For Buyers Only Realty of St Augustine

Ocean Palms Neighborhood Tour and Homes FOr Sale (Anastasia Island homes for sale and St Augustine real estate)

Mon, 21 Nov 2011 22:04:41 -0800

OCEAN PALMS HOMES FOR SALE AND NEIGHBORHOOD TOUR

Ocean Palms features low maintenance concrete block home. Choose from a traditional single family residence or a maintenance free patio home and enjoy all that Ocean Palms has to offer.

Ocean Palms is designed to be truly pedestrian friendly, featuring a complete sidewalk system throughout the entire community. You will be able to walk to everything--your home, the central community park, the river park and dock, plus the beach is only two blocks from our entrance.

Enjoy a sunset or cast a line from our community dock, relax by the pool, or take a nature walk over the boardwalk and enjoy 40+ acres of dedicated conservation land. Beautifully landscaped lakes and grounds enhance the natural beauty of the area. At Ocean Palms you can enjoy the beauty of nature close to home.

Among the amenities you'll find at Ocean Palms is a community pool, park and pavilion building, picnic grounds, playground and kid's wading pool, river park and fishing pier--all within your neighborhood.

SEE ALL OCEAN PALMS HOMES FOR SALE HERE

FOR BUYERS ONLY REALTY. St Augustine's and Ponte Vedra's ONLY Exclusive Buyers Agents. St Augustine and Ponte Vedra real estate and homes for sale.

For Buyers Only Realty Of St Augustine is the ONLY place where Buyers can get a Realtor who truly represents them!

We only work for YOU.....THE BUYER.....and NEVER the Seller!

There is absolutely NO CHARGE for using our Realtors....so why not contact us today!

FOR BUYERS ONLY REALTY OF ST AUGUSTINE.
Serving all of St Johns County, including St Augustine, Nocatee, Ponte Vedra, Ponte Vedra Beach, Vilano Beach, Anastasia Island, Crescent Beach, St Augustine Beach, and St Johns.

Disclaimer: For Buyers Only Realty is not affiliated with nor employed in any way by the Seller and/or builder. Information herein is deemed accurate but not guaranteed and is subject to change or discontinutation without notice. This information and video are provided "for informational purposes only" as a convenience to our potential and current Buyer-Customers and Buyer-Clients. As Exclusive Buyer's Agents, not only do we work only for Buyers, but our company, also works with Buyers exclusively. As a member of NAEBA, we agree to abide by one of the highest Codes of Ethics in the real estate industry. These commitments allow us to develop a unique relationship of trust and care, which assures Buyers the best possible home buying experience.

The Sharon Stevens Team
FOR BUYERS ONLY REALTY
St Augustine's ONLY Exclusive Buyers Agents*
We Only Work For Buyers.....Never Sellers!

Office       904-687-0542
Toll-Free   866-573-8612
Cell          904-687-5220

*Member of NAEBA (National Association of Buyers Agents)

Marsh Creek Golf Course Community on Anastasia Island in St Augustine Beach Florida (Marsh Creek Homes For Sale and Neighborhood Tour

Mon, 21 Nov 2011 21:42:52 -0800

Marsh Creek is situated on over 800 acres on Anastasia Island, just five miles south of historic St. Augustine, Florida and the historic Bridge of Lions. Marsh Creek Country Club is Anastasia Island's only golf country club. Marsh Creek is strategically located between the serene and breathtaking Intracoastal Waterway and the area's miles of beautiful sandy beaches. Nestled in the woods just off of A1A, you will find a gated community filled with over 500 lovely single-family homes, friendly and sociable people, and a lifestyle you will want to call your own. Amenities include the 18-hole Mark McCumber designed golf course, exclusive clubhouse dining, a tennis club, a fitness center, not to mention the refreshing swimming pool!

SEE ALL MARSH CREEK HOMES FOR SALE HERE

FOR BUYERS ONLY REALTY. St Augustine's and Ponte Vedra's ONLY Exclusive Buyers Agents. St Augustine and Ponte Vedra real estate and homes for sale.
http://www.For-Buyers-Only.com.

For Buyers Only Realty Of St Augustine is the ONLY place where Buyers can get a Realtor who truly represents them!

We only work for YOU.....THE BUYER.....and NEVER the Seller!

There is absolutely NO CHARGE for using our Realtors....so why not contact us today!

FOR BUYERS ONLY REALTY OF ST AUGUSTINE.
Serving all of St Johns County, including St Augustine, Nocatee, Ponte Vedra, Ponte Vedra Beach, Vilano Beach, Anastasia Island, Crescent Beach, St Augustine Beach, and St Johns.

Disclaimer: For Buyers Only Realty is not affiliated with nor employed in any way by the Seller and/or builder. Information herein is deemed accurate but not guaranteed and is subject to change or discontinutation without notice. This information and video are provided "for informational purposes only" as a convenience to our potential and current Buyer-Customers and Buyer-Clients. As Exclusive Buyer's Agents, not only do we work only for Buyers, but our company, also works with Buyers exclusively. As a member of NAEBA, we agree to abide by one of the highest Codes of Ethics in the real estate industry. These commitments allow us to develop a unique relationship of trust and care, which assures Buyers the best possible home buying experience.

*Member of NAEBA (National Association of Buyers Agents)

Real Estate Market Update Aug 1, 2011 by Sharon Stevens of For Buyers Only Realty of St Augustine, Exclusive Buyers Agent

Mon, 01 Aug 2011 09:17:07 -0700

Last week's most positive note came with Pending Sales of Existing Homes, UP 2.4% for June. This was especially gratifying coming on the heels of the 8.2% gain for May. These figures bode well for Existing Home Sales a few months out.

New Home Sales did not fare quite as well. Sales of new single-family homes fell 1% for June, coming in at a very modest 312,000 annual rate. But the months' supply of new homes dropped to 6.3, as inventories declined by 3,000 to their lowest level since 1963. The $235,200 median price was UP 7.2% over last year, while the $269,000 average price registered a 4.8% annual gain. And the S&P/Case-Shiller 20-city home price index rose 1% in May, with gains in 16 of the cities.

Bonds were down at the beginning of the week, but picked up after the debt ceiling shenanigans and anemic GDP reading ignited a flight to safety in bonds. With prices heading north, the FNMA 4.0% bond we watch ended the week up .96, at $101.18. Once again, national average mortgage rates changed little for the week, remaining near their lows for the year, in Freddie Mac's weekly survey.

*Member of NAEBA (National Association of Buyers Agents)

Real Estate Market Update July 25, 2011 by Sharon Stevens of For Buyers Only Realty of St Augustine, Exclusive Buyers Agent

Mon, 25 Jul 2011 20:46:08 -0700

Last week included both problems and progress in the housing market. Getting the probs out of the way, June Existing Home Sales came in down 0.8% versus May, to an annual rate still below 5 million units, lifting the months' supply to 9.5. But all the sales decline was from condos and coops, single-family sales staying the same. We appear to be bouncing along a bottom, as the median price of an existing home rose for the month and is now up 0.8% from last year. Average prices are up 2.7% versus a year ago.

But strong progress could be seen in the new homes market, as June Housing Starts were UP 14.6%, with gains occurring in all major regions. Multi-family starts, which are very volatile month-to-month, were up strongly, but so were single-family starts, UP 9.4% over May, while new building permits were UP 2.5% for June. Lastly, the Mortgage Bankers Association reported purchase loan demand was stronger than at the same time a year ago.

Thursday's Greek bailout spurred bond selling. U.S. debt ceiling squabbles didn't help bonds either, although this may change as the August 2 deadline approaches. The FNMA 4.0% bond we follow ended the week down .06, at $100.22. National average mortgage rates hardly moved for the week, staying near their lows for the year, according to Freddie Mac.

*Member of NAEBA (National Association of Buyers Agents)

Real Estate Market Update July 12, 2011 by Sharon Stevens of For Buyers Only Realty of St Augustine, Exclusive Buyers Agent.

Tue, 12 Jul 2011 08:52:44 -0700

It finally appears seeds are being planted for a housing recovery. Fannie Mae’s monthly survey reported that Americans expect home prices to drop just 0.5% in the next year. Some reported this as a negative because a 0.7% price gain was expected last month. But other analysts see this as a bottom, and those surveyed agree, as the majority (69%) believe it’s a good time to buy a home.

A MacroMarkets LLC study echoed this. More than 50% of the economists, real estate experts and investment strategists polled said they expect a bottom for national home prices this year. Almost two thirds of the respondents felt our residential real estate market is at an historic turning point.

The Wall Street Journal also reported this could be a good time to buy. The reasons? Mortgage rates are near 50-year lows; inventories are supporting a buyer’s market; and homes are more affordable than they’ve been in years. Moody’s calculates the ratio of home prices to income is now 20.9% lower than the 15-year average up through 2010.

Finally, the Mortgage Bankers Association reported demand for purchase loans was UP 4.8% from the week before and UP 11.7% from a year ago.

National average rates on fixed-rate mortgages nudged up a bit, according to Freddie Mac’s weekly survey. They’re still historically low, but some observers feel they could be heading up.

*Member of NAEBA (National Association of Buyers Agents)

5 Reasons NOT To Buy A Home (Sharon Stevens, St Augustine's ONLY Exclusive Buyers Agent)

Tue, 21 Jun 2011 14:52:00 -0700

June is National Homeownership Month, but the National Association of Exclusive Buyer Agents (NAEBA), an organization of real estate professionals who advocate for home buyers, cautions that, for some, this may not be a good time to become a homeowner.

According to 2011 NAEBA President Michael Crowley, “A potential home buyer needs to seriously consider at least five reasons that home buying may not be the best choice right now.” Crowley mentioned mixed economic indicators and the potential for the market to turn soft again to a point where first time home buyers could potentially lose their down-payment and time invested in buying a home. “As the association that works to protect buyers and not just promote real estate sales, we sometimes need to stand up and point out these concerns,” he added.

Exclusive Buyer Agency is the practice of representing only buyers and never sellers in a transaction. The company never lists a seller’s property and thus never has a seller as a client.

Other NAEBA members voiced additional concerns:

Benjamin Clark, NAEBA Past President, suggested that buyers should feel they have a significant degree of job stability. “If there is any possibility you could be downsized or let go, or if finding similar employment in your area could be difficult, it might not be a good idea to jump into home ownership at this time.”

David Kennedy, a NAEBA broker from San Antonio, TX stated, “In this market home buyers should plan to stay in the home for at least five years.”

“If you anticipate a significant change in your family situation, it is often better to wait for it to be resolved before you buy a home,” commented Michael Byrd, a NAEBA broker from Grover Beach, CA. “Pending marriages or having children leave the nest can both mean major changes to your space needs and your commuting requirements.”

“Prices are down, but many buyers do not have a handle on repair costs. Many foreclosed and short sale homes have big-ticket deferred maintenance. Buyers, beware that bargain properties may not be a bargain,” says Rona Fischman, a NAEBA broker near Boston, MA.

In addition, buyers often get qualified by lenders based on only some of their expenses. “It is still possible for a buyer to unwittingly over borrow, even in this market. Sometimes the amount that a lender will let you borrow should scare the heck out of you,” says Ed Bartlett, a NAEBA member in Spokane, WA.

NAEBA Executive Director Kimberly Kahl summarizes the concerns by saying, “Potential home buyers should be certain to look before they leap into this market, and that they have someone on their side who will protect their interests during the home buying process.”

*Member of NAEBA (National Association of Buyers Agents)

Case-Shiller report shows home prices UP 38.2% Since 2000!

Mon, 06 Jun 2011 11:03:42 -0700

Last Tuesday another housing market obstacle appeared in the form of Standard & Poor's Case-Shiller Home Price Index for March. Prices for 20 major metro areas dropped 0.8% for the month and were down 3.6% from a year ago. These numbers had some folks claiming the double dip in housing prices had arrived. But Case-Shiller's longer term data reveals that in their 20 measured metros, home prices are still UP 38.2% since January 2000. This shows that in real estate, you have to look at the long term picture, just like you do with your 401K. You can see a chart of the info here:

http://www.nytimes.com/interactive/2011/05/31/business/economy/case-shiller-index.html?emc=eta1#city/IND20

National average home prices are also misleading. First, the national average rarely matches the price situation in a specific local housing market. Beyond that, distressed sales at substantial discounts make up a portion of that national average price. In fact, when distressed sales are excluded, home prices are off just 0.5% year-over-year in April, according to data aggregator CoreLogic. If that's a double dip, you'd need a magnifying glass to see it. Finally, the Mortgage Bankers Association reported purchase loan demand unchanged from the prior week and up 7.6% from a year ago. But MBA researchers do expect mortgage rates to rise the last three months of this year and continue to increase gradually through 2012.

*Member of NAEBA (National Association of Buyers Agents)

8 Tips On Finding Your New Home In St Augustine

Thu, 14 Apr 2011 07:27:25 -0700

8 Tips for Finding Your New Home

A solid game plan can help you narrow your homebuying search to find the best home for you. Read

Visit houselogic.com for more articles like this.

*Member of NAEBA (National Association of Buyers Agents)

The Return of the Real Estate Market in St Augustine by Sharon Stevens, St Augustine Exclusive Buyers Agent

Wed, 13 Apr 2011 19:47:53 -0700

The Return of the Real Estate Market in St Augustine by Sharon Stevens, St Augustine Exclusive Buyers Agent

Those of us who think we can participate in a housing market recovery sooner rather than later just got welcome support from some industry experts. As reported by Fortune on CNNMoney.com, "After four years of plunging home prices, the most attractive asset class in America is housing." Research firm Metrostudy, which tracks new-home inventories for 65% of the U.S. market, reports that the steep drop in construction over the last few years has reversed the supply glut, with starts now well below closings. The firm believes the low inventory should eventually lead to higher prices.

The Fortune posting also cited a new study from a major bank that found homeowners now pay only 9.8% of their income in after-tax mortgage, tax and insurance payments, down from 17.2% at the 2007 peak. This means it's now cheaper to pay a mortgage and the other major homeowner costs than it is to rent the same house in 28 out of 54 major markets.

Fortune further reports that where existing home inventories average close to seven months, a modest boost in demand will result in solid gains in home prices and new construction. This could happen quickly in markets now showing good job growth. Moody's Analytics forecasts prices going up three to four points faster than inflation over the next few years in virtually all such markets. They see home prices rising with rents, with apartments in short supply. Of course, the housing recovery still requires job creation and consumer confidence back to normal, but we finally seem headed in that direction.

READ FULL ARTICLE AT

http://finance.fortune.cnn.com/2011/03/28/real-estate-its-time-to-buy-again/

*Member of NAEBA (National Association of Buyers Agents)

Old Sebastian Point in St Augustine by Mattamy Homes

Sun, 20 Mar 2011 16:14:58 -0700

Old Sebastian Point in St Augustine by Mattamy Homes

Old Sebastian Point is a brand new community being built by Mattamy Homes in St Augustine. This will be a small intimate community of 87 homes. Old Sebastian Point has a great location just off of Lewis Point Road near the St Johns County Government Complex....so it has easy access to either U.S. 1 or else I-95 via State Road 16. Perfect ifor commuting to Jacksonville or visiting the Malls on the Southside.

If you want to be close to the beaches....Old Sebastian Point is only a short 10-minute drive to Vilano Beach and about a 15-minute drive to Anastasia Island. And of course....just 10-minutes to the Historic District of St Augustine so you will not have to miss any of the many fun events and Festivals during the year.

For those of you who are tired of communities that have high CDD fees...you are in luck!! Old Sebastian Point has no CDD fees and just a low HOA of $325 per year.

CLICK HERE FOR MORE INFORMATION ABOUT OLD SEBASTIAN POINT

OLD SEBASTIAN POINT

Here are some of the special features of your new home at Old Sebastian Point

Complete landscaping package including fully sodded yard, mulched flowerbeds, and assorted bushes and trees
Full irrigation system with automatic time
35 yr warranty architectural shingles
Covered porches (per plan)
Energy efficient insulation R-38 ceilings and R-15 walls
Carrier Puron 13-SEER air HVAC
2-10 Homebuyer Warranty
Bor-Rate termite protection plus $1 million repair bond

Sherwin Williams paints
Elegant designer Moen faucet collection
42" Timberlake cabinets
Whirlpool Appliance package including smooth top range, microwave, and dishwasher in your choice of stainless steel, black, or white
Beautiful tiled foyers
Designer contemporary lighting package
Raised panel doors
Upgraded plush carpeting in a variety of colors
Double sinks in owners suite (per plan)

Please feel free to call me at 904-687-0542 or email me at Sharon.K.Stevens@gmail.com to learn more about Old Sebastian Point and how you can be eligible to receive a $1,000 VISA GIFTCARD at closing!

Disclaimer: I am not affiliated with nor employed in any way by Mattamy Homes or Old Sebastian Point. Information herein is deemed accurate but not guaranteed and is subject to change or discontinutation without notice. This information and video are provided "for informational purposes only" as a convenience to my potential and current Buyer-Customers and Buyer-Clients. I represent Buyers only, not Sellers.

*Member of NAEBA (National Association of Buyers Agents)

Sharon Stevens with For Buyers Only Realty of St Augustine Explains What To Expect At Closing

Sat, 12 Mar 2011 23:19:29 -0800

Sharon Stevens with For Buyers Only Realty of St Augustine Explains What To Expect At Closing

When a home sells things may differ slightly from state to state, but as a whole the majority of the details remain the same. Here is an idea of what you can expect at your St Augustine closing.

Depending on what state you reside in you may be closing at any number of locations. For example, in some areas you close at a title office, in some cases an attorney's office and sometimes it may even be at one of the real estate agent's office. Regardless of where it is, the general rules are the same. Both buyers and sellers must have photo identification with them.

It is extremely important that buyers not take out any new credit or make considerable credit card charges before closing. Your loan approval depends on the fact that nothing new occurs before you close. Any significant shift in debt can kill the whole deal.

Sellers should come to closing with all house keys. Also, make sure to tell buyers where all garage door openers are. If there is a home alarm, tell them how to set it and how to disarm it so they won't accidentally set it off.

If a buyer is putting money down they will need to bring that amount to closing in the form of certified funds. This typically means a certified check or cashier’s check from the bank. Personal checks cannot be accepted- regardless of whether the money is in your checking account. You will need to verify with your St Augustine loan officer exactly how much you will need.

If you are signing as power of attorney for someone make sure what documentation you will need ahead of time. For example, if a document has to be notarized and it isn't it could delay the closing or cause it to reschedule completely.

Make sure before the day of closing that you have gone over the settlement statement with your loan officer. You want to make sure you know all of the numbers that you will see on the paperwork so there are no surprises. Also, make sure your loan officer can be contacted in case there are any questions.

For detailed information on how closings work in St Augustine, contact real estate agent Sharon Stevens of For Buyers Only Realty of St Augustine at 904-687-0542.

*Member of NAEBA (National Association of Buyers Agents)

St Augustine Exclusive Buyers Agent Sharon Stevens Talks About Buying a Home from a For Sale By Owner

Fri, 11 Mar 2011 22:49:32 -0800

St Augustine Exclusive Buyers Agent Sharon Stevens Talks About Buying a Home from a For Sale By Owner

Many people are under the mistaken impression that a St Augustine real estate agent cannot help them if they choose to buy a for sale by owner home. In fact, nothing can be further from the truth! The truth is that a St Augustine home buyer needs an REALTOR even more when it comes to purchasing a for sale by owner property. This is for several different reasons.

First of all, for sale by owners tend to overprice their home when it comes to comparing it with other market prices in the area. Because they are not getting the experience of a real estate professional, some home sellers simply price their home buying using the logic that they want a particular amount of money out of it at closing. As we all know, just because you want a certain profit from your home does not mean that the home is worth that price.

This is one of the reasons why having a St Augustine real estate professional representing you as a buyer on a for sale by owner is vitally important. The agent will be able to look at the market figures and tell you for certain if that home is worth the listed price.

Another perk of having a real estate professional represent you during the home buying process is that they will be able to give you good advice on how the real estate transaction works in St Augustine. By not having a professional representing either side of the transaction, the buyer and/or the seller can make huge mistakes that can have legal implications in the real estate transaction.

When it comes to purchasing a for sale by owner in St Augustine, you should know that there are specific requirements in the real estate contract that need to be adhered to in order to avoid any legal risks. As a St Augustine real estate professional, I can assist you with maneuvering the tricky waters of the St Augustine real estate contract. Plus, if you visit my website you will see many tips and tricks about how to purchase a home in St Augustine.

*Member of NAEBA (National Association of Buyers Agents)

Exclusive Buyers Agent Sharon Stevens Explains Why Buyers Need Representation in a St Augustine Real Estate Transaction

Thu, 10 Mar 2011 23:03:54 -0800

Exclusive Buyers Agent Sharon Stevens Explains Why Buyers Need Representation in a St Augustine Real Estate Transaction

One of the most common questions that St Augustine home buyers ask is why do they need a real estate professional to help them buy a home? It might seem like it would be a lot easier to just go out on your own, drive around St Augustine and find the house that you're interested in. Many buyers do this and just call the listing agent directly to proceed with the real estate transaction. However, this can present a problem in some cases.

Most of the time, the listing agent on the house represents the seller. Many listing agents do not take on a dual agency capacity meaning that they cannot or will not represent both parties. In fact, some states do not even allow the practice of an agent representing two parties. Either way, it makes a lot more sense for a St Augustine home buyer to have their own representation when dealing with a real estate transaction.

Think of it this way: When an agent lists a St Augustine property for sale, they promise the seller to do their very best to get the most money for the property. When an agent contracts with a buyer to represent them, they promise the buyer that they will do their very best to get the buyer a fantastic deal on their property. If an agent is representing both parties, those interests can be conflicting because it might be impossible for the agent to get the seller the most money and the buyer the least money at the very same time.

Most of the time, the services of a St Augustine buyer's agent are paid for by the seller via the commission. The commission amount is set out at the beginning when the house is listed, so someone is going to make that money regardless. As a buyer, it makes more sense for you to have representation that is paid for by the seller but has your best interests at heart.

If you would like to know more about how buyer representation works in Florida, visit my website at NorthFloridaHomeSearch.com or contact me directly at 904-687-0542. I'd be glad to assist you by answering questions about the process!

*Member of NAEBA (National Association of Buyers Agents)

How Hard Is It To Get Condo Financing? - Sharon Stevens, St Augustine Exclusive Buyers Agent

Wed, 02 Mar 2011 08:52:43 -0800

How Hard Is It To Get Condo Financing? - Sharon Stevens, St Augustine Exclusive Buyers Agent

The single-family market is really starting to take off now in St Augustine. The bottom occurred sometime in 2010 (average prices went up 3.5% in 2010) It seems that all the offers that I have made for my buyers in the last 6 months have turned into multiple offer situations. This is especially the case wtih homes priced in the under $170,000 range or so. But I have also seen this starting to happen in the higher price-points.

Are we going to start seeing some more activity in the St Augustine condo market? Our condo market was pretty much at a stand-still during 2008 and 2009 but during 2010 we have seen definite signs of improvement. There has been a flurry of activity in the under $150,000 price range....mainly with cash buyers. But it appears that perhaps the market is also starting to move upward in the condo market as well. I was out showing several $300,000 to $400,000 oceanfront and oceanview condos this week on Anastasia Island and Vilano Beach....and I kept "tripping over" other Realtors also showing these properties. It was almost getting to the point where we needed to have a traffic control cop to prevent crashing into other Realtors and their potential buyers.

The major "sticking point" with the condo market, though, is the great difficulty in getting financing. Here is a link to a great article by Gina Pogol that really sums it up....

How To Finance A Condo Purchase

.....and if you would like some help in getting your own condo financing...check out these great lenders....

ST AUGUSTINE MORTGAGE LENDERS

.....Once you have your loan pre-approval....let's go condo shopping!!!

*Member of NAEBA (National Association of Buyers Agents)

Top 3 Mistakes St Augustine Investors Make when Buying Foreclosures, by Exclusive Buyers Agent Sharon Stevens

Wed, 02 Mar 2011 00:11:04 -0800

Top 3 Mistakes St Augustine Investors Make when Buying Foreclosures, by Exclusive Buyers Agent Sharon Stevens

Foreclosures have the reputation of being very profitable investments for real estate investors. While that can be true, they can also be very dangerous investments where you can lose a lot of money. In this article, weíll go 3 of the most common pitfalls St Augustine investors make, so you can avoid these mistakes if you decide to invest in foreclosures.

Pitfall #1 All Foreclosures are Good Deals

This simply isnít true. Foreclosures are often in terrible condition. For that reason, banks and the government are often willing to provide major discounts on the propertyís price. Even then, however, the property may not be a great investment.

Itís only beginning investors that think all foreclosures are good deals. Experienced investors know that just like anything else, finding a good foreclosure property takes time, expertise and research.

Pitfall #2 Jumping into Fixer Uppers

Weíve all heard of people whoíve made millions buying shambled houses, fixing them and then ìflippingî them. While this can be a very profitable model, it also has its pitfalls.

The biggest pitfall is beginning investors who jump in to the fixer market without the expertise to back it up. Unless you can predict how much your repairs will cost, how much you can sell the property for and then work your way backwards to what the selling price must be in order to be profitable, then youíre not ready for a fixer upper.

There are many profitable deals that donít require the level of expertise that a fixer does. For a beginning investor, itís usually better to start with those deals.

Pitfall #3 Not Performing Good Research

Good research is a key component to being profitable in the foreclosure market. You must know how much your property can sell for in the market. You should know what the trends in the area are, including community projects, new buildings that are being built, crime rates, etc.

You should also be sure to get a home inspection. If youíre bidding on multiple properties at an auction, it is important that you actually step foot in all the properties you plan on bidding on before you bid on them.

These are 3 of the more common pitfalls that St Augustine investors tend to fall into. By avoiding these pitfalls, youíll set yourself ahead of most beginning foreclosure investors in St Augustine

There is a lot of free information available to you about buying, selling or investing in St Augustine real estate. For complete information about the St Augustine real estate market including current homes for sale, property values and more please visit the most complete website online at www.StAugustine-real-estate.com

*Member of NAEBA (National Association of Buyers Agents)

St Augustine Real Estate Exclusive Buyers Agent Sharon Stevens Discusses Improtant Facts To Know about financing St Augustine investment property

Wed, 02 Mar 2011 00:07:04 -0800

St Augustine Real Estate Exclusive Buyers Agent Sharon Stevens Discusses Important Facts to Know About Financing St Augustine Investment Property .

Receive the best type of loan for your investment property in St Augustine . It doesn't matter if your getting a loan for a rental property or another type of property in St Augustine that you are going to keep or one you fix up and flip for a profit. This exclusive series of reports will help you to discover the starting point in your journey for investment financing.

READ EVERY WORD BELOW:

Sharon Stevens Discusses How to Finance Your Investment Property in St Augustine.

Looking for good real estate investment properties in St Augustine can be a lot of fun. It is a pleasure to go into a property just dreaming of the profits that the house could bring you in the future. Before you begin earnestly searching for properties you must have your financing plan ready.

If you are planning on financing a rental in St Augustine It is best to start by contacting a mortgage broker that works with many different lenders so you have a lot of options.

You will need to locate a mortgage specialist in St Augustine that understands the complicated process of getting loans for investors.

If you are working with a Realtor you can ask them for a referral. You can also check out some of the investment clubs in St Augustine area that will be filled with professionals that can help you find the financing that you require.

For more information visit my St Augustine Real Estate website at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

St Augustine Real Estate Exclusive Buyers Agent Sharon Stevens Discusses Important Facts to Know About Financing St Augustine Investment Property

Tue, 22 Feb 2011 21:54:01 -0800

St Augustine Real Estate Exclusive Buyers Agent Sharon Stevens Discusses Important Facts to Know About Financing St Augustine Investment Property .

For more information visit my St Augustine Real Estate website at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

Buying a Vacation Home In St Augustine by Sharon Stevens, St Augustine's ONLY Exclusive Buyers Agent

Tue, 22 Feb 2011 13:49:00 -0800

Buying a vacation home in St Augustine by Sharon Stevens, St Augustine's ONLY Exclusive Buyers Agent

If you've long dreamt of owning a beach house, country cottage or other second home to while away your leisure time, stop dreaming. With family incomes up, mortgage rates down and resort-real-estate prices depressed because of worries about possible changes in the tax treatment of vacation get-aways, this may be the best time in years to hang out that "Home Sweet Second Home" sign on your new vacation home in St Augustine.

Contrary to the popular image of a second home in St Augustine as a luxury that only the rich can afford, a weekend or vacation retreat in the U.S. is within financial reach of many middle-class families. There are about 8.2 million second-home owners in this country, the National Association of Home Builders reports. According to a study by the Scott Company, a Kiawah Island, S.C., management consultant, the average value of all types of second homes nationwide is $125,500.

A lot of credit for the current buyer's market in second homes -- inadvertent though it might be -- goes to the Bush administration and its drive to simplify the tax code. Prices in many resort areas fell 10 to 20 percent after the White House proposed a limit on the deduction for mortgage interest paid on second dwellings. While there is no such cap in the only tax-reform bill approved thus far -- the one passed by the House of Representatives -- most resort prices have not recovered fully. Falling energy costs and the reappearance of single-digit mortgage rates have further widened the window of opportunity for buyers.

Also, the weaker dollar and the fear of terrorist attacks are deterring Americans from traveling abroad, making the purchase of a vacation home a more appealing option.

Location, always a key factor in the way real estate is priced, can count for even more when it comes to vacation homes in St Augustine.

Experts say that the soundest investments in second homes are in St Augustine where the supply of housing is limited. New golf courses and lagoons will always ready to be created. Anything that's near something man-made has a lesser potential for appreciation than anything that is close to a God-given feature.

Access to recreational facilities is another consideration in how resort homes are priced. Many developments are jammed with extras such as golf courses, tennis courts, swimming pools, hot tubs and health clubs.

Shopping for a vacation home in St Augustine in many ways is no different from buying a principal residence. In either case, it's important to check the reputation of the builder and to price comparable homes. If you're buying a condominium, it's crucial to scrutinize the condo association's operating budget. There should be funds set aside for capital repairs, for instance. Some condo owners may scrimp on improvements, figuring they will have unloaded their units before a structural problem -- say a leaky roof -- becomes evident.

Since access to recreation rather than shelter is the main reason that many people buy vacation homes, keep in mind that factors such as the size of bedrooms may not be as important as they are in your primary residence.

Be sure to examine construction for both its quality and its suitability to the site. Ocean homes should be built of wood. They will weather beach conditions much better than brick houses.

Find out the zoning regulations in the area of your prospective second home. If you are buying a retreat for its bucolic setting, you don't want someone building a megamall or a 40-story office building nearby. Also, if you want to renovate or expand someday, you don't want to be limited by onerous restrictions.

In the end, the kind of vacation home and setting in St Augustine you want will be limited by what you can afford. But if the experts are right, the current combination of choice and price may not recur for quite a long time.

There is a lot of free information available to you about buying, selling or investing in St Augustine real estate. For complete information about the St Augustine real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything St Augustine real estate at NorthFloridaHomeSearch.com .

*Member of NAEBA (National Association of Buyers Agents)

Advide From St Augustine Real Estate Buyers Agent Sharon Stevens On How To Look At A Home

Sat, 19 Feb 2011 23:25:21 -0800

dvice from St Augustine Real Estate Buyers Agent Sharon Stevens On how to Look at a Home

Every St Augustine seller wants you to buy their home. They will try everything to convince you that their home is better than anything else you will look at. So how do you narrow your selection? Here are a few simple things to keep in mind when you need to weed out some of the competition.

You have to feel comfortable in a home, regardless of the fact that you don't own it- yet. When you walk into a home for the first time you will instantly know if you want to see the rest of it. Everyone has experienced a bad “feeling” in certain homes. You can't put your finger on it, but for some reason it just doesn't feel comfortable to you. If you have to talk yourself into it, then it's not the right one for you.

First, take a look at the kitchen. Whoever does the cooking will be spending a lot of time in this room. Do you like the layout? Is there ample counter space? Are the appliances dated? Also, look at what source of energy you will be cooking with. If you don't like cooking with gas then make sure it is an electric stove or range. Last, make sure there are plenty of cabinets for your needs. This is not something that you can skimp on, or add later.

When looking at bedrooms, imagine your furniture in them. Is there enough room? And is it laid out properly? If you have a massive armoire for your TV you need to find a place to fit it in. You can always paint, but you can't make a room bigger.

Bathrooms are important rooms, too. If they will be shared by more than one person is there enough room to get around each other? This is especially true for the master bedroom where two adults may be getting ready at the same time. This is where two vanities, or sinks, will come in handy. Another thing that most adults overlook is the toilet area. Is it separated with a door? If you are not into public displays then you may want some privacy when nature calls.

For help on choosing the perfect St Augustine home, visit my website at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

3 Common Mistakes St Augustine Real Estate Investors Make When Buying Foreclosures - by Sharon Stevens Exclusive Buyers Agent

Fri, 18 Feb 2011 23:09:30 -0800

3 Common Mistakes St Augustine Real Estate Investors Make When Buying Foreclosures - by Sharon Stevens Exclusive Buyers Agent

Here is a list of the top three common mistakes. St Augustine Real Estate Investors Make when Buying Foreclosures.

Those who invest in real estate overwhelmingly agree that foreclosure are the best deals going as far as making money. Though often true, they can be dangerous investments where you might lose large sums of money. We'll go over 3 of the most common pitfall ,in this article When investing in St Augustine foreclosed properties you can keep from making these mistakes.

The first mistake is to believe that all St Augustine foreclosures make good investments - that just isn't true. The condition of homes that have gone through foreclosure is not usually good. For that reason, banks and the government are often willing to provide major discounts on the property's price. Even with the considerations in mind, the property may not be an ideal investment.

It's only beginning investors that think all foreclosures are good deals. With experience you learn than locating an excellent foreclosure property requires some effort and patience.

Pitfall #2 - Jumping into Fixer Uppers

We've all heard of people who've made millions buying shambled houses, fixing them and then "flipping" them. While this can be a very profitable model, it also has its pitfalls.

The biggest mistake novice investors make is buying a fixer-upper without having the skills or experience to complete the project. Unless you can predict how much your repairs will cost, how much you can sell the property for and then work your way backwards to what the selling price must be in order to be profitable, then you're not ready for a fixer upper.

Fixers aren't the only way to make a profitable deal on a foreclosure. Investors who are just starting out should stick to these kinds of deals.

Pitfall #3 - Not Performing Good Research

Good research is a key component to being profitable in the foreclosure market. You need to know the market in the area you are selling in. You should know what the trends in the area are, including community projects, new buildings that are being built, crime rates, etc.

Do not neglect to have the house inspected. If you're bidding on multiple properties at an auction, it's important that you actually step foot in all the properties you plan on bidding on before you bid on them.

These are just three common pitfalls which which trap investors. You'll set yourself ahead of most beginning foreclosure investors in,by avoiding these pitfalls.

It's very easy to obtain information free of charge pertaining to investing inSt Augustine real estate and property sales. For complete information about the St Augustine Property values and more please visit the most complete website online dedicated to everything St Augustine real estate at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

St Augustine Buyers Agent Sharon Stevens' Guide to Buying a Home in St Augustine for the First Time Home Buyer

Thu, 17 Feb 2011 20:52:17 -0800

St Augustine Buyers Agent Sharon Stevens' Guide to Buying a Home in St Augustine for the First Time Home Buyer

Buying a home for the first time can seem like an overwhelming task. Youíre making the biggest financial decision of your life, and there is so much to consider. It helps a lot to understand the process from beginning to end. In this article, Iíll walk you through the entire process of buying a house in St Augustine so that your entire home buying experience will go more smoothly.

Step #1 Getting Your Mortgage Pre-Approved

As we both know, lenders arenít nearly as lenient as they used to be. Itís important to find both a good lender and a good loan officer to handle your loan, preferably before you even go out to see properties.

The loan officer will usually want to know what your assets are, what your credit score is and your debt to income ratio.

Step #2 Finding a Home You Like

The next step in the process is to find a home in St Augustine that appeals to you. Make sure you see a good number of houses before you make your decision, so that you know what the options are.

Step #3 The Offer and Negotiation Process

Crafting a good offer is vitally important. Itís important to work with a Buyers Agent who understands how to choose contingencies, clauses, the right amount to offer and good negotiation strategies.

Once youíve made your offer, the seller will usually make a counter offer. Itís rare that the seller will accept your offer up front. Once you both come to an agreement on the price and terms, the contract becomes binding.

Step #4 Completing the Home Purchase

Once the contract has been agreed on, then you must complete the home inspection and the seller will make any necessary repairs.

Then your loan will be finalized with your loan officer. Finally, closing or escrow is where all the documents are signed, the deed and title are signed over, the seller is paid and the keys are handed over.

In brief, that is what the home buying process looks like in St Augustine. There is a lot of free information available to you about buying real estate in St Augustine. For complete information about the St Augustine real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything St Augustine real estate, at NorthFloridaHomeSearch.com . Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions.

*Member of NAEBA (National Association of Buyers Agents)

Tips On Managing Risk In The St Augustine Real Estate Market by Sharon Stevens Exclusive Buyers Agent

Wed, 16 Feb 2011 22:12:15 -0800

Tips To Managing Risk In The St Augustine Real Estate Market by Sharon Stevens Exclusive Buyers Agent

Investors have a hard life. Rising insurance rates, legal liability, security concerns and increasing interest rates may not be actually conspiring to give them early heart attacks, but it can seem that way. Managing risk in St Augustine is in a large part, all about how to lower uncertainty by dealing appropriately with those and other stress factors.

Start by exercising common sense and gathering as much information about the St Augustine real esate market and the general economy in addition to the specifics on an interesting property. Study the numbers on rates of new home construction and the ratio of new to existing property sales. Narrow it down to your different St Augustine market(s) by looking online at existing comparables, but also talk with other local property owners about their concerns and plans.

When building new structures, manage risk by reviewing trade area demand — by demographic and daytime population for commercial structures, for example. Look also at site characteristics and examine local competition and contrast with regional differences. Take some time to find out about upcoming environmental regulations.

Be sure to set aside the needed amount for insurance, and err on the side of too much insurance rather than too little, if minimizing risk is an important goal.

Go into a deal with the maximum available capital by not spreading your resources too thin. Keep borrowing low and avoid ARMs (Adjustable Rate Mortgages) unless they're longer than three years and you expect to sell well within that period. ARMs are inherently higher risk, and the 'interest only' type even more so. Rates tend to rise more quickly than they fall, over the long term.

If you have an ARM and rising monthly payments occur, due to interest rate increases, while the market price is dropping (as may soon be the case), consider selling. Even stocks have to be sold sometimes during a period of declining prices. Capital preservation is important for long term investing, and part of that involves keeping liquid during a 'market correction'.

Some lenders allow borrowing more than 100% of the value of the property. Unless you can use the extra cash in a way that more than compensates for interest and other charges, that's burdensome debt.

Take the time to seek out trustworthy and competent people — don't settle for an uncooperative or arrogant Title company or an unreliable contractor because you're busy. Think in terms of long term relationships. Otherwise, the long term will involve counting financial losses.

Risk can be spread by forming partnerships and, in come cases, by incorporation. Incorporation can allow you to separate personal from business assets, protecting you in case of severe decline. But there are limits — you don't automatically get to walk away from debts by being incorporated. Partnerships though, if you can find reliable and compatible individuals with whom you'll feel comfortable over the long haul, can strengthen your position.

Partners can help fill in gaps in your knowledge and experience, provide additional capital and someone to bounce ideas off of. But choose carefully. Differences of outlook can lead to stagnation when it comes time to take action. Remember, risk can never be reduced to zero.

There is a lot of free information available to you about buying or investing in St Augustine real estate. For complete information about the St Augustine real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything St Augustine real estate at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

Three Quick Tips About Hiring a Contractor in St Augustine by St Augustine Exclusive Buyers Agent Sharon Stevens

Mon, 14 Feb 2011 23:01:21 -0800

Three Things you should Know About Hiring a Contractor in St Augustine, by St Augustine Exclusive Buyers Agent Sharon Stevens

In this article, we'll go over three necessary things you need to know about working with contractors to guarantee the most cost-effective, most timely, and highest quality work.

Tip one - Be Extraordinarily Express

When you are asking for a bid or when you are talking about a job with a contractor, be extraordinarily really explicit about what you're trying to find.

After you have concluded on a number, you need to also be very meticulous about being explicit in what you put in writing.

Taking this care will guarantee you get precisely what you need, no more and no less.

Tip two - Find a Good, Trustworthy Contractor

Get an understanding of the standard of the contractor's quality of work and integrity. Don't just decide based mostly on cost.

If your contractor is experienced, they should have references you can check. Check them.

Once you find a contractor you may need to work with, double check their license with the Secretary of State internet site. Remember, you're trusting your property with this person, so it fully makes perfect sense to do careful due diligence previously.

Tip Three - Paying a Contractor

In general, it works in your favor to pay your contractor by project rather than by hours.

Rather than overpaying because your contractor billed by hour, agree to pay per project only.

Once a contractor has been paid, often times they will not finish the job or the completed work will be of lesser quality. Even if the contractor asks, don't pay release payment for the job till the work is complete.

There is plenty of free information available to you about purchasing or investing in St Augustine real estate at my website at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

Number One "Trigger" to Quickly Get a Buyer to Make an Offer on Your House in St Augustine by Sharon Stevens - St Augustines ONLY Exclusive Buyers Agent

Sun, 13 Feb 2011 22:44:34 -0800

Number One "Trigger" to Quickly Get a Buyer to Make an Offer on Your House in St Augustine by Sharon Stevens - St Augustines ONLY Exclusive Buyers Agent

What is it exactly that sells a house? Is it the price? Is it design? Is it the kitchen, bedroom, or the bathroom? In reality, it's none of these. What really sells a house are the buyer's emotions. In order to sell your house quickly, it's very important to learn to trigger your buyer's emotions. Based on years of experience in the [Profile.market2] real estate market, here I'll share with you some of the best ways I know to get an emotional response from a buyer.

Appealing to Emotions - The First Impression

The first impression of your house will most likely be the most powerful impression you'll make on your buyer.

The first impression isn't a conscious, rational decision. When a buyer first sets eyes on your house or sets foot in your house, your buyer will immediately have a reaction. That reaction could be a "Wow!" reaction, or a "There's nothing special here" reaction.

To get that "Wow!" impression, it's important to create the best impression possible.

Creating the Best First Impression

Your front yard, the exterior of your house and what your buyer first sees when he/she enters your house is crucial.

Imagine if your front yard was poorly kept. What would the buyer think? Naturally, the buyer would assume the rest of the house was kept equally poorly. Likewise, if the front yard is kept spectacularly, they would assume the same about the interior.

Again, this usually isn't a conscious process. Your buy will just make an immediate, emotional decision instead.

Inside the House

Needless to say, once your buyer is inside everything should be in spectacular condition. The tiles should be clean, the house should be well lit and anything that needs to be repaired should be repaired.

It also helps a lot to have a focal point. For example, an unusually beautiful ceiling. Or perhaps an amazing balcony. If there isn't naturally a focal point, you could drastically increase your chances of a sale by creating one.

There is a lot of free information available to you about buying or investing in St Augustine real estate. For complete information about the St Augustine real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything St Augustine real estate at NorthFloridaHomeSearch.com

*Member of NAEBA (National Association of Buyers Agents)

Home Loans in St Augustine Florida - By Sharon Stevens, St Augustine's ONLY Exclusive Buyers Agent*

Sat, 12 Feb 2011 09:07:16 -0800

Shopping For a Home Loan in St Augustine Florida - By Sharon Stevens, St Augustine's ONLY Exclusive Buyers Agent*

Next to shopping for the home in St Augustine itself, shopping for the home loan can be just as cumbersome. For such a large amount of money, you want to make sure you are getting the best deal possible.

Loan Elements

There are four key elements of your home mortgage payment: the principle, interest, taxes, and insurance. The principle is the amount of money that your are borrowing, less any down payment made. The interest is the cost of borrowing, expressed as a percentage of the total amount that you borrow. The money for your property taxes are put into an escrow account until it is time to pay them. Home insurance is required by most lenders. If your down payment was less than 20 percent, you will also be responsible for paying private mortgage insurance.

Types of Loans

There are several different kinds of home mortgages from which you can choose. The major factor to use in the decision of which home mortgage to borrow is the length of time that you plan to be in your home. For example, if you plan to remain in your home for a long time, a fixed mortgage is perhaps the best mortgage to choose.

The two major kinds of home mortgages are fixed-rate and adjustable-rate. As the name suggests, a fixed-rate mortgage, FRM, has an interest rate that doesn’t change over the life of the loan. Your monthly mortgage payments will never change. FRMs are typically available for 15, 20, or 30 years. With an adjustable-rate mortgage, ARM, the interest rate varies depending on current market rates. In most cases, the initial interest rate for an ARM is lower than that of the FRM. If you are interested in lower monthly payments for the first few years of your loan, an ARM is a good choice.

A balloon mortgage is yet another type of home mortgage loan that you can obtain. This type of loan has a lower initial interest rate for five to seven years. After that time, the entire balance of the loan is due, hence the term “balloon” mortgage. Balloon mortgages are best if you are planning to sell your home, refinance it, or pay it off prior to the balloon payment due date.

Choosing a Loan

Now that you know the components of your home mortgage and the types of home mortgages you can choose, how exactly will you make a final decision? This will depend entirely upon your personal situation. As mentioned previously, the length of time you plan to live in the home is a key factor. You should also consider your career and salary for the length of time you will have your home mortgage. Do you expect your salary to remain the same or increase the length of your loan? Are you comfortable with the uncertainty an ARM can present as far as monthly home mortgage payments?

Also consider the cost of the loan. What is your interest rate for the loan? Consider also the fees charged by the lender. You may be able to negotiate a waiver of some of the fees. Ultimately, you want to pay the least amount of money for a home mortgage loan.

There is a lot of free information available to you about buying, selling or investing in St Augustine real estate. For complete information about the St Augustine real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything St Augustine real estate at NorthFloridaHomeSearch.com. And for a short list of the St Augustine Mortgage Lenders that I recommend vist my website at St Augustine Mortgage Lenders

*Member of NAEBA (National Association of Buyers Agents)

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Number One "Trigger" to Quickly Get a Buyer to Make an Offer on Your House in St Augustine by Sharon Stevens - St Augustines ONLY Exclusive Buyers Agent

Home Loans in St Augustine Florida - By Sharon Stevens, St Augustine's ONLY Exclusive Buyers Agent*