Tag Archives: Jacksonville Beach Florida

How To Avoid Delays In The Closing Of Your Home

10 Jun

How To Avoid Delays In The Closing Of Your Home

You have finally found the house of your dreams and you can’t wait to close and get moved into your new home.  So you definitely want everything to go as smoothly as possible with the sale of your current home.  Here are a few things you can do to make sure that you help avoid any possible delays during escrow.

First of all, problems can arise during closing no matter what you do and closing dates are never set in stone.  Just about anyone involved in the process could potentially cause a delay.  So you will want to keep in close contact with your realtor.  Your realtor will be able to inform you immediately of any deadlines that are approaching and help you to effectively deal with any delays.

Here are a few a few things you can do to help avoid any escrow delays.

1.  Make sure you have a very well written sales contract

2.  Ask your realtor to make sure that the buyer is required to  provide proof of sufficient funds for their down payment and closing costs

3.  It is a good idea to have the buyer provide proof of the ability to buy homeowners insurance (due to new restrictions on insurance policies, the mortgage lender will most likely require them to provide their insurance prior to funding the loan)

4.  Make sure you modify the part of the sales contract where the seller makes a warranty to the buyer of the condition of the property.  It should be modified to reflect the sellers transfer disclosure statement.  If you leave this out, the seller may have to repair items that are found not working or faulty and this could delay your escrow period

There are many things to remember and many things that need to be taken care of prior to a closing.  So it is a good idea to keep in regular contact with your realtor throughout the entire process.  Your realtor will help keep you on track and make sure that everything you need to do gets done within the timeframe that is required.

The last thing you want is to get to your closing appointment only to realize that one of the items needed for closing has not been done.  Your agent wants to get you through the sales process and through your closing as smoothly as possible.  So you don’t need to worry about anything, but you do need to keep in touch.

The next thing you know, you will be enjoying your new home and that everything was completed without a glitch!   At least, that is, until you get ready to buy your next home, then everything starts over again.  But that is a topic for another day.  For now you can relax and enjoy your new home for years to come.

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.com, www.HealthcareRelocationServices.com

The Benefits Of A Home Warranty

10 Jun

The Benefits Of A Home Warranty

Ok, so you just found a new home and are ready to put your current home on the market.  You want your home to sell quickly and without any glitches along the way.  But what can you do to protect yourself and your buyer?  Well, have you ever heard of a Home Warranty?  If so, great, then you already know this is the way to go.  If not, then keep reading and we will look at why getting a home warranty is so important.

What exactly does a Home Warranty do for you?  The Home Warranty is really just an insurance policy.  Most policies will protect you from the day your home is listed on the market until one year after the closing date.   By buying a Home Warranty, you will make the purchase of your home more attractive to home buyers.

The Home Warranty will cover anything that could break down or go wrong.  Things such as a broken dishwasher or air conditioner, etc.  By buying Home Warranty protection, you will help to eliminate the worries about unexpected but necessary repairs for you and the home buyer as well.   This will limit the liability for both of you in the event that a problem is discovered before or after closing.

Home Warranty policies will vary; however,  the standard deductable is usually somewhere between $35-$100 but can vary from state to state.

So to sum up the advantages of buying a Home Warranty:

• It will potentially save you money
• The Home Warranty will repair or replace any covered item
• The cost of a Home Warranty is only a fraction of the cost of replacing a major appliance
• It provides an incentive to the sale to any potential home buyer
• The Home Warranty will relieve any buyers anxiety about buying your home, especially if you have an older home
• It also relives a buyer of any concerns that you failed to disclose a material defect on the home disclosure
• Additionally, it will help prevent the buyer from trying to sue you  for failing to disclose any of the homes major defects on the home disclosure

The Home Warranty Protection policy is a fantastic way to protect you and your buyer from unforeseen repairs that can and do arise without warning.  During the home buying /selling process is no time for either party to have to shell out more money, especially for repairs.

Talk with your realtor about obtaining a Home Warranty Protection policy, they will be able to go over the entire program and its benefits with you.    So sit back and relax and enjoy the peace of mind you will get from purchasing the all important Home Warranty Protection policy.

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.com, www.HealthcareRelocationServices.com

Radon And Your Home

10 Jun

Radon And Your Home

Radon is a colorless, odorless, radioactive gas that poses serious health risks if it becomes trapped under your house.   Radon will usually get into your home through underground crawl spaces, sump pumps, and holes in your basement or through the water supply.   Radon gas can pollute your air with odorless toxic vapors and it causes thousands of lung disease related deaths each year.

Before you purchase any property you should have that property inspected for a radon problem.   If the inspection turns up elevated radon levels, which is considered to be 4 picocuries per liter (pCi/L) or higher, you will have to have certified radon mitigation contractor come out to reduce the radon levels in the home before you can occupy it.

High radon levels can be reduced by installing a radon reduction system.  You should ask the contractor for references documenting the results of their past work in other homes before you hire them.    Once they have completed the work, it is important that you ask that company to check the house after the system has been installed to ensure that it is actually reducing the radon levels in the home.

After your radon reduction system is installed, you will need to maintain it.  So make sure you get detailed instructions from the contractor who installed your system about what you need to do to maintain that system.  You should put this on a monthly maintenance calendar for your home.  This is too important to forget.  Your family’s health and lives could be at risk otherwise.

If you have made an offer on a home that has a radon inspection that reports high radon levels, you should consult with your realtor about any additional steps you should take to resolve the issue.  Additionally, your agent will be able to provide you with names and phone numbers for reputable contractors that can correct the situation for you.

Talk to your realtor about this issue so that you understand what you should be considering and what your options are.

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.com, www.HealthcareRelocationServices.com

3 Nights Discovery Tour At Del Webb

29 May

3 Nights Discovery Tour AT Del Webb

Join Us To Meet Your Future Retirement Community

Explore Stay Program Available!

Enjoy 3 NIGHTS DISCOVERY TOUR AT DEL WEBB NORTH FLORIDA COMMUNITY FOR $150!

2, 3 and 4 night stays

Fully Furnished Private Homes

Complimentary golf cart and beach bikes

VIP Access to all of the amenities including 38,000 sq.ft. Anastasia Clubhouse

Special Needs Accommodations

Welcome New Home Buyer to Riverwood by Del Webb a 55 Plus Resort Lifestyle Community in Ponte Vedra

A Private Coastal Community located 7 miles from the Atlantic Ocean

Choose from 9 decorated models of magnificent floor plans including a variety of two- and three-bedroom homes, ranging from 1,157 – 2,611 square feet.  Home sites available with tranquil nature preserve or water views. Community features a 38,000+ square-foot new Anastasia Clubhouse, a perfect setting for residents to socialize with friends and neighbors and offers indoor and outdoor pools, state-of-the-art fitness center, arts and crafts facilities, multi-purpose rooms, social café, grand ballroom with stage and outdoor courts for tennis, bocce ball and pickle ball.

Riverwood at Nocatee amenities include:

Aquacise: A water cardio and toning workout.

Cardio Low and Tone: This class consists of twenty minutes of low impact aerobic exercise.

Yoga: Gentle Yoga (on the floor) and Chair Yoga.

Hard Core Abs:  The workout includes standing, seated and floor exercises for both women and men.

TechnoGym Orientation:  Sign-ups are handled on a first come basis.

Wellness Orientation:  A one-on-one session with a personal trainer.

Personal Training:  Available upon request.

Group Fitness Punch Cards:  Available upon request.

Sandcastle Spa:  A place for residents to relax and enjoy a rejuvenating massage.

Resort Pool and Spa:  Indoor lap pool & resort outdoor pool and spa

Sawgrass Cafe:  Open Monday-Saturday

Clubs:  Bingo, Bridge, Book, Canasta, Dinner, Genealogy, Bead Buddies, Mah Jongg, Poker, Men’s Club, Women’s Club, Team Trivia, Helping Hands, Arts & Crafts, Bocce Ball, Tennis, Pickle Ball and much more.

Total Homes: 2,000

Sold Homes: 300

A unique Central Park featuring over 100 trees.  Gardening lots available for residents.

State-of-the art Fitness Center, Theater, Ball Room.

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.com, www.HealthcareRelocationServices.com

Spring Home Maintenance Items That Must Be Performed

10 May

Spring Home Maintenance Items That Must Be Performed

It’s that time of year again.  Spring has sprung and there are chores do be done.  Routine maintenance is a big part of home ownership and hopefully you have a yearly calendar of routine tasks and when they need to be performed.  Deferred maintenance will cause bigger, more expensive problems down the road and could cause you to lose some of your home’s value if left undone for too long.

Here are a few things that I consider to be important spring time routine maintenance tasks.

1.  Clean out and remove dead plant material and leaves from your plant beds.

2.  Trim your trees and thin them out to ensure proper growth and stability.  Make sure you check for any cracked or damaged trunks or limbs as this could create a dangerous situation if not corrected.  When comparing tree trimming companies, make sure they have the proper insurance in case of damage.

3.  Inspect your roof shingles for any damage that may have occurred over the winter months.   If you are not comfortable doing this – hire a professional.  Remember, if you find roof damage, check with your insurance company.  Many insurance companies will pay for the repairs or possibly a new roof if the damage is severe.

4.  Check your gutters and downspouts.  Make sure they are secure.  Clean out any leaves and debris.

5.  Check fence poles and gates.  If your fence poles have loosened up over the winter, wait until the soil is dry then clean out an area around the post and put down some new cement to secure the pole.  Check your gate latches and hinges for proper functioning.  This could be a security issue for your family and your pets.

6.  Clean up all old leaves, debris and plant material that has accumulated over the winter.  Not doing this could ruin your landscaping and could potentially cause a fire hazard during the hot, dry summer months.

7.  Inspect your air conditioning unit inside and out.  Change the inside filter and hose down the outside coils to remove any debris that could overwork your unit.

8.  Close your fireplace dampers if you have not already done so.

9.  Test your sprinklers and timers and adjust the heads where necessary.

10. Check vent blocks and remove faucet covers once you are sure that all freezing danger has passed.

11. Replace your smoke detector and carbon monoxide detector batteries then test the units.

12.  Tune up your lawn mower and other lawn equipment for peak performance.

All of these routine maintenance items will keep your home in tip top shape and ready for the new season.  If you are considering selling your home, call your realtor for more suggestions as to what you can do to help spruce up your home for maximum profits.

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

Should You Consider Owner Financing?

10 May

Should You Consider Owner Financing?

So you have lived in your home for a while now and are thinking about selling and moving into something that is better suited to your current lifestyle.  However, you may be wondering if now is the right time to sell.  You have heard all of the rumors about the housing market and how hard it is to get financing.  So what are your options?

Well, here is an option that you may not have thought of – owner financing.   If you have a lot of equity in your home and you do not need that equity to buy another home, then owner financing may be the way to go.

Let’s talk about how owner financing works.

1.  Owner financing will benefit you by helping you sell  your home more quickly and will also benefit your buyer by enabling them to buy a home now instead of having to wait

2.  Seller financing usually means the buyer will secure the largest part of the home purchase through a mortgage company

3.  The buyer then gets a smaller second loan from the sellers

4.  Example:  the buyer may finance 75% of the loan with the mortgage company, put 15% cash down and then ask the sellers to finance the remaining balance

5.  The terms and interest rates on seller carry backs are handled on a case by case basis

6.  The seller generally gets a better return on their investment versus a one to five year CD or Treasury note

If you decide to honor an owner financing option, make sure you protect yourself to the fullest extent.  You must verify the buyer’s income, credit history and job stability before proceeding with the final paperwork.  Put everything in writing!

Owner financing may be just the option you need to help you get into your new home sooner rather than later.  Talk to your realtor about the best way to handle an owner financing deal.  Your realtor will be able to help you through this process and help to make sure everything is handled in your best interest.

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

How To Recognize A Home That Will Hold Its Resale Value

10 May

How To Recognize A Home That Will Hold Its Resale Value

Buyers who are looking for a new home are often very excited.  It is that excitement that can sometimes cloud their judgment when it comes to buying a home that will retain its resale value.  So what can you do to make sure that your excitement does not overcome your good judgment and common sense?

Here are some things to keep in mind when you are trying to buy a home that will retain its resale value.

1.  Location, location, location!  Is this home on a busy street or does it have some other undesirable factor about it?  If so, make sure the price is adjusted accordingly.

2.  Consider all defects that are not correctable.  Things like location, traffic, floor plan etc. Then make sure the selling price reflects these non -correctable items.  Remember, you may have to sell this home with these same defects in the future.  So you don’t want to be left holding the bag.

3.  Does this home suit your long term needs.  If so and you plan on living in the house for a very long time, then resale value may not be as big of a determining factor for you.

4.  Don’t be bullied.  If you are looking in a hot market, don’t overlook the issues that could cause you to lose money if you have to sell in a future market downturn.

5.  Look for a home that has a broad appeal.  A home that is suitable for most people.  One that has a good floor plan and amenities that the majority of people are looking for is important.

6.  Think about the size and the space.  Is this home going to be very expensive to maintain due to its home or yard?  Are there any other factors that could influence someone’s decision to buy.

7.  It is best to buy a home that is in good condition -one that someone clearly took the time to maintain over the years.  Routine maintenance is a huge factor when it comes to future repairs.

8.  Convenience – how convenient is this home to schools, banks, day care centers, shopping, gas and restaurants.

9.  Look for an easy commute – is this home located in an area where the major thoroughfares are easily accessible.  Is there a bus line nearby etc.

10.  Find a home that has a good resale value and not one that is just a good deal.

Talk to your realtor about buying a home that has a good resale value and they will be able to help keep you on the right track.  Resale value should be one of the major deciding factors when buying a home.  Remember, most people do not live in the same house their entire lives.  So plan accordingly!

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

Important Questions To Ask Your Home Inspector

7 Apr

Important Questions To Ask Your Home Inspector.

You know when you are buying a home, that you will need a home inspection.  But when it comes time to read the inspection report you feel like you need a translator!  Here are a few important questions you should definitely ask your home inspector to help you understand the inspection report before closing the deal.

1.  Clarify what is truly bad.  Have the inspector tell you exactly what is really bad, what will need to be fixed right away and what can wait.  Also,  have him let you know what he put in the report that he just wanted to let you know about, but was not a necessary repair.  This is important because the inspector may have something noted under the category “Health & Safety Hazards” and all it is a small plumbing issue that would only cost a few dollars to fix.  So it is important to clarify everything.

2   How hard is that to fix?  You should ask the inspector how something should be fixed and they will usually be more than happy to explain to you how easy the repair is to do yourself.  If it is not a simple fix, they may have someone they can refer to you to have the repair done professionally.  Additionally, they can also tell you about how much the repair should cost, whether you do the repair yourself or have it done professionally.  This information can be invaluable when you are not sure about a particular repair.

3.  If it were you, what would you do?  Ask the home inspector what they think you should have fixed or not fixed, whatever the case may be.  It is the home inspectors job to point out every little thing in their report.  That’s what you are paying them for remember.  So find out what is and isn’t a necessary fix.

4.  Get clarification on anything you don’t understand.  Sometimes the inspection report contains a term or a repair that you have no clue what they are referring to.  Ask the inspector to show you each and every item on the report that does not make sense.  It is going to be your new home for years to come and you need to understand everything about it.

5.  How does that work?  There will inevitably be one or maybe several mechanical systems that you don’t know how to work.  Most home inspectors would be more than happy to show you how to operate everything.  But you have to ask.  So go through the entire house and make a list of everything you think you may need help with – then ask.

The home inspection is one of the most important things you will be doing when buying a new home.  Finding out any major defects etc. could keep you from buying a money pit or could help you to renegotiate the deal if many repairs are needed.  Get your realtor involved in the process.  Your agent sees hundreds of homes every year and you might be quite surprised at what they can point out before you even begin the inspection 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

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

Home | Sign-up for a Tour! | Send Me Information | Homes For Sale | Homes Short Sale | Search Foreclosures | Open House | Homes For Rent | Renter’s Insurance | Cascades Resources | Cascades Events | Cascades Tour | Home Virtual Tour | Driving Directions | Cascades Q & A | Cascades Floorplans | Cascades HOA | Community News | Preferred Providers | Cascades BLOG | Buyer’s Resources | Dream Home Finder | Search MLS | Home Inspection | Home Warranty | Florida Relocation | Property Taxes | Tax Estimator | Insurance Quote | Buy A Short Sale | Map Home Search | Book Travel | 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 | Map Home Search | Tampa Homes | Ocala Homes | Naples Homes | Fort Myers Homes | Jacksonville Homes | Ponte Vedra Homes | Orlando Homes | New Developments | Discovery Tours | Costa Rica Homes | Vero Beach 55 Plus | Book Travel | Florida Package | Costa Rica Package | Book Travel | 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 | Book Travel | Amazon Store | For Buyers | For Sellers | Homeowners | Mortgage Calculator | Mortgage Rates | Loan Quote | Get Pre-Approved | Mortgage Articles | Lending Sources | Financing Terms | 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

Mortgage Debt Settlement Risks You Should Know

20 Mar

Mortgage Debt Settlement Risks You Should Know.  Buying a home is a wonderful feeling and there are several ways to purchase a home:  cash, rent to own or by entering into a mortgage.  Most people opt for a mortgage and for very good reason.  A mortgage is a good way to establish a good credit history and because it is the fastest way to buy a home.  Cash takes a long time to save; whereas, a mortgage will get you into your new home almost immediately.

There are many things to consider when deciding to purchase a mortgage.  Handling your debt properly now and into the future should be your first priority because a mortgage debt that has gotten out of control can have very serious repercussions for the home owner.  So make sure you think about your long term plans and goals before deciding on how much of a mortgage you can handle.

If you happen to find yourself in a position where you have to rely on a debt settlement to get out of your current situation then there are a few things you need to look out for.   Let’s talk about a few things that you need to be aware of before entering into your next mortgage loan.

1.Tax Caveats – You will need to remember that tax does apply to loans that are more than $600.  Many times the taxes are deducted from your loan before the funds are released

2.Bad Credit Reporting – Most lenders will report your payment history to all of the major credit bureaus.  If you have not paid your mortgage on time, this will most definitely affect all of your future borrowing potential to some degree.  Even missing one payment can have a negative effect on your credit history.  Your future purchases will no longer qualify for acceptance by prime lenders and you will be forced to use subprime lenders that offer a much higher rate.

3.Watch Out For Fraudsters – Many people are approached by scammers and are tricked into hiring them to handle their debt settlement.  The scammer will ask for a large upfront fee and then take off with your money and you will have little to no recourse when it comes to trying to get your money back.  Some legitimate debt settlement companies, although legitimate, their business practices are less than favorable to the borrower.  They are known to take advantage of unfortunate situations such as these.

4.Beware Of A Possible Lawsuit – Lawsuits are very common in debt settlement cases.  It does not matter what your situation is or how it came to be; lenders will not adjust your loan to meet your current financial problems.   So remember you can be sued for not paying your debt in full.  In addition,  this will have a negative impact on your credit history.

There is so much involved when it comes to a mortgage.  It is in your best interest to find a qualified realtor to stand by you and help you through all of the potential real estate pitfalls.

A realtor can be your best friend and could save you from making an innocent mistake just because of something you were not aware of.  Your realtor has many years of experience and is there to help you 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

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

Top USA Gated Communities by Bold Real Estate Group

5 Oct

Top USA Gated Communities by Bold Real Estate Group.  To coincide with the launch of a new home guide to the exciting USA property market, we’ve picked out the best deals that are typical of the projects in which overseas investors are buying.

Balsam Mountain Preserve :: Sylva, North Carolina :: View Details
The lowest density private Club community in the western North Carolina mountains, Balsam Mountain Preserve is a family focused, unpretentious place that offers a high level of quality and service in a relaxed atmosphere. The level of family programming here is unmatched by any community in the area. Only 354 homes will nestle into this high elevation 4,400 acre private community, an average of one home for every twelve acres. Created with a commitment to preserve its natural surroundings, 3,000 acres, or nearly 70% of the community, has been placed in a permanent conservation easement, ensuring it will never be developed and will always remain for future generations in its present park-like state.
Bleu Claire :: Longboat Key, Florida :: View Details
Nestled along the pristine coastline of Longboat Key is a new level of exclusivity to define beachfront living, the taste of luxury, the reward for a lifetime of accomplishment: Your inspiration. Your dream. Your Bleu Claire. Designed to evoke the feeling of a retreat from the everyday, Bleu Claire on Longboat Key is inspired by the villas of the French Riviera. The community’s understated elegance reflects the beauty of its natural surroundings and the enchanting views of the Gulf of Mexico.
Bonita Bay Highrises :: Naples, Florida :: View Details
Three waterfront parks; 12 miles of biking and walking paths; 90 holes of golf; private beach park on the Gulf of Mexico; tennis and swim center; fitness center; marina club with storage for more than 400 boats, fuel and service, a ship’s store and restaurant; wine club; Audubon International Cooperative Sanctuary for demonstrated excellence in environmental planning, wildlife-habitat management, resource conservation, waste management, and outreach and education. Four additional high-rises are in development.
Brookfield Homes Hawaii :: Honolulu, Hawaii :: View Details
Brookfield Homes Hawai’i offers three exclusive resort communities on two of the Hawaiian islands; each of them are adjacent to gorgeous beaches, championship golf courses, tennis clubs, fine dining, and rejuvenating spas. Our communities also offer their own luxurious recreation villages designed for outdoor gatherings, swimming, and fitness. On the Island of Kaua’i we offer you Nihilani at Princeville and PiliMai at Po’ipu, resorts of unparalleled natural beauty. On the Big Island we offer you KaMilo at Mauna Lani, one of the most renowned resorts in the world. These three resort communities define what it means to feel at home in Hawai’i.
Chinquapin :: Cashiers, North Carolina :: View Details
Nestled contentedly in a rolling expanse of the Cashiers area of the Blue Ridge Mountains, there exists a place where home settings and amenities emerge naturally from the land-as if they always have been. It’s a place surrounded by pristine national wilderness, so you know it always will be. It’s a place where new beginnings and new discoveries spring naturally from every moment out of the spectacular beauty that is Chinquapin.
Florida Lifestyle Homes :: Fort Myers, Florida :: View Details
Florida Lifestyle Homes can provide one-stop shopping for your custom home in the most prestigious areas of Southwest Florida. We have used our financial strength and experience to inventory a substantial portfolio of spectacular home sites in Lee County’s luxury home communities of Cape Harbour, Renaissance, Verandah, as well as, Collier County in Quail West, a Ginn Club community. If you are already an owner of a home site or if you have a home site in mind that is not in our inventory, we would be happy to build your dream home where ever you choose. We are proud to have been selected as a preferred builder in the most exclusive waterfront and golfing communities in Southwest Florida.
Hampton Lake :: Bluffton, South Carolina :: View Details
Located in Bluffton, South Carolina, Hampton Lake is true lakefront living located minutes from Hilton Head Island, Beaufort and Savannah. The 165-acre freshwater lake with fifteen miles of shoreline, is surrounded by a 340 acre nature preserve, offering a total of over 500 acres of open space in this community of just over 900 acres. Lakeside Amenity Village was recently honored with the “Best Community in America” Award by The National Association of Homebuilders and Professional Builder Magazine.
Hampton Park at Gateway :: Fort Myers, Florida :: View Details
Hampton Park at Gateway is now taking reservations. Hampton Park at Gateway will be offering a wide selection of single-family homes to suit your lifestyle.
Heron Bay :: Coral Springs, Florida :: View Details
Heron Bay features two community clubhouses, resort-style pools, fitness centers, children’s playgrounds, a kids’ spray park, tennis, event rooms, spa rooms, and walking & biking trails.
Lake Buena Vista Resort Village and Spa :: Orlando, FLorida :: View Details
The award-winning Lake Buena Vista Resort Village & Spa is a wholly owned Orlando, Florida condo hotel development offering all the facilities and amenities of a world class resort. Superbly located just over a mile from Disney World,and close to Universal Studios and SeaWorld, the Resort featues convenient access to shopping, dining, aquatic center, fitness center and signature health spa. The Resort is a government approved Regional Center under the U.S. EB-5 Immigrant Investment Program whereby foreign investors may obtain expedited, permanent U.S. Residency and Green Cards with optional citizenship.
Legends Bay at IMG Academies :: Bradenton, Florida :: View Details
Come live and play in paradise. At Legends Bay at IMG Academies, you connect with the beauty offered in this pristine natural environment. With its mile-long waterfront, this private gated commmunity lets you experience the feeling of being far removed, but not far away. Beautifully situated along the waters of Sarasota Bay with astounding panoramic vistas, Legends Bay offers incomparable aesthetics and quality along with access to select facilities at neighboring world-renowned IMG Academies.
Lely Resort :: Naples, Florida :: View Details
A close-to-everything Naples location, three championship golf courses and a cosmopolitan atmosphere amid lush natural surroundings has made Lely Resort one of the most sought after addresses in Naples. Lely Resort offers 13 spectacular unique neighborhoods.
Life Vision Properties :: Trujillo , Honduras :: View Details
Life Vision is the largest developer in Trujillo, located on the Northern Coast of Honduras. We have over 400 private residential properties sold with permits and home construction underway. We offer exclusive estate size mountainside lots with panoramic views of the Caribbean Sea as well have beachside lots steps away from the beach. Trujillo has been designated by the government of Honduras as the location for the next cruise ship terminal. Life Vision is a partner developer in the cruise terminal aptly named, Banana Coast. We forecast to begin receiving ships as early as 2012/2013 season making Trujillo the next Caribbean Hot Spot!
Manchester Square :: Naples, Florida :: View Details
Ideally located in the heart of North Naples and offering a selection of two- to five-bedroom home designs suited to every lifestyle, Manchester Square is the perfect address for casual, carefree living.
Mediterra :: Naples, Florida :: View Details
Mediterra captures the authentic rustic styles of the Italian countryside and the Mediterranean region of Europe with intimate neighborhoods connected by miles of walking and biking paths. Lucarno, a community within London Bay’s Village Collection, is located in Naples’ exclusive Mediterra community. Each of Lucaro’s 71 home sites are located on one of the villages many lakes. Lucarno features six distinctive floor plans and architecture that captures the aura of the Italian countryside. The community’s cobblestone streets are accented with lush and colorful landscaping while the maintenence-free homes deliver the promise of a relaxing lifestyle. One of the last and most scenic enclaves that remains within the lush and exclusive Mediterra community in Naples is Cortile. This secluded and picturesque community is accentuated by architecture reflective of the rustic styles of the Spanish countryside and Mediterranean region of Europe. Cortile offers 46 home sites and provides an expansive home selection from which to chose including both London Bay’s Estate Homes and Village Collection series.
Nihilani at Princeville Resort :: Princeville, Hawaii :: View Details
Find your home on Kaua’i’s majestic North Shore, in this rare opportunity to live in highly acclaimed Princeville Resort. Nihilani comprises 100 thoughtfully crafted homes with golf course and Bali Hai views on this magnificent bluff between the mountains and the sea. These award-winning townhomes are beautifully designed in the plantation style to reflect indoor-outdoor living, while featuring current home innovations. Enjoy spacious lanais, two-car garages and a private outdoor recreation center situated within beautifully landscaped gardens.
Ovation :: St. Petersburg, Florida :: View Details
Welcome home. Welcome to Ovation-an intimate collection of 45 luxurious residences overlooking the scenic downtown waterfront and marina of “one of America’s most livable cities.” Where life is orchestrated to your every desire, beauty is in the details, and your new home is a perfect reflection of you. Ovation represents a unique collaboration between buyer and builder in which each homeowner is given the freedom to create the ultimate urban home. Starting with a flexible, estate-sized floor plan, the renowned JMC Ovation team welcomes you into a collaborative construction and design process that results in exactly the home-and lifestyle-you desire.
Paseo :: Fort Myers, Florida :: View Details
Paseo. The way to say “journey”. Our way of saying a wonderful place to live. Stock Development presents an exciting new Ft. Myers community designed with a blend of inspired residences, all a stroll away from the Paseo Village Center. With plenty of places and spaces for family and friends to meet and celebrate life. Priced to move you!
Pelican Preserve :: Fort Myers, Florida :: View Details
Pelican Preserve is Southwest Florida’s most vibrant 55-and-better destination. This award-winning community boasts a 70,000-square-foot Town Center, a Golf Club, 27 holes of golf and a full calendar of social, recreational and cultural activities.
Perrone Construction :: Sarasota, Florida :: View Details
As Sarasota’s premier builder of luxury waterfront residences since 1980, Perrone Construction’s reputation for unparalleled excellence is widely acknowledged throughout the community. Our dedication to quality and our commitment to our client remain as strong today as ever. Repeat clients and referrals from former clients account for a good deal of our business, and to our company, this is the highest compliment that we could receive.
Pili Mai at Po’ipu :: Koloa, Hawaii :: View Details
Experience ocean, golf course or mountain views at Po’ipu’s newest neighborhood. Nestled amidst the fairways and greens of Kiahuna Golf Club, PiliMai offers the comfort and casual luxury of plantation-style architecture coupled with state-of-the-art amenities and a convenient location. Choose from seven inviting floor plans designed to maximize views and privacy, with a private recreational village to include pools, spa, exercise center and gathering pavilion. Discover the experience of island living on Kaua’i’s sunny South Shore.
Preserve at Rock Creek :: Sapphire, NC :: View Details
The Preserve at Rock Creek is a very unique development unmatched in the area. As a 320 acre low-density, gated community in Cashiers, NC, The Preserve offers 22 estate homesites. Many estate lots are five acres and have been approved for building two individual homes. With 215 acres protected in a conservation easement, the property is known to be one of the most biologically diverse places in the United States. The temperate rain forest of the area creates a natural habitat for exotic flora and fauna. The stunning long range Western North Carolina mountain views and elevations ranging from 2,900′ to over 4,400′ enable The Preserve at Rock Creek to provide some of the best home sites in western North Carolina.
Sunset Falls at Bald Creek :: Waynesville, North Carolina :: View Details
A 300 acre gated community ideally located between Asheville and Waynesville, Western North Carolina. Greeters cottage, gated entrance, paved roads, and underground utilities are in place. Elevations from 3,200 feet to 4,300 feet. Long range mountains views, gentle topography. Lots from 1.3 acres to 4.55 acres. Hiking trails are complete, crystal clear steams, and a planned clubhouse with fitness center, swimming pool, outdoor pavilion & BBQ area. The first two homes are under construction at this time, both over 3,000 square feet.
The Cove at Celo Mountain :: Burnsville, North Carolina :: View Details
The Cove at Celo Mountain elevates the North Carolina mountain living experience to the peak of quality, beauty and enjoyment. Tucked in the spectacular Blue Ridge Mountains approximately 35 minutes from Asheville, NC this dynamic, engaging, boutique community of luxury home sites, lots, villas and cottages is a property that wholly reflects its exquisite natural landscape. Located near historic Burnsville in the heart of the Blue Ridge Mountains, The Cove at Celo Mountain offers a fully rewarding lifestyle and a grounded sense of community deeply rooted in regional values and traditions. Rediscover an America you thought was long gone; Discover a lifestyle where natural beauty meets simple elegance; Discover The Cove at Celo Mountain. Start making your “memories for a lifetime” today.
The Coves at Round Mountain :: Collettsville, North Carolina :: View Details
It’s about much more than a beautiful piece of North Carolina mountain land. More than a riverfront community due south of Blowing Rock, North Carolina. More than going fishing, golfing, or horseback riding. It’s about introducing your dreams to reality. About making good on the promise you made to yourself—the promise about how you want to live one day. Well, that day is today—and your dream is right here, waiting. Welcome to The Coves. Room to play. Room to explore. Room to breathe.
The Fitzgerald :: Asheville, North Carolina :: View Details
The Fitzgerald sits on storied grounds. A hallowed mountain setting that caught the eye of E.W. Grove nearly a century ago. This land became the inspiration and foundation for the legendary Grove Park Inn that still entices and charms visitors today as it has for generations. It is here, on this historic site, that The Fitzgerald living experience offers itself to a limited few fortunate enough to make this dream location their home.
The Founders Club :: Sarasota, Florida :: View Details
TBD
Tiburon :: Naples, Florida :: View Details
Home of the Ritz-Carlton® Golf Resort, Tiburón features 36 holes of Greg Norman-designed championship golf, resort-style conveniences and a superb location surrounded by Naples’ best beaches, shopping and dining.
Tidewater Preserve :: Bradenton, Florida :: View Details
On the shores of the Manatee River, Tidewater Preserve is a dynamic waterfront community with exceptional amenities including the Port & Court Club, tennis complex, canoe/kayak launch and riverfront walk.
Venetian Golf & River Club :: North Venice, Florida :: View Details
Venetian Golf & River Club provides artfully designed living sculpted around championship golf and a 70-acre Nature Park. The community’s two social hubs, The River Club and The Golf Club, offer a spectacular mix of activities and events.
WCI Communities :: Bonita Springs, Florida :: View Details
WCI sets the standard for building exceptional communities, creating amenities that challenge and exhilarate, while upholding our unwavering commitment to the places we call home. WCI has developed master-planned communities where today there are over 150,000 residents who enjoy amenity-rich lifestyles. WCI is fully committed to maintain and enhance this trust and will demand the highest quality construction and customer service to ensure The Experience Is Everything® for our valued customers.
Western North Carolina Homes and Land :: Whittier, North Carolina :: View Details
All our developments and lots have mountain views and or water views. One of our developments has direct river front lots. All lots have access to the Tuckasseeggee River via a 600′ private recreational area. Our lots are the best around at great prices!!
Westshore Yacht Club :: Tampa, Florida :: View Details
Westshore Yacht Club is now taking reservations. Westshore Yacht Club will be offering a wide selection of single-family homes to suit your lifestyle.

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

%d bloggers like this: