Author Archives: Gail Spada

About Gail Spada

Gail Spada’s real estate career began in 1990 and it didn’t take long for Gail to discover her love for the industry. In 2001, she began her real estate sales profession with Century 21 Alliance Realty in Spring Hill, FL. Gail has worked diligently to stay on top of her game. She is a Florida Licensed REALTOR® and has earned the following designations/certifications to include: GRI (Graduate Realtor Institute), ePRO (Internet Savvy Real Estate Specialist), AHWD (At Home With Diversity – One American) and SFR. It is that well-rounded training and experience, coupled with her intimate knowledge of the Hernando County real estate market, that enables Gail to deliver results to her customers.

Home Buyer and Seller Generational Trends Report 2015 – Characteristics of Homes Purchased

The National Association of REALTORS conducts annual studies to amass data to compile and complete their yearly Home Buyer and Seller Generational Trends Reports. But first, it is important to have a clear picture of who makes up each of the generations within this report. The following generational definitions are based on a report published in the REALTOR University’s Center for Real Estate Studies. The splitting of the younger and older baby boomer age group is based on research from the Pew Research Center, Generations 2010. Millennials/Generation Y: Born 1980-2000 Generation X: Born 1965-1979 Younger Baby Boomers: Born 1955-1964 Older Baby Boomers: Born 1946-1954 Silent Generation: Born 1925-1945 The following highlights the “Characteristics of Homes Purchased” from the trends report for the 12-month period ending June 2014: At least 80% of buyers, 59 or younger, bought a detached single family home. However, for buyers over the age of 59, it … Continue reading

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Home Buyer and Seller Generational Trends Report 2015

The National Association of REALTORS conducts annual studies to amass data to compile and complete their yearly Home Buyer and Seller Generational Trends Reports. But first, it is important to have a clear picture of who makes up each of the generations within this report. The following generational definitions are based on a report published in the REALTOR University’s Center for Real Estate Studies. The splitting of the younger and older baby boomer age group is based on research from the Pew Research Center, Generations 2010. Millennials/Generation Y: Born 1980-2000 Generation X: Born 1965-1979 Younger Baby Boomers: Born 1955-1964 Older Baby Boomers: Born 1946-1954 Silent Generation: Born 1925-1945 The following highlights the “Characteristics of the Home Buyer” from the trends report for the 12-month period ending June 2014: Gen Y comprised the largest share of home buyers at 32%, which is larger than the combined Baby Boomers. Younger Boomers made … Continue reading

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Tips for Helpings Kids Adjust to Relocating to a New Home

Whether you are moving across town, across the country, down-sizing, upgrading, the adjustment can often be stressful to all those involved, especially to children. Here are some tips for helping your kids navigate the moving process a little more easily. 1. Keep It Positive No matter what the reason is for your move, speak positively about the transition. Try to encourage excitement about the new adventure. 2. Talk To Your Kids About The Move Listen to any fears or concerns your children may have. Determine solutions to help alleviate any anxiety they may feel. 3. Let Your Children Be Part Of The Decision Process Once you’ve narrowed down your home search, take them to visit potential homes and neighborhoods. 4. Be a Tourist In Your New Area Take the kids to local attractions, like a mall, amusement park, aquarium or movie theater. Show them what makes the new neighborhood so … Continue reading

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How to Negotiate the Best Price for Your Next Home

Buying a home can be emotional… Negotiating the price should not be. The key to saving money when purchasing a home requires having a clear-cut plan in place during the back-and-forth negotiations. Keeping your emotions in check and your eyes on the goal will help ensure that you are happy with the end result – A GREAT PRICE! 1. Have Your Mortgage Pre-Approval In Place Do you want sellers to take your offer seriously? Of course, you do! If you need assistance in procuring a preapproval letter, ask your agent to recommend a few lenders who have successfully helped other customers in the past. Sellers want to know that a buyer is financially capable of affording their home. 2. Don’t Be Afraid To Ask Questions Ask about information regarding a seller’s motivations, desired time-frame and financial position. Knowing details as to whether a seller has already purchased a home elsewhere, … Continue reading

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5 Helpful Hints to Guide You When Choosing the Best Offer on Your Home!

It’s hard work getting your home ready to hit the real estate market and you made sure it was priced properly, with the help of your real estate professional. With some luck, offers from buyers will come quickly. With a plan in place, you’ll determine the strengths and drawbacks of each offer so that you don’t let a great offer get away. 1. Understand How It Works Your REALTOR will tell you that all offers are negotiable. Therefore, when you receive an offer, you can do just 3 things. You can accept it, reject it or you can respond by requesting that something be modified more to your liking, which is called making a counter-offer. 2. Set Some Baseline Parameters In advance, decide what conditions or terms are most important to you. For example, if pricing is of utmost importance, you might decide to be more flexible with a closing … Continue reading

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Top 5 Tips for Keeping Your Home Purchase on Track

WOW… You’ve found THE perfect place!! Check out our top 5 tips that will help keep your home purchase on track to help ensure a smooth and stress-free closing. 1. Be Truthful On Your Mortgage Loan Application You may think exaggerating your income a little or omitting debts when you apply for a mortgage will go unnoticed. THINK AGAIN. Lenders have become very diligent in verifying information on mortgage loan applications. If you stretch the truth, expect to be caught and denied the loan you need to purchase your dream home. Plus, intentionally lying on a mortgage application is considered mortgage fraud and is a crime. 2. Best To Hold Off On Big Purchases Lenders do double-check a buyer’s credit worthiness right before the closing to be sure their financial standing hasn’t changed since application. Opening new credit cards, significantly increasing the balance on existing credit cards, taking out new … Continue reading

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Tampa Bay Area Top Destination for International Home Buyers

Drawn by the location and pricing, foreign buyers are gobbling up billions of Tampa Bay region real estate. According to The National Association of REALTORS (NAR), thousands from other countries have made Florida and the Tampa Bay region among the nation’s most popular places to purchase homes. California follows at 15% and then Texas at 11%. No other state comes close to Florida in the dollar value of international residential sales. For the 12 months that ended last June, foreign buyers snapped up nearly $8 billion worth of Florida homes and condos – a 24% increase from the same period one year earlier. For those of us who live and work in the Tampa Bay region,it is great news to learn that the area has jumped into the lead as the favorite destination of international residential home buyers, most of whom want to be near water. Tied in 1st place … Continue reading

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5 Best Home-Improvement 2015 Resolutions

In the spirit of the New Year, check out our 5 Best Home-Improvement 2015 Resolutions that will make your home a more beautiful, efficient, green and clean space. 1. Streamline Your Stuff One of the best and least expensive ways to feel better about your home is to de-clutter. Without some regular purging, cabinets and drawers get jam-packed and it becomes hard to find the things you use and enjoy the most. This year resolve to periodically donate to your favorite charity anything that you don’t use, wear or love. Simplify and go green by thinking twice about what you DO bring in. Stash functional, but not beautiful, items such as DVDs, remotes and those kicked-off shoes in simple woven baskets. Clear your counters of everything you don’t use on a daily basis. 2. Make It Safe and Sound Watch out for dryer lint. We know you clean the little … Continue reading

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Top 10 Tips for Selling Your Home During the Holidays

Attract homebuyers even during the holidays with these useful tips! While most people think the worst time to market their home is over the winter holidays, it can actually give you an advantage. Holiday buyers tend to be more serious and competition is less fierce with fewer homes being actively marketed.   Deck the halls, but don’t go overboard – Homes often look their best thru the holidays, but sellers should be careful not to overdo it on the decorations. Be sure they are not too large or too plentiful as that can be distracting to buyers.   Hire a full-time REALTOR – Working with a committed real estate professional means they won’t disappear during the holiday season. If you aren’t already working with an agent, ask your family and friends if they can recommend a REALTOR whom they know, like and trust. This will ease your stress and give you more … Continue reading

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I’m sorry… WHAT did you say?

With the help of their REALTOR, and member of NAR and FAR, the buyers found an REO SFR with good amount of SF, gas FP, cozy EIK, located in a PUD with an HOA on MLS. They talked to their lender about DTI, TILA, the HUD, PMI, PITI and LTV, POF and the need for a possible POA. The lender also discussed conventional ARM, FHA, VA and USDA options. At minimum, they wanted a WDO and the HVAC checked by their home inspector… I’m sorry…. WHAT did you say?? Interested in knowing and understanding some of the real estate lingo and acronyms that are used by professionals in the real estate industry? Check out our list below! ARM – Adjustable Rate Mortgage DTI – Debt to Income Ratio EIK – Eat-in Kitchen FAR – Florida Association of REALTORS FHA – Federal Housing Administration FP – Fireplace HOA – Home Owner’s … Continue reading

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