Tag Archives: home buying

A Step By Step Guide To Buying A Home by Bold Real Estate Group

10 May

A Step By Step Guide To Buying A Home by Bold Real Estate Group

Do you ever wonder if homeownership is right for you?  Well, let me ask you this;  do you dream about doing your own yard work, home repairs, puttering around in the garage.  If so, then homeownership may be for you.  No one really dreams about paying a monthly mortgage, property taxes, insurance etc.  But actually being a homeowner definitely makes those things very well worth it.

This is your opportunity to have the American Dream of owning your own home.  Putting down roots and starting a family or expanding your current family.  However, the home buying process can seem a bit overwhelming, especially if you have never bought a home before.

Here is a step by step guide to help you in your home buying  journey.

1.  Talk to Millie an experienced Realtor who will help you learn what you need to know about the home buying process.
2.  Decide if you want to keep renting or if you are ready to buy
3.  Check your credit and begin improving your credit score
4.  Make a budget and determine exactly how much you can afford to spend on your new home.  Don’t forget that there will be closing costs and other associated fees in addition to the purchase price of your new home
5.  Study the different types of mortgages and how they work and then decide which one is right for you
6.  Think about where you want to live.  What location is best for you and your family
7.  Do you want to buy a conventional home, a foreclosure, a fixer-upper etc.
8.  You will also need to decide on a mortgage company, home inspector and possibly a real estate attorney or a financial advisor depending on your situation
9.  Research the area you have decided to buy a home.  Drive through the neighborhood at varying hours, check the current prices of the available homes and notate their condition.
10.  Check the crime statistics for that neighborhood
11.  Does the neighborhood have the conveniences you are going to need, such as child care, your bank, your favorite grocery stores and restaurants etc.
12.  How far is your chosen area from where you work now and where you may potentially be working in the future?
13.  Talk to your chosen realtor about supplying you with some home listings that meet your specified criteria
14.  Once you have looked through the home listings, let Millie know which ones you would like to look at
15.  After you have chosen a house, your realtor will help you submit an offer
16.  Be prepared to negotiate the deal
17.  After your offer has been approved, you will need to set up a home inspection
18.  You will now need to get your mortgage loan approved
19.  Set a closing date and then close on your new home
20.  Now all you have to do is get moved and enjoy the home of your dreams

This seems like a lot to go through and it is;  but all you have to do is call Millie and let her do the rest.  Millie  will walk you through each and every step  of the home buying process and let you know exactly what to do and when.  So don’t sweat the details and stay in close communication with Millie and they will make sure things go as smoothly as possible every step of the way!

About the Author:  Millie Gil has been a successful Licensed Realtor 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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20 Mar

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Located in the heart of Florida’s Treasure Coast and St. Lucie West, PGA Village Golf  & Country Club features nine distinctive upscale neighborhoods situated for privacy with scenic panoramic water and golf course views. The community offers a mix of new and pre-owned one or two-story magnificient Single Family Homes and furnished Townhomes, Villas & Condominiums for sale or rent.

Tips to get  your home sold.  Do you know what your homes “Hot Buttons” are?  We all know that location plays an important role in the sale of a home but there are several things that your home may have that you are not highlighting.

Here are a few things that you may not have thought of that you can use as “Hot Buttons” to help get your home sold more quickly.

• Everyone has their favorite places that they frequent – convenience places – such as the neighborhood Walmart, Costco, Home Depot or the closest Daycare Center  etc.  So make sure that you let your realtor know about the things that people may be looking for and ask your realtor to include them in all of the print material

• Is your home within walking distance to any neighborhood shopping districts?  The ones with the highly sought after hang outs like Starbucks etc.  Walk “Scores” are a huge part of a buyers decision as to whether they will buy a home or not.

• Bookshelves, nooks and storage spaces are also big time necessities for most people.  Especially for apartment dwellers that are bursting at the seams due to the lack of these things.  So make sure you let your realtor know about each of these spaces that could be a huge selling point for many people.  Additionally, you are going to want to do everything possible to highlight these spaces with decor that will show off that particular use of space.

• Is your home dark?  Consider removing the curtains or that old shade.  This will make the space look lighter and brighter in the eyes of a buyer.  A light, bright space has a positive emotional impact on people when they walk into a room so do everything you can to lighten your dark spaces with as much natural light as possible.

• Do you have a patio, deck, back yard or porch of any kind?  Many buyers, especially people who have been living in an apartment and have not had the pleasure of having an outdoor living space, will have those things on their list of must haves.  So if you have an outdoor living space, it would benefit you greatly to stage those areas.  Accent them and make them as appealing as possible to your potential buyer.  You want to have your potential buyer envisioning themselves using those spaces on a daily basis.  Sometimes if your outdoor spaces are extremely desirable, the buyer will overlook some imperfections on the inside just because the outdoor spaces are everything they have ever wanted.  A well staged outdoor space can also bring in higher offers.

• Let your potential buyers know if there is anything that you would be willing to leave in the house.  Such as the refrigerator, washer, dryer, a patio set etc.  These are the items that are hard to move and many people do not have one of their own and on moving day the last thing your buyer wants to think about is having to go out and purchase an appliance just to be able to live in their new home.

Talk to your realtor about all of the little things you can do to get your home sold quickly and for top dollar.  Your realtor has been doing this for years and will have many tricks up their sleeves so take advantage of all that experience and let them do everything they can to help you sell your home!

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

Things To Check Before Moving Into A Neighborhood

20 Mar

PGA Village Port St. Lucie  4 Bedrooms, 4 Baths Plus Den, 3 Car Garage, Golf View
  Contact Bold Real Estate Group for complimentary tour (772) 224-1634

Things To Check Before Moving Into A Neighborhood.  Buying a home is a very exciting time but you need to be diligent and do your research very thoroughly.  You may be spending the rest of your life living in this neighborhood.  Doesn’t it make sense to spend a significant amount of time checking it out first?  Here are a few things you must check before signing on the dotted line.

1.  Check The Crime Stats – Don’t assume you know whether or not it is a good neighborhood.  Check the sex offender registry.  Google your address – you may find out that your house was once a meth lab or worse.  Check the crime maps for the area, you may be very surprised at what you find.

2.  How Recession Proof Is The Neighborhood – Is the neighborhood in good proximity to job opportunities.  Is it an area that has a multitude of subprime loans that could result in default and leave the neighborhood with a huge supply and no demand.  Look for a more than normal amount of “For Sale” signs or foreclosure notices on the windows.  Check to see if all of the homes for sale in the area all have major price reductions or if it costs less to buy than to rent.  All of these are good indicators that this is a pretty hard hit area and you may need to think twice.  However, on the same note, you will find some great deals here as well.  So if you are in it for the long haul you should be alright.  You just don’t want to get stuck in an upside down home if you end up needing to sell quickly.

3.  Does The Area Match Your Needs – Does the neighborhood have the types of things your enjoy, such as your hobbies, hot spots you like to frequent, parks and recreation, your favorite restaurants.

4.  Does The Area Have Your Necessities – Are your favorite grocery stores available or how far would you have to drive to get to them.  Is daycare close by.  What about the gym and the nail salon etc.

5.  Check The Neighborhood At Different Times Of The Day And Night – This is probably up there with one of the most important things you need to check.  Sometimes a neighborhood will look perfectly normal during the day; however, a drive through during the night exposes a whole other element that you would definitely not want to live around.

These are just a few things that you need to check now and again before you sign your mortgage paperwork because neighborhood dynamics can change quickly and frequently.  The very best way to help avoid a big mistake is to talk to your realtor.  Your realtor has access to all of this information at their fingertips and they would be more than happy to help you get your ducks in a row before you commit to one of the biggest decisions of your life.

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

Do You Really Need A Real Estate Agent?

9 Feb

Do You Really Need A Real Estate Agent?  The short answer is no, but why wouldn’t you want to?  There are so many anxieties that come with buying a home, whether you are a first time home buyer or someone that has purchased several homes in your lifetime.  It doesn’t matter; the stresses and anxieties will always be there.  However, your realtor goes through this process on a daily basis, often times many times each day.  So what does this mean for you?

Let’s look at what your Realtor can do to make everything much easier for you from start to finish.

1.  Your Realtor can help you determine what price range of homes you can afford

2.  Your Realtor can customize your home search for you – how many bedrooms do you want, how many baths,  find you the perfect location, help keep you out unsavory areas

3.  Your Realtor could potentially save you thousands of dollars just by using their expertise and knowing all of the ins and outs that will save you money – this is priceless

4.  Your Realtor will arrange for you to view as many homes as you would like and will then encourage you to look at the home of your choice several times at different times of the day even after your final decision to make sure that you are completely comfortable with your selection

5.  Your Realtor will save you time.  Most people are very busy and do not have time to spend on walking through countless open houses that may not even fit their criteria or to spend countless hours scouring the internet

6.  Your Realtor has access to many lenders and will know who to send you to to help you get your pre-approval and then to get you the best possible deal from an easier to work with lender to one that will go to the ends of the earth to get you approved and one that will get you a great interest rate

7.  Your Realtor is a professional real estate agent, which you are probably not, so this alone will give you an advantage because your realtor knows your neighborhood, the schools, the builders, and knows how to negotiate on your behalf

Buying a home is probably the biggest investment you will make in your lifetime so why would you leave this process to chance.  This decision is one that will affect you for many years so you want to make sure that you have an expert on your side.  Someone that knows you, has a relationship with you, cares about you and one that will help you through the entire process every step of the way.

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

Serving Locally and Globally.  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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Unique Ways To Fund Your Downpayment

12 Jan

Unique Ways To Fund Your Downpayment

One of the biggest concerns many people have when it comes to buying a home is coming up with the down payment.  Or perhaps coming up with a down payment that is large enough to lower their monthly payment.   These are very legitimate concerns ; therefore, we have come up with some unique ways to help you afford your down payment.

1.  The most popular(and maybe not so unique) is to dip into your savings account

2.  Hit up some of your friends – who knows what kind of money they have lying around

3.  Ask all of your relatives – if all of your relatives can give a little, perhaps you can reciprocate the next time they need a favor

4.  Check with your 401k administrator – in certain cases you can borrow some money from it without penalties

5.  Look at your entire portfolio – do you have stock proceeds you can use or maybe you could sell some stocks to beef up your down payment

6.  What assets to you have – do you have anything that you could sell to come up with that extra down payment

7.  Sometimes, depending on the lender , a co-signer might be an option

8.  Does your city offer any down payment subsidy programs – sometimes these subsidies are $5000 to $10,000 – this is free money – who doesn’t want free money.  This will also significantly lower your monthly payments as well

9.  Some banks still offer zero percent down – which means you have no down payment – these are usually reserved for first time home buyers with extremely good credit

10. Perhaps you might consider a lease with an option to buy

11.  Sometimes a seller is willing to fund part or all of your down payment just to get the deal – this is called a carry back mortgage – it will help the seller sell their home faster and help the buyer buy a home that they could not otherwise afford

12.  Talk to your lender about a second mortgage

There are many, many ways to fund your down payment.  Ask your realtor to help you come up with the options that will work best for you.  You might be surprised at just how well versed they are in helping buyers reach their down payment goals.  So use their experience to your advantage and don’t let a little thing like a down payment get in your way.

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 me build a remarkable track record of delivering results.

Nothing is more exciting to me than the gratifying feeling I get from helping people meet their real estate needs. You can count on me to always do what’s in your best interest. I pride myself on being honest, trustworthy, and knowledgeable in the real estate market. I know how important it is to find your dream home. Therefore I will make it my responsibility to help you achieve those goals.

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

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

Serving Locally and Globally.  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

How To Avoid Buyer’s Remorse

10 Jan

How To Avoid Buyer’s Remorse

The excitement of buying a new home is indescribable.  You spend all of your time going over all the details of each and every possible home  that is suitable for you.  Then you actually find a home that you just love.  After spending a great amount of time thinking about your dream home, you make an offer.   Then it happens, you get that call from your realtor –  your offer has been accepted.  All of a sudden the reality that you just bought a home hits you like a ton of bricks!

Buyers have different reactions the that “Oh My Gosh, I Just Bought A House” feeling and understandably so.  Buying a home is a BIG decision.  Many  people begin to have second thoughts about their decision.  Did I do the right thing?  Can I afford this?  What if something happens?  How much money did I just spend?  Can I come up with the down payment?  How much are the closing costs going to be?   Etc.

You feel like your life is going to be changed forever.  You think that you will never again be able to live the life that you currently have  – enjoying eating at a restaurant, going to the movies whenever you feel like it,  having a shopping spree.  You think your entertainment budget has been shot out the door!  Then you get the dreaded truth in lending statement and you see just exactly how much your mortgage including the interest will be over 30 years and you are shocked and dismayed.  You think “what have I done?”

Sit down and relax.  Millions of people buy new homes every day and get through it with no problems.  Don’t worry, what you are feeling is normal and you will be glad to know that it is temporary.   This too shall pass.   You will adjust your lifestyle and things will be back to normal before you know it.

Try to replace all of those negative feelings with positive ones like – imagining yourself sitting in your new home, enjoying your new life.  Picture how well your new home suits your family’s needs.    Think about all of the things that you will have in your new home that you don’t have in your current home.   Give it time, you will get the hang of it.

If you still have those “Buyers Blues” then call your realtor immediately.  Your real estate agent has years of experience helping their clients through the home buying process from start to finish and they will be more than happy to help you with anything you need.  So remember, these feelings are normal.  Then go relax and enjoy yourself.  Go and eat at your favorite restaurant or do a little shopping; whatever it takes to rid yourself of the buyers blues and before you know it you will be sitting in your new home wondering why you ever had any doubts!

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 me build a remarkable track record of delivering results.

Nothing is more exciting to me than the gratifying feeling I get from helping people meet their real estate needs. You can count on me to always do what’s in your best interest. I pride myself on being honest, trustworthy, and knowledgeable in the real estate market. I know how important it is to find your dream home. Therefore I will make it my responsibility to help you achieve those goals.

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

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

Buying a Budget Home by Bold Real Estate Group

25 Oct

Buying a Budget Home By Bold Real Estate Group.  When it comes to real estate, it’s really hard to beat an inexpensive home.  You may call it inexpensive while others refer to it as a cheap home – but they are very affordable and ideal for those on a budget.

These bare-bone types of homes represent a way to purchase property at a low price, build it up, and have instant equity.  Making money with real estate is easy to do – no matter how you look at it.

Although you can find cheap homes throughout your state, some will obviously be better than others.  Some are in great neighborhoods, giving you plenty to see and plenty to do all around you.  On the other hand, most towns that offer the cheapest homes normally have a bad situation when it comes to the job market.  They can be great to retire to or settle down in if you own a business, although they aren’t great if you need a job.  Internet marketers and writers are finding these areas, and are flocking to them at a very fast pace.

The Best Way to Purchase Low

You can save quite a bit of money by buying a home that is practically unfinished, but still fits your needs.  What this means, is buying a home in the inexpensive areas of your town, or buying a home that has not been completed yet.  You shouldn’t be focused on one type of home or neighborhood, but instead look at your available options and compare prices.

Many builders have gone out of business, leaving plenty of unfinished properties. Let your real estate agent investigate how to purchase these almost finished properties. You’ll save a bundle and can have the home completed within months.

Keep in mind that buying cheap homes doesn’t necessarily mean buying a rundown place or buying your home in a bad part of town.  You can get a cheap home in a great neighborhood, if you weigh your options accordingly.  If you shop around and look at different areas, you might find yourself very surprised at just how many homes are available at cheap prices.

In some cases, you can end up paying the full price of a home and still end up spending less than someone else might spend.  Although price has an impact, financing is also an area that can help to make a home more affordable.  If you get a low interest rate, you’ll save a lot of money when you buy the home.  There are several ways that you can save money through your finance options, which is why you should always research what’s available to you before you buy.

Contact a real estate agent and provide a list of what you’re looking for and how you want to save money. Finally, keep your options open because now is the best possible time to negotiate.

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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