Ocala Real Estate

Things to go over with your Realtor before Looking at homes

Sellers List Your Home with Marion Counties Top Internet Marketer Dawn Rupersburg Coral Shores Realty

Interested in selling your home in the Ocala Florida area?  Great!  I would like to show you why I believe I'm the top real estate marketer in Marion County Florida,

 and how important this is in getting your home sold. 

The more people who know your home is for sale the better probability it has of selling.  85% of home buyers look on the internet to find their next home.  Having your home advertised all over the internet doesn't mean it can be found by buyers. I'll show you how more buyers find your home on my web sites than on the nation’s two largest Internet real estate sites.    Find out how the world can easily find your home when you list with Dawn Rupersburg Coral Shores Realty 252-553-3369

 

Ten Lethal Mistakes Investors Make

1. Planning as you go. Andy Heller, an Atlanta-based investor and co-author of "Buy Even Lower: The Regular People's Guide to Real Estate Riches," says lack of a plan is the biggest mistake he sees new investors make. They buy a house because they think they got a good deal and then try to figure out what to do with it. That's working backward, Heller says. "First, you find the plan," he says. "Then you find the house to fit the plan. Pick your investment model, and then go find property to match that. Don't find the strategy after you find the home."

The problem is that most people look at real estate as a transaction instead of as an investment strategy, says Doug Crowe, a Chicago-based real estate investor and speaker. "People fall in love with a property," says Crowe, who is managing director of Springboard Academy, the nation's only real estate academy for investors. "I say, 'Who cares about the property?' I fall in love with a motivated seller."

The number is the number, and you don't go above that, he says. The best way to solve the problem is to have lots of activity and make offers on multiple properties. Then you don't care which one you get -- as long as the numbers work out in your favor.  For the rest of the story: Ten Lethal mistakes Investors make

Arizona Reaches Settlement With Nation's Largest Homebuilder Pulte Homes

FHA mortgage insurance premium increasing and can go up during the loan term.

New FHA Monthly Mortgage Insurance Premium will raise borrower's monthly payments! Beginning October 4th, the Federal Housing Administration will change the mortgage insurance premiums charged to borrowers.Currently borrowers are charged 2.25% of the base mortgage amount upfront and .55% per year for at least 5 years or until the principal balance of the loan drops below 80% of the value of the home for loans which amortize more than 15 years with FHA's minimum down payment.The new mortgage insurance calculation reduces the upfront mortgage insurance premium to 1.25% of the base mortgage amount, but increases the monthly mortgage insurance premium to .85% or .90%, depending on the borrower's down payment for loans which amortize more than 15 years. Furthermore, the Federal Housing Administration has the power to increase the monthly mortgage insurance premium to 1.55%.  How will this affect your buyer's?Purchase Price: $200,00030 year fixed rate: 4.75%
	Current	Sept. 7th	Possibilities
Loan Amount	$197,342	$195,412	$195,412
Principal & Interest	$1,029.43	$1019.36	$1019.36
Mortgage Insurance	$88.46	$144.75	$249.29
Total	$1,117.89	$1,164.11	$1,268.65
Difference		$46.22	$150.76
Taxes and Insurance will not changeThis is a opportune time to contact any FHA buyer on the fence. Case numbers have to be ordered prior to October 4th to avoid the monthly payment increase.These changes not only add cost to financing through FHA, but will also reduce the purchasing power of your customers.Please click on HUD ANNOUNCEMENT to read the actual announcement from David Stevens, Assistant Secretary for Housing. For all your Ocala Real Estate Needs contact Dawn Rupersburg Coral Shores Realty 352-553-3369

Insurance Coverage changes if your home is left Vacant

Standard homeowners policies are designed to cover homes that are occupied. If you leave your home uninhabited for a month or longer, your policy may not cover damage or losses, says Michael McRaith, director of the Illinois Department of Insurance.   Read More:   Insurance Coverage changes if your home is left Vacant

Lawson: Repeal septic tank requirement

TALLAHASSEE, Fla. – Aug. 11, 2010 – A bill (SB 550) passed earlier this year meant to protect springs, in part by requiring septic tank inspections every five years, is too expensive in a tight economy and should be repealed, Sen. Al Lawson said Tuesday. Read More

Florida is investigating large law firms that may have falsified mortgage docs in thousands of recent foreclosure cases

Florida is investigating large law firms that may have falsified mortgage docs in thousands of recent foreclosure cases. Read More Here  MIAMI – Aug. 11, 2010 – Three South Florida law firms that represent mortgage lenders are being investigated by the state attorney general over allegations they forged documents filed with the courts in foreclosure cases.  Read More Here

Can my condo or homeowner's association prohibit me from installing an antenna?

Can my condo or homeowner's association prohibit me from installing an antenna?   

As directed by Congress in Section 207 of the Telecommunications Act of 1996, the Federal Communications Commission adopted the Over-the-Air Reception Device Rule concerning governmental and nongovernmental restrictions on viewers' ability to receive video programming signals from direct broadcast satellites ("DBS"), multichannel multipoint distribution (wireless cable) providers ("MMDS"), and television broadcast stations ("TVBS").

The rule is cited as 47 C.F.R. Section 1.4000 and has been in effect since October 14, 1996.  It prohibits restrictions that impair the installation, maintenance or use of antennas used to receive video programming.  The rule applies to video antennas including direct-to-home satellite dishes that are less than one meter (39.37") in diameter (or of any size in Alaska), TV antennas, and wireless cable antennas.  The rule prohibits most restrictions that: (1) unreasonably delay or prevent installation, maintenance or use; (2) unreasonably increase the cost of installation, maintenance or use; or (3) preclude reception of an acceptable quality signal. 

The rule applies to viewers who place video antennas on property that they own and that is within their exclusive use or control, including condominium owners and cooperative owners who have an area where they have exclusive use, such as balcony or patio, in which to install the antenna.  The rule applies to townhomes and manufactured homes, as well as to single-family homes. 

The rule allows local governments, community associations and landlords to enforce restrictions that do not impair, as well as restrictions needed for safety or historic preservation.  In addition, the rule does not apply to common areas that are owned by a landlord, a community association, or jointly by condominium or cooperative owners.  Therefore, restrictions on antennas installed in common areas are enforceable. 

On November 20, 1998, the Commission amended the rule so that it will apply to rental property where the renter has exclusive use, such as a balcony or patio.  The effective date of the amended rule is January 22, 1999. 

Source:

 The AntennaWeb.org mapping program, provided by the Consumer Electronics Association (CEA) and the National Association of Broadcasters (NAB), locates the proper outdoor* antenna to receive your local television broadcast channels.

Ocala Florida Real Estate

 

Happy 4th of July Did You Know

Did you know...

>	Independence Day was first celebrated in Philadelphia on July 8, 1776.
>	The first public Fourth of July event at the White House occured in 1804.
>	On June 14, 1777, the Continental Congress, looking to promote national pride and unity, adopted the national flag.
>	The first Independence Day celebration west of the Mississippi occurred at Independence Creek and was celebrated by Lewis and Clark in 1805.
>	The Liberty Bell sounded from the tower of Independence Hall on July 8, 1776, summoning citizens to gather for the first public reading of the Declaration of Independence by Colonel John Nixon.
>	Both Thomas Jefferson and John Adams, died on Independence Day, July 4, 1826.
>	In 1941, Congress declared July 4 a federal legal holiday.
>	The 56 signers of the Declaration of Independence did not sign at the same time, nor did they sign on July 4, 1776. The official event occurred on August 2, 1776, when 50 men signed it. Later that year, five more signed separately and one added his name in a later year. Thomas McKean was the last to sign in January, 1777.
>	The origin of Uncle Sam probably began in 1812, when Samuel Wilson was a meat packer who provided meat to the US Army. The meat shipments were stamped with the initials, U.S. Someone joked that the initials stood for "Uncle Sam". This joke eventually led to the idea of Uncle Sam symbolizing the United States government.
>	Benjamin Franklin, John Adams & Thomas Jefferson served on the committee that picked the eagle for the national seal (Franklin wanted the turkey.)

>	Independence Day was first celebrated in Philadelphia on July 8, 1776.
>	The first public Fourth of July event at the White House occurred in 1804.
>	On June 14, 1777, the Continental Congress, looking to promote national pride and unity, adopted the national flag.
>	The first Independence Day celebration west of the Mississippi occured at Independence Creek and was celebrated by Lewis and Clark in 1805.
>	The Liberty Bell sounded from the tower of Independence Hall on July 8, 1776, summoning citizens to gather for the first public reading of the Declaration of Independence by Colonel John Nixon.
>	Both Thomas Jefferson and John Adams, died on Independence Day, July 4, 1826.
>	In 1941, Congress declared July 4 a federal legal holiday.
>	The 56 signers of the Declaration of Independence did not sign at the same time, nor did they sign on July 4, 1776. The official event occurred on August 2, 1776, when 50 men signed it. Later that year, five more signed separately and one added his name in a later year. Thomas McKean was the last to sign in January, 1777.
>	The origin of Uncle Sam probably began in 1812, when Samuel Wilson was a meat packer who provided meat to the US Army. The meat shipments were stamped with the initials, U.S. Someone joked that the initials stood for "Uncle Sam". This joke eventually led to the idea of Uncle Sam symbolizing the United States government.
>	Benjamin Franklin, John Adams & Thomas Jefferson served on the committee that picked the eagle for the national seal (Franklin wanted the turkey.)

Can I help you find a home? Don't be shy I don't bite

 I decided to buy  a car today and I didn't go into the dealership to make a deal alone.  I took my 80 year old father with me because he knows the car business.  I was so happy to have him there with me to make a deal on a car.  He saved me a lot of money because of his knowledge.  My point is that having a very knowledgeable Realtor by your side can save you a lot of money when you're looking to buy a home.  

I could of gone into the dealership myself as I'm a very good negotiator in Real Estate, but the car business is not real estate and my dad gave me the edge I needed to make a good deal.   

I consider myself a professional in residential real estate who is well educated in several aspects of the real estate industry. I am always educating myself to give me the edge to better help my clients.    I want to do the best for my clients because I expect myself to look out for their best interest.   

I'm here to help you so don't be shy as I don't bite.  I'm looking out for you, but I can't do that unless your willing to work with me. 

Looking to buy a home in Marion County Florida?  Give me a Call I would love to help you out.

Dawn Rupersburg 352-553-3369

Common Suncoast Birds

Screech Owl                           Woodstork                             Double Crested Cormorant

               Great Egret                                         White Ibis                                 Great Blue Heron

 

Buying or Selling a Home in Ocala Florida:  Call Dawn Rupersburg 352.553.3369 Coral Shores Realty Ocala Real Estate

Marion Oaks Home Owners take note

There have been several homes bought in Marion Oaks in 2009 and this year due to the foreclosure activity. 

Home Owners make sure you apply for your homestead exemption to reduce your property taxes.  You can get the forms off the Marion County Property Appraiser's site.

If your buying a home and your appraisal comes out less than the assessed value on the tax records make sure you go to to the property appraiser to see if you can get your assessed value lowered to lower your property taxes.

If your buying or selling a home in the Ocala area give me a call Dawn Rupersburg Coral Shores Realty.

 352-553-3369 or Ocala Real Estate

 

 

 

Renters Rights If Owner Is In Foreclosure

This is great article on renters rights when living in a home that is being foreclosed on.

 Renters in Foreclosure: What Are Their Rights?

If your selling or buying a home in Ocala Florida call Dawn Rupersburg of Coral Shores Realty

352-553-3369 Visit Ocala Florida Real Estate or Retirement Communities Ocala Florida

 

Foreclosure Risks

Did you know the bank has the right to pull out of the contract anytime they want to even after all the addendum's are signed?   What does this mean to you?  It means you take a financial risk up front where you may lose the money you spent on an appraisal, inspections, and survey. Depending on how the addenda are written the bank may reimburse you for some of the costs.

Did you know if you don't close on time you can be charged daily from the seller to extend the closing date?  Foreclosures are good deals, but be prepared you can end up losing money.

Best way to prepare to buy a foreclosure is work with an experienced foreclosure agent like me so you know all the risks involved and associated costs.  Call Dawn Rupersburg at 352-553-3369 or Email her if you’re looking at purchasing a foreclosure.