Part IV Tips~| Vera L. Koon | Realtor ~ 321.302.9588 ~www.BrevardHomesToGo.com
10 Ways to Prepare for Homeownership
1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
2. Develop your home wish list. Then, prioritize the features on your list.
3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
6. Determine your mortgage qualifications. How large of mortgage do you qualify for? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
7. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements. THIS IS A MUST! Knowledge is power, why wonder, hope & wish.....KNOW IT!
8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
9. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
10. Contact a REALTOR®. I would be honored to put my experience as a REALTOR® to work for you. I can help guide you through the process. I would be honored to earn your business. Vera | 321.302.9588
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The Brevard County Quick Guide
Part Three | Vera L. Koon | Realtor ~ 321.302.9588 ~ www.BrevardHomesToGo.com
Welcome to the Space Coast! Brevard County, known as the “Space Coast” because of its rich history with NASA and space exploration, has an abundance of interesting and exciting attractions and community events to make every day in this area a new adventure! Whether you are relocating or just visiting, we are sure you will love this east coast Florida area.
Dining/Nightlife
The Brevard County area features an array of local dining and nightlife spots and you can find many great dining and nightlife experiences no matter where in the Space Coast you are! Brevard is home to over 1,400 area restaurants and nightlife establishments. Whether you enjoy upscale dining like the French cuisine of Café Margaux in Titusville, Italian food like that served at Alfredo’s Paradiso in Merritt Island or San Remo’s in Melbourne, Mexican food like that served at the Chili Pepper Club in Cocoa Beach or El Charro in Cocoa, Brevard County has many to choose from.
There is also a wide variety of southern barbecue restaurants like Memaw’s Barbecue in Satellite Beach or Choo Choo’s Barbecue and Grill in Cocoa, Indian food like that served at Taste Goa Indian Cuisine in Cape Canaveral, Japanese restaurants like Hioki in Palm Bay or Tai Ho in Merritt Island. No matter your taste, Brevard has a great selection of international flavors.
If you want the best of what the local seafood market has to offer, you'll find what you're looking for in the Space Coast region at places like the Catfish Cabin and Dixie Crossroads in Titusville, the Eau Gallie River Crab House in Melbourne, Gregory’s Steak and Seafood in Cocoa Beach, Chowders Seafood Grill in Rockledge and much, much more.
If after you’ve gotten a taste of one of the many fabulous dining experiences available in the area you decide that you could use a little night enjoyment, the Space Coast rivals any area of Florida for great evening and late night entertainment. Brevard offers everything a person could want from Groucho's, a stand-up comedy club to Meg O' Malley's in Melbourne where they are always serving up tasteful food with a great atmosphere, and great shopping all within walking distance.
If smooth jazz is your taste, Heidi's Jazz Club in Cocoa Beach is a great spot, and if you care to belt out a tune, karaoke at Crossroads Sports Bar in Palm Bay is a fun place. City Tropics nightclub in Indialantic spins everything from House to Salsa to Reggae and Rap. On the Space Coast, you’ll find entertainment that suits every musical preference and atmospheres that suit your lifestyle.
Buying or Selling in Brevard County? I can help. Your invited to visit the Curri Properties home website at www.CurriProperties.com & my personal site at: www.BrevardHomesToGo.com
"Exceeding Expectations in My Everyday Goal!"
Get your "MARKET SNAPSHOT"| Click Now
TROPICAL PARADISE- Lockmar Pool Home
"How To Guide" click--> Buyers | click-->Sellers
What is the Value of my home? Go to: www.321HomeValue.com
10 Ways to Prepare for Homeownership
1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
2. Develop your home wish list. Then, prioritize the features on your list.
3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
6. Determine your mortgage qualifications. How large of mortgage do you qualify for? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
7. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements.
8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
9. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
10. Contact a REALTOR®. Find an experienced REALTOR® who can help guide you through the process. I would be honored to earn your business. Vera | 321.302.9588
Get your "MARKET SNAPSHOT"| Click Now
TROPICAL PARADISE- Lockmar Pool Home
"How To Guide" click--> Buyers | click-->Sellers
What is the Value of my home? Go to: www.321HomeValue.com
The process of buying and selling homes can be overwhelming and just plain confusing. No matter which side of the purchase you're on, you need an experienced advocate to help you get the best results.
Get your "MARKET SNAPSHOT"| Click Now
I am native of Jacksonville Fl, and have lived in Brevard County since Early 2001. My husband, Kenneth, and I have been married for 17 years and have 2 sons: ages 12 and 4 .. I love our beautiful beaches and year-round "outdoor" weather. I love being a Realtor and helping families with their "Home buying and Selling needs", it is only 2nd to my family & my faith.I am dedicated to my clients' needs and won't stop working until each is completely satisfied. I believe in straightforward, honest communication. I would be honored to represent you and make your transaction a pleasant and stress-free one. "Exceeding Expectations is MY Everyday Goal!"
About Curri Properties & Our Team of Professionals:
"There isn't a card big enough to fit all the gratitude I have for you. Thank you so much for all that you did to get us to this point! You really went above & beyond, and both Chris & I are so appreciative! Thank you for stopping by the open house, it was so great to have you there for that. We love the home warming gifts. We are just so grateful God put everything & everyone together like He did. Thank You!! Vanessa"
Thank you for all the hard work to make our "out of town" purchase a complete success. You assisted with every step and surrounded us with a team of professionals. We are very happy with our Florida home....Thank you,
Moving back to the Melbourne area and finding a home in a short amount of time was quite the task. We were fortunate to have someone refer us to Vera. She really helped us achieve our home purchasing goals and found a home that matched our budget. We continue to call her for all our Real Estate needs. One thing we are so happy with in her service is she is available, what a difference it makes to work with a professional. Thank you Vera for all your help, The Messengers.
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