CINDY HARTMAN

Cindy Hartman, Realtor® Broker/Owner
Hartman Florida Real Estate
18801 Misty Lake Drive
Jupiter, FL 33458
Phone: 561 320-9114 Mobile: 561 504-6316 Email CINDY

Top 7 Mistakes when Moving       

 

Florida Moving tips for buyers 

 

 

1. Spending beyond your budget. Be aware of the hidden costs when buying a home. Consider the financial obligations beyond a mortgage that add to the cost of homeownership, including: city taxes, utilities, insurance, and maintenance - not to mention the length of a commute, given the fluctuations in gas prices. And remember updating expenses such as granite counter tops, plantation shutters, or a pool or spa.

 

2. Not researching your new community. Use the Internet to research real estate listings and to learn about your new home, city, local amenities, school ratings, crime rates and children's activities. Talk to parents in the community who can provide firsthand insight on the topics that are most important to you. Make sure to understand your neighborhood by day and by night before moving in.

 

3. Lacking a household inventory. Use photos, video, or a notebook to document valuable items. This will help you file a claim if an item is lost or damaged. Store them in a moving file or on a thumb drive.

 

4. Not watching how boxes are organized. One of the most common mistakes when moving to a new home is placing large items, like lawn equipment, next to boxes containing valuables in the moving truck. Keep a watchful eye on those packing for you if using a moving company.

 

5. Moving all belongingsNot everything has to go with you. Pack suitcases and storage bins as if you're going on a short vacation. Include essentials for the first few days in your new home. And take the time to separate items into sections of keep, sell, donate or discard before you pack.

 

6. Dismantling your electronic equipment without labeling wiresTake photos of the connections, and place the wires in a single box. Knowing how to reinstall your kids' computer games can be a lifesaver.

 

7. Not keeping important documents with you. Hang on to important documents so you can easily re-establish your lifestyle. These are needed at every stage of a move, from making travel arrangements, registering children for school and establishing new physicians using your prior medical records.

 

Featured ...

 


 
1 photos
$12,500,000
City Highland Beach
Style Single Story
Type Residential
11 photos
$11,499,000
City Boca Raton
Size 9272 sq. ft.
Style Single Story
Type Residential
Bedrooms 3
Bathrooms 3
41 photos
$9,750,000
City Boca Raton
Size 13623 sq. ft.
Style 2 Story
Type Residential
Bedrooms 8
Bathrooms 9
2 photos
$8,750,000
City Boca Raton
Size 11053 sq. ft.
Style 2 Story
Type Residential
Bedrooms 6
Bathrooms 7
19 photos

208 SANDPIPER DR, Palm Beach

"Family compound- room to expand!"
$8,499,000
"Three continguous lots!"
City Palm Beach
Size 7929 sq. ft.
Style Single Story
Type Residential
Bedrooms 8
Bathrooms 8
14 photos
$6,250,000
City Delray Beach
Size 13747 sq. ft.
Style 2 Story
Type Residential
Bedrooms 6
Bathrooms 6
12 photos

6804 Portside Drive, Newport Bay Club

"Gated East boca with tennis & on a lake"
$5,559,999
"Better than new!"
City Boca Raton
Size 3394 sq. ft.
Style Single Story
Type Residential
Bedrooms 4
Bathrooms 3
32 photos

12055 Keewaydin Island, Keewaydin Island

"Beach to Bay Naples Florida "
$4,795,000
"Beach front Five Acres"
City Naples
Style Single Story
Type Residential
1 photos
$4,250,000
City Saint Augustine
Style Single Story
Type Lots and Land
28 photos
$3,975,000
City Boca Raton
Size 9367 sq. ft.
Style Single Story
Type Residential
Bedrooms 5
Bathrooms 6
36 photos
$3,750,000
City Tallahassee
Style Single Story
Type Residential
Bedrooms 5
Bathrooms 3
9 photos

11360 S Indian River Dr, Sebastian

"Bank Owned Waterfront Land"
$3,500,000
"Bank Owned Financing"
City Sebastian
Style Other
Type Residential
20 photos
$3,495,000
City Delray Beach
Size 10564 sq. ft.
Style Single Story
Type Residential
Bedrooms 4
Bathrooms 4
13 photos
$2,600,000.00 Monthly
City Miami
Type Commercial
Taxes $29895
35 photos
$2,590,000
City Sunny Isles Beach
Size 2558 sq. ft.
Type Residential
Bedrooms 3
Bathrooms 4
Taxes $30812
<< Prev  1  2  3  4  5  6  7  8  9  10  [11 - 20]  Next >>

Deciding how much house you can afford...

Your lender decides what you can borrow but you decide what you can afford.

Lenders are careful, but they make qualification decisions based on averages and formulas. They won’t understand the nuances of your lifestyle and spending patterns quite as well as you do. So, leave a little room for the unexpected – for all the new opportunities your home will give you to spend money, from furnishings, to landscaping, to repairs.

Historically, banks use a ratio called 28/36 to decide how much borrowers could borrow. An approved housing payment couldn’t be more than 28 percent of the buyer’s gross monthly income, and his or her total debt load, including car payments, student loans, and credit card payments, couldn’t be more than 36 percent. 

In the recent past as home prices rose, some lenders responded by stretching these ratios to as high as 50 percent. No matter how expensive your market though, we urge you to think carefully before stretching your budget quite so much.

Deciding how much you can afford should involve some careful attention to how your financial profile will change in the upcoming years. In the long run, your own peace of mind and security will matter most.

 Location, location, location

Where you buy not only affects the home's current and future value, but it also affects your lifestyle. I will be able to conduct a more targeted home search if you outline your preferences in neighborhoods and nearby amenities. Here's a checklist of items you should consider.

* Urban, suburban or rural
* Commute time
* School districts
* Desirable neighborhoods
* Proximity to the airport
* Proximity to restaurants and retail
* Access to major highways and thoroughfares
* Access to public transportation
* Health care facilities
* Parks and recreation
* Length of time you plan to live in the home (Your agent should be knowledgeable about growth trends and projections that could affect your investment.)

 

Jupiter Florida Homes for Sale
Cindy Hartman, Broker, REALTOR®, e-PRO®
AHS™                   

Home-Staging Specialist™, Senior Housing Specialist ™
Certified Property Management Specialist

Hartman Florida Real Estate LLC - Jupiter, Florida

Cindy@HartmanFlorida.co  m     Cindy_Hartman@comcast.net

 Direct: (561) 504-6316
Florida Real Estate and Florida homes for sale

          

                         Office:  (561) 320-9114
 

             Florida Homes Internet Marketing Services      Florida Fair Housing  FLORIDA REALTOR , Jupiter Florida Real Estate        Home Inspection Services

    

All information contained herein is deemed to be reliable, but is not guaranteed.

Hartman Florida Real Estate, LLC
18801 Misty Lake Drive, Jupiter Florida, 33458
  Direct:  561 504-6316   Office: 561 320-9114

Cindy@HartmanFlorida.com

Florida Licensed Real Estate Broker # BK3230828

    

"... You never know what's just around the corner!..."