TOP PRODUCER IN 2007,2008 and 2009 & I'll do it again in 2010!!!!!!
 .

2009 has been very fine!
PRICES ARE STILL AT AN ALL-TIME LOW !  THERE ARE  MORE FORECLOSURES AND SHORT SALES TO COME.  BUT, NEVER FEAR - WITH A PROFESSIONAL AT YOUR SIDE YOU WILL FIND A GREAT HOME.

SELLERS IF YOU NEED TO SHORT SALE YOUR HOME JUST GIVE ME A CALL. 772 359 4841

FOR A LIST OF BARGAIN HOMES PLEASE E MAIL ME WITH YOUR CRITERIA OR CALL MY CELL 772 359 4841.

Areas ;PORT ST LUCIE, ALL AREAS OF THE COUNTY OF ST LUCIE. PALM CITY, JENSEN AND STUART.

DRIVING BY AND NEED MORE INFO ?
 
CALL MY CELL  772 359 4841

1. Check Your Credit Reports . Mistakes happen make sure everything is correct.

2. Resolve any issues on the Credit Report and pay down credit card bills.

3. Don't charge your credit cards to the max.

4.  Avoid finance companies.  Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

5.  Don't purchase big ticket items like an automobile till after your loan is approved.

6.  Don't open new credit accounts before applying for a mortgage.
 
7.  Shop for mortgage rates all at once.  Too many credit applications can lower your score, BUT  multiple inquiries from the same type of lender are counted as one(1) inquiry if submitted over a short period of time

1.   PRICE YOUR HOME TO SELL! (SHORT SALES ARE NO PROBLEM) FOR MORE INFORMATION JUST CALL ME  772 359 4841.

2.   TEST    :    Get the house cleaned and de-cluttered landscaped and freshly painted if you can, then step outside  -  walk up  to the front door - go in -   would you  buy your home?

3.   Be flexible about showings;  a spur of the moment buyer driving by could mean the sale.

4.   Be ready for offers  - decide what you are willing to accept.

5.   Be prepared to re-position the price if the home has been on the market more than 60 days without an offer.

Typical costs for SELLERS:

% TO BROKERS
DOCUMENTARY STAMPS ON THE DEED
PRO-RATED TAXES FROM JAN 1 TO DAY OF CLOSING
REPAIRS  TYPICALLY  1.5% OF THE PURCHASE PRICE(UNLESS SOLD AS IS )
TERMITE REPAIR  TYPICALLY UP TO  1.5%  OF THE PURCHASE PRICE  (NEED CLEAR TERMITE FOR MOST  LOANS)
RECORDING FEES AND COURIER FEES 

TITLE INSURANCE IS NEGOTIABLE CAN BE A SELLER OR BUYER COST 



BUYERS:

TRANSACTION FEE  
LOAN ORIGINATION FEE  
APPLICATION FEE
APPRAISAL FEE
SURVEY
YOUR LOAN OFFICER WILL GIVE YOU A GOOD FAITH ESTIMATE MAKE SURE YOU READ IT CAREFULLY 

CALL OR E MAIL  janine@janinekowalski.com
 FOR BANK AND MORTGAGE INFORMATION

Schedule your Home Inspection (typically within 10 days of the effective date of contract) - you will be provided with at least  2 brochures. Buyer must select.

Make sure your inspector checks for CHINESE DRYWALL; termites and mold,
Get a wind mitigation certificate  to help discount your homeowners insurance .
 

Pre Pay    I year   Homeowners   Insurance     

get condo   or   Home Association approval if applicable

  

Utility services  set up in advance

 

 

Change of Address    online   at   www.usps.com   or   at local post   office  

 

Documents needed     for closing:

 

Proof   of   Homeowners Insurance

Drivers License   or   Photo ID

Cashiers cheque   made out to the Title Co   for   balance to close

  (Title Co. will inform you of the amount).