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Articles Tagged "Home buying"

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November
28

Home Projects

Autumn is in full swing, which means the year is drawing to an end. If you're like a lot of homeowners, you started off the year with a long list of home improvement projects, and you didn't complete as many as planned. But have no fear — there's still time to turn things around. Our real estate agents are excited to share some quick home improvement projects you can still complete by the end of the year.

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October
3

Barn Door Tips

Barn doors look lovely in country chic homes and even in some cottage-style houses. They work well as closet doors, pantry doors, and even as laundry room doors. While there are plenty of pre-made barn doors for sale, making your own barn door is a fun project — and a great way to personalize your new home! Follow these steps from our real estate agents to make your own barn door.

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July
18

Real Estate Tips

Over the last couple of years, we've seen record low inventory, significant demand, and low-interest rates, which have created an unprecedented seller's market. While rising rates are expected to cool things off a bit, sellers are still very much in the driver's seat.

However, our real estate agents say buying a home in this market isn't impossible. Buyers just have to adjust their approach. It's also never been more important to have an experienced real estate agent in your corner. An agent is critical for navigating the complexities of today's market and avoiding costly pitfalls. Here's why:

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June
27

pantry tips

People often say that the kitchen is the heart of the home. But the pantry is a close contender! As the place where you store your snacks and cooking ingredients, your pantry deserves to be an organized, efficient space. You'll love being able to open the door and find what you need in an instant without having to search multiple shelves. So, how do you go about organizing a pantry? Our real estate agents have broken this task down into seven steps, which are presented below.

  1. Sort Through Everything
    Before you start putting items into place, pull everything out of your pantry. Sort through your items, throwing away products that have expired. If there are foods you know that you'll never use, donate them or give them to friends.

    With the extras gone, make a list of the products that remain. If there are items you use regularly but don't have on hand right now, make a trip to the store to purchase them. Then, add them to your list.

  2. Categorize Your Items
    Look down your list, and start dividing your items into categories. Good categories to include are spices and seasonings, pasta and dried goods, canned goods, baking ingredients, and sauces. Once you've categorized your list, move your actual items into piles based on how you categorized them on paper.

  3. Transfer Open Items Into Clear Containers
    It's hard to maintain an organized pantry with a bunch of half-empty bags and boxes. Plus, opened boxes attract pests. So, invest in some clear containers and empty those boxes and bags into them.

    There are lots of good brands that make clear, plastic, and glass pantry containers. Pick containers that are stackable and easy for you to open.

  4. Label Your Containers
    Even if you can see into the clear containers, labels make things more clear. You'll also have an easier time figuring out what you need to buy to fill empty containers. If you have a label maker or can borrow one from a friend, that's awesome. Otherwise, you can make your own labels by writing, with markers, on white stickers.

  5. Line Your Shelves
    Before you put your containers back into the pantry, use a stick-on shelf liner to line your shelves. Our agents have seen this in some Bradenton homes for sale and Sarasota homes for sale, and it really does make pantries easy to clean. Choose a cute pattern or a solid color that matches your pantry walls. The shelf liner should come with application instructions on the package.

  6. Organize Your Shelves
    Decide on a shelf for each category of items. You'll want to put items you use more often on shelves close to eye level. Those that you use less often can go further down where you have to bend to reach them. For example, if you only bake a few times a year, your baking items can likely go on the bottom shelf.

  7. Add a Few Extras
    Once all your food is back in the pantry, it is time to add a few extras to help keep the space more organized. Consider mounting a marker board on the pantry door. You can use this to keep track of your shopping list. Find a bag holder to mount to the pantry door, too. This will give you somewhere convenient to stick plastic bags when you get home. Add any other extras you think may come in handy, too.

If you spend the weekend organizing your pantry, you'll save so much time when you cook and snack later on. Contact us if you're still looking for the perfect home — and pantry — to call your own.

June
20

Pool Tips for Summer

Having a pool gives you a quick, enjoyable way to cool off in the summer. We've seen so many lovely Bradenton homes for sale and Sarasota homes for sale with pools. If you buy a home with a pool, you should know there are plenty of ways to customize your pool and pool area, making it feel more like your own. Here are a few features to think about adding.

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March
14

DIY Projects

When you're first settling into a new place, you may not want a lot of projects on your plate, but a few carefully chosen DIY projects can help your new house feel like home. Here are a few quick and relatively easy projects our real estate agents recommend for helping you feel at home.

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December
27

Florida Vacation Home

With its amazing weather and beautiful beaches, it's not hard to see why purchasing a vacation home in Florida is the ultimate dream for thousands of people all over the world. Not only is a Florida vacation home a great escape, but it's also a fantastic investment. Florida is a hot real estate market, and it's easy to generate rental income from a second home when you're not using it

If buying a Florida vacation home is one of your New Year's resolutions this year, here are some tips from our real estate agents on how to find the right dream home for you:

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October
25

down payment

Saving up for a down payment can be one of the most challenging parts of buying a home, especially for first-time buyers. Here are seven tips our real estate agents recommend to help you save for a down payment on your dream home!

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August
23

Real Estate Market

It's a hot market, and you're looking to buy or sell a home among Sarasota homes for sale or Bradenton homes for sale. While an agent can help you in any type of real estate market, their help is especially critical during a hot market. Here's why.

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August
9

Stress Free Move

Moving can be stressful, but does it have to be? It's never too early to think about how you'll make moving easier, even as you're just starting to look at Sarasota homes for sale. By following these guidelines from our real estate agents, you can stay organized and hopefully avoid any big surprises on your moving day.

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May
10

Gated Community

Everyone wants safety and security for their homes, but before you assume a particular gated community is right for you, it's important that you understand all the rules and restrictions that accompany that security. Our real estate agents can help you make the right decision based on your lifestyle. There are several basic types of gated communities. Each has its own pros and cons.

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December
28

Move to Sarasota

Would you like to wake up every day and feel like you're on vacation? Then a move to Sarasota may be just what you need. Our real estate agents love welcoming new residents to Sarasota. Even those who have lived in Florida their entire lives are wowed at the beautiful beaches, spectacular shopping, and laid-back lifestyle of this Gulf Coast city. There are dozens of reasons you should move to Sarasota in 2021; here are five of our favorites.

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July
31

Competitive Market

If you're looking to buy a home and have found one that you love, that's great news, but we are in a competitive market, so you'll need to make your offer stand out from any others that come in.

Our real estate agents love helping people find a new place to call home in the Sunshine State. With the real estate market being as hot as the Florida summer weather, we suggest the following five ways to make sure your offer stands out. 

  1. Keep it Simple
    Make sure that when you make an offer on a home, it's simple. The contract that's most appealing to the buyer is based on price, of course, but also on the number of contingencies it has, and the fewer the better. Common contingencies include your ability to obtain financing or a painting allowance so you can pay to have the home repainted, but in a competitive market, it's best to make your offer as straightforward and simple as possible.
  2. Show That You Can Afford the Home
    Contact a mortgage lender early in the home buying process so you can be pre-approved for a mortgage. Our mortgage partner, HomeBridge Mortgage, provides buyers with a pre-approval letter that can help you submit your offer in the best possible light. You'll receive a pre-approval letter that indicates the amount and type of mortgage you can qualify for based on your financial situation and credit history. This type of documentation demonstrates that you can successfully obtain the mortgage and close on the loan. If you won't be getting a mortgage but will instead be paying cash for the home, submit proof of the funds along with your offer.
  3. Make Your Inspection Period Short 
    You'll want to have a licensed inspector check out any home you're thinking about buying. This includes a close look at the home's structure as well as systems such as the heating and air conditioning to determine if they have any problems. You'll want to talk to your REALTOR® to be sure that you have a plan in place for having a timely home inspection. That way, if the inspection comes back showing problems and you decide not to buy the home, the seller can put the home back on the market more quickly.
  4. Make Your Best Offer on Price  
    You may assume that if the home seller thinks your offer isn't high enough, they'll make a counteroffer. But especially in a competitive market, this may not necessarily be true since the seller may receive other offers that are higher. If you don't make your initial offer your best one, you may not get another chance.
    It's essential to work with a REALTOR® in today's highly competitive real estate market. Contingency clauses are becoming more common and navigating them successfully takes the expertise of a REALTOR®.
  5. Write a Letter to the Seller  
    It can help to write a cover letter along with your offer so you can explain why you love the seller's home. Let the seller know what you appreciate about their home and give them a glimpse into how you'd love living there. Just make sure to let your real estate agent approve the letter so you don't accidentally violate Fair Housing laws.

Contact us at Wagner Realty today to see Bradenton homes for sale and Sarasota homes for sale and let us help you with your search. We'll help you make an offer that stands out in a competitive market and gives you the best possible chance of buying the home you want.    

April
22

Buying a House as a Married Couple
Everyone's "dream home" looks a little different, but what happens when you try to merge two different pictures? House hunting as a married couple is easier than going solo because you have emotional and financial support throughout the process. If you and your spouse have different ideas about your future digs, it's important to find out now and figure it out.  Keep in mind, compromise isn't always easy when you're making the most significant purchase of your life. 

At Wagner Realty, our real estate agents are committed to simplifying your search for a home. We know how important it is to find a house that works for both you and your spouse. As you prepare to embark on a house-hunting journey, here are some home-buying tips to help you avoid common conflicts:

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March
4

First Home Buying Budget

Buying a new house can be a long, costly process, and preparing as much as possible will make it easier. You can avoid unexpected expenses and find a place to live that's affordable and comfortable for your family. Here are some tips from our real estate agents to help you budget your way into your first home.

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January
28

Buying a Home Closing Day Surprises

Transferring the ownership of a home at closing can be confusing. Even though real estate closings take place daily, the paperwork and costs that ensure that your property transfers legally can often be met with surprises if you're not prepared.

Our real estate agents are here with an explanation of what costs to expect at closing so you are not caught by surprise.

Closing Costs: No Surprises

In any real estate transaction, buyers and sellers should understand each closing cost component before coming to the signing. Some items can be negotiated before the closing to determine who pays.

Typical costs that may appear on your real estate closing statement are:

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August
9

Buying a House When You Have Kids
Buying a home is often a time filled with both excitement and anxiety, and if you are a family with children, those feelings can be even more intense. With kids, your house hunting strategy will be different than that of a single person or a retired couple. Our REALTORS® in Sarasota understand the ins and outs of the housing market, and we've put together a checklist of things to consider as you prepare to find your family's dream home.

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July
30

Home Buying Lessons
Buying a home is a huge deal especially for first-time home buyers. Apart from being the single biggest purchase you will ever make, the process itself can be complicated. When you work with one of our real estate agents from Wagner Realty, we will always be on hand to help guide you through the entire process. Below are the key lessons to learn today to help make your home-purchase journey a little less stressful.

Put Aside Your Down Payment Money

It's common for lenders to require you to put down 20 percent as down payment for your new home. Although many lenders allow as little as 3 percent for first-time home buyers, committing anything less than 20 percent will mean higher loan costs and additional private mortgage insurance fees. Save enough money for your home's down payment using several savings schemes such as setting aside work bonuses and tax refunds or having an automatics savings plan.

Explore All Your Down Payment Options

As a first-time home buyer, you have several down payment options available to you if you cannot raise the deposit money. These are:

  • Federal mortgage programs offer loans with only three percent down
  • Federal Housing Administration loans permit 3.5 percent down payments
  • Veteran Affairs loans sometimes require little to no down payment at all
  • Crowdfunding or asking family members to pitch in

Check Your Credit

Your credit is a key factor in determining whether or not your home loan is approved. Moreover, it will determine your loan terms and interest rate. Therefore, work to improve your credit score in advance and offset outstanding debts early.

Pick the Right Home

Always consider everything you are looking for in your dream home when shopping around for one. Here:

  • Pick the right location and neighborhood
  • Consider crime and safety statistics
  • Check out noise, traffic, and activity levels
  • Look out for the nearest hospital, grocery store, pharmacy, school district, and other amenities

Budget for Closing Costs

After making an offer and starting the process of closing the deal, you need to account for closing costs that can run from two to five percent of your loan amount. Here, our real estate agents can help you shop around for affordable options to minimize some of your closing expenses such as title searches, home inspections, and homeowners insurance.

Take Your Time

Perhaps one of the hardest lessons on this list, but taking enough time to look for your dream home and shop around for all the services you will require throughout the buying process is essential. Try to minimize your frustrations and manage your emotions because making rush decisions can easily lead to buyer's remorse.

Be Prepared to Compromise

Making a strong offer is not a guarantee that you will close the deal. As issues arise from the home inspection and appraisal processes, be prepared to make compromises with the seller on certain things. However, too many compromises may result in high renovation costs.

Find a Great REALTOR®

When looking for homes for sale in Manatee and Sarasota Counties, it is important to hire the services of a professional buyer's agent to help you through the buying process from your home search through moving day.

Contact Wagner Realty today to get started buying your Flordia dream home.

Contact Wagner Realty

April
19

5 Tips for Making an Offer to Buy a Home

Tips for Making an Offer to Purchase

So you've fallen in love with the perfect house. Your dream home is waiting, and now the ball is in your court. Knowing how to make the right impression with the seller is an important element in negotiating an agreeable selling price and ensuring that your prospective new home doesn't slip away and into someone else's hands. Our real estate agents have the experience and know how to help you make an offer that's hard to refuse, and we've put together a few suggestions that could give you the advantage in sealing the deal.

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April
6

Getting Your Finances in Order to Buy a Home

Get Right on the Money to Buy a Home
Preparing to purchase your first home starts long before you choose a REALTOR® or fill out a loan application form. You've probably started the process without even knowing it by graduating from school, accepting your first job, and financing a car.

There's something you should know before we get started: lenders typically base their loan approval on two things:  

  1. a buyer's ability to make an acceptable down payment and
  2. the buyer's credit profile.  A good credit profile shows the person's ability to make timely, ongoing monthly payment.

Before you begin the loan application process, it's important to get your finances in order to buy your first home.

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December
12

Buying Your First Home in 2018
2017 has been a busy year for home buyers and 2018 seems like it will be booming too. 

While some people will shy away from getting involved in such a busy housing market, first-time buyers should be excited! First-time buyers have some major home-buying advantages.  There are many state, county and municipal assistance programs available for first-time home buyers.  In addition, time is also on the side of the first-time buyer. Since you don't have to worry about selling an existing home before you move, you can gather information and take action on your terms.

Let's focus on the top ten things you can do to get off to the right start.

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December
27

Tips for Buying Your First Home

First-time buyer tips from the pros

Buying your first home is an important life milestone. The process requires your patience, dedication, and financial commitment. You must think differently and consider factors that may not have been important before now.

The good news is that our REALTORS® know what it takes to find a home that's right for your family. When it's time to search for your new home, we'll help you through the process. Our Real Estate Guide for Buying Your First Home provides a to-do list to help you prepare for your home buying experience.

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October
18

10 Traits of a Great Neighborhood
Finding the right home may be your top priority as a shopper, but identifying the right neighborhood is just as important for landing a home you'll love long-term. Our REALTORS® know what it takes to become a neighborhood expert, and we've compiled the top 10 traits of a great neighborhood.

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September
26

Home Preparedness
When you own a home in an area that could be affected by hurricanes, it's important to plan ahead to prepare both your home and all of the people in your household.

Hurricane damage can cut homeowners off from important services like electricity, internet, phone, and water. These risks are present no matter the strength of the hurricane affecting homes both inland and directly on the coast. While there is no way to eliminate the risk of hurricane damage, there are plenty of steps you can take to make sure that your home is prepared.

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September
19

Home Buying for the Single Mom
If you're a single mother, the idea of buying a house can seem like an unreachable dream. The Bureau of Labor Statistics for 2016 show that women still earn less than men. As the custodial parent, you must stretch fewer dollars to meet increasing financial obligations. Homeownership can seem unrealistic under such tight financial circumstances.

Our REALTORS® understand your concerns and we want to help. We believe that buying a house should be an attainable dream, so we've compiled a list of resources to help you reach your goal.

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July
20

Battling Bidding Warts
Sarasota, Florida has it all--beautiful weather, amazing amenities, and a community with something for everyone. It's no surprise that, when buying a house, you might find yourself in a situation where the home you want has multiple bids.

It may seem like the only thing you can do is raise your offer and hope for the best. Sometimes doing just that is the simplest way to get a seller's attention. Still, it's not your only option.

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June
26

How Sarasota Celebrates the Red, White and Blue

July 4 Events Sarasota

When the night sky lights up this Fourth of July, where will you be? For families with homes in Sarasota, it's hard to get this answer wrong. Siesta Key's explosive Independence Day celebration has drawn thousands for the past 26 years, but the country's best beach isn't the only place to be on Tuesday, July 4. Our gardens, parks, and restaurants also offer world-class waterfront views and patriotic celebrations this Fourth, so you can choose your view every year.

If you live or plan to buy a house in the Sarasota-Bradenton area, just pick which body of water you want to see sparkle, and settle in for a full day or evening of Fourth of July fun. Here are some of our favorite spots to celebrate:

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