Anne Hensel | Saint Petersburg Real Estate, St. Pete Beach Real Estate, Seminole Real Estate


Purchasing a home is a sign of new financial responsibility for many people. The leap into homeownership is a big and important step. Finding a home and securing a mortgage isn’t easy. Getting ready to take on a mortgage can require a lot of research and education on your part. Before you get too confused, you’ll need to learn the basics of a mortgage and what you should know before you apply. 


Be Prepared


This is probably the best advice for any first time homebuyer. Find some good lenders in your area. You can sit down with a lender and talk about your goals. The bank will be able to explain all of the costs and fees associated with buying a home ahead of time. This way, you’ll know exactly what to expect when you head into a purchase contract without any surprises. 


What’s Involved In A Loan? 


Each mortgage is a different situation. This is why meeting with a lender ahead of time is a good idea. Your real estate agent can suggest a mortgage lender if you don’t have one in mind. No one will be happier for you than your real estate agent if you have a smooth real estate transaction. You’ll be able to walk through the mortgage process step by step with a loan officer and understand the specifics of your own scenario.


What You’ll Need For A Mortgage


There’s a few things that you’ll need to have ready before you can even begin searching for a home. 


Cash For A Down Payment


You’ll need to save up a bit of cash before you know that you’re ready to buy a home. It’s recommended that you have at least 20 percent of the purchase price of a home to put down towards your loan initially.   



A Good Working Knowledge Of Personal Finances


You should have an understanding of your own finances in order to buy a home. Not only will this help you save, but it will help you to ensure that you’re not going to overextend yourself financially after you secure the mortgage. To get your finances in order, honestly record all of your monthly expenses and spending habits, so you know exactly what you can afford.   


The Price Range Of Homes You’re Interested In 


If you have an idea of what kind of home you’d like, it will make your entire house shopping experience a lot easier. You’ll be able to see exactly what you can afford and how much you need to save. When your wish list equates to half-million dollar homes, and you find that you can only afford around $300,000, you don’t need to go into shock! It’s good to have an idea of how much house you can afford and what it will get you. When you do a little homework, you’ll discover that buying a home isn’t such a hard process when you’re prepared!


Houseplants give any room a finishing touch and can even help purify the air in your home. Unfortunately, not everyone was blessed with a green thumb. Even if you’ve struggled to keep plants alive in the past armed with the tips below and some smart plant selections you too can have a home with a little greenery. Consider the light: When you buy a plant it will come with a label telling you how much sunlight it will require. However, the problem many people face is that they don’t know how many hours per day areas of their home receive light. Never fear! There is actually an easy way to figure this out and all you will need is a general sense of direction and/or a compass. This is because depending on which direction your windows face you will instantly know how much light a room is taking in throughout the day. A south facing window receives the most light and is perfect for plants who require lots of sunlight or for any plant in the winter time. East and west facing windows are ideal for most plants as they receive lots of sun in the morning and a steady stream for the rest of the day. North windows receive little to no direct sunlight, but can have bright light for most of the day. Choose wisely: Which plants you choose to bring home is just as important as how you will take care of them. Knowing the amount of light each room in your home receives ahead of time will allow you to find a plant that will thrive where you place it. You may also want to shop with a list of easiest plants to care for in mind. Some to consider are the: Spider plant, jade plant, snake plant, pothos, aloe, English ivy, succulents, and air plants Maintain Moisture: One of the top reasons plants don’t live long is that they have been overwatered. When picking out a pot for your plant ensure that it comes with drainage holes and a tray to catch water. Placing stones at the bottom of the pot before adding soil will also help prevent your plant from becoming over watered. You can check if a plant needs to be watered by pushing your finger into the soil to test the moistness of it. If it is dry about an inch down in the soil it’s time to water your plant. After watering check back in around half an hour to empty any excess water in the tray so that your plant is not left soaking. Extras for experts: Turn you plant every few weeks to encourage even growth and prevent a lopsided plant. Misting plant leaves every few days will help it stay green and fresh. If you want to move your plant to a different spot in a room avoid it going into shock by gradually moving it to the new location. When shopping for plants look for gardening soil that contains time released fertilizer and water retaining crystals to make plant care even easier. Caring for plants can be intimidating, especially if you have had little success in the past. However, with a few tricks up your sleeve you can keep a collection of greenery thriving in your home. Before you know it you will be a plant growing connoisseur in no time!

1475 COREY WAY S, SOUTH PASADENA, FL 33707  

$508,000
Price
$508,000
Sale Price
3
Bedrooms
2
Baths
LOOKING FOR CASH BACK UP OFFERS. Gorgeous 3-bedroom, 2-bathroom plus 2 bonus room home with open floor plan offers unparalleled pride in ownership and exceptional amenities! This waterfront, corner lot home is truly remarkable inside and out. Features include: double pane windows, hurricane shutters for every opening, plenty of natural lighting, private salt-water pool complimented by luxury pool decking (great for entertaining), bonus room with pool access, plus STUNNING views of the Intracoastal Waterway high demand area. Located right off Pasadena Blvd, local shopping and dining are just a few mins ride. Enjoy memorable sunset views with your friends and family while hosting in this inviting backyard. Come and take a look at this beauty….Don’t miss out!”



This listing recently sold for $508,000.

1475 COREY WAY S, SOUTH PASADENA, FL 33707  

$508,000
Price
$508,000
Sale Price
3
Bedrooms
2
Baths
LOOKING FOR CASH BACK UP OFFERS. Gorgeous 3-bedroom, 2-bathroom plus 2 bonus room home with open floor plan offers unparalleled pride in ownership and exceptional amenities! This waterfront, corner lot home is truly remarkable inside and out. Features include: double pane windows, hurricane shutters for every opening, plenty of natural lighting, private salt-water pool complimented by luxury pool decking (great for entertaining), bonus room with pool access, plus STUNNING views of the Intracoastal Waterway high demand area. Located right off Pasadena Blvd, local shopping and dining are just a few mins ride. Enjoy memorable sunset views with your friends and family while hosting in this inviting backyard. Come and take a look at this beauty….Don’t miss out!”


Let's face it – your home's exterior needs a serious makeover. Lucky for you, there are many quick, easy ways to transform your home's exterior before you add your residence to the real estate market.

Here are three tips to help home sellers revamp their home's exterior.

1. Choose the Right Color.

Painting your home's exterior serves as a fast, affordable way to enhance your house's curb appeal. However, you'll want to determine the right paint color before you embark on an exterior renovation project. By doing so, you can find a color that is both attractive and practical.

Your home's exterior should help your residence stand out for all the right reasons. Thus, you should try to find a color that complements your home's style. This will enable you to select a color that will draw homebuyers' interest immediately.

For example, using neon pink paint for the exterior of a mid-century modern ranch house may prove to be too dramatic. On the other hand, selecting warm or cool hues may boost your home's visual appeal and improve your chances of generating interest from a wide range of homebuyers.

2. Consider the Benefits of Using Multiple Paint Shades.

Your home's exterior will consist of three color components: the field color, accent color and trim color. Together, these colors can help you transform your ordinary residence into a stunning one, especially if you understand how to use multiple paint shades in conjunction with one another.

Selecting multiple shades from the same color palette may give your home a streamlined look and feel. Or, if you want to go bold with your home's exterior, you can always select vibrant colors for your home's trim or accent color.

Be careful not to choose contrasting shades as you evaluate your home exterior options. If you select colors that fail to complement one another, your home's exterior may become an eyesore. And in this scenario, your home's exterior could do more harm than good as you try to garner attention from homebuyers.

3. Select the Right Kind of Paint.

When it comes to painting your home's exterior, you'll need to choose between oil and latex varieties. Both oil and latex paints offer various advantages and disadvantages, so you'll want to conduct an in-depth evaluation of each type of paint to make the right selection for your home's exterior.

Oil paint typically provides exceptional durability and stain resistance, making it a great long-term option. Comparatively, latex paint usually dries faster than its oil counterpart and is easy to clean up with soap and water. If you devote the necessary time and resources to compare and contrast both types of paint, you're sure to make a great choice for your home's exterior.

Painting your home's exterior can be difficult, particularly for those who have never completed this task in the past. Therefore, if you ever have concerns or questions about painting your home's exterior, be sure to consult with a professional painter.

Spend some time revamping your home's exterior, and you can improve your chances of a quick home sale.




Loading