Tag Archives: Neptune 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

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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

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

Discovery Tour of New Florida Retirement Communities

19 Jul

FEATURED FLORIDA NEW RETIREMENT COMMUNITIES

RESORT LIFESTYLE FOR ACTIVE ADULTS

3 DAY DISCOVERY TOUR PACKAGE

 Naples, Jacksonville, Ponte Vedra, Orlando, Ocala, Tampa

A 3-day Discovery Tour Package is an excellent way to become familiar with your future retirement community of choice and 3rd night stay is at no cost!!!

If you are presently planning your future retirement, now is a great time to experience a Discovery Tour and everything our featured new retirement communities have to offer.  We encourage your visit and will be happy to make the necessary arrangements for a tour of our featured retirement communities vacation package and accommodations at existing new communities in Naples, Jacksonville, Ponte Vedra, Orlando, Ocala and Tampa. Please contact our office for current prices and availability by sending your specific request to communityinfo@comcast.net

Ask us about Special Offers and Events

We’d love to hear from you!

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, Naples, Tampa, Orlando, Ocala, 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

Should I Refinance My Mortgage?

14 Jul

Phone calls flood in every week about refinancing to a lower rate; as soon as you walk in the door your phone is ringing – “We’re calling to help you take advantage of the insane low mortgage interest rates…”

People are still lining up to get their application in and refinance their mortgage. But while it’s true that refinancing has the potential to help you reduce the costs associated with borrowing money to own a home, it is not necessarily a strategy that makes sense for everybody. So before you make a commitment to refinance your mortgage, it’s important to do your homework and determine whether such a move is the right one for you.

Most of us follow the rule that refinancing will only make sense if you can lower your interest rate by 2 or more points, such as going from 6 to 4 percent.

But what really matters is how long it will take you to break even and whether you plan to stay in your home that long. In other words, make sure you understand – and are comfortable with – the amount of time it will take for your overall savings to compensate for the cost of the refinancing.

Consider this: If you had a $200,000 30-year mortgage with a 6 percent interest rate, your monthly payment would be $1,199. If you refinanced at 4 percent, your new monthly payment would be $954.83, a savings of $244.17 per month.

Assuming that your new closing costs amounted to $2,000, it would take 8.5 months to break even ($244.17 x 8 = 1953.36).

If you plan to stay in your home for at least eight more months, then a refinance would be appropriate and you’ll save money. If you plan to sell the house before then, you might not want to bother refinancing because your out-of-pocket expenses would be more than your savings.

Don’t get finagled by the variability of the interest rate
There are two basic types of mortgages: those with “fixed” interest rates that do not change and those with variable rates, which often change after a predetermined amount of time has passed, such as one year or five years.

While an adjustable-rate mortgage (ARM) always offers a lower introductory rate than a fixed-rate mortgage with a comparable term, the ARM’s rate could jump in the future if interest rates rise. If you plan to stay in your home for a long time, it probably makes more sense to opt for the security of a fixed rate, whereas an ARM might make sense if you plan to sell before its rate is allowed to go up (within 3 years to be safe).

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

Top 5 Ways To Increase Your Home’s Value

14 Jul

We all want our homes to look appealing to make visitors take a second look; but where do you spend your money to increase value And look good And stand out?

1.An updated kitchen. Kitchens are critical because people want lots of workspace to cook and socialize. Buyers look for solid surface counters, updated appliances and high-quality flooring, such as wood, laminate, tile or stone. It also doesn’t hurt if it opens onto another room; families are looking for openness to communicate. It won’t hurt if you have a picturesque window or several windows to allow light in. Will it sell faster, Yes!

2.Natural materials. People are looking for ceramic tile, hardwood floors, and granite. In floor coverings — especially bathrooms or kitchens — look for ceramic tile or wood rather than linoleum, which can become worn and tear.  In the rest of the house choose wood or laminate products over wall-to-wall carpeting.

3.Curb appeal. First impressions are everything. There is nothing better than pulling up to a home with a manicured lawn and a splash of color. A house that appears tidy and well-cared-for will sell more quickly and for more money. A good first appearance can add as much as 10 percent to the value of the home.

4.Basement. A finished basement adds more value simply because of the space. People love the fact that they can “go somewhere and hide” or have that man-cave; and many parents love a place where teenagers can be in another part of the home, not seen or heard!

5.Lots of storage. Nothing beats an oversized garage, some attic space and plenty of closets. If you have a two-car garage you are in the forefront for “SOLD”; do you have extra space for those things we all have — bicycles, lawn mower, snow blower and just extra junk? No matter if you’re single or married, Space is important.

Now on the flip side, contrary to what many people believe there are things that can alter your property value;

• A pool. Pools in most parts of the country don’t automatically raise the value of your home; It’s constant upkeep, they get cracks, when the equipment goes down it’s expensive to replace and the liability is high

• Outdated appliances or systems. Who wants an electrical system or plumbing system incapable of handling modern conveniences?

• Stale or overly personal decor. Sure, red is a hot wall color right now but a complete red room? It won’t appeal to everyone. Most home sellers will change the colors to something muted but then you have those who want to remain purple and electric green for the sake of individual design.

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

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