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Pool Homes in Jupiter and Tequesta under $400k

February 22, 2017 by gailmarcarelli Leave a Comment

Are you in the market for a pool home under $400k in Jupiter or Tequesta? Here are four to consider.
Pool home in jupiter

Ridgewood Homes

11 Pinetree Circle, Jupiter

This 3 bedroom/2 bath home is renovated from top to bottom! Impact windows, Heating/AC system and tile floors throughout. Real wood Shaker style cabinets in the kitchen, stainless steel appliances, crown molding and recessed lighting accent this bright open and inviting space. In ground propane with existing lines available for gas appliances, grill and pool heater. Outside enjoy your enclosed private freshly landscaped backyard with your own private in ground 20’X 32′ pool. Ample space on either side of the home for boat or RV parking.
Learn more about this Jupiter pool home here »

Listing courtesy of Illustrated Properties

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Jupiter pool homeJupiter Heights

3456 Palm Circle, Jupiter

This updated 3 bedroom/2 bath home is located in a boating community just east of US Hwy 1 and the Village of Tequesta. The community has access to a canal with boat slips available for rent.
Learn more about this Jupiter pool home here »

Listing courtesy of Real Estate of Florida

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Cove Point Pool Home for sale

Cove Point, Tequesta

9523 SE Cove Point

Cove Point is a small riverfront community on the Loxahatchee River. It is just north of Tequesta Country Club, south of Riverbend Country Club and west of Turtle Creek. This three-bedroom, two-bathroom home offers a remodeled kitchen with stainless steel appliances, granite counter tops, gas range, and tumbled French Travertine floors. Features include split floorplan, sky lights, central vac system, front loading washer and dryer, fully enclosed backyard with wooden fence. Over-sized, detached 2 car garage and in-ground pool with child safety fence. The exterior was recently repainted.
Learn more about this Tequesta pool home here »

Listing courtesy of Keller Williams Realty Jupiter

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Tequesta Pool Home for sale

Jupiter Ridge, Tequesta

19982 Gardens Drive

This charming home offers 3 bedrooms with 2 full baths on a large corner lot. Launch your paddle board or kayak from the nearby Jackson Riverfront Pines Natural Area. Features include tile floors throughout, in-ground solar heated pool, private backyard, 1 car garage, a car port and plenty of room for boat or RV parking in the extra large driveway. Close to Florida’s scenic Intracoastal.
See more about this Tequesta pool home »

Listing courtesy of Illustrated Properties/Jupiter

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See More Pool Homes in Jupiter for Under $400k »
See More Pool Homes in Tequesta for Under $400k »
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Learn more about Jupiter here »
Learn more about Tequesta here »
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Filed Under: Buyers, For Sale, Real Estate

Moving? How to break it to the kids.

January 6, 2017 by gailmarcarelli Leave a Comment

You have just found the perfect home for you and your family. Your next challenge is to prepare your kids to for the move the new home, new neighborhood and new school. How can you keep the drama to a minimum?

Five steps to ease the pain when moving with kids.

The younger the child, the less able he or she is to “see into the future.” Children tend to focus on losing what’s familiar, and they worry about missing friends and family. Before you sit down to tell your children about an upcoming move, prepare a comforting strategy:

  1. Let your children know, step by step, what is happening and what is likely to happen next.
  2. List all the advantages in the move. For example, will the family be closer to a favorite person, place, or activity? Will your children be able to see old friends and family?
  3. Share as much as you can about the new home, such as where their rooms and baths are and special features like a new playroom or swimming pool.
  4. Introduce your children to their new home online and in person, if possible. Show them where schools and parks are, and other points of interest to help them orient themselves in their new surroundings.
  5. Be ready for “What about me?” questions. Contact organizations for information about ways to continue your child’s special interests. Knowing they won’t have to give up favorite hobbies or sports goes a long way toward helping children adjust to a new environment.

Your preparedness will go a long way in reassuring your children that their needs are being considered, even while big changes are happening around them as your family prepares to move into a new home.
Tequesta Intracoastal
See what the Town of Jupiter and the Village of Tequesta have to offer your family.

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Filed Under: Buyers, For Sale, Home Purchase, Jupiter, Tequesta

The All Powerful Credit Score

May 26, 2016 by gailmarcarelli Leave a Comment

Your Credit Report and Credit Score (FICO) could be the biggest hurdle for you to clear when it comes to buying a home. Low credit scores don’t necessarily keep you from homeownership but they will be a big factor in determining how much home you can afford and how much cash you must come up with to secure a mortgage for the home you want. For an FHA loan, applicants are required to have a minimum credit score of 580 to qualify for the low down payment advantage, which is currently at around 3.5 percent. However, if your credit score is below 580, you may still qualify but will have to put down a 10 percent or more. In addition, two mortgage insurance premiums are required on all FHA loans: The upfront premium is 1.75% of the loan amount, $1,750 for a $100,000 loan. This upfront premium is paid when the borrower gets the loan. It can be financed as part of the loan amount. The 2nd is called the annual premium, although it is paid monthly. Here is a tool to determine how much an FHA mortgage will cost: FHA Mortgage Calculator

For conventional mortgages, you may be able to qualify for a mortgage if your credit score is low but your interest payment will be higher and the bank may require a greater downpayment.
Consider the following rough guide from Smart Assets:

  • Excellent (760-850) – Your credit score will have no impact on your interest rate. You will likely be offered the lowest rate available.
  • Very good (700-760) – Your credit score may have a minimal impact on your interest rate. You could be offered interest rates 0.25% higher than the lowest available.
  • Good (660-699) – Your credit score may have a small impact on your interest rate. This means rates up to .5% higher than the lowest available are possible.
  • Moderate (620-660) – Your credit score will affect your interest rate. Be prepared for rates up to 1.5% higher than the lowest available.
  • Poor (580-620) – Your credit score is going to seriously affect your interest rates. You may be hit with rates 2-4% higher than the lowest available.
  • Very Poor (500-580) – This is trouble. If you are offered a mortgage, you’ll be paying some very high rates.

Depending on your individual circumstances, the effects of your credit score on your interest rate may be smaller or larger than those listed above, but the general message should be clear. The lower your credit score the more expensive the mortgage and the more expensive the mortgage, the less house you can buy.

Credit scores also affect renters

Just about every landlord now asks to see credit reports. The rental market in some locations is extremely tight, as is the case where I work. I have seen some good candidates lose their bids on rentals with credit scores over 700 because there were some minor negatives in their reports. I was also astounded when a landlord I was representing turned down 2 candidates who offered to pay the entire annual rent upfront because their scores were lower than one who had a credit score above 800  (income was about the same). As you can see, some landlords, especially those with very desirable units, put a lot of weight on your credit score when making a decision.

Very troubling news about Credit Reports

According to Florida Realtors, The Consumer Financial Protection Bureau (CFPB) highlighted credit score problems faced by Americans in its monthly consumer complaint snapshot. According to the report, consumers continue to complain about incorrect information on their credit reports, as well as difficulty having errors resolved.
“Credit reports are the foundation of consumers’ financial lives,” says CFPB Director Richard Cordray. “Consumers continue to express their frustration about inaccurate information on their credit reports and difficulty in getting these errors fixed. We will continue to work to ensure that credit report disputes are investigated, errors are fixed and consumers are treated fairly.”
Consumer reporting companies track a person’s credit history and other information. Errors in a consumer’s file can affect everything from their eligibility to take out a mortgage to whether they’re eligible for a job. Since the CFPB began accepting credit-reporting complaints in October 2012, the Bureau has handled approximately 143,700 of them.

Credit score complaint topics

Incorrect information on credit reports: 77% of credit reporting complaints submitted to the CFPB relate to incorrect information appearing on their reports. Frequently, these complaints are about a debt collection item that has been paid but appears as an unpaid debt on the report, a debt that is not recognized by the consumer or a debt that is no longer due because it passed the point of being enforceable in court.
Difficulty disputing inaccuracies: Consumers consistently report difficulties disputing inaccuracies on their credit report, including long delays trying to speak to a representative at the consumer-reporting company that created the report or the company that furnished the information. Other consumers complained about negative customer service experiences when they were able to get through.
High-volume complaint companies: Out of all credit-reporting complaints submitted to CFPB between December 2015 and February 2016, 95 percent involved the three nationwide credit reporting companies – Equifax, Experian and Transunion, though some of the complaints focused more on the information other companies furnished to the top three credit reporting companies.

Specialty consumer reporting companies

Consumers also submitted more than 2,000 complaints regarding specialty consumer reporting companies that specialize in background and employment screening, checking account screening, rental screening and insurance screening.

Don’t wait

The absolute first thing you should do when you decide you want or need to find a new place to live is to get an update report from three major credit reporting companies. One of the easiest ways to do this is visit https://www.annualcreditreport.com/index.action.

Check the report for accuracy follow these tips and guidance for consumers  who want to review their credit report and improve their score.
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Filed Under: Buyers, Rent, Rent vs Buy

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