Find 55+ (55 Plus) Active Adult Retirement Community In Florida

   Find 55+ (55 Plus) Active Adult Retirement Community In Florida  

Welcome to Port St Lucie, Florida. If you are looking for the best retirement community and real estate investment that Port St Lucie has to offer, then look no further than Cascades At St Lucie West a 55 Plus active resort lifestyle private Golf and Tennis community.   Cascades is located on the East coast of Florida in the heart of Florida’s Treasure Coast and St. Lucie West.  As an experienced Buyer’s Agent you can expect us to find the perfect home of your choice at the perfect price and terms, at no additional cost to you. If there are any homes that you would like to know more about, please send us the addresses or listing numbers and we’ll be happy to research them and provide you with additional information.

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.

Nicely done gourmet kitchen cabinets, breakfast area, accordion hurricane shutters.  This lovely home features 2 bedrooms, 2 full bathrooms, dining room area with great view of the wide lake. Natural gas range and interior heating, appliance home warranty plan, plenty of closet space, two car garage, screened lanai overlooking beautiful lake.  This home is located in Cascades a 55+ resort lifestyle manned-gated community offering 24 hours service for privacy.  The Cascades offers it’s own 9-hole golf course, 10 lighted Har-Tru Tennis Courts, a  26,000 sq.ft. Clubhouse, outdoor pool & spa, fitness center, sauna, multi-purpose ballroom, media room, library, available to enjoy year round and much more! The community is conveniently located, minutes away from theaters, houses of worship, great restaurants, movie theaters, post offices and hospitals.

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.com,  www.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest

Active 55 Plus Community in Port St. Lucie, Florida

Active 55 Plus Community in Port St. Lucie, Florida.  If you are looking for the best retirement community and real estate investment that Port St Lucie has to offer, then look no further than Cascades At St Lucie West Community.  Located on the East coast of Florida in the heart of Florida’s Treasure Coast and St. Lucie West.  As an experienced Buyer’s Agent you can expect us to find the perfect home of your choice at the perfect price and terms, at no additional cost to you. If there are any homes that you would like to know more about, please send us the addresses or listing numbers and we’ll be happy to research them and provide you with additional information.

SEARCH OUR GREAT INVENTORY OF HOMES FOR SALE OR RENT

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.

Nicely done gourmet kitchen cabinets, breakfast area, accordion hurricane shutters.  This lovely home features 2 bedrooms, 2 full bathrooms, dining room area with great view of the wide lake. Natural gas range and interior heating, appliance home warranty plan, plenty of closet space, two car garage, screened lanai overlooking beautiful lake.  This home is located in Cascades a 55+ resort lifestyle manned-gated community offering 24 hours service for privacy.  The Cascades offers it’s own 9-hole golf course, 10 lighted Har-Tru Tennis Courts, a  26,000 sq.ft. Clubhouse, outdoor pool & spa, fitness center, sauna, multi-purpose ballroom, media room, library, available to enjoy year round and much more! The community is conveniently located, minutes away from theaters, houses of worship, great restaurants, movie theaters, post offices and hospitals.

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

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

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

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

  

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

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

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.com,  www.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest

Defects You May Overlook When Buying A House

Defects You May Overlook When Buying A House.  You love the house, but conventional wisdom will lead you to identifying defects that you do not want to overlook in your excitement about buying your house. Buying a house is one of the most important personal and financial decisions you’ll make.

Your home and its location will help define you and your family and will be the focal point for most of the activities of your lives for years to come.

Here are five strategies to identify defects that could be overlooked in the purchase of a house:

1. First, review the Inspect America Engineering website:

[www.inspectamerica.com]

This site is a wealth of information for you to understand when buying a house. One of the best features of this website is their extensive checklist for home inspections. You can print off all the pages and place in a binder for you to identify house defects.

2. Rely upon the expertise of a qualified licensed professional engineer (P.E) home inspector.
There are businesses out there offering their services for home inspections, but you should hire one with the P.E. certification.

3. Attend the inspection so that you understand all aspects of what to watch for. This is more helpful than reading a report.

4. Be sure to get a full written report from the inspector telling you, in detail, what is wrong, why it’s wrong, and what must be done to correct the identified defects. That checklist described in the #1 strategy is just to orient you. You will need an actual report, not a checklist when it comes to having real information to create that total picture of the house’s condition.

5. That detailed report from the licensed professional engineer will establish a professional relationship with that engineer so that you can go back to the engineer with further questions, advice, and direction.

Buying a house that you carefully select and have inspected is the best proactive step any homebuyer can take. Identifying defects, especially the hidden ones, can eliminate much of the uncertainty of your future in that house.

In order to help you remain an informed home buyer here is a list of some of the house defects that can be overlooked:

a) structural additions and renovations – that were most likely installed by the previous home owner

b) defective furnace heat exchangers

c) extensive water damage or leaks that can lead to structural damage

d) electrical concerns that do not meet current standards

e) irregularities in the: roof framing, exterior wall framing, interior framing, cracks in the foundation wall

f) proper grading of land around the home – to divert water away from the home to prevent the water from entering the home

There is nothing like peace of mind when it comes to making big decisions about which house to buy.

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

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

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Cascades Home Reduced For Quick Sale! 411 NW Sunview Way, Port St Lucie, 34986

Offered at $219,900

411 NW Sunview Way, Port St. Lucie, Florida, 34986
CASCADES BEST DEAL!

2 Bedrooms & 2 Baths, Den/Office, 2 Car Garage, Lakeview

Cascades Home Reduced For Quick Sale! 411 NW Sunview Way, Port St Lucie, 34986
Contact us for a preview of this lovely home and  community tour of Cascades at St. Lucie West (772) 224-1634 or (772) 224-9011

Gorgeous Ruby model light and open with spectacular waterview from the family room and large master bedroom.  Professionally decorated with built-in spacious family room and den, neutral 18” diagonal ceramic tile in living areas

Nicely done gourmet kitchen with 42” cabinets, ceramic tile counters, large breakfast area inclusive with table, chairs and built-in angled for extra seating with cushions.  This lovely home features 2 bedrooms, 2 baths with den or office, 2 full bathrooms, formal dining room with great view of the wide lake.  A new gas heater installed in March 2011, natural gas range and interior heating, a Service America home warranty.  Plenty of closet space, two car garage, screened lanai overlooking beautiful lake.  This home is located in Cascades a 55+ resort lifestyle manned-gated community offering 24 hours service for privacy.  The Cascades offers it’s own 9-hole golf course, 10 lighted Har-Tru Tennis Courts, a  26,000 sq.ft. Clubhouse, outdoor pool & spa, fitness center, sauna, multi-purpose ballroom, media room, library, available to enjoy year round and much more! The community is conveniently located, minutes away from theaters, houses of worship, great restaurants, movie theaters, post offices and hospitals.

Rent or Buy and experience the lifestyle you deserve.  The Cascades at St Lucie West is a premier resort lifestyle active 55+ community featuring Mediterranean-style architecture and beautifully manicured grounds.

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

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

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

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

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

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

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

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.com,  www.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

Life after bankruptcy and qualifiying for a home

Life after Bankruptcy and Qualifying for a Home.   Bankruptcy can help relieve you of your debts and stop harassing creditors from contacting you but have you thought about life after bankruptcy? Will you be able to qualify for a new home?

You can be approved for a new mortgage at a normal interest rate within 24 to 30 months after your discharge. If you can prove the bankruptcy was caused by medical reasons or a divorce you probably can be approved much sooner. But there are qualifications that you must meet to get a new mortgage and this all depends upon how you re-established yourself after the bankruptcy discharge.

Even if you don’t meet all the qualifications you can still get a mortgage but it will come with a higher interest rate and a larger down payment. Lenders will be inquiring about your finances and looking to see if you’ve paid your bills on-time since the bankruptcy.

So How Much Credit is Enough?

If mortgaging a new home, it will take more than a bank card with a $500 limit to re-establish your credit. Begin by concentrating on the necessities and time will work miracles. Start establishing the following:

1.    Bank checking and savings account
2.    A secured credit card from a reputable institution
3.    An auto loan

You will need at least 3 credit references since your bankruptcy.

Put Your Financial House in Order

It all starts with your money. Have you noticed that most people in dire financial straits seem to have everything? Large screen televisions, expensive appliances, fancy cars, etc? When you are discharged from bankruptcy you must cut expenses and stop throwing money away on useless things however the problem here lies with our mindset – we believe everything we have is a necessity; the new wardrobe, the mini-mansion, the over-priced automobile; you may very well deserve these things but if you can’t afford it you simply have to understand the obvious – You Can’t Afford It!

Did You Know –

After your bankruptcy discharge you can re-build your credit score within 24 months up to a high 800? But this requires paying all bills on time and securing new credit responsibilities to show that you’re ready.

I wish I could say that you’ll be automatically qualified but this all depends on what you’ve done since your bankruptcy and the lender’s guidelines.

Things that will Kill a Mortgage Loan Application

Start anticipating a bumpy ride; I know this sounds negative but it’s best to be prepared and after a bankruptcy it’s not a walk in the park. There are twists and turns but it will prove to be well worth the hassle so never give up.

There are things that will likely kill or just delay your chances for a new mortgage;

1.    Poor credit since bankruptcy
2.    High debt to income ratio
3.    Job instability
4.    Tax liens or levies against your paycheck
5.    Insufficient down payment

Reality hurts sometimes but when you’ve been given a second chance you should know you have to prove yourself all over again. The most important thing here is to know that you must take a hard look at how you’re living and the work you must put into re-establishing your credit. This will improve your chances not only for a mortgage but living encumbered without the benefits of good credit.

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.com,  www.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

Discovery Tour of New Florida Retirement Communities

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 3^rd 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.com,  www.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

Buying your first home in today’s market by Bold Real Estate Group

Buying My First Home in Today’s Market

Today’s real estate market offers some of the best opportunities if you’re buying your first home.  Low interest rates, a plethora of homes for sale and first time homebuyer programs offering tax incentives and enticing down payment and closing cost assistance to help you acquire your dream home.  But the preliminaries can become confusing and often deter many homebuyers.  Your first solution is to always work with a Realtor-Buyers Agent who offers FREE and exclusive Buyer Representation, because professional advice always outweighs a wing and a prayer.

Buying a home is one of the best investments in your life. It provides stability and it will become your primary tangible equity resource in your life.  I’ve always been told that if there is one permanent thing you could want it is a roof over your head.

The current market has its obstacles whereas everyone and anyone could get a mortgage loan two years ago and now the criterion has changed – for the better!  A good, stable and positive credit history is required accompanied by a healthy bank account. Lenders will heavily base their decision for a loan on your credit score and while these guidelines are not cast in stone, a score that is as close to 720 or higher is lined in gold and will get you closer to obtaining your dream home than a score in the mid-600’s.

While credit histories deter many homebuyers now is the time to begin working on improving your credit score.  Sure, it’s true that interest rates will go up some but why keep waiting to fix your credit history?  You just prolong ever becoming a home owner. Just think in a year what you can accomplish; programs will still be intact to help you with down payments and closing costs and your FICO credit score will be higher to qualify you.  And many people always think the worst when it comes to their credit history but until you actually speak to the professionals – a Realtor-Buyer’s Agent and a Lender – you’ll never know what position you’re in for a new home.

Do you really need to act that fast to get into a home?  Yes! Market indicators all suggest that the economy is standing steady but interest rates will undoubtedly not go lower than they are right now which means if you wait another six months to a year to purchase a home you could be looking to pay thousands of dollars more in interest.  This means a larger monthly mortgage payment, more of a down payment and a larger loan package. Not to mention once the real estate markets begin to become more stable home prices will start to inch back up.   Click Mortgage Calculator for quick estimate of mortgage payment.

Two years ago many people could not qualify for a single family home because their income was too low for such high-priced real estate but with today’s new home prices, first time home buyers are in a better position, especially with all the new programs to help you buy.

Every state has some program now that helps with either the down payment or closing costs.  There are guidelines and criteria to meet but for many this means realizing their dream that much quicker.

Understanding all of your options and the value of purchasing now is very important.  Today’s market is so advantageous that you can’t afford NOT to purchase a home.  Talk to a Realtor-Buyer’s Agent quick while homeownership is ripe for the taking!

Single Family Residential Properties

Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $0 – $100,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $100,000 – $200,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $200,000 – $300,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $300,000 – $400,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $400,000 – $500,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $500,000 – $750,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $750,000 – $1,000,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $1,000,000 – $1,250,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $1,250,000 – $1,500,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $1,500,000 – $1,750,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $1,750,000 – $2,000,000
Single Family Residential Properties for Sale in Port Saint Lucie, Florida Between $2,000,000 – $2,750,000

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 Florida Cities:  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.

The 4 Factors That Make Or Break Your Mortgage Loan Application By Bold Real Estate Group

There are 4 primary factors a loan processor will look at when you’re being considered for a mortgage loan. Many prospective buyers fail to take the time and review those factors that will be considered and this can lead to disappointment.

By having a clear understanding of your financial history you’ll be able to cleverly negotiate your loan terms.

Income & Employment

• What is your gross income?

This question is used to gauge your pre-tax and pre-deduction earnings. This is the baseline lenders use to determine the mortgage amount that you will qualify for.

• Do you make any overtime pay or bonuses?

This question is used to determine if you have any other income that can be utilized toward increasing the approval amount.

• How long have you been employed?

This question is used to weigh stability of your income. Individuals who jump careers every few years are considered to be a higher risk when it comes to loans than someone who has stayed at the same place of employment doing the same type of work for 24 months or longer.

Debt

• What is the minimum amount you pay toward all unsecured loans each month?

This question is used to determine the amount of disposable income a borrower has once all of their monthly financial obligations have been met. Unsecured debt applies to credit cards, personal loans, student loans, car payments or any other monthly payment currently being made to satisfy a debt.

• Do you have any debts in default or collection?

Your credit report will reveal the negatives, however, here is an opportunity to acknowledge extenuating circumstances for any negative debt. Not all negative items are a death sentence when it comes to a mortgage approval. This question is designed to help a loan officer assess your overall financial health,
Credit

Once a lender has pulled a borrower’s credit they may have questions on items that exist on a credit report. The most common questions are to verify and respond to negative items that exist.

Money for Move In

Lenders want to validate available assets that can be applied toward down payments and closing costs when making a home purchase. The more available funds a borrower has to close on a home the less of a risk they are considered meaning that they are more likely to obtain a loan. The following are some of the more common questions that a lender will ask in regard to money for move in.

• Do you have a savings account?

• How much is in your savings account?

• Do you have an IRA or a 401K that you could access for additional funds?

• Do you have a family member that would be willing to provide you funds as a gift for down payment or closing costs?

Lenders questions will vary from one borrower to another based on the buyer’s unique financial situation. However, this information can be utilized as a baseline guide for being prepared when applying for a mortgage.

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.com,  www.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

New Incentives To Buy A Fannie Mae Foreclosed Home By Bold Real Estate Group

Everyone has heard how good of a deal you can get when you purchase a foreclosed home but just how good is “good” and how do you negotiate a good deal?

Finding the Deals

Remember that negotiation dealings will vary depending on the current stage of the foreclosure process.

• First, to get a great deal you should consider fixer-upper foreclosed homes for a higher profit margin. Fix the property up and instantly you’ll increase the value in the home. This type of distressed property can be purchased under market value with a renovation loan to take care of needed repairs.

• Check prices in the neighborhood. Your realtor will do comparisons of the most recent six-month period. You’ll want to stay at least 20 percent below the median price of recent sales in that neighborhood.

• Search bank websites since many list their foreclosed properties for sale online.

• Look up government-owned listings. HUD and Fannie Mae, just to name a few, both list their foreclosed properties online. Once you find a home you’re interested in, your agent will make an offer through the representing agent of that property. But the departments warn that the homes are sold “as is” and after the sale is made, the government is not responsible for any repairs or problems.

Negotiating with the seller (banks)

Find important clues to cleverly negotiate with the banks;

• Days on the market: How long has the property been in the market?

• Offers received: How many offers have been received so far? You may not necessarily get an exact figure, but it does not hurt to ask. Is the foreclosed house under contract or are there any pending offers? Was any contract canceled? Was it due to a financing contingency or inspection?

• Condition of the foreclosed property: Age of the house, roof, appliances, air-conditioning unit, water heater, etc.
While a foreclosure seems like a good deal, foreclosures can come with some downsides including homes that have liens against them. It can also be difficult or downright impossible to inspect foreclosed homes in advance of their sale, which means there’s no time to check if the basement is flooded or if there are any appliances left.

So while its harsh, it’s still true that you can benefit from others misfortunes by seeking homes reclaimed by lenders. While foreclosed properties do involve risk the bargains are way-to-good to pass up.

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.com,  www.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

Knowing The Real Monthly Mortgage Payment A First Time Homebuyer Will Pay By Bold Real Estate Group

As a first time homebuyer, you will be exposed to hundreds or thousands of ads everyday; media stories, friends’ advice, and online mortgage calculators that will provide you with partial information. All of these sources will lead you to believe that you can have a larger home loan balance with what seems to be a very low monthly payment. Or they will show you a monthly payment that seems extremely affordable for what you are looking for, trying to hook you to make the purchase.

The underlying truth though is that most of these monthly mortgage payments that you will come across are not completely accurate. Most of the super low mortgage payments that you see advertised are targeted to a specific homebuyer who has perfect A credit and usually do not include Property Taxes or Homeowners Insurance that you will also need to pay for each month.

Marketing departments are very smart and will show these low payments just to generate leads.

The marketing ploys usually have a small fine print that tells a different story. These super low payments will typically require extremely high credit scores in the high 800s and at least a 20% down payment.

If you put less than 20% down, your monthly payment could then also include mortgage insurance to be added to your payment. Look closely in the fine print, if you can locate it and you will see all the requirements to qualify for that payment and what type of loan program it is.

An advertisement does not know what your credit score is or if you plan on putting down a down payment.

Your monthly mortgage payment will typically include Principle and/or Interest payments, Property Taxes, Homeowners (Hazard) Insurance and possibly even Mortgage Insurance. It is important to talk to your loan officer and find out exactly what your TOTAL monthly payment will be and what will be included in that payment.

Keep in mind too, that some neighborhoods will require you to pay a Home Owners Association fee or other Community specific fees each month on top of your monthly mortgage payment. If you are used to renting, you also may not realize all the different utility expenses that you will need to pay as a homeowners instead of a renter.

In order to keep your overall monthly expenses in your comfort zone, it is very important to know your TRUE monthly payments and expenses. You don’t want to buy your first home only to find that it is a financial burden. Buying your first home should be a great point in your life, not a financial nightmare.

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.com,  www.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com