Naples FL Real Estate & Homes For Sale

Real estate buyers are out in full force this month in Naples, Florida. There were about 200 hundred more pending contracts written on Naples real estate in January 2012 than the same month last year. Already in February 2012, Naples is on pace to set new records with over 430 pending sales to date. According…

First off, a note of safety. Please do not actually “whip” your Realtor. It would really hurt—unless you’re into that sort of thing. So, for safety’s sake, let’s replace “whip” with “charm” in our title and move on. Just as certain people have a way of charming the sales clerk into giving them a better deal than the…

I know, I know, I wouldn’t believe a Realtor either if I didn’t see the statistics for myself. But yes, there are communities in Naples, Florida where home prices have actually increased over the last year. If you listen carefully enough, the statistics are whispering to you that prices may be ready to increase across…

Luxury Naples Home on 10 Acres in Florida. Listed on Naples MLS for $8.75 Million. This is one of the top Naples real estate properties with lots of land so near the beach. This home was the winner of the 2009 CBIA SAND DOLLAR AWARD / EXEC HOME. There are actually 2 luxury estate Southern…

Finding your perfect home in today’s market can be a challenge for new and seasoned home buyers alike. Whether you are looking for a home in my hometown of Naples, Florida or anywhere in the world, there are some basic steps you should take to ensure your success. 1. Research before you look. 87% of…

The Business Cycle and Buying a Home Should you try to time the market? Just like investing in the stock market, the short answer is always, no. One problem with attempting to time your purchase of real estate to the business cycle is that no one can accurately predict the future. Why You Should Not…

When determining your ability to qualify for a mortgage, a lender looks at what is called your “debt-to-income” ratio. A debt-to-income ratio is the percentage of your gross monthly income (before taxes) that you spend on debt. This will include your monthly housing costs, including principal, interest, taxes, insurance, and homeowner’s association fees, if any.…

Important Things To Avoid Before Buying a Home For most people, changing employers will not really affect your ability to qualify for a mortgage loan, especially if you are going to be earning more money.  For some homebuyers, however, the effects of changing jobs can be disastrous to your loan application. How Changing Jobs Affects…

Important Things To Avoid Before Buying a Home When a lender reviews your loan package for approval, one of the things they are concerned about is the source of funds for your down payment and closing costs. Most likely, you will be asked to provide statements for the last two or three months on any…

Benefits of Owning Your Own Home Both indoors and outdoors, you will probably have more space if you own your own home. Even moving to a condominium from an apartment, you are likely to find you have much more room available – your own laundry and storage area, and bigger rooms. Apartment complexes are more…

When you rent as opposed to owning a home, you are normally limited on what you can do to improve your home. You have to get permission to make certain types of improvements. Nor does it make sense to spend thousand of dollars painting, putting in carpet, tile or window coverings when the main person who benefits…

Some people are just lousy at saving money, and a house is an automatic savings account. By owning your home, you essentially accumulate savings in two ways. Every month, a portion of your payment goes toward the principal. Admittedly, in the early years of the mortgage, this is not much. Over time, however, it accelerates.…

When you rent a place to live, you can certainly expect your rent to increase each year – or even more often. If you get a fixed rate mortgage when you buy a home, you have the same monthly payment amount for thirty years. Even if you get an adjustable rate mortgage, your payment will…

Because of income tax deductions, the government is basically subsidizing your purchase of a home. All of the interest and property taxes you pay in a given year can be deducted from your gross income to reduce your taxable income. For example, assume your initial loan balance is $150,000 with an interest rate of eight…

As a fairly general rule, homes appreciate about five percent a year. Some years will be more, some less. The figure will vary from neighborhood to neighborhood and region to region. Five percent may not seem like that much at first. Stocks (at times) appreciate much more, and you could earn over six percent with…