NEW HOMEOWNERS~ Change your locks!

Be sure to change the locks right away after moving

into your new home!

One of the first things new homeowners need do is change the locks on their new home.

You have no idea who might have a copy of your keys.

Investing a bit of money upfront can protect you from burglary down the road.

It’s also a good idea to make an extra copy of your keys, and leave them with someone you

trust, so you don’t have to shell out $100 to a locksmith, if you ever lock yourself out.

Better safe than sorry is my motto!

_______________________________________________________________________________

 OCALA FLORIDA HOMES

Looking to purchase or sell a home… I can sell any home in Marion County…

Call me today for more information regarding all your Real Estate needs.

Teresa Fikaris, REALTOR, Fontana Realty

Cell: 352-208-5874

CLICK ON LINKS BELOW TO CHECK OUT MY WEBSITE:

OCALABUYERSAGENT.COM or OCALAFLORIDAHOMES.NET

Going the extra mile with a smile!

Advertisements

BUYERS BEWARE!!!!

SCAMMERS HAVE LEARNED NEW WAYS TO SCAM BUYERS IN REAL ESTATE

 scam.jpg

If you are in the middle of a Real Estate transaction YOU NEED TO READ THIS. It can save you thousands of dollars, and a lot of heartache of being scammed out of “your” money, which could also result in you losing out in the purchase of your home.

What these scammers are doing is hacking into emails of any parties involved in the Real Estate transaction (The Consumer, Realtors, Title Agents, Lenders etc..). Once they have your contact information they learn of upcoming closings and get you to wire closing funds straight to their bank accounts.

I had a recent closing coming up, and I did not pay close attention to the exact name of the title company that sent me the email. It was close to the name of the company I was working with, and I assumed it was them. I completely did not realize it was not legit. I was actually expecting a HUD from First International Title, so looking quickly I did not realize it said, First American Title. I tried to open the HUD a few times, but my anti-virus software prevented it (thank God). I called the title company to ask them to send it to me again as an attachment, so I could open it. The title agent said, they never sent it. I thought it was strange that there was a signature line, but no contact numbers. The Title company told me of many other incidents like this with scammers that they personally have come in contact with recently. It also happened to an agent here locally where the Buyers they were working with wired $8,000 (for their closing), and unfortunately they were not able to recover their money back.

Check out this video posted on You Tube, “Voice for Real Estate” regarding Real Estate scamming: https://www.youtube.com/watch?v=YKDbQ2kwHew

This is pretty scary, that these scam artists are very sly in their attempt to get you off guard.

BEFORE YOU WIRE ANY FUNDS FOR CLOSINGS be sure to confirm information by phone with your title company. It’s a shame that there are people that learn ways to scam and cheat people. Don’t be their next target!

 OCALA FLORIDA HOMES

Looking to purchase or sell a home… I can sell any home in Marion County…

Call me today for more information regarding all your Real Estate needs.

Teresa Fikaris, REALTOR, Fontana Realty

Cell: 352-208-5874

CLICK ON LINKS BELOW TO CHECK OUT MY WEBSITE:

OCALABUYERSAGENT.COM or  OCALAFLORIDAHOMES.NET

Going the extra mile with a smile!

Market Update…. New Construction Going Up All Over….

New Construction is happening all around our area…. Ocala/Marion County is back on the map!!! That is exciting news that our local economy is on the uptick. When builders start building homes again, recovery is in sight. Several new communities are springing up. Have you noticed that it’s not just new homes that are being built? Commercial Sales are up too. It seems like all the larger car dealerships are building massive new stores. As a Realtor you couldn’t ask for more.

New Construction 1 New Construction 2 New Construction 3

I recently just purchased a new home myself. In my community there are at least 20 new homes being built at the same time with a few different builders. If you are sitting on the fence in your decision making, DO NOT WAIT!!!! NOW IS THE TIME!!! We still have awesome prices and great low interest rates (although prices  and rates have inched up somewhat). Let me know how I can assist you or someone you know.

 OCALA FLORIDA HOMES

Looking to purchase or sell a home… I can sell any home in Marion County…

Call me today for more information regarding all your Real Estate needs.

Teresa Fikaris, REALTOR, Fontana Realty

Cell: 352-208-5874

CLICK ON LINKS BELOW TO CHECK OUT MY WEBSITE:

OCALABUYERSAGENT.COM or  OCALAFLORIDAHOMES.NET

Going the extra mile with a smile!

 

Things you SHOULD and SHOULD NOT do when getting a mortgage.

THINGS YOU SHOULD DO:

  • BE SURE TO PAY YOUR BILLS ON TIME (this includes bills that don’t usually report on your credit like cable and power etc. If not paid for a period of time a collection can be filed)
  • PAY YOUR SCHOOL LOANS (unless they are deferred) speak with lender regarding this
  • PAY YOUR RENT ON TIME (if renting)

THINGS YOU SHOULD NOT DO:

  • DO NOT OPEN ANY NEW CREDIT (secured or unsecured)
  • DO NOT BUY NEW FURNITURE
  • DO NOT BUY NEW APPLIANCES
  • DO NOT BUY A NEW CAR (or used car)
  • DO NOT CHANGE JOBS (includes quitting or getting fired)
  • DO NOT CLOSE YOUR CREDIT CARD ACCOUNTS (lenders need to see that you are responsible with open credit)
  • DO NOT MAX OUT YOUR CREDIT CARDS (for the same reason as above)
  • DO NOT GET CASH ADVANCES OR LOANS TO PAY FOR INSPECTIONS ETC… speak with lender regarding this
  • DO NOT MAKE UNDOCUMENTED DEPOSITS OR WITHDRAWALS INTO YOUR BANK ACCOUNTS (most mortgage loans require 30 to 60 days’ worth of bank statements)

Just because you have been preapproved OR even approved for a loan does not guaranty that you will not be turned down. Keep in mind that lenders will pull your credit again a day or two prior to closing to verify that your credit has not changed. If it has changed significantly, YOU CAN POSSIBLY BE DENIED.

What you should and should NOT do when getting a mortgage

What you should and should NOT do when getting a mortgage

Getting a mortgage should be your priority if you do not have cash to purchase a home. It is the most critical time in the home buying process.

You have searched through several homes, and have located “The Home”. Your offer gets accepted, and you’ve paid for the inspections, and appraisal. You don’t want to jeopardize things now, and be turned down for your loan. IT CAN HAPPEN! If the lender thinks you are a risk at any point of the process you can be denied, especially during the underwriting process.

If you have any questions, first call your lender (or mortgage broker). They will be happy to guide you through each step, and answer any questions you may have so that you do not make mistakes along the way. Once you have closed on your new home, then you are free to use your credit once again.

REAL ESTATE OCALA FL

Looking to purchase a home… I can sell any home in Marion County…

Call me today for more information regarding all your Real Estate needs.

Teresa Fikaris, (Realtor) Buyer’s Agent, Fontana Realty

Cell: 352-208-5874 Website: www.OcalaBuyersAgent.com

Going the extra mile with a smile!

Black Friday~ A Good Day to Buy a House

Are you considering buying a home?  Black Friday is a good day to buy a house.

So, call me today to get started!

Sold Homes (4)

We still have great home prices… and great interest rates…

What a great combination!

Ocala is a great place to call home.

Black Friday is a good day to buy a house... call me!

Black Friday is a good day to buy a house… call me!

Looking to purchase a home… I can sell any home in Marion County…

Call me today for more information regarding all your Real Estate needs.

Teresa Fikaris, (Realtor) Buyer’s Agent, Fontana Realty

Cell: 352-208-5874 Website: www.OcalaBuyersAgent.com

Going the extra mile with a smile!

A New Home Builder Comes to Ocala

In 2006 when I first started in Real Estate, I sold mostly all new homes. I made it a point to visit EVERY new home builder and community in and around the Ocala area. I previewed approximately 100 builders and communities in our area. When the bubble busted, just about all of them went out of business or left the area like so many other areas in the nation. So it’s with great pleasure to see New Home Builders building once again in Ocala. Click here to read more about Highland Homes.

Highland Homes

Highland Homes is coming soon to Ocala. They will have several models to chose from located in the Meadow Glenn subdivision. Offering stylish and affordable homes starting from the mid-$100,000’s. Here’s a sample of some of their other communities in Florida Click here.

Looking to purchase a home…

I can sell any home in Marion County…

Call me today for more information regarding

all your Real Estate needs.

Teresa Fikaris, (Realtor) Buyer’s Agent,

Fontana Realty

Cell: 352-208-5874

Website: www.OcalaBuyersAgent.com

Government Shutdown Updates

white-house (2)

Oct. 1, 2013 – What Does the Government Shutdown Mean for REALTORS?

Congress has failed to approve a Continuing Resolution (CR) providing funding for most government operations. Therefore, spending authority for most of the government expired at midnight on Sept. 30, 2013. Until legislation providing for funding is signed into law, many offices and programs of the federal government are now shut down. This means many, but not all, government programs, including some that impact federal housing and mortgage programs, have been suspended or slowed due to the lapse in government funding. The Office of Management and Budget (OMB) requires each agency to have contingency plans in place. The information below is based on NAR staff review of agency contingency plans for the current shutdown and past experience with previous shutdowns and near-shutdowns. Click here for more information regarding loans etc…

Homes

Rural Housing Programs

For the U.S. Department of Agriculture programs, essential personnel working during a shutdown do not include field office staff who typically issue conditional commitments, loan note guarantees, and modification approvals. Thus, lenders will not receive approvals during the shutdown. If the lender has already received a conditional commitment from the Rural Development office, then the lender may proceed to close those loans during the shutdown. A conditional commitment, which is good for 90 days, is given to a lender once a USDA Underwriter approves the loan. If a commitment was already issued, the funds were already set aside and the lender may close the loan at its leisure. If Rural Development has not issued a conditional commitment, the lender must wait until funding legislation is enacted before closing a loan.

For more news from the Washington Post regarding the Government Shutdown click here.

Looking to purchase a home…

I can sell any home in Marion County…

Call me today for more information regarding all your Real Estate needs.

Teresa Fikaris, (Realtor) Buyer’s Agent, Fontana Realty

Cell: 352-208-5874 Website: www.OcalaBuyersAgent.com

Going the extra mile with a smile!