If you’re buying a home for sale in Lake City, you probably already know you need a real estate agent to help you with your transaction – and hopefully, you also know that it doesn’t cost buyers anything to work with a Realtor®. Here’s why it’s so important to work with a real estate agent. […]
Shopping for Mortgages 101
When you’re buying land for sale in North Florida, you need to know that you can shop around for mortgages. But where do you start? Shopping for Mortgages 101 There are hundreds of mortgage programs through lenders on any given day, which means you definitely should shop around for the one that’s the best fit […]
What is DTI?
As you start shopping for homes or land for sale in North Florida, you’ll have to make sure your debt-to-income ratio, or DTI, is sufficient to get a loan – but what is DTI, and how do you know where yours stacks up? What is DTI? Your debt-to-income ratio is a measure lender use to […]
What Are HOA Dues?
If you’re buying a home or land for sale in North Florida, you may need to learn about homeowners association dues – because many neighborhoods in the area require them. What Are Homeowners Association Dues? Homeowners associations, or HOAs, are associations of people in certain neighborhoods who unite with the sole purpose of preserving property […]
What is Preapproval?
When you’re buying land for sale in North Florida, you’ll want mortgage preapproval – and here’s why. What is Preapproval? Mortgage preapproval is a process you go through to find out whether a lender is willing to lend you money to buy property or a home based on your current financial situation. If you’re preapproved, […]
What is Zoning?
If you’re buying land for sale in Columbia County, you need to know about zoning – what it is, how it works and how it’ll affect you. What is Zoning? Zoning is a restriction on the way or ways that land can be used. Zoning laws help local governments preserve property values, and they help […]
Who is Responsible for Home Repairs?
When you buy a home or farm for sale in Columbia County, who’s responsible for home repairs? Here’s what you need to know. Who is Responsible for Home Repairs? Your real estate purchase contract will determine who is responsible for repairs. Your contract will include all the counter-offers and addendums you set up when you […]
What Are Property Taxes?
When you’re buying land for sale in Columbia County, you’re most likely going to have to pay property taxes. But what are property taxes, and how will they affect your home ownership? What Are Property Taxes? Property taxes are taxes you have to pay based on the value of your land. The taxes on land […]
What is a Clouded Title?
When you’re buying land for sale in Columbia County, you’ll need to make sure the title is clear – and that’s what a title agency does for you. But what is a cloud on the title, and how does it affect your property ownership? What is a Clouded Title? A cloud on a title means […]
How Long Should You Wait to Make an Offer?
If you’re looking at homes for sale in Lake City, your real estate agent has probably given you a pretty good idea about what type of market you’re in – whether it’s a seller’s market or a buyer’s market. But when you find a home you love, should you sleep on it before you make […]
