Arona McGinley | Charles Rutenberg Realty | RealEstateBitz.com
Every day we have families moving to Clearwater, FL! Clearwater is one of those places that is perfect for families with children, seniors looking to relax and enjoy the perfect weather or a great golf day. When you move to Clearwater, Fl plan on getting rid of the snow boots and heavy winter jackets. Time to stock up on lots of bathing suits, shorts, and sleeveless tees. Whatever the reason it’s definitely one of the best places to live in Florida.
Clearwater Florida has excellent schools, there is so much history and I can’t forget to add Winter the Dolphin at the Clearwater Marine Aquarium. Clearwater, FL supports over 50,000 local jobs and has been growing every year. If you’re looking for that beach vibe with a slower pace of life then this is the place for you. Check out our downtown and enjoy the museums, great restaurants, and perfect weather. Should you be moving to Clearwater, or are thinking of moving to Clearwater, Fl please feel free to contact me with any questions you may have about this beautiful city. I am always happy to help!
If you reading this you must be thinking of moving to St. Petersburg, Florida and you may be wondering why people are loving St. Petersburg. This year, St. Beach has been rated the top beach in the United States and was also rated fifth in the world.
St. Petersburg, Fl has a great deal to offer if you’re looking for a place with a diverse culture, great restaurants, top-rated beaches, nightlife, great schools, historical sites, the University of South Florida (St. Pete Campus), and great neighborhoods to live in.
Downtown St. Petersburg, Fl
Downtown St. Petersburg is buzzing all day and night. You can visit great museums such as The Dali Museum, The Museum of Fine Arts and Chihuly Collections of stunning glasswork. Check out the St. Pete Pier for fun things happening for both adults and kids. Dine at waterfront restaurants or just enjoy a fun beach day with the family. On a bright sunny day, you can browse the local Saturday Morning Market and buy organic produce, food made by the locals as well as arts and crafts. Check out our beautiful downtown on foot. Park your car and walk or use the Looper trolley which runs seven days a week. There is so much to see and do at downtown St. Pete.
Beaches St. Petersburg, Fl
Are you ready for some fantastic Beaches? As I said has been rated the top beach in the United States. Our beaches are casual and perfect for laying out. If you want some activity we’ve got plenty of that too: Check out windsurfing, boating, dolphin watching, sandcastles and so much more. While you are in St. Petersburg check out the historical Don CeSar resort where you can dine, get some drinks at the bar, have an ice cream cone with the kids. There is so much for everyone.
Are you a sports fanatic? St. Petersburg is home to the Tampa Bay Rays baseball at Tropicana Field and the Tampa Bay Rowdies at Al Lang Stadium. You can also check out the Firestone Grand Prix of St. Petersburg. This takes place on the waterfront street course in downtown St. Petersburg. It’s a week-long of activities and has fun for the whole family, live entertainment, and interactive activities for the kids.
Colleges and Universities
The University of Florida has a campus located in St. Petersburg, Fl. This campus has on-campus student housing. This campus is located on the water and on some days you can see dolphins playing in the water. This campus is close to downtown and is a great place for students to live. Students are close to shops and restaurants as well a great beaches and parks.
There is such a diverse makeup of people in the St. Petersburg area. You can see that through the diversity of the food and restaurants that are available. From mom-and-pop restaurants to food trucks and top dining waterfront restaurants there is something for everyone. Take a walk downtown St. Petersburg and see the mix of people enjoying each other although they come from all walks of life. This is a place where all cultures come together for some fun in the sun.
If you are ready to make the move to St. Petersburg Florida we welcome you. There is so much to do for the retirees, for the students, and for the families with kids. I cannot think of a more perfect place to to live.
If you need more information check out www.RealEstateBitz.com.
Buying real estate in Florida is a great investment. Not only is it a place where everyone wants to vacation. Florida has beautiful weather, that low key lifestyle, lots of attractions for the whole family.
Another attraction is Florida has no income tax.
In Florida, we have had a lot of real estate development, and that’s great for investment buyers because the prices of homes are still reasonable.
We have a strong demand for rental properties, condos, single-family homes. We have vacationers looking for options to rent besides staying at hotels.
What are some good places to buy investment properties in Florida?
Some great places to buy an investment property in Florida are Tampa, St. Pete Beach, Treasure Island, Madeira Beach, Kenneth City, Seminole, Largo, Clearwater, Palm Harbor, Safety Harbor, Belleair, Dunedin, and Orlando.
If you are looking to invest contact us for some great investment properties.
Here are a few tips for home buyers that are shopping for houses. How to narrow down your search.
What do you need in a Home?
What do you want in a Home?
Before you even start shopping think about what you actually need in the home for you and your family. There is a huge difference in what you want compared to what you need. If you work from home all the time you may need a home office. If you work from home once a week you can also say I need a home office. Is a home office really necessary if you only work once a week from home? The bigger the home, the more expensive, so it helps to break down needs versus wants.
2. Be realistic about your finances
Look at your finances, determine what you can afford to spend monthly for your mortgage. Do you have money for a down payment? Do you have money for escrow? This will determine what price range of homes you can afford.
3. Talk to Lenders, get pre-approved.
This is a letter from a lender that you give to the sellers to show that you are serious about buying their home. It says that the lender is committed to lending you this much to purchase their home.
Once you determine that you are ready to be a homeowner talk with a Realtor about market conditions. This is one of the biggest investments don’t just wing it.
Your offer has been accepted to purchase your dream home, and now you have to set up an inspection to make sure the home is in good condition.
When buying a home, you will have to get a home inspection if you’re getting a mortgage and even if you are purchasing with cash. You want to have a home inspection done no matter what the situation. By having a 4-point inspection done, it lets the bank or the homeowners know the quality of the home that they are purchasing.
A 4-point home inspection includes
Damages caused by termites, flood, fire, and mold.
Any of the above can impact the value of your home. If a home inspection is not done, and later you find out that the foundation is cracked or the roof is rotted, this can be a costly fix for the buyer.
Once something is revealed in the home inspection you can negotiate with the seller for a lower asking price.
Buying a home can be the most exciting time for you and your family. But don’t lose out on the home of your dreams by doing this alone. This is one of the biggest financial transactions of your life, and I want to help you by making this experience less stressful.
As you go through the process you may have questions on –
Downpayment – How much is required as a downpayment of a home?
How do I get a Mortgage for this home?
How do I complete the Mortgage application?
Do I have enough money saved up to buy this home?
Do I have a good credit score?
How do I write up an offer on my dream home?
How do I negotiate to get the best price?
How do I submit an offer on my dream home?
What do I do when the Seller accepts my offer?
How do I get the home inspected?
How do I negotiate repairs?
How do I get a title search?
How do I get a survey?
What are my closing costs?
There are so many things to think about when buying your home. Don’t go through this alone. Call/Text 727-422-9340 I can help you buy the dream home for you and your family.
Are you thinking of buying a second home or an investment home?
Why Should you Invest In Florida?
Florida is listed as the number one vacation destination. If you have extra cash this would be a great place to invest in a second home or even a home that you can rent out and make some extra cash.
There are many reasons that Florida is so attractive
The lifestyle of Florida is an attraction to people living up north. You can enjoy outdoor activities all year round, and even hang out at the beach in December.
Waterfront properties are accessible to buyers looking for that water view. You can invest in condos, townhouses, and single-family homes. This is something that can be an advantage if you decide to rent out your home to vacation goers. There is a strong demand for rentals close to the water.
Florida is a very popular vacation destination. Whether you are vacationing with your family or you’re single, there is something for everyone here. Buying a home and renting it out when you’re not using it, can give you some extra income. There are many property management companies that can take care of all the day to day services for a very reasonable fee.
Here in Florida property taxes is slightly lower than many other states. This depends on what county or city you may decide to purchase your home.
Finding The Right Property in Florida
When considering to purchase your home you will first have to consider what is your intention or the purpose of this home. If you are a snowbird then you will be using your Florida home during the winter months, and you can rent it out during the summer to friends, family or vacation goers. Are you planning on using a maintenance company to oversee everything? Is the income from the rental important, for example, will it be helping to pay the mortgage. These are things you will want to consider if you plan on using your home as a rental.
Some counties and cities have certain rental restrictions. Consider these rental restrictions when searching for an investment property. Some areas have restrictions such as rental agreements that can be no less than 30 days. These restrictions can affect how much rental income you can earn.
If this is an investment property you want to consider a location that is attractive to vacation goers. Think about getting something about 15 mins from the beach or close to popular entertainment districts. Your rental will generate more income if it’s in a popular location with vacation goers.
Make a list of all your must-haves when searching for your property. Don’t rush into something that you may not be happy with in the future. Ask lots of questions and take notes. If you need help with finding your property I am available to help you with buying or selling your property. Contact Arona at 727-422-9340.
You are ready to buy your home – Are your finances in order?
Advertising your home to sell, buyers in pinells county, buyers in tampa bay florida, buyers market, buying real estate, buying your home, Clearwater, Florida, property search in florida, real estate
Have a talk with your bank / lender and get one of these.
1. Pre-Qualification Letter
2. Pre-Approval Letter
3. Loan Commitment
Talking to your bank/lender gives you an idea of how much house you can actually afford. Once you start looking for your home you don’t want to waste time on looking at homes that you cannot afford. It can be very emotional when you’ve found your dream home then you find out you cannot afford it. By talking to your lender you can get advice from a professional as to whether or not you qualify for any home buyer programs or loans.
What is a Pre-Qualification Letter?
A pre-qualification letter says what’s the maximum a buyer can pay for a home. However, it relies only on truthful but non-verified verification. This is an informal estimate and the information can be done by telephone, email, online or in person.
What is a Pre-Approval Letter?
A pre-approval letter provides documentation of exactly how much mortgage the borrower have been approved to borrow. This is based on the borrowers income, assets, debts and credit. This is more detailed than a pre-qualification letter and it involves verification of data and underwriting. A pre-approval letter can make a big difference for home buyers, it shows the sellers that you are very serious about buying their home.
What is a Loan Commitment?
This is when the buyer does full on loan application and this can be completed in person or by mail. The lender will need the borrower’s income, assets, debts and all credit is considered. The bank will need verification of employment, bank statements and verification of deposits and any other form of income or debts the borrower may claim to have.