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Why you should get an Inspection

Whether you are buying or selling a home, you should have a professional home inspection performed.

A home inspection will look at the systems that make up the building such as:

  • Structural elements, foundation, framing etc
  • Plumbing systems
  • Roofing
  • Electrical systems
  • Cosmetic condition, paint, siding etc

If you are buying a home, you need to know exactly what you are getting. A home inspection, performed by a professional home inspector, will reveal any hidden problems with the home so that they may be addressed BEFORE the deal is closed. You should require an inspection at the time you make a formal offer. Make sure the contract has an inspection contingency. Then, hire your own inspector and pay close attention to the inspection report. If you aren't comfortable with what he finds, you should kill the deal.

Likewise, if you are selling a home, you want to know about such potential hidden problems before your house goes on the market. Almost all contracts include the condition that the contract is contingent upon completion of a satisfactory inspection. And most buyer's are going to insist that the inspection be a professional home inspection, usually by an inspector they hire. If the buyer's inspector finds a problem, it can cause the buyer to get cold feet and the deal can often fall through. At best, surprise problems uncovered by the buyer's inspector will cause delays in closing, and usually you will have to pay for repairs at the last minute, or take a lower price on your home.

It's better to pay for your own inspection before putting your home on the market. Find out about any hidden problems and correct them in advance. Otherwise, you can count on the buyer's inspector finding them, at the worst possible time.

rst possible time.
Posted by ERA Big Sun Realty on August 21st, 2017 3:14 PM
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What's a Home Warranty?

A home warranty is a service contract, normally for one year, which helps protect home owners against the cost of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and tear. Coverage is for systems and appliances in good working order at the start of the contract.

Check your home warranty policy to see which of the following items are covered. Also find out if the policy covers the full replacement cost of an item.

  • Plumbing
  • Electrical systems
  • Furnace
  • Water heater
  • Heating ducts
  • Water pump
  • Dishwasher
  • Garbage disposal
  • Stove/cooktop/ovens
  • Microwave
  • Refrigerator
  • Washer/dryer
  • Swimming pool (may be optional)
Posted by ERA Big Sun Realty on August 21st, 2017 3:12 PM

What You Can Do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

  1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
  2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.
  3. Don’t charge your credit cards to the maximum limit.
  4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
  5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.
  6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.
  7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
  8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.
Posted by ERA Big Sun Realty on August 21st, 2017 2:57 PM
Charges for Sellers
Owner's Title Insurance
Documentary Stamps and Deed
Real Estate Commission
Mortgage Payoffs
Liens on Property
Repairs per contract
Recording Satisfaction
Shipping and Handling
Pro-ration of Taxes and Maintenance 



Charges for Buyers
Lender's Title Insurance
Recording of Deed
Termite and/or Home Inspections
Survey
New Loan Charges
Documentary Stamps on Mortgage
Intangible Tax on Mortgage
Hazard Insurance
Shipping and Handling
Pro-Ration of Taxes and Maintenance 
Posted by ERA Big Sun Realty on August 21st, 2017 2:27 PM
MOVING CHECKLIST

Send Change of Address card to:
____Post office
____Charge accounts, lenders
____Subscriptions
____Friends, Relative
____Anyone you want to find you

Make Arrangements with Moving Company

Call for Final Reading on Utilities, be sure Utilities are not TURNED off Prior to Closing
____Water
____Electric
____Gas
____Telephone
____Fuel
____Trash Removal

Call to have Utilities turned on at New Property
____Water
____Electric
____Gas
____Telephone
____Fuel
____Trash Removal

Cancel deliveries
____Milk
____Newspaper
____Other

Transfer Bank Accounts
____Checking
____Savings
____Safe Deposit Box

Notify Insurance Companies
____Health
____Life
____Auto
____Home Owners

Check with Insurance Agent on Coverage of life, Car and household goods in Route to new home

Obtain School Records for Children

Obtain birth and Baptismal records for all the family members

Obtain legal records


Check to see if your Will must be re-written when moving across state lines


Obtain Medical records
____General Practitioner
____Dentist
____Optometrist
____Other Doctors

Have Drug Prescriptions Refilled

Have Car tuned up for trip

Leave Keys, garage door Opener Controller(s) and any necessary legal papers and appliance booklets
Posted by ERA Big Sun Realty on August 21st, 2017 2:22 PM

 

How to prepare for an emergency

Step-by-Step Guide to Creating an Emergency Binder

Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there's no time to sort through paperwork, no matter how essential it may be. Having everything you need in an organized emergency binder can streamline the process and give you peace of mind.

What to Include in an Emergency Binder

While there's no shortage of important family documents and household records, a true emergency calls for a few must-haves:

  • Vital records like birth certificates, driver's licenses, Social Security cards, naturalization documents, passports and child custody papers.
  • Insurance policies, including homeowners, renters, auto, life and health.
  • Property records such as real estate deeds, rental agreements, and vehicle titles and registration.
  • Financial documents like wills, trusts, powers-of-attorney and funeral instructions.
  • family emergency plan with contact information and predetermined meeting places.

Safely Storing Other Important Information

Some items, such as account passwords and a backup of critical computer files, aren't suited for a portable binder. Instead, house them in a secure location like a safety deposit box or lockbox. You can also include a home inventory list, contracts, business paperwork, tax returns and investment records.

Play it safe and include a recent photograph of every family member, along with fingerprints and dental records. You may also want to store valuable memorabilia, jewelry, and priceless family photos, letters and documents here as well.

There's no way to predict when misfortune will strike, but that doesn't mean you shouldn't be prepared. Set aside an afternoon to create an emergency binder that can help protect your family when time is of the essence.

How to prepare for an emergency

Step-by-Step Guide to Creating an Emergency Binder

Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there's no time to sort through paperwork, no matter how essential it may be. Having everything you need in an organized emergency binder can streamline the process and give you peace of mind.

What to Include in an Emergency Binder

While there's no shortage of important family documents and household records, a true emergency calls for a few must-haves:

  • Vital records like birth certificates, driver's licenses, Social Security cards, naturalization documents, passports and child custody papers.
  • Insurance policies, including homeowners, renters, auto, life and health.
  • Property records such as real estate deeds, rental agreements, and vehicle titles and registration.
  • Financial documents like wills, trusts, powers-of-attorney and funeral instructions.
  • family emergency plan with contact information and predetermined meeting places.

Safely Storing Other Important Information

Some items, such as account passwords and a backup of critical computer files, aren't suited for a portable binder. Instead, house them in a secure location like a safety deposit box or lockbox. You can also include a home inventory list, contracts, business paperwork, tax returns and investment records.

Play it safe and include a recent photograph of every family member, along with fingerprints and dental records. You may also want to store valuable memorabilia, jewelry, and priceless family photos, letters and documents here as well.

There's no way to predict when misfortune will strike, but that doesn't mean you shouldn't be prepared. Set aside an afternoon to create an emergency binder that can help protect your family when time is of the essence.

How to prepare for an emergency

Step-by-Step Guide to Creating an Emergency Binder

Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there's no time to sort through paperwork, no matter how essential it may be. Having everything you need in an organized emergency binder can streamline the process and give you peace of mind.

What to Include in an Emergency Binder
While there's no shortage of important family documents and household records, a true emergency calls for a few must-haves:

  • Vital records like birth certificates, driver's licenses, Social Security cards, naturalization documents, passports and child custody papers.
  • Insurance policies, including homeowners, renters, auto, life and health.
  • Property records such as real estate deeds, rental agreements, and vehicle titles and registration.
  • Financial documents like wills, trusts, powers-of-attorney and funeral instructions.
  • family emergency plan with contact information and predetermined meeting places.

Safely Storing Other Important Information
Some items, such as account passwords and a backup of critical computer files, aren't suited for a portable binder. Instead, house them in a secure location like a safety deposit box or lockbox. You can also include a home inventory list, contracts, business paperwork, tax returns and investment records.

Play it safe and include a recent photograph of every family member, along with fingerprints and dental records. You may also want to store valuable memorabilia, jewelry, and priceless family photos, letters and documents here as well.

There's no way to predict when misfortune will strike, but that doesn't mean you shouldn't be prepared. Set aside an afternoon to create an emergency binder that can help protect your family when time is of the essence.



Step-by-Step Guide to Creating an Emergency Binder

Do you know what vital information to have on hand in the event of a natural disaster or family emergency? When an unexpected situation arises, there's no time to sort through paperwork, no matter how essential it may be. Having everything you need in an organized emergency binder can streamline the process and give you peace of mind.

What to Include in an Emergency Binder
While there's no shortage of important family documents and household records, a true emergency calls for a few must-haves:

  • Vital records like birth certificates, driver's licenses, Social Security cards, naturalization documents, passports and child custody papers.
  • Insurance policies, including homeowners, renters, auto, life and health.
  • Property records such as real estate deeds, rental agreements, and vehicle titles and registration.
  • Financial documents like wills, trusts, powers-of-attorney and funeral instructions.
  • family emergency plan with contact information and predetermined meeting places.

Safely Storing Other Important Information
Some items, such as account passwords and a backup of critical computer files, aren't suited for a portable binder. Instead, house them in a secure location like a safety deposit box or lockbox. You can also include a home inventory list, contracts, business paperwork, tax returns and investment records.

Play it safe and include a recent photograph of every family member, along with fingerprints and dental records. You may also want to store valuable memorabilia, jewelry, and priceless family photos, letters and documents here as well.

There's no way to predict when misfortune will strike, but that doesn't mean you shouldn't be prepared. Set aside an afternoon to create an emergency binder that can help protect your family when time is of the essence.

Posted by ERA Big Sun Realty on August 21st, 2017 2:21 PM

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7454 SW SR 200
Ocala, Florida 34476