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4 Great Tips For Purchasing Your Next Home

If you are getting ready to buy a home then this article is for you. Whether you are a first time buyer or have bought a home in the past this article will help guide you to make sure your home purchase one is a low stress and successful one.

Included in the article are great resources from +Bill Gassett, +Luke Skar, +Kevin Vitali and more.

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Seller's Disclosure...What You Need To Know

A Seller’s Disclosure helps protect the buyer from defects or problems with the home and surrounding property. The Seller’s Disclosure provides a list of any known problems or issues, providing the buyer with advance notice of any repairs that may need to be made. Not only does the disclosure inform buyers, but it also protects the sellers from any future legal actions. The Sellers Disclosure is usually provided to a buyer before an offer. However in some markets it is provided once there is an accepted offer. Smart sellers provide this disclosure before an offer. This saves both the seller and buyer time, hassle and expense by preventing deals from falling apart once they are in escrow. Buyers are required to sign off on all disclosures and reports. So it’s important to review the documents carefully and ask questions if you need to.

Sellers are only required to report what they know. They are not held responsible if they answer “no” or “unknown” to one or more disclosure questions. The disclosure paperwork defines the scope of liability for the seller, who “is not liable for any error, inaccuracy or omission for information that is not within his/her actual knowledge.” For example, a seller could legitimately be unaware of a serious problem- like a cracked foundation or termites deep in the walls or a roof on the verge of leaking. Under those circumstances, in most cases, the seller wouldn’t be held responsible. Standard disclosures include existence of pets, termite problems, any history of property disputes and or malfunctions with major systems or appliances.

Federal Law requires certain disclosures, such as existence of asbestos or lead-based paint in the home, or other known health or safety risks.

A typical Sellers Disclosure form will include the following topics/areas of concern regarding the home.

Structural, Electrical and Plumbing issues
Hazards such as radon, toxic mold, asbestos and lead-paint
Flood danger or existing damage from floods
Water sources, rights and contamination
Property issues such as soil condition and contamination
Title, property rights and ownership
House Systems
Land and drainage
Water source
Sewer system
Homeowners Association
Miscellaneous questions

Buyers should cross check these disclosures with city building permits and zoning reports. Keep in mind a Sellers Disclosure is not the same thing as an independent home inspection. the disclosure is the sellers knowledge of property. Buyers should always do a full property inspection, before moving forward with purchasing the home.

Ashton Kreidel-Realtor

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Blog Post By- Marcia C. Gallagher

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Celebrating Christmas in Florida

You won’t find snowmen or cold temperatures in the Sunshine State, but there’s still plenty of holiday activities to get you into the festive mood. Florida has an abundance of family-friendly winter wonderland-like venues that will put even the biggest Grinch in the holiday spirit. Here’s a look into some of the top Christmas events in Florida.

Mickey’s Very Merry Christmas Party, Walt Disney World- it’s one of Disney’s biggest annual events held in the Magic Kingdom. Marvel at fireworks, castle dream lights, parades and an endless amount of Christmas shows. Mickey’s Very Merry Christmas Party runs from November 8th until December 21st. For more information please visit their website

Nights Of Lights, St. Augustine- St. Augustine is one of America’s most charming cities. Visitors will find an impressive display of dazzling strung lights along the bayfront. In the center of the historic town plaza is the magnificent Christmas tree and displays. Watch the annual Christmas Parade weave down the 450 year-old brick streets. Visitors can take a horse and carriage tour or hop on one of the iconic local Christmas tours. Nights Of Lights runs from November 17th to January 31, 2019. For more information please visit their website,

Busch Gardens Christmas Town, Tampa- The entire pack is transformed into a magical Winter wonderland. Celebrate and enjoy the ambiance of over two million twinkling lights, live entertainment, holiday shopping and plenty of festive treats. Don’t forget to visit Santa and his elves. For more information on Christmas Town please visit the Busch Gardens website,

ICE! at Gaylord Palms, Orlando- The most festive hotel in Orlando, Gaylord Palms holds an annual ICE! Event that takes holiday cheer to another level. The theme this is based on the Charles Dickens novel, A Christmas Story. You’ll walk through familiar scenes from the holiday movie...all in ICE! This year, as guests explore the nine-degree attraction, they will discover more than a dozen fan-favorite scenes from “A Christmas Story,” along with Event’s two-story ice slides and the popular Frostbite Factory live ice carving showcase. The ICE! experience ends with a separate area dedicated to a traditional Nativity created with crystal clear ice. ICE! Is the centerpiece of Christmas at Gaylord Palms but don’t forget to stop by the other displays and attractions. The Alpine Village, photos with Santa, the Gingerbread decorating, Build-A-Bear-Workshop and you have to go snow tubing! For more information on activities and events please visit their website, ICE! Runs from November 11th until January 6, 2019.

Pensacola Winterfest- The Pensacola Winterfest features the Polar Express mini tour or The Puppet Magic mini-tour. Enjoy the festive light displays as you stroll down the streets of Pensacola.

It’s Snowing In Celebration- The closest thing Floridians will get to a white Christmas! The annual snow event in Celebration is a beloved attraction providing white flurries, Charles Dickens Carolers, live performances, horse drawn carriage rides, skating and the Celebration Express Train. Snow falls nightly from 6-9 pm. It’s Snowing In Celebration runs from November 24th until December 31st. For more information please go to

Christmas In Mount Dora- If you’re looking to embrace the spirit of Christmas Mount Dora has it all. Celebrate the holidays against a backdrop of two million sparkling lights and a host of numerous events throughout the holiday season. There is so much this town has to offer to get you into the spirit of Christmas. Mount Dora kicks off their celebration of the Holiday on November 24th and concludes on December 31st. The list of events is so long I suggest you visit their website, christmasinmountdora

These are just a few of my suggestions on celebrating the upcoming holiday season. I hope you have a chance to enjoy one of the places I have suggested. Wishing you all a Blessed and Happy Holiday Season!

Blog By-Marcia Gallagher
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Tips For Working With A Realtor

Working with your real estate agent should be beneficial to your moving process. Your agent should help you find the exact home you want, guide you through the negotiations and get you the best price for your new home. Here are some helpful tips to create a great experience, avoid frustration and complications.

Choose One Agent & Only One Agent- Start by finding your agent through referrals. Networking with friends or family who had an outstanding experience with their realtor. The top realtors get their business through word of mouth. Avoid searching through ads in papers or on line. Sites like Angie’s List can be a great reference point. When you sign a contract with an agent they will generally expect exclusivity. This means if you see a house that interests you, contact your agent not the listing agent. Your agent will arrange showing appointments to see the home.

Move On...If You Are Not Satisfied- If you begin working with a realtor and are not satisfied with their work or your relationship don’t be afraid to move on. Your realtor plays a significant role in your home buying experience. Make sure you feel comfortable working together.

Know Where You Stand- The more prepared you are prior to meeting with your new agent, the better. Know your budget, neighborhoods that interest you and find out what kinds of loans and mortgages you are pre-approved for. This is setting up good frame work for your realtor.

Know The Difference Between Your Wants and Your Needs- In a previous blog I discussed how to define your Wants from your Needs. Your realtor needs to know the difference between the two, so he/she doesn’t end up running you around looking at homes you’re not interested in. (Please see our blog section on our website to define your needs vs Your wants)

Ask Questions- Be sure your agent can answer all those important questions you may have, especially for first time buyers. Buying a house is no small endeavor. Ask your realtor about how the buying or selling process works from the moment you sign a contract until you close.

Selling A Home..Use A Realtor- Taking a DIY (Do It Yourself) approach may seem intriguing and allow you to save money, but working with a realtor to sell your home will reduce stress, list your home accurately, provide top-notch marketing of your home, arrange showings and open houses and handle all of your negotiations.

Why Pricing Your Home Accurately Is Important- Take your realtors advice of the listing price of your home. They will list it accurately based upon a CMA (Comparative Market Analysis). If a home is priced too low or too high it won’t sell. Mispricing a home in the initial listing is costly to the seller in both time and money. The goal is for the price to be compelling- not too low not too high. When you price your home at market value it attracts up to 60% more potential buyer’s.

Listen To Your Realtor- A good realtor is educated enough to know what buyers want. they make buyer’s emotionally connect with your home. Determining a listing price for your home is part art and part science. Your agent knows your community, knows what buyers are buying and how your home will fare within the marketplace.

Communicate Expectations- Let your realtor know your expectations right off the bat.

Setting expectations for your realtor is beneficial for both of you. Define a clearly laid out plan so neither of you are left wondering. Some of your expectations may be the marketing plan, how will your realtor promote your home, how will they schedule open houses and track the response and scheduling showings.

Set Up A Reasonable Time Frame- Let your realtor know your time frame for both buying or selling a home. How quickly do you need to move or are you relocating and what is that time frame. Ask your realtor how long he/she expects your home to be on the market. Remember to be flexible.

I hope this blog has been helpful and please as always feel free to comment on this blog or any other blogs on our site.

Blog By-Marcia Gallagher
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