Tuesday, September 25, 2018

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!


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.


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.


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.


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.


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.


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.


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

Friday, September 21, 2018

How to help sell your own home

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

Tuesday, September 18, 2018


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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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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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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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

https://www.facebook.com/10213424196654220 https://www.twitter.com/TheGalliTeam http://https:://www.youtube.com/channel/UCaxKyrUrdTgUz_XZ7LohqHw