Homestead Portability:

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Homestead Portability:

Florida homowners that have accumulated Save Our Homes (SOH) benefits are now allowed to transfer this savings to a new residence thanks to Amendment One. This tax savings works whether you are “upsizing” or “downsizing” your home.


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10 Great Reasons Not To Wait To Buy Your Dream Home….


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Strong Ability to Negotiate:

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Strong Ability to Negotiate:

A few years ago when you made an offer, the only questions was how high above the list price you should reach in hopes of being the best offer on the table. Today the sell price versus list price ratio is about 93%. Sellers won’t be insulted if you “make them an offer they can’t refuse.”


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10 Great Reasons Not To Wait To Buy Your Dream Home….


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Home Prices Have Drastically Reduced:

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Home Prices Have Drastically Reduced:

The affordability index for 2008 averages 104%. An index that is over 100 means that median-income earners make more than is necessary to qualify for a median-priced home.

Related Links:

10 Great Reasons Not To Wait To Buy Your Dream Home….

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Low Interest Rates:

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Low Interest Rates:

Mortgages are at historically low rates for buyers who qualify. Rates are hovering right around 6%, the same as they were 45 years ago. According to data provided by Freddie Mac, rates so far in 2008 are averaging 5.99% versus a 2007 average of 6.34%.


Related Links:

10 Great Reasons Not To Wait To Buy Your Dream Homes….

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An Abundant Selection of Homes:

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An Abundant Selection of Homes:

The number of homes for sale is at a 15-year high. Regardless of price range, there are many homes from which to choose. The great selection of single family homes, condos and townhomes means a greater chance of finding the one that fits your lifestyle.

Related Links:

10 Great Reasons Not To Wait To Buy Your Dream Homes….

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10 Great Reasons Not To Wait To Buy Your Dream Home….

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10 Great Reasons Not To Wait To Buy Your Dream Home….

- There is currently an abundant selection of homes.
- Interest rates are low.
- Home prices have drastically reduced.
- A strong ability to negotiate the price.
- Homestead portability.
- Increased Tax Exemption.
- $7,500 federal tax credit.
- Increased FHA loan limits.
- No time like the present.
- Home ownership is an investment in your future.

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What is a Credit Score?

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You credit score is a number based on the information in your credit file that shows how likely you are to pay back on time. The higher your score, the less risk you represent. The credit score that lenders use is called a FICO score. You FICO score helps a lender determine whether you qualify for a loan and what interest rate you will pay.

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Credit Score…

Consumer Website for Credit Information:

What Are The Three Credit Agencies?

What is in a Credit Report?


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Credit Score…

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When applying for credit, whether you are purchasing a car, home or applying for a credit card, lenders want to know you credit risk level. Credit scores indicate to the lender your credit worthiness or if you will pay back the money that was extended to you.

Your credit score influences the credit available to you and the terms that the credit is offered to you. A better score means better financial options for you.

Related Links:

Consumer Website for Credit Information:

What Are The Three Credit Agencies?

What is in a Credit Report?


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Consumer Website for Credit Information:

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http://www.myfico.com/

http://www.annualcreditreport.com/

Visit the websites listed above to pull your own credit report.


Related Links:

What Is In A Credit Report?

What Are The Three Credit Agencies?


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Kissimmee Bay Bargain!

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Want to own a home in an exclusive Kissimmee neighborhood? Look no further. A home for $239,900 just became available! This home has 4 bedrooms, 3 bathrooms and 2578 heated square feet. This Kissimmee Bay gem also boasts a double sided fire place, double pane windows and a conservation view! The home is set in the sought after community of Kissimmee Bay that boasts an abundance of amenities including boat slip, rentable boat dock, RV parking, boat parking, tennis courts, children’s playground, basketball courts and a golf course. Don’t miss out one this wonderful buy! Contact us today for more information, or to schedule a showing!

http://orlando.craigslist.org/reb/955314306.html

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What Are The Three Credit Agencies?

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The 3 national credit bureau systems in the United States are:

Equifax

Experian

Trans Union


Related Links:

Consumer Website For Credit Information

What Is In A Credit Report?


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Fair Housing Act

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Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability).


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What is in a Credit Report?

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Identifying Information:
Consumer name, social security number, date of birth and employment information. Updates to this information comes from the information supplied by the consumer to the lenders, who report to the credit agencies.

Trade Lines:
Lenders report on each credit account. They report: the type of account (bankcard, mortgage, auto loan, etc.), the date opened, the credit limit and the payment history.

Inquiries:
When a lender requests a copy of a consumer’s credit report, that inquiry will display on the credit report. The inquiries section of the credit will show a list of all the lenders that have accessed the credit within the last two years. There are voluntary inquiries that are initiated by the consumer and involuntary inquiries such as pre-approved credit offers in the mail.

Public Records and Collection Items:
Public records include bankruptcies, foreclosures, lawsuits, wage attachments, liens and judgements.


Related Links:

What Are The Three Credit Agencies?

Consumer Website For Credit Information


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What Can I Buy For $79,900 in the heart of Kissimmee?

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UNBELIEVABLE PRICE!

Beautifully updated and modern. Your chance to own this great 3 bedroom home with all of the bells and whistles. New kitchen, flooring and light fixtures, 1/2 garage conversion to office and roof replaced in 2004! Short sale. Almost 1,300 heated square feet! Only $79,900! This home is located just off Michigan Avenue in Kissimmee. The home is minutes from shops, restaurants, US 192, Osceola Parkway and the Turnpike! Call today for more information or to schedule a showing!

http://orlando.craigslist.org/reb/951357445.html


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What Does 17 Bedrooms Look Like?

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Interested in purchasing a home that has 17 bedrooms? Stop by this property to see a 12 acre lakefront estate containing a main home of 19,000 heated square feet along with four other homes. This walled, gated property is a dream that has come to life. The five total residences equal 32,196 total heatde square feet. The front has Lake Sheen frontage.

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