WelcomeWelcome to the premier resource for all real estate information and services in the area. I hope you enjoy your visit and explore everything my realty website has to offer, including Port Saint Lucie real estate listings, information for homebuyers and sellers, and more About Us, your professional Port Saint Lucie and Martin County Realtor. Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you. If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home. BLOGJobs and Homeownership-We Created Jobs in Our Communities!Nov 14 2011Real Estate Sales Create Jobs! I love what I do!In talking with one of the loan officers I  work with last week, we realized that in
working together to help people purchase and sell homes, we create about 12-20
jobs per transaction when closing on a home! If I close on just 2 homes a month
on the average, that creates, conservatively, just under 300 jobs! I am thankful to have closed over 30 transaction sides this year with the assistance of my affiliates and from my referrals! When we work
together to procure home ownership, we are helping people achieve andKEEP the American dream.
A home is a basic human necessity! Life circumstances determine the need for housing. Someone is getting married, someone is having a baby, someone has had a job relocation, someone, sadly, is getting a divorce, or someone would like a second home or a retirement home. There are many reasons for selling and purchasing a home.
· Home sales in this country generate more than 2.5 million private sector jobs in an average year. For every two homes sold, a job is created.
· Each home sale touches dozens of professions and, therefore, household incomes.
· Every home purchased pumps $60,000 into the economy over time for furniture, home improvements, and related items.
· Housing accounts for more than 15% of the Gross Domestic Product, making it a key driver in our national economy.
· Housing has led this country out of six of the last eight recessions.
ONE RESALE TRANSACTION CAN GENERATE THE FOLLOWING JOBS: · Realtor Selling Side · Realtor Buying Side · Mortgage Loan Officer and Staff · Home Inspector · Termite Inspector · Pool/Spa Inspectors · Septic System Inspector · Well Inspector · Appraiser · Surveyor · Insurance Agent · Wind Mitigation Inspector · Title Company Processor’s and Closer’s · Real Estate Attorney · Home Warranty Company · Listing Broker and Selling Side Broker (which pay administrative personnel) · Cleaning Companies · Lawn Companies · Maintenance Check Companies · And….much much more! Let me help you find your new home or help you sell your home! Let's keep our economy growing! Call me anytime, I'm happy to help! Angela Geller, Realtor ABR, GRI, CDPE, CRS REMAX of Stuart 772-418-4420 Direct angelageller@remax.net www.stluciehomesforsale.com 6 Important Factors That Get Your Home Sold!Nov 8 2011 Sellers have the most control when offering their home or property for sale. Why? Sellers have the final determination in pricing their home and setting a list price. Price your home over the market for homes that have SOLD recently that are very similar to yours will negatively impact how buyers take an interest in your property. In fact, pricing it emotionally or based upon what you feel is worth or what you have put into the home in dollars does not have an impact on how a home should be priced. Certainly, there are features that are considered and adjusted for in determining value, but there are guidelines that clearly define value. Your Realtor will provide you with current comparable sales and will help you in setting your price realistically. The price may not be what you would like to hear, but knowing where your home will fit in the current market conditions and pricing it as such is essential to a fast sale. Be willing to entertain offers. Many finance options are available to buyers that will help them obtain a mortgage, but will also help you sell your home. Weigh all aspects of an offer including the type of financing, time for inspections and loan commitments, type of loan approval the buyers have, in addition to the price being offered. Be willing to negotiate terms that are acceptable to the buyer as well as yourself. There are loan requirements to approving a mortgage, be amiable to hearing all your options. Be willing to be flexible for a positive end result. The condition your home is in when it is shown does make a difference! Clean your home! De-clutter, freshen your landscaping, repair items that need repair. Perform regular maintenance on your homes heating and cooling system. Remember, you want to sell your home, red flags such as disrepair or filth take money away from a sale price and add to the time it takes to sell your home. The timing in selling your home is affected by the current economic conditions which are not at all related to the price, condition and terms of selling your home. Season also can play a role in selling your home. The amount of homes that are currently on the market truly weigh heavily on the ability to sell your home quickly. Competition needs to be considered.  Finally, promoting your home. Your Realtor is in control of promoting your home. Today, there are many tools and resources a Realtor uses to promote your home in your neighborhood and around the globe. You want an agent who has the resources to do that. Not all resources work for all homes and markets, but be willing to accommodate your agent. Marketing your home involves a conglomeration of techniques and resources, work with your agent and listen to their expertise. They want to get your home sold too! Be receptive to their advice and allow them to use the tools they have. Be willing to accommodate showings and use a lock box for example. Many sellers dictate what they want an agent to do with no exception. Many times a seller hinders the sale of their own home. Communication is essential for all parties. The South Florida Real Estate Market is picking up speed!Sep 15 2011The South Florida Real Estate Market is picking up
speed! Our market is diverse, offering a wonderful variety of homes for first
time buyers, investors, vacation homes, luxury homes and homes for growing
families as well as second homes or adult 55+ homes. As diverse as our market
is, so are financing options. When working with buyers today, it is essential
to have financing in order prior to buying a home. Gone are the days where you
pick out your dream home then find financing. Competition is strong for bank
owned homes, but even stronger for homes in sought after communities or homes
offering features that are highly sought after. For a buyer to be competitive
and to have the best opportunity to have their offer accepted by a seller, it
is so important to have financing in order prior to looking for a home. Navigating
the road of loan approval can be overwhelming and intimidating, but with the
right professionals guiding you, the road will be easy to travel. The benefit of using us versus an online company is the fact that we are local so you can come and see us and review your personal information in private. As well we have a combined 50 years’ experience in our office ready to serve you. All of our appraisers are local so you will get the real value not what you would get from an appraiser who is out of town. As well Quicken loans or lending tree hire employees who may or may not have years of experience unlike us all of our employees are from the business and have years of experience. With Lending Tree your information is sold off to different Mortgage brokers, do you really want a bunch of strangers with all of your information? With Banks you are stuck with one set of guidelines. With us we have the availability to go to different banks and different lending institutions so we have access to different guidelines. As well when a bank is busy they can raise rates so as to slow down the volume here we have access to multiple places so we can shop your loan to get different rates and different programs so we make sure we get you a loan. Since all we do is loans we have to do it well and be the best. With banks you never know when your loan officer is going to be called into a meeting or worse they have to go to bank meetings to review all of the bank compliance requirements. What kinds of loans do you provide for your clients? We provide all of the loan programs available FHA, VA, Conventional, Second home, Investment, USDA, Foreign National, and reverse mortgages. If I have a client who has never purchased a home before, how do you help them in getting qualified for a loan? We review with first time home buyers all of the details it takes to buy a home and make sure they know what their costs will be with regards to purchasing a home. As well we review and find the best program for them. Before they go out and find a home we make sure their credit is good as well as their income and go over with them the right priced home for them so their dreams can become a reality not the worst case where they find a home and find out they cannot afford it after waiting so long.
If a buyer has an ‘approval’ already with another lender, how can they verify that it is ‘indeed’ a solid approval? When we do an approval we review the client’s credit, income, assets, and their employment. The process takes only about 15 minutes but we also ask to see their tax returns so that we can make sure that there are no unreimbursed business expenses that they have taken off. If you lender has not asked for all of this chances are good they didn’t do a thorough job. The last thing you want to hear is “sorry you’re not qualified” we do the leg work up front to avoid heartache in the end. How can I be sure that I am truly approved for the loan amount on my pre approval letter? I’ve had friends tell me that right before closing the bank decided they could not qualify for the loan and then we had to try to extend our contract or just could not buy the house we’ve been waiting to buy. Good question. The best thing to do is talk with your realtor, find out who they recommend these are people who sell property and go to closings. They often will align themselves with a lender who they have had experience closing loans with or have had deals where a lender didn’t get the job done and another lender was able to get the people approved. It often is the case where if it is too good to be true it just might be. Also ask the loan officer you are dealing with how long have they been doing it? How many loans do they close? Do they focus on purchase money mortgages or do they do all types of mortgages? Most people who focus on purchase money mortgages generally have more experience as the ones who do a lot of refinances have the throw it up against the wall attitude. Some agents said they would not show me a house until they talked with my lender, others did not care if I had been pre-approved or not and showed me the house. I guess some agents don’t want to show houses? A real professional realtor does more than just show you one house. They ask you questions and find out if the house you want to see is really what you want i.e. School district, size, location, most bang for the buck. They often do a good bit of work researching the property before you go see it to check some stuff out to make sure you won’t be let down. In this environment we see all too often where people do not qualify for a home after they have already looked and found one. The best thing to do is to get prequalified BEFORE you go look. This way you are not wasting your time in looking at stuff you are not approved to buy. Another reason is that if you do like the house and want to make an offer if the realtor does not have a prequalification letter most listing agents will not accept an offer. The prequalification stage takes as little as 10-15 minutes so it is best to do it up front anyway. During the process your loan officer can give you some good advice that might help out in your search. When homes owned by a ‘bank’, or foreclosed homes, state that they require the buyer to provide a pre-approval letter from the bank’s chosen or preferred lender, prior to submitting an offer, does that hurt the buyer’s credit score? And, why would the bank not use the buyer’s current approval, when the bank’s chosen lender is not doing a full approval up front? Actually it does in a sense. Every time your credit is pulled if the people pulling the credit do not have the bureaus tagged to the same type of pull then your score is affected by on average 3 points. The reason why they do not accept the preapproval letter in hand is because in many cases the company offering the preapproval hasn’t taken the time to review all of the pertinent items required to get the loan done.
My agent told me that the home I really wanted to see ‘does not qualify for my loan’. How can this be? Do they only want to show me what they want to show me? Some homes do not qualify for different programs for several reasons. Some programs are only offered in a certain geographical area and not others as in USDA or Rural housing loans. Others will not qualify due to the fact that they need work done on the homes that the seller is not willing to do in order for it to meet the standards of FHA or VA or even conventional. Most realtors will show any house but keep in mind it is their job to make sure they show you the right home for you based on the criteria you gave them.
Stay tuned for more Q &A!
Thanks to Chris Flaherty of Fidelity Funding, Port St. Lucie, FL for taking the time to meet with me and answer these commonly asked questions!
If you have more questions, please feel free to contact Chris or me anytime!
Chris Flaherty Angela Geller, Realtor, ABR, GRI, CRS, CDPE
Fidelity Funding Mortgage Corp RE/MAX 201 SW Port Saint Lucie Blvd 909 W. Midway Road Suite 103 Fort Pierce, FL 34982 Port Saint Lucie, Fl. 34984 772-418-4420 Direct 772-237-5211 Office Line 772-919-5020 Cell Phone ChrisF@goffmc.com angelageller@remax.net www.fidelityfunding.co www.stluciehomesforsale.com
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Contact Information
ABR, GRI, CDPE, CRS RE/MAX of Stuart 729 S. Federal Hwy Ste 100 Stuart, FL 34994 Phone: 772-418-4420 Email: angelageller@remax.net "Serving St. Lucie And Martin Counties" Testimonials
Thanks for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us our perfect first home. You are truly a professional. We will refer everyone to you!
Jeremy and Elizabeth
In all our dealings with Realtors over the past ten years, we have never met anyone as helpful and energetic as you have been. Without hesitation, we would highly recommend your service to anyone who is looking for an experienced Realtor who cares about getting things done and doing them right! Thanks for taking such good care of us, we couldn't have done it without you!
Tony and Annette
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