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Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs

Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs. As a home seller you want to initiate that positive feeling from a prospective buyer; choosing a new home is a very emotional thing and it is this emotional vibe that you want to tune Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs.into to. It is always the first impression that will dictate the buyer’s mood.

Think of the times that you have been in the audience waiting to hear a speech. When the person walks onto the stage you are expectant and interested in what he has to say. In the first one minute he either has your attention – or you are wondering where he bought his shoes from. If he has wit, a smile and a bright voice you will listen. If he drawls, sounds dull and is talking too quietly your brain leaves the stage.

You will only listen to a boring speaker if you really want to hear what he has to say. Your house is like the speaker. If it appeals in the first minute, the buyer will proceed with interest and enthusiasm. If the first appearance doesn’t draw the buyer in, he will approach the viewing of your home with the thought that he is wasting his time. This is where the price of your house comes in; if there is nothing much going for it, then make sure you take the realtor’s advice about the price.

If you know your house is a no-frills house, then the first impression will be critical to set the mood. A realtor calls this curb appeal, and if yours is not able to look ‘fantastic’, it can at least look Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs.promising.

Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs. Step outside your house, and walk to the street and scrutinize your own home from the sidewalk. Check for things like scuff marks around the base of the house and broken parts of fence. Sweep the paths and hide the garbage can. Make sure the gardening is done – no dead weeds or yellow patches on the lawn.

Certain additions can make your home look as if it is cared for. For instance, plants in pots around your front door. A statue or an elegant bird bath placed centrally in your lawn can take away the plainness of a yard. If you are worried about theft, most of these are too heavy to be easily moved. Flowers or plants can be grouped around it.

Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs.This applies to any season. If you are selling your home in autumn you can always buy some potted chrysanthemums or azaleas, if you are selling in spring use daffodil and crocus etc. Whatever time if the year, there can be either flowers or berry bushes in the yard. The back yard will not count so much in terms of first impressions. So concentrate on the front for the first visual impact to your buyer.

One very easy solution to the visual appeal problem is to have a very soft bed in the front and cover it with wood chips. As each season turns, a different group of pot plants can be ‘dug in’ to the soft soil. Once the daffodils die, those pots get pulled out until next year and the petunias go in, then Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs.chrysanthemums, until finally it is the winter pansies and the berries. With a bird bath in the center and about three small ever green shrubs, your front yard will always have appeal.

Plants and Emotional Appeal In House Selling, SW Florida Real Estate, Naples, Fort Myers, Bonita Springs. It is not just that you are appealing to the type of person who likes a nice yard; if the yard is looking good, it will make the buyer think that the rest of the house will be looked after and he will approach the viewing of your house in a positive way. This positive attitude means that the buyer’s frame of mind will be open to the emotional appeal of your home.

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Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of Capri, Fort Myers, Cape Coral, Estero

Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero.  How many buyers must see your ad before you get an offer? How many buyers will respond to your ad if you’re asking $30,000 over market value for your home? What do you do once Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero. you receive your first purchase offer? This article will help you be prepared to address each of these questions because you’ll need to when selling a home on your own.

How many buyers must see your ad before you get an offer?

The short answer is: As many as it takes. There is no secret formula to the quantity of advertising that must be done as a for sale by owner (FSBO). The general rule of thumb is “the more, the better”. Most FSBO sellers that end up listing with a real estate agent underestimate what is required in the advertising department. They think posting a sign in the front yard and making some flyers to hang in local grocery stores will be sufficient. Some even think posting an ad in the local newspaper for a weekend will do the trick. While these are all good things and highly recommended, they should not be the only things done.

Around 75% of all buyers begin their home search on the internet now. In case you weren’t paying attention let me just say that again. Around 75%, or three-fourths, of all buyers look on the internet first when shopping for a new house. How should that statistic be interpreted? Well, it seems fairly obvious that placing an ad on the internet is pretty much an absolute must. There are a number of Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero. web sites where for sale by owners can advertise their home for sale with a mountain of details along with a variety of photographs. Buyers love information, so provide as much as you can.

How many buyers will respond to your ad if you’re asking $30,000 over market value for your home?

Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero. The short answer is: none (unless they are total suckers). Pricing your home fairly and according to market value is one of the most important things you need to do as a for sale by owner. If a for sale by owner prices their property too high, there is a good chance of little or no buyer response – no matter how much advertising is done by the seller. Contrarily, if a house is priced too low, there will likely be an enormous response and the seller may end up taking $1000’s less than they should. Pricing too low isn’t as common as pricing too high, however.

The problem is that most FSBO sellers overprice their homes, and as a result they get little response. With little response, the seller grows tired and/or loses confidence that they can sell on their own, and they eventually hire a real estate agent. Often, the real estate agent will simply help the home owner price the home better and a buyer suddenly appears.

Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero. You can find out the market value of your home by ordering a professional appraisal ($300-$500), using an electronic appraisal service online or by requesting a Comparative Market Analysis (CMA) from your local real estate agent. Without knowing the market value of your real estate you are just guessing. Do you have the time to waste while you try to guess right?

What do you do once you receive your first purchase offer?

Real estate agents charge between 3-6% of the final sales price of a property. Avoiding this cost is one of the major incentives for most FSBO sellers. But by avoiding the Realtor, the home seller also forfeits the agent’s experience and know-how. This void causes many FSBO sellers such heartache and distress that a successful sale is often not achieved, resulting in the eventual hire of the agent.

Wise FSBO sellers fill the void created by the lack of a real estate agent. Some do this by using their own experience and doing their own research. Others do it by building a team of professionals who will be involved in the transaction anyway: a mortgage broker, a title company, an appraiser and Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero. possibly an attorney. These professionals have oodles of experience when it comes to completing the transfer of real estate from one person to another. They know what is required in their particular niche and they can often point a seller in the right direction when a question arises.

Conclusion

Three Ways FSBO Sellers Stumble, SW Florida Real Estate, Naples, Isles Of  Capri, Fort Myers, Cape Coral, Estero. Don’t sell your home on your own without having planned for the three questions listed above. Advertise the fact that your house is for sale like crazy, find out what it’s worth and make your asking price reasonable, and know what to do once you get an offer.

Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springs

Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springs. Just about everyone one enjoys being outside. There is just something about being outdoors that creates excitement.  While all individuals may enjoy relaxing or playing in their Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springsbackyard, there are some who get the chance to be outside more than others.  Those individuals include teenagers. Most teenagers love being outside; in fact, during the summertime most can be found in their backyard. 

One thing, when it comes to teenagers, is that many are hard to please. This is because many teenagers are at the age where they easily lose interest in certain activities.  If you are the parent of a teenager, especially one that will be spending their summer break at home, you may want to familiarize yourself with some popular backyard activities, especially those designed with teenagers in mind.  Not only may this familiarization give you ideas for family friendly backyard activities, but it may also help to ensure that your teenager is outside, instead of spending their summer indoors.

If you have a pool in your backyard, your teen may literally be set for the whole summer. Although many teens get bored with certain activities, there is just something unique about a swimming pool. Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita SpringsIn fact, if given the opportunity, many teenagers would spend their entire summer break in their swimming pool.  While most teenagers are experienced swimmers, not all are.  If your teenager will be spending their summer break alone, you may want to establish some pool rules. These rules may help to ensure that they are safe while swimming alone.

Even though swimming is one of the most popular backyard activities, for teens, not everyone has a pool.  If you are looking for a way for you child to cool off during the summertime, but without having to purchase an expensive pool, you may want to examine the kiddie pools that are available. Kiddie pools are a great and safe way for teens to say cool in the summer.  When it comes to kiddie pools, not all teens will want to use them. However, many teenage girls enjoy wading in a kiddie pool, especially with their friends.

Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springs. If a swimming pool, including a kiddie pool, is not an option, you may want to focus on Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springsother fun, outdoor water activities.  Many teens enjoy playing with water balloons or water guns. These water activities are a great way to cool off, but they are also fun to play with others.  Whether your teen is playing with their siblings or their friends, it is safe to assume that everyone will have a fun and cool time. 

Other fun, but dry, outdoor games may include horseshoes, basketball, football, soccer, kickball, baseball, or volleyball. As with most games, the games that your child will be able to participate will depend on if they are playing by themselves or with someone else. For those playing alone, basketball is an idea. Teens playing their siblings or friends will not have a shortage of games to choose from.  In fact, most backyard games are designed with two or more players in mind.

While it is important to focus on backyard activities, such as games, you may also want to think about what your child will eat. If they will be spending the majority of their time outside, you may want to think about allowing them to eat in the backyard.  Barbeques are ideal, when adults are present.  If your teen will be alone or with their Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springsfriends, you may want to suggest a backyard picnic.  A few drinks, sandwiches, or snacks can make for an easy and safe backyard meal.

Teens And Backyard Activities To Enjoy, SW Florida, Naples, Fort Myers, Marco Island, Bonita Springs. When organizing backyard activities, for your teen, you may also want to get them involved.  Teenagers are at the age where they like to make their own decisions. While your suggestions may be great appreciated, your teenager may have their own backyard activities in mind.  If this is the case, that is fine; however, you may want to make sure that those backyard activities are not only fun, but safe. 

Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of Capri, Naples, Ft. Myers, Cape Coral

Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral. Tax foreclosures are the business of buying properties for little more than the back taxes owed.  When owners do not pay property taxes, the taxing entity has a legal right put a Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral.tax lien on the property in the amount of the past due taxes plus any interest and penalties.  If taxes remain unpaid, the taxing authority’s tax lien gives them the right to foreclose on the property and sell it at auction at a fraction of its market value.

There are a substantial number of instances where investors who buy a tax foreclosed property at an auction profit enormously.  However, not every investor who bids on tax lien and tax foreclosed properties can or will make a profit because this is a real case of what you don’t know can hurt you.Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral.

So it’s very important to have correct and up to date information about the auction which is going to be happening in your place surround. Most of the time investors missed the golden opportunity where they could scored heavily. In order to avoid such a situation one should check the auction list time to time, although the power of the Internet makes a vast amount of information available on tax foreclosure event for people who no longer need to run to their local library to read outdated or hard-to-find information. 

Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral. By book marking this site and checking it often for new and updated articles, you will find that searching for the golden tax foreclosures event opportunity is not the dull Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral.process other sites make it out to be.  Using comprehensive tax foreclosure and tax lien research site makes finding tax liens and investing in tax foreclosures easier and quicker.  You no longer need to search all over the internet for vague and confusing information on tax liens or tax foreclosures.  Beside internet is the fastest guide to get foreclosure listings. Also, it is less laborious. However information of properties held under foreclosure listings can also be obtained from the courthouses.

Thus it’s essential to get proper information on accurate time to strengthen your foundation in foreclosure business; you simply can visit several tax foreclosures website or can even watch special bulletin and most effectively by visiting the agent who could tell you more about properties, laws, ordinances, deeds, and loans before dealing with some thing huge. Try to learnSpotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral. title searches as fast as the professionals.

Spotting Tax Foreclosure Property In USA, SW Florida Real Estate, Isles Of  Capri, Naples, Ft. Myers, Cape Coral. Get to know government policies that have property records and tax assessment records. Get to know the property values in an area where you are going to invest. Always keep a close eye on the day-to-day affairs of your town who know some where you might receive heavy outcome which later become a source of joy on your face for ever.

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers. We all realize that it is not the ideal time to try to list your home, but if you are buying in the same area, then Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers.your lowered house price will also be reflected when you buy your replacement house. Nothing is lost therefore – or is it?

Sometimes we can become aware of the fact that we really must move. Maybe the children are too big and we really need to move for that extra bedroom; perhaps there is a need for a bigger rec room, or an extra bathroom.

Many circumstances make house-moving come to mind, but have you worked out the cost of re-modeling as opposed to the cost of moving? When we think about moving, we often think of all the irksome things about our home, but we do not remember all the conveniences that might not be available in the next home.

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers. What about the Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers.qualities you really like about this home? Even small things like the sun shining into your kitchen in the morning are priceless to some people.

One of the first things to consider is your ‘gut feeling’. Do you want to move because you want to get away from something that is bugging you in that house? If so, think about including that in a re-modeling project (as long as it is not an irritating neighbor!)

Write down all the things that are missing in the house you are in, that you know you can afford to buy in the next house. For instance, a third bedroom is one reason you must move, and you would like a big yard. But have you checked the prices of three-bed roomed homes with a big yard in your area?

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers.Cost is really the biggest factor that we all have to take into account. Obviously the comparative costs of moving versus re-modeling may play a part.

It is easy enough to calculate the cost of re-modeling, you simply ask a builder for a quote. (Use several builders.) If you are doing it yourself, then it will take longer to calculate everything you need to buy. Some hardware stores offer a quotation service. There are on-line services for instance on the Home and Garden Web site, where you can pick out your kitchen or bathroom type, choose cabinets and colors of your choicer, one click and it all whizzes into place!.

So the cost of re-modeling seems straightforward, but what of the fact that by remodeling, you are also increasing the value of your house. Will you therefore deduct some of the value from your ‘cost’ of re-modeling? Statistics say that 80% of the renovating costs for a new kitchen or bathroom are recouped in the sale price of the house.Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers.

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers. There are also short cuts you can take to get your dream kitchen, like just ordering new cabinet doors and drawers instead of refitting the whole kitchen. These replacement doors come in various price ranges starting from inexpensive white laminate up to classy dark cherry wood.

The cost of moving is harder to calculate, as it contains many hidden costs. For instance all the small costs like a day off work to move, the cost of moving boxes, the paint costs to touch up the outside of the house and those extra shrubs you will buy to make the yard look good.

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers.The larger expenses are easier to spot, for instance: the fee to the realtor, the difference between the cost price of selling your home and buying the new home, the closing fees and legal fees for both houses.

Then there is the actual cost of the physical move, will it be by a removal company or do you plan to do it yourself? Once in the new home, what of drapes and any extras that will be required.

Re-Locate Or Re-Model? SW Florida Real Estate, Naples, Marco Island, Ft. Myers. Once all the figures are in, and you have done the math, you may find it easier to make a logical decision and you also feel better in knowing all the cost factors involved – so there will be no surprises.

The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers

The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers. Are you planning on flying out of the country this year?  If so, have you even been on an international flight before?  If not, there is also a good chance The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers.that you have never been in an international airport before.  Even if you have visited an international airport before, is it the same one that you are planning on flying out of for your next trip?  If not, you are advised to fully research and examine the international airport that you will be using. You will find that are an unlimited number of benefits to doing so.

Perhaps, the most important reason for familiarizing yourself with the international airport that you will be flying out of is so that you can know where you are going. Most international airports do not only house international airlines, but domestic airlines as well. For that reason, most international airports are fairly large in size. In fact, some are so large that they may seem overwhelming.  By taking the time to research and examine each airport facility, namely the airport terminals, you will know where to arrive, where to park, and where to wait.

If you are interested in familiarizing yourself with the layout of your international airport, you have a number of different options. Perhaps, the easiest way is to visit the online website of the The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers.international airport in question. If you don’t already know the address of that online website, you should be able to find it by performing a standard internet search. Once you have arrived at the airport’s webpage, you should be able to find a map of the airport. Some international airports have interactive maps, but almost all airports have maps that you could easily print off your computer, if you wish to do so. 

The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers. It is also advised that you examine all airport fees. These fees do not include the cost of your airline tickets, but the cost of using certain airline services or features. For instance, a large number of international airports, especially those large in size, have offsite parking. This means that the parking lots, which are The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers.often long-term lots, are not within a reasonable walking distance to the airport terminals. If this is the case, you will need to make different arrangements. Most international airports will offer shuttle rides to and from their airports, but not all are free. In the event that you will be charged for using a shuttle service, you are advised to determine that cost ahead of time.

Although you may be able to receive a free shuttle ride from the airport parking lot to your terminal, you will not be able to get food and souvenirs free of charge. Although it is impossible to determine the exact cost of your souvenir purchases or the cost of your food, you should be able to make a reasonable estimate. This estimate may be important, especially if you are traveling on a limited budget. By examining the shopping centers and restaurants that you will have access to, you should be able to decide how much or how little you would like to spend at the airport.

You will also want to see if the international airport that you will be using has an estimated arrival time. Almost all airports request that you arrive at least two hours before your flight is scheduled to take off, but some international airports have other suggestions or advice for travelers. If you The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers.find that the airport recommends arriving three hours early, you are advised to arrive three hours early. This will help to ensure that you are able to make your international flight.  If a problem should arise and you miss your flight, it may be difficult to schedule another international flight right away; you may not only be required to wait a few hours, but a few days.

The Importance of Familiarizing Yourself with Your International Airport, SW Florida International Airport, Naples, Ft. Myers. As you can easily see there are a number of different reasons why you should familiarize yourself with the international airport that you will be flying in and out of. With this research taking a maximum of a few hours, you are advised to do it; you are guaranteed to walk away better prepared.

Buying A Home – Dealing With Lender Letters, SW Florida Real Estate, Ft. Myers, Isles Of Capri

Most people who set out to buy a home, be it house, townhouse, condo, apartment, or mansion on a hill, know they need to have a lender letter in hand saying they are qualified for a loan. What Apartments, BEACHES Boating Bonita Springs Buying Buying A Home Cape Coral Captiva Island Children Condo CONDOS Estero Estero Homes Family Fishing FLORIDA Florida Homes Florida Real Estate Flying Fort Myers Fun G, Boating, Bonita Springs, Buying, Buying A Home, Captiva Island, CONDOS, condos in bonita springs florida, condos in fort myers florida, condos in naples florida, Estero, Family, Family Vacations, Fishing, FLORIDA, FLORIDA CONDOS, FLORIDA HOME LOANS, Florida Homes, Florida Real Estate, florida real estate agents, florida real estate market, Florida Real Estate News, florida realestate, Florida Realtors, Florida Sunsets, Florida Vacation Homes, Florida Vacation Rentals, Florida Vacations, Fort Myers, Golfing, Home Loans, Home Mortgages, HOME REFINANCING, home sales, HOMES, houses for sale in florida, houses for sale in southwest florida, Mortgages, NAPLES, naples fla real estate, Naples Florida, naples florida map, naples florida real estate, naples florida real estate agents, naples florida real estate taxes, naples florida weather, Naples Real Estate, old naples florida real estate, Port Charlotte, Punta Gorda, RE FINACE, real estate florida, real estate in florida, Realtor, Realtors, realtors in bonita springs, realtors in bonita springs florida, realtors in cape coral florida, realtors in estero florida, realtors in florida, realtors in fort myers florida, realtors in ft myers florida, realtors in lehigh acres florida, realtors in marco island florida, realtors in naples florida, REFINANCING, Selling, Selling A Home, south florida real estate, Southwest Florida, Southwest Florida Real Estate, Southwest Florida Realtors, Sunsets, SW FLORIDA, SW FLORIDA CONDOS, SW Florida Home Rentals, SW Florida Real Estate, SW Florida Real Estate News, SW Florida Realtors, SW Florida Vacation Homes, SW Florida Vacations, Swimming, Vacation Homes, Watermost “civilians” (people not in the real estate business) don’t realize is how much the value of a lender letter varies.

Let’s look at some of the general ways a lender letter varies, which sort you want, and how to present it to a seller to put you in the best possible position to buy that seller’s property. If you’re working with a broker, he or she will coach you in these matters. If you’re shopping on your own, and especially if you’re looking at FSBOs (for sale by owner properties), you need to know this stuff.

Lender letters come in two general types, pre-qualification letters and pre-approval letters. The bold print on the page may call it one thing, and when the letter is read, it actually proves to be the other, so pay attention. A pre-qualification letter is weaker than a pre-approval letter.

Pre-Qualification Letter

The weakest pre-qualification letter basically says that “if everything the borrower has told me isApartments, BEACHES Boating Bonita Springs Buying Buying A Home Cape Coral Captiva Island Children Condo CONDOS Estero Estero Homes Family Fishing FLORIDA Florida Homes Florida Real Estate Flying Fort Myers Fun G, Boating, Bonita Springs, Buying, Buying A Home, Captiva Island, CONDOS, condos in bonita springs florida, condos in fort myers florida, condos in naples florida, Estero, Family, Family Vacations, Fishing, FLORIDA, FLORIDA CONDOS, FLORIDA HOME LOANS, Florida Homes, Florida Real Estate, florida real estate agents, florida real estate market, Florida Real Estate News, florida realestate, Florida Realtors, Florida Sunsets, Florida Vacation Homes, Florida Vacation Rentals, Florida Vacations, Fort Myers, Golfing, Home Loans, Home Mortgages, HOME REFINANCING, home sales, HOMES, houses for sale in florida, houses for sale in southwest florida, Mortgages, NAPLES, naples fla real estate, Naples Florida, naples florida map, naples florida real estate, naples florida real estate agents, naples florida real estate taxes, naples florida weather, Naples Real Estate, old naples florida real estate, Port Charlotte, Punta Gorda, RE FINACE, real estate florida, real estate in florida, Realtor, Realtors, realtors in bonita springs, realtors in bonita springs florida, realtors in cape coral florida, realtors in estero florida, realtors in florida, realtors in fort myers florida, realtors in ft myers florida, realtors in lehigh acres florida, realtors in marco island florida, realtors in naples florida, REFINANCING, Selling, Selling A Home, south florida real estate, Southwest Florida, Southwest Florida Real Estate, Southwest Florida Realtors, Sunsets, SW FLORIDA, SW FLORIDA CONDOS, SW Florida Home Rentals, SW Florida Real Estate, SW Florida Real Estate News, SW Florida Realtors, SW Florida Vacation Homes, SW Florida Vacations, Swimming, Vacation Homes, Water correct, he/she is eligible to borrow $XXXXXX.” All you really have here is the buyer’s word paraphrased by a lender. Unfortunately, there is an old adage in real estate that “buyers are liars”. This is well-known, so presenting this type of letter tells a seller you are not in a very strong position with the lender.

A stronger version says “I have looked at an ‘in file’ credit report, and based on that and what the borrower has told me, he/she is eligible to borrow $XXXXXX.” This is still not great, but it is a step in the right direction.

Pre-Approval Letter

The pre-approval letter says “I have checked this person’s credit reports, seen all necessary Apartments, BEACHES Boating Bonita Springs Buying Buying A Home Cape Coral Captiva Island Children Condo CONDOS Estero Estero Homes Family Fishing FLORIDA Florida Homes Florida Real Estate Flying Fort Myers Fun G, Boating, Bonita Springs, Buying, Buying A Home, Captiva Island, CONDOS, condos in bonita springs florida, condos in fort myers florida, condos in naples florida, Estero, Family, Family Vacations, Fishing, FLORIDA, FLORIDA CONDOS, FLORIDA HOME LOANS, Florida Homes, Florida Real Estate, florida real estate agents, florida real estate market, Florida Real Estate News, florida realestate, Florida Realtors, Florida Sunsets, Florida Vacation Homes, Florida Vacation Rentals, Florida Vacations, Fort Myers, Golfing, Home Loans, Home Mortgages, HOME REFINANCING, home sales, HOMES, houses for sale in florida, houses for sale in southwest florida, Mortgages, NAPLES, naples fla real estate, Naples Florida, naples florida map, naples florida real estate, naples florida real estate agents, naples florida real estate taxes, naples florida weather, Naples Real Estate, old naples florida real estate, Port Charlotte, Punta Gorda, RE FINACE, real estate florida, real estate in florida, Realtor, Realtors, realtors in bonita springs, realtors in bonita springs florida, realtors in cape coral florida, realtors in estero florida, realtors in florida, realtors in fort myers florida, realtors in ft myers florida, realtors in lehigh acres florida, realtors in marco island florida, realtors in naples florida, REFINANCING, Selling, Selling A Home, south florida real estate, Southwest Florida, Southwest Florida Real Estate, Southwest Florida Realtors, Sunsets, SW FLORIDA, SW FLORIDA CONDOS, SW Florida Home Rentals, SW Florida Real Estate, SW Florida Real Estate News, SW Florida Realtors, SW Florida Vacation Homes, SW Florida Vacations, Swimming, Vacation Homes, Watersubstantiating materials relative to income…assets…etc., and my firm is committed to making a loan subject only to receiving a copy of a contract to purchase and the property’s appraisal for the contract price or higher.” The letter may not say it, but it is also subject to the underwriting process that includes looking at updated credit information. Regardless, this letter carries a lot of power and sellers will be very happy to see you.

A Word to the Wise

The above discussion of lender letters brings up something you should be keenly aware of as a buyer. Your credit must not change in any substantial way between the time you first apply for a loan and the time you go to settlement on your new home.

If you’re buying waterfront property, do not go out and buy a boat until after you’ve closed on theApartments, BEACHES Boating Bonita Springs Buying Buying A Home Cape Coral Captiva Island Children Condo CONDOS Estero Estero Homes Family Fishing FLORIDA Florida Homes Florida Real Estate Flying Fort Myers Fun G, Boating, Bonita Springs, Buying, Buying A Home, Captiva Island, CONDOS, condos in bonita springs florida, condos in fort myers florida, condos in naples florida, Estero, Family, Family Vacations, Fishing, FLORIDA, FLORIDA CONDOS, FLORIDA HOME LOANS, Florida Homes, Florida Real Estate, florida real estate agents, florida real estate market, Florida Real Estate News, florida realestate, Florida Realtors, Florida Sunsets, Florida Vacation Homes, Florida Vacation Rentals, Florida Vacations, Fort Myers, Golfing, Home Loans, Home Mortgages, HOME REFINANCING, home sales, HOMES, houses for sale in florida, houses for sale in southwest florida, Mortgages, NAPLES, naples fla real estate, Naples Florida, naples florida map, naples florida real estate, naples florida real estate agents, naples florida real estate taxes, naples florida weather, Naples Real Estate, old naples florida real estate, Port Charlotte, Punta Gorda, RE FINACE, real estate florida, real estate in florida, Realtor, Realtors, realtors in bonita springs, realtors in bonita springs florida, realtors in cape coral florida, realtors in estero florida, realtors in florida, realtors in fort myers florida, realtors in ft myers florida, realtors in lehigh acres florida, realtors in marco island florida, realtors in naples florida, REFINANCING, Selling, Selling A Home, south florida real estate, Southwest Florida, Southwest Florida Real Estate, Southwest Florida Realtors, Sunsets, SW FLORIDA, SW FLORIDA CONDOS, SW Florida Home Rentals, SW Florida Real Estate, SW Florida Real Estate News, SW Florida Realtors, SW Florida Vacation Homes, SW Florida Vacations, Swimming, Vacation Homes, Water property. I once saw someone make this mistake and almost lose the property purchase because of it. He had to quickly find a new lender and accept a higher interest rate to keep the deal from going south.

If you’re moving from a small condo to a larger place, there’s the temptation to run right out and buy more furniture for your new quarters. Fine. Just wait until after you’re the proud new owner.

If you are serious about buying a home, a lender letter is a key part of your negotiating ammunition. To save yourself a lot of aggravation during escrow, get a pre-approval letter before you go house hunting.