Saving for the Down Payment Saving funds for a down payment should be part of an overall program to get your finances in order prior to shopping for a home. This includes rounding up financial records, examining your spending habits, and setting a budget you can live with. Remember, too, that the down payment is not the only up-front expense. An allowance for closing costs should also be included in your savings budget. How much is required? The down payment is usually expressed as a percentage of the overall purchase price of the home, and varies depending on the lender, the type of financing and amount of money being lent. In the past, the typical down payment was 20%, but in recent years lenders have been willing to offer conventional financing with as little as 3% down. U.S. Governm... 10/12/2009

Closing Costs The bundle of fees associated with the buying or selling of a home are called closing costs. Certain fees are automatically assigned to either the buyer or the seller; other costs are either negotiable or dictated by local custom. Buyer closing costs When a buyer applies for a loan, lenders are required to provide them with a good-faith estimate of their closing costs. The fees vary according to several factors, including the type of loan they applied for and the terms of the purchase agreement. Likewise, some of the closing costs, especially those associated with the loan application, are actually paid in advance. Some typical buyer closing costs include: The down payment Loan fees (points, application fee, credit report) Prepaid interest Inspection fees Appraisal Mortgag... 10/12/2009

Can You Afford To Buy That Home In Port Charlotte Florida? Understanding how much you can afford is one of the most important rules of home buying. Depending on your individual situation, your budget can affect everything from the neighborhoods where you look, to the size of the house, and even what type of financing you choose. Bear in mind, however, that lenders will look at more than just your income to determine the size of the loan. Likewise, you may find that there are some creative financing options that can help boost your purchasing power. Loan prequalification vs. preapproval One of the best ways to determine your budget is to have your real estate agent or lender prequalify you for a loan. Prequalification is different from preapproval, because it is only an estimate of what ... 10/12/2009

Mighty Kklene Cleaning Services We offer honest, dependable and high-quality services, including housecleaning, office cleaning, moving in and out, holiday cleaning, and bathroom and kitchen cleaning. We are flexible and will satisfy any need you may have. Plus, we provide our own cleaning supplies and equipment. • Licensed, Bonded, Insured • available weekly, every other week, monthly or one-time.http://www.freecleaningbid.com Commercial Services A professionally cleaned and properly maintained work place makes the right impression on both customers and employees. Commercial Cleaning Formats Include: Weekly, Bi-Weekly, On-Time Only, Special Project and Customized Residential Services: If you desire to walk into an immaculate house, Mighty kklene Cleaning Service, is ready to help. Our... 10/02/2009

Port Charlotte, Sarasota, and DeSoto Counties , including Englewood, Punta Gorda, Port Charlotte, North Port, Rotonda (Rotunda), Cape Haze, Sarasota, Venice, Fort Myers, Naples, Lehigh Acres, Cape Coral and Boca GrandePort Charlotte, Sarasota, and DeSoto Counties , including Englewood, Punta Gorda, Port Charlotte, North Port, Rotonda (Rotunda), Cape Haze, Sarasota, Venice, Fort Myers, Naples, Lehigh Acres, Cape Coral and Boca Grande 10/02/2009

Port Charlotte named best place to retire by CNNMoney.com.  Not one of the best but #1 Best Place to Retire This accolade for Port Charlotte is an excellent boost. To add to this  our schools are getting good grades too. This little Gem is on the West Coast of Florida, 3 hours from Orlando to the North and about the same distance from Miami to the South.  Port Charlotte was created and developed in the late 1950.  It is still growing and developing and has all the earmarks of a great community.  Port Charlotte and Punta Gorda -  which had been receiving all the accolades in the past - make up Charlotte County and its legendary unspoiled beauty.  Its uncongested living makes it a destination of choice for the leisurely and unhurried. The Murdock Area of North Port Charlotte is growing dy... 09/25/2009

Are You Looking For Land In port charlotte florida / punta gorda / sarasota / venice / englewood / fort myers / cape coral.Investing in land, particularly in high growth areas, can be a wise choice. But while there are great opportunities in land investments, be aware of some common pitfalls you may face and remember, if you cannot use a land investment as intended, it's no bargain. Don't rely on photographs and vague property descriptions. Walk every square foot of the land with an eye to potential problems: Topography - Heavily wooded land will require expensive tree removal. Steep grades may restrict building options and impact building costs. Hidden boulders may block your path. Lack of infrastructure - Are there hookups for utilities including water, sewer, electricity, gas, teleph... 09/18/2009

Buy a Home Don’t throw away another rent check until you read this… Are you sick of making your landlord rich? Stop throwing your rent money and start building equity today. Rent to Own or Lease Option your Dream Home today without going to a bank. • Low Down Payment• No Banks Needed• Down Payment Assistance• Monthly Credit – Build equity fast• No Closing Costs• Self Employed Ok• Bad Credit Ok• No Credit Ok The process is simple – Find your dream home http://www.123Rent4now.com Learn about new properties before the general public!!Port Charlotte Fl, Sarasota, Venice, Fort Myers, North Port home. 09/17/2009

View listings in Port Charlotte, FL Port Charlotte Real Estate News and Questions Here Are 7 Great Rental Tips For Port Charlotte And Punta Gorda Florida. By: malendaz coleman (Brothers 3 International Investment Service) 7 Home Rental Tips For port Charlotte Punta Gorda FloridaHere are seven tips that will help you get off to the right start with a home rental. Experienced landlords and beginners can benefit from these home rental practices.1. Offer something special - Renting a home can be a challenge. (0 comments) Southwest Florida Real Estate By: malendaz coleman (Brothers 3 International Investment Service) Homes, Condos, Foreclosures in Punta Gorda, Port Charlotte, Sarasota & Beyond No matter what type of real estate you are interested in, you can find it in the SW Florida real e... 09/15/2009

7 Home Rental Tips For port Charlotte Punta Gorda Florida Here are seven tips that will help you get off to the right start with a home rental. Experienced landlords and beginners can benefit from these home rental practices. 1. Offer something special – Renting a home can be a challenge. As a landlord, you need to set your home rental apart from the other properties that may be available in your area. Consider some of the features that renters in your area may want such as a washer or dryer, cable, air conditioning and more. Adding special features that tenants want will help rent your home faster. 2. Research the rental market – Spend some time researching what other rentals in the area rent for. What is their location compared to your rental? What other features does that rental have... 09/14/2009

Homes, Condos, Foreclosures in Punta Gorda, Port Charlotte, Sarasota & Beyond No matter what type of real estate you are interested in, you can find it in the SW Florida real estate market. This includes the areas of Punta Gorda, Sarasota, Port Charlotte & Beyond. Whether you are looking for a home, condo, luxury property, foreclosure, land or any other type of real estate, the Southwest Florida area has it! Looking to buy or sell real estate in Punta Gorda, Sarasota or anywhere in the surrounding areas? I am here to help you. I will make sure to find you the perfect piece of real estate and the perfect price for your property.Jessica Coleman / RealtorPort Charlotte FL, 33948Ph: (941) 421-4052Fax: (941) 875-9148Email: 123CashNow@gmail.comWeb: www.FlaOpenHouse.com YOUR COMPLETE SATISFACT... 09/03/2009

Do You Need Ideas For Your Blogs.I know it's hard however, many bloggers get overwhelmed when they have to think of creative ideas for their blogs to interest readers. It can seem like a daunting task but it can be done. It is important to create interesting ideas for your blogs that will really grab your readers attention and keep them coming back to your blog. If you think about the last blog or article you read it was because the topic jumped out at you. It really got your interest and you wanted to know more. That is the key to blogging and inventive writing. Making your reader want to come back for more. Every great writer has this ability and even though you may think you are not a good writer you too have the ability to think up creative ideas for your blogs. It is not as hard as... 08/28/2009

A Short Sale Might Be The Best Way to Get Out of Your Home. If it looks like you might lose your home in the near future, you should contact your lender to see if they will arrange a short sale for you. The short sale is a way to avoid foreclosure if you owe more than your home is worth. The lender agrees to sell it for market value or less, and it's a really good way to prevent foreclosure. A foreclosure is a major problem for your credit, and it will make it hard for you to finance a home or a car in the future, not to mention getting an unsecured credit card. If your bank agrees to the short sale, you have a good chance of selling your home. Many people are looking at real estate right now as a good investment. They feel that the market is nearly at the bottom, so before prices star... 08/27/2009

NEED SHORT SALE HELP PORT CHARLOTTE / PUNTA GORDASARASOTA / VENICE / ENGLEWOOD / FORT MYERS / CAPE CORAL 08/27/2009

Don't miss out on this oppotunity to Buy Disstressed Homes. Now is the time to buy, foreclosures, HUD homes, estate and short sales in Charlotte and Sarasota County Fl- not to mention incredible waterfront buys! Where the greatest fishing in Florida, meets white sand beaches and championship golf courses. Providing a superior level of informed, professional real estate services to buyers and sellers of diverse backgrounds and needs in Southwest Florida. Need Owner Financing? 08/27/2009

DO YOU NEED SHORT SALE HELP IN PORT CHARLOTTE?  We Specialize in Helping Homeowners Avoid Foreclosure and Find Solutions to Their Real Estate Problems in the Port Charlotte real estate marke Feeling like there is no other option but foreclosure can be an overwhelming experience. Know that you are not alone. Thousands of homeowners in the United States are facing the same challenges as you every single day. Now more than ever before there are solutions. You need help, guidance, and someone who understands the difficult choices you are facing about your home, your family, and your life. Quite often a homeowner facing a foreclosure thinks they have to go through the process alone, forced into a daunting situation caused by unforeseen circumstances beyond their control. Facing damage to yo... 08/27/2009

Please forward to all....Public Service Announcement for Teens and all who Text while driving! Check out this video on YouTube:http://www.youtube.com/watch?v=DGE8LzRaySk 08/26/2009

Building Your Dream Home in :Boca GrandeBonita SpringsCape CoralCaptivaEsteroEverglades CityFort MyersFort Myers BeachGolden GateImmokaleeLehigh AcresMarco IslandNaplesPine IslandPort CharlottePunta GordaSanibelSarasotaA brand new home that is already built based on a contractor's design can never be a dream home for anyone. A dream home is a home that is designed by the person who owns it and it must fulfill the needs and desires of the person who dreams about it. A dream home is one that is custom built and gives the owner the satisfaction of knowing that the home has been tailor-made to meet his or her needs, desires and lifestyle. The owner must get to create the dream home.  Building a custom built home is challenging. However, the first thing is to identify a reputable custom home... 08/23/2009

Port Charlotte# of listings in Port Charlotte= 1087 active listings# of listings sold from June-16-July 16: 109# of listings sold from May 16-June 16: 163# of listings sold from Apr 16-May 16: 204# of listings sold from Mar 16-Apr 16: 168# of listings sold from Feb 16-Mar 16: 142# of listings sold from Jan 16-Feb 16: 120906 homes sold in the last six months in PC. Average number of homes sold per month over the last 6 months in PC: 151 homes#sold (151 homes) X 12 (months) = 1812divide 1812 by 52 weeks= 35 units per weekIf 35 units sell each week divide that number into the number of active listings 35 divided by 1087 = 31 weeks is the absorption rate or about 8 months worth of inventory in Port Charlotte. 08/22/2009

Wow! This perfect "No Bridges" Gulf of Mexico lot on the prime street of Pirate Harbor Boulevard, named in honor of the"Pirates" is filled with stunning key west style homes and huge yachts. This georgous lot is available for your purchase to build your dream home!   Where else would you look other than the wonderful city of Punta Gorda, Florida, 33955 in Charlotte County having the "world's best tarpon fishing"? This cleared lot has: 100 feet of sparkling gulf water views,  boat dock  concrete seawall   10,000 pound boat lift. Come live in this  amazing boating community having 8 navigatable canals and enjoy friendly neighbors in Southwest, Florida. Please call Lyn Bevis, RE/MAX HARBOR REALTY- 941-380-6677  08/14/2009