Real Estate may be local, but when your buyer isn't you may have a real problem. In my area of Kissimmee-St Cloud Florida Realtors like me, know that the majority of our buyers are transplants , foreign, or from out of the immediate area. I am acutely aware of my long distance clients special needs. And how I approach home buying for them is entirely unique and very successful. However, now that the shoe is on the other foot, I find I may be walking a little funny.
Things some Listing Agents take for granted that I as a St Cloud Kissimmeee Florida Home Buyers Agent make sure to include to appeal to buyers out of the area are the detailed photos illustrating the special features of a listing.
Suggestion: If you talk about a homes features, it would be nice to actually take pictures of them.
Take the few extra minutes to set the stage for the photo.
I have read through countless descriptions that boast of a homes "special features" only to discover they have omitted photos of them.
Google Maps, has been very disappointing. Often times placing me 1/2 mile or more away from the target property while a struggle with my hand driven finger pad mouse to inch my way up the street to hopefully get a glimpse of the property I am seriously considering. Most time however, the little red marker is not even close. There are still several homes I never could pinpoint on the map provided. According to the address, no house! Check the placement of your pins Please!
In a recent article, it took a lot more time to precisely pinpoint he location of Silver Linings Restaurant In St. Cloud, Florida but the street view is great, for area newcomers. It puts potential visitors right on New York Avenue in front of the Silver Lining Location. Further they are able to see what the other shops and street look like as well.
St. Cloud Florida Realtors rarely use this feature, Yet it is so helpful to people new to our area.
When considering buying or selling a property, taking these small things into consideration, are hugely important.
ST CLOUD FLORIDA SILVER LINING RESTAURANT A GREAT PLACE TO EAT. They say every cloud has a Silver Lining, and St. Cloud Florida is no exception. St.Cloud Florida's Silver Linings Restaurant is Located at 1047 New York Avenue, St Cloud Florida 34769,
Silver Linings Restaurant is a real treat for the pallet and offers a wide variety or gormet culinary delights.
Located Adjacent to the Historic Hunter Arms Hotel, Silver Linings is nestled right in the heart of the Historic District.
Open Tuesday through Saturday from 11:30am-6pm, Owner Dean & Lori who relocated from New York City, combine gormet homecooked meals with a great ecclectic collection of mismatched tables, dishes and glasses.
The food is truly outstanding!
Meals are cooked fresh to order, so allow ample time. The restaurant does not take credit or debit cards. But food this good, is worth having cash on hand for.
The Restaurant shares a lovely outdoor Garden 
Featuring ample outdoor seating, a lovely fountain and a Koi pond with some of the largest Kio I have ever seen.
This peaceful setting is the perfect place to meet for lunch, have a business meeting, a girls day out, or just treat yourself to well deserved rest and relation.
It makes you feel like lik eyou could be in european bistro, while nestled away in what could be perhaps St. Cloud Florida's best hidden hide away.
The tranquility of the large fountain, or giant koi splashing nearby combined with excellent food from Silver Linings.
If You are looking for a real Treat in Where to Eat when Visting St. Cloud Florida, Silver Linings is a must.
St.Cloud Homes & Land, LLC Your LOCAL Real Estate Experts. Looking to Buy homes in Kissimmee-St CLoud Florida or sell your existing St Cloud Kissimmee Florida Home, Townhomes, Condo, Vacation home, or Investment Property; our unparalleled customre service begins with YOU.
Lease to Own- Kissimmee St Cloud Florida Real Estate is a question I get often from potential buyers. Typically the buyer has a credit issue, which would prevent them from seeking traditional financing. Issue include but are not limited to: Bankruptcy, strategic default, or foreclosure. All of which, would severely damage their credit rating and exclude them from obtaining a traditional loan. So what is the alternative? Renting?
These days landlords are pulling credit checks. Before entering into a lease agreement, landlords and management companies in Kissimmee St Cloud Florida, want to be sure the tenant is not going to default on the lease agreement-causing the added expense of an eviction. Read more here
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.
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 espe
cially 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. 
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 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-StCloudflhomes.com , Short Sale Experts, Foreclosures, fl vacation homes, first time buyers- full service Real Estate Brokerage Our Unparalleled Service Begins with You. Call us today! 40
Prices have not been this good in years!
We help you to understand current Real Estate Market, terms and how YOU can save money. Our years of experience and our extensive network of real estate industry professionals make the home buying process simple. In just a matter of minutes you will know how much home you can afford. See What our Buyers say about us on Zillow
We recommend local mortgage loan experts who can assist you in pre-qualifying for a home loan or can advise you on various loan programs, including VA Financing, FHA Financing, Rural Housing, Or Convential financing. Once we know what your budget is, we custom tailor searches and make recommendations on the properties which best match exactly what you are looking for.
Our years of experience HELPS YOU- We monitor continuously the market changes, preview local homes on a regular basis, work with local loan officers, keep up to date on tax issues and zoning changes and keep informed on changes in real estate which would affect you. We track the inventories of available homes, short sales, and foreclosures which may save you thousands of dollars.
Ask us for a list of surveyors, home inspectors, and about the value of adding a home warranty to your new purchase.
How about a Free area map?
Yes, we have them too along with a FREE Guide of Important Phone Numbers you will need when relocating to the Kissimmee-St. Cloud Florida area which, we provide for clients.
To see what homes are currently available, you can do a search for free on our website www.kissimmee-stcloudflhomes.com and you can speak with a real person 7 days a week by calling us at 407-616-9904. Our unparalleled service begins with YOU.
Florida Short Sale & Foreclosure Resource Specialist, & Certified Distressed Property Experts; save you money.
The new buzz words in Real Estate are Short Sale and Foreclosures- the benefit is they can save YOU thousands of dollars. Some may need basic things, but the overall savings are worth a look.
Prices have not been this good in years-Now is the time YOU will benefit the most, save the most money, and have the largest selection of homes to choose from.
Call us and tell us what YOU need, our experienced staff is ready to assist you. 407-616-9904 or visit our website www.Kissimmee-stcloudflhomes.com It's fast, free and easy to use.
OUR BUYERS SAVE THOUSANDS OF DOLLARS YOU CAN TOO
"Allison was amazing-she found me a fabulous house at a great price and guided me through the short sale process saving me thousands of dollars"
We specialize in finding the best deals in:
Residential Real Estate,
View our customer testimonials and decide for yourself
*St.Cloud Homes & Land, LLC is not associated with the Government,and our service is not approved by the Government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
BUYING OR SELLING HOMES IN KISSIMMEE ST.CLOUD Osceola County FLORIDA.
Picture yourself as one of the many Happy Florida Home Owners we have assisted.
Mark and Traci had only 9 days to find a home while here on vacation. They called St. Cloud Homes & Land; within one day we had a lot under contract; and they were ready to build their dream vacation home. Once we completed the contract on their new lot, we introduced to one of the many great local home builders who had exactly he floorplan they wanted. In four shourt months, their brand new custom home was ready! They saved thousands of dollars and have been enjoying their vacation home ever since!
Gloria and Carol tried for months to sell their Mother's St. Cloud Florida home. They called St. Cloud Homes & Land, and we arranged a free staging consultation- With our list of recommendations in hand; they painted the kitchen and bathroom and received a full price offer on their home in 31 days!
Elizabeth had been trying to buy a home for over a year. She called St. Cloud Homes & Land and we found a perfect match for her needs and budget immediately. Working hand in hand; she closed on her home in 30 days and was very pleased with our personalized service.
Amy was a first time Home Buyer looking at short sale properties in St. Cloud. We had exactly what she was looking for. A beautiful well kept home, near the golf course which she absolutely had to have. She saved thousands of dollars on her purchase and is oneof the many happy customers we have serviced.
Don't take our word for it, see for yourself
Click to View our > Customers Testimonials
SAVING YOU MONEY- Our clients are our first priority. We utilize good old fashioned customer service, combined with speed and convenience of modern technology.
St. Cloud Homes & Land LLC -Allison Stewart, Licensed Florida Real Estate Real Estate Agent, Osceola County Realtor, SFR Short Sales and Foreclosure Resource Certified, Realtor® Broker CEO St. Cloud Homes & Land, LLC 407-616-9904 www.kissimmee-stcloudflhomes.com
St.Cloud Homes & Land. LLC St.Cloud Homes & Land, LLC
"Allison was amazing-straight up, honest, the sort of person you want to have handle your purchase or sale of property. She is first class all the way" Mark Bolger-UK "I called Allison Stewart of St. Cloud Homes & Land, and told her I only had 3 hours to find the perfect home- I never thought she could do it-not only did she find me exactly what I was looking for at the price I wanted she did it in less than 2 hours from showing it to us to writing the offer which they accepted- We love our home and cannot thank you enough Allison for making it so easy to work with you-You are great!" Dilia Lopez (formerly of NJ) St. Cloud Fl
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"Allison Stewart was incredible, she solved every problem quickly and efficiently, and treated us like were the only client she had which was amazing. She made our experience absolutely excellent going above and beyond every step of the way- we have recommended her to everyone we know. She is absolutely the best!" We recommend St. Cloud Homes & Land to everyone!
Vic & Noni Mitchell- Indianapolis, Indiana-St. Cloud Florida
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"Allison found me the perfect home-it was even better than I had hoped for-she is amazing."
R. Guiney, New York
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"From the day we met her we were confident she would be the right agent for us,We knew it would tenacity and commitment, Allison exudes those qualities, but she also abounds with positive energy,compassion for both buyer and seller as well as knowing how to inject a sense of humor when needed. Allison Stewart is excellent at what she does because she loves what she is doing. Kudos to you, Allison"
-Beth and Norm H-
St. Cloud, Florida
Read more: Insights, humor, wit, and relevent information
Putting your trust into a Realtor 1200 miles away is not easy.
"Allison was relentless in finding the perfect lot for me to build my retirement home. She nailed it. I would recommend her to anyone I know confidently. Thanks Allison!"
A.Oliveri NJ
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"With Allison , I know we found the best Realtor to sell Mom's house" Betty B-St. Cloud, Florida
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I tried for months to sell my house by myself-I interviewed a lot of other Realtors but just didn't feel right with them. Then I met Allison. Her friendly demeanor and expert advise and knowledge of marketing got my house sold in record time with multiple offers! Thanks so much Allison you are great!"
Bonnie M- St. Cloud, Florida
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" Allison is a great Realtor-I would recommend her to anyone. Thanks so much Allison"
Joanne C.- Kissimmee, Fl (Sold her condo in 28 days)
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"Allison was right on top of everything-Great Job! Thanks so much. The best part was we got to closing two weeks early!"
S. Malloy- Staten Island, NY/St. Cloud Florida
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"I would and have recommend Allison to Everyone I know-she is great!"
C. Falkowski St. Cloud, Florida
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"WE ARE SO HAPPY WITH ALLISON (St. Cloud Homes & Land) she is amazing, we knew exactly what we wanted and Allison not only found it, she got us a great deal. She took us through the entire process making us feel so comfortable and confident- She is great-We Absolutely recommend her to everyone we know"
A.Raines- Proctorville, Ohio
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