Applying for a Home Loan and Knowing the DO’s and DON’Ts – PART 2 of 2

Posted on March 21, 2019
by Gail Spada

DON’T apply for new credit or any deferred payment plans. This is a popular option when purchasing furniture. Even if the payments won’t start until 6 months or more down the road, these future payments will show in your credit report as debt and can affect your debt-to-income ratio and your credit score. DON’T co-sign […]

Applying for a Home Loan and Knowing the DO’s and DON’Ts – PART 1 of 2

Posted on March 7, 2019
by Gail Spada

DO … Understand that things have changed! Underwriters require more documentation than in the past. Even if requests seem silly, intrusive or unnecessary, please remember that if they didn’t need it, they wouldn’t ask for it. DO … Keep all your financial records in good order and readily available in case updates are required by […]

IS IT TRUE … Are Non-Traditional Home Mortgages Available Again?

Posted on February 21, 2019
by Gail Spada

Based on a recent article in The Wall Street Journal, reportedly over $33 billion worth of unconventional mortgages were written by lenders in the first three quarters of 2018. This is up over 23% for the same timeframe in 2017. Because these unconventional loans don’t qualify for Fannie Mae or Freddie Mac underwriting, lenders will […]

We FOUND It! A CBS SFH with FDR, LR and FR complete with HWF and FP! Can We SEE It?

Posted on February 6, 2019
by Gail Spada

Mr. and Mrs. Buyer had searched the MLS by visiting our IDX website. They found a 4/2.5/3 CBS SFH with the SF they had hoped for and it included LR, FDR and a FR complete with HWF and FP. Relocating from a cold climate, the buyers were thrilled about the FP! Better yet, the heated […]

10 Tips for a Successful Home Remodel Project

Posted on January 25, 2019
by Gail Spada

Whether you’re prepping your home for the market, renovating the home you recently purchased OR upgrading your existing home, our tips can help ensure your satisfaction and sanity with the end results! Plan Ahead and Remember the Big Picture Making product selections early can prevent delays later. Proper planning can also help keep you on […]

Hernando County 2018 Year-End Housing Market Snapshot

Posted on January 10, 2019
by Gail Spada

THE Gail Spada TEAM continually analyzes Hernando County Market Trends to help buyers and sellers stay informed regarding our local market conditions. The chart below illustrates the comparison of 2018 vs 2017 for single family homes, condos, townhomes and villas. Manufactured and mobile homes are not included in the totals. Compiled from reports within the […]

5 Best Home Improvement New Year Resolutions

Posted on December 27, 2018
by Gail Spada

In the spirit of the NEW YEAR, check out our 5 Best Home Improvement New Year 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 […]

CURB APPEAL Home Projects That PAYOFF!

Posted on December 11, 2018
by Gail Spada

We ALL know that curb appeal plays an important part in any outdoor project. Nationally, among REALTORS®, 94% recommend sellers improve their home’s curb appeal before putting their home on the market for sale. Additionally, 99% of REALTORS® believe curb appeal is very important in attracting a buyer to a listing. Whether you’re thinking of […]

Hernando County Housing Market Snapshot: 2017 vs. 2018 (Q1 Q2 Q3)

Posted on November 29, 2018
by Gail Spada

THE Gail Spada TEAM continually analyzes Hernando County Market Trends to help buyers and sellers stay informed regarding our local market conditions. The chart below illustrates the comparison of the first 3 quarters of 2017 vs 2018 for single family homes, condos, townhomes and villas. Manufactured and mobile homes are not included in the totals. […]

BUYERS … Did You Ask Your Home Inspector THESE QUESTIONS???

Posted on November 15, 2018
by Gail Spada

CONGRATULATIONS, you’re officially under contract on your DREAM home! Your home inspection report is complete and NOW you’re staring at the hefty inspection report that seems to highlight EVERY SINGLE FLAW in your future home! SO … WHAT’S NEXT? Don’t go into a full-blown panic! Knowing the RIGHT QUESTIONS to ask the home inspector can […]

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