Category Archives: Buying homes in Ocala

What to do to Purchase a Home

WHAT TO DO TO PURCHASE A HOME

Purchasing a home is the largest investment that most people undertake in their lifetime. Since credit scores are very important factor in determining what terms the buyer would receive on the financing in the purchase of a home, buyers should know what they can do to improve their credit scores.

First thing is get credit scores from the three major credit bureaus, Experian, Equifax, and Trans Union. These scores should be similar, if not, then there are discrepancies that need to be looked in to.

If you find any errors, they should immediately be challenged in writing by filling out a dispute form located on the back of the credit report. Once the credit bureau as received the written challenge, they must notify the retailer and then the retailer has 30 days to respond in writing. If they fail to respond the consumer gets the benefit of any doubt, but the down fall it takes 30-45 days to correct it. It is recommended that the buyer get credit scores 45-60 days prior to closing on home, to give enough time to fix errors.

Do not make inquires for additional credit such as department store, auto dealers, furniture etc. Recent inquires lower scores.

Payoff as many outstanding balances owed on credit cards and other month to month and do no use credit cards until after closing.

Pay obligations timely.

Do not use credit cards to pay off another during 30-45 days of closing period, as both credit card balances will show up increasing debt ratio.

Do not use consumer finance companies. They lower your score.

Never go to consumer counseling service when you apply for home loans. This alerts credit bureaus that you are unable to pay bills and will have an effect such as bankruptcy would.

If you have relatives that are willing to help you, have them pay off your credit cards to help wipe out debt. Present estate gift laws allow relatives to give $11,000 per year. Another way a relative can help is to buy down the mortgage rate, or they can act as co– borrowers.

It is always good to check your credit report yearly. We found someone used my husbands name and SS# and we had a judgment on one of the three reports.

I hope this was informative for you and your friends. I hope you are doing well. If you need anything call me 352-266-2637.

I work with Rick Durham Bank of England, he is wonderful, call her for loan information– 352-804-5883

– Rhonda

Do you know anyone that needs an In Law Suite?

This spectacular home features tall cathedral ceilings, a unique split bedroom floor plan with wood flooring accented with ceramic tile, lots of closet space throughout the main living area, a wood burning fireplace, a spiral staircase that leads to a loft and a formal dining room. The open kitchen has beautiful cabinetry, solid surface counter tops and stainless steel appliances. The large master suite has walk in closets, double vanity sinks, and a stunning ceramic tiled walk in shower with a built in seat. There is also a mother in law suite with its own living quarters, a separate bedroom, a full bathroom and set up for a kitchen installation. On the rear of the home is an “L” shaped screened in lanai, a big back yard and a shed. Beautiful home in Ocala, Fl. Call Ocala’s Realtor, Rhonda to view 352-266-2637. WatchVirtual Tour

Historic Home Ocala Florida|519 Tuscawilla Ave

Are you looking to buy a home in Ocala, Fl? Here is a Beautiful Historic Homes Downtown Ocala, Fl. Built 1923, has 2111 sq ft under air. Two porches upstairs and two down stairs. Fireplaces in 2 bedroom and dining room and living room. Real Hardwood floors thru out home. Call Rhonda for more information and to view 352-266-2637

For Help with Real Estate just call and Say
“Help, Help me Rhonda”

Buckner Homes Realty Inc
3200 SE 20 Ave
Ocala, FL 34471
352-266-2637
BucknerHomes@gmail.com

Did you do a Short Sale?|What is Time you must wait to get New Loan?

Rules are changing! For everyone out there that had to sell their home as a short sale, you are being rewarded. New rules states that is you had a true hardship, like loss of income, loss of job, cut in pay, medical bills, and job transfer, then you could qualify for a new mortgage in as little as 1 year for you close date on the short sale.

The normal time frame is three years and 1 days before you can write application for a new loan. If you have waited that long then you would be qualified for First Time Home Buyers Program with $10,000 give to cover closing cost and down payments.

Now if you have saved 20% of the purchase price you can always get a conventional loan, with just a 2 year waiting period after short sale.
I hope this help you under stand what it will take to get a loan after a short sale.

When you are ready to purchase give Rhonda Buckner a call 352-266-2637 she has a reputation for result. As always, if you have any questions about real estate in Marion, Lake and Citrus County give us a call.

Buckner Homes Realty Inc
3200 SE 20 Ave
Ocala, Fl 34471
BucknerHomes@gmail.com

Beautiful 3/2 pool home in Summerfield

Rhonda Buckner with Buckner Homes Realty
3200 SE 20 Ave. Ocala, Florida 34471
352-266-2637
www.BucknerHomes.com
6230 SE 135 ST, SUMMERFIELD, FL 34491
***NOT A SHORT SALE OR BANK FORECLOSURE*** This gorgeous, very well kept, pool home sits on 3 beautiful acres. The property is mostly cleared with scattered grand daddy oaks. A pond has been dug waiting to be filled with water. The home features a split bedroom floor plan, cathedral ceilings, ceramic tile & laminate floors throughout the main living area accented with wall to wall carpet. The spacious eat in kitchen has granite counter tops, awesome cabinetry, & stainless steel appliances. There is an enclosed lanai with stunning tile & glass windows. The large master suite has his & hers walk in closets, over size his & hers vanities, a separate shower & a tub for two, all of which are neutral colored marble. Out back is one of the prettiest in ground concrete pools with a gazebo & waterfalls in the county. As if that wasn’t enough there is also a detached garage / work shop with an added carport. Call today for an appointment to see this stunning property!

Give Rhonda a call to help you find that perfect home and to discuss the options that buyers have. As always you can search for homes in Florida at www.BucknerHomes.com . I am always here to help you.
Just call and say Help Help me Rhonda 352-266-2637

FORT MC COY 4 BEDROOM ON 10 ACRES

Rhonda Buckner with Buckner Homes Realty
3200 SE 20 Ave. Ocala, Florida 34471
352-266-2637
www.BucknerHomes.com

4 BEDROOM ON 10 ACRES

Real Estate for Sale, ListingId: 22578697, Ft Mc Coy, FL  32134

12160 ne 135 st, FT MC COY, FL 32134

A must see property, 3655 sq ft on 10 acres, very private. Eat in kitchen with stainless steel appliances, a double oven, granite counter tops and a beautiful island. Split bedroom floor plan, covered porch, formal living and dining room. Call for more info. $229,000


Give Rhonda a call to help you find that perfect home and to discuss the options that buyers have. As always you can search for homes in Florida at www.BucknerHomes.com . I am always here to help you.

Just call and say Help Help me Rhonda 352-266-2637

30-Year Fixed Mortgage Rates Decline for 4th Consecutive Week

Rhonda Buckner with Buckner Homes Realty
3200 SE 20 Ave. Ocala, Florida 34471
352-266-2637
www.BucknerHomes.com

Read more great news posted on Zillow today!
Mortgage rates for 30-year fixed mortgages fell this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 3.31 percent, down from 3.34 percent at this same time last week.

The 30-year fixed mortgage rate remained relatively flat for the majority of the week, hovering between 3.34 and 3.32 percent before dropping to the current rate this morning.

“Amid continued economic uncertainty both domestically and abroad, mortgage rates held steady near this year’s lows,” said Erin Lantz, director of Zillow Mortgage Marketplace. “We expect mortgage rates will remain close to these levels during another relatively quiet week for economic events and data.”

Additionally, the 15-year fixed mortgage rate this morning was 2.53 percent, and for 5/1 ARMs, the rate was 2.22 percent.

What are the rates right now? Check Zillow Mortgage Marketplace for up-to-the-minute mortgage ratesfor your state.

04-23-13 1003AM

*The weekly rate chart illustrates the average 30-year fixed interest rate in six-hour intervals.

Give Rhonda a call to help you find that perfect home and to discuss the options that buyers have. As always you can search for homes in Florida at www.BucknerHomes.com . I am always here to help you.

Just call and say Help Help me Rhonda 352-266-2637

GOOD NEWS FOR OCALA’S REAL ESTATE MARKET

Rhonda Buckner with Buckner Homes Realty
3200 SE 20 Ave. Ocala, Florida 34471
352-266-2637
www.BucknerHomes.com
According to Trulia’s latest predictions Ocala seems to be rebounding

The average price per square foot for Ocala FL was $65, an increase of 12.1% compared to the same period last year. The median sales price for homes in Ocala FL for Jan 13 to Mar 13 was $86,000 based on 713 home sales. Compared to the same period one year ago, the median home sales price increased 13.8%, or $10,400, and the number of home sales decreased 15%. There are currently 2,687 resale and new homes in Ocala on Trulia, including 1 open house, as well as 3,243 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in Ocala FL was $271,165 for the week ending Apr 10, which represents an increase of 0.9%, or $2,374, compared to the prior week.

Give Rhonda a call to help you find that perfect home and to discuss the options that buyers have. As always you can search for homes in Florida at www.BucknerHomes.com . I am always here to help you.

Just call and say Help Help me Rhonda 352-266-2637

OCALA CONDO CLOSE TO HOSPITALS

Rhonda Buckner with Buckner Homes Realty
3200 SE 20 Ave. Ocala, Florida 34471
352-266-2637
www.BucknerHomes.com

3031 Se 5 Ter, OCALA, FL 34471

CONDO CLOSE TO HOSPITALS

2 bedroom 1 bath condo located in SE Ocala. This condo has a large living area, open kitchen, large bedrooms, open patio for grilling. Close to shopping and transit system. $45,000

Give Rhonda a call to help you find that perfect home and to discuss the options that buyers have. As always you can search for homes in Florida at www.BucknerHomes.com . I am always here to help you.

Just call and say Help Help me Rhonda 352-266-2637

Thinking of Buying or Selling Your Ocala Home? | Buying & Selling in the Housing Market’s ‘New Normal’

Rhonda Buckner with Buckner Homes Realty
3200 SE 20 Ave. Ocala, Florida 34471
352-266-2637
www.BucknerHomes.com

Great information written by Jill Simmons. Check it out!!

Home-shopping season is just getting underway, and many people who’ve sat on the sidelines in recent years are finally ready to enter a market that might be quite different from what they’re expecting. Here are a few tips to help buyers and sellers get the best results in the competitive market.

Tips for buyers

1. Choose the right real estate agent. Times have changed. Due to inventory shortagesacross the country (down nearly 17 percent from last year) the tables have turned, and buyers are no longer in control like they were a few years ago. Not only is it hard to find a good home for sale, once you do, expect to be competing with lots of other buyers. Choosing the right agent is more crucial than ever in this type of environment. You need to find someone who is skilled at negotiations and knows how to handle competitive offer situations.

Tip: Read online reviews of agents, focusing on reviews of their negotiation skills. Then interview at least three agents and ask how they handle competitive bids, what you can expect in your area/price range and what your strategy will be.

2. Get creative. Search for homes that aren’t on the market but might actually be for sale — if the right offer came along. You’ve heard of agents soliciting homeowners asking if they’d be willing to sell? Zillow has a feature that enables homeowners to post a dream price for their home — without actually putting it on the market. Buyers can search for homes that are “listed” this way, and contact the homeowner directly to start a dialogue. Make Me Move® listings are the fastest growing listings on Zillow right now, due in no small part to lack of inventory. Who knows, your future home may not even be listed on the market.

3. Make yourself as attractive to sellers as possible. Come to the table pre-approved for amortgage and be able to put down 20 percent or more. Be prepared to close quickly — 30 days if possible as opposed to 60. Consider waiving certain contingencies. Write a heart-tugging letter as to what this home means to you — it works! Consider an escalation clause.

Tips for sellers

1. Price it right. Bidding wars are the new reality but only for homes that are priced right from the get go. Overpriced homes won’t attract buyer attention and therefore will miss all the action. Get lots of buyers interested in your home with the right price, and they’ll bid up from there.

Tip: Unsure of how to price your home? Try putting a Make Me Move price on Zillow first. It’s a low-effort way to test the market. You can gauge whether you get any interest from buyers, who are contacting homeowners with MMM listings in increasing numbers. You just may end up with a willing buyer, while avoiding the hassle of putting your home on the market, as well as the seller’s costs.

2. Your listing needs to be where the buyers are. Mobile is where it’s at. More and more buyers are using their mobile devices to shop for homes. Zillow says 60 percent of its weekend traffic comes from a mobile device. So make sure your home shows up on mobile real estate apps — and that it shows well. That means your listing should have lots of photos taken with a high-resolution camera.

3. Prioritize your home improvements. First, take care of any basic maintenance issues such as a leaky faucet or creaky door — small things that signal to buyers that the home hasn’t been property maintained and bigger issues could lurk ahead. Then before buyers walk through your door make sure your house is decluttered and sparkling clean! After doing these two things, you can make other basic improvements such as painting walls neutral colors, updating fixtures or installing a new appliance or two.

Tip: Don’t spend a lot of money on renovations just for selling purposes. Everyone has a different style, and while you may design your dream kitchen, buyers probably have other needs/wants in mind. Updates are fine; major, expensive overhauls are usually not worth it.

Give Rhonda a call to help you find that perfect home and to discuss the options that buyers have. As always you can search for homes in Florida at www.BucknerHomes.com . I am always here to help you.

Just call and say Help Help me Rhonda 352-266-2637