Saturday, November 7, 2009

Port Charlotte & North Port Cleaning Services.



Port Charlotte / North Port Cleaning Services.

Tuesday, September 15, 2009

Are You Ready To Buy Rental Property?


Are You Ready To Buy Rental Property?
Buying Rental Property




Are considering buying rental property. Congratulations. You are now among the millions of people each year who consider buying investment real estate. But are you ready for the next step to actually buy a rental property? Before you dive in, make sure you do some research first and find out what it is really like to be a landlord. Despite what you may have heard elsewhere, there is a lot to know and it is a lot of work. But that doesn’t mean it isn’t worth the effort. If you want to be successful, you must understand what to expect before you begin renting.

Owning rental property can be very rewarding financially and otherwise. While it is possible to sit back and collect income year after year without doing any work on your property, it is not a very realistic expectation if you want to maintain a profitable investment for years to come. Finding a home rental or apartment rental that will reap you a net profit each year is not very difficult, but maintaining a 20% return on your investment or selling the property in 20 years for a large profit will likely take some regular effort on your part.

Becoming a successful rental property owner requires that you do whatever it takes to rent your property, keep your tenants happy and maintain your property so it can be easily rented year after year. That means you must actively seek renters to fill your vacancies, respond to your tenants needs and take the time to make repairs that will last and even increase your property value. Anyone can pick up a roller and paint a room so it looks pretty. But not everyone can fix a leaking pipe or replace a broken windowpane. Make sure you know what you are doing, have someone that can help you or be prepared to pay for house repairs and cleaning services.

When choosing an area where to buy a rental property, there are several things to consider including, distance from your home, supply of potential tenants, average rents you can collect and the ability of tenants in that area to pay you. There are many advantages to renting in an area such as a college community because there is always an ample supply of tenants, rental income is usually higher than most other areas, and vacancies can be limited. Also, students often have parents who will pay their rent.

Take some time to read articles on renting and becoming a landlord before you move ahead and buy a rental property. Participate in on line forums that discuss the pros and cons of buying rental property. Talk to other rental property owners to hear their thoughts on being a landlord. Be sure to ask what it is like to rent to students, how they deal with vacancies, and what other issues they have renting in a college community. Investment real estate can be a worthwhile investment if you are well prepared to face any challenges that may come along. And of course, after you acquire your rental property, be sure to list it with Off Campus Network.com!

NEED HELP FINDING DEALS?

Thursday, August 6, 2009

Fighting Florida Foreclosure

Tips on Fighting Florida Foreclosure

The foreclosure process is never a simple process. Not only is it quite difficult on those involved, it may make things more difficult financially in the long run.
This is why one must learn how to effectively fight foreclosure by avoiding it overall.
In this section we will discuss many of the effective tips on fighting foreclosure and avoiding the negative impacts a foreclosure may bring to your financial future.
First, and foremost, if you fall behind in your mortgage payments and your lender sends out letters to your home, always respond back.
Rather than ignore your lender and the overall problem, the homeowner fighting foreclosure should always contact the lender immediately in order to find out what exactly the problems are on their end.
In addition, we recommend that one also contacts an HUD approved Housing Consultant which can be contacted by calling toll free 800-569-4287 or at the HUD website at (http://www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm).
It is important to remember that any homeowner fighting foreclosure should NEVER ignore the problem as the longer one should ignore the foreclosure threat while fighting foreclosure, the more likely they will lose their home altogether and have less chance of getting their home reinstated.
So when any mail from your lender should enter into your mailbox, it is of extreme importance to take responsibility and keep on top of responding to the lender’s queries and keep a good line of communication open with them as the first letters will indeed be helpful for you in fighting foreclosure, but the longer you wait to open any mail from the lender, the more pending legal actions will begin to appear and your not opening any of the mail or simply stating that you never received the mail from your lender will not help provide any excuses at all in the foreclosure court.
Remember that the lender does not want a foreclosure any more than the homeowner does. They do not want to take your house away from you. So it is imperative that you contact the lender immediately to find out how you can effectively fight the foreclosure alongside the lender.

If you simply cannot make the payments on the mortgage and have to start fighting foreclosure, be sure to review your loan documents and research your mortgage rights in order to know what the timeframes will be before the lender will take any actions against you in addition to what types of actions the lender will take during your foreclosure process.

Once again, if you feel as though you may need some additional assistance in fighting foreclosure, be sure to contact an HUD-approved housing counselor who will, for little or no cost, help you find the best options in regards to fighting foreclosure on your home. Again, HUD counselors can be contacted at 800-569-4287 or at the HUD.gov website.
Overall, fighting foreclosure means preventing foreclosure. Keeping your home should be one of any individual’s main priority, other than health care expenses.

If a person feels as though hey are going to be fighting foreclosure in the future, they may want to take some action in order to a least lower their monthly expenses on cable TV, car payments, credit cards, and more.

In addition, one could also find ways of producing more liquid cash by liquidating some of their assets in order to keep their home while fighting foreclosure.
If you find yourself fighting foreclosure, one thing to remember is to never trust any companies that specialize in foreclosure prevention and claim to act on your behalf in order to save your home. They may simply be taking the title to your home away from you.

The best thing to do is to, again, contact an HUD Housing Counselor in order to obtain to right advice on what to do from experts in the field of fighting foreclosure who know what people are going through and who want to help homeowners avoid foreclosure altogether.

Need Short Sale Help Call Jessica (941) 421-4052

Thursday, May 28, 2009

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Sunday, May 17, 2009

What You Need Before Your Home Loan Process

What to Prepare before Beginning the Home Loan Process

The following information is typically needed for a home loan application:

  • Copy of the purchase contract and property information
  • Mailing address and property description
  • Contact information for access to the property

Personal Information

  • Social security number
  • Marital status
  • Number and age of dependents
  • Current address and telephone numbers
  • Addresses for the past seven years (if more than one)
  • Current housing expenses (rent, mortgage, insurance, taxes)
  • Name and address of landlord/mortgage holder (past two years only)
    Read More........


Southwest florida property management

Port Charlotte Maid Cleaning Service

Friday, May 15, 2009

First Time Home Buyers Tax Credi

New $8,000 Tax Credit for Home Buyers Available

Attention potential home buyers! Take advantage of an $8,000 tax credit toward the purchase of a principal residence for first-time buyers on or after January 1, 2009 and before December 1, 2009. And to make the deal even better, the credit does not require repayment. It’s all part of the American Recovery and Reinvestment Act.

Thursday, May 14, 2009

Ask Your Port Charlotte Realtor 14 Questions.

14 Questions to ask a Realtor

What is your guarantee?

• Do you personally answer all phone calls on the property?

• Can we cancel the listing if we're not happy?

• Do you have a personal assistant?

• If you don't call me back within 24 hours will you take $50 off the escrow?

• May I see your person Internet web site?

• What systems do you have in place that will keep you in constant contact with me during the listing and the transaction?

• Are you fully automated with your own personal computer, FAX machine, copier, pager, voice mail, etc.?

• What is your average market time vs. other agents' average market time?

• What professional designations do you have?

• I want to give my home the advantage of the latest marketing strategies. How much time & money do you invest each month in professional training?

• Can you give me a list of your clients who have closed escrow and can I call them?

• Why are you personally motivated to sell my house?

• Why should I list with you rather than any other agent who is calling


JESSICA COLEMAN / Realtor CENTURY 21 AZTEC & ASSOCIATES 4456 Tamiami Trail
Port Charlotte, FL 33980Ce: 941-421-4052 Send me an email Web: www.FlaOpenHouse.com

Free Report For Renters

Renters! - How to Stop Wasting Money on Rent And Own a Home Instead

- Free report reveals how to stop throwing away thousands of dollars a year on rent.
Port Charlotte (FL)
- A free report entitled "How to Stop Wasting Money on Rent and Own a Home Instead" has just been released showing renters how easy it is to buy a home in the Port Charlotte area. This report contains tips on finding a home and getting the best

mortgage rates. If you call now, we will also include a copy of "The Five Questions to Ask Your Lender Before You Sign Anything."
These Questions may surprise you, even shock you. And they may save you thousands of dollars.
Call now to get a copy of the questions that most lenders hope you never ask! Call (941) 421-4052 for your free report and a copy of the questions for lenders.

Tuesday, May 12, 2009

Port Charlotte Florida Homes Buying Process..

The Home-Buying Process In Port charlotte Florida

What to Expect When You Are Buying a Home in Port Charlotte, Florida

Evaluate Your Needs – I will meet with you to discuss your specific needs in a home and analyze your resources. We will establish a set of criteria about the type of home and features that are most important to you.

Loan Consultation – I will provide you with guidance in finding a financial institution, and support you in obtaining information on available financing options. A licensed loan consultant can help you determine a realistic range of affordability and can provide you with a letter of pre-approval.

Market Education, View Properties & Select a Property – I will research available properties, and show you homes based on the criteria that we establish. As we view different homes we will reassess your criteria. The more precise and direct you are with me, the more successful our search will be.

Structure an Effective Offer – Once you have found the home that you wish to purchase, I will do all the necessary research to help you structure an effective offer. We will write the purchase agreement and I will advise you on protective contingencies, customary practices, and local regulations.

Present Your Offer – I will present your offer to the seller and/or the seller’s agent. The seller has three options – to accept, reject, or counter. My personal knowledge of your needs and qualifications will enable me to represent your offer in the best light.

Respond to the Seller – I will review the seller’s response with you. If the seller has countered your offer, you will have the option to accept, reject, or counter. My negotiating skills will benefit you in reaching a satisfactory agreement.

Open Your Escrow – When the purchase agreement is accepted and signed by all parties, I will open escrow for you and your initial deposit will be given to the title company. The title company is a neutral third party that will receive, hold, and distribute all funds associated with your transaction.

Remove Contingencies – Prior to closing, all of the contingencies of the Purchase Agreement must be met. I will coordinate the removal of these contingencies and review all documents with you.

Typical contingencies include:

▪ Approval of the seller’s transfer disclosure statement
▪ Approval of the preliminary title report
▪ Loan approval, including an appraisal of the property
▪ Physical inspections of the property

Close Escrow – When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder’s office and you will take ownership of your home.

Friday, May 1, 2009

Port Charlotte Fl, Realtor Help and Information

Information for Home Buyers in Port Charlotte and Punta Gorda, Florida FIND PORT CHARLOTTE REALTORS

My focus is to make the process of buying a home as efficient and seamless as possible. It is my job to support you in finding the right home with the best possible terms, and to assist you through the entire process. This section will help explain the process of buying a home. This material will familiarize you with the various activities, documents and procedures that you will experience in the purchase of your home.
I am a full time professional realtor based in Port Charlotte, Florida. I am licensed by the State of Florida to provide real estate services. I abide by a strict Code of Ethics to provide you with the highest level of service. I am part of a team of experienced Realtors ® with a wealth of real estate knowledge and various market resources. I am committed to serving you with integrity and respect.
A large part of my work is performed “behind the scenes”: previewing homes, researching comparable sales, gaining market knowledge, evaluating changing legislation and maintaining my professional credentials. For every hour I spend showing you homes, I will spend numerous hours in preparation. I constantly acquire new and updated information that will help me to better serve you.
I work entirely on commission, which I receive only if I initiate and complete a transaction. I am compensated only when all of your needs have been satisfied and you take ownership of your new home.

SERVICES FOR Port Charlotte / Punta Gorda HOME BUYERS

I perform the following services for my clients interested in purchasing a home:
  • Educate you about current market conditions
  • Obtain a Buyer’s Relocation Package for you
  • Conduct a daily search for appropriate properties
  • Schedule immediate showings of appropriate properties
  • Provide experienced counsel when writing a competitive offer
  • Provide you with a list of reputable lenders
  • Provide you with a list of qualified and licensed inspectors
  • Help you visualize cosmetic updating
  • Provide utilities, phone list, and change of address forms prior to close of escrow
  • Furnish a DMV Driver’s Handbook and Voters Registration Card (for out-of-state residents)
  • Be present at escrow signing appointment at the title company
  • Provide a complete file at the close of escrow
  • Offer continued service beyond the sale

    Need Help Finding Your Dream Home Call Jessica Coleman, (941) 249-2366

Wednesday, April 8, 2009

Things to Do When Selling Your Port Charlotte Property!

Know Why You Are Selling Your Property, and Commit to the Process!
Have a clear reason for selling your property. You may not want to share you motivations completely with anyone, but it will help you when setting your asking price, and negotiating offers and contingencies. In any market some homes that are listed for sale just don’t sell. These expired listings as they are called in the trade can be numerous. Why? The reason is often simple the seller didn’t have a clear reason for selling and therefore didn’t commit to the process. Often times these owners offer their property for sale to “test the market” to see if they can get an unrealistic price. Unfortunately this usually backfires into a downward spiral. As a property remains on the market for a long period of time, a stigma can occur in the mind of a potential buyer. Buyers wonder what is wrong with that house or condo. Why has it been on the market so long? Each market and property type is different with respect to the average length of time a listing remains on the market before closing. If you are serious about selling, go about it the right way first.


Hire the Right Agent to Sell your Property!
Roughly 90% of all real estate transactions nationwide involve a professional real estate agent. Unless you are an expert in marketing real estate, it is in your best interest to hire a licensed professional realtor. There are many different types of realtors. Some only dabble in real estate from time to time as needed, while others have a license to benefit their own transactions. Most people wouldn’t hire a surgeon that dabbles in surgery from time to time, yet when they’re ready to sell one of their most valuable possessions, they don’t give it much thought. Find a full time realtor, one who knows the market because they see it and work with it every day. When looking for a realtor, ask friends and neighbors for referrals, make appointments to meet several top real estate agents in your area. Don’t be afraid to ask a realtor what they are going to do to sell your property. Any real estate professional welcomes this question. While interviewing a potential realtor, carefully listen to what they say. Are they being objective, or are they telling you everything you want to hear based on what you’ve told them? A realtor should be a source of information and advice, not an echo.

Embrace Technology!
This part is easy. No mater how comfortable you are with technology, make sure your realtor is, and that they will utilize this powerful tool to sell your property. Today marketing real estate is more than a ‘for sale” sign, newspaper ads, mailings and the local Multiple Listing Service. Many buyers are shopping for properties on the internet long before they arrive in your neighborhood or even your state. Find an agent willing to place virtual tours and multiple photos of your property on several different websites. In addition to my personal website, you will find all of my listings on nine different websites. At any time a visitor to FlaOpenHouse.com can view all available properties for sale in Port Charlotte & Punta Gorda, or Ft. Myers. Many realtors won’t make virtual tours of a property, or go to the added expense of multiple websites. The reason is simple, it’s expensive. Worried about their out of pocket expenses from the start, doubts prevent them from going the extra mile. If a realtor is worried about spending a lot of money marketing a property that might not sell, then they have the wrong attitude, and possible the wrong listing.

Price it Right from the Start!
While location is the most important feature to consider when buying a property! Price is the most important consideration when selling a property. Location is the most important feature to consider when buying a property! When you are ready to sell your property, you obviously can’t change the location. Hopefully when you purchased it you remained aware of the top ten tips when buying any property. Price is now extremely important. If you have an unrealistic view and set your price too high for the market, you will have trouble selling. Buyers look at “comps”, this is the trade term for any similar property with many of the same features. If you are working with a good realtor, they will be armed with knowledge of the sale prices for all properties that closely match yours. They will also have all the listings of properties currently offered for sale in the price range you are considering. Listen to a professional when setting your asking price. Below are the damages that occur when your initial price is too high.

- The Property Isn’t Seen By The Right Buyers!
Good realtors are aware of new listings immediately when they come on the market! They have many buyers that they are working with. If the seller knowingly overprices their property, it will not be exposed to the right buyers. For example: A homeowner has been informed that the homes like his, when listed around $479,000 are selling for $450,000. Instead of listening to the “comps” the owner decides to ask for $539,000. The owner may be thinking “I’ll just test the market. I can always lower my price”. Now this new listing sets all the aggressive realtors in motion. Eager to bring the buyer, realtors consult in their contacts lists. Continuing with above example, assume a realtor has buyers in the following price ranges: $400,000 - $450,000, $450,000 -$500,000 and then $500,000- 550,000. The following things happen. Buyers in the lowest price range probably won’t see or be contacted about this home. They and their realtor have no way of knowing that seller will consider or possibly expects a substantially lower offer. Only the sellers listing agent knows that the list price is wishful thinking. Buyers in the $450,000 – $500,000 price range will have mixed reactions, if they are shown this house at all. Now for the buyers that will see this house the most. They are looking in the $500,000 - $550,000 price range … right where this home is priced. This overpriced home will now pale in comparison to all the realistically priced homes in this price range. This only makes the seller and the seller’s agent look uninformed and foolish.

- Don’t Drop The Price Too Late!
After on overpriced listing has had several showings, and no offers, the seller decides to reduce the price. Hopefully they aren’t too late. Now the home is priced right. Here come some new buyers. Their reaction if the price reduction is too late will be “Wow, this is a nice home, but why has it been on the market so long? I wonder what’s wrong with it. I’m going to keep looking.” This is a hard position to be in as a seller. A good realtor will help a seller avoid this costly mistake. Be cautious when interviewing several realtors, of the one that suggests an unrealistic asking price that isn’t supported by the market with recent “comps”. They might have a hidden agenda. Some realtors, once they’ve listed a property by gaining the owners trust and confidence, will then badger the owner to lower their asking price. They will also tell the owner all the reasons why the price is too high. Something they should have addressed before they took the listing.

Get Your Home in Show Shape!
This can be overwhelming for some people, but shouldn’t be. Look at your home or condo through the eyes of a buyer. If you have a hard time doing this ask a friend to help you, or more importantly ask your realtor what needs to be done. Buyers want to come into your home and picture themselves in it. Keep that one thought in mind as you go through each room. It’s human nature to remember negative things. Avoid giving the buyer any bad features to remember about your property. Here are some helpful guidelines and tips to assure that a home shows well and is attractive to a buyer.

- Clean The Property Inside and Out!
If you have a yard, keep it tidy, weeded and trimmed. Try to avoid unusual yard ornaments, cluttered potted plants, and things hiding under brightly colored tarps. Focus on the entry into your property. Make it the best it can be. For the exterior, power wash stained decks, siding, patios, eves, and windows. Repainting is costly. You may be able to retouch the existing paint as needed. Inside you should also focus on all the major surfaces. Retouch paint, clean baseboards, stair treads, clean carpets, windows, and polish all wood surfaces from floors to cabinets. You always use a cleaning service to help if you dont have the time to do a good overal cleaning.

- Fix or Replace Things that are Broken!
Unless you are selling your house AS IS, fix the things you know are broken. If you don’t fix them now, chances are you will have to fix them later. Why risk having a small detail send a red flag to a potential buyer. For example: If your front door won’t open without forcing it, a buyer might think there are several other things wrong with the maintenance of your home. The same goes for leaking faucets, running toilets, locks that won’t lock, cracked plug plates…..you know what should fixed or replaced.

- Store the Clutter!
It’s important to understand that I didn’t say get rid of the clutter, just store it. When faced with a potential move, having to sort through accumulated possessions can become a time sink. Often the “paralysis of analysis” sets in, resulting in little progress. Invest in some durable plastic containers and labels. Fill the containers and store them. If the home doesn’t have room, place them in a storage facility. Buyers when faced with a property that is visually cluttered will have a hard time seeing past all your things.

- Organize Closets, Cabinets, Cupboards, and Shelves!
After storing the clutter, tidy the rest. If your closets are overstuffed with clothes, or linens clean them up. A buyer will assume there isn’t enough space in your home for their stuff if there isn’t enough space in your own home for your stuff. Don’t assume a buyer won’t look somewhere because they will. Buyers will open cupboards, look under the sink, go in you closets, open shower curtains, draw the blinds on the windows, and more. Show off the storage space your home has.

Remove Excess Personal Items and Toiletries!
A home should be a reflection of the homeowner, unless the home is for sale. This is a tricky and important area to address. Buyers are trying hard to picture their belongings in your home and themselves living there. If they can’t see your home because everywhere they look they see you, your family, your children’s art work, your friends, your awards, and your trophies, they will have a more difficult time envisioning their dream. Less is more. All of the above items are great to have and show but in moderation. Pick and choose then store the rest. The last thing to mention is toiletries. Store them. This is simple to do. Be ready for a showing each day. For each person in your household assign a small plastic storage box. When they leave for the day all their personal items go into the box and placed under the sink or somewhere out of the way. Nobody wants to look at your toothbrushes, razors, deodorants or other personal items!

Stage Your Property for Sale!
What does it mean to stage a home or condominium for sale? Staging is simply the process of preparing a property for sale so that it is visually pleasing to a buyer. In fact there several businesses that do nothing else but help owners stage their homes for sale. Cleaning, storing, organizing, and fixing broken items are the first phase of staging. The last phase of staging is simply the art of placing items and arranging furniture to make each room more inviting and appealing. Often overlooked, this last step is the easiest and most fun to accomplish. Think of a home as a product on the store shelf. Once it is priced right, the packaging must be appealing so that the buyer will choose it over other similar homes. Here are some tips for staging each room in your home.

Foyer or Entryway: Fresh flowers or a plant make a nice welcoming impression. If the home is vacant place a tasteful silk arrangement in the entry.

Kitchen: The kitchen is the heart of the home. To help buyers envision enjoying and using your kitchen, have a bowl of fresh fruit on the counter or table. Try placing a cookbook open on a stand to a cookie recipe next to a wooden spoon and mixing bowl.

Bathrooms: Place large attractive towels rolled or stacked near the tub or shower. If you have room arrange lightly scented candles on a tray near the tub, on the counter or window sill. Remember the rule of three when decorating. It’s best to use three different sized similar candles. Try to avoid heavily scented candles or potpourri. A potential buyer may think that you are trying to hide something.

Living Room or Family Room: Music is wonderful if played softly in the background and the selection is pleasing. Arrange a cozy afghan on a comfortable chair or sofa along with an open book or a book arranged on top. It will create a warm comfortable feel to the room. Be sure that your furniture is arranged in an inviting manor. Try to avoid placing the backs of furniture to the main entrance into the room. Mirrors should be hung to reflect attractive views, not blank walls. Fireplaces, if wood burning, should be clean and look ready to light. Unused fireplaces look warm when filled with candles.

Dining Areas: Many buyers love to entertain. Help them visualize their friends and family gathered in the home by setting the dining table with attractive place settings, utilizing chargers and goblets. Place a large bowl of fruit or fresh flowers on the table. For more casual dining areas, such as breakfast bars, kitchen tables, and patio tables, set attractive place mats and centerpieces.

Bedrooms: Beds should not be visible from the entertaining rooms of a home. The buyer wants to feel that each bedroom in a home is not only cozy and inviting but private. The challenge comes when a home has bedroom doors that open into entertaining spaces. Try to arrange the bedroom so that dressers or end tables are viewed when the bedroom door is left open, and not the bed. If this can’t be done consider a tall well placed plant, or screen. Several final touches can transform a bedroom from a place to sleep to a cozy retreat for lounging, reading, or napping. An attractive breakfast tray with a small bud vase and napkin can be placed on top of the bed. Afghans can be draped loosely over the foot of the bed or armrest of a comfortable chair with a book. A small writing desk with stationary and pen is always a nice touch in a guest room or master bedroom.

Garage or Storage Areas: It’s tempting to throw all the excess clutter in the garage. Sometimes it can’t be avoided. If you can’t store the stuff, organize it and make the garage look larger. A fresh clean coat of paint can do wonders in this often neglected area of the home. If space allows, create work areas such as garden supplies, household tools, outdoor toys, etc.

Be Flexible and Ready to Show your Property!
Many showings of a property can occur with little advanced notice. A good realtor will be ready to accommodate a last minute showing, and the owner must be equally prepared for their property to be seen. The best way to accomplish this when living in the home is to create an exit plan. Checklists can be helpful to verify that rooms are tidy, and toiletries are stored before leaving. Discuss with your realtor which lights should be on, music that can be played, and how to address any pets.

Be a Smart Negotiator!
Everything so far has been done correctly, and now there is a written offer for the property. There is no proven formula to follow when responding to an offer but some general principles usually apply. Try to gain as much knowledge about the buyer’s needs and motivations as possible. For instance if they are doing a 1031 tax exchange they may be under tight time constraints, and need to buy a property quickly. Did they make a low offer because they feel a lot of work needs to be done to the property? If at all possible it’s best to try to negotiate a Win/Win agreement. Unless the seller is in no hurry or it’s a hot seller’s market, it is always wise to try to negotiate a reasonable contract once it arrives. A professional real estate agent will help their seller determine the correct course of action to accomplish their goal which is to sell their property and be satisfied with the outcome.

Thursday, March 19, 2009

Clean Your Home With Organic Super Cleaning Concentrate

Ten Important Questions to Ask Your Home Inspector

Ten Important Questions to Ask Your Home Inspector

1. What does your inspection cover?

The inspector should ensure that their inspection and inspection report will meet all applicable requirements in your state if applicable and will comply with a well-recognized standard of practice and code of ethics. You should be able to request and see a copy of these items ahead of time and ask any questions you may have. If there are any areas you want to make sure are inspected, be sure to identify them upfront.

2. How long have you been practicing in the home inspection profession and how many inspections have you completed?

The inspector should be able to provide his or her history in the profession and perhaps even a few names as referrals. Newer inspectors can be very qualified, and many work with a partner or have access to more experienced inspectors to assist them in the inspection.

3. Are you specifically experienced in residential inspection?

Related experience in construction or engineering is helpful, but is no substitute for training and experience in the unique discipline of home inspection. If the inspection is for a commercial property, then this should be asked about as well.

4. Do you offer to do repairs or improvements based on the inspection?

Some inspector associations and state regulations allow the inspector to perform repair work on problems uncovered in the inspection. Other associations and regulations strictly forbid this as a conflict of interest.

5. How long will the inspection take?

The average on-site inspection time for a single inspector is two to three hours for a typical single-family house; anything significantly less may not be enough time to perform a thorough inspection. Additional inspectors may be brought in for very large properties and buildings.

6. How much will it cost?

Costs vary dramatically, depending on the region, size and age of the house, scope of services and other factors. A typical range might be $300-$500, but consider the value of the home inspection in terms of the investment being made. Cost does not necessarily reflect quality. HUD Does not regulate home inspection fees.

7. What type of inspection report do you provide and how long will it take to receive the report?

Ask to see samples and determine whether or not you can understand the inspector's reporting style and if the time parameters fulfill your needs. Most inspectors provide their full report within 24 hours of the inspection.

8. Will I be able to attend the inspection?

This is a valuable educational opportunity, and an inspector's refusal to allow this should raise a red flag. Never pass up this opportunity to see your prospective home through the eyes of an expert.

9. Do you maintain membership in a professional home inspector association?

There are many state and national associations for home inspectors. Request to see their membership ID, and perform whatever due diligence you deem appropriate.

10. Do you participate in continuing education programs to keep your expertise up to date?

One can never know it all, and the inspector's commitment to continuing education is a good measure of his or her professionalism and service to the consumer. This is especially important in cases where the home is much older or includes unique elements requiring additional or updated training.

Saturday, February 28, 2009

Should You Try to Sell By Owner?

Should You Try to Sell By Owner?

The truth is that only about ten percent of owners successfully sell their home on their own. That varies by region and the number goes up a tad for professional real estate investors because they are more familiar with real estate than your average homeowner.

Those that do sell their home successfully usually accept not only a lower price, but they net less than if they had sold it with a professional qualified real estate agent helping them - especially in an uncertain market with high inventory.

Like today.

It would currently take almost nine months to sell all the homes currently on the market at the current sales pace, even if no new homes came on the market. That is with all the advantages of a real estate agent and the Multiple Listing System (MLS) at your side. On your own, it's even harder.

So why is the MLS such a big help?

Well, if you run an ad to sell your home, you not only have to pay for the ad but you can only sell your home to those that see your ad. That limits demand. As everyone who has taken Econ 101 knows, the more demand for a product, the higher the price: The less demand, the lower the price.
By sharing information about your home via the MLS with all other Realtors and brokerages in the area, you increase demand for your home.
Not only does your agent's company advertise, but so do many others. Since less than ten percent of prospects actually buy the home they see advertised, real estate agents have to find them another home to purchase.
Realtors find those homes in a database called the MLS. Unless you are an agent, you do not have access to the program. As a result, not only is your agent working to sell your home, but so are all the other MLS members, too. Your agent's efforts are multiplied by those of all the other agents in the area. More demand. Higher price.

What are other problems with selling by owner?

A FSBO (For Sale by Owner) sign attracts lowball offers, for one thing. Think of buyers that want not just a deal, but a steal. Have you ever stayed up late and seen an infomercial about how to get rich in real estate? The number one method is to find a steal, often by taking advantage of someone who does not know what they are doing.

Then there are phone calls. Who answers them? What do you say? How do you convince them to come look at your home when you're available to show it? How do you convince them to write an offer?

Where do you get the right forms? What forms do you need?
That's just the beginning.

Is the buyer qualified? Do they have money in the bank, good credit, can they get a mortgage loan? Is your buyer's loan officer competent and flexible?

There are also lots of details. Do you need an escrow company or a lawyer? Termite inspection? Home Inspection? Warranties? Title inspection?
And when there is a challenge (a polite word for problem), as their always is, who handles it?

It isn't easy and we've just barely scratched the surface.
We're biased, of course, but we recommend a professional agent.

Sunday, February 15, 2009

Florida Foreclosure - Quick Facts


Florida Foreclosure - Quick Facts

1. Judicial Foreclosure Available: Yes
2. Non-Judicial Foreclosure Available: No
3. Primary Security Instruments: Mortgage
4. Timeline: Typically 180 days
5. Right of Redemption: Yes
6. Deficiency Judgments Allowed: Yes
Cick here for more information.

Source: http://www.
ForeclosureLaw.org

Wednesday, February 11, 2009

Selling Your Home >Getting Ready To Sell

Selling Your Home >Getting Ready To Sell

Here is a scenario that you may encounter when you sell your home. You make a listing appointment with a real estate agent who shows up with a detailed market analysis and a list of all the advantages of listing with his or her company. The agent then walks through your home with you, making suggestions about how you can present your home at its best.

The real estate agent's recommendations about cosmetic "fix-ups" make some sellers feel a little uncomfortable. They realize how long they have put off all of those "little" projects. If the suggestions about the cat box, spider webs, kitchen and bathroom cleanup, and removal of clutter make you feel a little defensive, remember that none of this is personal! Most sellers need a little coaching to make their homes show well. Providing suggestions for home staging is an important part of an agents job. The better your home looks while it's on the market, the more likely it is to sell quickly, and for top dollar. It would not be a bad Idea to call a local cleaning service to help keep the home clean you perspective buyers.

Port Charlotte First Time Home Buyers

NEWS... First-Time Home Buyer Tax Credit which could be the Opportunity of a Lifetime for Port Charlotte FL, First-Time Buyers. (First time homebuyers is defined as, "a buyer who has not owned a principal residence during the three-year period prior to the purchase.")
See more info below.....

Home Buyer Tax Credit Update

Congress is actively considering an expanded home buyer tax credit, and the Senate has approved the following improvements:


1. The tax credit amount increases to $15,000.
2. The tax credit is extended to anyone buying a principal residence.
3. The tax credit will apply to all purchases occuring within a year after the bill is signed into law.

It is a true tax credit; it does not have to be repaid. Please call your Senators and urge support for the expanded home buyer tax credit. To reach your Senators, call 1-866-924-NAHB (6242).

Tuesday, February 10, 2009

A Great Place To Live Port Charlotte, FL

Port Charlotte is in a great location near all beaches in the surrounding area. I personally like to go to the Venice dog park beautiful land scape's and nice cool breeze by the shore. Here is more info on this awesome dog beach, Talk to you soon.... Jessica Coleman Your Local Real Estate Agent.

P.S. Here is a picture of my dog luke... He loves this beach..

Venice Florida Dog Friendly Parks Venetian Waterway Park. The pet friendly City of Venice Fl is just completing a Venice beautification project called the Venetian Waterway Park as part of a community service project to fulfill the needs of Venice residents. While you are in Venice take advantage of this wonderful gift to the city of Venice. There is room for walkers, joggers, bicycle riders, dogs and children on this 10-mile stretch of land that provides an awe inspiring view of the Intracoastal Waterway. The Venetian Waterway Park will eventually engulf both sides of the waterway with a path starting north on both sides of the waterway and leading down to the Gulf of Mexico. Currently there is accessible parking to the path on the Venice Island side near the Venice Ave. Bridge, further down on Golf Drive near the Chamber of Commerce, next to Circus Bridge, and ending at Casperson Beach Park. Start or end another vacation day by taking a refreshing walk, jog, or bicycle ride at the Waterway Park.

While you are enjoying Casperson Beach Park take some time to stroll up the Waterway, or while you are enjoying the shops at downtown Venice, walk away into the scenic landscape of the Venetian Waterway.The Waterway is kept in pristine conditions so make sure to follow the rules and use the doggie bags posted along the way if you decide to bring your four legged buddies. There are also no motorized vehicles allowed, so leave the scooters at home. For your safety the Waterway also sports emergency call phones throughout the path and lights for walking after hours.

If you are looking to enjoy an afternoon picnic or family day out, the Venetian Waterway is also equipped with picnic shelter areas already set up with grills for a nice afternoon lunch and benches along the way for a little sight-seeing or people watching. Although parts of the Venetian Waterway go through areas near the high school or the Publix grocery store, the majority of the path calls for a refreshingly quiet experience overlooking the water and winding through the Florida landscape.Are you interested in kayaking? There is a sight near Casperson Beach Park on Bed Lake that allows for you to launch your kayak and enjoy a cool afternoon on the other side of the Waterway Park.

This is a great way to keep out of the heat during the summer months in Venice. If you don’t own your own kayak, there are kayak rental stores near Casperson Beach Park that normally rent out kayaks by the hour as well as by the day.

Not far from the Waterway is access to Harbor Drive and Venice Beach and Pavilion, so if you are staying on or near the beach you should still be able to reach this area by foot. So leave the car at home and make an adventure out of getting to know Venice Beach through the Venetian Waterway Park!