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Maureen Cool's Blog

Maureen Cool

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Displaying blog entries 21-30 of 512

Just Listed - 102 Whatley Blvd., Sebring

by Maureen Cool

Spacious 4 Bedroom 2 Bathroom Home

This home has lots of space for the price. The home is freshly painted inside and out. The kitchen has a stainless refrigerator, stove and new countertops and tiled backsplash. Both bathrooms have updates, and the home is newly tiled throughout. Enter into a spacious living room that flows to the dining area and kitchen. Dining area opens to family room with sliding glass doors to the screened porch. The master bedroom has two closets and a master bathroom room with step-in shower. The original carport has been converted to a fourth bedroom or bonus room. Large in-house laundry room. Per owner, the AC is three years old, roof approximately seven years., Appliances approximately  3-4 years old. Backyard has a barn-style shed.

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

How Large Should the Down Payment on Your Home Be?

by Maureen Cool

If you are planning to buy a house, there is so much you will need to figure out before you start looking at homes and ultimately make an offer, sign a contract and close on your new home. Just one thing to consider is the amount of down payment you will make on the home you buy. Many people will tell you that you need a minimum of 20% of the purchase price of the home to put down before you even consider buying a home. While a 20% down payment is common, there are low down payment mortgages available meaning you may be able to put as little as 3 or 5% down and still qualify for a mortgage.  

There are some advantages to making a larger down payment on a home. When you have less than 20% equity in the home you purchase, you will be required to carry PMI (private mortgage insurance) and this can cut into your housing budget. This insurance will protect your lender should you default on your mortgage and offers no protection to you. It is paid as part of your mortgage payment so there isn’t a way to get around having it. The lender will remove this from your payment once you build a certain amount of equity in your home but that may take time and you can spend a good bit of money on PMI for years before you are able to stop paying it.  

A larger down payment will also look good to the lender if you have had credit problems in the past. Even if your credit issues were years in the past, lenders may be hesitant about approving you for a loan. A larger down payment can help that since you are committing a larger amount of money toward building equity in your home, which means you are less likely to miss a payment on your mortgage. If your home goes into foreclosure, the mortgage holder would receive any equity left in the home after it was sold meaning you would lose the money you made as a down payment plus any additional equity you built up making monthly mortgage payments. A 20% down payment just might be the difference you need to get the loan approval you want.  

Interest rates can vary and the lender might be willing to give you a slightly lower interest rate with a larger down payment. While the interest rate difference may only be as much as an eighth or quarter of a percent, when you are borrowing hundreds of thousands of dollars, this can still provide significant savings over the life of your mortgage. The instant equity you have in your home with a larger down payment might also be beneficial if you were to need to borrow money in case of any emergency.  

What if you decide not to make a 20% down payment or you don’t have the savings for a down payment that large. Should you wait and save money for possibly years to be able to purchase a home? In today’s market, home prices are appreciating in almost all areas meaning a couple years of delay could cost you tens of thousands on the purchase price of a home if you have to wait several years to buy. Depending on where you live and the size of your family, you may also throw away thousands upon thousands of dollars on rent until you are able to save up enough money for a 20% down payment.  

There is not a right or wrong answer to this question. The best thing to do when deciding what is best for your situation is to talk with a mortgage professional or financial advisor to determine the best solution for you and how they can help you reach your goals.  

Contact me today for a consultation. I will be happy to answer any questions you may, help you determine the value of your home or help you find your dream home.
 

Maureen Cool, CRS
RE/MAX Realty Plus


www.TheCoolTeam.com
Maureen@ACoolRealtor.com

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Maureen Cool is your ultimate real estate resource for Sebring, Avon Park and Lake Placid and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.

Image courtesy of klhh/pixabay.com 

3 Things to Do if You Plan to Purchase a Home Soon

by Maureen Cool

If buying a home is part of your plan for 2018, there are some simple things you can do before you really start home shopping. These items are not part of the formal home buying process but will ensure you are prepared when the time comes. 

1. Check your credit score. Even if you always pay everything on time, there may be something on your credit score you don’t know about. Don’t leave this to chance because it is a very important piece of the process if you will be getting a mortgage. When you check your credit report, review it for any errors or accounts you were unaware of. If you will be getting a joint mortgage with another person, make sure you check both of your credit reports. There may be something you forgot about from the past or even mistakes that you can get corrected if you know about them before the last minute. 

2. Find a professional real estate agent to look out for your best interests and guide you through the home buying process. People work with real estate agents for a variety of reasons. Maybe you drove by a house you liked and called the person on the sign, found someone when you were browsing online or have a friend that sells real estate. While none of these are the wrong way to find a real estate agent, they may not provide you with the best agent for you. Think about it this way, if you needed a cardiologist, would you just call the person on the sign or would you research your options and pick the one with the best experience and knowledge to help you with your condition? Real estate is no different. All agents aren’t created equal. A good way to find an agent is to talk with friends or coworkers and ask who they have used. If they were happy with their experience, call that agent and talk to them about your needs. Make sure they know the area you are interested in well and have the experience you need to help you should any problems arise. This is not a one size fits all business so make sure the agent you choose has the best approach for you. 

3. Start cleaning out stuff. If you are buying a new home, you will be moving soon and do you really need to move boxes of things that you will never use. If you are holding on to things that you don’t use anymore, now is the time to purge. This doesn’t mean you have to get rid of everything but if you are holding onto things you haven’t touched in years, let them go. 

Once you are ready to officially start your home search, there will be many more things you need to accomplish. The agent you select will guide you through this process so you can achieve your goal of purchasing a home in 2018.  

Contact me today for a consultation. I will be happy to answer any questions you may, help you determine the value of your home or help you find your dream home.
 

Maureen Cool, CRS
RE/MAX Realty Plus


www.TheCoolTeam.com
Maureen@ACoolRealtor.com

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Maureen Cool is your ultimate real estate resource for Sebring, Avon Park and Lake Placid and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.

Image courtesy of cafecredit.com/flickr 

Just Listed - 3240 Lakeview Drive, Sebring

by Maureen Cool

Carefree Living at Lake Jackson!

Welcome to 3240 Lakeview Dr.  This lake home overlooks Lake Jackson and has a private dock with electric boat lift built by Burke Marine Builders in 2014.  Lake Jackson is Sebring’s premier lake with a clean, clear sand bottom with over 3,200 acres of lake-life fun.Enter the home into the living room from the large screened porch.  The home is clean neat and move in ready.  The home is completely tiled throughout for carefree lakefront living. The open concept consist of the living room flowing to a dining area to the left and family room connecting to the living room.  A breakfast bar separates the dining area from the kitchen. The cabinets are original wood and match the built in dining area buffet.  The master bedroom has a private hall bathroom.  The secondary bedrooms offer lots of space for guest and are separated by a hall/guest bathroom.The large screened porch is great when entertaining and offer great views of the lake.  The carport is adjacent and can be easily enclosed for additional living space.You will enjoy the continuous 10 mile side walk around Lake Jackson for biking, walking, a quick run. This home is convenient to downtown Sebring and US 27 and the Parkway.

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

It Is a Beauty Contest: Preparing Your Home for the Market

by Maureen Cool

There is a lot to consider when selling your home and one of the things to put at the top of your list is the photos of your home. In 2017, the largest segment of home buyers were millennials and according to the National Association of Realtors, 99% of millennials search for homes online. The pictures of your home will show up on websites across the world and are the greatest factor in determining if buyers will schedule an appointment to see your home in person. I seriously mean the biggest factor. It doesn’t matter what the price of your home is if the pictures are awful when someone looks at them, they are unlikely to want to see it in person.

I am sure you have heard that you never get a second chance to make a first impression and selling your home is no different. Your photos need to say everything about your home and entice buyers to want to see your home in person right away. Now that we have explained the importance of your photographs, here are some tips to get your home ready for its close up. Clean and not a quick cleaning job. If you aren’t up for the task, hire a cleaning crew for a deep clean. Floors, windows, fixtures, baseboards, appliances, bathrooms and everything in between.

  • Have your carpets professionally cleaned as well. It really does make a difference.
  • Declutter and depersonalize all the rooms in your home. Countertops and table tops should be empty minus a single statement piece. · Clean out your closets. Nothing says not enough storage space like an overflowing closet. Don’t run buyers away because your walk-in won’t hold all of their shoes.
  •  Don’t skip the garage. How many people park cars in their driveway instead of the garage because the garage has turned into a storage space? Buyers want to see a spacious garage with room for their car plus storage of outdoor tools and sporting equipment.
  • Enhance your curb appeal with paint touch ups, power washing, fresh pine needles or mulch, a new welcome mat, bright flowers, a nicely manicured lawn and trimmed bushes, empty gutters and a functioning door bell.
  • Enlist an honest friend to walk through your home with you and point out the areas that need to be repaired. It’s easy to overlook things when you see them every day but a buyer will scrutinize every detail so you want to get ahead of them.

Once your home looks like it belongs on an HGTV special, have your agent send a professional photographer to capture its beauty. These photographs will be everywhere in a matter of hours so they need to showcase your home like a fine piece of art. The extra attention you put into preparing your home for the market will be noticed so have a plan for where to go when it’s time for your first showing so the buyer of your home can enjoy looking at your home in private.

Happy Selling!

Contact me today for a consultation. I will be happy to answer any questions you may, help you determine the value of your home or help you find your dream home.
 

Maureen Cool, CRS
RE/MAX Realty Plus


www.TheCoolTeam.com
Maureen@ACoolRealtor.com

Let’s Connect!

Facebook
Google+
Pinterest

Maureen Cool is your ultimate real estate resource for Sebring, Avon Park and Lake Placid and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.

Image courtesy of erikawittlieb/pixabay.com

Just Listed - 1101 Lake Lotela Dr., Avon Park

by Maureen Cool

Charming, Move-In Ready Lakefront Home

Don’t Miss your opportunity to live on beautiful Lake Lotela! This beautiful home is move-in ready located on 3/4 acres with 173 feet of premier lakefront property. This home is also a short cart ride to the historic 1920's Donald Ross designed golf course Pinecrest. This custom home was renovated in 2013 by Sedlock & Heston no expense was spared! Enter into the expansive Great Room with offers stunning lake and pool views through a wall of glass sliders. Enjoy this spectacular view indoors or outdoors in the 15x40 saltwater pool overlooking the lake. The pool’s high elevation gives it an infinity pool effect making it the perfect way to relax and enjoy the views. This chef's dream kitchen features granite counters, rich dark wood cabinetry, stainless appliances, gas stove, bar island, & eat-in dining space. The master suite has a large dressing area with double vanity, two huge walk-in closets, en-suite with soak tub/shower. Sliders open to lanai. Other upgrades included bathroom vanities, wood tile & porcelain floors, crown molding, wide baseboard, leaded beveled glass front door & side lights. This is a must see!

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

Just Listed - 117 Crane St., Sebring

by Maureen Cool

Move-In Ready Home in Sebring Hills

If you are tired of looking at fixer-uppers, then look no more. This Sebring Hills home is move-in ready. Offered by the original owner of 43 years, this home has a new roof just installed in December, along with new carpet, fresh interior paint and professionally cleaned. Original kitchen has been replaced and the HVAC system is approximately three years old. Also, newer is the front door and glass storm door. This home has been well maintained and will offer peace of mind purchase! The spacious living room flows to dining space and kitchen. Sliders open to the large family room with separate AC unit and two ceiling fans. Additional sliders open to the small covered porch. The master bedroom has a private bathroom with step-in shower. The hall/guest bathroom is directly across from guest bedroom. The deep one-car garage has a closet laundry room for the include with sale washer/dryer. A door from the dining area opens to the garage and has vinyl floors to serve a bonus room if needed. The shaded backyard has a 14x16 workshop with electric plus two additional sheds for storage.

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

Just Listed -3737 Sebring Pkwy, Sebring

by Maureen Cool

Charming Jackson Heights Home Loaded with Numerous Updates and Upgrades

Step into a spacious living room with an open floor plan that flows nicely into the dining room. The updated kitchen is to the right and features a breakfast counter, white cabinets, new granite counters tops, and upgraded tiled backsplash. The large family room is to the left with a door opening to the screened porch and patio with spa. The master bedroom boasts an expansive walk-in closet and master bathroom with step-in shower. The split floor plan has a guest bedroom and hall. This home has excellent curb appeal and plenty of driveway for parking. The two-car garage has a new skeeter beater screen door, and all windows have been replaced. Other updates include new exterior paint and carpet. HVAC system is approximately five years old, and the roof was replaced two years ago per owner. Located within walking distance of the 10-mile sidewalk around Lake Jackson.

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

Just Listed- 19 A Miracle Ave., Avon Park

by Maureen Cool

Lake Verona Views!

Welcome to 19 A Miracle Ave on Lake Verona in the heart of Downtown Avon Park.  This second story condo has views of Lake Verona and the City of Avon Park from the enclosed porch and master bedroom.  This home is completely turn-key and ready for you to move – furnished, and equipped right down to the lines!  The entry leads into the large living room and dining room area.  Sliders extend the living space into the enclosed porch.  The eat-in kitchen has space for a small table, lots of counter space, pantry and laundry room with a stackable washer dryer.  The range was replaced in 2016.  The master suite has a large walk in closet and private bathroom with shower/tub combo.  The guest bedroom and hall/guest bathroom is a nice retreat for visitors.  HOA fees are $475 per quarter and include all common areas, outside building and ground maintenance.  This is an affordable home for the winter or year round living.

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

Just Listed - 626 Killarney Dr., Sebring

by Maureen Cool

Beautiful lot with 100' directly on Little Lake Jackson

Welcome to 626 Killarney Drive a beautiful building lot with 100' directly on Little Lake Jackson. Also included is an existing dock to sit and enjoy views of the Historic Harder Hall, serene lake setting or tie your boat up and enjoy a picnic on the shore while you are waiting to build your dream home. Little Lake Jackson is 137 acres and has access under the bridge on US 27 to Lake Jackson with over 3,200 acres of fishing and water activities. Both lakes offer some of the best bass fishing in Highlands County. Invest now to build your future home or come and enjoy your own private access to living the lake lifestyle until you are ready to build.

Contact Maureen Cool of A Cool Realtor for more information or to schedule a showing.  Visit www.ACoolRealtor.com or email Maureen@ACoolRealtor.com

Displaying blog entries 21-30 of 512

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Photo of Maureen Cool, CRS, CIPS, RSPS Real Estate
Maureen Cool, CRS, CIPS, RSPS
RE/MAX Realty Plus
809 US 27 South
Sebring FL 33870
863-873-7243
Fax: 863-385-5897

Maureen Cool * RE/MAX Realty Plus
809 US 27 South, Sebring, Florida 33870
Office: 863-385-0077 X215
Direct: 863-873-7243
Fax: 863-385-5897

 
           


 

Maureen Cool of RE/MAX Realty Plus offers real estate services to buyers, sellers, relocation's in the Highlands County real estate area.

Including Polk County, Hardee County, Okeechobee County, Desota County and Glades County.


Whether you are looking for luxury, investment, second home, commercial, bank owned, foreclosures properties Maureen Cool and The Cool Team are your real estate professionals for the entire Central Florida area.
 

Maureen Cool is your Luxury Home Expert in Highlands County. 
She can assist you with your Sebring, Avon Park and Lake Placid real estate needs. 

 

 

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Kim Hughes Real Estate Virtual Assistant

 

Copyright © 2013 Maureen Cool. All rights reserved.

Unless otherwise indicated, all materials on these pages are copyrighted by Maureen Cool. All rights reserved. No part of these pages, either text or image may be used for any purpose other than personal use. Therefore, reproduction, modification, storage in a retrieval system or retransmission, in any form or by any means, electronic, mechanical or otherwise, for reasons other than personal use, is strictly prohibited without prior written permission.