sharon stevens: Tips For First-Time Home-Buyers In St Augustine Florida By St Augustine Exclusive Buyer Agent Sharon Stevens - 02/03/11 12:53 PM
Getting a loan can be easier than you might think if you go into it prepared. For the first time buyer, itís important to prepare for your application properly, so that youíre more likely to get approved and so that the whole process will go smoothly. In this article, weíll talk about how to best prepare for your loan application.Step 1  Improve Your Credit Before You Apply (Optional but Recommended)If youíre applying 1-2 months before your purchase, it could be difficult to improve your credit. However, if you know youíll be buying your house in 6 months, itís a great idea … (0 comments)

sharon stevens: Buying A Home In St Augustine? House Price Vs. Interest Rate: Which Is More Important? - 02/02/11 01:22 AM
Buying A Home In St Augustine? House Price Vs. Interest Rate: Which Is More Important?
 
I assist many home-buyers in the St Augustine area to purchase their new home.  One of the questions I am asked most often is......Is this the bottom of the market?  Or....When is the bottom of the market?  Ah...if only we had a crystal ball! 
What I try to explain to them...there are many other factors to consider other than the price of the house.  We forget how important a factor the interest rate can also be.  Is it worth it to wait for a possible … (0 comments)

sharon stevens: Villages of Valencia Homes For Sale In St Augustine (Woodside Homes) - 05/01/10 06:13 AM
Villages of Valencia Homes For Sale in St Augustine

I recently attended a Realtor luncheon at Villages of Valencia In St Augustine hosted by the site agent, Katrina Watkins, and had the opportunity to review all of their models and floorplans. (Thanks for the lunch, Katrina,... Gypsy Cab Catering is the best...love the chicken marsala!).
Villages of Valencia In St Augustine currently has pricing starting at $139,900 (WOW!) with floorplans ranging from 1249 SqFt up to 2208 SqFt. Both one and two-story plans are available. All include a 2-car garage of course.
Woodside Homes offers a Closings Cost Paid … (0 comments)

sharon stevens: Twin Lakes Homes For Sale In St Augustine (DR HORTON) - 04/29/10 11:55 AM
Twin Lakes Homes For Sale In St Augustine

To everyone that was anxiously awaiting the model to be opened at Twin Lakes... your wait is over! I stopped over this past week and met with Todd Hawkins, one of the site agents of Twin Lakes.
The model is of the Sebring.. one of 11 different floorplans that are available, sizes range from 1206 sqft all the way up to an amazing 3402 sqft with the Captiva II floorplan. Prices start at an unbelievable $129,990.
Twin Lakes is in an excellent location...close to the shopping areas and Historic Downtown of … (0 comments)

sharon stevens: Heritage Park Homes For Sale In St Augustine (Lennar Homes)... Builder Close-Out Specials!! - 04/26/10 02:17 PM

 
Heritage Park Homes For Sale (Lennar Homes -  Builder Close-Out) Check out the great community of Heritage Park Built By Lennar Homes!
Lennar has less than 40 lots left in Heritage Park to build your dream home. There is still time to pick your lot, pick your floorplan and colors and lets get ready to build!
Amenities for Heritage Park include a community clubhouse with pool, fitness room, kids play room, WiFi, kitchen, library, card room, cabana, restrooms, 2 volleyball courts, 3 soccer fields, 3 playgrounds, 6 tennis courts, 4 basketball courts, 2 baseball fields, boardwalks and nature trails.
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sharon stevens: Credit Scores Part IV-Credit Remediation - 04/24/10 01:39 PM
 
 
Credit Scoring, Part IV
Credit Remediation If you are in need of credit remediation, you should seek to align yourself with a credible referral source for credit repair. While government web sites will suggest that self-help may be the best option, keep in mind that for the most part these people lack discipline when it comes to spending and making payments. They are not likely to have the diligence to research and remedy their own credit problems. The Federal Trade Commission regulates credit repair services, and they provide free information to help consumers spot, stop, and avoid businesses with … (1 comments)

sharon stevens: Credit Scores Part III-Dealing With Challenges - 04/23/10 01:34 PM
 
 
Credit Scoring, Part IIIDealing with Challenges Typically, a person with a bad credit score is in this position because they lack structure in their life. There are, of course, cases where unplanned health or employment complications are to blame, but for the most part, these are individuals who lack the discipline to pay their bills on time or curb their spending. This is your opportunity to be the "knight in shining armor" that provides them with a simple roadmap to get back on track.
 
Let’s take a look at some examples that can help improve less-than-perfect credit scores … (1 comments)

sharon stevens: Credit Scores Part II-The Five Factors Of Credit Scoring -Part - 04/21/10 03:17 PM
Credit Scoring, Part IIThe Five Factors of Credit ScoringThere are five factors that comprise the credit score. These are listed below in order of importance, just as an underwriter will look at the score:
 
    Payment History: 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact. Missing a high payment has a more severe impact than missing a low payment. Delinquencies that have occurred in the last two years carry more weight than older items.
Outstanding Credit Balances: 30% impact. The ratio marking the difference between the … (1 comments)

sharon stevens: Grand Ravine Townhome-Style Condominiums In St Augustine - 04/16/10 03:46 PM

 
Grand Ravine Townhome Style Condominiums. A Luxury Condomimium Community in St Augustine.
Nestled on 34 acres, surrounded by a conservation preserve, this community is located just minutes away from restaurants, Anastasia Island, shopping and of course the historic St. Augustine district. Stroll along the brick paver ...sidewalks; enjoy a quick dip in the intimate pool or the privacy of your screened covered lanai. This community boasts exquisite interior finishes, exceptional quality construction, energy efficient features all at unbeatable prices!! Poured Concrete Construction, barrel tile roof system, paver driveways, patios and walkways. Granite countertops, 42" cabinets, crown molding, tray ceilings … (2 comments)

sharon stevens: St Augustine Real Estate Monthly Radio Interview For April - 04/16/10 09:22 AM
St Augustine Real Estate Monthly Radio Interview For April
My April podcast interview is done! Lend me your ear............
 
St Augustine Real Estate Monthly Radio Interview
 
This month's edition covers St. Augustine real estate market activity and with this being the last month for the $8,000 tax credit extension, we'll discuss how buyers and sellers are taking advantage of this opportunity! Features special guest Terri Murphy of US Learning and Sharon Stevens of NorthFloridaHomeSearch.com.
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sharon stevens: New! Map-Based MLS Search For St Augustine! - 03/05/09 12:25 PM
Are you frustrated when searching online to try to figure out exactly where the house is located and what the neighborhood is like?  Your days of frustration are over!
CHeck out my new map-based MLS search on my website.  Now you will be able to know exactly where the house is located and investigate the neighborhood!
 
NorthFloridaHomeSearch.com
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For Buyers Only Realty, Sharon Stevens & Dwight Cole (FOR BUYERS ONLY REALTY )

For Buyers Only Realty

Sharon Stevens & Dwight Cole

Saint Augustine, FL

More about me…

FOR BUYERS ONLY REALTY

Address: Wife-Husband Team of, Exclusive Buyer Agents, St. Augustine, FL, 32080

Mobile: 904-687-5220

Mobile: 904-466-4630



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