Sep
10

Record Low Interest Rates for Gainesville Real Estate Homebuyers.

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Long-term mortgage rates dropped to record lows during the week ending Thursday, the U.S. Federal Home Loan Mortgage Corp. reported. This has been the best time to buy Gainesville Real Estate.

httpv://www.youtube.com/watch?v=ihqbvPyhYWk

 

Let me help you with the purchase of your next home.  Get my free Homebuyers handbook by clicking on the link below.

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Sep
03

Gainesville Real Estate home of Swamp and Gator Nation.

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Today the University of Florida will be opening up their 2011 season in Ben Hill Griffin stadium against Florida Atlantic University (FAU) at 7pm. This will be the first game under our brand new coach Will Muschamp. Senior quarterback John Brantley (Sr.) will be in action using the new offense. Gator fans around the country are curious to see how it will work out In looking on the defensive side for the Gators, they look pretty young this year. They have only two seniors starting on defense. Look for the young defense to be carried by their defensive line, which may be one of the best in the Southeastern Conferences (SEC). 

Gator football fans are going to be in for a surprise this season. Coach Mushcamp closed the spring practice for the first time so little information is floating around on how good the Gators wll actually be and we do not know what to expect. Under former coach Urban Meyer and when Tim Tebow played, you could predict, but now its very different. In preparation for today’s game, I put together a short video to get us all in the Gator Swamp mood: 

 

 

 

 

My personal goal is to simplify the process of buying and selling Gainesville real estate, and to satisfy everyone’s needs to the best of my ability. My extensive experience and proven track record are factors you can count on when working with me. I use the latest technology to understand the current market and to make the connections necessary for our success. Please enjoy my websites, blogs, & social media pages and learn & share with me. O by the way. I am a Gator, went to the U of F and attended football games when Steve Spurrier was a gator quarterback.

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Aug
26

Tips for Financing a Townhome or Condo in Gainesville Real Estate Market.

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Financing a Gainesville townhome or condo in the Gainesville Real Estate market is somewhat different than financing a Gainesville home for sale. Here is a short video of just a few things to consider:

Gainesville condos and townhomes can be financed in today’s tough real estate market. Success will depend on the health of the home owner’s association (HOA) and its finances.

When you purchase a condo in the Gainesville real estate market you purchase your unit, and use of the common facilities such as pools, hallways, work out rooms, lobby, etc. Unlike buying a single family homeor townhome you do not own the land under you unit, that’s owned by the association.

What this means to you and any lender that borrows you money on the property is that if you association gets in trouble and too many units go into foreclosure or just stop paying their dues, then you can suffer in several ways.

Your HOA may not be able to keep up regular maintenance or the utilities to the common areas could be shut off. Major repairs, like roofs, siding and windows may not get done or the government may foreclose on the entire property to recover non-payment of taxes, and this could mean your unit too.
In most cases, you may be forced to pay a one time large payment called, an assessment, to make up for the non-payers. The good news is that you can protect yourself. There are basic safeguards that you can use to protect yourself, but please make sure you are an active participant and understand the circumstances of the HOA. Work closely with your Gainesville real estate professional and lender to insure that your purchase and transaction is smooth and safeguarded.

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Aug
24

Credit Score Impact from a Gainesville Real Estate Short Sale.

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Short Sale Impact on Credit ScoreAs we continue to move through the current Gainesville real estate crisis, I continue to see folks that have had their credit scores impacted by a successful short sale of their Gainesville home. 
With all things being equal, opting for a short sale of your Gainesville area home is better than a foreclosure or other options and it would be great and a huge advantage on your credit score if all you had was the short sale on your credit report. However, what impacts a homeowners credit score after going through this short sale process and finally selling their home falls into two areas: 
The first thing is the delinquencies if you are just late or you can’t pay your mortgage anymore then those delinquencies pile up and that will obviously lower your credit score.
The second thing that lowers your credit score substantially will be a notice of default or a foreclosure notice or lis pendens that the lender puts out there on your property or in the public record.
In Florida this is an official legal notice that’s filed at the county courthouse or the recorder’s office. The three credit reporting bureaus pick up information from these two sources, your lenders and creditors and public records.
If you avoid delinquency by just paying your mortgage on time and you don’t go into foreclosure, you won’t have a public record of your foreclosure.
If you go through a short sale of your Gainesville real estate at some point there generally will be a report of “paid settled for the amount less than the amount owed”, or some similar language on your credit report and that’s reporting “hey, this was paid but it was paid for less the amount owed. So it was a settled payment rather than paid satisfactory.”
That is bit of an impact on your credit score but it’s not that bad of a ding. Generally I am hearing 200-300 points which can be fixed fairly quickly. 
The much worse thing for your credit score and report is the foreclosure filing againest your Gainesville real estate. This is the legal notice and then the usual chain of delinquencies that people have when they stop paying the mortgage and you would have either one if you do a short sale and you’re still making the payments.
That said, what if you are late on your payments and also have a foreclosure notice or default notice already filed? Are you better off with a short sale than just walking away?
If you have two mortgages, you are much better off if you do a short sale because you will lower the liability you have personally for the second mortgage. If you live in a state where they can come after you, like Florida, a so-called recourse state, you are better off doing a short sale.
Repairing and reducing the impact on your credit score after short selling your Gainesville real estate will be something that you will want to start to look at right away.  I have heard of folks being able to buy a new home within 7 months from completing their short sale. There are a number of ways and things you can do right away to start the improvement process. There are a number of “do it yourself” programs that are available that will get you own your way. If you are limited on your time or just plain burned out from the process, I recommend the Clean Slate Credit Repair Service.  I have reviewed this service and have found them to be one of the best. Not only that, they guarantee to get your credit score to a 640 or you pay nothing. They can help with repairing your credit score even if you had to choose the foreclosure option but it will take longer. 
There will continue to Gainesville Homes For Sale in the coming year with low interest rates and great values.  Now is the time to improve your your credit score that will allow you to take advantage of these great Gainesville real estate values. Get your FREE Clean Slate credit repair by clicking on the image below. 

 

 

 

 

 

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Aug
19

Tips for Cashing In on Gainesville’s Real Estate Slump

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Prices of existing homes fell 2.8% in the three months ended June 30 compared with the same period in 2010, according to a report issued Wednesday by the National Association of Realtors (NAR).  Gainesville’s area housing market is no different from the National market.  We continue to see prices decline in the Gainesville real estate market with no end in site. Foreclosures and short sales continue to offer a tough market for traditional homesellers to compete with.  However, there is some good news for buyers with cash or good credit that might want to cash in on this great home buying opportunity in our Gainesville real estate market.  Now is a great time to buy.  Watch this video to get some ideas on how you might be able to cash in:


The stagnant economy, with a slow recovery in hiring, has hurt sales. Another big headwind is the strict underwriting standards lenders are applying to mortgage applicants in the wake of the financial crisis. There could be “a more rapid sales recovery if banks get back into the business of lending to more creditworthy borrowers,” said Yun. On a positive note, interest rates are the lowest in years and you have cash or a good credit score or rating, now is definitely the time to “cash” in on the great deals in the Gainesville real estate market. There are many great Gainesville homes for sale and you may miss the opportunity of a life time if you linger to long. 

 

 

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Aug
12

Still Trying to Sell Your Home and Gainesville Real Estate ??

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Welcome to My Unfair Seller’s Advantage for Selling your Gainesville Real Estate.

 


Preview All The Secret Tools I Use To Get Your House Sold – Faster And With More Money In Your Pocket!


MARKETING SYSTEM FEATURES

  • A complete professional property website
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  • A complete showings feedback system
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  • One-Click classified postings to Craig’s List
  • Feeds to popular classified real estate sites
  • Easy to use online browser control panel
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  • Enhanced Listing with 25 photos on www.Realtor.com
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  • Local Cox Cable T.V Advertising
  • Listing published in local Real Estate Book
  • Listed on www.Remax.com

Call or email me today to see all these tools in action. 

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Aug
11

Latest Gainesville Real Estate Market Report.

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The Gainesville real estate & homes for sale market continues to be a challenge for the area homesellers and property owners. The latest U of F survey relating to real estate shows that economic worries and continued acrimony among lawmakers have claimed yet another casualty: The outlook for real estate markets in Florida declined slightly through the second quarter of 2011. Watch the short video below for all the latest Gainesville real estate market information:

Download Video (808 MB)

According to the survey, “Overall the future remains uncertain and will continue to depend on policies from Washington that effect both spending and job growth over the coming quarters,” Becker said. “Positive steps in either or both of those areas with have a positive impact on real estate markets.”
The survey is the most extensive of Florida professional real estate analysts and investors conducted on an ongoing basis. The total number of participants in the current survey is 172, who represent 13 urban regions and up to 15 property types.

In light of the latest survey & the lowest interest rates in recent times, now is a perfect time to buy Gainesville real estate. Call me today to let me share with you the numbers and some great buys.

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Aug
08

Preparing Your Gainesville Home For Sale.

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Gainesville, Florida Homes For Sale

Gainesville, Florida Homes

Today’s Gainesville real estate market is very competitive and challenging. Gainesville home sellers continue to see their built up equity slide lower and lower. Many Gainesville home sellers have decided not to sell and to wait for some market improvement. For many Gainesville home sellers, however, this is not an option and they have to sell for job, school, or family reasons. Here are some recommendations that will help you in preparing your Gainesville Home for sale.

I recommend that you do not do anything expensive, such as remodeling. If a home is dated, consider this as a price concession and build into your price. Save any of the funds you might want to use for remodeling to pay for any repairs and improvements once you get a contract. Today’s homebuyers, banks and apprasiers are now requiring that the home be qualified with no major deferred maintenance items. I recommend that during this marketing period of your home that you do not go charging up credit cards or obtaining new loans. It is good to remember that part of selling a house is also preparing to buy your next home. In today’s mortgage marketplace, you do not want to do anything that will affect your credit scores or hurt your ability to qualify for your next mortgage.

There are many areas of preparation of your home in today’s Gainesville real estate market place. I will be covering these in this and subsequent blog posts. One of the areas that you might consider improving first is the plumbing and fixtures. Many of todays homebuyers often do not really know what to do when they are previewing a home. So they play with things. They turn on light switche, they open everything with a handle. They turn on all the faucets and flush all the toilets. I recommend having nice shiny and clean fixtures to make an impression.

All your bathroom and kitchen sink fixtures should look shiny and new. If this cannot be accomplished by cleaning, I recommend that you buy new ones. You don’t need to buy something fancy, this can be accomplished inexpensively. Make sure all the hot and cold water knobs are easy to turn and that the faucets do not leak. If they do, replace the washers.

Check to make sure you have good water pressure and that there are no stains on any of the porcelain. If you have a difficult stain to remove, one trick is to hire a cleaning crew to go through and clean your home on a one-time basis. They seem to be wonderful at making stains go away.

Once you have resolved any potential plumbing issues, you will want to move to the next area. I will cover these areas in my subsequent post. My next area for preparation will be whether to Paint or not to Paint. Watch for my coming Gainesville real estate blog post relating to this subject. Subscribe to my monthly newsletter by filling in your name and email in the column to the right. Follow my tips and techniques for selling your home in the Gainesville real estate market on Facebook and Twitter.

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Jul
21

Gainesville Real Estate Latest Market Data

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Welcome to the most current Housing Trends eNewsletter for the Gainesville Real Estate Market. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.

Please click on this link to view the JULY – 2011 Newsletter Housing Trends eNewsletter.

The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources.

It also includes press releases with charts and videos, key market indicators and real estate sales and price statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more.

If you are interested in determining the value of your home, just fill in the contact information form to the right, and I will be happy to get right back with you with the latest information relating to your home.

Sound decisions relating to the Gainesville real estate market and homes for sale can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future. Follow more news and Gainesville Real estate information on Facebook.

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Jul
08

7 Reasons to Buy a Gainesville, Florida Home.

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Gainesville, Florida Homes For Sale

Gainesville, Florida Homes

I often get asked the question, Is now a good time to buy a home in Gainesville, Florida home? This post responds to that question and helps potential Gainesville, Florida buyers make an informed decision. Anyone who is pondering a Gainesville, Florida home purchase might want to consider making a move sooner than later. A recent article published by CBSMoneyWatch gives “7 Reasons Why Now’s a Good Time to Buy a Home.” says “Below are seven reasons why anyone who is pondering a home purchase might want to consider making a move sooner than later. Potential first-timers certainly have far easier logistics than current homeowners who need to sell to make a move. If you’re underwater on your loan, trading up might not be feasible. But there are indeed plenty of current homeowners sitting on ample equity. For them, and for potential first timers, here are seven reasons why now just might be a smart time to make your move.” To see the seven reasons go to: 7 Reasons Why Now’s a Good Time to Buy a Home

A final question is how much lower are the Gainesville, Florida real estate prices going? My response is I do not know but as the article has just pointed out, there are other important home-buying factors that may come into play if you wait a year from now. I would be happy to meet with you to discuss these 7 reasons to buy your Gainesville, Florida real estate now as opposed to later. Call or email me anytime. Follow us on Facebook or Twitter for other helpful posts regarding buying and selling Gainesville, Florida real estate.

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