Archive | August, 2011

Shop for new homes in Port St. Lucie

31 Aug

Shop for new homes in Port St. Lucie.  Welcome to Port St. Lucie located on the East coast of Florida, about 130 miles south of Orlando, 50 miles North of West Palm Beach and about an hour drive East from Lake Okeechobee.  Begin your exploration of Port Saint Lucie by taking a turn on one of the area golf courses including PGA Golf Club, Sandpiper Golf Club, and Spanish Lakes Golf Village.  Sign up for a class at one of the area recreation centers where all kinds of classes are offered for all ages and abilities.  The New York Mets have their spring training in Port St. Lucie.  Check them out for an afternoon while they are in town at Digital Domain Park.  Make a quick drive to the beach for some quality Florida sun and beach time, or down to Stuart for extraordinary fishing.

This new community offers sidewalks, street lights, low monthly HOA fee, exterior pest control, irrigation system.  Community is close to restaurant and shopping, near nature preserve and beaches, sport fishing, golf courses.   In-house mortgage financing available with $4,000 toward closing costs.

All of our Buyer’s Agents live locally and can create an itinerary of homes that match your needs in finding your dream home in Port St. Lucie. Our Buyer’s Agents work for you, the homebuyer, by safeguarding your interests, negotiating prices, arranging financing and managing the closing.  Our services are FREE to you, the prospective buyer!  Contact us for your customize tour of Port St. Lucie and let us welcome you to your dream home.

1,877  sq.ft.       3 bedroom, 2 bath, 2 car garage new home with upgrades.      $138,900   Ready Now   Request information

2,527 sq.ft.        4 bedroom, 2 bath, 2 car garage model with leaseback              $189,900   Ready now    Request information

3,377 sq.ft.        4 bedroom, 3.5 bath, 2 car garage new home with upgrades   $189,900   Ready Now   Request information

3,598 sq.ft.        5 bedroom, 4.5 bath, 2 car garage new home with upgrades    $189,900  Ready Now   Request information

1,568 sq.ft.        3 bedroom, 2 bath, 2 car garage new home with upgrades        $156,550   Ready Now   Request information

1,912 sq.ft.        3 bedroom, 2 bath, 2 car garage new home with upgrades        $170,830   To be built   Request information

2,907 sq.ft.       4 bedroom with loft, 2.5 bath, 2 car garage with upgrades        $189,750   To be built    Request information

2,724 sq.ft.       4 bedroom with loft, 2.5 bath, 2 car garage with upgrades        $187,625   To be built    Request information

3,901 sq.ft.       6 bedroom, 4.5 bath, 3 car garage new home with upgrades    $235,000   October         Request information

1,231 sq.ft.       3 bedroom, 2 bath, 2 car garage new home with upgrades        $114,600    To be built    Request information

St Lucie County Property Appraiser

St Lucie County Tax Estimator

St Lucie County School Board

St Lucie County Chamber of Commerce

City of Port St Lucie

St Lucie County Clerk of Circuit Court

About the Author:   Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.com www.BoldRealEstateGroup.com www.NewYork-Florida-RealEstate.com www.PGAVillage-Homes.com www.TheCascadesAtStLucieWest.com  www.HealthcareRelocationServices.com

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Mortgage Talk in Simple Terms

31 Aug

Mortgage Talk in Simple Terms.  There are many stresses associated with home buying – both financial and emotional, and frankly speaking, it doesn’t help that the process comes with its very own foreign language. While your mortgage broker can help de-mystify these terms, it helps to have a bit of a primer on what some of these terms mean. After all, it’s your money and your home we’re talking about; as a Mortgagor you have a right to understand what you’re reading.

We’ll start with Amortization” and “Term”. Both refer to periods of time in the life of your mortgage, and you’ll want to be sure that you understand the difference.

The amortization” of your mortgage is the length of time that would be required to reduce your mortgage debt to zero, based on regular payments at a specified interest rate. The amortization period is typically 15, 20 or even 30 years, although it can be any number of years or part-years.

You could establish that you are able to make a certain payment each month of say $950 for your $130,000 mortgage at 5.0%. In this case, your amortization period will be just under 18 years. Or you could tell your broker that you’d like to be mortgage-free in just 10 years. With an amortization period of 10 years at the same interest rate, your $130,000 mortgage will cost you about $1,407 per month. That’s a tougher mortgage payment but you would save thousands of dollars in interest. (More than $30,000)

As you arrange your mortgage, then, keep in mind that your amortization period may be fairly long — although the shorter you can make it, the less you’ll wind up paying for your home in the long term.

The “term” of your mortgage will typically be shorter. The “term” is the duration of your mortgage agreement, at your agreed interest rate. This will be a very specific length of time, although you will have several choices. A 6-month mortgage is a very short-term mortgage. A 10-year mortgage will be one of the longest terms, generally with a higher rate of interest to represent the higher degree of uncertainty in the economic outlook.

After your mortgage term expires, you will need to either pay off the balance of the mortgage principal, or negotiate a new mortgage loan at whatever rates are available at that time.

Now, back to the term “Mortgagor”. This is one of three very similar terms: “Mortgagee”, “Mortgagor”, and “Mortgage”.

•    A Mortgagee is the lender of the money: a bank, company, or individual.
•    A Mortgagor is the borrower: the person or persons (or company) that is borrowing the money, and who will pay it back to the mortgagee.
•    The Mortgage, of course, is the legal document that pledges the property as a security for the debt.

Still confused? Don’t worry because when purchasing a home you’ll get everything in writing as well as all the information broken down into simple terms. And when you have questions, ask your lender to clarify before signing any documents.

About the Author:   Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.com www.BoldRealEstateGroup.com www.NewYork-Florida-RealEstate.com www.PGAVillage-Homes.com www.TheCascadesAtStLucieWest.com  www.HealthcareRelocationServices.com

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Covering Your Assets with Homeowners Insurance

31 Aug

Covering Your Assets with Homeowners Insurance.  Many homeowners purchase a standard homeowners insurance policy because it’s required by the lender but many of us neglect to find out what is actually covered and if an umbrella policy is needed. Could you be paying for items you don’t need or perhaps you don’t have enough insurance?

If you’re thinking you’re covered against anything and everything you’ll be surprised to learn that there are exclusions to your policy.

The standard insurance policy covers

•    The structure of your home
•    Your personal property
•    Liability damages

Your home’s structure is covered if damaged by any disaster listed in your policy such as fire, hurricane, hail or lightning but will not cover damage caused by flood, earthquake or wear and tear. You’ll need an umbrella policy for those types of damages.

Personal belongings are covered by your policy however policies vary and some will pay the “actual cash value” which is minus depreciation while others will pay the replacement costs. To be sure your most prized possessions are covered you should prepare a detailed inventory of your furniture, clothing, jewelry, electronics and any other personal items that are costly to replace and discuss with your insurance provider. Your carrier will let you know if you have enough insurance to replace these items.

High-ticket items such as furs, media room equipment, and art should be appraised and probably will need an addendum to your policy for full coverage.

Liability coverage is not only on-site but covers you away from your home. Say your luggage is destroyed by the airlines while you’re on travel; your standard policy will cover the replacement of your luggage up to a certain value.

And if your neighbor is hurt on your driveway because you neglected to shovel the snow and ice away or you failed to fill-in that major crevice in the cracked sidewalk that caused an injury – your insurance policy will cover the lawsuit and minor medical bills.

Another convenient attribute of the liability portion of your homeowners insurance is that the liability will cover your kids away at college – as long as they reside in the dormitory. Say your son’s laptop is stolen from his dorm room – it’s covered under your homeowner’s policy. Again, you should read the policy and exclusions to see how they figure the value.

Do you have a home business?

Unfortunately, many home business owners mistakenly believe they are automatically covered since they have homeowners insurance. This is untrue; your business computer, furniture and any business related items in the office may be covered for a small amount, but we’re talking maybe up to $1000.

While very few home businesses need this type of endorsement it’s wise to consult your insurance agent. If you store inventory, expensive equipment like a laser printer or high-tech computers or any business devices that cost over $1,000 you should invest in a rider or umbrella insurance. Average costs are approximately up to $20 per year to add this rider to your homeowners insurance.

Homeowner’s insurance policies all contain exclusions and limitations. Always read your documentation because assuming that you can replace your most valuable assets and finding out later that you are susceptible to a major loss is too big a chance to take.

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

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Shop for new homes in Jacksonville, Ponte Vedra, St. Augustine, Palm Coast, Orange Park, St. Johns

30 Aug

Shop for new homes in Jacksonville, Ponte Vedra, St. Augustine, Palm Coast, Orange Park, St. Johns.  Having the right real estate agent means having an agent who is committed to helping you buy or sell your  real estate investment with the highest level of expertise in your local market. This means also to help you in understanding each step of the buying or selling process. This commitment level has helped us build a remarkable track record of delivering results.   Whether you are an experienced real estate investor or a first time homebuyer, we can help you in finding the property of your dreams. Please feel free to browse our website or let us guide you every step of the way by calling or e-mailing us to set up an appointment today.

Jacksonville New Communities

Emily’s Crossing located in the heart of Mandarin.  NO CDD BOND FEES

Greenland Chase located in the heart of downtown Jacksonville, minutes away from shopping, dining, entertainment and the airport. NO CDD BOND FEES

Victoria Lakes located north of the Dames Point Bridge, minutes away from shopping, dining and entertainment. NO CDD BOND FEES.  Move-in ready homes starting from the $160,000s

Cimarrone Golf & Country Club located in St. Johns County with high performance Energy Star built homes.   NO CDD BOND FEES.  Move-in ready homes starting from the $279,000s

Caroline Harbor located in east Arlington with high performance Energy Star built homes.

North Creek located in Jacksonville 10 minutes from the airport, offering beautiful single family homes. Single Family homes starting from the $130,000s

Sweetwater A retirement community featuring 2 bedrooms and 2 baths with great amenities and clubhouse.  Single Family homes starting from the $159,990s
St. Augustine New Communities

Samara Lakes located in the heart of the World Village area and highly rated St. Johns county school district. Single Family homes starting from the $79,900s

Murabella beautiful homes surrounded by golf courses offering Italian style designs.  Single Family homes starting from the $159,900s

World Golf Villages located in St. Augustine offering 2,700 acres of nature preserves and two of Florida’s finest golf courses including the King & Bear and the Slammer & Squire. Move-in ready homes starting from the $318,000s

Whisper Ridge Reserve  Build your custom home on your homesite starting from the $99,900s  Move-in ready homes starting from the $230,000s   Custom luxury homes on 1/4 acre lots with lake frontage available.

Ponte Vedra New Communities 

Nocatee Greenleaf VillageA beautiful coastal community minutes from miles of pristine beaches, golf courses, airport, shopping malls, and historical towns of St. Augustine and Fernandina Beach.  Move-in ready homes starting from the $175,000s

Riverwood at Nocatee A retirement community offering 2-3 bedrooms including magnificent new clubhouse.  Single Family homes starting from the $149,990s

 St. Johns New Communities

St. Johns Forest located at I-95 and CR 210 with easy access to Jacksonville and St. Augustine. A gated community featuring great amenities including clubhouse, fitness center, children playground.  Move-in ready homes starting from the $220,000s

Durbin Crossing North A beautiful community with over 2,000 acres of carefully planned neighborhoods located minutes from I-95 with easy access to beaches.  Move-in ready homes starting from the $266,900s

Wellington Park at Aberdeen  A master planned community offering 1,316 acres with impressive amenities, including soccer field, and lighted softball recreational facilities. Move-in ready homes starting from $220,000s

St. Johns County

Welcome to the St. Johns County, Florida
St. Augustine & St. Johns County Chamber of Commerce
City of St. Augustine – Department of Heritage Tourism
St. Johns County School District
Flagler College
Learn about nearby Schools

Orange Park New Communities

Forest Hammock at Oakleaf Plantation A single family neighborhood environment providing outdoor recreational amenities, nearby Jennings State Forest and Cecil Commerce Center. Single Family homes starting from the mid 100,000s  NO CDD BOND

Creek View At Oakleaf Plantation A master planned community on the west side of Jacksonville. Single Family homes starting from the $170,000s
Southern Hills at Eagle Landing A beautiful golf course community offering tennis, pool, fitness center.  Eagle Landing features an 18-hole championship golf course.  Single Family homes starting from the $230,000s

Palm Coast New Communities

Forest Park Estates  Homesites range from 1/3 of an acre to over 1/2 acre with beautiful mature hardwood trees.  Single Family to be built homes starting from the $243,900s  Move-in ready homes available.

Rivergate  A private gated community, Now selling final phase of Single Family homes starting from the $160,000s     

Palm Coast Plantation  build on your homesite starting from the $99,900s  Move-in ready homes starting from the $129,990s

Grand Haven  A master-planned community with a 4,000 acre nature preserve, walking & biking trails and the Interacoastal Waterway. For the golf enthusiast, memberships are available for the Jack Nicklaus signature golf course.  Single Family homes starting from the $137,990s   Move-in ready homes available

Hidden Lakes build on your homesite starting from the $159,990s

Flagler County

Flagler County Chamber of Commerce
Flagler Beach, Flagler County, Florida
Welcome To Flagler County Florida
City of Palm Coast
Flagler County Public Schools
Public Transportation Info for Flagler County
Learn about nearby Schools

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

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Ponte Vedra Homes For Sale

30 Aug

Ponte Vedra homes for sale.    Ponte Vedra is a golfer’s paradise home to the PGA Tour and The Players Championship, the region offers some of the most prestigious and scenic golf courses in the world.

Nocatee Greenleaf Village A beautiful coastal community minutes from miles of pristine beaches, golf courses, airport, shopping malls, and historical towns of St. Augustine and Fernandina Beach.  Move-in ready homes starting from the $175,000s

Riverwood at Nocatee A retirement community offering 2-3 bedrooms including magnificent new clubhouse.  Single Family homes starting from the $149,990s

St. Johns County

Welcome to the St. Johns County, Florida
St. Augustine & St. Johns County Chamber of Commerce
City of St. Augustine – Department of Heritage Tourism
St. Johns County School District
Flagler College
Learn about nearby Schools

 

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

Home | Search by City | Listing Email Alerts | Search Foreclosures | Request Information | Dream Home Finder | Search By State | Detached Homes | Townhomes | Condominums | Attached Homes | Detached Homes | Condominiums | Townhomes | Ranch | Waterfront | Golf View | Shop For New Home | FREE Buyer Realtor | Request Information | Whisper Ridge Home | Nocatee New Homes | Samara Lakes Home | Global Developments | My First New Home | To Be Built Homes | Builder Ready Homes | New Home Incentive | New Home Financing | Florida Communities | Fort Myers Homes | Oceanfront Homes | Ponte Vedra Condos | Ponte Vedra Homes | Townhomes Listings | Single Family Homes | St Augustine Condos | Townhomes Listings | Oceanfront Homes | 55+ Cascades | Jacksonville Homes | Jacksonville Condos | Townhomes Listings | Oceanfront Homes | San Marco Homes | San Marco Condos | Townhomes Listings | Palm Coast Homes | Palm Coast Condos | Oceanfront Homes | Middleburg Homes | Middleburg Condos | Townhomes Listings | San Mateo Homes | St Johns Homes | St Johns Condos | Townhomes Listings | Green Cove Homes | Green Cove Condos | Townhomes | Orange Park Homes | Orange Park Condos | Townhomes Listings | Yulee Homes | 55 Plus Homes | Bartram Park Homes | Anastasia Homes | Christopher Homes | Worthington Homes | Deerwood Estates | San Marco Homes | Orange Park Homes | Palm Coast Homes | Middleburg Homes | Marsh Creek Homes | Cedar Ridge Homes | Pelican Reef Homes | Sea Colony Homes | Sea Grove Homes | Heritage Park Homes | Ocean Palms Homes | Summer Island | Royal St. Augustine | Biera Mar Homes | Julington Homes | Sawgrass Homes | Palm Valley Homes | Cimarrone Homes | Nocatee Homes | World Golf Village | Foreclosed Homes | Short Sale Homes | The Best Community | New Developments | Neptune Beach | Fernandina Beach | Jacksonville Beach | Atlantic Beach | St Augustine Beach | Ponte Vedra Beach | Vilano Beach | Amelia Island | Luxury Condos | Luxury Homes | Waterfront Listings | Golf Course Homes | Airplane Community | Rural Communities | Suburban LIfestyle | Acreage Locations | Recreational Listings | Multi-family Homes | Lots & Land | Log Homes Listing | Fleming Island | 1031 Exchange | Two Story Homes | Duplex Listings | Colonial Listings | Ranch Homes | Best Home Deal | Northeast Region | Nassau County | Duval County | Baker County | St Johns County | Clay County | Putnam County | Flagler County | Housing Trends Newsletter | St Johns County | Flagler County | Duval County | Orange County | Nassau County | Putnam County | Clay County | Baker County | Buyers Resources | Orientation Tour | Buying vs Renting | FREE Buying Guide | Realtor® Match | Top Ten Deals | Sellers Resources | Market Analysis | Short Sale Solutions | List Your Home | Our Commitment | Realtor® Match | Area Sold Report | Buyers Real Estate | Sellers Real Estate | Top Ten Deals | Employment Relo | Agency Recruiters | Healthcare Facility | Our Services | What We Do | Realtor® Match | Location Request | Office For Sale | Mortgage Calculator | Mortgage Rates | Mortgage Quote | FREE Credit Report | Mortgage Articles | Get Pre-Qualified | Home Closing Costs | Business For Sale | Business For Lease | San Marco | San Jose | Mandarin | Bartram | St Nicholas | Deerwood | Avondale | Riverside | Arlington | Interlachen | Pomona Park | Crescent City | Flagler County | Volusia | Hawthorne | Palatka | Bed & Breakfast | Farms | Business Park | Industrial | Investment | Marine Related | San Marco | San Jose | Mandarin | Bartram | St Nicholas | Deerwood | Riverside | Arlington | Multi-Family Homes | Real Estate Article | Foreclosed Homes | Commercial Building | Hotel/Motel Listings | Industrial/Warehouse | Retail Investments | Farm/Ranch Listings | PUD Investments | Mobile Home Parks | Marine Investments | Business Park Listing | Business Opportunity | Bed & Breakfast | Vacant Land | Agricultural Listings | Four Plex Listings | Contact Us | What We Do | Testimonials | About Us | About Florida | Se Habla Español | Why Use A REALTOR® | Press Release | Privacy Policy | New Developments | Real Estate Career | Real Estate Referral | Resources | Real Estate Glossary | Duval County | Real Estate Relo | Real Estate Taxes | Registration Form | Find A School | Employment | Insurance Quote | Golf Course Finder | City Data | Home Inspectors | Local Market Reports | Connect Utilities | Amazon Bookstore | FREE Moving Quote | Currency Converter | Airport & Flights | Find Storage Space | Find Nearby Events | Prepaid Gift Cards | Demographic | Visit Jacksonville | Top Ten Deals | Other Area Listings | Listado De Casas

Florida active retirement communities visit packages

30 Aug

Florida active retirement communities visit packages

Bell Tower Park :: Fort Myers, Florida :: View Details
Bell Tower Park is an Award winning private gated community located in the heart of south Fort Myers. Minutes from fine dining, shopping and other retail shops. A park like setting of stylish carriage and courtyard homes, surrounding lakes and nature preserves. Residents enjoy an array of amenities including a 2 resort pools, tiki bar, 6,000 sf clubhouse, fitness center, social area, tennis courts and sport court, play area and miles of shaded nature trails. Attention to detail, included features, and architecal attention to details make this an outstanding community.
Bleu Claire :: Longboat Key, Florida :: View Details
Nestled along the pristine coastline of Longboat Key is a new level of exclusivity to define beachfront living, the taste of luxury, the reward for a lifetime of accomplishment: Your inspiration. Your dream. Your Bleu Claire. Designed to evoke the feeling of a retreat from the everyday, Bleu Claire on Longboat Key is inspired by the villas of the French Riviera. The community’s understated elegance reflects the beauty of its natural surroundings and the enchanting views of the Gulf of Mexico.
Bonita Bay Highrises :: Naples, Florida :: View Details
Three waterfront parks; 12 miles of biking and walking paths; 90 holes of golf; private beach park on the Gulf of Mexico; tennis and swim center; fitness center; marina club with storage for more than 400 boats, fuel and service, a ship’s store and restaurant; wine club; Audubon International Cooperative Sanctuary for demonstrated excellence in environmental planning, wildlife-habitat management, resource conservation, waste management, and outreach and education. Four additional high-rises are in development.
Florida Lifestyle Homes :: Fort Myers, Florida :: View Details
Florida Lifestyle Homes can provide one-stop shopping for your custom home in the most prestigious areas of Southwest Florida. We have used our financial strength and experience to inventory a substantial portfolio of spectacular home sites in Lee County’s luxury home communities of Cape Harbour, Renaissance, Verandah, as well as, Collier County in Quail West, a Ginn Club community. If you are already an owner of a home site or if you have a home site in mind that is not in our inventory, we would be happy to build your dream home where ever you choose. We are proud to have been selected as a preferred builder in the most exclusive waterfront and golfing communities in Southwest Florida.
Hampton Park at Gateway :: Fort Myers, FL :: View Details
Hampton Park at Gateway is now taking reservations. Hampton Park at Gateway will be offering a wide selection of single-family homes to suit your lifestyle.
Heron Bay :: Coral Springs, FL :: View Details
Heron Bay features two community clubhouses, resort-style pools, fitness centers, children’s playgrounds, a kids’ spray park, tennis, event rooms, spa rooms, and walking & biking trails.
Lake Buena Vista Resort Village and Spa :: Orlando, FLorida :: View Details
The award-winning Lake Buena Vista Resort Village & Spa is a wholly owned Orlando, Florida condo hotel development offering all the facilities and amenities of a world class resort. Superbly located just over a mile from Disney World,and close to Universal Studios and SeaWorld, the Resort featues convenient access to shopping, dining, aquatic center, fitness center and signature health spa. The Resort is a government approved Regional Center under the U.S. EB-5 Immigrant Investment Program whereby foreign investors may obtain expedited, permanent U.S. Residency and Green Cards with optional citizenship.
Legends Bay at IMG Academies :: Bradenton, FL :: View Details
Come live and play in paradise. At Legends Bay at IMG Academies, you connect with the beauty offered in this pristine natural environment. With its mile-long waterfront, this private gated commmunity lets you experience the feeling of being far removed, but not far away. Beautifully situated along the waters of Sarasota Bay with astounding panoramic vistas, Legends Bay offers incomparable aesthetics and quality along with access to select facilities at neighboring world-renowned IMG Academies.
Lely Resort :: Naples, Florida :: View Details
A close-to-everything Naples location, three championship golf courses and a cosmopolitan atmosphere amid lush natural surroundings has made Lely Resort one of the most sought after addresses in Naples. Lely Resort offers 13 spectacular unique neighborhoods.
London Bay Homes, Inc. :: Naples , Florida :: View Details
When you think about choosing a builder today, one of the most important considerations is trust. At London Bay Homes, trust is an attribute that is deeply engrained in our company culture. For nearly two decades we have been satisfying our clients with exceptional design expertise, customer-friendly processes, consistent and timely communication, superior construction quality and dependable warranty service. These are some of the reasons that more than 90% of our clients will refer us to their friends, and they are also the factors that helped us earn the America’s Best Builder award in 2008. When you select London Bay as your builder, you get a team of creative and experienced architects and design professionals who will help you create a home that reflects your personality and aspirations. We are also very skilled at working with outside architectural firms. In both instances, we believe that this experience should be enjoyable and stress-free, and our design process delivers on that belief. Veteran construction supervisors will ensure your home is built to our exacting specifications and they will keep you informed every step of the way. And you will come to appreciate our warranty staff that provides the care and service you expect.
Manchester Square :: Naples, FL :: View Details
Ideally located in the heart of North Naples and offering a selection of two- to five-bedroom home designs suited to every lifestyle, Manchester Square is the perfect address for casual, carefree living.
Mediterra :: Naples, Florida :: View Details
Mediterra captures the authentic rustic styles of the Italian countryside and the Mediterranean region of Europe with intimate neighborhoods connected by miles of walking and biking paths. Lucarno, a community within London Bay’s Village Collection, is located in Naples’ exclusive Mediterra community. Each of Lucaro’s 71 home sites are located on one of the villages many lakes. Lucarno features six distinctive floor plans and architecture that captures the aura of the Italian countryside. The community’s cobblestone streets are accented with lush and colorful landscaping while the maintenence-free homes deliver the promise of a relaxing lifestyle. One of the last and most scenic enclaves that remains within the lush and exclusive Mediterra community in Naples is Cortile. This secluded and picturesque community is accentuated by architecture reflective of the rustic styles of the Spanish countryside and Mediterranean region of Europe. Cortile offers 46 home sites and provides an expansive home selection from which to chose including both London Bay’s Estate Homes and Village Collection series.
Ovation :: St. Petersburg, Florida :: View Details
Welcome home. Welcome to Ovation-an intimate collection of 45 luxurious residences overlooking the scenic downtown waterfront and marina of “one of America’s most livable cities.” Where life is orchestrated to your every desire, beauty is in the details, and your new home is a perfect reflection of you. Ovation represents a unique collaboration between buyer and builder in which each homeowner is given the freedom to create the ultimate urban home. Starting with a flexible, estate-sized floor plan, the renowned JMC Ovation team welcomes you into a collaborative construction and design process that results in exactly the home-and lifestyle-you desire.
Paseo :: Fort Myers, Florida :: View Details
Paseo. The way to say “journey”. Our way of saying a wonderful place to live. Stock Development presents an exciting new Ft. Myers community designed with a blend of inspired residences, all a stroll away from the Paseo Village Center. With plenty of places and spaces for family and friends to meet and celebrate life. Priced to move you!
Pelican Preserve :: Fort Myers, FL :: View Details
Pelican Preserve is Southwest Florida’s most vibrant 55-and-better destination. This award-winning community boasts a 70,000-square-foot Town Center, a Golf Club, 27 holes of golf and a full calendar of social, recreational and cultural activities.
Perrone Construction :: Sarasota, Florida :: View Details
As Sarasota’s premier builder of luxury waterfront residences since 1980, Perrone Construction’s reputation for unparalleled excellence is widely acknowledged throughout the community. Our dedication to quality and our commitment to our client remain as strong today as ever. Repeat clients and referrals from former clients account for a good deal of our business, and to our company, this is the highest compliment that we could receive.
Tarpon Point Marina :: Cape Coral, Florida :: View Details
Tarpon Point Marina is a resort-style community featuring five unique residential villages of single family estate homes, coach homes, and condominium towers. These distinct neighborhoods are sculpted within the community’s waterways, preserves and canals, taking full advantage of its spectacular setting at the southern tip of Cape Coral where the waters of the Caloosahatchee River and Glovers Bight empty into San Carlos Bay and the Gulf o f Mexico beyond. The focal point is an existing deep water marina offering direct access to the Gulf of Mexico. Tarpon Point Marina also features The Resort at MarinaVillage Residents Club, a waterfront retail village with a 19 story luxury Residents Club, offering 1/12 fractional ownership and with resort and hotel services featuring waterfront restaurants, shopping, Esterra Spa and Salon. Daily boat shuttle to Fort Myers Beach, boat and Kayak rentals, charter fishing services, ship store and Harbor Master, Captains lounge.
The Founders Club :: Sarasota, Florida :: View Details
TBD
Tiburon :: Naples, FL :: View Details
Home of the Ritz-Carlton® Golf Resort, Tiburón features 36 holes of Greg Norman-designed championship golf, resort-style conveniences and a superb location surrounded by Naples’ best beaches, shopping and dining.
Tidewater Preserve :: Bradenton, FL :: View Details
On the shores of the Manatee River, Tidewater Preserve is a dynamic waterfront community with exceptional amenities including the Port & Court Club, tennis complex, canoe/kayak launch and riverfront walk.
Venetian Golf & River Club :: North Venice, FL :: View Details
Venetian Golf & River Club provides artfully designed living sculpted around championship golf and a 70-acre Nature Park. The community’s two social hubs, The River Club and The Golf Club, offer a spectacular mix of activities and events.
Westshore Yacht Club :: Tampa, FL :: View Details
Westshore Yacht Club is now taking reservations. Westshore Yacht Club will be offering a wide selection of single-family homes to suit your lifestyle.

The Cascades at St. Lucie West

30 Aug

Rent or Buy and experience the lifestyle you deserve.  The Cascades at St. Lucie West is a premier resort lifestyle active 55+ community featuring Mediterranean-style real estate architecture and beautifully manicured grounds.

The Cascades private community offers it’s own 9-hole golf course, 10 lighted Har-Tru Tennis Courts, a  26,000 sq.ft. Clubhouse, outdoor pool & spa, fitness center, sauna, multi-purpose ballroom, media room, library, and card and billiards rooms available to enjoy year round, yoga classes, tai-chi classes, water aerobics, bridge class, bocce, scrabble, games, computer class, music & performing arts club, art and crafts, ballroom dancing, theater, travel clubs, mah jongg, Canasta,  book club, poker club, weekly events and much more! Gated entry with 24-hour controlled access for privacy. St Lucie West is the location of the New York Mets spring training program. The community is conveniently located, minutes away from theaters, houses of worship, great restaurants, movie theaters, post offices and hospitals.  Contact local Cascades community real estate specialists Carlos J. Gil and Millie Gil for a complimentary tour of your dream home.  Your best investment opportunity is at The Cascades! Short Sales, Foreclosures and Rentals available. Single family homes in the low $100′s

Having the right real estate agent means having an agent who is committed to helping you buy, sell or rent  your home with the highest level of expertise in your local market. This commitment level has helped Bold Real Estate Group build a remarkable track record of delivering results.

Whether you are an experienced investor or a first time buyer,  Bold Real Estate Group can help you in finding the property of your dreams. Please feel free to browse our website or let us guide you every step of the way by calling or e-mailing Bold Real Estate Group to set up an appointment today.  Take a minute and browse our website, we’re sure you’ll find the right fit.

Concierge Real Estate Services: Bold Real Estate Group will provide concierge services including set up of excursions and area information.
  
Dining and Shopping: Residents will find an enticing selection of restaurants in the area, ranging from light meals and fast food to gourmet dining. Nearby shopping venues include mainstream consumer retail outlets, shopping mall and specialty boutiques.
Health Care: Three nearby hospitals, Lawnwood Regional Medical Center, St. Lucie Medical Center and Martin Memorial Health Systems provide complete modern medical care including 24-hour emergency services. Martin Memorial’s St. Lucie West Walk-In Clinic is located in the St. Lucie West area.

Senior Care Options:  Port St. Lucie area – Abingdon at Tradition, Vero Beach area – The Lakes at Pointe West,  Melbourne area  - Viera Retirement at Watersong,  Myrtle Beach area – Brightwater

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42 results returned
303 NW Treeline Trce
Price: $129,700
3 Bedrooms
2 Full Baths
Listing ID# R3176951
(Mapped)
Price: $129,700
Very well maintained 2/2/2 with den/3rd bedroom in the 55+ community of The Cascades. Screened lanai …
MLS# R3176951
Bedrooms: 3
Bathrooms: 2
Square Ft: 1526
(Mapped)
Price: $129,900
WATERFORD MODEL LOCATED IN UPSCALE 55+COMMUNITY HOME FEATURES GRANITE COUNT …
MLS# R3204542
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $135,000
this is a beutiful lalique model. the 3rd bedroom is set up as a den. upgrades on this home include …
MLS# R2915531
Bedrooms: 3
Bathrooms: 2
Square Ft: 1507
(Mapped)
Price: $137,000
Beautiful Cascades 55+ community. Two bedroom two bath plus den/office, enclosed lanai, paver patio, …
MLS# R3170526
Bedrooms: 3
Bathrooms: 2
Square Ft: 1526
(Mapped)
Price: $141,900
This is a short sale. 1 Lender. Please allow time for lender approval. Beautiful true 3 bedroom, 2 b …
MLS# R3215818
Bedrooms: 3
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $145,000
Beautiful well kept home. All the amenities plus clubhous with pool and tennis. A must see!
MLS# R3146247
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $149,000
THIS IS NOT A SHORT SALE!! BEAUTIFUL 2CG/3 BDRM/2 BTH SINGLE FAMILY HOME WI …
MLS# R3207218
Bedrooms: 3
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $169,500
Well maintained home with private preserve view from extended screened patio. Diagonal tile, hardwoo …
MLS# R3209497
Bedrooms: 3
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $169,900
Like new Waterford with upgraded kitchen and tile floors, extended screened and tiled Lanai.Communit …
MLS# R3178066
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $169,900
One of the best Waterfords at the Cascades. Numerous upgrades include granite counters and backsplas …
MLS# R3213750
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $172,900
NICE HOME IN THE HIGHLY DESIRABLE RESRT LIKE CASCADES. DEN MAY BE USED AS 3 …
MLS# R3214550
Bedrooms: 3
Bathrooms: 2
Square Ft: 2035
(Mapped)
Price: $174,900
This wonderful Pearl model has it all. The master is spacious and has a large walk in closet. 3rd …
MLS# R3152642
Bedrooms: 3
Bathrooms: 2
Square Ft: 1666
(Mapped)
Price: $179,000
Beautiful, well cared for extended Waterford model in the 55+ community of Cascades at St Lucie West …
MLS# R3211860
Bedrooms: 2
Bathrooms: 2
Square Ft: 1780
(Mapped)
Price: $179,900
REDUCED…AGAIN – VACANT, NOT A SHORT SALE, OWNER MOTIVATED, 3RD BEDROOM-DE …
MLS# R3189246
Bedrooms: 3
Bathrooms: 2
Square Ft: 1666
(Mapped)
Price: $179,900
FABULOUS AND QUALITY DESCRIBES THIS CUSTOM BUILT 2BR + DEN 2BA HOME IN …
MLS# R3218992
Bedrooms: 2
Bathrooms: 2
Square Ft: 1526
(Mapped)
Price: $189,500
Lovely Waterford Model with Waterfront View. Very Roomy and Comfortable. Enjoy the Florida sunsets …
MLS# R3194682
Bedrooms: 2
Bathrooms: 2
Square Ft: 1650
(Mapped)
Price: $199,999
LIGHT AND BRIGHT FURNISHED HOME OFFERS SOUTH EXPOSURE AND IS WALKING DISTAN …
MLS# R3211464
Bedrooms: 3
Bathrooms: 2
Square Ft: 1918
(Mapped)
Price: $209,900
Wow, What a unique lake home in the 55+ community of The Cascades in St Lucie West. A redesigned hom …
MLS# R3211008
Bedrooms: 3
Bathrooms: 2
Square Ft: 1837
(Mapped)
Price: $210,000
Welcome to this beautifully styled move-in condition home in desirable Waterford section. Private wi …
MLS# R3179431
Bedrooms: 3
Bathrooms: 2
Square Ft: 1815
(Mapped)
Price: $219,000
Beautiful lake views from a screened patio in this popular spacious model with screened entry, upgra …
MLS# R3210055
Bedrooms: 3
Bathrooms: 2
Square Ft: 2132
(Mapped)
Price: $219,900
Diagonally tiled great room concept with built in shelving opens to a screened covered patio & open …
MLS# R3204788
Bedrooms: 3
Bathrooms: 2
Square Ft: 2030
(Mapped)
Price: $221,900
Gorgeous Ruby model light and open with spectacular water views from the family room and large maste …
MLS# R3183174
Bedrooms: 3
Bathrooms: 2
Square Ft: 2030
(Mapped)
Price: $222,500
Exceptional lakefront home with custom woodwork & moldings, plantation shutters, huge extended scree …
MLS# R3218146
Bedrooms: 3
Bathrooms: 2
Square Ft: 2030
(Mapped)
Price: $224,000
Stunning water views from the immaculate Diamond model. Sit on the extended lanai and enjoy the sun …
MLS# R3182877
Bedrooms: 3
Bathrooms: 2
Square Ft: 2132
(Mapped)
Price: $225,000
ORIGINAL OWNER.NEUTRAL DECOR INCLUDING OVERSIZE 18″ TEXTURED BEIGE TILE TH …
MLS# R3196838
Bedrooms: 3
Bathrooms: 2
Square Ft: 1727
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The content relating to real estate for sale on this web site comes in part from the IDX program of the Regional Multiple Listing Service, Inc. Listing content is © 2011 Palm Beach Regional. This information is not verified for authenticity or accuracy and is not guaranteed. The information provided is for consumers. personal, non-commercial use and may not be used for any purpose other than to identify prospective properties for purchasing. This information was last updated as of date specified below. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available. Please contact Bold Real Estate Group directly for additional information pertaining to the status and availability of properties displayed on this website. Data last updated Monday, August 29th, 2011.

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Tradition Port St. Lucie Homes

30 Aug

Tradition Port St. Lucie Homes.  Located in the heart of Florida’s Treasure Coast in Port St Lucie. The Town of Tradition  is a  master planned community offering more than 400 acres of lakes and waterways.  This community features seven distinctive neighborhoods with cozy parks and playgrounds.  Paved sidewalks for jogging, riding a bike, walking or an evening stroll by the charming town square.  Tradition residents enjoy a convenient year-round calendar of entertainment ranging from seasonal festivals to community concerts. Contact us for a complimentary tour of the Town of Tradition and current inventory of properties for rent.

Port Saint Lucie real estate still affordable. Foreclosure & Short Sale homes under $100,000 and condominiums starting at $30,000.  The high-end market, steady at a range between $1 and $3 million. Whether you are relocating or retiring, Florida offers a comfortable quality of life.  Click Florida Residential Properties For Sale to find your dream home. Florida is constantly growing, but nowhere as much as the central region of the state. New businesses are moving into Orlando regularly, and Walt Disney World brings in many tourists to add to the economy.

Bold Real Estate Group can assist you with residential and commercial real estate listings or real estate agents in Florida.

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102 results returned
10480 SW Stephanie Wy # 3-102
Price: $34,900
2 Bedrooms
2 Full Baths
Listing ID# R3212176
(Mapped)
Price: $34,900
Defective drywall. This property is eligible under the Freddie Mac First Look Initiative through 08/ …
MLS# R3212176
Bedrooms: 2
Bathrooms: 2
Square Ft: 1231
(Mapped)
Price: $36,000
You can’t get closer to town…just open your door and you’re a few steps away from everything!
MLS# R3218632
Bedrooms: 2
Bathrooms: 2
Square Ft: 1448
(Mapped)
Price: $38,000
You can’t get closer to town than in this 3 bedroom 2 bathroom condo. Just open your door and you’re …
MLS# R3198493
Bedrooms: 3
Bathrooms: 2
Square Ft: 1783
(Mapped)
Price: $39,900
Great Location walk to shopping, *******Unit has defective drywall , needs new A/C, great for inves …
MLS# R3191301
Bedrooms: 2
Bathrooms: 2
Square Ft: 1209
(Mapped)
Price: $42,900
TWO BEDROOM, TWO BATH, ONE CAR GARAGE, ATTACHED TOWNHOME IN THE PROMENADE A …
MLS# R3209011
Bedrooms: 2
Bathrooms: 2
Square Ft: 1209
(Mapped)
Price: $47,000
You can’t get closer to town than in this 3 bedroom 2 bathroom condo. Just open your door and you’re …
MLS# R3201489
Bedrooms: 3
Bathrooms: 2
Square Ft: 1603
(Mapped)
Price: $59,900
Close by Ocober 31, 2011 and request 3.5% of the final sales price to be used as closing costs assis …
MLS# R3219599
Bedrooms: 3
Bathrooms: 2
Square Ft: 1783
(Mapped)
Price: $79,000
DEAL FELL THROUGH BECAUSE HOUSE HAS BLACK MOLD IN ONE BEDROOM. PROBLEM HAS …
MLS# R3156696
Bedrooms: 3
Bathrooms: 2
Square Ft: 1413
(Mapped)
Price: $79,900
***********This is a short sale transaction that requires all lender(s), lienholder(s), collection(s …
MLS# R3209972
Bedrooms: 3
Bathrooms: 2
Square Ft: 1532
(Mapped)
Price: $85,000
SHORT SALE, This once beautiful home has CHINESE DRYWALL and MOLD issues, but could be restored to i …
MLS# R3098088
Bedrooms: 3
Bathrooms: 2
Square Ft: 1980
(Mapped)
Price: $86,000
PRISTINE TWNHOME, STEPS TO TOWN SQUARE/ SHOPS/RESTAURANTS.EASY 1ST FLOOR, C …
MLS# R3205541
Bedrooms: 2
Bathrooms: 2
Square Ft: 1386
(Mapped)
Price: $87,000
*** BANK APPROVAL FOR $87000 **USE “REQUEST SHOWING” BUTTON ON MLS PAGE TO …
MLS# R3115850
Bedrooms: 3
Bathrooms: 2
Square Ft: 1668
(Mapped)
Price: $87,500
3/2/2 CBS home in Gated Community Heritage Oaks,Tradition. Split bedroom plan. Corner lot. Master: d …
MLS# R3221111
Bedrooms: 3
Bathrooms: 2
Square Ft: 1513
(Unmapped)
Price: $87,500
SHORT SALE SOLD AS IS. AMBERWOOD MODEL. TWO BEDROOM TWO BATH WITH GRANITE A …
MLS# R3183042
Bedrooms: 2
Bathrooms: 2
Square Ft: 1386
(Mapped)
Price: $89,900
SUPER CLEAN 2/2/2 WITH A PRIVATE FENCED YARD IN THE POPULAR GATED COMMUNITY …
MLS# R3205230
Bedrooms: 2
Bathrooms: 2
Square Ft: 1332
(Mapped)
Price: $95,000
SHORT SALE SUBJECT TO THIRD PARTY APPROVAL. ANY REDUCTION ON COMMISSION WIL …
MLS# R3153293
Bedrooms: 4
Bathrooms: 2
Square Ft: 1868
(Mapped)
Price: $98,000
CONTINGENT BUT LOOKING FOR STRONG BACK-UP OFFER “VICTORIAN MODEL” OVER 1760 …
MLS# R3152239
Bedrooms: 3
Bathrooms: 2
Square Ft: 1761
(Mapped)
Price: $99,000
Beautiful Victoria Model 3 full bedrooms with den that only needs doors for closet to make into the …
MLS# R3221430
Bedrooms: 3
Bathrooms: 2
Square Ft: 1731
(Mapped)
Price: $99,900
NICE FLOOR PLAN WITH PAVER DRI …
MLS# R3143834
Bedrooms: 2
Bathrooms: 2
Square Ft: 1572
(Mapped)
Price: $100,000
BANK “APPROVED” SHORT SALE @ $100,000.00. VICTORIAN MODEL, TILE THROUGHOUT. …
MLS# R3155510
Bedrooms: 3
Bathrooms: 2
Square Ft: 1740
(Mapped)
Price: $100,000
Great 4 bedroom plus den pool home in the Tradition neighborhood that is known to have defective dry …
MLS# R3190384
Bedrooms: 4
Bathrooms: 2
Partial Baths: 1
Square Ft: 2653
(Mapped)
Price: $100,000
Wonderful lake front home in Heritage Oaks subdivision of Traditions. Close to shopping, schools & …
MLS# R3219525
Bedrooms: 3
Bathrooms: 2
Square Ft: 1547
(Mapped)
Price: $104,900
*SHORT SALE* 3 BEDROOM 2 BATH 2 CAR GARAGE CBS HOME LOCATED IN GATED COMMUN …
MLS# R3193781
Bedrooms: 3
Bathrooms: 2
Square Ft: 1723
(Mapped)
Price: $104,900
HOA fees include:Clubhouse w/ fitness center & resort style pool/spa, basic cable TV package, high s …
MLS# R3210288
Bedrooms: 3
Bathrooms: 2
Square Ft: 1413
(Mapped)
Price: $105,000
MLS# R3179091
Bedrooms: 3
Bathrooms: 2
Square Ft: 1678
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The Secret Weapon to Competing in a Renter’s Market

29 Aug

The secret weapon to competing in a Renter’s Market.  There’s an abundance of rentals and competition on every block so how do you make your home irresistible and market-ready? Comps and Extras speak volumes to those trying to get more for their money.

Apartment buildings do it; Commercial landlords are doing it; so why not follow suit and compete on the same level?

The secret weapon to renting out your home among the masses is to show it like it’s the last of its kind. Show prospective tenants all they can get if they were to rent out your home.

People are looking for value; they want to live like royalty while remaining within their budget but how many of us actually can find a place that luxurious with all the bells and whistles? As a landlord you must think outside the box to entice renters.

1.Less “stuff” makes a home seem roomier. Most homeowners believe a home that looks lived in will rent out quicker but that’s just the opposite. Homes that are empty allow prospective clients to visualize where their furniture and mementos can be placed. Empty fosters imagination. All you need is a good paint job and a clean bright home that welcomes you in.

2.Offer more than the landlord down the street; many landlords compare and then decide to lower their price to meet demand and while that may be smart it should be the last option. How about offering free cable with the monthly rent? You can negotiate a package deal with your cable company and offer the most basic package perhaps with 1 premium channel; that may run you $30 per month that can be integrated into the rent. How about free internet? Again, you can get a package deal from most vendors.

3.If you live near a community center with a fitness club think about throwing in a membership and it’s not as expensive as you think. Most community centers offer a monthly or 3 month package deal that may run you $50 for 3 months. You could offer prospective tenants a 6 month deal.

4.If your rental home is near a golf course a great enticement is a membership towards weekend golfing.

5.Think about offering maid service; call around to compare services and prices and perhaps offer a once-a-month service that’s included in the rent.

6.Offer military veterans a special – a lower monthly rent or smaller security deposit.

7.Offer uniformed police a deduction in rent for a longer lease.

You can always think of other services to offer that compliment your rental property. Finding renters is not difficult in this market but you must sell your property and let clients see all the reasons they should choose you over the rental next door.

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

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Life after Bankruptcy and Qualifying for a Home

29 Aug

Life after Bankruptcy and Qualifying for a Home.   Bankruptcy can help relieve you of your debts and stop harassing creditors from contacting you but have you thought about life after bankruptcy? Will you be able to qualify for a new home?

You can be approved for a new mortgage at a normal interest rate within 24 to 30 months after your discharge. If you can prove the bankruptcy was caused by medical reasons or a divorce you probably can be approved much sooner. But there are qualifications that you must meet to get a new mortgage and this all depends upon how you re-established yourself after the bankruptcy discharge.

Even if you don’t meet all the qualifications you can still get a mortgage but it will come with a higher interest rate and a larger down payment. Lenders will be inquiring about your finances and looking to see if you’ve paid your bills on-time since the bankruptcy.

So How Much Credit is Enough?

If mortgaging a new home, it will take more than a bank card with a $500 limit to re-establish your credit. Begin by concentrating on the necessities and time will work miracles. Start establishing the following:

1.    Bank checking and savings account
2.    A secured credit card from a reputable institution
3.    An auto loan

You will need at least 3 credit references since your bankruptcy.

Put Your Financial House in Order

It all starts with your money. Have you noticed that most people in dire financial straits seem to have everything? Large screen televisions, expensive appliances, fancy cars, etc? When you are discharged from bankruptcy you must cut expenses and stop throwing money away on useless things however the problem here lies with our mindset – we believe everything we have is a necessity; the new wardrobe, the mini-mansion, the over-priced automobile; you may very well deserve these things but if you can’t afford it you simply have to understand the obvious – You Can’t Afford It!

Did You Know –

After your bankruptcy discharge you can re-build your credit score within 24 months up to a high 800? But this requires paying all bills on time and securing new credit responsibilities to show that you’re ready.

I wish I could say that you’ll be automatically qualified but this all depends on what you’ve done since your bankruptcy and the lender’s guidelines.

Things that will Kill a Mortgage Loan Application

Start anticipating a bumpy ride; I know this sounds negative but it’s best to be prepared and after a bankruptcy it’s not a walk in the park. There are twists and turns but it will prove to be well worth the hassle so never give up.

There are things that will likely kill or just delay your chances for a new mortgage;

1.    Poor credit since bankruptcy
2.    High debt to income ratio
3.    Job instability
4.    Tax liens or levies against your paycheck
5.    Insufficient down payment

Reality hurts sometimes but when you’ve been given a second chance you should know you have to prove yourself all over again. The most important thing here is to know that you must take a hard look at how you’re living and the work you must put into re-establishing your credit. This will improve your chances not only for a mortgage but living encumbered without the benefits of good credit.

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida.  Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties.  For more information please forward your request to communityinfo@comcast.net

View thousands of listings  www.Northeast-Florida-Relocation.comwww.BoldRealEstateGroup.com,  www.NewYork-Florida-RealEstate.com, www.PGAVillage-Homes.com, www.TheCascadesAtStLucieWest.com, www.HealthcareRelocationServices.com

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