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Archive for January, 2015

Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, Estero

Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, Estero. Selling a SW Florida home quickly and for a good price means attracting the broadest range of qualified Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, Esterohome buyers. That can depend on identifying as many appeal points as possible, then showing them off through an energetic marketing program. One increasingly prominent marketing point is one that used to be an unexploited side issue: green features. Just watch some of the latest TV commercials, and you’ll see what Madison Avenue’s researchers have decided—today’s consumers increasingly respond to eco-friendly product features.
Selling a home in SW Florida can benefit by incorporating the kind of green features that just a short while ago used to be underplayed (or overlooked entirely). But Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, Esterotoday’s buyers also tend to be a sophisticated crew. It’s no longer enough to simply sprinkle buzzwords in a listing or tear sheet. Here are some tips gleaned from successful appeals to green home buyers:
Focus on the Numbers
Typical green home buyers aren’t just thrifty—some studies conclude that saving money is their primary focus. The NAR finds that heating and cooling costs are at least somewhat important to 85% of today’s home buyers. Selling to value-minded home buyers in SW Florida means that listing and supplementary materials should emphasize concrete data on the savings to be had from a property’s energy-efficient features. The way to do that? Gather the manufacturer’s information for operating cost saving projections. Green is ‘green’ in more ways than one!
Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, EsteroBe Specific
What’s called “green washing” by marketers has left buyers more willing to dismiss vague environmental benefits that are more sizzle than steak. Use precise information to break through the marketing fog of green buzzwords—to make a pitch that resonates with sophisticated prospects. A little research will yield specific eco-friendly details: for instance, when listing features like doors and windows, using technically precise terms like “low-e glass” instead of “energy saving windows.” Likewise, rather than promoting “efficient appliances,” cite the “Energy Star-rated dishwasher.”
Provide Documentation
To demonstrate that a home’s green pedigree is more than just sloganeering, making Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, Esteroavailable copies of the original documentation of eco-friendly materials and appliances can be a difference-maker. If possible, haul out the old energy bills to demonstrate “before and after” utility consumption figures. Energy certifications, performance specifications and environmental ratings provided by manufacturers can quash objections from even the most sales resistant green home buyers.
Selling a SW Florida Home to Savvy Green-Conscious Buyers. Naples, Ft. Myers, Bonita Springs, Marco Island, Lehigh Acres, Estero. I like to set up a small display with those kinds of materials during open houses for my clients whose SW Florida homes sport valuable green attributes. If your home has strong eco-friendly sales points—or if you are in the market for one—give me a call today!

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3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Coral

3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Coral. When your house is about to go on the market, or you are preparing to find the perfect SW Florida home, choosing the right SW Florida real estate agent shouldn’t be a blind Trick-or-Treat grab bag. You deserve to come up with 3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Corala full-size candy bar—not a walnut!
The right choice can make all the difference between a smooth, seamless process and a stressful, ongoing post-Halloween nightmare—the kind that can pop out of the woodwork to haunt you for years to come! Before you buy or sell a SW Florida home, here are some qualities you can keep in mind as you select your real estate agent:
1. True Enthusiasm
Look for real enthusiasm from your real estate agent brings to your project. Every good salesperson will present themselves with energy—but a truly engaged agent will demonstrate true enthusiasm by being willing to work with you in a way you that fits your personal style. Beyond just feeling comfortable with the agent’s personality, if you’re accustomed to communicating via text messages or email, the 3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Coralright real estate agent should volunteer to communicate that way. If you prefer the personal touch of in-person meetings or telephone calls, the right agent will be happy to accommodate. According to this year’s Generational Trend Survey from the National Association of REALTORS®, younger buyers prefer text, while older buyers prefer phone. When you think about it, isn’t an agent who’s used to accommodating all kinds of communication media the one most likely to gets results from the whole gamut of today’s buyers and sellers?
2. In the Range
Some (not all) real estate agents in SW Florida specialize in niche markets. Your own 3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Coralagent doesn’t have to specialize exclusively with homes in your price range, but should be familiar with that market—have listed and sold homes within it. That agent will have a better understanding of what’s available in SW Florida, and have a good handle on the values recently demonstrated.
3. Dedication
There are undeniable advantages to choosing a full-time real estate agent over a part-timer, no matter how personable. Although there are good agents who are work part-time simply because they prefer to deal with one client at a time, a full-time agent3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Coral typically has more experience in the field. Since they have declared real estate as their single career choice, they tend to have more on the line when it comes to delivering for their clients. When other obligations are secondary, they are freer to work within the confines of your schedule. The question to ask a part-time agent with another full-time job is whether he or she will be available when you need them to be. In a way, it harkens back to that first quality—an agent who is willing and able to work with you the way you prefer.
3 Things to Look for in Your Next SW Florida Real Estate Agent. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Estero, Cape Coral. When you keep in mind the qualities you are looking for, taking a little more time to ask a few extra questions will pay off in the short and long runs. Why not give me a call today? I’m willing to bet you’ll put me in your short list of prospective SW Florida real estate agents!

SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estates

SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estates. The financial press has been on it for a while: in September, Bloomberg News was pointing out that FHA mortgages to borrowers with weaker credit scores had plummeted 19% in the previous nine months. Something, you SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estatescould sense, was about to give—but, per Bloomberg, “Washington regulators and major banks continue to haggle…”
True, home prices were up, which put a smile on SW Florida homeowners’ faces. Yet the number of sales was less than overpowering. In reaction to the housing bust, regulators had tightened the screws on mortgage lenders, causing them to raise requirements for borrowers— SW Florida mortgage applicants included. So although the price rises were encouraging, the difficulty in getting mortgages became a drag on the number of home sales.
Now the latest rumbles could be potentially breakout news for SW Florida homeowners and investors—indeed, for anybody with an inkling to sell an SW Florida home. It’s not a done deal, but on Saturday we got more than a hint of what’s likely to come. Lead rumor-monger: The Wall Street Journal.SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estates
“Mortgage Giants Set to Loosen Lending” was the front page headline. Fannie Mae and Freddie Mac were the giants: the two mortgage titans are essentially creatures of the federal government, regulated by the Federal Housing Finance Agency. They are owned by the Feds and some private shareholders (who seem to sue each other frequently). The long and the short of the story was that they are close to an agreement with mortgage companies—a deal that would protect lenders and make it easier for borrowers with weak credit to access home loans.
When Fannie and Freddie say ‘boo,’ the banks shriek in terror (and not just when it’s this close to Halloween). Their lending guidelines govern a huge proportion of the nation’s mortgages. They impact SW Florida mortgage availability—and therefore the number of qualified potential SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estateshome buyers. Following the worldwide financial meltdown, a lot of worthy people found themselves in that “weak credit” category. It couldn’t help but affect SW Florida mortgage volume, and therefore real estate activity. Sales suffer.
Although the Journal relied on unnamed sources, the tone of the story (and its top-of-Page 1 positioning) sounds like the principles are sending up a trial balloon. They might be testing public opinion, since the new agreement would amount to a partial rollback of the strictures created in reaction to the loose mortgage governance that preceded last decade’s meltdown. The new guidelines would make it “easier for lenders to offer mortgages with down payments of as little as 3%” for some borrowers.
Fannie and Freddie’s new generosity may have something to do with the fact that SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estatesthey have reclaimed tens of billions of dollars in penalties paid to them for past underwriting mistakes. The new agreement would also offer some protection for lenders on that score, which would lower mortgage creators’ overall risk calculation. If that happens, it should be the break many SW Florida mortgage applicants have been awaiting.

SW Florida Mortgage Rules Could Ease — if the Rumors Hold! Naples, Ft. Myers, Bonita Springs, Marco Island, Golden Gate Estates. If you have been looking for a positive sign to list your SW Florida home, or if you are a potential home buyer who’s been discouraged by tight SW Florida mortgage lending, your wait may be over. Per The Journal, “The moves could be announced as soon as this coming week.”Give me a call if you’d like an update on that and on the overall current situation!

SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Estero

SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Estero. Whenever you read up on important aspects of selling a home, the word ‘clutter’ keeps popping up everywhere (if SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Esteroyou doubt that, just Google “clutter”—this morning, I got 7 ½ million entries!).
Most elements that go into selling a home are self-explanatory—since SW Florida homeowners have by definition been through the process of buying at least one SW Florida property, they have personal experience to go by. Chances are that they already know that one detail that can have a disproportionate impact on the final price a home fetches is the presence of clutter.
Impact of Clutter on Appraisals
Unless the clutter inside and around the home actually begins to impact the structural integrity of a home, it will not affect the appraised value. An experienced SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Esteroappraiser will have encountered numerous cluttered and messy homes, and will be well able to focus on the actual value of the property without being influenced by its contents. After all, as far as the appraiser is concerned, since any disorder will be long gone once the current owner moves out, the property’s intrinsic value remains unaffected.
But a property’s appraised value is one thing—what SW Florida homebuyers decide to offer is quite another…
Impact on Marketability
An appraised value may seem as if it’s the most important figure—after all, SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Esteroprofessional appraisers know what they’re doing, right? And the appraisal will play an important role when it comes to how much the bank decides to lend as the mortgage, right?
True—but the far more important figure is actually what real life prospective buyers decide to offer. That will be a complicated personal decision that is just as dependent upon the perceived value of the property as on anything else. If the buyer has visited other local homes, a comparison with them will be part of the calculation. Added to that will be what happened—how it felt—during the walk-through: how pleasant an experience it was on the first and subsequent visits; how easy it was for the prospect SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Esteroto picture their own family at home there. If any amount of cluttered, disorganized personal items were part of that experience, it’s nearly certain to literally cost thousands on the bottom line—appraisal or no. It’s why any veteran real estate agent will advise clients to make sure that their house is thoroughly “de-cluttered” before the first potential buyer crosses the threshold.
SW Florida Home Sales and the Ubiquitous “Clutter Effect”. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral, Estero. Important as it is, the clutter factor is just one element that goes into creating the attractive package—one sure to motivate the buyers. If this winter will see you listing your own SW Florida home, I hope you’ll give me a call to discuss all the other pieces of the marketing program that I will bring to your sale!

Rates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh Acres

Rates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh Acres. Despite what just feels like the right answer, buying a home in SW Florida can be significantly cheaper than renting one. It’s one of those rare cases where, if you stop and make common sense judgments about the factors at play, the ‘just feels Rates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh Acreslike’ conclusion is the opposite of the one common sense leads you to. Much of the reason has to do with short-term versus long-term considerations (buying a home starts with paying a sizeable down payment, after all); but over the long haul, the amount of cash at stake is so great it’s worth taking a hard look at this fundamental housing choice.
Four leading factors that currently come into play:
• Increased Demand Has Made Rentals More Expensive
After the subprime mortgage mess-between 2007 and 2013—something like 6,200,000 people were added to the number of tenants. That boost created enough extra demand for rental units that owners had no trouble increasing monthly rates. Rates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh AcresIt’s a simple case of too little supply chased by too much demand.
• Low Interest Rates Make Homes Cheaper in the Long-Run
The current unusually low-interest rates makes the tradeoff with renting an easier call. This fall, SW Florida home buyers can expect to find 30 year mortgage packages at rates in the low 4% range. If interest rates rise considerably—which just about everyone expects—rental rates can be expected to rise proportionately as landlords cover the added expense. But those who buy a SW Florida home lock in the lower interest rate: the ‘price of money!’
Rates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh Acres• Buying a Home Yields Predictable Cash Flow
When you buy a SW Florida home, your mortgage comes with a repayment schedule that shows you exactly how much you are required to pay each month until the end of the loan’s term. With a fixed rate mortgage, the monthly payment amount is an iron-clad guarantee of what you will need to budget. With a fixed rate loan, the dollar amount will usually stay the same (or even fall as the mortgage nears its end). Conversely, unless a major change occurs in the rental market, rental prices will continue going up. And the common sense of consumers knows what to expect, reflected in last month’s Mortgage Reports headline:
“Consumers Expect Rents to Rise 2x Faster Than Home Prices in 2015”
• Buying is a Long-Term Investment for Stability
In addition to the price rise factor, renters will have to keep paying rent for a lifetimeRates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh Acres—while homeowners eventually get to stop making mortgage payments. Anyone buying a SW Florida home in their 30’s can expect to have paid for it before they reach retirement. That’s very good news, because their living expenses will go down around the same time they start making less money. In contrast, renting just keeps getting more expensive… which can put extra financial pressure on retirees.
Rates, Predictability Make Buying a SW Florida Home Logical. Naples, Ft. Myers, Bonita Springs, Estero, Lehigh Acres. If you find yourself on the cusp of renting or buying a home in SW Florida, today’s rates should weigh heavily in your decision. If you find that it makes financial sense to buy, the next step is easy: give me a call!

Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden Gate

Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden Gate. A recent Zillow survey again confirmed that extensive renovations are usually not the shortest path to a sale. Across the board, experts agree: it’s still curb appeal and home staging—staging that highlight’s a home’s best features while downplaying its flaws—that often prove most effective.
Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden GateSo, after your SW Florida house smells like fresh-baked cookies and your walls have been freed from family photos and a roaring fire has made the living room warm and inviting…what if those basic staging moves still haven’t produced the offers you know your home deserves?
SW Florida staging pros have a lot more tricks up their sleeves. Here are three:
1. Hide Your Demographic
Maybe you’re the parent of four, so your house is full of kids’ bedrooms, toys and playrooms. Perhaps Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden Gateyou’re selling a home or bachelor pad with minimal decor and lots of high-tech devices. Maybe you’re putting that empty nest on the market after living in it for decades. The fact is, SW Florida staging veterans work from the premise that potential buyers shouldn’t be able to walk into a house and be able to tell how old you are and who lives there. That does make sense, since the goal is to cast a wide net—to make the broadest possible group feel as if the place is a perfect fit for them. Broaden your home’s appeal by eliminating those items that are specific to your demographic. You want potential buyers to see the home as theirs, not as one designed for a large family, a single guy, or a pair of empty-nesters!
2. Revamp a Boring Space
Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden GatePotential buyers go through a mental checklist when they evaluate a house. Functional kitchen? Check. Comfortable living space? Got it. Inviting bedrooms? Sure—but lots of other SW Florida homes may pass the same test. Surprise your potential buyers by transforming an ordinary space into something unexpected. For example, a spare bedroom could be just a duplicate: welcome, perhaps—but indistinguishable from all the other SW Florida homes’ third or fourth bedrooms. What if you transform it into a cozy reading nook with bookshelves and a comfortable window seat? Or create a craft room centered on a large work table, corkboard wall and shelves? Or appeal to every woman’s fantasy (okay; probably a lot of men’s, too) by creating a spacious walk-in closet with hanging racks, shelving, aGoing the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden Gate full-length mirror and vanity? Smart staging can transform an ordinary space into something extraordinary…and your SW Florida home into the one with the ‘sold’ sign out front.
3. Appeal to the Type-A Organizer
A perfectly organized house may exist only in our imagination, but a well-staged home comes close! Now—how about staging your home to give potential buyers the tools to stay organized? Extra shelving units and organizational features in cabinets Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden Gateand pantry make a well-organized kitchen easy to maintain. A modest investment in custom closet organizers will instantly upgrade ordinary closets. Bike storage, heavy-duty shelves, a workbench—even just a couple of wall-mounted pegboard tool organizers—can keep the garage neat as a pin. Maximize the functionality of your home by demonstrating how easy it will be to stay organized in it!
Going the Extra Mile: 3 Staging Tips for SW Florida Homeowners. Naples, Ft. Myers, Bonita, Springs, Captiva Island, Golden Gate. Home staging the extra mile can mean attending to small things that make a difference. Then (one of the larger things) will be to team with an experienced real estate professional—and that’s as simple as giving me a call!

Do You Want to Hear the Good News–or the Good News? Naples, Ft. Myers, Bonita Springs, Sanibel Island, Cape Coral

Do You Want to Hear the Good News–or the Good News? Naples, Ft. Myers, Bonita Springs, Sanibel Island, Cape Coral. When it comes to tracking the national housing market’s performance, CoreLogic is one of the industry’s top voices. They provide insights and trend projections based on “trillions of data points” to anyone interested in “housing economies and Do You Want to Hear the Good News--or the Good News? Naples, Ft. Myers, Bonita Springs, Sanibel Island, Cape Coralproperty markets” (that’s the dry-as-melba-toast description of their focus area).
From time to time I come across their blog (the one with the exciting title of—wait for it— “Insights”). It’s worth reading because their national data has a track record of providing a fairly accurate profile—one we can compare with our local SW Florida housing market trends. It should be of interest to any SW Florida homeowner since, as CoreLogic puts it, “this is information which is at the core of every smart decision.” Hard to argue with that.
At the end of September, they came up with a look at the housing market thus far in 2014, and a look into the future. The year’s history to date was pretty much what’s been reported and confirmed elsewhere. A quick summary:
• Nationally, rates on 30-year fixed mortgages: steady at around 4.25%
• Freddie Mac reports continuing refinancing decline [of course: most folks’ mortgage loans have great rates already, so Do You Want to Hear the Good News--or the Good News? Naples, Ft. Myers, Bonita Springs, Sanibel Island, Cape Coralwhy refi again?]
• Existing home sales healthy & growth rate steady
• “Pent-up supply and demand dynamics gripping the housing market…”
Hold it! What was that?
“Pent-up”? “Gripping”?
This was anything other than the staid, predictable language we expect from CoreLogic. I didn’t say boring (because blogger Mark Fleming is a good writer)—but fireworks are definitely not Insight’s hallmark. Sooooo…what’s with the drama? You had to read further to see what caused them to get all worked up:
Do You Want to Hear the Good News--or the Good News? Naples, Ft. Myers, Bonita Springs, Sanibel Island, Cape Coral–In a slow-moving housing market [like the SW Florida housing market, for instance], a major decline in prices can take 5 years, and the bounce back to prior levels another five years.
–Year-over-year, house price growth has been “consistently strong”
–The depth and duration of the current housing cycle is consistent with past local cycles
All of which leads to:
“Based on our forecast, nationally we may see prices return to the prior peak in as few as three years.”
Do You Want to Hear the Good News–or the Good News? Naples, Ft. Myers, Bonita Springs, Sanibel Island, Cape Coral. In case your take on our SW Florida housing market is anything like as bullish a scenario as that one, today could be a strategic time to give me a call! Whether your own plans involve seizing the moment to buy or sell, the first step is to place an experienced REALTOR® at the core of your team.

Autumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acres

Autumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acres. Having a SW Florida home for sale as autumn swings into full bloom has more than one advantage. First off, this is definitely not looky-loo season—the majority of home shoppers this time of year tend to be serious-minded (perhaps because many are hoping to be comfortably moved in by the holidays). Whatever the reason, because many Autumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acresother owners will wait until spring to put up their own SW Florida home for sale, if you are listing now, you can usually count on a narrower amount of competition.
A subtler reason why fall is an exciting season to put up a home for sale has to do with what can be a presentation advantage—the same reason home décor professionals like this time of year. It’s the Autumn Advantage: a time of year loaded with eye-catching decorating ideas. When the leaves start to change, it’s time to take advantage of the autumnal decorations that can make any SW Florida home for sale extra inviting.
• Pumpkins aren’t Just for Jack-o’-Lanterns
Modern Man may have cracked the atom and devised telescopes that can see to theAutumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acres very edge of the Universe, but it has still failed to come up with a way to spruce up a home for fall without adding a pumpkin or two. Why fight it? There are a thousand ways to use the ubiquitous squash in arresting placements. One example is to cut a generous hole in the top, then drop a fall-appropriately planted pot (think gold, red, orange and brown) through it, flowers and all. This “pumpkin plant pot” can work to add color both inside and outside any home for sale in SW Florida.
• Re-purpose an old Window
Where a rustic touch is appropriate, another autumnal planter idea is to find a discarded wooden window (the more thoroughly weathered, the better: decorators call it ‘up-cycling’), secure a potted plant to it, then hang it on the wall in place of a Autumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acresfamily picture (remember: when you have a home for sale, it’s recommended to remove as many of the personal mementos as possible). This “outside inside” décor trick creates a seasonal feel you can add to by embellishing further with dried leaves and berries.
• Scents of Autumn
Using scents can be central to fall decorating. These seasonal aromas can be counted upon to trigger positive memories for the visitors to your home. Scented candles are an appropriate way to add ambiance to your house. You can go further by tying cinnamon sticks around your candles, or adding a few drops of clove and cinnamonAutumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acres oil to your potpourri or fall arrangements (just don’t overdo it)!
• Fall: a Season for Comfort
If you’re thinking warm fires, plump cushions and plush throws to emphasize the coziness of the season, you’ll make it happen. A comfortable home highlighted with fall colors sets a scene that boosts the beauty of a home for sale unlike any other time of the year.
Autumn Advantage: Rich Décor Ideas for SW Florida Homes for Sale. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Lehigh Acres. Whether you have already listed your SW Florida home for sale, or are just now setting the stage, give me a call to put together a marketing blitz that will use the season to make that sale happen!

SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral

SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral. Buying an SW Florida home—especially if it’s your first—takes attention to detail, even for home buyers with SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coralspotless credit. The challenge is a good deal greater if your credit score has dropped below the level most banks require to approve a home loan.
The good news is that potential SW Florida home buyers with less than outstanding credit can still buy their first home—if. That “if” is in italics because ignoring it can turn into a real stopper. The thing that can make buying a home possible even with spotty credit is if you do some careful financial planning.
Careful = details are attended to—everyone.
Financial = it’s about the money: columns of figures, dollars and cents—not emotion.SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral
Planning = charting out the specific effects of actions taken now.
The first detail to be mastered is self-education: understanding the rules of the credit game. The most important factor banks use to determine mortgage eligibility is your FICO (Fair Isaac Corporation) credit score. FICO credit scores, which range from 300 to 850, are based on a number of factors. Two factors leading the parade are how much debt you have and your payment history. Usually borrowers need a credit score of at least 650 to qualify for a conventional home mortgage loan.
Although your credit score tops the list, it’s not the only factor. Banks will also consider the amount of money you can commit to a down payment. Too, various lending institutions have different rules for determining eligibility–and some offer non-conventional mortgage loans.
SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape CoralWhen banks lend money, they are in essence taking a calculated risk that the mortgage-holder will be able to pay it back. The more money you can commit to a down payment, the lower the risk for the bank. If you have a low credit score, but offer to make a large down payment, you increase the odds of being approved.
You can always put off a home purchase for a while to build a down payment fund. But you might have more set aside than you think. A 1997 change in rules allows first time homeowners to tap into their IRA retirement fund before the age of 59 ½ without penalty. Anyone who hasn’t had a financial interest in a home during the previous two years is considered a first-time homeowner.
Another option to consider is a non-conventional loan. SW Florida first-time buyers with relatively low credit scores SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coraloften follow this route. You may also be eligible for government help through the Federal Housing Authority. FHA loans help to ease credit requirements—for example, some recipients with http://money.usnews.com/money/blogs/my-money/2013/11/01/what-to-do-if-your-credit-score-is-too-low-for-a-mortgage credit scores as low as 580 can qualify if they can afford a down payment of as little as 3.5%.
SW Florida Home Buyers Needn’t Let Low Credit Scores Stop Them. Naples, Ft. Myers, Bonita Springs, Marco Island, Cape Coral. It all means that a low credit score doesn’t necessarily mean you can’t buy that first SW Florida home. Call me for an introduction to a lender to start your pre-approval process today!

Swooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden Gate.

Swooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden Gate. When you hear the word “drone,” you’re more likely to think military target than SW Florida residential listing. Swooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden GateBut drones could be the Next Big Thing in real estate photography—that is, if they don’t run afoul of the law.
Technically known as Unmanned Aerial Vehicles (UAVs), drones have swooped and dived into the public consciousness in a big way within the past year. In addition to the amusing tiny model helicopters that have been found under many a Christmas tree over the few holiday seasons, their more ambitious cousins, remote-controlled, lightweight flying vehicles have begun to be used by firefighters, filmmakers, and the military. And as the technology becomes less and less expensive, everyone expects to see drones in more applications than you could imagine—for instance, CBS’s 60 Swooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden GateMinutes report that previewed Amazon.com’s plans to test online purchase deliveries via driveway drop-offs by creepy four-rotor drones.
What’s the connection with SW Florida real estate? Just ask commercial photographers, who think the lightweight vehicles would be their key to the perfect high production value property shots. Think of it: instead of chartering an expensive helicopter flight to photograph a site from the air, a real estate photographer could use a much cheaper and more easily controlled lightweight drone. The result? Dramatic, breath-taking shots that used to be only rarely seen in listing video tours Swooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden Gate(and then, only in million-dollar listings). With more than 90% of prospective home buyers now using the Internet, those kinds of shots could make the difference between a stagnant listing and a quick turnaround.
But don’t hold your breath for the rise of drone-based real estate photography—at least not yet. The Federal Aviation Administration requires a permit for each flight whose goal is the “commercial use of airspace”—even by small devices like photography drones. As a consequence, the National Association of REALTORS® is advising real estate pros not to use drone-based photography until next year, when new FAA guidelines will be announced. Until then, a special FAA waiver has to beSwooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden Gate obtained for each flight (and you can bet a local property would have already been sold long before that came to pass!)
While we may heave a sigh over the exciting drone videos that might have been, the real possibility that drones will become a factor in SW Florida’s residential real estate reinforces the importance of having your home sale-ready from all angles. Imagine the fallout if drone photos revealed a leaky roof—or an unkempt backyard!
Bottom line: it’s always going to remain vital to prep a property to shine in more than just the “curb appeal” photo.

Swooping and Diving into Our SW Florida Real Estate Future. Naples, Ft. Myers, Bonita Springs, Isles Of Capri, Golden Gate. That planning can start with a call to my office for a no-obligation review of how to set into motion a proven marketing plan that gets your SW Florida home sold!