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Featured Listings
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Beautiful Pool Home on subtropical Island |
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Featured Listings
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Very affordable Home in South Venice - close to the Beach |
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Walkable Living Makes Strides
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 In the last two years, the dynamics of the housing market have changed considerably, with high gas prices coming on top of the market slowdown. Pain at the pump is accelerating demand for higher density homes close to jobs, but predictions of suburbia’s demise may be premature. However, the cost of gasoline is simply accelerating a changing demographic picture. Suburbs that thrive in this new age will go through their own renaissance to become less car-dependent. The ones close to jobs will be the winners-those that are further out are having already serious problems in terms of pricing and sales. The younger generation of home buyers, the ones without kids, is not too thrilled by living in the suburbs or rural areas anymore; they are looking for lifestyle, transportation efficiencies, and access to major metropolitan areas. This move back to the cities and inner-ring suburbs is a structural, not a cyclical shift, and it’s as important as the shift in the 1950s to the suburbs. Once they have kids they may come back out to the suburbs, but they are still looking for a “drivable suburban model”, a realistic model. Properties far out and away from infrastructure will be the less desired ones. There was a trend within the last years: properties that were close to public transportation and in walkable communities are beginning to appreciate much more rapidly than other properties. The people at the Counties zoning and planning boards are rewriting the zoning laws now: the goal is to encourage walkable suburbs with high density, because the younger people want lifestyle centers that are mixed use with retail, offices, hotels, and housing mixed together. All of this will cause a shift in the spending habits, too. Households will shift their spending from transportation to housing, it will move from a depreciable asset to an appreciable one. The American Automobile Association says that by dropping one car out of the household, the family is saving $8,000 a year in after tax dollars. That amount of money can be better spent on mortgage payments. |
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Featured Listings
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Pool Villa on Intracoastal Waterway |
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You have decided to purchase a home, or you are at least thinking about buying one. You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value. We understand that buying a home is a major decision for you that can be filled with apprehension and concerns. Our job is to help you find the home that meets your needs and to make the home buying process efficient, almost stress-free and successful. As your Prudential Real Estate Sales Professional, our goal is to help you find the right home. You don't want to waste valuable time looking at properties which do not fulfill your specifications. There is probably nothing more frustrating than looking at properties you never asked for, and which do not meet your expectations at all. Therefore we will plan a home search based on your needs. We will send you pre-selected properties that match your criteria and we will save you time by pre-scheduling showing appointments, and if in doubt, we will even preview the properties for you. You will receive an in-depth pre-view report about the property with lots of own pictures (not the shiny ones out of a brochure). This report will definitely make the process of finding the desired property less time consuming for you. The result can either be putting the property on the “view” list, or skipping the viewing and proceed with a different one. Due to this approach you will actually have more time available for the purpose of enabling you to make an educated final decision. Of course will you get information about comparable homes sold recently to help you decide on the price and financing terms that you want to offer. |
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Simple Steps to Ensure a Smooth Home Purchase
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Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:
Check your credit.
Before you apply for a home loan, regardless of your credit, it's a smart idea to obtain a copy of your credit report from the three major credit bureaus and review the information. If there are errors or things that need to be addressed, it's easier to address them before you have found a house, than after you have found a house and are trying to close your loan. If you know that there are a few blemishes on your credit, let your lender know what they are, why they are there, and why you are a still good credit risk. Lenders look at your credit to determine how likely you will pay back the loan. If you had extenuating circumstances - like a loss of a job or medical bills - let them know so that they understand that it is not likely to happen again in the future. Get approved before you buy.
An approval means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase. As long as the home appraises for at least the purchase price, the loan should close. Getting approved also gives you an advantage over other buyers. Your firm approval makes it easier for you to negotiate on the price of a home, than a person who is not approved or is pre-qualified. While getting pre-qualified may sound official, it is really just getting an idea of what you can afford. Its having a person plug in a few numbers that you give them - your monthly income and your monthly debt - and getting an approximate payment calculated. From the payment, the calculator can approximate the house price range that you can afford. No information is verified. Because your assets, income or credit is not verified, a pre-qualification has little value when purchasing a home. |
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Automatic Property Notifier
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Now I want to buy a new home but where do I start?
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| | Once you have found the right property, the next step is to make a purchase offer to the seller. After the acceptance of the offer we will make sure that your interests are protected. There are several ways to help support a trouble free home purchase: A written property disclosure statement from the seller will reveal any problems with the house and surrounding area. Professional Inspection can reveal structural, roof, termite and other problems with the property that the seller will need to redeem. A home warranty can give you peace of mind by providing repair-or replace coverage of major home operating systems and appliances. A preliminary title report informs you of any problems with the property’s title and a policy of title insurance protects your rights to the property. A walk-through before closing will allow you to make sure all required work has been taken care of and that the property is ready to become yours.
Many details need to be taken care of in order for a home purchase to be completed. It can take 15-60 days to complete all steps involved in a home sale, depending on the complexity of the transaction, but we will work closely with everyone involved in the transaction to help ensure that it moves ahead as smoothly as possible. |
In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step , to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving. Please contact us if you have any questions about buying a home in Sarasota, Manatee or Charlotte. |
Below, select desired reports and complete the form provided.
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Buying your first Home
Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
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How to get the Right Home at the Right Price
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
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Avoid common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
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88 Things that can go wrong
Things that can go wrong during trancaction
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Various House Toys - do you need 'em?
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
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You have not selected any of the above reports.
 | We understand that you may be in the information-gathering stage and may not be ready to open up about who you are or your real estate needs at this time. If you are not comfortable providing all your contact information that is perfectly OK. Just enter your e-mail address so we can send you the material you requested Please be assured that your privacy will be kept sacred and your information will never be shared with any third party. |
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 Defining Your Ideal HomeThe property you buy will be much more than a house; it will be your home, sweet home. The following questions can help you describe the things that are most important to you in your ideal home and neighborhood. For some people, “Home” means a hub of social activity; for others it might be a place to retreat from the pressures of daily life. What does “Home” actually mean to you? Who will live in your household? Will you often have family members or friends visiting for more than a few days a time? If you will be working outside your home, what would you consider a comfortable commute (in time and distance)? Will you be working at home? What are the most important activities for the members of your household? For example, hobbies, recreation, school, entertaining, religious or cultural activities. What are one or more features you liked most about homes you have lived in previously? This might include: style, floor plan, yard, view and neighborhood. What is something you disliked about the house or neighborhood where you have lived previously, and that you would want to avoid in your next home? What are the most important “must have” features of uour ideal home and neighborhood? Why are they important ?
| | Frustration The greatest dilemma most buyers face is determining what price to offer at the beginning of the negotiations. Buyers who often think sellers overprice their property take the list price, subtract the negotiation room and then subtract costs for needed improvements or updates which does not give an accurate picture of the price a seller might be willing to accept. When that kind of offer is negotiated, the buyer or seller often feels that the agreement was not fair, leaving one of the parties to feel frustrated. |
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