gated entry with 24-hour controlled access for privacy. St Lucie West is the location of the New York Mets spring training program. The community is conveniently located, minutes away from theaters, houses of worship, great restaurants, movie theaters, post offices and hospitals.  Contact local Cascades community real estate specialists Carlos J. Gil and Millie Gil for a complimentary tour of your dream home.  Your best investment opportunity is at The Cascades! Short Sales, Foreclosures and Rental available.  Single family homes priced as low as $129,700

Having the right real estate agent means having an agent who is committed to helping you buy, sell or rent  your home with the highest level of expertise in your local market. This commitment level has helped Bold Real Estate Group build a remarkable track record of delivering results.

Whether you are an experienced investor or a first time buyer,  Bold Real Estate Group can help you in finding the property of your dreams. Please feel free to browse our website or let us guide you every step of the way by calling or e-mailing Bold Real Estate Group to set up an appointment today.  Take a minute and browse our website, we’re sure you’ll find the right fit.  Rent or Buy and experience the lifestyle you deserve.

Concierge Real Estate Services: Bold Real Estate Group will provide concierge services including set up of excursions and area information.
  
Dining and Shopping: Residents will find an enticing selection of restaurants in the area, ranging from light meals and fast food to gourmet dining. Nearby shopping venues include mainstream consumer retail outlets, shopping mall and specialty boutiques.
Health Care: Three nearby hospitals, Lawnwood Regional Medical Center, St. Lucie Medical Center and Martin Memorial Health Systems provide complete modern medical care including 24-hour emergency services. Martin Memorial’s St. Lucie West Walk-In Clinic is located in the St. Lucie West area.

Senior Care Options:  Port St. Lucie area – Abingdon at Tradition, Vero Beach area – The Lakes at Pointe West,  Melbourne area  – Viera Retirement at Watersong,  Myrtle Beach area – Brightwater

 

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52 results returned
397 W Breezy Point Loop
Price: $109,900
2 Bedrooms
2 Full Baths
Listing ID# R3248671
(Mapped)
Price: $109,900
Home showing signs of a mild case of defective drywall. Never lived in. original owner, purchased in …
MLS# R3248671
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $121,900
Very well maintained 2/2/2 with den/3rd bedroom in the 55+ community of The Cascades. Screened lanai …
MLS# R3176951
Bedrooms: 3
Bathrooms: 2
Square Ft: 1526
(Mapped)
Price: $129,900
WATERFORD MODEL LOCATED IN UPSCALE 55+COMMUNITY HOME FEATURES GRANITE COUNT …
MLS# R3204542
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $129,900
Pristine home on prime corner lot with lovely extended lanai plus great landscaping. Popular 3BR or …
MLS# R3227992
Bedrooms: 3
Bathrooms: 2
Square Ft: 1526
(Mapped)
Price: $135,000
this is a beutiful lalique model. the 3rd bedroom is set up as a den. upgrades on this home include …
MLS# R2915531
Bedrooms: 3
Bathrooms: 2
Square Ft: 1507
(Mapped)
Price: $137,500
This is a PRE-APPROVED short sale. 1 Lender. Beautiful true 3 bedroom, 2 bath home in The Cascades f …
MLS# R3215818
Bedrooms: 3
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $144,900
Cascades Two Bedroom, Two Bath Single Family Home You are not only buying a home but a lifestyle …
MLS# R3257623
Bedrooms: 2
Bathrooms: 2
Square Ft: 1311
(Mapped)
Price: $148,900
Quiet cul-de-sac location, great garden & lake views, ideal SE rear exposure, tiled & screened patio …
MLS# R3228341
Bedrooms: 3
Bathrooms: 2
Square Ft: 1526
(Mapped)
Price: $149,000
THIS IS NOT A SHORT SALE!! BEAUTIFUL 2CG/3 BDRM 2/BTH SINGLE FAMILY HOME WI …
MLS# R3251506
Bedrooms: 3
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $154,900
Enjoy nature from this great cul-de-sac location with private and peaceful preserve views, large ext …
MLS# R3254566
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
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The content relating to real estate for sale on this web site comes in part from the IDX program of the Regional Multiple Listing Service, Inc. Listing content is © 2012 Palm Beach Regional. This information is not verified for authenticity or accuracy and is not guaranteed. The information provided is for consumers. personal, non-commercial use and may not be used for any purpose other than to identify prospective properties for purchasing. This information was last updated as of date specified below. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available. Please contact Bold Real Estate Group directly for additional information pertaining to the status and availability of properties displayed on this website. Data last updated Tuesday, April 3rd, 2012.

Data services provided by IDX Broker

 

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About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

Servicing:  Port St. Lucie, Palm City, Jensen Beach, Stuart, Vero Beach,  Hutchinson Island, Fort Pierce,  Palm Beach, Jacksonville, Jacksonville Beach, Ponte Vedra Beach, Palm Coast, Neptune Beach, Amelia Island, Atlantic Beach, Fernandina Beach, Saint Johns, Saint Augustine, Daytona Beach, Fleming Island and New York real estate.

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest

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Selecting The Right Retirement Community.

10 Oct

Selecting The Right Retirement Community.  More and more people are choosing to move to a retirement community. The very first thing you need to take into consideration is where you want your retirement community to be located. You could choose from an urban environment or a country setting but understanding what your particular needs are – now and in the future plays a big part in which retirement community you should move to.

Many people like to be close to where they live now, just a little further out.  But some like to move to the city where there are more sights and accessibility.

If you have children, you might also want to consider a location that is near to them so you can more easily spend time with them and with your grandchildren.  In addition, if you have special medical needs, you might want to choose a community that is near to certain medical facilities.  Or, if you are interested in pursuing educational interests that you never had the time for before retirement, a college community might be the best location for you.

Know Your Needs and Desires

Not all retirement communities are the same, so you need to have a clear idea of what you need and what you want in a retirement community.  First, some retirement communities are set up like apartments, while others utilize manufactured homes, RVs, townhomes and single family homes.  Therefore, you will first need to make a decision regarding which of these building styles is most desirable to you. If you are looking for a little more privacy and ease of access, a retirement community made of manufactured homes or single family homes may be the best option for you.

Be sure to consider your hobbies as well.  In that way, you can select a retirement community that will make it easier for you to pursue those hobbies.  For example, if you enjoy golfing, you might want to find a retirement community that is on a golf course. If you like fishing, then a community near the lake is ideal. If you want to be able to have most of your needs met within the retirement community, you might want to seek out a resort-type community.  On the other hand, if you might occasionally need some assistance with your basic living needs, you might want to consider an active adult community that also offers basic assisted living services.

Once you have your choices narrowed down, contact the retirement communities you are considering and ask for more information.  They will likely send you a packet filled with information that you can browse through.

In many cases, the retirement community will also offer a visitor’s program or a vacation getaway program that will allow you to take a tour of the property or stay overnight. This will help you get a better idea of whether or not the community is right for you.

And remember, before selecting any retirement community try getting a second opinion from a relative or friend. Often, we fall in love with what we want, blocking out any negative aspects. Another opinion offers you advice that you may never have thought of.

About the Author:  Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of new and resale homes:  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com a Golf Style Private Community,  www.TheCascadesAtStLucieWest.com  a 55+ Resort Lifestyle Community, www.HealthcareRelocationServices.com

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Featured 55+ Lifestyle Community in Port St. Lucie

17 Sep

Featured Florida 55+ Lifestyle Community in Port St. Lucie
 

The Cascades at St Lucie West is a premier resort lifestyle community featuring Mediterranean-style architecture and beautifully manicured grounds. The Cascades offers it’s own 9-hole golf course, 10 lighted Har-Tru Tennis Courts, a  26,000 sq.ft. Clubhouse, outdoor pool & spa, fitness center, sauna, multi-purpose ballroom, media room, library,  card and billiards rooms available to enjoy year round, yoga classes, tai-chi classes, water aerobics, bridge class, bocce, scrabble, games, computer class, music & performing arts club, art and crafts, ballroom dancing, theater, travel clubs, mah jongg, Canasta,  book club, poker club, weekly events and much more! Gated entry with 24-hour controlled access for privacy. St Lucie West is the location of the New York Mets spring training program. The community is conveniently located, minutes away from theaters, houses of worship, great restaurants, movie theaters, post offices and hospitals. Your best investment opportunity is at The Cascades! Short Sales, Foreclosures and Rentals available. Single family homes priced as low as $134,900

 

Whether you are an experienced investor or a first time buyer, we can help you in finding the property of your dreams. Please feel free to browse our website or let us guide you every step of the way by calling or e-mailing Bold Real Estate Group to set up an appointment today.

 

Concierge Service: Bold Real Estate Group will provide concierge services including set up of excursions and area information.

  

Dining and Shopping: Residents will find an enticing selection of restaurants in the area, ranging from light meals and fast food to gourmet dining. Nearby shopping venues include mainstream consumer retail outlets, shopping mall and specialty boutiques.

 

Health Care: Three nearby hospitals, Lawnwood Regional Medical Center, St. Lucie Medical Center and Martin Memorial Health Systems provide complete modern medical care including 24-hour emergency services. Martin Memorial’s St. Lucie West Walk-In Clinic is located in the St. Lucie West area.

The Importance of Home Inspection
Home inspection is one of the most important aspects of the home buying process for both the buyer (helping them understand the condition of the house they’re considering purchasing) and the seller, who wants to provide adequate disclosure regarding the home they’re selling. The inspection report written up by the home inspector after the inspection is the only document that details the house, making it an important aspect of the real estate transaction process. A home inspection typically includes an examination of the heating and central air conditioning systems, electrical systems, interior plumbing, the roof and foundations, attic and basements, visible insulation, walls and ceilings, floors and windows. Some inspections may also include major appliances and outdoor plumbing. The typical cost of an inspection varies depending on the area, size of the home, and services the inspector is providing.

 

If you’re selling your home, it’s good idea to have an inspection done before you put your home on the market. This will help you avoid any surprises when potential buyers hire a home inspector. After the report from the home inspection, you may choose to have the recommended repairs taken care of by the contractor of your choice, or you may choose to disclose the conditions you are not going to repair, which will protect you from liability of nondisclosure claims.

 

If you’re buying a home, be present for the full home inspection. The inspector will be able to answer any questions you may have about maintenance of the house and will be able to discuss any potential problems.  If the inspector finds any major problems, you’ll need to negotiate with the seller to either lower the price of the home or have the seller repair the problem. If the seller is not willing to renegotiate, the buyer will then have the opportunity to rescind their offer.

Inexpensive Ways to Improve the Value of Your Home
Making small improvements to your home can really add up… it doesn’t take a massive renovation project to help improve the value of your home. Simply improving aspects of your house can really make a difference.  It is a good idea to start with your house’s exterior. This means getting rid of all the toys your kids haven’t played with in months, the remnants of your various home improvement projects, and anything else that is just cluttering up your yard. Trim the hedges, keep the lawn mowed, and give all your flower beds a fresh layer of mulch. A polished landscape, even if it’s simple, will instantly  improve your house’s curb appeal, and the value of your home. To shine up the exterior of your house even more, get it pressure washed. This is much cheaper than getting your home repainted or the siding replaced, and in many cases this is all it will take to get your home’s exterior looking as good as new.

 

When considering ways to improve the value of your home, think about your last visit to a hotel. If you were happy about the quality of your room, was it because it looked clean and polished? If you weren’t happy with your room, was it because you felt like the bathroom could have been a little cleaner, the carpet could have seemed a little newer, the paint on the walls could have been a little fresher? While you’re in that mindset, try and see your house in the same light, armed with the knowledge that the cleaner your house looks and smells, the more valuable it will be. Start by organizing your house and relegating clutter to the trash or some out-of-sight storage. The tidier your house is, the larger it will appear, so declutter as much as possible. Apply a fresh coat of paint to your interior walls and wash your windows so you can’t even tell they’re there.

 

Finally, remember that improving the value of your home is all in the details, but it shouldn’t have to break the bank. Shampooing or cleaning your carpets will make your house look and smell cleaner immediately, and doing this yourself will save you big bucks. You’d be surprised by how much better newly cleaned carpets can look! If you think the carpet needs to be replaced, first try to pull back a bit of the carpet in a closet or other inconspicuous place in your home and check out the floor beneath. If it’s wood flooring, think about removing all of the carpet and refinishing the floor. Wood floor adds personality and value to your home, and wood floor that’s lying under your aged carpet can often be refinished more inexpensively than re-carpeting your house. In the same way, worn or outdated cabinets can really bring down a kitchen, so consider refinishing them with a lighter finish, especially in dark or smaller kitchens, as this will give your kitchen the illusion of looking large and new.

Your Family’s First Night in Your New Home
Your first night in your new house is an exciting time, but it can be a little overwhelming. Standing in the middle of your new home and looking at the stacks of boxes can tempt you to stay up all night unpacking them until morning, but avoid it. Instead, gather your family, make some pallets on the floor using mattresses and sleeping bags, and enjoy your first night in your new house together. Order some pizza (have fun saying your new address for the first time!), eat on napkins, and use plastic cups, treating it like an in impromptu picnic/campout. You may even invite some friends over, crack open a bottle of wine, and let them share in your pride and excitement.

 

Talking about what changes you’re going to make to your new house is a fun activity for your first night in your new house. If you have children, ask them what colors they’d like to paint their rooms, what direction they’d like their bed to face, and any other aspects of their room they might like to change. Children love having this kind of creative freedom. If unpacking is just a little too tempting, make a game plan to give yourself peace of mind. Write a checklist and plan of action of what rooms you will unpack first and what furniture you’d like to move where. Moving can be emotionally and physically exhausting, and you want to spend your first night in your new house soaking it all in… you’ll have plenty of time to unpack later.

Buyers’ Agents- Who Are They, What Do They Do?
If you think the home buying process itself is the most important part of finding your perfect home, think again. According to Money Magazine, “Choosing a real estate agent to represent your interests as a buyer should be one of the first, and perhaps one of the most important, step buyers should take before shopping for a home.” When you’re looking to buy a new home, it’s important to have a buyers’ agent-– someone who will represent your interests as the buyer, just as someone looking to sell their home should hire a sellers’ agent to represent their unique interests. The goal of the buyers’ agent is to help you find the home of your dreams, whether it’s a condo, a bungalow, a modest 2 story, or a mansion. And once they’ve found it, they’ll work aggressively to help you get the best price and the most fair contract negotiation.

 

Sixty-three percent of homes purchased in the United States each year were purchased with the help of a buying agent. Buyers’ agents save clients time and money, and conveniently are able to access properties that aren’t yet available on the open market. Because of this, they’re often able to help their clients buy houses for substantially less than they would be able to if they worked with a real estate agent, home owner, or developer directly. Buying agents often specialize in working in a specific area, where knowledge of the area, relationships with locals and real estate agents, and inside information about properties soon to be on the market pay off. The services provided to buyers by their buying agent are actually included in the commission paid by the seller or developer. Using a buying agent won’t affect the price of your home or cost you any additional money, but they do provide buyers with the peace of mind of knowing that they’re being represented along every step of the way in their real estate transaction.

 

Research has shown that buyers using a buyers’ agent found their home faster than those who did not, so choosing to enlist the help of a buying agent will help make the home buying process quick, easy, and fun– just the way it should be. After all, you shouldn’t have the journey toward finding your new home riddled with frustration and dead ends. The buyers’ agent will also help you locate the other professionals you may need as part of your home purchase, like a lawyer, home inspector, insurance agent, etc. Enlist the help of a buyers’ agent who will preview properties, shortlist the finalists, and accompany clients to view homes, and you’ll reap the benefits of having an agent represent your interests every step of the way.

Could That Must Odor Mean Leaks In Your Home.

12 Sep

Could That Must Odor Mean Leaks In Your Home. It doesn’t matter if your home is old or new, a basement can become damp and musty due to cracks in walls, humidity, and condensation. Visible cracks aren’t as easy to repair as problems with condensation and basement humidity, but you may be able to find and repair the source of basement dampness yourself – if the cause of the dampness and musty odor isn’t too serious. Even minor cracks are easy to repair.

A musty odor might only be noticed during certain times of the year. The odors usually go unnoticed during the winter when the furnace is running and might not be apparent during the summer months when the air conditioning is pulling humidity out of the home. A musty odor coming from the basement is most often noticed in spring and fall when utilities aren’t running and the windows are closed.

The first step is to find the source of dampness creating the musty odor but keep in mind there may be more than one source of dampness that could be causing the odor.

Condensation

Basement pipes can become covered in condensation especially during summer months. The condensation builds on cold water pipes until it runs down the pipes or drips onto the basement floor. Cold water pipes covered in condensation can definitely create a musty odor in the basement.  The best way to prevent and control musty basement odors caused by cold water pipes is to cover the pipes with an insulated pipe wrap.

Humidity

A humid basement, even without the appearance of obvious dampness, can cause a musty odor. If there doesn’t appear to be leaks in your basement try operating a dehumidifier. Most basements hold a lot of humidity anyway so consider attaching a hose to the dehumidifier and allow the excess moisture to drain into a working sump pump pit or a basement drain.

Leaking Pipes

What may appear to be condensation could in fact be a leaky basement water pipe.  Wipe condensation from water pipes and check pipe seams for slow leaks. You may only need epoxy compound to repair a slowly leaking pipe, however, if you suspect any leaks at all, call a plumber to inspect the problem.

Cracks

Cracks in concrete or cinder block basement walls aren’t uncommon. Even newer homes can develop cracks in basement walls that sometimes begin to leak. The leaks cause dampness which naturally creates a musty odor, but don’t panic if your basement wall has developed a crack. A restoration specialist may be able to patch it successfully and easily from the inside and patching a crack in a basement wall isn’t as difficult as you would think. The success of the patch will depend on whether or not the crack is active; an active crack will continue to widen and spread.

Ignoring the problem will not make it go away. Any suspected leaks or cracks should be investigated and patched before the problem worsens.

About the Author:  Millie Gil has been a successful Florida Licensed Real Estate agent for over 25 years.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For real estate service and information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

Are you sure you want to do a debt consolidation

6 Sep

Are you sure you want to do a debt consolidation.   Do you have more than $10,000 in unsecured credit card debt?  Perhaps you also have more than $ 30,000 to $50,000 in secured debt such as cars, boats, recreational vehicle to name just a few. On top of that you have your mortgage payment and student loans. Are you thinking it’s time to do a debt consolidation loan?  This article will give you some ideas which may help you make your decision.

One of the most stressful events in your life and your family’s life is finding yourself buried in debt. Recent studies have shown that more than 60% of divorces filed are caused by a crippling debt situation. In many of the cases the stress has led to domestic violence or worse.

Because of these financial problems many marriage councilors have referring their clients to professional financial debt consolidation councilors. Hopefully, by doing so those couples will have a cooling off period before the final decision is made on a divorce.

One of the things a professional debt councilor will do is compile a complete analysis on every bit of your financial obligations. Your responsibility will be to ensure you provide them with every single detail about the money you owe. There is a good chance they will even want a complete breakdown of every penny you spend and where.

Don’t be surprised when your councilor keeps digging and digging until they have every scrap of information they can drag from you. Once your debt loan consolidation councilor has that, they will then do a calculation of the total debt with interest. Finally they will compare what your total repayment will be; verses a consolidation loan of all the money you owe.

In certain cases after the full evaluation of your debt problems your advisor may determine that a consolidation loan won’t do you any good. This involves taking into consideration your ability to repay all your debts, plus the accumulated interest.

This being the case your councilor may well recommend bankruptcy in lieu of loan consolidation.

However, in the event they feel you are candidates for a complete consolidation of your cash obligations, that that is when the real work starts. Either you or your councilor will contact all of your debtors to determine what the pay off amount and how long they are going to allow to you to pay it off. By doing this you will know to the penny how much of a loan you will need.

Don’t be surprised if the credit card companies offer to lower your interest rate. It’s much better for them if you don’t repay the bill in full. It also will give you a bit of an opportunity, to be able to keep the credit card, at a much lower interest rate.

If you should decide to work with the credit card companies, in lieu of consolidating your money problems, you need to do your due diligence. Make certain you have the deal they offer you in writing and you know precisely what it means. If not you could be in worse trouble than when you started.

As you can see there is much to be considered before you make the final decision about how you are going to solve your current money obligations. A debt loan consolidation may take care of it now, but what happens down the road if you haven’t learned how to control your debt responsibly.

View thousands of real estate listings:  www.Northeast-Florida-Relocation.com www.BoldRealEstateGroup.com www.NewYork-Florida-RealEstate.com www.PGAVillage-Homes.com www.TheCascadesAtStLucieWest.com  www.HealthcareRelocationServices.com

Preparing Home for the Elderly

29 Aug

Preparing Home for the Elderly. Preparing your home for elderly family members and guests will help you avoid costly hazards and many modifications to your home will increase the market value. While there are a few additions you’ll have to scrutinize for budget-busting construction cost, preparing your home for the elderly can also be very budget friendly.

Any changes or minor improvements you make to your house on their behalf now can help you “age in place” and live more independently as the years go by. But don’t succumb to major transformations as its really not necessary; any general construction can be traumatic; a myriad of decisions, contractors, delays, and of course finances to fund these changes can turn a simple project into a complicated subject. A few practical considerations to eliminate a hazardous environment is all you need.

Keep in mind, there are elements that any elderly individual can benefit from and then there are over-the-top traps that contractors will have you consider but you won’t necessarily need. We’ve compiled a list of items you can embrace without spending a dime and then a few others that still won’t break the bank.

Here are some tips on necessary modifications for the elderly.

1.    Check the paths to and from your home to ensure there are no hazards waiting to trip on. Falls are the number-one cause of injury to elderly people. Check sidewalk cracks, loose steps and shaky railings. And all of these things can easily be remedied by visiting your local neighborhood hardware store. Can a walker or wheelchair easily fit through your door? Also, examine chair legs and stairs and remove throw rugs during your elderly visitor’s stay.

2.    Give extra attention to the bathroom, where most falls occur. Porcelain is unforgiving to elderly bodies so replace no-slip mats inside the bath and shower if they’re loose. Check that bath mats or rugs outside the bath/shower area to make sure they have non-skid backing. You can purchase grab bars for inside the bath and shower for as little as $50, but check that the label states the bar meets the Americans with Disabilities Act guidelines for safety.

3.    Review your lighting in stairways and hallways, two very dangerous areas for aging eyes.

4.    Take into consideration any mobility limits your elderly guest may have and plan ahead. Be sure their room is close to a bathroom. If they use a wheelchair or walker, the doorways to their room and the bathroom should be wide enough. Rather than remodeling door frames, some experts suggest installing doors with swing-clear hinges, which can add an extra inch or two of space.

A good plan can help transform any home into an elderly-friendly homestead without hiring expensive contractors.  You know what works best in any home?  Less is more and it’s better because it always eliminates vulnerability.

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

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What’s Your Game Plan For Buying A Home?

29 Aug

What’s Your Game Plan for Buying a Home?  Most home buyers don’t have a stash of cash waiting nearby to buy a home without a mortgage.  So to figure out what price you can pay for a home, you need to find out what size loan you will qualify for.  The mortgage prequalification is an introduction to the loan qualification process that involves a brief, informal meeting with a loan agent or broker to establish what size loan a lender is likely to give you.  This loan amount, plus the cash you have for a down payment and closing costs, will determine what price home you can afford.  You should get yourself pre-qualified before you start looking at property.  This saves time and avoids the frustration of looking at homes that are way out of your price range.

Make an appointment for a pre-qualification interview and be prepared to discuss the intimate details of your financial situation.  Take information with you about your income, length of time at your job, assets and debts.  Be completely candid with the loan agent.

Lenders can be sticklers for good credit, so the mortgage broker will want to run a credit check on you.  Many people are more inclined to wait until they are about to lock into a contract to have their credit checked, but it is better to know in advance if there is anything on your credit record that could prevent you from being approved.  Additionally, the loan agent will be able to advise you what to clean up on your credit record if needed.  Or, he/she may be able to direct you to a lender who may be willing to give you a loan even though your credit report has some blemishes.

Ask the loan agent or broker to write a pre-qualification letter indicating that you have been pre-qualified for a loan.  Sellers are very receptive to offers from buyers who have a pre-qualification letter from a lender or mortgage broker.  This can work in your favor if there are other buyers bidding against you for the property.

What’s your ideal price range?

Most buyers have a notion of how much they would like to spend per month for a home.  This amount is often based on what they are currently paying for rent.  Although it is not wise to stretch yourself too think where finances are concerned, you should take the tax advantages of home ownership into account when determining your ideal price range. Considering the tax savings, you can probably afford to pay about 25 percent more for a home than you might think you can.

Suppose you want to pay no more than $1,100. per month for a home.  This must cover the cost of your principal and interest, property taxes and hazard insurance.  Property taxes and insurance vary from one location to the next.

Here’s an Example to figure out your payment: If your property taxes and insurance make up about 15 percent of your PITI (principal, interest, taxes and insurance).  If you subtract 15 percent ($165.) from $1,100, this leaves you with $935. per month to use for a mortgage payment.  If you get an adjustable rate mortgage with a starting rate of 7.5 percent, $935 per month will buy you a loan in the amount of approximately $133,750.  If you have enough cash for a 10 percent cash down payment, your budget will allow you to buy a home for approximately $149,000.

The limit to your ideal price will be determined by the maximum home price you can qualify for as determined by lender underwriting guidelines. Even when approved, many buyers will choose to pay less than the maximum they can afford.  Establishing your ideal price is a personal decision that will depend on various factors.  Your present and anticipated income stream is one important consideration.  If your income is rising rapidly, you may want to stretch and buy a more expensive home now rather than have to move again soon.

Other considerations are: Do you have any long-term debts you have to pay off?  Do you have enough cash reserves to take care of an unanticipated crisis, as well as predictable home maintenance expenses?  How much disposable income do you have?

Some prospective home buyers find it useful to prepare a financial statement and monthly operating expense budget.  This will help you determine just how much cash it takes for you to survive each month.

Figuring out where home ownership fits into your long-range financial plan can be complicated.  If the decision making process seems baffling, consult your realtor to discuss your options.  It will be well worth the headache to become prepared before diving head first into the home buying process.

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

Home | Homes For Sale | Homes Short Sale | Search Foreclosures | Open House | Homes For Rent | Renter’s Insurance | Cascades Resources | Cascades Events | Community Tour | Home Virtual Tour | Driving Directions | Cascades Q & A | Cascades Floorplans | Cascades HOA | Community News | Community Providers | Cascades BLOG | Sign-up for a Tour! | Buyer’s Resources | Dream Home Finder | Search MLS | Home Inspection | Home Warranty | Florida Relocation | Property Taxes | Tax Estimator | Insurance Quote | Buy A Short Sale | Seller’s Resource | Market Analysis | Short Sale Inquiry | Our Commitment | Outbound Relocation | Sold Homes Report | Jobs Opportunity | Senior Care Living | Workforce50.com | Retired Brains | Tradition | The Vineyards | Kings Isle 55 Plus | Magnolia Lakes | Sawgrass Lakes | Lake Forest | Lake Charles | Tesoro Homes | The Club SLW | Belmont SLW | Country Club Estates | Lakes At SLW | Viscaya Falls | PGA Village | Verano PGA | Seasons 55 Plus | Tampa Homes | Ocala Homes | Naples Homes | Fort Myers Homes | Jacksonville Homes | Ponte Vedra Homes | Orlando Homes | New Developments | Discovery Tours | Costa Rica Homes | Real Estate Glossary | Golf Course Finder | FREE Moving Quote | Market eNewsletter | Currency Converter | FREE Credit Score | Airport & Flights | About St. Lucie West | Connect Utilities | Global News | Books WebStore | Retirement Homes By State | Local Hospitals | Dining Guide | St. Lucie County Profile | New Developments | Cost of Living Data | Taxes by State | For Buyers | For Sellers | Homeowners | Mortgage Calculator | Mortgage Rates | Loan Quote | Get Pre-Approved | Mortgage Articles | Lending Sources | St. Lucie County | Martin County | Palm Beach County | Indian River | Broward County | Brevard County | Okeechobee County | Miami-Dade County | Referral Network | Real Estate Career | Real Estate School | Guest Bloggers | Contact Us | Testimonials | About Us | Our Blog | About Florida | Se Habla Español | Why Use A REALTOR® | North Florida Homes | Privacy Policy | Florida New Developments

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