9283 Jaybird CIR E Jacksonville, FL 32257

Property Site: http://tour.circlepix.com/home/AACKTY/9283-Jaybird-CIR-E-Jacksonville-FL-968493

Great open floor plan, granite counter tops, new limited wood flooring, hard to find 6 Bed., 4 Bath., updated vanities in bathrooms. Air conditioned sun room. Move in ready

Bedrooms: 6

Bathrooms: 4

Square feet: 3,616

Price: $375,000

For more information about this property, please contact JENNI GALLI at 904-505-5619 or galliteam@comcast.net. You can also text 5370699 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 968493

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241 Port Charlotte DR Ponte Vedra, FL 32081

Property Site: http://tour.circlepix.com/home/VERX2L/241-Port-Charlotte-DR-Ponte-Vedra-FL-968495

Amazing, estate home on oversized lot, tucked off the main street in the trees. Home has an quite a majestic entrance with 2 story windows overlooking the pool and preserve. Even has an elevator to accommodate all needs. Downstairs has master, guest bedroom, office as well as the common living spaces. Upstairs has 4 bedrooms or 3 and a bonus plus a loft. Energy efficient with solar panels keep bills quite low. Huricane shutters, speakers outside.Multiple entertaining areas around the pool.

Bedrooms: 6

Bathrooms: 5

Square feet: 5,299

Price: $1,175,000

For more information about this property, please contact JENNI GALLI at 904-505-5619 or galliteam@comcast.net. You can also text 5370301 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 968495

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241 Port Charlotte DR Ponte Vedra, FL 32081

Property Site: http://tour.circlepix.com/home/X7JWLC/241-Port-Charlotte-DR-Ponte-Vedra-FL-966923

Amazing, estate home on oversized lot, tucked off the main street in the trees. Home has an quite a majestic entrance with 2 story windows overlooking the pool and preserve. Even has an elevator to accommodate all needs. Downstairs has master, guest bedroom, office as well as the common living spaces. Upstairs has 4 bedrooms or 3 and a bonus plus a loft. Energy efficient with solar panels keep bills quite low. Huricane shutters, speakers outside.Multiple entertaining areas around the pool.

Bedrooms: 6

Bathrooms: 5

Square feet: 5,299

Price: $1,175,000

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5363306 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 966923

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9283 Jaybird CIR E Jacksonville, FL 32257

Property Site: http://tour.circlepix.com/home/JVFVDE/9283-Jaybird-CIR-E-Jacksonville-FL-965857

Great open floor plan, granite counter tops, new limited wood flooring, hard to find 6 Bed., 4 Bath., updated vanities in bathrooms. Air conditioned sun room. Move in ready

Bedrooms: 6

Bathrooms: 4

Square feet: 3,616

Price: $375,000

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5363305 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 965857

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3005 S Ponte Vedra BLVD Ponte Vedra Beach, FL 32082

Property Site: http://tour.circlepix.com/home/VWMPLU/3005-S-Ponte-Vedra-BLVD-Ponte-Vedra-Beach-FL-968034

Wow! What an amazing short term or vacation rental. Views from the minute you walk in the door. Fully rennovated and updated with spa like colors. Fully furnished with everything you may need. Expansive decking gives you so many options! Large main deck for entertaining, raised upper deck for star gazing, covered lower deck for shade and hammock, walk way to beach with bench for viewing amazing scenery. This 3 bed/ 2 bath home sleeps 8 and is a short term rental with 3 day minimum. Cleaning fee and other fees apply. See www.wrenbeachrentals.com for more details. $2,200 per week rental rate.

Bedrooms: 3

Bathrooms: 2

Square feet: 1,800

Price: $2,200

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5359384 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 968034

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246 Tavernier DR Ponte Vedra, FL 32081

Property Site: http://tour.circlepix.com/home/T3HK98/246-Tavernier-DR-Ponte-Vedra-FL-966176

Enjoy the Nocatee lifestyle in Lakeside, a coastal inspired neighborhood located close to shops, restaurants, fitness center and amenities including Splash Park. Mattamys Kendall Seaside plan offers perfect flow with 4 bedrooms, 3.5 baths plus flex room and loft. This home shows like a model with upgrades galore: wood tile throughout the main floor, crown molding and extra wide baseboards, wood stairs to the second floor. The kitchen upgrades include under lit 42 cabinets w/crown molding, subway tile backsplash, beautiful quartz counters & huge island with storage on both sides. A butlers pantry houses additional cabinets and wine fridge. The beautiful, open living room has disappearing sliding glass doors to the screened lanai, paver patio & huge fenced yard. 3 car tandem garage.

Bedrooms: 4

Bathrooms: 4

Square feet: 2,781

Price: $434,900

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5344142 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 966176

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5921 Tavernier ST Jacksonville, FL 32258

Property Site: http://tour.circlepix.com/home/TN7UHA/5921-Tavernier-ST-Jacksonville-FL-963638

Great open floor plan 3 br 2.5 ba townhome with lots of upgrades! Upgrades include: tile floors throughout the downstairs, large breakfast bar in the kitchen, open to the spacious family room, solid surface counter tops and a huge pantry. This move-in ready home is convenient to the beach, shopping, restaurants, Baptist South hospital, I-95 and 9B. Additionally, the home has a large patio overlooking a private backyard with preserve view and a rare two car garage! Flagler Station subdivision is a gated community with lots of amenities, including a pool/spa, clubhouse, exercise room, walking trails. NO CDD fees! The Homeowners Association fees cover roof, maintenance, exterior painting, exterior lawn service & pest control.

Bedrooms: 3

Bathrooms: 3

Square feet: 2,031

Price: $235,000

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5334201 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 963638

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3055 Waters View CIR Orange Park, FL 32073

Property Site: http://tour.circlepix.com/home/BETPSQ/3055-Waters-View-CIR-Orange-Park-FL-964271

Great place to call home. 3 bedroom and 2 full baths, eat-in-kitchen with breakfast bar and stainless steel appliances. Great room has wood burning fireplace.

Bedrooms: 3

Bathrooms: 2

Square feet: 1,362

Price: $169,900

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5330427 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 964271

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861 Thoroughbred DR Orange Park, FL 32065

Property Site: http://tour.circlepix.com/home/83FHAG/861-Thoroughbred-DR-Orange-Park-FL-963893

Spectacular large 4 bedroom, 3 bath home in Oakleaf Plantation at the end of a cul-de-sac. Beautiful courtyard entrance complete with waterfall koi pond.Hardwood floors, a wall of windows and tiled fireplace. Large master bedroom has walk in closets and double vanity and inviting garden tub in master bathroom. One of the best features is the detached 4th bedroom plus living room with private entrance and private bath. Huge screened lanai. Fenced in yard, large 2 car garage, includes washer and dryer. Lots of upgrades and updates make this home a must see!. Walking distance to pool.

Bedrooms: 4

Bathrooms: 3

Square feet: 2,646

Price: $300,000

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5322215 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 963893

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Congratulations you bought a new home!

Did you buy a new home recently? If so, Congratulations on your new home! Here are some tips for setting up and settling in for you and your family.

1. Pack your necessities in one place. Keep important documents and necessary items packed in one place separate from the rest of your things to ensure they stay safe and accessible in the transition.
   
2. Change your address. The United States Postal Service allows you to change your address easily on their website. Don’t forget to also change it with your bank, auto insurance company and voter registration.
   
3. Get the basic moving supplies. Purchase a basic toolbox and stock up on cleaning supplies to make any quick fixes before you unpack.
   
4. Set up utility services. Contact your cable and utility providers to set up service at your new address.
   
4. Learn the neighborhood routine. Check the trash and recycling schedule for your new neighborhood. Review any Homeowners’ Association (HOA) guidelines to familiarize yourself with your new routine.
   
5. Unpack the kids first. Start with your kids’ rooms so they have something familiar to help them acclimate to their new home. They’ll also have things to do when you unpack the rest of the house.
   
6. Meet the neighbors. Introduce your family to the folks in your neighborhood. Bring a fun treat, like cookies, to leave a good impression.
   
7. Celebrate! Give yourself some time to relax after unpacking — then throw a party! Housewarming gifts and familiar faces will make your new house feel like home.

Multiple offers! Yikes!

HOW TO HANDLE A BIDDING WAR

So you have found the home of your dreams, it has all the features you want, and it is in the right neighborhood. Even the price is right, but suddenly you find yourself in a bidding war with one or more people who also think this is the perfect home. 

This can be a stressful and sometimes even heartbreaking experience, but what knowledge should you arm yourself with before entering a bidding war with other potential buyers? 

Here are a few important tips to remember in order to get the house of your dreams without breaking the budget.

KNOW YOUR BUDGET

Having a good idea of what you can afford and knowing your target price can really prevent you from making a bid that you may ultimately not be able to honor.  The best way to do this is to get pre-approved for a mortgage before you begin house hunting.  That way you will be certain of what you can afford, and if you do find that perfect house you will be able to move quickly to make the purchase.

KNOW ITS VALUE

While the home for which you are involved in a bidding war may be the house of your dreams, paying considerably more for it than it is worth is never a wise choice.  To avoid getting yourself into this situation, do your homework before making an offer.  Look at the value of similar homes in the area, and contact a real estate agent or expert to determine the fair value.

KNOW WHAT YOU'RE PAYING FOR

Getting the results of a home inspection, determining what features actually come with the house, and knowing how much you will have to spend to get it in livable condition will give you a clearer picture of what you are paying for, what comes with the house, and what your budget can hold.

BID SMART

The fears in any bidding war are that your bid will not be the highest, or that the bidding will keep raising the price higher and higher. 

To prevent this from happening your best approach in any bidding war is to bid right the first time.  If you are prepared to bid, making your best offer first time around will prevent your bid from being rejected due to another higher offer.  Bidding odd amounts can sometimes make the difference between your bid or another being the highest.

In general, being caught in a bidding war for a home you really want is always a stressful situation, but armed with these few tips you can end up with the house you want at the price you are prepared to pay.

Help, my home isn't selling!

You put your home up for sale and it simply didn't sell. Undoubtedly, this has created a lot of stress, inconvenience and anxiety for you and your family.

Perhaps you already bought another home. Maybe you needed this home sold because of a job change. Regardless of the reason, it's certainly a burden! What Should You Do?

The first thing to do is to take a step back and analyze the situation. Try to assess what factors led to your home not selling. In the next couple of days, I'll outline four reasons why homes tend to sit on the market. Here is the first one:

IS THE PROPERTY OVERPRICED?

Overpricing your property is usually the number one reason it did not sell. Assuming your neighborhood or area has homes with similar features (number of bedrooms and baths, lot size, etc.) on the market for a lower price, buyers will naturally buy those properties first.

The price of your property should be competitively priced with these other homes. That means if you want to sell your home, price the home at or slightly below the comparables. Your real estate agent will help you establish the best price based on the competition. Again, pricing your property above comparable properties can easily cause it to languish.

Another problem with pricing higher than competitive properties is the price reductions.

Most homeowners will reduce the price once they realize their home is priced higher than the competition. When your real estate agent enters the price reduction in the MLS® System, the property is probably at or near where it should have been priced in the first place.

The problem now is you missed a lot of the buyers the first round that bought comparable homes for the same price you have just reduced your home to.

To overcome this situation, you are going to have to make sure your new, reduced price is extremely competitive.

If your price reduction still leaves the asking price of your home higher than any comparables, your home will probably continue to languish. Your real estate agent will help you assess the competition and help you establish an asking price that will get the home sold.

Meet Team leader Jenni Galli, 904-505-5619

Call me today.  I'm looking forward to helping you sell or buy a home.  Successful Realtor since Aug. 2006. 

How to own your home faster

Paying off your mortgage is one of the biggest financial goals of most homeowners, and retiring debt-free can certainly give your golden years a greater sense of financial freedom and stability. 

Whether you're nearing retirement age or are just looking to reduce your largest debt load more quickly, here are some great tips for paying off your mortgage faster!

PRINCIPAL VS INTEREST

Essentially, to pay off your mortgage you have to reduce the principal owing on your property.  There are really two ways you can do this without dramatically reducing your monthly budget.

INCREASE YOUR MONTHLY PAYMENTS

Even increasing your monthly payments by a small amount can take years off the life of your mortgage.  You can also choose an accelerated plan whereby you can make weekly or biweekly payments rather than monthly.  This will allow you to make a few extra payments each year. 

Combining these efforts can really have a surprising effect on the principal of your mortgage over a short period of time.  There are a number of free online calculators that can help you figure out the exact numbers for your particular situation.

REDUCE YOUR INTEREST RATE

If increasing your monthly payments is not an option, you can still pay off your mortgage faster by refinancing your mortgage to negotiate a lower rate. 

Keep your eye on the financial markets to gauge the best time to make this move, and seek out the advice of a REALTOR® or financial advisor to confirm that this is a viable option for your current financial situation.  If you have a good history of payment and an excellent credit score, finding a lender shouldn't be a problem.

MAKE A LUMP SUM PAYMENT ON YOUR MORTGAGE

Another way you can decrease your mortgage principal and pay off your mortgage faster is by making a large lump sum payment.  If you have come into extra money, have received a large income tax return, or just have a considerable amount of savings, this may be a wise financial decision. 

It will also dramatically decrease the amount of interest you will pay over the life of your mortgage and thus save you money.  Just be sure your mortgage does not include a clause that will penalize you, and then determine whether it is still a good choice before going ahead.

The satisfaction a homeowner feels when they make that last mortgage payment is really unmatched by any other financial achievement, and following these simple steps can more quickly make that dream a reality.

Challenges of selling your home with kids

Selling a home is stressful for everyone, and having young children in the house can add to the stress for the parents.  Let's face it-kids have a way of making a mess in a hurry and leaving it behind for someone else to deal with.  They are also problematic in other ways when it comes to selling your house.

Of course, you can't ask your kids to move out while you sell-but you can find some smart solutions to the difficulties of selling a home in which children are living.

LOWER THE CLUTTER QUOTIENT

During the home selling process, pack up some of your kids' excess toys and other items and put them in storage.  Let them help pick which items will stay out, and if the sale process goes on for a while let them trade a few items now and then.  Removing a portion of the clutter that comes with kids will make it a lot easier to keep the house clean and ready to show, preventing the stress of trying to clean up a mess of toys when people are on their way to see the house.

SET UP A SHOWING PLAN

Whenever possible, you should try to show the home when your children are not there.  They can be a major distraction to potential buyers and may say or do things that could cause you some embarrassment or put the buyer off.  Try to set up showings while your children are at school or extracurricular activities.  If you have to do a showing when they are normally home, enlist help.  Ask a friend or family member if they would mind having the kids over for a while, or even just taking them for a walk while the house is being shown.

KID FRIENDLY, BUT NOT TOO KID FRIENDLY

For some buyers, a home that is set up for kids is a plus; for other buyers it might cause them to see the house in a different light and pass on it.  Try to keep the kids' items contained to one space, and reduce the number of kid-friendly features such as high chairs or potty stools that buyers might not want to walk around when they see the house.  Some things can be moved just before a showing if you need them every day, but others should be removed entirely during the selling process.

Your kids are a big part of your life, and it's their home, too-but bear in mind that buyers sometimes have trouble seeing past clutter and too much kid stuff.  Keep it as clean as possible, while still livable for the whole family.

Understanding Foreclosures

In today's market many foreclosed properties are being offered at auction. In fact, you will occasionally see them listed or advertised in your local paper. They may say "home for sale by auction" or "estate sale."

While there are deals to be made, this tactic can also backfire if you haven't properly prepared. Know the area where your potential properties are located.  Check out what other properties in the area have sold for.  Find out if any zoning changes have been approved in the area.

Make sure you research every property you're interested in as far as what's owed.  Is there more than one mortgage, any other liens against the property, what about property taxes, are they up to date? Make sure you've inspected the subject properties.  You don't want to end up having to spend tens of thousands of dollars on repairs once you've become the proud new owner.

Have a set price you will pay, and walk away if the bidding goes over that price.  Auctions are notorious for the bidding frenzy that takes place.

You need to have financing in place.  Most auctions expect the full purchase price to be paid within thirty days.  Auctions can and are, cancelled at the last minute.  Make sure you call the auction house the day before and the day of the auction to make sure it's still on.

Did you notice I've always mentioned 'properties' not just one property?  That's because at an auction, there's a good chance you'll be outbid by someone else.  Having more than one property on your list of prospects will keep you from thinking that you MUST get a specific property.

The above are just tips, but you really shouldn't go it alone.

Contact a licensed real estate agent, who's been through the process many times.  They'd be happy to be your guide from beginning to end, and help set up property inspections, discussions with contractors, and review the areas where you're looking to purchase.  Give the Galli team a call if you want to be more informed about foreclosures and have us help you get one of them.  9044697828

How to help sell your own home

SELLING - CLASSIFIED AD COPY

When you are looking to sell your home, writing a catchy ad can be the best way to get the word out about the details of your home.

Whether your ad will be running in your local newspaper or on the Internet, or both, here are a few steps to writing an ad that will get attention.

Start with a great headline. What is your home's best feature? Feature that in a catchy headline.

Try to keep your description as brief as possible. Concentrate on the aspects of your home that make it stand out. New landscaping? Fenced backyard? New kitchen?

Focus on the best features first. Include the number of bedrooms and baths and the amount of square footage. It's a good idea to include information about the size of your garage as well. Don't try to include everything - just the highlights.

Don't exaggerate details or try to cover up flaws with flowery words. Avoid generic sounding sale lingo that could turn off a prospective buyer and make you sound desperate. Close with your address and price and how buyers can contact you to see the home.

If you have a website that features photos of the house or property, add that link to the ad. If you are concerned about privacy, you can set up a free temporary email account just for the purpose of your home listing.

Be sure to proofread your ad, looking for typos or grammatical errors. Try reading the ad out loud to see how it sounds. Ask a friend or family member who knows your home for an objective opinion on the ad. The ad should be concise, but contain enough information to draw interest from potential buyers.

If writing a classified ad is one thing you would rather not worry about, feel free to give a Realtor a call. A Realtor will be happy to help you sell your home quickly and for top dollar.

If you find it too hard and difficult to sell your  home feel free to call me, Jenni Galli, Realtor, for tips & advice with no obligation. 904-505-5619

2307 BRIDGEWATER CT FLEMING ISLAND, FL 32003

Property Site: http://tour.circlepix.com/home/8HD8XT/2307-BRIDGEWATER-CT-FLEMING-ISLAND-FL-948068

Great 5 bedroom home with a fantastic pool area, located in desirable Eagle Harbor. This beautiful home is on a big corner lot with views of the lagoon. Many upgrades including hard wood floors, granite counters, new major appliances, updated master bathroom, a gourmet kitchen with breakfast bar overlooking spacious family room. Outside, relax in your screened in pool. New roof to be included. Additionally, location is close to the Eagle Harbor amenities.

Bedrooms: 5

Bathrooms: 4

Square feet: 2,677

Price: $385,000

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5177320 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 948068

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389 CLEARWATER DR PONTE VEDRA BEACH, FL 32082

Property Site: http://tour.circlepix.com/home/GM3RAT/389-CLEARWATER-DR-PONTE-VEDRA-BEACH-FL-940234

Spectacular pool home with an amazing view of the water. Enter into the grand entry and take in serene views of the pool from the picture windows. A large dining room and living room are ready for your guests. The Kitchen has had a major remodel with gorgeous granite, light cabinets, a huge island and large breakfast nook. There's plenty of space in the family room to kick back after a full day. The 1st floor also has an office/bedroom with it's own bathroom. The owner's suite has a sitting area and an amazing double tray ceiling. Pamper yourself in the large bath with luxurious tub. Across the house are two bedrooms and hall bath. Upstairs, you will find 2 bonus rooms or 2 large bedrooms, each with a closet and bathroom. Fenced yard, pool and plenty of room for outdoor fun. 3 car garage.

Bedrooms: 6

Bathrooms: 5

Square feet: 4,247

Price: $875,000

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5078488 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 940234

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2030 MEDINAH LN GREEN COVE SPRINGS, FL 32043

Property Site: http://tour.circlepix.com/home/NPW24R/2030-MEDINAH-LN-GREEN-COVE-SPRINGS-FL-938560

Great upgraded 5 bedroom 4 bath home with views of the water! Home features beautiful granite counters in the kitchen 42'' cabinets, and spacious breakfast bar open to the large family room. Views of the water everywhere! Beautiful laminate wood floors in most common areas. Formal dining room, living room and an office with closet or 5th bedroom. Gorgeous master bedroom with sitting area overlooking water. Upstairs is a huge bonus room or bedroom with bath and closet. Ready for quick move in.

Bedrooms: 5

Bathrooms: 4

Square feet: 2,858

Price: $309,900

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5078453 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 938560

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2364 STONEY GLEN DR FLEMING ISLAND, FL 32003

Property Site: http://tour.circlepix.com/home/UQESEU/2364-STONEY-GLEN-DR-FLEMING-ISLAND-FL-933870

This 5 bedroom 4 bath home is located on the golf course with amazing backyard views from it's large screened lanai. The kitchen boasts stainless steel appliances, a prep island and tons of cabinet space. The breakfast bar overlooks the large family room with views from every window. In the owner's suite, relax in the sitting area overlooking the lush backyard. Soak in a large Jacuzzi tub in your spacious owners bath. Office could be 6th bedroom. Upstairs separate living quarters, with a bedroom, bathroom and large living space with room for a kitchen. Bonus room has direct access to the garage making it the perfect in-law, guest suite or private recreational space. It is newly painted, carpeted and move in ready.

Bedrooms: 5

Bathrooms: 4

Square feet: 3,890

Price: $439,900

For more information about this property, please contact JENNI GALLI at 904-469-7828 or galliteam@comcast.net. You can also text 5078416 to 67299 (Message and Data Rates May Apply, see terms and privacy policy).

See more listings at: http://www.gowithgalli.com/home.asp

MLS ID: 933870

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The mystery of refinancing

REFINANCING INFO.....

DISPELLING REFINANCING MYTHS

“Refinancing” is a scary word for many people, but that shouldn’t be the case for you.

For many homeowners, refinancing can not only lower your monthly payments and help with your monthly budget, but it can save you thousands of dollars in the long run.

YOU’RE NOT TOO LATE.

For years now, we’ve been hearing that interest rates will be on the rise, and although there have been some small increases, you’re still in a great position to drastically lower your interest rate.

The general rule is if your mortgage interest rate is more than one percent above the current market rate, you should consider refinancing.

IT’S NOT TOO TIME CONSUMING.

Don’t brush off refinancing just because it seems like a long and daunting process. An informational call with a lender to see how rates compare will only take a few minutes.

There are also some programs for streamlining the application process. And besides, isn’t the amount of money you could save worth the time and effort?

ARMS CAN BE REFINANCED, TOO.

Seeing your Adjustable Rate Mortgage (ARM) increase after the introductory period can be incredibly stressful and place a squeeze on your budget. Many people assume they’re stuck, but ARMs can be refinanced, just like fixed-rate mortgages.

You can even switch to a shorter term fixed-rate mortgage, such as 15 or 23 years. The longer you’re planning to stay in the home, the more sense it makes to look into refinancing.

12 Things buyers won't like about your home....

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The Home Inspection

Home inspection is an important part of the home sale process, both for buyers and sellers. When it’s time for you to hire an inspector, here are five things you should be thinking about:

1. It’s your choice: You are not bound or obligated to use any particular inspector. Your real estate professional may have some recommendations, but it’s ultimately up to you. Ask around and choose wisely—better to pay a little more now for a highly-respected inspector than to be surprised by a problem that the inspection didn’t reveal.

2. Looking for big problems: The inspector will be focused on the integrity of the home—safety, electrical work, foundation, load-bearing walls, etc. The inspector is not there to point out problems with ugly paint colors or light fixtures.

3. The report: There are hundreds of items to inspect in a home, so the inspector’s report will focus on the basics: What’s damaged, what needs repaired, etc. The report should be easy to read and understand.

4. Code of ethics: Though the inspector is working for the party that pays the inspector’s fee, the inspector will not deliver a report that intentionally hides or omits damaging information about the home. The report is private between you and the inspector, but if you’re the seller, you’re required to disclose any problems that the inspection reveals.

5. The inspector is not liable: Even the best inspectors can’t find every single problem in a home. They can’t see inside the walls or through the floors, so there could still be problems lurking. If a problem is revealed down the road, the inspector can’t be held responsible.

READY TO START THE HOME SEARCH PROCESS?

In a sellers market, homes - especially the ones that are well priced - disappear just as quickly as they appear on the MLS. As markets heat up across the country, buyers should know that the first to the table doesn’t always come out the winner. Here are a few tips to make sure your offer gets noticed.

KEEP IT SIMPLE: Sellers today want the sale to be void of too many complicated contingencies. Of course, that doesn’t mean you should give up on things that are important to you as a buyer. Rather, make sure your offer is reasonable and doesn’t put too much weight on small issues that would distract the seller from what is otherwise a reasonable offer.

GO HIGH ON THE DOWN PAYMENT: Before you make an offer, contact a local mortgage broker - preferably one who has worked with your agent before - to get pre-approved for a loan. Once you know how much financing you’ve secured, you’ll be able to estimate how much you can put down on a home. And the larger the down payment, the stronger the offer.

BE A KNOW IT ALL: In the best way possible.  Typically, listings have a disclosure package which details listing price, inspection reports, seller disclosures and other items that can influence the offer. Have your agent review the disclosure package so that together, you can develop an offer that meets both yours and the seller's needs.

COME IN WITH CASH: Not everyone will be able to purchase a house with cash alone. But if you can, you should. Sellers prefer cash offers because they take the risk out of the home not appraising or the loan falling through.

WRITE A LOVE LETTER: Writing a personal letter to the seller is a new trend that has emerged over the years. And it’s proving effective. Explain what attracts you to the home, what you love about the neighborhood and how you hope to make their home your new humble abode. It’s an especially helpful tactic if you can find commonalities between you and seller.