HOME BUYERS FAST TRACK PROGRAM- 3 SIMPLE STEPS TO BECOMING A HOME OWNER

 We are Buyers agents specializing in residential Real Estate in St Cloud Florida,

St Cloud Homes, LLC is proud to announce the new Fast Track Home Buyers Program. It is free, simple, and effective.  Buying a home can be a frustrating experience. We have a proven system which will put you on the fast track to home ownership.  Our free comprehensive program plan equips you with the tools you need to close the deal.

Here is how it works.

1)  The first thing you will need is a Pre-Approval Letter from your lender. It is free.  Any loan officer can assist you where you do your banking. They will need to know how much you earn, and how much you owe.  Based on your most recent pay stubs, and credit history, the loan officer will be able to determine if you can qualify for a home loan, and how much home you can afford. Once they have established that, ask them for a Letter of Pre-Approval.

2)  Call our office.  We will put you on the St Cloud Homes. LLC provides the Fast Track to finding the right home which meets your needs and budget. It is fast, simple and free. In just a few minutes we define what you are looking for, how much you can spend and what your needs are. Once we have that we will search for homes which are a match for you.

3) Fine Tuning To the Finish Line- The right home is out there, with our Fast Track program you will have the leading edge on the all the available homes in the St Cloud, Florida area which meet your needs and budget.  It is fast, effective and saves you valuable time.  We will narrow down your selections, set up your showings and prepare your offer, painlessly.

The housing market is heating up, and there is competition- our experts at St Cloud Homes, LLC explain how to make the best offer, what factors influence price, and what the current market conditions are.  So that your offer stands out.

Costs You will Need to Consider:

Down Payment money (can include gift funds)

Home Inspection

Survey

Home Owners Insurance

Closing Costs

Repairs and improvements you may want to make after closing.

Our fees are  paid by the seller at closing.

Lease to Own Kissimmee St Cloud Florida Real Estate

Lease to Own- Kissimmee St Cloud Florida Real Estate is a question I get often from potential buyers.  Typically the buyer has a credit issue, which would prevent them from seeking traditional financing. Issue include but are not limited to: Bankruptcy, strategic default, or foreclosure.  All of which, would severely damage their credit rating and exclude them from obtaining a traditional loan.  So what is the alternative?  Renting?

                                                                                                                                                                                                                                                                          These days landlords are pulling credit checks.  Before entering into a lease agreement, landlords and management companies in Kissimmee St Cloud Florida,  want to be sure the tenant is not going to default on the lease agreement-causing the added expense of an eviction.  

 So renters need to be mindful, that poor credit can and does jeopardize your ability both short and long term to obtain housing.

Lease With the Option to Buy

A lease with the option to buy-is where a landlord will agree in writing to sell the unit at a future date for an agreed upon price. A portion of the rent is secured and applied towards the purchase price or down payment. The remainder is used for rent which is non refundable to the renter.

In a declining market, a rent to own (or lease/option) will benefit the seller of the property.  Provided of course the renter follows through with the purchase.  But more times than not, what happens is when the lease is up and the option to buy is reevaluated, the renter decides they do not want to purchase the property.  Depending on the lease agreement, they may be entitled to their deposit monies back.  It will be contained in the fine print of the lease with option to buy agreement.

In a rising market, the renter stands to benefit in the gain in equity the proprty may achieve. So from the buyers viewpoint a lease with option to buy can be a good strategic investment for long term gain.

Important Considerations on Both sides

With credit issues being so prevalent these days, owners of real property are less likely to want to take a chance that a lease option can go sour. Many are waiting out the market in hopes they will recapture some of their lost equity. Other owners are already upside down, owing more than the property is worth and  are at risk of foreclosure. We see a high number of these in Kissimmee St Cloud, Florida.   If the property falls into foreclosure, a lease option may not be honored causing all kinds of tangential problems.

Real Estate is no longer striaght forward- with so many lenders having their hands in the process it is very complex. If you are looking for a creative way to obtain a property, it is wise to seek legal counsel. Hire a Real Estate Attorney who can advise you what your legal standing would be in in a variety of scenarios.

Whether Buying St Cloud Florida Homes & Land, or Selling St. Cloud Homes or Land, Allison will take the time to find out what is important to you, answer your questions, and share important information on current market conditions.

Licensed and Certified we specialize in ALL aspects of residential Real Estate. From contact to closing we are with you every step of the way, answering your questions, overcoming obstacles and getting you to the Closing table as stress free as possible. Our team consists of like minded, friendly knowledgeable Sales Associates who offer outstanding Customer Service. We guarantee you love what we can do for you in making your Home Buying or Selling Experience with us a good one.

 

 

Selling Your Kissimmee Area Home-Insider tips from a local Real Estate Broker

 Selling Your Kissimmee Area Home- Insider tips from a local Real Estate Broker
Is your Realtor® inflating your ego by telling you what you want to hear, or what you need to know?  Too often in order to obtain a listing Real Estate Professionals despite what the market analysis reveals, will take an over priced listing to placate a seller.  The result is predictable; the house does not sell.  This is particularly true in my market, where we see homes for sale in Kissimmee, St Cloud Florida all over the place.

Our current housing market is price driven. There are so many properties for sale in Kissimmee and St Cloud Florida including bank owned, and short sales (where the seller owes more than the house is worth) and foreclosure properties (where the bank now owns the property and must liquidate) that traditional sellers face a real quandary. But, a traditional seller (real person) not a bank, or Loan Mitigation Department does have an advantage. 

Banks will hire professionals such as myself to give a Broker’s Price Opinion. This is done by determining the present value, based on location, size, condition and previous recent sales in the neighborhood.

What a home seller thinks their Kissimmee St Cloud Florida home for sale it is worth and what a property will actually sell for are often very different.

The most common question a buyer will ask me is: “How long has it been on the market?”
The time frame to maximize exposure is critically important.  In Real Estate the first 90 days, will attract the most interest in a property.  The longer a home sits on the market, it signals something is generally wrong.  Usually it is the price.

Pricing your Kissimmee St Cloud Florida home too high against others which are comparable, results in helping your neighbor sell their home. Not exactly what you had planned on right?

So here is the inside Scoop

The market changes daily. In declining areas, an over priced home chases the downward market losing prospective buyers each and every day.

 

Certain price ranges have numerous buyers competing for well priced properties. The lowest priced home will sell fastest. The highest prices ones usually do not.  Realtors do not set the market-they can only analysis it.  Buyers are controlling what sells and for how much with purchases.

Hitting the bulls eye in pricing your Kissimmee St Cloud Fl home will attract numerous buyers, and result in an offer. An offer can result in a sale. Goal Met.

You need a competent Real Estate Professional like myself, who understands the current market conditions, changing times , and can guide you through the process of listing and selling your Kissimmee St Cloud Home quickly.

St.Cloud Homes & Land, LLC is a full service Licensed Real Estate Agency Providing OUTSTANDING customer service and commitment to excellence for its clients. Kissimmee Homes, St Cloud Florida Homes, Kissimmee Vacation Homes, Kissimmee Town Homes, Kissimmee Condos, St Cloud Vacation homes, St Cloud Town Homes, St Cloud fl historic homes, St Cloud Fl condos, all OSceola County Real Estate Properties.

Our Customer call us ” The best in business”, call us 407-545-8002

 

Kissimmee-stcloudflhomes.com Estate have become more complex. The transfer of your Kissimmee-St.Cloud Florida home, if it is mortgage free is relatively simple.

Transfers prior to death, can be done by a Quit Claim Deed.

Typically this is between family members; or in some cases a divorce. The grantor relinquishes their rights to a specific property and conveys no guarantee of clear title to the receiving party (Grantee).

A Title Search performed by either a Title Company, or Real Estate Attorney would also be recommended, to determine if their are any obstacles which might need to be cleared in the event at some time in the future you decide to sell your Kissimmee or St Cloud property.

 

QUIT CLAIMS AND TRANSFERING REAL PROPERTY IN OSCEOLA COUNTY FLORIDA

In cases where no mortgages exist and the transfer is between family members a Quit Claim Deed will effectively transfer ownership seamlessly.  The cost is approximately $20.00  which is paid to the Clerk of Courts In Osceola County  the courthouse is located in Kissimmee.  A new Deed will be issued.This can also be done by mail.

 

Important Things toKnow About Your Osceola County Florida Property.

PROPERTY TAXES: In Florida, property taxes are due in November. They reflect the assessed value of the property for the prior year and must be paid in one lump sum for properties without a mortgage.

If you have inherited a house, you would then be responsible for paying the taxes. You may also want to inquire about the Homestead Exemption which offers up to $50,000 off the taxable value of a property IF it is your primary residence.

INSURANCE:

Homeowners Insurance regulations have changed dramatically over the past several years. Since most policies are written for “Owner-Occupants” the risk of having a policy canceled when a homeowner dies is high. Insurance companies do not like to insure vacant properties. It is important to contact the insurance carrier and discuss which options will best fit your needs and use of the property.  Insurance for renters is available.  Tax records will be checked by the insurance company so it is imperative you are honest when making your application.

FLORIDA UTILITIES: There are two primary Utility Service providers in the Osceola County Florida  Area. They are OUC and Florida Power & Light (FPL) and Kissimmee Utility Authority

NATURAL GAS- is also available in some parts of Central Florida. You will need to contact them as well to transfer billing over.  Don’t forget, the phone company, Internet provider and cable companies.  All of these items have to factor into running costs of the property you inherit.

REPAIRS AND MAINTANCE

Something else to consider are necessary repairs the home may need.

Often, when someone has been ill, routine maintenance may have been put on the back burner.  Having a home inspection, could alert you to problems you may not know are there.  It is a proactive way to approach and curtail possible problems. It will also be a benefit should you later decide to sell the home.

To Sell or Not To Sell?

That is a very personal decision. There may be sentimental attachment to the  property. The housing market, is what it is. Home Values in Kissimmee St Cloud Florida vary based on location, condition, age, and recent sales. Unlike Assessed Value which is for tax purposes. Often the two are not the same. 

 Find a reputable agent, you can build a rapport with, one who understands what your objectives are and will help you to achieve those objectives as stress free as possible.  A comprehensive Market Analysis will help to determine your homes current market value. 

If selling is not what you want to do right now, you must decided who will maintain the property. Lawn Care, Repairs, and security issues should all be considerations in this important decision.

Homes & Land, LLC,. A local St Cloud Florida Real Estate Brokerage.

Committed to excellence and superior customer service, the emphasis has always been on Unparalelled Customer Service which begins with YOU. St. Cloud Homes & Land, LLC has performed consistently and grown over the years. What makes us successful is our commitment to you.

Knowing a little about us is nice, but Focusing on what is important to you is what we do best!

Whether Buying St Cloud Florida Homes & Land, or Selling St. Cloud Homes or Land, Allison will take the time to find out what is important to you, answer your questions, and share important information on current market conditions.

Licensed and Certified we specialize in ALL aspects of residential Real Estate. From contact to closing we are with you every step of the way, answering your questions, overcoming obstacles and getting you to the Closing table as stress free as possible. Our team consists of like minded, friendly knowledgable Sales Associates who offer outstanding Customer Service. We guarantee you love what we can do for you in making your Home Buying or Selling Experience with us a good one.

St.Cloud Homes & Land, LLC is a full service Licensed Real Estate Agency Providing OUTSTANDING customer service and commitment to excellence for its clients. The best in business, call us 407-545-8002

St.Cloud Homes & Land, LLC
Providing Professional Real Estate Services
2490 Bronco Drive
St. Cloud, FL 34771
Phone: 407-545-8002 | Email: Allison@Kissimmee-stcloudflhomes.com

 

 

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