Start with Confidence, It's currently a buyer's market. You have the upper hand!!
According to the National Association of Realtors, you account for the 2 out of 5 new home sales. Doing research on how to buy a home is itself an investment - in time. On the one hand are the shelves of books on the subject - helpful, yet sometimes tedious in their detail. If you are gearing up to buy a house, you may need at least one self-help guide, if only as an anti-jargon dictionary that will help you tell your ARM from your JUMBO. It is extremely important to know what rate you will qualify for when applying for a loan. The actual rate you get when you borrow money is called the Annual Percentage Rate(APR). This is the true cost of doing business, including any fees from mortgage brokers. Unfortunately, there are many predatory lenders who prey on unsuspecting borrowers who are uneducated on the subject. Knowledge is power!! For further information please visit www.wcimortgage.com.
Flex your consumer muscle
Do basic research to ensure you understand everything that is happening around you. Just because you don't apply for a 30-year mortgage once a week doesn't mean we have to take the first one that comes along. Learn new terms, apply new concepts, and take the time to understand what you're getting into. And when something happens that doesn't make sense, demand a full and complete explanation from the professionals working on your behalf.
According to Suze Orman, "A home is a flat out, the best big ticket purchase you will ever make." Visit www.suzeorman.com for further information and business advice.
If you plan from the beginning to approach the home buying process intelligently and with confidence,you are more likely to buy a place call home.
Know your rights....
What are Fair Housing Laws?
Fair Housing Laws exist to protect people from discrimination encountered in the process of buying or renting a residence. The Federal Fair Housing Act protects all persons(citizens and non-citizens) affected by discriminatory practices. For further information, visit www.hud.gov.
Get inspections....
1. Home inspection
2. Mold inspection
3. Termite Inspection
4. Radon Inspection
Due to the climate in Florida, mold and termites can become a home buying nightmare. However, they are correctable but costly. An inspection alerts the to any potential problems they may encounter in the process.
Are you planning to buy, rent, or renovate a home built before 1978?
Federal Law requires that individuals receive certain information regarding lead hazards before renting, buying, or renovating pre -1978 housing. For further information please visit www.epa.gov/lead.
Are you buying in a place where you and your family feel safe?
If you have children, I encourage you to visit the state sex offender database to make sure you are comfortable with your neighbors. In addition, you can check your local police stations to inquire about crime stats in your area. Please visit www.colliersheriff.org or www.sherifflee.org.
Should I hire an attorney or a title company for my closing?
I have always been partial to attorneys and recommend my clients use them as closing agents. Although title agencies are just as capable of closing a deal, attorneys guarantee i's are dotted and t's are crossed. For example, if a problem arises with your transaction, attorney's have the capability to handle the situation swiftly and with legal ease. If you are closing with a title company, you then have to retain an attorney, which is additional up front money and time. Some title companies have attorneys on staff, but most do not. Often the cost is comparable to the title agency or slightly higher when you hire an attorney. So what do you have to loose? Everything if you are not properly represented!! Make sure the attorney you hire is a Florida Board Certified Real Estate Attorney. I know it is tempting to hire your Family Law attorney who handled your divorce 20 years ago, but they are not specialized in the complex field of real estate. Please visit www.quarles.com for additional information or www.wcititle.com.
Do a final walk thru of your property before you close the deal!!
This is extremely important. This is where you make sure everything is in working condition and nothing has been damaged or removed from the property. For example, the beautiful $2000.00 dining room fixture you thought was yours. Or the custom window treatments in the master bedroom. How about that built in plasma TV? Great time to pick up the phone and call your Florida Board Certified Real Estate Attorney! Get my point?
According to the National Association of Realtors, you account for the 2 out of 5 new home sales. Doing research on how to buy a home is itself an investment - in time. On the one hand are the shelves of books on the subject - helpful, yet sometimes tedious in their detail. If you are gearing up to buy a house, you may need at least one self-help guide, if only as an anti-jargon dictionary that will help you tell your ARM from your JUMBO. It is extremely important to know what rate you will qualify for when applying for a loan. The actual rate you get when you borrow money is called the Annual Percentage Rate(APR). This is the true cost of doing business, including any fees from mortgage brokers. Unfortunately, there are many predatory lenders who prey on unsuspecting borrowers who are uneducated on the subject. Knowledge is power!! For further information please visit www.wcimortgage.com.
Flex your consumer muscle
Do basic research to ensure you understand everything that is happening around you. Just because you don't apply for a 30-year mortgage once a week doesn't mean we have to take the first one that comes along. Learn new terms, apply new concepts, and take the time to understand what you're getting into. And when something happens that doesn't make sense, demand a full and complete explanation from the professionals working on your behalf.
According to Suze Orman, "A home is a flat out, the best big ticket purchase you will ever make." Visit www.suzeorman.com for further information and business advice.
If you plan from the beginning to approach the home buying process intelligently and with confidence,you are more likely to buy a place call home.
Know your rights....
What are Fair Housing Laws?
Fair Housing Laws exist to protect people from discrimination encountered in the process of buying or renting a residence. The Federal Fair Housing Act protects all persons(citizens and non-citizens) affected by discriminatory practices. For further information, visit www.hud.gov.
Get inspections....
1. Home inspection
2. Mold inspection
3. Termite Inspection
4. Radon Inspection
Due to the climate in Florida, mold and termites can become a home buying nightmare. However, they are correctable but costly. An inspection alerts the to any potential problems they may encounter in the process.
Are you planning to buy, rent, or renovate a home built before 1978?
Federal Law requires that individuals receive certain information regarding lead hazards before renting, buying, or renovating pre -1978 housing. For further information please visit www.epa.gov/lead.
Are you buying in a place where you and your family feel safe?
If you have children, I encourage you to visit the state sex offender database to make sure you are comfortable with your neighbors. In addition, you can check your local police stations to inquire about crime stats in your area. Please visit www.colliersheriff.org or www.sherifflee.org.
Should I hire an attorney or a title company for my closing?
I have always been partial to attorneys and recommend my clients use them as closing agents. Although title agencies are just as capable of closing a deal, attorneys guarantee i's are dotted and t's are crossed. For example, if a problem arises with your transaction, attorney's have the capability to handle the situation swiftly and with legal ease. If you are closing with a title company, you then have to retain an attorney, which is additional up front money and time. Some title companies have attorneys on staff, but most do not. Often the cost is comparable to the title agency or slightly higher when you hire an attorney. So what do you have to loose? Everything if you are not properly represented!! Make sure the attorney you hire is a Florida Board Certified Real Estate Attorney. I know it is tempting to hire your Family Law attorney who handled your divorce 20 years ago, but they are not specialized in the complex field of real estate. Please visit www.quarles.com for additional information or www.wcititle.com.
Do a final walk thru of your property before you close the deal!!
This is extremely important. This is where you make sure everything is in working condition and nothing has been damaged or removed from the property. For example, the beautiful $2000.00 dining room fixture you thought was yours. Or the custom window treatments in the master bedroom. How about that built in plasma TV? Great time to pick up the phone and call your Florida Board Certified Real Estate Attorney! Get my point?
- Office Location:
- Spina Realty Company
- 9220 Bonita Beach Rd. Suite 102
- Bonita Springs, FL
- 34135
- Phone:
- (239) 949-9110
- Fax:
- (239) 949-9189
- Cell:
- (239) 289-9437
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