Tuesday, July 1, 2014

The Art of the Approach: Curb Appeal, and More - from my monthly email news letter

When considering the mysteries of what attracts the ultimate buyer in Land o Lakes and Wesley Chapel, FL few will deny that "curb-appeal" is a sort of magic bullet. The term is a buzz word for the enticing image of your home as seen from the street, and is similar to the adage of "judging a book by its cover." Buyers who rely upon this might overlook a treasure in the rough, but savvy sellers know curb appeal is a key tool to finding a buyer more quickly.

Curb appeal is key when buyers are looking through multiple listings, getting a feel for neighborhoods from the comfort of their cars -- just "driving by." Often, buyers will look at advertisements and listings online or in print, and if they are local will take a peek on their way home from work. Because of the power of this "curb view," often the primary photographs used in advertisements and listings are from this angle. Money spent in improving this viewing angle is among the smartest investment. Simply put, painting and pruning trees and shrubbery can transform a home, helping to shed light on its features.

Other aspects of the approach to a home can be equally enticing and help to pave the way for a successful interior viewing. After all, when care is taken to the outside of a home, people feel that the interior will also have what they are looking for. Driveways and walkways that are well maintained and artfully presented greet potential buyers as soon as they step out of their vehicles.

Trees and shrubs that lose their leaves can create slick areas on driveways and walkways and be unattractive if allowed to affect landscaping and lawns. Ensure that you consider this when selecting trees to plant near driveways, and keep leaves in check during fall viewings. During the winter, when snow and ice might prove to be a problem, it is essential to maintain driveways and walkways carefully. This is not only for safety, but it illustrates the type of person who has owned and maintained the house itself.

One helpful exercise is to take time to view a home with curb-appeal in mind. At each juncture where a potential buyer might approach and view your home or property, stop and look around. Notice details. Take photographs. Look straight ahead, to the right and left, and even at the ground. If there are appealing features, play those up. If there are issues that block the enjoyment of the home, you can choose to address them. In each instance, seek to frame the view of the home or property in an appealing light, tending to the ground under foot, the areas close to the viewer, and that which they see.

The Results of curb-appeal come when assessing views from inside the home and at various places on the property. All views are important because they are attention-getting elements of the property you are selling. Views are memorable, and a bad one can deter potential buyers. Whenever possible, seek to create eye-catching points around the home. If certain views are less than desirable, seek to minimize, distract, or even block those views. If you can remove the offensive elements, do so, but whenever possible, contain them, screen them or otherwise affect a change.

Additionally, certain areas in homes have an element of "approach" to them. You control all the views inside the home, so assess each one carefully. The foyer or entryway has its own view into the home and serves as a curb of its own, or a launching pad, so to speak. As a viewer enters the home, moves to the living room, kitchen, master bedroom, or backyard, each transition creates an impression and should be considered a "view." Try walking through the home and noting the approaches so that you can begin to create views within the home that offer the best feelings and highlight the home's strengths. Make sure lighting, furniture, and clutter are all under control so that impressions are good every step of the way.
If you would like to receive these monthly newsletters by email please contact me at

DeeSmith@DeeSmith.com , or 813-714-9737 cell or text or  visit  www.DeeSmithSellesHomes.com . and for testimonials click on http://rem.ax/Rax608
WARNING! - THIS PLAN IS DESIGNED TO SELL YOUR HOME FAST AND FOR MORE... AND IT WORKS!!!   If you are not ready to sell your home quickly, DO NOT list your home with Dee Smith at this time.... wait until you are ready.  Help with planning is available BEFORE YOU ARE READY to list to make sure you do it right, you save money, and to make your move more enjoyable.  Call Dee today!

Tuesday, March 18, 2014

GREAT NEWS FOR FIRST TIME HOMEBUYERS - Bond Program Beginning 1/15/14




GREAT NEWS FOR FIRST TIME HOMEBUYERS - Home Affordable FL Housing Authority
Conventional Bond Program –
BEGINNING - January 15th,2014
Requirements:
·         Must be a first time homebuyer- not have owned property in the last 3 years
·         660 minimum FICO score
·         45% maximum Debt-to-income ratio
·         These loans will have Competitive interest rates
·         Minimum $1000 from the borrower into the transaction
·         Maximum 3% seller concessions (SELLER PAID CLOSING COSTS)
·         You will receive $10,000 in down-payment assistance in the form of a “soft” second mortgage at 0% with no payments required.  Goes to cover down payment and any closing costs or pre-paid items.
·         No co-signers permitted (no non-owner occupied co-signers to help qualify)
·         Maximum Income limits- family of 1-2 = $68,160 and family of >3 = $79,520 
·         Single family properties or PUD’s and townhomes only – no condos, mobile homes, etc.
·         Home-buyer education course required- Contact me for the list of facilities offering the 8 hour course required- face-to face class which is free.

Benefits
·         95% financing with $10,000 down payment assistance
·         No property eligibility requirements
·         Significantly reduced mortgage insurance compared to FHA- Example- FHA on a $100,000 purchase price would run $110.00/month, on this program with a 660 FICO score it would be $58/month and there is no Up- front Mortgage Insurance Premium as well.
·         No Doc stamps on the mortgage or intangible taxes required since it is a Bond program saving the buyer money off closing costs, and leaving more for the down payment.
·         Do not have to consider total household income - only the borrower, who is applying for the loan, qualifying income.

Hurry and get your class done so you will be ready to buy.
For more info www.DeeSmithSellsHomes.com or www.LandoLakesRealEstateAgent.com or 813-714-9737 My Cell.

First Time Homeowners, do you need to buy a home? I am very good at solving that problem.

Tuesday, February 25, 2014

GREAT NEWS FOR FIRST TIME HOMEBUYERS


 Home Affordable FL Housing Authority Conventional Bond Program – COMING - January 15th,2014      

 Requirements:
• Must be a first time homebuyer- not have owned property in the last 3 years
• 660 minimum FICO score
• 45% maximum Debt-to-income ratio
• These loans will have Competitive interest rates
• Minimum $1000 from the borrower into the transaction
• Maximum 3% seller concessions (SELLER PAID CLOSING COSTS)
• You will receive $10,000 in down-payment assistance in the form of a “soft” second mortgage at 0% with no payments required. Goes to cover down payment and any closing costs or pre-paid items.
• No co-signers permitted (no non-owner occupied co-signers to help qualify)
• Maximum Income limits- family of 1-2 = $68,160; more than 3 = $79,520.
• Single family properties or PUD’s and townhomes only – no condos, mobile homes, etc.
• Home-buyer education course required- Contact me for the list of facilities offering the 8 hour course required - face-to face class which is free.
Benefits:
• 95% financing with $10,000 down payment assistance
• No property eligibility requirements
• Significantly reduced mortgage insurance compared to FHA- Example- FHA on a $100,000 purchase price would run $110.00/month, on this program with a 660 FICO score it would be $58/month and there is no Up-front Mortgage Insurance Premium as well.
• No Doc stamps on the mortgage or intangible taxes required since it is a Bond program saving the buyer money off closing costs, and leaving more for the down payment.
• Do not have to consider total household income - only the borrower, who is applying for the loan, qualifying income.
Hurry and get your class done so you will be ready to buy.

For more info www.DeeSmithSellsHomes.com or www.LandoLakesRealEstateAgent.com or 813-714-9737 my cell.

First Time Homeowners, do you need to buy a home? I am good at solving that problem. 

Friday, January 31, 2014