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postheadericon 30 Year vs. 15 Year Mortgages

Loan-CrossingDiscussions of mortgages often focus on interest rates, but there is a much more basic decision to make. Should you go with a 30 year mortgage term or a 15 year mortgage term?

30 Year vs. 15 Year Mortgages

Any discussion of mortgages tends to turn on two points. How can you qualify for the most money with the lowest payment? How can you get the lowest interest rate for the mortgage? While these are two important issues, there is an addition one that people fail to consider, resulting in significant wasted money.

The term of a mortgage is extremely critical for a couple of reason. First, it sets the length of the obligation you are undertaking. Second, it defines the amount of interest you are going to pay over the life of the loan. These are huge issues when it comes to building equity.

The longer the loan, the more total interest you are going to pay. The trade off, of course, is you are going to have smaller monthly payments the farther you stretch out the obligation. While this may sound like a good goal when you first get the mortgage, it can backfire on you in the long run.

Most people focus on interest rates as a way to save money on mortgages. This is a valid approach, but playing with the length of the loan is a better way to save money. If you can cut the payments in half by going with a shorter loan, you can save huge amounts on the total interest repaid to a lender.removing-fear640x392jpg

The decision on the term of the loan is relatively simple, but entirely dependent upon your personal situation. There is no absolutely correct choice. First, you need to determine if you can comfortably afford the higher payments that come with a shorter term loan. In general, a 15 year mortgage will have payments 20 to 25 percent higher than a 30 year loan. Of course, you will pay the loan off faster, to wit, be building equity in the home quicker.

The modern mortgage industry has a variety of different term length products. When applying for a loan, take the time to evaluate the different terms to see if you can find a loan that is perfect for your situation.

postheadericon E Loans Mortgage- Mortgage Financing in Tampa FL- We Close With Them Style

E Loans Mortgage in Spring Hill Florida is your number one go to source when it comes to closing mortgages in Tampa FL

 

Here’s a little video we just put together. The team here had a blast shooting this one. Check it out, hope you like it!

 

 

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postheadericon Multiple Offers Are Here In Spring Hill FL, Here’s How To Beat Them!

Taking The Stress Out Of Real Estate

Beating Competitors When Multiple Offers Surface On Spring Hill FL Real Estate Listings

 

Part of the recovery in Spring Hill FL real estate scene is the increasing likelihood of multiple offers on a listed property. This is every seller’s dream— but if you are one of the bidders, it’s important that you don’t allow it to become your nightmare.

There is one way— the only sure way—to keep the specter of competing Spring Hill FL multiple offers from upsetting your home buying prospects. Summed up in one word, it’s “preparation.”

Preparation starts with assembling a strong financial package. If your target property attracts multiple offers, you want yours to stand out. By the time you learn that other offers are at hand, it’s probably already too late to begin putting together documents—they should be in hand before you even identify a property. Getting pre-approval for your loan in Hernando County, having a letter that says so, and being able to show you have funds available can be persuasive. E Loans Mortgage is a local lender in Hernando County and can help by going even a step further and give you a full underwriting approval. Having that in hand shows a seller or asset manager that you mean business. Believe it or not this in itself can be the difference in getting the deal or not.

When it comes to making the offer itself, although including “Subject to” clauses will protect you from unforeseen problems with the property, when multiple offers are on the table, the fewer contingencies the better. Again, only preparation will make this reasonable. If you’ve had an advance home inspection, and also made sure that there aren’t any right-of-way or easement issues, your offer can be significantly more attractive.Lake In The Woods

Personal preparation can be another positive. Visiting the property on several occasions at different times of the day should give you added confidence for what the home is truly worth to you…and when the listing agent and owner can put a face to your offer, it tends to strengthen its validity.

When multiple offers on a Spring Hill FL property occur, it’s possible that someone is going to bid more than the home is really worth. If you’ve done thorough research and know precisely what its value is in today’s market, that won’t be you. Having your bottom line number unshakably in mind means that in any bidding war, you’ll be able to sweeten your offer without hesitation. You can be creative, perhaps by offering to reduce the seller’s costs by picking up escrow fees, transfer fees or title policies; perhaps by offering the seller a few additional days to move without seeking financial compensation in return; perhaps by increasing the down payment or earnest money. When you know your bottom line, the arithmetic is uncomplicated (and your less-prepared competitors are more likely to throw up their hands!)

Agent TrustAnd then…should the bidding go over what you know it’s worth, you’ll be ready to walk away. There will be other properties to bid for – and we are always here to help keep all your options open!

postheadericon ‘Twas The Night Before Christmas In Spring Hill Florida

 

 

Twas the night before closing on one Christmas Eve,

Package was expected, an early delivery it was believed

Soon next day broke and the title agent appeared, no closing docs on email just as she feared.

 

 

Back at the apartment the silence was broken, with a frantic call from Nicole- What? No docs are you joking?

The children still sleeping, quiet in bed, while mom and dad prayed for their docs to get prepped.

Where is Steve Fingerman? Asked the Realtor with fear? When do you think he might appear? And just then he rode in on a horse with white hair.

 

With docs in the saddle and no time to waste, he broke through the door at that bustling title place.

As he dismounted his steed, as he fell off the horse, a little bit shaken but alas off the ground he arose.

 

On buyer, on seller, on Realtors galore. They all appeared in hopes that this closing wouldn’t be such a chore.

With no time to waste he took off his cloak, and out came the docs they waited to get since they all had awoke.

Closing went well and funding was swift, all in time to move in really quick.

Another happy buyer moved in and a seller moved on, all is Merry and happy on this Christmas dawn!

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

From the team at:

E Loans Mortgage

Steve Fingerman
President
E Loans Mortgage Inc.
NMLS #856640
www.e-loanmortgage.com

Cell 727-946-0904
Office 352-688-7949

postheadericon How Market Values Are Determined In Spring Hill Florida

Spring Hill Florida Mortgage Lenders

Need A Mortgage In Spring Hill FL?

Spring Hill FL Real Estate Values: No Kidding Around!
Comps are Real Estate Values’ Incomparable Tool

Spring Hill Florida Real Estate Values — They’re All Related

Whenever you hear that a neighbor’s house is on the market, the same question flashes through nearly every homeowner’s mind: how much are they asking?

That’s because of the nature of residential markets: our own homes’ real estate values (in fact, all Spring Hill FL real estate values) are connected with one another, and that asking price is an estimate of the current state of affairs. It has to be reasonable in order to attract the attention of serious buyers — but if it’s too reasonable, on closing day the seller will walk away with a lighter bank account than necessary.

Real estate values in Spring Hill FL are determined in large part by what other similar homes have recently sold for. These comparable sales show what a real world bank was willing to lend, and how many dollars a real life buyer was willing to pay. “Comps” are to real estate values what the Dow Jones is to securities: a trustworthy reality check, no kidding around.
How ‘comparable’ a comp is depends on a number of factors to be taken into account:
• The structure
• Condition
• Amenities
• Location
• Neighborhood
The structure of a comp sale will have similar square footage, number of bedrooms, etc. Its condition is a value judgment best made by professional appraisers. Amenities can include everything from upgrades in a development to added features like central air conditioning or a Jacuzzi. And location means a great deal (is it in a high crime area?) — as does the similar but more precise neighborhood (are the neighbors taking care of their yards? Are the schools first-rate?).

Ultimately, when determining real estate values for Hernando County homes, appraisers take into account much more than just the house itself. That’s why when you set out to find a home for your family it’s important to look beyond the physical facets of the house alone: should you later decide to sell it, the whole host of factors will come into play. Whether you are buying or selling a home in Spring Hill FL this fall, contact us today for a pricing evaluation.

 

Tina Fingerman and Steve Fingerman

E Loans Mortgage

NMLS# 856640

352-688-7949

 

 

Agent Trust Realty

www.agenttrusthernando.com

727-946-2348

postheadericon Home Listings In Spring Hill Florida- Hernando County Real Esate Trends

 

Hernando County Real Estate For Sale

Home Listings In Spring Hill FL Track Shift in Buyers’ Focus

2012 Spring Hill Florida Home Listings Tell a Tale

 

Homeowners who are puzzling over whether to add their property to the Spring Hill Florida home listings this winter (rather than hold back until spring) have more than just timing to factor into their decision. How their offering will stack up alongside the other home listings is a prime consideration.Sell A Home In Spring Hill Florida

The residential market has made good progress this year – and a strong majority of pundits expect more of the same for 2013. I deal with the home-buying public all the time, and so get an inside look and listen to what features and qualities wind up having the greatest impact on their buying decisions. Another way is to survey home listings across the nation to track buying trends: the features highlighted in home listings are just about the most market-sensitive indicator of all.

A look at those home listings throughout the past year can be summed up briefly: Homebuyers wanted relatively smaller homes, manageability, lower property taxes and utility bills — in short, they gravitated toward properties that looked as if they would minimize expenses after buying as well as in the purchase itself.

Associated prominent features dealt with location in a number of ways. “Within walking distance” was a frequently appearing phrase. “Walk Score” came into new prominence — to schools, coffee shops, grocery stores, or parks. Importance of financial stability in the surrounding neighborhood can be implied from a number of popular phrases, and I can vouch for that in the attention I saw paid to various areas’ foreclosure rates.Hernando County Real Estate IPHONE

Practically every homebuyer will still be looking for a good deal, but in 2013, we can expect increasing attention to the intangible of future value.

If you are considering selling your Spring Hill Florida home any time in 2013, now is the time to begin putting the idea into action. Understanding buyers’ needs is a sound first step toward placing your home in position to stand out in the Spring Hill Florida home listings — and I am standing by this year to help you do it!

 

 

Tina Fingerman Realtor

Tina Fingerman

Agent Trust Realty

4117 Mariner Blvd.

Spring Hill FL, 34609

Office 352-688-7022

Cell 727-946-2348

postheadericon Selling A House In Spring Hill Florida

Selling a Spring Hill Florida Home Starts with Some Basics

 

Profit from Early Decisions When Selling a House

 

Selling a House Means Nimble Decision-Making

 
 
According to a recent survey, nine out of ten REALTORS® believe that clients who make improvements before selling a house are more likely to secure a successful sale.
 
 
Why, you may wonder, would anyone take the trouble to run a survey to discover anything that obvious? Possibly because of a follow-up question Realty Times came up with: 65.9% of real estate agents – virtually two out of three – agree that a common mistake among homeowners is not making “the right” home improvements for the Spring Hill Florida market.
 
 
Uh-oh! Remodeling in the wrong direction can cost you twice! If it’s such a common mistake, it’s safe to say it might be best to consult an agent before rolling up your sleeves (or opening your checkbook). Active Spring Hill Florida agents are constantly noting what features are popular with prospective buyers and which improvements are making a difference in today’s market. Knowing what sells — and why — is fundamental information when home improvement decisions are about to be made.
 
 
Also important is the changing nature of an effective marketing roll out. Yesterday’s sign on the front lawn and paragraph in the newspaper are no longer sufficient. Pocket listings, preview open houses, and social media promotion are all elements that now can be brought into a multi-tiered marketing plan geared to create awareness (“buzz”) around a property’s debut.
 
 
Yet, the new market retains at least one unchanging fundamental. To achieve the highest return when selling a house in Hernando County, it has to be priced right. Real estate commentator Barbara Corcoran puts it succinctly:You could spend all the money in the world fixing up and marketing your house,” she says, “but the wrong price on the right house guarantees no sale.”
 
 
If you are thinking of selling a house in Spring Hill Florida this winter, I’m here to help you meet that goal. Contact me to get started on a marketing plan that sets it in motion!
 

postheadericon When It Comes To Open Houses In Spring Hill FL- Too Much Is Too Much!

When It’s To Have An Open House In Spring Hill FL, Don’t Overdo!

Hernando County Open House Time is Teamwork Time

 

According to the best estimate, something like 45% of home buyers use an open house viewing before making their purchase decision. I think that sounds about right – it might even be higher here in Spring Hill Florida. With such a high proportion of serious prospects choosing to drop by an open house, it’s important that we – client and agent — get it right. Under-preparing is seldom an issue: we all want to put our best foot forward when we invite the public into our home.

Yet while it may be tempting to go into overdrive for that preparation, overdoing it can be a problem, too – one that can actually turn off buyers. Some guidelines worth noting:

· Avoid Information Overload. It’s common practice to set out a few brochures or pamphlets that let potential buyers know something about the area. But if your flier presentation looks like it belongs in the Florida Tourist Welcome Center, or you’ve put together a local restaurant guide that comes off like a comprehensive college prospectus, your buyer may not have enough time to focus on the home while there.

· Don’t Kill the Mood. Like many agents, I like to try to set a certain ambiance for potential buyers attending an open house. Yet I also know that when a potential buyer walks through a Spring Hill FL home, he or she needs to be able to project a personal image of the future onto it. In practice, this means that soft music is nice — top 40 is too much. Subtle and neutral details are a plus: too much color or too many photos can be overkill. To cater to all demographics, be sure the house is clean and uncluttered — as minimalistic as practical.

· Keep Refreshments to a Minimum. Ensuring that potential buyers feel comfortable in your open house is the goal, so you and your agent need to draw a line between hosting a mini-buffet and being gracious but businesslike hosts. You want to provide pleasant and positive refreshments, but an elaborate spread taking over the kitchen and wafting all variety of aromas through the house is distracting. I’ve always been a fan of the classic cheese and crackers display (though I’ve sometimes found it appropriate to add a cookbook propped open to bring to emphasize an especially well thought-out kitchen design).

When you plan your own Spring Hill FL open house, you and your agent should make the most of the strong points of your offering – being careful not to upstage them. Call me anytime if you are looking for one of those kinds of agents. I am one who will be your strong partner from the moment you list until the last closing doc is signed!

Hernando County Real Estate

Tina Fingerman

Agent Trust Realty

4117 Mariner Blvd

Spring Hill FL, 34609

352-688-7022 Office

727-946-2348 Direct

postheadericon How To Find A Great Realtor In Hernando County

How To Spot a Great Hernando CountyRealtor®

Three Characteristics Great Hernando County Realtors® Share

When you want to sell your house, you want it to bring in top dollar. That means you want to find a Realtor in Spring Hill Florida who has the characteristics of a top performer. He or she may or may not have last month’s highest sales volume, may or may not have page after page of onscreen MLS listings. However, there are characteristics you can look for that are bound to point to the best candidate to represent your home in your neighborhood.

1) Understanding You: the Client

I agree withRealtor Magazine:

“One of the strongest ways to increase likability and foster a connection is to demonstrate that [the Realtor] understands someone else’s needs, and is happy to help fulfill them.”

A great Realtor in Spring Hill Florida is inherently a great salesperson, and as such, automatically adapts his or her selling skills to each client. The evidence comes through demonstrating that if the need arises to step back, he or she will do so. Likewise, when a client needs a push, he or she knows how to give them that push — gracefully.

You can test this. When you are interviewing to find a Realtor, don’t just quietly nod and agree with everything you hear. Offer a few objections, even if they are only theoretical. See how seamlessly the candidate handles the change of direction. The ability to discern and adapt to various types of clients is the same ability that will help a skilled Realtor present a positive impression of your property.

2) Selling Advice

It is essential to find a Realtor in Spring Hillwho is a true professional – one who has the ability to approach your home from an unbiased perspective. Being able to provide analytical, accurate and fact-based market information is vital. It is this ability that is the basis for establishing a market position that helps sell your house for its maximum value…and in the shortest timeframe.

3) Negotiation

A great Realtor is able to successfully negotiate price and terms between you and your buyer. No matter what, there is likely to be an emotional component involved, so maximum success takes not only keen business acumen, but strong intrapersonal skills, too.

When you are ready to find a Realtor for your Hernando County property, look for experience, a full skill set, and confidence. Add in a touch of panache, and together you will make up a team that is fully armed to come to market. I hope you will consider me for your candidate list: I work tirelessly to help every one of my clients meet their own selling goals. Give us a call to hear what my marketing plan can do for you.

Agent Trust Realty

4117 Mariner Blvd.

Spring Hill FL, 34609

352-688-7022

727-946-2348

postheadericon Short Sale Help For Underwater Home Owners In Manatee and Hernando County

Looking For Short Sale Help In Manatee County, Thinking About Doing A Short Sale In Hernando County?

Agent Trust Realty in Manatee County and Hernando County can help you with your Short Sale. Both Fannie Mae and Freddie Mac Have Made Short Sales Easier. This Is Good News For Folks In Bradenton Thinking About A Short

Sale, Its Also Great News For People In Spring Hill Florida Who Have Tried A Short Sale In The Past And Found It Too Difficult As That Is No Longer The Case.

Need Exper Advise About The Short Sale Process In Sarasota, Manatee Or Hernando County.

Call The Short Sale Experts At Agent Trust Realty At:

352-688-7022 Or 941-907-9444.

For More Information Please Also Visit:

www.AgentTrustLakewoodRanch.com or www.AgentTrustHernando.com

 

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