tag:blogger.com,1999:blog-66272513592952078822023-12-13T15:18:52.940-08:00Jill's Team-RealtorRealtor /Consultant in Florida
Easystreetrealty-Tampa Areajill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.comBlogger45125tag:blogger.com,1999:blog-6627251359295207882.post-69081927696473716952020-11-24T09:19:00.003-08:002020-11-24T09:31:48.811-08:00New Listing - Palm Harbor Updated Home <p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_ZnP3H6zR2euu-z8gTvsEea7KDwOHlBmuwwHPtzDkfZC1JlbsYWvLoqNd5s_zHdUcHWu2OeUnmPArEdJtOZp28XfyPF3Gt9Svr3VTMTDGt6YBEzREYxsbC9ObnbJvTF_Z1EsMQcw72X0/s1003/4940+for+sale+flyer.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1003" data-original-width="700" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_ZnP3H6zR2euu-z8gTvsEea7KDwOHlBmuwwHPtzDkfZC1JlbsYWvLoqNd5s_zHdUcHWu2OeUnmPArEdJtOZp28XfyPF3Gt9Svr3VTMTDGt6YBEzREYxsbC9ObnbJvTF_Z1EsMQcw72X0/w444-h640/4940+for+sale+flyer.jpg" width="444" /></a></div><br /> <p></p>jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com04940 Cardinal Trail, Palm Harbor, FL 34683, USA28.1219237 -82.7689577-0.18831013617884551 -117.9252077 56.432157536178849 -47.6127077tag:blogger.com,1999:blog-6627251359295207882.post-80461386536300801582020-03-15T18:34:00.002-07:002020-03-15T18:34:51.193-07:00SAME PRICE ONE YEAR LATER PAYMENT LOWER. HOW??????<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWW23_-24-2yXQuAnmD2H8W3j4vgaK2GkVaPRE9f83osjWjrf2PoTMdthm3gUM0omCfQvHp_jxfTrAYhC46SjRL5hkaWGGDTmSYnXJSJt3_WjpvKwykayAFRSAh9decgMPX1IzngZ0xNE/s1600/+new+mortgage+rates+2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="578" data-original-width="806" height="229" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWW23_-24-2yXQuAnmD2H8W3j4vgaK2GkVaPRE9f83osjWjrf2PoTMdthm3gUM0omCfQvHp_jxfTrAYhC46SjRL5hkaWGGDTmSYnXJSJt3_WjpvKwykayAFRSAh9decgMPX1IzngZ0xNE/s320/+new+mortgage+rates+2.png" width="320" /></a></div>
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SAME PRICE ONE YEAR LATER<br />
PAYMENT LOWER. HOW??????jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com2tag:blogger.com,1999:blog-6627251359295207882.post-91571597687348269372020-03-04T08:51:00.004-08:002020-03-04T08:51:57.931-08:00Contracts<br /><a href="https://www.floridarealtors.org/law-ethics/library/florida-real-estate-contract-laws"> https://www.floridarealtors.org/law-ethics/library/florida-real-estate-contract-laws</a>jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-89063942496418560382020-02-25T18:28:00.003-08:002020-02-25T18:28:31.349-08:00Buyer Checklist<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIhgZ7rv_tDx7tZL22qb8IAUbApuJnSdKIVF37O2hr3tSuRVpL0OmPGcUyP9XuanyI2sSKIE_t_yk-mSh2yaIabOFDBOAqSOE4822rlxWO4wPkVwN8ZMQyP1jJp0ehKdivGkeiaiV5TO8/s1600/ready+to+buy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="960" data-original-width="768" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIhgZ7rv_tDx7tZL22qb8IAUbApuJnSdKIVF37O2hr3tSuRVpL0OmPGcUyP9XuanyI2sSKIE_t_yk-mSh2yaIabOFDBOAqSOE4822rlxWO4wPkVwN8ZMQyP1jJp0ehKdivGkeiaiV5TO8/s320/ready+to+buy.jpg" width="256" /></a></div>
<br />jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-61845027015856684842020-02-24T07:16:00.000-08:002020-02-24T07:16:02.772-08:00<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhk4z_pHiX1GquijQ-gE5FkuZDbuhbFBqjRtjkrQ80Cw2dLePI1MBNiFTwQqm0rrchr1vXhsy1-oUids84mvdB6PeZWx0aT-uddxhQGpuAhGhRXMhVgJO6g5OF_68kdrKakgJptEFBgEKA/s1600/contingencies.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="600" data-original-width="900" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhk4z_pHiX1GquijQ-gE5FkuZDbuhbFBqjRtjkrQ80Cw2dLePI1MBNiFTwQqm0rrchr1vXhsy1-oUids84mvdB6PeZWx0aT-uddxhQGpuAhGhRXMhVgJO6g5OF_68kdrKakgJptEFBgEKA/s320/contingencies.png" width="320" /></a></div>
Contingencies may be necessary when you are putting in an offer on a home.<br />
One kind of contingencies, is the purchase will be contingent on the sale of your home. Another contingency which is used often is an appraisal contingency. If your home doesn't appraise, you have this contingency to protect you.jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-16408726429371803002020-02-12T07:29:00.003-08:002020-02-12T07:29:45.947-08:00<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJUh_eW1SGFy5AEUsVYgWw1Y-dW1-fb-pWhNA8PbYoRFRb_rEvfa43YSpb7pFUQiVGF9LQyQXvHDhvtD6HX-ueaIPZFGA0bSAH2AR_l5QxXBj70UDjBJavO7bW_TpRd8eKVSn_XvgL0A4/s1600/pre-approval-letter.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="600" data-original-width="900" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJUh_eW1SGFy5AEUsVYgWw1Y-dW1-fb-pWhNA8PbYoRFRb_rEvfa43YSpb7pFUQiVGF9LQyQXvHDhvtD6HX-ueaIPZFGA0bSAH2AR_l5QxXBj70UDjBJavO7bW_TpRd8eKVSn_XvgL0A4/s320/pre-approval-letter.png" width="320" /></a></div>
Getting pre-approved is crucial for knowing what type of home you can afford. Ready to begin the home buying journey? Let me know and I can guide you through the process. #HouseExpert #RealEstate #RealEstateAgent #ListReports #HouseHunting #realtor #themoreyouknowjill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-29827063009419321932020-02-07T05:25:00.001-08:002020-02-07T05:25:33.908-08:00Rate Drop: 30-year Mortgages Hit Lowest Point in 3 Years<a href="https://www.floridarealtors.org/news-media/news-articles/2020/02/rate-drop-30-year-mortgages-hit-lowest-point-3-years">Rate Drop: 30-year Mortgages Hit Lowest Point in 3 Years</a>: Long-term mortgage rates fell for the third straight week, with the average 30-year fixed-rate mortgage dropping to 3.45% from last week’s 3.51%.jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-14861330299315194182020-02-06T18:52:00.001-08:002020-02-06T18:59:43.795-08:00Low Inventory What Does That Mean?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHPx1RG808DwsyUePOG1YrMU7mkocRriMQL3BL8bVdnsQXjluBGd_8JTqdF8SD8CLHM6CAZlK3GEPsFT96ixdQczXIvJJajtBu-duyH_9jKX5qv7GSYDzV0hQ1GrvIc1Utrgs_gI0345E/s1600/keeping+current.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="410" data-original-width="750" height="174" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHPx1RG808DwsyUePOG1YrMU7mkocRriMQL3BL8bVdnsQXjluBGd_8JTqdF8SD8CLHM6CAZlK3GEPsFT96ixdQczXIvJJajtBu-duyH_9jKX5qv7GSYDzV0hQ1GrvIc1Utrgs_gI0345E/s320/keeping+current.jpg" width="320" /></a></div>
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<span class="s1">Low Inventory, what does that mean</span></div>
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<span class="s1"><b>Housing Inventory Vanishing: What Is the Impact on You?</b></span></div>
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<span class="s1">The real estate market is expected to do very well this year as mortgage rates remain at historic lows. One challenge to the housing industry is the lack of homes available for sale. Last week, <i>move.com</i> released a <a href="https://news.move.com/2020-01-07-2020-Begins-With-Lowest-Housing-Inventory-in-Two-Years"><span class="s2">report</span></a> showing that 2020 is beginning with the lowest available housing inventory in two years. The report explains:</span></div>
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<span class="s1"><i>“Last month saw the largest year-over-year decline of housing inventory in almost three years with a dramatic 12 percent decline, pushing the number of homes for sale in the U.S. to the lowest level since January 2018.”</i></span></div>
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<span class="s3">The report also revealed that the decline in inventory stretches across all price points, as shown in the following graph:</span></div>
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<span class="s3"><a href="https://files.keepingcurrentmatters.com/wp-content/uploads/2020/01/14114640/20200116-NM.jpg"></a></span><br /></div>
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<span class="s1">George Ratiu, <i>Senior Economist</i> at <i>realtor.com</i>, explains how this drop in available homes for sale comes at a time when more buyers are expected to enter the market:</span></div>
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<span class="s1"><i>“The market is struggling with a large housing undersupply just as 4.8 million millennials are reaching 30-years of age in 2020, a prime age for many to purchase their first home. The significant inventory drop…is a harbinger of the continuing imbalance expected to plague this year’s markets, as the number of homes for sale are poised to reach historically low levels.”</i></span></div>
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<span class="s1">The question is: <i>What does this mean to you?</i></span></div>
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<span class="s1"><b>If You’re a Buyer…</b></span></div>
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<span class="s1">Be patient during your home search. It may take time to find a home you love. Once you do, however, be ready to move forward quickly. Get <a href="https://www.keepingcurrentmatters.com/2019/06/24/stop-wondering-what-your-budget-is-get-pre-approved/"><span class="s2">pre-approved</span></a> for a mortgage, be ready to make a <a href="https://www.keepingcurrentmatters.com/2019/05/15/4-tips-for-making-a-competitive-offer/"><span class="s2">competitive offer</span></a> from the start, and understand that a shortage in inventory could lead to the resurgence of bidding wars. Calculate just how far you’re willing to go to secure a home, if you truly love it.</span></div>
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<span class="s1"><b>If You’re a Seller…</b></span></div>
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<span class="s1">Realize that, in some ways, you’re in the driver’s seat. When there is a shortage of an item at the same time there is a strong demand for that item, the seller of that item is in a good position to negotiate. Whether it is price, moving date, possible repairs, or anything else, you’ll be able to demand more from a potential purchaser at a time like this – especially if you have multiple interested buyers. Don’t be unreasonable, but understand you probably have the upper hand.</span></div>
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<span class="s1"><b>Bottom Line</b></span></div>
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<span class="s3"><a href="https://www.keepingcurrentmatters.com/content/webinar-3-steps-to-becoming-a-listing-machine/?datacat=Webinar&dataaction=Blog&datalabel=Blog_Ad_SaveMySpot"></a></span><br /></div>
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<span class="s3"><a href="https://www.keepingcurrentmatters.com/content/webinar-3-steps-to-becoming-a-listing-machine/?datacat=Webinar&dataaction=Blog&datalabel=Blog_Ad_SaveMySpot"></a></span><br /></div>
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<span class="s1">The housing market will remain strong throughout 2020. Understand what that means to you, whether you’re buying, selling, or doing both.</span></div>
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jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-63016753141340311162020-02-01T05:55:00.001-08:002020-02-01T05:56:49.955-08:00February Spring Buying Season Has Begun!<a href="https://www.keepingcurrentmatters.com/2020/01/08/the-new-spring-real-estate-market-is-here-are-you-ready/">https://www.keepingcurrentmatters.com/2020/01/08/the-new-spring-real-estate-market-is-here-are-you-ready/</a><br />
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<span style="background-color: white; color: #1c1e21; font-family: , , , ".sfnstext-regular" , sans-serif; font-size: 14px;">Some think April begins the spring Real Estate season in Florida, but that is not what the statistics actually show.</span><br />
<span style="background-color: white; color: #1c1e21; font-family: , , , ".sfnstext-regular" , sans-serif; font-size: 14px;">February is the most monthly views per listing on </span><a data-ft="{"tn":"-U"}" data-lynx-mode="async" data-lynx-uri="https://l.facebook.com/l.php?u=http%3A%2F%2Frealtor.com%2F%3Ffbclid%3DIwAR3dLqbMGsxUaNjMs8K2_KuzGDUUCxFAT0E3Rgp-BaANWoP3TYPzDckCNqs&h=AT0saqmWYGqTv7EFJ4fOL4R_qB3cPx5W4QSdhCOJ-RjKE96NNLUn25Yus71szc3flWAQhkZ6Gy3bwSppJ_QPDN_OM1e59AvJ8x0p5YsGmZHilZ0gG-0NMZijhiQsUM6bhd7yufcFZ4K4HuufN45ON2u6wIoam1kB_GEZjEgEDovjF1VzYj0W1XqmWRVXZu5wEaOZ6-Tk3CRP9zjbCO1Y2hurmwvI36sdVm_I4VMm_TksZzO-lGBft8uWiesWfCuDA7xOiFNTaR7kgAJINrgS5IV6lpfnyCHNRB8hR8a8wbYdqBlZirN6lgQ0tPHDcF7ccmbCWDiurkwJuL7SRlh4DfgrJRMvvYr-JODyWw95kdTPUEGIdNsQPalJsruvCxifO2H_mcrybCXPrAOQmLySbYUU-eSsj6gcUJxMHnJibRtSdyHqFbwp1DiJcAflUtsQFYZJYLt3NjM7o7_1djIW__eixRe3XDdM7PQnbRcoZ4kjWA1OdMDA7jCdVUHSqveU2KwAeSn1gl9JDZRook_wr_u0JvGS52BY9_uyLsJJoFDy0G-3d2GFNrfNpvqYqMcHmZRG0qbEbqExZO4-GLSIMs0i9ngNB8OEu0vkQry1ktCa8HUr4cATLLOsWQs3K44qr5rhL4tx" href="http://realtor.com/?fbclid=IwAR3dLqbMGsxUaNjMs8K2_KuzGDUUCxFAT0E3Rgp-BaANWoP3TYPzDckCNqs" rel="noopener nofollow" style="background-color: white; color: #385898; cursor: pointer; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 14px; text-decoration-line: none;" target="_blank">realtor.com</a><span style="background-color: white; color: #1c1e21; font-family: , , , ".sfnstext-regular" , sans-serif; font-size: 14px;">, says Keeping Current Matters. So plan early, whether you are selling or buying.</span><br />
<span style="background-color: white; color: #1c1e21; font-family: , , , ".sfnstext-regular" , sans-serif; font-size: 14px;"><br /></span>
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With the reality of fewer homes on the market in the winter, and that supply naturally <a href="https://www.keepingcurrentmatters.com/2019/11/04/the-1-reason-to-list-your-house-in-the-winter/" style="border: 0px rgb(224, 224, 224); box-sizing: border-box; color: #00aeff; font: inherit; margin: 0px; max-width: 100%; outline: 0px; padding: 0px; vertical-align: baseline;">increases</a> as we head to the spring market, <a href="https://www.keepingcurrentmatters.com/2019/10/29/thinking-of-selling-your-home-the-waiting-is-the-hardest-part/" style="border: 0px rgb(224, 224, 224); box-sizing: border-box; color: #00aeff; font: inherit; margin: 0px; max-width: 100%; outline: 0px; padding: 0px; vertical-align: baseline;">waiting</a> for more competition to list in your neighborhood this year might put you behind the curve. Perhaps now is the time to jump into the market.</div>
<div style="background-color: white; border: 0px rgb(224, 224, 224); box-sizing: border-box; color: #313940; font-family: "Open Sans", HelveticaNeue, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 16px; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: inherit; margin-bottom: 0.85em; margin-top: 0.85em; padding: 0px; vertical-align: baseline;">
George Ratiu, <em style="border: 0px rgb(224, 224, 224); box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Senior Economist</em> at <em style="border: 0px rgb(224, 224, 224); box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">realtor.com</em> says,</div>
<span style="background-color: white; color: #1c1e21; font-family: , , , ".sfnstext-regular" , sans-serif; font-size: 14px;"></span><br />
<blockquote style="background-color: white; border-bottom-style: initial; border-color: rgb(0, 174, 255); border-image: initial; border-left-style: solid; border-right-style: initial; border-top-style: initial; border-width: 0px 0px 0px 7px; box-sizing: border-box; color: #919191; font-family: "Open Sans", HelveticaNeue, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 1.235em; font-stretch: inherit; font-variant-east-asian: inherit; font-variant-numeric: inherit; line-height: 1.5em; margin: 0px 1em 1em 0px; padding: 0px 0px 0px 20px; vertical-align: baseline;">
<div style="border: 0px rgb(224, 224, 224); box-sizing: border-box; font: inherit; margin-bottom: 0.85em; margin-top: 0.85em; padding: 0px; vertical-align: baseline;">
<em style="border: 0px rgb(224, 224, 224); box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">“As shoppers modify their strategies for navigating a housing market that has become more competitive due to rising prices and low inventory, the search for a home is beginning earlier and earlier.”</em></div>
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jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-87401584838286684092020-01-30T19:08:00.001-08:002020-01-30T19:08:11.826-08:00Buying a home cheaper than renting in nearly every Tampa Bay county<a href="https://www.wfla.com/mobile/buying-a-home-cheaper-than-renting-in-nearly-every-tampa-bay-county-2/">Buying a home cheaper than renting in nearly every Tampa Bay county</a>: Tampa Bay residents will pay less to buy a home than to rent in every Tampa Bay county but one, according to a recent report.jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-68099539387205376572020-01-22T08:59:00.001-08:002020-01-22T08:59:25.670-08:00Whats Your Home Worth? Click on the Cloud link below<a href="https://cloudcma.com/api_widget/2f72085d1470ffdab9e87d132620c046/show?post_url=cloudcma.com&source_url=ua">https://cloudcma.com/api_widget/2f72085d1470ffdab9e87d132620c046/show?post_url=cloudcma.com&s</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisVGHVmZCbst2DgPL2Bp_ntaY7CswJs9mm_0diVc18sIT3wx02KBXw3JRNfS9BvjA3oTJoW7HohMos8zS1bL5z2n0acnkNxLBfEoXIWmPukiC7AduRFO7bTqRmriS779rrSjPHocRIukk/s1600/Theres+no+place+like+home.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="564" data-original-width="564" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisVGHVmZCbst2DgPL2Bp_ntaY7CswJs9mm_0diVc18sIT3wx02KBXw3JRNfS9BvjA3oTJoW7HohMos8zS1bL5z2n0acnkNxLBfEoXIWmPukiC7AduRFO7bTqRmriS779rrSjPHocRIukk/s320/Theres+no+place+like+home.jpg" width="320" /></a></div>
ource_url=uajill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.comtag:blogger.com,1999:blog-6627251359295207882.post-76258594849834345742020-01-22T08:59:00.000-08:002020-01-22T08:59:03.556-08:00VA Mortgage Loans Change in 2020: Fees Rise, Loan Limits Eliminated<div style="background-color: white; box-sizing: border-box; color: #2e2f33; font-family: sans-serif; letter-spacing: 1px; margin-bottom: 28px; padding: 0px;">
VA home loans are changing in 2020. The Blue Water Navy Vietnam Veterans Act removes the borrowing cap in 2020, which in 2019 is $484,350 in most areas and higher in almost 200 high-cost U.S. counties.</div>
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The new borrowing rules are linked to changes made to expand disability benefits to veterans exposed to Agent Orange while serving on ships off the Vietnam coast during the war. Previously, benefits were restricted only to service members who had served in-country or on inland waters. The new rules mean that thousands of more veterans and their families will now benefit by having access to disability benefits.</div>
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<span style="box-sizing: border-box; font-weight: 700;">Read:</span> <a href="https://www.congress.gov/bill/116th-congress/house-bill/299/text" rel="noopener noreferrer" style="background: 0px 0px; box-sizing: border-box; color: #0a5586; transition: all 0.1s ease-in-out 0s;" target="_blank">H.R.299 – Blue Water Navy Vietnam Veterans Act of 2019</a></div>
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No VA Mortgage Loan Limits in 2020</h2>
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A VA loan is a mortgage loan that’s issued by private lenders and guaranteed by the United States Department of Veterans Affairs (VA).</div>
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A VA home loan allows qualifying veterans to get a mortgage without a down payment. With a down payment of 20% and the average home value in the U.S. approximately $227,000, a VA-backed loan can help buyers save a lot of money. Current rules require homebuyers purchasing a property above the set mortgage limits to pay a down payment of 25% of the difference between the home’s purchase price and the mortgage limit. For example, to buy a property costing $500,000 in an area with the lower limit of $484,350, the down payment would need to be 25% of $15,650 ($3,912.50).</div>
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Starting January 1, 2020, <span style="box-sizing: border-box; font-weight: 700;">VA mortgage loan limits are removed</span>, which will make buying a home easier for many veterans. However, lenders can still impose their own loan limits, and borrowers still must qualify based on the requirements. Therefore, it’s more important than ever for veterans to shop for a mortgage that best suits their circumstances.</div>
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Fees for VA Mortgage Loans Increasing</h2>
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Another major change in January 2020 for VA home loans is that <span style="box-sizing: border-box; font-weight: 700;">fees are going up</span>.</div>
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Changes in VA mortgage fees effective January 1, 2020, include:</div>
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<li style="box-sizing: border-box; list-style-type: disc;">The fee for first-use, zero-down loans, will be 2.3% of the loan amount, an increase from 2.15% for regular military in 2019. The fee for subsequent use loans will be 3.6% of the loan amount, an increase from 3.3% in 2019. These fees will stay in place for two years, return to current levels from 2022 to October 2029, then drop even more.</li>
<li style="box-sizing: border-box; list-style-type: disc;">Fees will be the same for regular military, National Guard, and Reservists. Unlike 2019, fees will not be higher for National Guard and Reserve members.</li>
<li style="box-sizing: border-box; list-style-type: disc;">Active-duty service members who received a Purple Heart will be exempt from the funding fee.</li>
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The increase in fees and the removal of the loan limit are changes made by the VA and Congress to raise money to offset the cost of the disability benefits for Vietnam veterans and their children. Agent Orange exposure has led to long-term health problems for both veterans and the children that they had after exposure. Illnesses associated with exposure to Agent Orange range from Hodgkin’s disease to non-Hodgkin’s lymphoma to type 2 diabetes.</div>
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Moreover, the overall changes to VA mortgage loans in 2020 are expected to be very helpful for veterans, for which we are very grateful.</div>
jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-23968481336548882892020-01-22T08:58:00.000-08:002020-01-22T08:58:04.712-08:00Pinellas County, Florida is the second-fastest-growing luxury market based on sales growth. The county is also the fifth fastest-growing luxury market based on the growth of million-dollar sales.https://www.marimarkmortgage.com/blog/buying-a-home/pinellas-county-florida-ranked-2-and-5-in-the-luxury-market<a href="https://www.marimarkmortgage.com/blog/buying-a-home/pinellas-county-florida-ranked-2-and-5-in-the-luxury-market">https://www.marimarkmortgage.com/blog/buying-a-home/pinellas-county-florida-ranked-2-and-5-in-the-luxury-market</a><br />
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A study from <a href="https://www.realtor.com/research/luxury-sales-stabilize-after-historic-declines/" rel="noopener noreferrer" style="background: 0px 0px; box-sizing: border-box; color: #0a5586; transition: all 0.1s ease-in-out 0s;" target="_blank">Realtor.com</a> revealed that Pinellas County, Florida is the <span style="box-sizing: border-box; font-weight: 700;">second-fastest-growing luxury market based on sales growth</span>. The county is also the <span style="box-sizing: border-box; font-weight: 700;">fifth fastest-growing luxury market based on the growth of million-dollar sales</span>.</div>
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The Realtor.com Luxury Home Index examines 82 luxury counties across the U.S., the majority of which are in California, with counties in various other states across the country. The index studies “yearly movement in the entry-level luxury price boundary, defined as the top 5% of all residential home sales in a given market for the past 12 months”. Several other Florida counties feature in the list include Duval, Miami-Dade, Broward, Monroe, Walton, and Collier.</div>
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#2 for Year-on-Year Growth</h2>
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Year-on-year growth for Pinellas was recorded at 15.5% in April this year. It was beaten by Summit, Colorado, with a growth of 19.9% and a luxury sale price of $1,829,000. Despite the rapid growth, Pinellas County remains one of the least expensive luxury markets in the top 20 fastest growing luxury markets based on sales price growth. The average luxury (top 5%) sales price entry point in Pinellas County for April 2019 was $743,000. Only Maricopa, AZ and Sacramento, CA had a lower luxury sales price.</div>
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However, the luxury sales price in Pinellas may not stay as low for long. The year-over-year million-dollar sales count was recorded as 52.5%, making Pinellas County the fifth fastest-growing market based on million-dollar sales. Combined with the 15.5% growth in the sales price, things could soon start to change for this luxury market.</div>
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Florida Counties with Growing Luxury Markets</h2>
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In addition to Pinellas County, Walton has also been growing as a luxury market in Florida. The luxury entry point reached $1.69 million, with an increase of 10% year-on-year and an increase in luxury sales of 7.5%. While not growing as rapidly as Pinellas, the growth is still important to note. Sarasota, meanwhile, is declining, after it was the highest performing market for a number of months in 2018. It reached a top growth rate of 21.2% last year, with an entry point of $848,000 in April. However, million-dollar sales are still up 8.1%.</div>
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In Miami, a long period of decline in prices has reversed to a small increase of 2.6%. However, Miami is still featured in the top 20 fastest-growing markets based on million-dollar sales.</div>
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Monroe, Walton, and Collier counties are all featured in the top 20 most expensive luxury markets, but only Walton has not seen a decline in growth. Monroe has an entry price point of $1.828 million with just a 5.3% growth in the luxury sales price. In Collier, where the entry point price is at $1.62 million, sales prices have dropped 2.6%, despite a 16.8% growth in the sale of million-dollar real estate. The same is true for Duval, a county with a low entry-level into the luxury market at just over $500,000.</div>
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California Dominating the Luxury Market</h2>
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Outside of Florida, California is the top luxury markets based on the report from Realtor.com. California counties take eight of the top ten places in the most expensive luxury markets, with the other two filled by Eagle and Summit counties in Colorado. They also count for more than a quarter of the fastest-growing markets based on the sales price. However, when it comes to million-dollar sales, just two California markets are featured: Santa Cruz at number eight and San Luis Obispo at number ten. Half of the most expensive California markets saw a decline in million-dollar sales, with the lowest, Santa Clara, at -17.7%, almost exactly mirroring the growth of Santa Barbara at 17.3%</div>
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Across the 82 luxury markets, 9,918 million dollars worth of homes were sold in April 2019. This accounts for a growth of only 0.6% but shows recovery after the 7.5% decline in March. Smaller luxury markets are continuing to emerge, although more markets are seeing declines. Pinellas County is a top performer but entry-level prices remain low compared to many other luxury markets.</div>
jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-8618082136491874032020-01-09T18:45:00.001-08:002020-01-09T18:45:45.898-08:00Jill's Team-Realtor: JillGrodinPropertyGroup<a href="https://www.ready2moverealty.com/2017/11/blog-post_5.html?spref=bl">Jill's Team-Realtor: JillGrodinPropertyGroup</a>jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-15348343504096821282020-01-09T03:45:00.001-08:002020-01-09T03:45:49.273-08:00Realtor.com: For-Sale Inventory Lowest in Two Years<a href="https://www.floridarealtors.org/news-media/news-articles/2020/01/realtorcom-sale-inventory-lowest-two-years">Realtor.com: For-Sale Inventory Lowest in Two Years</a>: The number listings on realtor.com in three U.S. cities are down over 30% year-to-year. In the Fla. cities listed, however, the drops range from 16.5% to 8.8%.jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-28065057659157206592020-01-07T09:02:00.002-08:002020-01-07T09:02:18.537-08:00Happy New Year!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE_TCq8SzVNIkewmz68v_jN9Gfa1nZmqjetbbiE9cIED9alDUyN73bssiwgdS_A-pbf68VUVG_mFA5oevHYQlcU7lOaIzJ2aujLkOEHBbyse7Ef9G41QLluneGadXno8E_ETI-QZ-5o-o/s1600/Happy+New+Year+ESR+%25281%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1080" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE_TCq8SzVNIkewmz68v_jN9Gfa1nZmqjetbbiE9cIED9alDUyN73bssiwgdS_A-pbf68VUVG_mFA5oevHYQlcU7lOaIzJ2aujLkOEHBbyse7Ef9G41QLluneGadXno8E_ETI-QZ-5o-o/s320/Happy+New+Year+ESR+%25281%2529.png" width="320" /></a></div>
Wishing you a wonderful New Year!jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-48329970464218238672019-10-22T14:09:00.001-07:002019-10-22T14:09:19.744-07:00September a strong month for Tampa Bay home sales, prices<a href="https://www.tampabay.com/news/2019/10/22/september-a-strong-month-for-tampa-bay-home-sales-prices/?fbclid=IwAR0ijOkROde6mwjm_Rfr19HMmWdUZr7bpsh_Ic7p_NXPpSEL-cBvzF1MHN0">September a strong month for Tampa Bay home sales, prices</a>: It was the best month overall in several months for the four-county areajill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-83865511160520490922019-10-21T16:27:00.001-07:002019-10-21T16:27:33.577-07:00September 2019 Market Report for Pinellas and Pasco Counties<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/WrXgHgU8IAI" width="480"></iframe>jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-66115506762734810942019-10-21T08:11:00.002-07:002019-10-21T08:11:40.498-07:00WHAT'S YOUR HOME WORTH?<a href="https://cloudcma.com/api_widget/2f72085d1470ffdab9e87d132620c046/show?post_url=cloudcma.com&source_url=ua&fbclid=IwAR0_-YGlwivNloXX1kw7ktlgeR8ms8nGfkUrpzEb1vBhfuS1HUZj3KxUM4M">https://cloudcma.com/api_widget/2f72085d1470ffdab9e87d132620c046/show?post_url=cloudcma.com&source_url=ua&fbclid=IwAR0_-YGlwivNloXX1kw7ktlgeR8ms8nGfkUrpzEb1vBhfuS1HUZj3KxUM4M</a>jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-37879056303261401592019-10-21T06:47:00.001-07:002019-10-21T06:47:59.032-07:00Fed Calls Housing the Economy’s Bright Spot<a href="https://www2.floridarealtors.org/news-media/news-articles/2019/10/fed-calls-housing-economys-bright-spot">Fed Calls Housing the Economy’s Bright Spot</a>: While the overall economy has shown signs of sluggishness, a NY Fed report is optimistic about new-home trends and strength in the overall housing market.jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-2947889684536012172019-10-16T10:56:00.002-07:002019-10-16T11:01:39.195-07:00Fall Mortgage Rate Report 2019<br />
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Long-Term Mortgage Rates Fall – 30-Year at 3.64%</h1>
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From The Associated Press</div>
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Sept. has been a volatile month for mortgage rates. The average is down from 3.73% last week. One year ago, the 30-year FRM averaged 4.72%.</div>
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<span style="box-sizing: border-box;">WASHINGTON (AP) – U.S. long-term mortgage rates fell this week following a sharp rise the week before, making September the most volatile month for the key 30-year loan since March.</span></div>
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<span style="box-sizing: border-box;">Mortgage rates have been running near historic lows, spurring prospective homebuyers, amid an uncertain economic <nobr style="box-sizing: border-box; font-size: inherit;"><a class="pxInta" href="https://www2.floridarealtors.org/news-media/news-articles/2019/09/long-term-mortgage-rates-fall-30-year-364?fbclid=IwAR1tbHlb8yb-7ziiYZoqnVq-YS74tPS-qTkhLDgehka8_4TxXnh7FUV-KkA#" id="PXLINK_4_0_4" style="background-color: transparent !important; border-bottom-color: rgb(28, 125, 255) !important; border-bottom-style: solid !important; border-image: initial !important; border-left-color: initial !important; border-left-style: initial !important; border-right-color: initial !important; border-right-style: initial !important; border-top-color: initial !important; border-top-style: initial !important; border-width: 0px 0px 1px !important; box-sizing: border-box; color: rgb(28, 125, 255) !important; display: inline !important; font-size: inherit !important; padding-bottom: 1px !important;">outlook</a></nobr>. Mortgage buyer Freddie Mac says the average rate on the 30-year, fixed-rate mortgage dropped to 3.64% from 3.73% last week. By contrast, the average rate stood at 4.72% a year ago.</span></div>
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<span style="box-sizing: border-box;">A sharply divided Federal Reserve last week cut its benchmark short-term <nobr style="box-sizing: border-box; font-size: inherit;"><a class="pxInta" href="https://www2.floridarealtors.org/news-media/news-articles/2019/09/long-term-mortgage-rates-fall-30-year-364?fbclid=IwAR1tbHlb8yb-7ziiYZoqnVq-YS74tPS-qTkhLDgehka8_4TxXnh7FUV-KkA#" id="PXLINK_3_0_3" style="background-color: transparent !important; border-bottom-color: rgb(28, 125, 255) !important; border-bottom-style: solid !important; border-image: initial !important; border-left-color: initial !important; border-left-style: initial !important; border-right-color: initial !important; border-right-style: initial !important; border-top-color: initial !important; border-top-style: initial !important; border-width: 0px 0px 1px !important; box-sizing: border-box; color: rgb(28, 125, 255) !important; display: inline !important; font-size: inherit !important; padding-bottom: 1px !important;">interest rate</a></nobr> for a second time this year but declined to signal that further cuts are likely in 2019. The Fed rate influences many consumer and business loans.</span></div>
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<span style="box-sizing: border-box;">The average rate for 15-year, fixed-rate <nobr style="box-sizing: border-box; font-size: inherit;"><a class="pxInta" href="https://www2.floridarealtors.org/news-media/news-articles/2019/09/long-term-mortgage-rates-fall-30-year-364?fbclid=IwAR1tbHlb8yb-7ziiYZoqnVq-YS74tPS-qTkhLDgehka8_4TxXnh7FUV-KkA#" id="PXLINK_2_0_2" style="background-color: transparent !important; border-bottom-color: rgb(28, 125, 255) !important; border-bottom-style: solid !important; border-image: initial !important; border-left-color: initial !important; border-left-style: initial !important; border-right-color: initial !important; border-right-style: initial !important; border-top-color: initial !important; border-top-style: initial !important; border-width: 0px 0px 1px !important; box-sizing: border-box; color: rgb(28, 125, 255) !important; display: inline !important; font-size: inherit !important; padding-bottom: 1px !important;">home loans</a></nobr> declined this week to 3.16% from 3.21% last week.</span></div>
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<span style="box-sizing: border-box;"><nobr style="box-sizing: border-box; font-size: inherit;"><a class="pxInta" href="https://www2.floridarealtors.org/news-media/news-articles/2019/09/long-term-mortgage-rates-fall-30-year-364?fbclid=IwAR1tbHlb8yb-7ziiYZoqnVq-YS74tPS-qTkhLDgehka8_4TxXnh7FUV-KkA#" id="PXLINK_1_0_1" style="background-color: transparent !important; border-bottom-color: rgb(28, 125, 255) !important; border-bottom-style: solid !important; border-image: initial !important; border-left-color: initial !important; border-left-style: initial !important; border-right-color: initial !important; border-right-style: initial !important; border-top-color: initial !important; border-top-style: initial !important; border-width: 0px 0px 1px !important; box-sizing: border-box; color: rgb(28, 125, 255) !important; display: inline !important; font-size: inherit !important; padding-bottom: 1px !important;">Freddie Mac</a></nobr> surveys lenders across the country between Monday and Wednesday each week to compile its <nobr style="box-sizing: border-box; font-size: inherit;"><a class="pxInta" href="https://www2.floridarealtors.org/news-media/news-articles/2019/09/long-term-mortgage-rates-fall-30-year-364?fbclid=IwAR1tbHlb8yb-7ziiYZoqnVq-YS74tPS-qTkhLDgehka8_4TxXnh7FUV-KkA#" id="PXLINK_0_0_0" style="background-color: transparent !important; border-bottom-color: rgb(28, 125, 255) !important; border-bottom-style: solid !important; border-image: initial !important; border-left-color: initial !important; border-left-style: initial !important; border-right-color: initial !important; border-right-style: initial !important; border-top-color: initial !important; border-top-style: initial !important; border-width: 0px 0px 1px !important; box-sizing: border-box; color: rgb(28, 125, 255) !important; display: inline !important; font-size: inherit !important; padding-bottom: 1px !important;">mortgage rate</a></nobr> figures. The average doesn’t include extra fees, known as points, which most borrowers must pay to get the lowest rates.</span></div>
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<span style="box-sizing: border-box;">The average fee on 30-year fixed-rate mortgages rose this week to 0.6 point from 0.5 point.</span></div>
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<span style="box-sizing: border-box;">The average fee for the 15-year mortgage was unchanged at 0.5 point.</span></div>
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<span style="box-sizing: border-box;">The average rate for five-year adjustable-rate mortgages fell to 3.38% from 3.49%. The fee remained at 0.4 point.</span></div>
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<span style="box-sizing: border-box;">Copyright 2019 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</span></div>
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<br />jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-77475265738096288292019-03-30T12:17:00.003-07:002019-03-30T12:17:45.452-07:00LOW MORTGAGE RATES!!!!<div style="box-sizing: inherit; color: #231b18; font-family: Roboto, Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1.5em;">
The 30-year fixed-rate mortgage plunged 22 basis points this week, the largest one-week drop in 10 years, Freddie Mac reports in its weekly mortgage survey.</div>
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“The Federal Reserve’s concern about the prospects for slowing economic growth caused investor jitters to drive down mortgage rates by the largest amount in over ten years,” says Sam Khater, Freddie Mac’s chief economist. “Despite negative outlooks by some, the economy continues to churn out jobs, which is great for housing demand. We have recently seen home sales start to recover and with this week’s rate drop, we expect a continued rise in purchase demand.”</div>
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Freddie Mac reports the following national averages with mortgage rates for the week ending March 28:</div>
<ul style="box-sizing: inherit; color: #231b18; font-family: Roboto, Helvetica, Arial, sans-serif; font-size: 16px; list-style-type: none; margin: 0px 0px 1.5em 1em; padding: 0px;">
<li style="box-sizing: inherit; padding-left: 0.25em; position: relative;"><strong style="box-sizing: inherit;">30-year fixed-rate mortgages:</strong> averaged 4.06 percent, with an average 0.5 point, falling from last week’s 4.28 percent average. Last year at this time, 30-year rates averaged 4.40 percent.</li>
<li style="box-sizing: inherit; margin-top: 10px; padding-left: 0.25em; position: relative;"><strong style="box-sizing: inherit;">15-year fixed-rate mortgages: </strong>averaged 3.57 percent, with an average 0.4 point, dropping from last week’s 3.71 percent average. A year ago, 15-year rates averaged 3.90 percent.</li>
<li style="box-sizing: inherit; margin-top: 10px; padding-left: 0.25em; position: relative;"><strong style="box-sizing: inherit;">5-year hybrid adjustable-rate mortgages: </strong>averaged 3.75 percent, with an average 0.3 point, falling from last week’s 3.84 percent average. A year ago, 5-year ARMs averaged 3.66 percent.</li>
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jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com1tag:blogger.com,1999:blog-6627251359295207882.post-91500215788082849312019-03-30T11:50:00.002-07:002019-03-30T11:52:54.158-07:00<div class="_39k2" style="background-color: white; color: #1d2129; font-family: system-ui, -apple-system, system-ui, ".SFNSText-Regular", sans-serif; font-size: 18px; margin: 0px auto; padding: 40px 0px; position: relative;">
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Steps To Buying Your <a class="_2yug" href="https://www.facebook.com/JillGrodinProperties/" style="color: #90949c; cursor: pointer; font-family: inherit; font-size: 12px; text-decoration-line: none; text-transform: uppercase; white-space: nowrap;" target="_blank">JILLGRODINPROPERTYGROUP</a><span class="_4_mg" style="color: #90949c; font-family: inherit; font-size: 12px; padding: 0px 6px; text-transform: uppercase;">·</span><a class="uiLinkSubtle" href="https://www.facebook.com/notes/jillgrodinpropertygroup/steps-to-buying-your-home/1453273678119102/" style="color: #90949c; cursor: pointer; font-family: inherit; font-size: 12px; text-decoration-line: none; text-transform: uppercase;">SATURD</a><span class="_4_mf" style="color: #90949c; font-family: inherit; font-size: 12px; margin-left: 8px;"><span style="font-family: inherit;"><a aria-label="Public" class="uiStreamPrivacy inlineBlock fbStreamPrivacy fbPrivacyAudienceIndicator" data-hover="tooltip" data-tooltip-content="Public" href="https://www.facebook.com/notes/jillgrodinpropertygroup/steps-to-buying-your-home/1453273678119102/#" role="button" style="color: #365899; cursor: pointer; display: inline-block; font-family: inherit; text-decoration-line: none; zoom: 1;"><i class="lock img sp__EFZWPnvn_g sx_e8d220" style="background-image: url("/rsrc.php/v3/yJ/r/Tgn4vhDaCyp.png"); background-position: -369px -270px; background-repeat: no-repeat; background-size: auto; bottom: -1px; display: inline-block; height: 12px; margin-bottom: -5px; position: relative; vertical-align: top; width: 12px;"></i></a></span></span><span class="_5q4y" style="color: #90949c; font-family: inherit; font-size: 12px; margin-left: 8px;"><span style="font-family: inherit;">2 Reads</span></span></div>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">1. Decide to buy.</span></div>
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Although there are many good reasons for you to buy a home, wealth building ranks among the top of the list. We call home ownership the best “accidental investment” most people ever make. But, we believe when it is done right, home ownership becomes an “intentional investment” that lays the foundation for a life of financial security and personal choice. There are solid financial reasons to support your decision to buy a home, and, among these, equity buildup, value appreciation, and tax benefits stand out.</div>
<div class="_2cuy _3dgx _2vxa" style="box-sizing: border-box; direction: ltr; font-family: inherit; margin: 0px auto 28px; overflow-wrap: break-word; white-space: pre-wrap; width: 700px;">
Base your decision to buy on facts, not fears.</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">If you are paying rent, you very likely can afford to buy</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">There is never a wrong time to buy the right home. All you need to do in the short run is find a good buy and make sure you have the financial ability to hold it for the long run</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">The lack of a substantial down payment doesn't prevent you from making your first home purchase</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">A less-than-perfect credit score won't necessarily stop you from buying a home</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">The best way to get closer to buying your ultimate dream home is to buy your first home now</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Buying a home doesn't have to be complicated - there are many professionals who will help you along the way</li>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">2. Hire your agent.</span>The typical real estate transaction involves at least two dozen separate individuals-insurance assessors, mortgage brokers and underwriters, inspectors, appraisers, escrow officers, buyer's agents, seller's agents, bankers, title researchers, and a number of other individuals whose actions and decisions have to be orchestrated in order to perform in harmony and get a home sale closed. It is the responsibility of your real estate agent to expertly coordinate all the professionals involved in your home purchase and to act as the advocate for you and your interests throughout.Seven main roles of your real estate agent<br />
A Buyer's Real Estate Agent:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Educates you about your market.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Analyzes your wants and needs.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Guides you to homes that fit your criteria.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Coordinates the work of other needed professionals.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Negotiates on your behalf.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Checks and double-checks paperwork and deadlines.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Solves any problems that may arise.</li>
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Eight important questions to ask your agent<br />
Qualifications are important. However, finding a solid, professional agent means getting beyond the resume, and into what makes an agent effective. Use the following questions as your starting point in hiring your licensed, professional real estate agent:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Why did you become a real estate agent?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Why should I work with you?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What do you do better than other real estate agents?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What process will you use to help me find the right home for my particular wants and needs?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What are the most common things that go wrong in a transaction and how would you handle them?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What are some mistakes that you think people make when buying their first home?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What other professionals do you suggest we work with and what are their credentials?</li>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">3. Secure financing.</span>While you may find the thought of home ownership thrilling, the thought of taking on a mortgage may be downright chilling. Many first-time buyers start out confused about the process or nervous about making such a large financial commitment.From start to finish, you will follow a six-step, easy-to-understand process to securing the financing for your first home.<br />
Six steps to Financing a Home</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Choose a loan officer (or mortgage specialist).</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Make a loan application and get preapproved.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Determine what you want to pay and select a loan option.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Submit to the lender an accepted purchase offer contract.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Get an appraisal and title commitment.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Obtain funding at closing.</li>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">4. Find your home.</span>You may think that shopping for homes starts with jumping in the car and driving all over town. And it's true that hopping in the car to go look is probably the most exciting part of the home-buying process. However, driving around is fun for only so long-if weeks go by without finding what you're looking for, the fun can fade pretty fast. That's why we say that looking for your home begins with carefully assessing your values, wants, and needs, both for the short and long terms.Questions to ask yourself</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What do I want my home to be close to?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">How much space do I need and why?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Which is more critical: location or size?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Would I be interested in a fixer-upper?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">How important is home value appreciation?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Is neighborhood stability and priority?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Would I be interested in a condo?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Would I be interested in new home construction?</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">What features and amenities do I want? Which do I really need?</li>
</ol>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">5. Make an offer.</span>When searching for your dream home, you were just that-a dreamer. Now that you're writing an offer, you need to be a businessperson. You need to approach this process with a cool head and a realistic perspective of your market. The three basic components of an offer are price, terms, and contingencies (or “conditions” in Canada).Price-the right price to offer must fairly reflect the true market value of the home you want to buy. Your agent's market research will guide this decision.Terms-the other financial and timing factors that will be included in the offer.Terms fall under six basic categories in a real estate offer:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Schedule-a schedule of events that has to happen before closing.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Conveyances-the items that stay with the house when the sellers leave.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Commission-the real estate commission or fee, for both the agent who works with the seller and the agents who works with the buyer.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Closing costs-it's standard for buyers to pay their closing costs, but if you want to roll the costs into the loan, you need to write that into the contract.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Home warranty-this covers repairs or replacement of appliances and major systems. You may ask the seller to pay for this.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Earnest money-this protects the sellers from the possibility of your unexpectedly pulling of the deal and makes a statement about the seriousness of your offer.</li>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">6. Perform due diligence.</span>Unlike most major purchases, once you buy a home, you can't return it if something breaks or doesn't quite work like it's supposed to. That's why home owner's insurance and property inspections are so important.A home owner's insurance policy protects you in two ways:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Against loss or damage to the property itself</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">liability in case someone sustains an injury while on your property</li>
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The property inspection should expose the secret issues a home might hide so you know exactly what you're getting into before you sign your closing papers.</div>
<ul class="_5a_q _5yj1" dir="ltr" style="box-sizing: border-box; list-style-type: none; margin: 0px auto 32px; padding: 0px 0px 0px 14px; width: 676px;">
<li class="_2cuy _509q _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: disc; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Your major concern is structural damage.</li>
<li class="_2cuy _509q _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: disc; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Don't sweat the small stuff. Things that are easily fixed can be overlooked.</li>
<li class="_2cuy _509q _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: disc; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">If you have a big problem show up in your inspection report, you should bring in a specialist. If the worst-case scenario turns out to be true, you might want to walk away from the purchase.</li>
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<span class="_4yxo" style="font-family: inherit; font-weight: 600;">7. Close.</span>The final stage of the home buying process is the lender's confirmation of the home's worth and legal statue, and your continued credit-worthiness. This entails a survey, appraisal, title search, and a final check of your credit and finance. Your agent will keep you posted on how each if progressing, but your work is pretty much done.You just have a few preclosing responsibilities:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Stay in control of your finances.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Return all phone calls and paperwork promptly.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Communicate with your agent at least once a week.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Several days before closing, confirm with your agent that all your documentation is in place and in order.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Obtain certified funds for closing.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Conduct a final walk-through.</li>
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On closing day, with the guidance of a settlement agent and your agent, you'll sign documents that do the following:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Finalize your mortgage.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Pay the seller.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Pay your closing costs.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Transfer the title from the seller to you.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Make arrangements to legally record the transaction as a public record.</li>
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As long as you have clear expectations and follow directions, closing should be a momentous conclusion to your home-searching process and commencement of your home-owning experience.<br />
<span class="_4yxo" style="font-family: inherit; font-weight: 600;">8. Protect your investment.</span>Throughout the course of your home-buying experience, you've probably spent a lot of time with your real estate agent and you've gotten to know each other fairly well. There's no reason to throw all that trust and rapport out the window just because the deal has closed. In fact, your agent wants you to keep in touch.Even after you close on your house, you agent can still help you:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Handle your first tax return as a home owner.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Find contractors to help with home maintenance or remodeling.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Help your friends find homes.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Keep track of your home's current market value.</li>
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Attention to you home's maintenance needs is essential to protecting the long-term value of your investment.Home maintenance falls into two categories:</div>
<ol class="_5a_q _509r" dir="ltr" style="box-sizing: border-box; margin: 0px auto 32px; padding-left: 14px; width: 676px;">
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Keeping it clean: Perform routine maintenance on your home's systems, depending on their age and style.</li>
<li class="_2cuy _509s _2vxa" style="box-sizing: border-box; direction: ltr; list-style-type: decimal; margin: 0px auto 12px; overflow-wrap: break-word; text-align: left; white-space: pre-wrap; width: auto;">Keeping an eye on it: Watch for signs of leaks, damage, and wear. Fixing small problems early can save you big money later.</li>
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JillGrodin Property Group727-279-0631<br />
www.SellinghomesJillspropertysearch<br />
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jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-1736743619506804762019-01-14T12:26:00.002-08:002019-01-14T12:26:45.773-08:00How many closed sales in November? Median price? Nov 2018<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXbamxDK56riI9UL18t20BYWzTdZoqi2hVQuyS_yDVCQRbO0oC5pvO7J-XLWLT-MC1rvKJofLRZSYUZ-Ojl8uytBQM00_HD4h5xt7FyNd4TTlo5b_PKx4Ae8AkaM6zthccP2vJUvGuYlg/s1600/Pinellas+Market+statistics+more.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1169" data-original-width="842" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXbamxDK56riI9UL18t20BYWzTdZoqi2hVQuyS_yDVCQRbO0oC5pvO7J-XLWLT-MC1rvKJofLRZSYUZ-Ojl8uytBQM00_HD4h5xt7FyNd4TTlo5b_PKx4Ae8AkaM6zthccP2vJUvGuYlg/s320/Pinellas+Market+statistics+more.jpeg" width="230" /></a></div>
<br />jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0tag:blogger.com,1999:blog-6627251359295207882.post-22369166185070806312019-01-14T12:06:00.000-08:002019-01-14T12:24:28.726-08:00Pinellas Market Statistics-Absorption Rates<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 16px;">The </span><b style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 16px;">absorption rate</b><span style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 16px;"> is the </span><b style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 16px;">rate</b><span style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 16px;"> at which available homes are sold in a specific real estate market during a given time period. It is calculated by dividing the average number of sales per month by the total number of available homes</span>jill grodinhttp://www.blogger.com/profile/15621944262102701279noreply@blogger.com0