Monthly Archives: March 2016

Home-buying ParametersThe price range maybe the major factor in buying a property but other parameters for home-buying also play a key role. Though budget limits the variety but that does not mean that one should compromise on choice. The main strictures that one keeps in mind are:

Location and Neighbourhood

The first criterion for anybody purchasing a new house is location. Be it the suburbs, the country side or the city, one should only decide after evaluation all the pros and cons. For example, the suburbs and the country side are less expensive. The property may have huge acres of beautiful land ideal for farm-houses. Since it is located by a small town, the livelihood is also simple. The negative is the long drives especially if the workplace is far off.

The city properties may be chic and stylish with the entertainment and workplace nearby; the urban lifestyle can prove to be hectic. Traffic jams and higher crime rates deter many.

Types of homes

The next factor that affects the decision is the type of home that one wants. From the expensive condos and penthouses, to the more convenient single family flats, the choices are limitless. While the urban condos and penthouses are expensive, they are usually situated in high security apartments and usually are maintenance free. The single family apartments are private and but requires more maintenance. The other factor that affects house buying is the level of the apartment. Some may prefer the ground level and some the duplex.

The specifications inside the house

Different people have different requirement for the interiors like the number of bedrooms and bathrooms, square footage and the bonus rooms etc. The number of rooms and bathrooms needed by the customer all play an equally important. Big families need more rooms and a couple will only need two room house or apartment.

The more number of rooms means more carpet area and hence more costly. However, the square feet rating also depends on the location of the property.

Garages

The garages add to the cost of the property. Garages become a liability when there are no prospects of buying a vehicle in the long term.

Other Facilities

The additional factors like nearness to the local school and hospitals also affect the price of the property. Plumbing, electrical, heating and cooling amenities conditions also determine the choice of the purchasers. Another thing that most new home buyers keep in mind is the repair expenses that they have to undertake after moving in. The maintenance of the house is another aspect that affects the prospective client’s decision.

A property should be purchased only after careful evaluation and only when it meets all the requirements. The Pure Residential Company believes in providing traditional services however, with a modern outlook. Estate agents of Norfolk, they make sure that every property receives the maximum exposure with their advanced marketing techniques. Ideal organisation for buying and selling of properties, Pure Lettings promises to deliver the best.

Best Moving CompanyIf you need to plan moving house there are a number of different options you could consider for actually moving your valuables. Each one has its upsides and downsides and so it's important that you take a little time to consider which one is right for you.

Let's take a look at the different options that you have available to you for your move.

Moving Companies That Do Everything For You

If money is no object then you could let the moving company handle everything for you. These high-end furniture moving companies will turn up at your house, pack everything and transport it all from your old house to your new one, you don't have to worry about a thing.

This is a great solution if you are tied up with work and don't have the time, or maybe the energy to pack everything yourself. The downside here is that this is by far the most expensive option and it's likely to be out of many people's budgets. If you can afford it though, and you don't want all the moving hassles yourself, then why not?

Eco-Friendly Moving Box Companies

These firms supply you with re-usable moving containers. Made from environmentally friendly materials, these boxes are delivered to your door in advance of your move. When the big day arrives they will transport all your belongings to your new home and then after you're unpacked they will pick the boxes back up again and re-use them for the home mover.

Move Only Companies

With a move only company you will need to supply all your own boxes and do all your own packing. This is a more cost-effective option and is likely to be the choice of most people.

Moving is always going to be an expensive experience though and you should get as many quotes from reputable firms as you can. While it's important to keep costs down where you can, the best moving company for you isn't necessarily going to be the cheapest. Their reliability and your peace of mind are important factors too.

Self-Move

It is possible to move everything yourself if you're feeling brave. This is most viable when you're just moving a short distance but even then it can bring considerable headaches. Although a self-move is likely to be more cost-effective, you should consider whether all that extra work is going to be worth it.

Relocating is stressful enough anyway, and trying to do every single thing yourself will only add to the stress. You will have to deal with getting hold of all the packing materials, packing everything up, hiring and driving a truck, loading and unloading along with all the administration tasks associated with moving home. It's doable, but it won't be easy, so the best of luck if you choose this option.

Best Time To Buy A House...is right now! Yes I am serious. And you should be too. The cost of real estate, low interest rates, and government incentives should make you very serious about buying a home. Include a little bit of excitement in the seriousness and you will be making a strong financial move. It is time to trade your rent payment for a mortgage payment? Does a mortgage payment sound too serious for you? It shouldn't, chances are the mortgage payment on a new home will be very close to the amount you are shelling out each month in rent for an apartment or house. And the last time I checked, the interest you pay on a mortgage is tax deductible. Your rent payments offer no tax benefits. That is not the only reason for buying house right now, I've got 3 more for you.

1. Buyer's Market- Due to the cyclical nature of real estate, either the seller or buyer will have an advantage, distinct or otherwise. As it is, a buyer of real estate in today's market has the distinct advantage. Home prices are as low as they have been in quite some time. Buying a home is about as affordable as it gets. Consequently, your housing payment may not change at all when paying on mortgage instead of doling out rent each month.

2. Low Interest Rates-Trust me folks, they have never been lower. Not in the last 20 years, of which I have spent 10 years in the mortgage business and monitored it very closely. As of August 15, 2011, national lenders have quoted a 3.965% APR 30 year fixed mortgage rate. That is a phenomenal rate. If you don't have a mortgage, get one. If you do have a mortgage, refinance. When? Right now.

3.First-Time Homebuyer Assistance-We all know that out of the mortgage banking crisis has come tougher restictions on getting a mortgage. The requirement of higer down payments and higher credit scores being two of those restrictions. Take a deep breath, that is not the case for first-time homebuyers. Don't have enough cash to make a 20% down payment? You don't have to. First-time homebuyers still have the advantage of using government backed FHA loans. These loans have not changed and require very little down, typically 3% of the purchase price. In addition, you can have less than perfect credit and still qualify for a FHA loan.

You may have asked yourself in the past, Can I get a mortgage? Or, Should I get a mortgage? Right now is the time to pull out your interest rate mortgage calculator. Chances are, the calculator display will say yes to both questions. You may have to turn it upside down, but it says yes.

St Lucie County Property AppraiserSo you are looking for a St Lucie county property appraiser. Buying, selling, or even re-financing a home can be a stressful task. In either one of these situations you will surely hear about the house needing an appraisal. In some cases you will select the appraisal company and in other you won't.

If you are buying or refinancing a property, the lender will select the appraiser for your property.

However, if you just needed an appraisal for personal reasons, then the process of selecting a qualified real estate appraiser will be left up to you.

Well before you make that phone call, there are a few things you should know.

Tips To Know Before Selecting Your St Lucie County Property Appraiser

Get references – When dealing with an investment as big as your house, be sure to take the time to get references from appraisal companies that you are contemplating hiring. If they are a respectable company they should not have a problem supplying this.

Find Out Their Rates – Before you go all in, be sure to discuss their rates before any work is done. I hear too often that a homeowner was caught off guard by the appraisal fees they were charged. Knowing this will give you a piece of mind going into the process.

Find an Appraiser from Your Area – In today’s economy, there are appraisers willing to drive hours in order to get the job. While they are not doing anything in doing this, it will better suit you to hire a real estate appraiser that is familiar with your area. The more they are familiar with your area, the better chance they have of providing you with an accurate appraisal.

Ask For a Copy of Their State License – All real estate appraisers have to be state certified, so asking them to see a copy of their license shouldn’t be a problem. This will just assure you that you are dealing with a qualified appraiser. If they will not supply you with this information, then maybe they are not the right company for you.

The above are just a few quick tips that will make your appraisal process go a bit smoother. Make a checklist of things to accomplish before you call your St Lucie county property appraiser as well as after.

Don’t worry, if you take the time to choose the right appraisal company for the job you will have nothing to worry about.

Good Luck!