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So You Want To Be A Kissimmee or St Cloud Florida Home Owner?

01-16-12
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904: Real Estate Brokerage in Saint Cloud, FL
  • view my blog
  • Office: (407) 616-9904

So You want to be a Kissimmee or St cloud Florida homeowner?... There are many benefits to owning a home. Mortgage Loan Interest, Property Tax Deductions, Improvements which may be tax deductible, Hazzard Insurance deduction are all some of the benefits. Add in pride of ownership, stability, and sense of accomplishment that you have transitioned from renting to owning. Yes, there is added responsibility, but with home prices at all time lows, there is also future equity to be earned if you buy right, and make yourpayments on time.

As e all know the current Real Estate Market prices and historically low interest rates make this an ideal time to enter the Housing Market.

3 Important things you need to know.

1) If you are financing, the minimum credit score is 720. Financing is avilable through all major lenders. There are some very good programs currently available.
FHA home loans require 3.5% downpayment.
VA Loans offer 100% financing
Rural Housing Loans for people earning $73,000 per year or less
Manufactured Home Loans
Conventional Loans
and Construction Loans.

2) Letter of Pre-Approval Before you begin looking at homes-visit your lender. You can get a Loan Pre-Approval Decision for FREE. The lender will ask you questions based on your income and expenses. They will determine how much money you can borrow.
If there are no major issues, they will give you a letter of Pre-Approval and THEN you can begin your search for the perfect place to call home.

3) Work with ONLY one Real Estate Agent. Preferably you want to find one you feel the most comfortable with. Some important things to consider. Experience, Area Knowledge, flexible work schedule which matches your schedule, do they communicate well with you, do they return phone calls promptly. Are they able to meet your needs, time frame and budget.

Realtors® are member of the National Association of Realtors®, they are licensed Real Estate Agents who also abide by a strict Code of Ethics. It is important to realize Real Estate Agents or Real Estate Brokers (Who have more experience and training) may only assist you if you are NOT working with anyone else. Since Real Estate agents work on commission. There should be no upfront fees paid in advance.

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Hurdicales: What Realtors Do Everyday for Clients

01-09-12
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904: Real Estate Brokerage in Saint Cloud, FL
  • view my blog
  • Office: (407) 616-9904

    

Hurdicales: Are a combination of hurdles and obstacles. Imagine a relay race. Is what I tell Buyers and Sellers looking to buy or sell their Kissimmee St Cloud Florida homes. The first hurdicale is getting the proper loan Pre-Approval from a buyer. Because without that, you have a long gamut of obstacles to closing.

Reluntant Buyers who are unable or unwilling to get a Letter of Pre-Approval make overcoming the other Hurdicales nearly impossible.

This is especially true in the competitive area of Kissimmee St Cloud Florida where I sell homes.

Imagine a relay race.

There are several members to a team. The baton is the Pre-Approval Letter.

We really get get running without one.

So the Loan Officer is the first leg of the realy race.

Once The Buyer passes off the Letter of Pre-Approval we have overcome the first Hurdicale to buying a Home.

That Pre-Approval Letter, is then used to accompanying an Offer the Buyer will make on their Kissimmee St Cloud Florida home for sale we have located for them.

 

 

 

The hand-off to the lender includes the Offer, Signed by the buyer and seller, the Pre-Approval Letter, and a good faith deposit.

 

The Next Hurdicale is the Lender. St Cloud Fl homes for sale, Lakefront property fla, Lakehouse Florida, Florida homes for sale

Lenders have tightened considerably the risk associated with home loans to avoid future defaults.

As a result, credit worthiness is more closely examined. One of the measures of credit worthiness is a FICO score which is a number based on your payment history. The current requirement is 720.

The Purchase Agreement, Letter of Pre-Approval, and good faith deposit are submitted to the lender you chose who will be financing your Kissimmee St Cloud Florida Home loan. They will be reviewing the file, and determining the credit risk as well as evaluating the property you wish to use their money to buy.

The Hurdicale of Appraisal is an important one. The lender will order an Appraisal of the property you wish to buy.

The value will be determined, by comparing similar recent sales, square footage, age and condition of the Kissimmee St cloud Florida Home you have selected. If the value determined is what you have offered or higher you are on the next leg of the race.

Once all the conditions have been met, your credit reviewed, the house inspected, surveyed, and appraised. You and your Realtor® working together, will provide any last minute financial documents the lender may require so you can clear the final hurdicale which is the closing. Read More here

St Cloud Florida Vacation Homes, St Cloud Kissimmee vacation homes, St Cloud Waterfront Homes for sale St Cloud Homes & Land, LLC 407-616-9904 St.Cloud Homes & Land, LLC RESULTS!

 

St.Cloud Homes & Land, LLC is a full service Licensed Real Estate Agency Providing OUTSTANDING customer service and commitment to excellence for its clients. Kissimmee Homes, St Cloud Florida Homes, Kissimmee Vacation Homes, Kissimmee Town Homes, Kissimmee Condos, St Cloud Vacation homes, St Cloud Town Homes, St Cloud fl historic homes, St Cloud Fl condos, all Osceola County Real Estate Properties.

 

 

 

 

 

St.Cloud Homes & Land, LLC

Allison Stewart Broker, SFR, CDPE

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Kissimmee St Cloud Florida Homes- Why Buy Here?

12-08-11
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904: Real Estate Brokerage in Saint Cloud, FL
  • view my blog
  • Office: (407) 616-9904

Kissimmee-St Cloud Florida Homes- Why Buy Homes Here?

Why Buy homes here? Value is the main reason Kissimmee -St Cloud Florida Homes For Sale are selling.

Kissimmee St Cloud is geographically convenient to all the attractions without the tourist traffic most locals dread. Located southeast or Orlando, and within close proximity to the Orlando International Airport. Yet it is near the hub of the attractions such as Disney, SeaWorld, The Wizzarding World of Harry Potter at Universal Studios, Beautiful sprawling, sun soaked sandy Beaches on the Space Coast, and within a short drive to St. Augustine America's Oldest City and Daytona for Nascar fans.

St.Cloud Florida was established in 1909 as a City. There are still many St. Cloud Florida Historic Homes which dot the tree lined State Streets. St. Cloud Florida roots date back to the Civil War era. It is home to G.A.R., Veterans Museum in Kissimmee, Veterans Library, and many military vehicles are proudly on display in the park located on Highway 192 which is the main street.

The beautiful St Cloud Florida historic District is rich with restaurants and unique antique shops, vintage hotels, and a sense of small town Americana in the shadow of the high tech amusement parks located within a half an hours drive.

It is the geographically, the best place to live being centrally located, and predominantly residential.

Another Happy Buyer! St. Cloud Homes & Land, LLC

Architecturally, the styles of homes in St. Cloud Florida vary dramatically.

St Cloud Florida homes date back to the turn of the century homes with full wrap around porches, to ultra modern new construction which appeals to today's lifestyle.

Holidays are celebrated in small town fashion- Here is the Christmas Parade presented by our newest associate Rebecca Mills.

Whether you are sun-seeking, or relocating to Florida St. Cloud Florida has something for everyone. Homes, Land, Business Opportunities are all available here.

St.Cloud Kissimmee Florida home Prices are very attractive to Buyers, and there is an ample selection of homes to chose from and homes are slowly appreciating in year over year comparisons

Search For Homes Here

Relocation services to Kissimmee St Cloud Florida are available. Contact us for a free relocation guide email a request to: Allison@Kissimmee-stcloudflhomes.com

st cloud median sales prices

Allison Stewart Real Estate Broker/Owner- St. Cloud Homes & Land, LLC Local Kissimmee-St Cloud Florida Real Estate Experts. Looking to buy in Kissimmee -St Cloud Florida; we will streamline the process and eliminate stress with our proven Purchasing System. Looking to sell your existing Kissimmee -St. Cloud Florida home we have a program for that too. We provide Unparallelled Customer Service, Rapid Response, and concenrate on your individual Real Estate Needs. Have a question? Contact us at Allison@Kissimmee-stcloudflhomes.com or call 407-616-9904

Search For Homes Here

St. Cloud Kissimmee Real Estate Experts

St. Cloud Homes & Land, LLC YOUR Local Real Estate Experts serving Home Buyers/Sellers in Kissimmee, St. Cloud Fl, Harmony, Lake Nona, Anthem Park, Bay Lake Ranch, Lake Lizzie, Reunion, Celebration, Lakepointe, Steven Plantation, Acadia Estates, East Lake, Windermere, Bay Hill. Our unparalleled service begins with YOU.

Allison Stewart Real Estate Broker/Owner- St. Cloud Homes & Land, LLC Local Kissimmee-St Cloud Florida Real Estate Experts. Looking to buy in Kissimmee -St Cloud Florida; we will streamline the process and eliminate stress with our proven Purchasing System. Looking to sell your existing Kissimmee -St. Cloud Florida home we have a program for that too. We provide Unparallelled Customer Service, Rapid Response, and concenrate on your individual Real Estate Needs. Have a question? Contact us at Allison@Kissimmee-stcloudflhomes.com or call 407-616-9904

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6369 Bonnie Ct- St Cloud Florida Homes For Sale- A Boater's Oasis Under the Florida Sun

11-28-11
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904: Real Estate Brokerage in Saint Cloud, FL
  • view my blog
  • Office: (407) 616-9904

6369 Bonnie Court-St. Cloud Florida St Cloud Fl homes for sale, Lakefront property fla, Lakehouse Florida, Florida homes for sale

Florida Vacation Homes have never been so affordable.

If boating or fishing is your passion. it will be easy to picture yourself, soaking up the sun in this lovely St. Cloud Florida home.

This gem is located on a cul de sac, with a view of East Lake Toho which is just steps away. It backs onto a canal, and has a private boat dock so fishing is at your fingertips.

Beneath the majestic oaks, and year round summer skies, you will delight in the easy to maintain 3 bedroom 2 bath block home, which offers a large spacious floorplan, ceramic tile main walkways and flowing floorplan.

Vacation waterfront home st cloud fl for sale, st cloud fl vacation home st cloud homes & Land, LLC 407-616-9904

Dreaming of Your next Florida Home?

How about this wonderful St Cloud Fla waterfront home?

Love to fish?

Cast your line on this great home.

You own private St Cloud Florida boaters dream home and private oasis awaits you!

The canals leads right out to East Lake Toho, where you wil find some of Central Florida's best Bass fishing!

East Lake Toho is an 11,000 acre fresh water lake located in the heart of St. Cloud and Kissimmee Florida. 30 minutes from Disney, Orlando, Orlando International Airport, and the Space Coast launches can be seen right from yoiur own back yard!The Ultimate vacation and great Florida year round living. No HOA fees and affordable taxes make this a MUST SEE for your next Florida Vacation Home.

St Cloud Florida Vacation Homes, St Cloud Kissimmee vacation homes, St Cloud Waterfront Homes for sale St Cloud Homes & Land, LLC 407-616-9904

The focal point of this well appointed home is the lovely stone wood burning fireplace.

Plenty of room for family and friends around the beautiful hearth of this home.

The soaring vaulted ceilings, and spacious floorplan leads to the enclosed Florida room which overlooks the back yard and your private dock on the canal.

The neutral colors, work with all of your own furniture and the home has been well kept and is easy to maintain with ceramic tiles floors in heavy traffic areas, while plush carpet is located in all three bedrooms.

St Cloud Fl homes for sale, Lakefront property fla, Lakehouse Florida, Florida homes for sale

The kitchen features oak cabinets,

wasy to keep tile floors, and is spacious.

Take note of the breakfast bar, and dining area which have a clear view to the family room.

The attached oversized 2 car garage is just steps away.

Where the ultilty room is conveniently located.

Want to know more?

St Cloud Florida Vacation Homes, St Cloud Kissimmee vacation homes, St Cloud Waterfront Homes for sale St Cloud Homes & Land, LLC 407-616-9904

Need a home office?

This lovely 3 bedroom home features a bedroom den with beautiful french doors which is convenient;y located off the family room.

If you are looking for a home office this is a great use of well placed space.

The split bedroom plans, provdes plenty of space for family or guests.

Looking for a great deal? Make an Appointment to see this beautful St Cloud Florida Waterfront Home which has been competitively priced. For additional information contact us

Not a short sale, or foreclosure. Well maintained, and gently lived in.

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What to Consider When Buying A Kissimmee/St. Cloud Property To Remodel

11-22-11
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904
Allison Stewart St Cloud Fl Realtor Osceola County Real Estate 407-616-9904: Real Estate Brokerage in Saint Cloud, FL
  • view my blog
  • Office: (407) 616-9904

What To Consider When Buying a Kissimmee/St Cloud Rehab Property

St Cloud Homes & Land, LLC 407-616-9904When buying a Kissimmee/St Cloud rehab home the property location, condition, age and after repair value should also be considered. A higher end home will yield a greater return-even if the repairs needed are more extensive.

We sold this lovely 3/2 St Cloud Fl home featuring its ideal location. Just 2 blocks from the beautiful St. Cloud Lakefront.

The couple who purchased it, loved the location. Over time, they remodeled the kitchen and the bathrooms.

The location is what sold them.

A good long term investment.

Lower end Kissimmee/St Cloud homes have a maximum value; regardless of how much money you spend, a low end home, may not yield the best return on investment. This an issue that Kissimee/St Cloud home buyers need to weigh carefully. Take into consideration these Four Key Points.

1) Location- still the most important Real Estate Rule. Buying the worst home in the best neighborhood. Location, Location, Location.

2) Age: Is the floor plan really outdated? Thi sis a hard fix without completely gutting the home. Cosmetic improvements are one thing-structural improvements can become very costly. Something to consider.

3) Condition: Structurally is the home sound? Condition also applies to things you cannot always see. So make sure you have a complete and comprehensive Home Inspection performed.

4) As-is and As-Repaired. Here is where knowing the values of well maintained properties inthe immediate area matters most. Estimating the rehab costs should also take into account what the maximum market value would be when they are completed. You want to be careful not to overbuild in an area which may not support a huge investment.

St. Cloud Homes & Land, LLC Put your home in our hands. Reliable, Dependable Honest service. Buying or selling your Kissimmee or St. Cloud Home, Vacation home, Town home is a click away. Our unparalleled service begins with you. Questions? Contact us

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