BUYING A HOME?? What You Need to Know about Homeowner’s Insurance!

Posted on May 16, 2019
by Gail Spada

CONGRATS… You’ve finally found the perfect home! NOW… It’s time to get rocking n’ rolling on obtaining your homeowner’s insurance. If you’re also obtaining a home loan, your lender will require that insurance is “bound” before getting to the closing table. Homeowner’s insurance protects your home and your property in case of disaster and protects […]

HOUSE REPAIRS 101 (Part 3 of 3)

Posted on May 2, 2019
by Gail Spada

Welcome back as we conclude our series on HOUSE REPAIRS 101. Here’s a few more home repair emergency tips we’d like to share. Of course, we know we didn’t cover everything a homeowner needs to know about their house, BUT we hope you found them to be helpful and informative! Change Your Air Filters Changing […]

HOUSE REPAIRS 101 (Part 2 of 3)

Posted on April 18, 2019
by Gail Spada

Welcome back as we continue our series on HOUSE REPAIRS 101. Knowing that home repair emergencies can occur at any time, we hope our tips will help you handle them, just in case these annoying house calamities arise! Unclog a Toilet Let’s face it, everybody hates this task! A flange plunger, which has a cone […]

HOUSE REPAIRS 101 (Part 1 of 3)

Posted on April 4, 2019
by Gail Spada

LET’S FACE IT… Home repair emergencies typically don’t give any us any sort of notice! Who’s had those annoying house crises pop-up where you felt you weren’t prepared to deal with them? They’re bound to happen to ALL homeowners and especially, NEW homeowners. Our BLOG series will highlight some of the typical tasks that ALL […]

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 […]

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