Tag Archives: Home

Home Seller-Don’t Lose The Sale!

7 Apr

Home Seller-Don’t Lose The Sale!

You are ready to move and have found the perfect home for you and your family.  The only thing left to do is to sell your current home.  Sounds simple right?  Well, it can be, but there are several things that you may be doing that are making your buyers run for the door.

Here are a few surefire ways to lose the sale
Keep reading so you don’t make these common mistakes

• Make sure you are not at home while your buyer is viewing your house.  Don’t take this personally.  A buyer will not feel comfortable with you around because they cannot envision themselves living in your home – they will see you living in your home.   The buyer will not be comfortable opening the drawers and closets.  Additionally, your buyer will not feel comfortable talking about what they would like to change about your home in fear of offending you.  The buyer doesn’t need you lurking around hanging on to their every word.  Give them the space they need to fall in love with your house.

• Keep your home in tip top shape.  Showing a messy home is a surefire deal breaker.  The buyer may see your messy home and assume that you have not taken care of the routine home maintenance either.   When we say clean – we do not mean stuff everything in the closet – the buyer will be looking there also.  We know your busy and with kids and pets it’s hard to keep your house spotless for possibly months at a time.  So talk to your family and have a plan to keep everything as neat and orderly as possible.

• Do not overprice your home thinking that you can lower the price later.  It is a buyers’ market right now.  Your buyer has a multitude of homes to choose from and if you overprice your home, potential buyers will not even stop to consider yours, they will be onto the next one that they don’t have to work so hard to get.  Talk with your realtor to go over fair market values for your area before deciding on a price.  You don’t want to lose out on a serious buyer just because of a few pricing mis-conceptions.

Any good real estate agent will be able to help you and guide you through the entire sales process from start to finish.  So take advantage of their knowledge and the tools they have available to them to help you sell your home quickly.

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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Helpful Questions To Ask The Seller Before Moving In

20 Mar

Cascades Furnished Home For Rent.  Gorgeous turnkey LIMOGE builder’s model features spectacular lake views from the family room and large master bedroom.  Professionally decorated with lots of built-in area in spacious family room, neutral 18″ ceramic tile in living areas.

Helpful questions to ask the Seller before moving in. Buying a new home is a very exciting time.  There are many things to do and to get done and many things to remember.  Sometimes you can hardly wait until the seller moves out so that you can have the house all to yourself.  But wait just a minute -I would be willing to bet that the seller has loads of information that could make your life a whole lot easier once the house is yours.  It is to your advantage to gather a list of important questions and talk to the seller if possible.

It is generally not considered appropriate for the buyer to just knock on the seller’s door or call them directly and start asking questions.  However, talk to your realtor about helping you get your questions answered before the seller has moved and is no longer available.

Here is a list of important questions that in all of the excitement you may not have thought to ask.

1. Do you have any information about the repair history of the house

2. Do you have any warranty paperwork and owners manuals for anything that is staying with the house

3. Do you have paint colors available so that they can be matched for touch ups etc.

4. Do you have the phone numbers for any contractors you have used for repairs and landscaping on the house.  You may want a contractor that is familiar with the house or perhaps you like the way the lawn looks and would like to keep the landscaping service

5. Where are the best restaurants, dry cleaners, daycare centers etc. located

6. Is there a neighborhood watch program and how do you get in touch with the organizer

7. Is there a Homeowners Association and where is the clubhouse – if applicable

8. What are the trash days and what are the requirements.  Is there a trash bag limit and what do you do with bulk items

9. What is the history of the house.  Things that are not disclosed on the disclosure form – such as an interesting story, the prior uses of the house, do they have a set maintenance schedule in place.  Is there anything that works but is a bit quirky when operating it.  This could save you hundreds of dollars in unnecessary repairs when you find out something works but is just a bit quirky

10. Don’t forget to leave the garage door openers

11. Where are the emergency cut offs, the breaker box and utility meters and any tools needed to use them.  What about that wrench that is needed to operate the fireplace – is it available

12. Don’t forget to ask about the sprinkler system, landscape lighting, septic tank, basement pumps, pool pumps, well pumps, hot tubs operating systems.  All of these items may be things you know how to operate or possibly not.  So it is best to ask.

Hopefully, these questions will help make the transition to your new home as smooth as possible.  Don’t forget to talk to your realtor, they may have additional questions that would be pertinent to ask about the home you are going to be moving into.  Your realtor is there to help you in any way they can so don’t hesitate to ask if you need help with something.  That is what they are there for.

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

Cascades Home Seller

13 Oct

Now that you have decided to sell your home and have retained us as your preferred real estate agency, there are a few tips and tricks that I would like to give you to help you sell your home more quickly and for more money.

Here are a few things you and I can do to enhance the look for your home and command higher offers:

1.       Clean, clean, clean – clean everything you can see and everything you can’t see

2.       De-clutter – you may not have “clutter” per se but the more personal effects you have out and about the harder it will be for a buyer to picture themselves living in your home

3.       Look up, down and all around – inside and out, fix what needs fixing and put fresh flowers or something similar in the front of your home for added curb appeal

4.       Add fresh flowers to your table(s) prior to showing your home

5.       Make sure your home is free of any and all odors – use air fresheners once you have removed the source of any offending odors

6.       Have a professional stager come by and offer suggestions for staging your home using the things you already have

7.       If possible remove all pets from your home when we are showing a prospective buyer – this will eliminate any pre-conceived issues if the buyer has any objections to pets being in the house

8.       Have a contractor come by and look at your home so you will have bids available and know exactly what each repair will cost

9.       If you have a repair that you know will be an issue – go ahead and get it fixed – once a buyer sees a flaw it will de-valuate your home in their mind and bring in a lower offer – so go ahead and take care of it BEFORE they see it

10.   We will have a professional photographer come by to video your home for a virtual tour and take pictures for your home presentation package

If you do these few small things you could almost double your chance of receiving higher offers and selling your home more quickly. You have a beautiful home so let’s show it off.

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

Is Green another type of Mortgage nor readily used?

29 Aug

Is Green another type of Mortgage nor readily used?  Green Mortgages may seem like a new novel idea but they’ve been around for decades. A green mortgage simply is a type of mortgage that provides you a money-saving discount or a bigger loan than normally permitted as a reward for making energy-efficient improvements or for buying a home that meets particular energy-efficiency standards. It also makes it easier for you to qualify for a loan.

Green mortgages hinge on the principle that a more energy-efficient home means lower utility bills and, as a result, greater income, qualifying a prospective homeowner to buy a more expensive house. Officially, the mortgages often are called Energy Efficient Mortgages (EEMs) or Energy Improvement Mortgages (EIMs).

A green mortgage allows you to roll in the costs of making specific energy saving improvements to the home you are building or purchasing. This will, of course, increase your monthly mortgage payment but since because these improvements will drastically lower your energy, gas and water consumption, your monthly utilities will decrease even more so than your mortgage -saving you money every month.

Individual monthly savings will differ depending on the degree of the property’s energy efficiency. There are instances where the home energy efficiency improvements have led to monthly savings of $400 and greater.

If you saved $100 per month in energy costs for an annual savings of $1200, your home’s value would increase $24k.With the increase over the past 10 years in energy costs, this amount is probably higher.

There are several options for Energy Efficient Mortgages or EEM that one might qualify for

•    Fannie Mae Energy Efficient Mortgage (EEM) Pilot
•    Federal Housing Authority (FHA) Energy Mortgage Program
•    Veterans Administration Energy Mortgage Program
•    Freddie Mac Support for Energy Conservation
•    Energy Star Mortgages

The process of getting an energy efficient mortgage is exactly the same as a conventional mortgage with the exception of adding in the extra step of having the energy audit performed.

1.    First you select your property, received an approved offer, enter into contract, complete home inspection and property appraisal.

2.    Schedule the home energy audit to be completed as soon as possible after home inspection and appraisal.

3.    Once these reports come back, the loan officer with finish the remaining paperwork which includes the application for the EEM and includes the energy audit report. Your lender then completes a two page Energy Addendum form to include with the rest of the loan paperwork.

While commercial builders have taken advantage of this program more than homeowners the opportunity is there to reduce your home energy outlay by from 30 to 50 percent, guaranteed.

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

Is A Reverse Mortgage Right For You?

4 Aug

Is A Reverse Mortgage Right For You?

Reverse mortgages are not always the best step for everyone, but when looking at the positives, the reverse mortgage is managing to come out ahead. There are other alternatives like a home equity loan or downsizing to a smaller residence with fewer expenses but for the older homeowner in pursuit of more cash, reverse mortgages can work great.

The Positives of a Reverse Mortgage

• One of the primary benefits of a reverse mortgage is that you can remain in your house. To lose your home, you would have to stop paying property taxes.

• The second major benefit is that you can have readily cash available on-hand when you need it.

• Today’s reverse mortgages are simpler and have limits on them. People applying for these types of mortgages must be given advice, so you’re not going in blind.

• A reverse mortgage can make life more comfortable for older people.

Are you the Perfect Candidate?

There are people that use money frivolously for luxuries and for those falling into this category, you should be cautious before taking out a reverse mortgage. Reverse mortgages are really for those who need to subsidize their retirement income.

Before approval, you are required to meet with a counselor to discuss reverse mortgages, how they work, your expectations and alternatives you may qualify for. But a good candidate doesn’t simply mean eligibility – is this type of mortgage right for you and your needs?

Take a look at this checklist;

 You and your spouse are 62 years of age or older
 The house is your principal residence
 You have lived in the house at least six months out of the year
 You have a lot of equity in your house
 You want to pay down debt
 You do not plan to move
 You are not receiving SSI or money from another government sponsored program
 You have considered the alternatives such as moving to a smaller, less expensive residence
 You understand that the time you have to change your mind is limited, more like 3-5 days

You probably already have an idea of what you could take care of with a reverse mortgage. Feel a sigh of relief, some breathing room for those overwhelmed with bills; but do you know what not to do with your money?

Great responsibility will befall you once you get a lump sum of money. While thinking of a more comfortable life, get some advice from a financial planner to see how to handle your money.

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 or (772) 224-9011

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

6 Tips for Choosing the Best Offer for Your Home

27 Apr

6 Tips for Choosing the Best Offer for Your Home

By: G. M. Filisko

Published: February 10, 2010

Have a plan for reviewing purchase offers so you don’t let the best slip through your fingers.

1. Understand the process

All offers are negotiable, as your agent will tell you. When you receive an offer, you can accept it, reject it, or respond by asking that terms be modified, which is called making a counteroffer.

2. Set baselines

Decide in advance what terms are most important to you. For instance, if price is most important, you may need to be flexible on your closing date. Or if you want certainty that the transaction won’t fall apart because the buyer can’t get a mortgage, require a prequalified or cash buyer.

3. Create an offer review process

If you think your home will receive multiple offers, work with your agent to establish a time frame during which buyers must submit offers. That gives your agent time to market your home to as many potential buyers as possible, and you time to review all the offers you receive.

4. Don’t take offers personally

Selling your home can be emotional. But it’s simply a business transaction, and you should treat it that way. If your agent tells you a buyer complained that your kitchen is horribly outdated, justifying a lowball offer, don’t be offended. Consider it a sign the buyer is interested and understand that those comments are a negotiating tactic. Negotiate in kind.

5. Review every term

Carefully evaluate all the terms of each offer. Price is important, but so are other terms. Is the buyer asking for property or fixtures—such as appliances, furniture, or window treatments—to be included in the sale that you plan to take with you?

Is the amount of earnest money the buyer proposes to deposit toward the downpayment sufficient? The lower the earnest money, the less painful it will be for the buyer to forfeit those funds by walking away from the purchase if problems arise.

Have the buyers attached a prequalification or pre-approval letter, which means they’ve already been approved for financing? Or does the offer include a financing or other contingency? If so, the buyers can walk away from the deal if they can’t get a mortgage, and they’ll take their earnest money back, too. Are you comfortable with that uncertainty?

Is the buyer asking you to make concessions, like covering some closing costs? Are you willing, and can you afford to do that? Does the buyer’s proposed closing date mesh with your timeline?

With each factor, ask yourself: Is this a deal breaker, or can I compromise to achieve my ultimate goal of closing the sale?

6. Be creative

If you’ve received an unacceptable offer through your agent, ask questions to determine what’s most important to the buyer and see if you can meet that need. You may learn the buyer has to move quickly. That may allow you to stand firm on price but offer to close quickly. The key to successfully negotiating the sale is to remain flexible.

G.M. Filisko is an attorney and award-winning writer who has survived several closings. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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