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How Downsizing Creates Fresh Starts with Financial Freedom and Simplicity

Mon, 13 Apr 2026 16:53:30 GMT

For Orlando and Clermont homebuyers and sellers who are carrying more house than life needs, the stress usually isn’t the mortgage alone, it’s the large home maintenance costs, constant upkeep, and the surprise repairs that show up at the worst time. Add real estate market fluctuations and shifting home values, and even confident homeowners can feel stuck between “sell now” and “wait it out.” These homeownership challenges can drain time, cash, and peace of mind, especially when daily routines revolve around managing the property. Downsizing benefits can turn that pressure into options and breathing room.

Understanding Downsizing and Why It Helps

Downsizing simply means moving to a smaller home that fits how you live today, not how you lived years ago. It is less about sacrifice and more about choosing a space that feels easier to run. Many people also treat it as rightsizing , because the goal is a manageable home and a lifestyle you enjoy.

Why it matters is that a smaller place can lower the true cost of ownership, not just the monthly payment. With fewer rooms and less yard, you often spend less on utilities, upkeep, and surprise fixes. That creates financial flexibility for savings, travel, helping family, or simply breathing easier.

Picture a household that rarely uses the formal dining room, yet still cleans it, cools it, and repairs what breaks. In a smaller home, those hidden chores shrink, and weekends open up again. The money that used to disappear into maintenance can support choices you actually care about.

Use This 7-Step Downsizing Game Plan to Make Space for What’s Next

Downsizing goes best when you treat it like a simple project, not a giant emotional tornado. Use this 7-step plan to lower your day-to-day costs, simplify your routines, and free up cash and time for whatever “fresh start” means to you.

Pick your “why” and a clear deadline: Write down 2–3 reasons you’re downsizing (lower monthly bills, less maintenance, closer to family, more travel). Then choose a target move month and work backward in weekly chunks. A simple deadline keeps decisions from dragging on, and it makes it easier to say “no” to extra stuff you don’t truly want to carry forward.
Declutter in fast, repeatable rounds: Start with the easiest wins: trash, donations, and duplicates (extra mugs, cords, towels). Work one small zone at a time (one bathroom cabinet, one closet shelf) for 20–30 minutes, 4–5 days a week. If you feel stuck, remember that research keeps linking cluttered spaces with stress and poor sleep, clearing surfaces isn’t just about space, it’s about feeling in control again.
Use the “fits the next home” filter: Before you decide what to keep, estimate your future storage: number of closets, pantry size, garage space, and whether you’ll have a spare room. If an item won’t fit comfortably (like a second bookcase or a bulky patio set), decide now: sell it, gift it, or replace it later with a smaller version. This prevents paying to move items you’ll end up re-donating.
Build a downsizing budget with three buckets: Create a one-page list with (1) one-time costs (repairs, paint, movers, packing supplies), (2) moving-day costs (truck, food, tips, pet/child care), and (3) new-home setup (deposits, curtains, small furniture). Add a 10–15% buffer for surprises. Also plan for the “after” savings, utilities, maintenance, and the fact that home size often affects insurance because the size of your home significantly influences the cost of insurance .
Choose a smaller home based on your daily life, not just square feet: Make a “must-have” list from your routines: a ground-floor primary, a quiet office corner, a real pantry, or a shaded outdoor spot. Visit homes at the time of day you’ll actually live there (morning light, after-work traffic). A smaller home that supports your habits feels bigger than a larger home that fights them.
Plan moving logistics like a checklist, not a scramble: Book movers 4–6 weeks out if you can, then label boxes by room and priority ("Open First," “Week One,” “Storage”). Pack an “essentials bin” with meds, chargers, basic tools, toilet paper, paper towels, and two days of clothes. This reduces that first-night chaos when everything is unfamiliar.
Set up your new space with simple rules: Give yourself 30 days before buying “missing” items. Start by placing the everyday zones first: sleep, coffee, shower, laundry, and a landing spot for keys and mail. Living in the space for a few weeks shows you what you truly need, and helps you avoid refilling the home with impulse purchases.

Downsizing Q&A for Calm, Confident Fresh Starts

Q: How can downsizing help me achieve greater financial flexibility and reduce monthly expenses?

A: A smaller home can lower your mortgage, utilities, maintenance, and even moving-related “stuff” spending. One estimate suggests downsizing from a house priced at $250,000 to $150,000 could boost yearly income and cut annual expenses. Start by listing your current monthly housing costs, then compare them to realistic payments, insurance, and utilities in the smaller home.

Q: What are some effective strategies to simplify my living space and minimize clutter when downsizing?

A: Work in short sessions and sort into keep, donate, sell, and recycle, focusing on one small area at a time. Create a “new home limit” like one shelf, one drawer, or one closet section per category, then keep only what fits. Use clear bins for essentials and consider a small, temporary storage unit only if you set a firm end date.

Q: In what ways can downsizing open doors to new lifestyle choices or hobbies?
A: Lower bills can free cash for travel, fitness, classes, or a passion project you have put off. Less upkeep also gives you time back, which often reduces that constant “behind on chores” feeling. Define your fresh start by choosing one priority hobby and designing your new space to support it.

Q: How do I handle the emotional stress and uncertainty that often come with making a fresh start through downsizing?
A: It helps to name the feeling and separate memories from objects, keeping a few meaningful items while letting the rest g o. Downsizing is a type of moving that can bring extra stress because you are sorting through years of belongings, so build in breaks and ask a friend to be a calm second opinion. Take photos of sentimental pieces before donating to preserve the story without keeping the bulk.

Q: If I’m feeling stuck and looking for a completely new direction in life after downsizing, what options do I have to gain new skills or qualifications to support that change?
A: Start by choosing what “new direction” means: higher income, remote work, a flexible schedule, or a purpose-driven role. Explore part-time online certificates, community college programs, and short training courses that fit around your move and new budget, and this may help to browse options if you’re considering healthcare. Then pick housing that supports the plan, like reliable internet, a quiet work corner, and an easy commute if you will need it.

Downsizing Options Compared at a Glance

This table compares common downsizing paths against the tradeoffs of staying in a larger home, so buyers and sellers can talk through choices without guesswork. In many markets, where 2,374 square feet is a typical new single-family home size, “right-sizing” can clarify what you are really paying for: storage, comfort, flexibility, or peace of mind.

If cash flow and time are the pain points, the strongest options reduce ongoing obligations, not just square footage. If emotions and continuity matter most, trialing a smaller footprint inside your current home can de-risk the decision. Knowing which option fits best makes your next move clear.

Start Downsizing Today for Simpler Homeownership and Financial Peace

It’s easy to feel stuck between wanting more breathing room in the budget and not wanting to give up the comfort of a bigger home. The most confident moves come from treating downsizing as an empowering lifestyle change, choosing simplified homeownership benefits that fit real life in Orlando or Clermont, not chasing a perfect floor plan. That mindset opens fresh start opportunities, and many downsizing success stories begin with less upkeep, clearer spaces, and a steadier path toward long-term financial peace. Downsizing trades extra space for extra freedom. Take one small step today: write your top five non-negotiables or tour one smaller home to see what feels right. That choice builds resilience and stability for the years ahead.

How Orlando and Clermont Homeowners Can Profit by Renting Instead of Selling

Thu, 19 Feb 2026 17:04:59 GMT

Orlando and Clermont homeowners considering long-term rentals often hit the same crossroads: cash out now or hold on and earn monthly income. The tension is real, because converting a lived-in home into a rental can bring repair decisions, tenant worries, and time demands that don’t show up in a simple sale. At the same time, the Orlando and Clermont real estate market can reward owners who keep a well-located property and treat it like a business. With the right expectations, long-term rental income can turn an uncertain home value into steadier, repeatable profit.

Quick Summary: Renting for Profit

● Focus on features renters pay more for, like clean layouts, good storage, and functional updates.

● Use a clear tenant screening process to reduce risk and protect your income.

● Make must-do repairs first, then boost curb appeal with simple landscaping and exterior touch-ups.

● Choose between self-management and a property manager based on time, skills, and stress tolerance.

● Learn the legal basics for long-term rentals, including leases, deposits, and required disclosures.

Make Your Home Rent-Ready: A Practical Fix-Up Checklist

The goal is simple: make your home feel safe, clean, and easy to maintain so you can attract solid tenants, reduce emergency calls, and protect your cash flow.

Start with the “no-surprises” safety sweep: Walk the home like a tenant would, then fix anything that could become a complaint or a liability. Test every smoke/CO detector, replace burnt-out bulbs, tighten loose handrails, and address trip hazards like lifted pavers or uneven thresholds. Confirm locks work smoothly on every exterior door and that windows open, close, and latch properly.
Handle rental-ready repairs that prevent expensive damage: Take care of small issues that turn into big leaks, mold, or appliance replacements. Patch drywall, stop door rubs, fix dripping faucets, recaulk tubs and sinks, and replace worn toilet flappers. If you can, schedule a basic HVAC tune-up and change filters, tenants feel the comfort difference, and you reduce mid-lease breakdowns.
Add a few “high-ROI” features tenants actually choose: You don’t need luxury finishes; you need practical upgrades that make daily life easier. Bright, neutral paint and durable flooring in high-traffic areas help showings and reduce turnover touch-ups. If budget allows, add simple storage (closet shelving, pantry wire racks) and strong lighting at entries, small conveniences that photograph well and can justify a slightly stronger rent.
Boost curb appeal with a weekend landscaping reset: First impressions set the tone for how people treat a place. Trim shrubs away from windows, edge the walkway/driveway, pull weeds, refresh mulch, and make sure the house number is clearly visible from the street. A clean, welcoming exterior also attracts tenants who appreciate order, and those are often the ones who report maintenance issues early instead of hiding them.
Refresh the facade for “move-in ready” photos: You don’t need a full exterior remodel to look updated. Pressure wash siding and sidewalks, touch up peeling trim paint, clean the front door and consider a modern handle set if yours is worn. Replace missing screens and broken blinds, these are low-cost fixes that quietly signal “this home is cared for.”
Create a simple maintenance checklist and set expectations in writing: Build a one-page schedule for “every month/quarter/season” (filters, pest checks, gutter look-over, water heater flush, smoke detector test) and calendar reminders so it actually happens. Many landlords find that tenants are more likely to renew when a home stays in good shape, which protects your income by reducing vacancy and turn costs. In your lease, spell out maintenance responsibilities so everyone knows who changes filters, who handles yard care, and how fast repairs will be addressed.

If you knock out these fixes in order, safety, damage prevention, tenant-friendly features, then curb appeal, you’ll be in a strong position to decide how hands-on you want to be once the calls, repairs, and renewals start.

Self-Manage vs Property Manager: Quick Comparison

With the home rent-ready, the next choice is how you will run it day to day. This table compares hands-on landlording versus hiring help, so Orlando and Clermont homeowners can balance time, risk, and income without guessing.

A simple rule: the more time you want back, the more you pay for execution, often with 4-12% of monthly rent as the tradeoff. Choose the setup that protects your schedule first, then optimize income with tighter vacancy control and smoother renewals. Knowing which option fits best makes your next move clear.

Common Rental Conversion Questions, Answered

Q: What are the key features to look for when choosing a home to convert into a long-term rental?
A: Look for a layout that appeals to many renters: practical bedrooms, storage, and easy parking. Prioritize low-maintenance exteriors, durable flooring, and systems with service records, since surprises kill profit. Also confirm HOA rules, lease restrictions, and insurance requirements before you commit.

Q: How can I find and vet trustworthy tenants to avoid rental issues?
A: Use a consistent written screening process: application, ID verification, income and employment checks, references, and a background report. The majority of landlords use screening technology so it is normal to screen, but keep it fair, legal, and the same for every applicant. If you are unsure, ask a local attorney or experienced agent for a compliant checklist.

Q: What repairs and upgrades should I prioritize before renting out my property?
A: Start with safety and habitability: roof leaks, electrical issues, plumbing, locks, and smoke or CO alarms where required. Then tackle comfort items that reduce emergency calls, like preventative HVAC system maintenance and servicing aging water heaters. Choose hard-wearing paint and fixtures to limit turnover costs.

Q: Should I manage my rental property myself or hire a property management service?
A: Self-managing can boost cash flow if you can answer requests quickly and document everything. A manager can lower stress by coordinating repairs, compliance, and late payments, which matters if your schedule is tight. Decide based on your time, your comfort with conflict, and how fast you can show up for repairs.

Q: How can a local real estate agent assist me in transitioning my home into a long-term rental?
A: An agent can run rental comps, suggest rent-ready updates that pay back, and help you set a lease timeline that limits vacancy. They can also connect you with vetted vendors and explain common local lease terms and disclosures. Ask for two next steps: a call list of trades you will use first, and a simple template to print contact cards for smoother coordination, including business card print online options.

Turning Orlando and Clermont Homes Into Steady Rental Income

It’s normal to feel torn between taking the sale proceeds now and worrying a long-term rental will be too much to manage. The steadier path is a simple landlord mindset: treat the home like a small business, run the numbers, and lean on repeatable systems instead of guesswork. When that approach is in place, the advantages of long-term rentals show up in calmer cash flow, fewer surprises, and rental property income stability that makes holding the home feel doable. Renting isn’t about doing everything yourself, it’s about setting up a plan that works every month. Pick one next step today: confirm the rental’s income potential, schedule the most important repairs, or decide whether self-managing or using a property manager fits best. That’s how a first-time landlord turns a homeowner rental journey into long-term resilience and choice.

How a Midlife Move in Orlando Can Transform Your Life and Career

Mon, 02 Feb 2026 16:57:18 GMT

Midlife movers in Orlando and Clermont, especially Orlando home buyers weighing a new place or sellers deciding whether to cash out, often feel pulled between lifestyle redefinition and the reality of housing decisions that affect daily routines, budgets, and family dynamics. The core tension is simple: the desire for a fresh chapter can be strong, while uncertainty about home value, neighborhood fit, and timing makes every choice feel heavier. When a move overlaps with a career transition, the pressure rises because work, identity, and location start to feel tied together. Handled with clarity, one midlife move can open the door to personal growth.

Understanding a Midlife Move as a Reset Plan

A midlife move is not about running away. It is a structured reset that helps you name what you want next, then line up your home and work choices to match. When you treat “starting over” like a plan, it becomes motivating instead of scary.

This matters because housing decisions shape your daily energy, commute, and expenses. Clear personal goals also make career reinvention feel realistic in a changing job market where 39% of workers’ skills may be transformed or become outdated between 2025 and 2030.

Picture a seller who cashes out of a high-maintenance home and chooses a simpler place to live. With lower overhead and a routine that fits, they can commit to a certification, a new role, or a small business.

With your reset plan clear, neighborhood choices can support affordability, amenities, schools, and long-term value.

Choose a Home and Neighborhood That Fit Your Next Chapter

If your move is part of a midlife “reset plan,” your home choice needs to support the life you’re building and the work you’re stepping into. Use these practical checks to narrow neighborhoods and homes that fit your budget, energy, and long-term goals.

Set your comfort budget before you fall in love with a listing: Start by running a quick estimate of what you’re willing to pay each month (mortgage, taxes, insurance, HOA, and utilities), then back into a realistic price range. A simple home affordability calculator can give you a starting point in minutes, and you can tighten the numbers once you talk to a lender. This protects your reset plan; career pivots often come with income changes, so leave breathing room for training, networking, or a temporary pay dip.
Pick your “non-negotiables” for daily life (and cap them at three): Write down the three lifestyle needs that will actually change your week, examples: a 15-minute commute to a new employer, a walkable coffee shop for remote-work mornings, or quick access to trails for stress management. Then add two “nice-to-haves” you can compromise on, like a pool or a bigger yard. This keeps neighborhood selection focused and stops you from overpaying for features you won’t use.
Do a two-times test of community amenities: Visit your top areas twice, once on a weekday evening and once on a weekend morning. Check parking, noise, lighting, and how comfortable you feel walking from your car to the front door. Bring a short list of prompts and literally ask questions like what the community vibe is, where you’d work out, and what errands feel like, because those small frictions add up fast.
Treat school districts as a resale factor, even if you don’t have kids at home: Local school districts can influence demand, which can matter when you sell later or if you may rent the home out. Ask your agent to show you recent sales activity for the same school zones so you can compare how quickly homes move. If you’re downsizing, this can be one of the easiest ways to protect future flexibility without buying more house than you need.
Use property value trends to choose stability vs. upside: In the Orlando real estate market, some neighborhoods behave like “steady and predictable” while others are more “growth and change.” Ask for a simple snapshot: median sale prices over the last 12–24 months, days on market, and how often homes sell with price reductions. If you’re mid-career switching, stability can lower stress; if you’re rebuilding wealth after a divorce or relocation, upside might matter more, just budget for the bumps.
Run a “career-change commute” scenario, not just a current commute: If you might shift industries, test routes to two or three likely job hubs, not only your current office. Map drive times at 8 a.m. and 5 p.m., and note where tolls would become a monthly cost. The right neighborhood supports the version of you you’re planning, not only the one you’ve been.

When your home affordability, amenities, school zones, and value trends line up with your reset goals, decisions get calmer and clearer. These checkpoints also make it easier to weigh buy-versus-sell timing, financing options, and other first-timer questions with confidence.

Midlife Move Q&A: Calmer Choices, Clearer Steps

When decisions feel big, simple answers help.

Q: How can relocating in midlife help me reduce stress and gain a fresh perspective on my personal goals?
A: A move can create a clean break from routines that keep you on autopilot, giving you room to reset priorities. Reframe it as a values check: what do you want more of each week, and what are you done tolerating? It may help to remember a new study reports mental ill-being tends to decline with age, so this can be a growth season, not a crisis.

Q: What are the most important real estate factors to consider when choosing a new neighborhood that supports a lifestyle change?
A: Focus on daily-life ease: commute options, noise level, errands, and places you will actually go when you need to decompress. Ask for recent sale-to-list ratios and average days on market so you can predict how fast you will need to act. Prioritize safety, maintenance expectations, and resale flexibility to keep uncertainty low.

Q: How do I avoid feeling overwhelmed during the home-buying process in a competitive market like Orlando?
A: Break the process into three decisions: financing comfort range, must-haves, and a short list of areas. Keep a one-page checklist for each showing costs, trade-offs, and your stress level after touring. Use market context such as median home sale prices staying elevated while growth slows to stay realistic, not reactive.

Q: What steps can I take to ensure my new home aligns with my desire to simplify and redefine my everyday routine?
A: Choose fewer rooms to manage and more functions, like a dedicated work nook and easy storage. Before offering, map a typical week in the home: where you will exercise, cook, work, and unplug. If the layout forces extra steps and clutter, it will not feel like a reset.

Q: If I’m feeling stuck or uncertain about my next steps, how can I identify and overcome hidden barriers that might be holding me back?
A: Start by naming the fear in plain language, like cash flow, timing, or confidence about a career shift, then verify it with data. Interview two people in your target role, price out training, and run a conservative budget scenario so you are choosing facts over assumptions, and take a look at options that can help you map out next steps. If stress spikes, set a two-week micro-goal such as meeting a lender, touring one area, or updating your resume to restore momentum.

Midlife Move Timeline Checklist to Stay Organized

To keep it simple:

This quick checklist keeps Orlando buyers and sellers focused on what matters most: clear timing, clean choices, and fewer last-minute surprises. Use it to connect listings, selling prep, and career planning into one calm, doable plan.

✔Confirm your move window and two non-negotiable lifestyle priorities

✔ Review monthly numbers: mortgage, HOA, insurance, utilities, and commuting costs

✔ Compare neighborhoods by daily convenience, noise level, and maintenance workload

✔ Tour listings with a one-page scorecard: layout, light, storage, work space

✔ Prepare your current home with a pre-list repair and declutter punch list

✔ Track local market pace weekly: new listings, price changes, and days active

✔ Set a career transition plan: networking targets, interview dates, and start timeline

Check these off, and your next step will feel lighter.

Choose a Confident Midlife Move in Orlando and Clermont

A midlife move can feel like a lot at once: home decisions, career questions, and the fear of starting over when life already feels full. The steadier path is embracing change with a clear mindset, trusting the plan, and leaning on personal resilience instead of trying to control every detail. When that approach leads, a midlife opportunity becomes a confident transition with fresh start benefits that show up in daily energy, work focus, and a sense of belonging. A fresh start isn’t about being fearless; it’s about being ready. Choose one next step today by scheduling a single conversation to clarify the timeline and what matters most. That small commitment creates motivational support and the steady foundation that makes resilience feel real.

The Orlando Law Scoop – Getting back to Business, an award, and new FinCEN Reporting

Tue, 27 Jan 2026 17:12:07 GMT

Welcome to 2026

As the new year gets underway, we’re sharing a few updates worth your attention from recent recognition for our attorneys to new Florida laws now in effect, plus helpful resources from our latest blog posts. We’re looking ahead to a busy year and are here to help you navigate what’s next with clarity and confidence.
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OLG News

Orlando Law Group Recognized in 2026 Best Law Firms®

We're proud to share that Orlando Law Group has been named a Tier 3 firm in Orlando for Commercial Litigation in the 2026 edition of Best Law Firms®.

This recognition, combined with founder Jennifer Englert's individual listing in The Best Lawyers in America® 2026, reflects our continued commitment to providing exceptional legal representation to our Central Florida community.

Learn more at Best Lawyers®

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What’s New in Florida Law
(Effective Jan. 1, 2026)

As we kick off the new year, several new Florida laws officially took effect. While this isn’t a comprehensive list, here are a few notable changes that may impact Florida residents and businesses:

Animal Cruelty Database (HB 255)

Dubbed "Dexter's Law," this legislation establishes harsher penalties for animal cruelty and requires the Florida Department of Law Enforcement to maintain a searchable database of those convicted of animal cruelty offenses. The law was named after Dexter, a shelter dog who was adopted and later found beheaded in Fort DeSoto Park.

Pet Insurance Coverage (HB 655)

Pet insurance is now officially classified as property insurance under Florida law. The changes include coverage for pet accidents and illnesses, along with new disclosure requirements. Pet insurance agents are now prohibited from misrepresenting wellness programs as insurance.

Breast Examinations for State Workers (SB 158)

State employees can now receive diagnostic and supplemental breast examinations without cost-sharing requirements under the state group insurance program.

Health Insurance Claims (SB 944)

Health insurers and HMOs now have just 12 months (down from 30 months) to submit claims to licensed psychologists for services provided on or after January 1, 2026.

Patient Refunds (SB 1808)

Healthcare practitioners must now refund patient overpayments within 30 days or face fines of up to $500.

Read the full overview of new Florida laws here

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Coming Soon!
Medicaid Pl anning With Drew Storie

Many families don’t think about Medicaid planning until they’re already in crisis, often after a medical event or sudden need for long-term care. By then, options can feel limited and overwhelming.

That’s why we’re launching a new Medicaid Planning series, where our team will break down how Medicaid works, who it’s for, and how planning ahead can protect both care options and family assets.

Through short videos , in-depth blogs , and easy-to-follow downloadable guides , we’ll walk through common questions, misconceptions, and planning strategies so families can make informed decisions before they’re under pressure.

Keep an eye out for our upcoming Medicaid Planning series featuring attorney Drew Storie , and check back soon for resources you can save, share, and reference when you need them most.

Follow us on social media for the release of our upcoming Medicaid Planning series , including videos, blogs, and downloadable guides designed to help families plan with confidence.

�� Follow The Orlando Law Group:

Facebook | Instagram | LinkedIn | YouTube

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Don’t Miss These Must-Read Blogs!

Buying Property with Cash or an LLC? New FinCEN Reporting Starts March 1, 2026

Starting March 1, 2026, certain all-cash residential real estate transactions will be subject to new federal reporting requirements through FinCEN.

The rule primarily affects purchases involving LLCs or trusts and is designed to increase transparency in high-risk transactions. This article explains who is impacted, who is responsible for reporting, and what buyers, sellers, and real estate professionals should expect.

A Guide to Becoming a Certified Business Enterprise with the State of Florida

This guide explains how businesses can become a Certified Business Enterprise (CBE) with the State of Florida and why certification matters.

It outlines who qualifies, the application process, and how certification can help businesses access state contracting opportunities and procurement programs.

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In Case You Missed It!

Planning for the future is crucial, and we’re here to make it easier for you. Join Attorney Erika De Jesus as she breaks down the essentials of estate planning in our new series. From wills to trusts, get the guidance you need to protect your loved ones and secure your legacy.

�� Follow us to stay informed and learn m ore about how estate planning can benefit you. Need personalized assistance? We’re just a call away! Contact us at 407-565-HELP.

Stay informed about essential topics in Commercial Real Estate and Lease Law with our detailed playlist. Join The Orlando Law Group's experienced real estate attorneys and commercial lease lawyers as we explore critical issues affecting property owners, tenants, and investors across Central Florida. From broker requirements to tenant rights and property maintenance, each video provides valuable insights to help you navigate the complexities of commercial real estate effectively.

More to Come—Stay Tuned!

There’s always something happening at OLG, and we can’t wait to share more with you soon! If you have any questions, need legal support, or want to join one of our upcoming events, don’t hesitate to reach out. See you next time!

How to Improve a New Home After Move-In

Mon, 12 Jan 2026 17:01:49 GMT

You thought you were done. Boxes unpacked. Keys in hand. That "new house smell" still lingering. But after a few weeks, maybe a month, little things start poking at you. The closet feels off. The lights are all wrong. The bathroom sink? Weirdly low. You start muttering, "Who designed this?" while brushing your teeth. This is what no one tells you: brand-new homes often need fixing, too. Not because they’re broken — but because they weren’t built for you.

Understanding Post-Move Renovation Needs

Let’s be honest: builders cut corners. Not the illegal kind. Just... practical ones. Cheap faucets. Empty backyard. One lonely overhead light in every room, casting the same cold white glow you'd find in a hospital waiting room. It’s all “builder grade.” Which means: good enough to pass inspection, not great to live in. Also, life shifts. You move in thinking you’ll work at the kitchen table. Two weeks later, you’re pricing out wall-mounted desks and soundproofing panels. Stuff you didn’t know you’d need becomes obvious the moment you live in the space. That’s when the real design starts.

Common Renovation Mistakes to Avoid

Here’s what most people get wrong: they treat the house like a weekend project, not a long game . They gut the kitchen before figuring out where the sun hits in the morning. They blow ten grand on a fancy tub before noticing the water pressure is trash. And don’t even start if you haven’t checked your warranties — one tweak in the wrong system and boom, it’s void. Also: hiring the wrong contractor because “they could start Monday” is a trap. So is watching one too many HGTV montages and thinking, “We could knock that out in a weekend.” You can’t. You won’t.

Keeping Your Project Organized Digitally

Every permit, receipt, warranty — it piles up. One day you’ll need it. The inspector calls. The neighbor’s fence creeps. Your sink starts leaking and the plumber asks what model it is. Save yourself the panic. PDFs are your friend. Everything in one folder. Searchable. Sharable. Not curled up in a drawer under expired coupons. And yeah — there are online tools that’ll help you clean all that up. Check this out to convert, compress, and rotate PDFs.

How to Prioritize Before Making Changes

Step one: live in the house. Just… exist in it. Cook. Trip over the entry rug. Try to plug your phone in next to the bed and realize there’s no outlet. These are the real clues. From there? Make a list. Not a dream board. A problem list. Stuff that bugs you. Stuff that’s inefficient. Stuff you grumble about at 6:45 AM with coffee in hand. That’s your starting point. Not Instagram. Not Pinterest. Not whatever your friend did last year. Your house. Your life. Your friction.

Maintaining Safety During Early Upgrades

Here’s a dirty secret: even “new” homes can mess with your air. Paint fumes, insulation fluff, leftover drywall dust — all of it floats around. Rip up a floor too soon and suddenly your living room becomes a particulate circus. Got kids? Pets? Allergies? Now you’re dealing with more than just an annoying cough. Keep things sealed. Ventilate like crazy . Take your shoes off inside. Get an air purifier if you’re tearing things up. Don’t skimp on this stuff. You can’t redo lungs.

Practical Upgrades That Improve Daily Use

Forget big, flashy remodels for a second. The stuff that pays off fastest? Quiet upgrades. Better pantry shelves so you stop cursing every time a spice jar falls. Dimmer switches. Soft-close drawers. A coat hook by the door that doesn’t rip out of the drywall when you hang your bag. Fix the bones first. Then the vibe. And for the love of sanity: invest in light. Real light. Warm light. Lamps, under-cabinet LEDs, a decent reading bulb. Your mood depends on it more than you think.

Building Comfort and Value Over Time

The first few months are about fixing friction. The next step? Futureproofing. Energy-efficient lighting, programmable thermostats, and weatherstripping are small moves with lasting impact. Maybe you’re not ready for solar panels — but running conduit now could save thousands later. Want to add an EV charger or battery backup system? Have an electrician run the necessary wiring or conduit now. Think in terms of layers: comfort today, infrastructure tomorrow. Sustainability isn’t about perfection — it’s about choosing upgrades that pay you back, in both money and ease.

Renovating a new home might sound redundant — but it’s often where comfort, identity, and function begin to align. The goal isn’t to tear everything out. It’s to listen to the space, live in it, and then act. The best upgrades don’t happen in the first week; they show up after the third time you trip over something or wish the hallway had a dimmer. Smart changes aren’t flashy. They’re useful. Durable. Invisible until they save your day. So move in, observe, and upgrade like someone who plans to stay.

Discover the key to your real estate dreams with Brown Home Group , where our dedicated team of experienced realtors goes above and beyond to ensure your buying or selling journey is seamless and successful!

Moving Closer to Family While Maintaining Independence

Mon, 29 Dec 2025 19:44:45 GMT

Relocation gets framed as logistics: new zip code, shorter commutes, maybe a bit more support. But beneath the surface, it’s more emotional calculus than practical math. Moving closer to family raises the question of space—how much to share, how much to protect, what closeness is worth when it threatens to collapse the distance needed for clarity. Done well, the move can sharpen both connection and autonomy. Done without thought, it can blur the line between presence and overexposure. The margin is thin. The impact runs deep.

Selecting the Right Neighborhood

Living nearby doesn’t always mean feeling close. A neighborhood ten minutes away might preserve a person’s rhythms better than one that sits just around the corner. Walkability, noise levels, and community personality all shape how daily life unfolds . These aren’t just surface traits. They define whether the home becomes a base or a boundaryless extension of someone else’s world. A location that leaves space for silence—and routines that don’t require explanation—often holds more long-term value than pure convenience.

Working With a Real Estate Team

When moving closer to family becomes part of your plan to strengthen connections without sacrificing independence, working with a trusted real estate team can help you find the right neighborhood and home that supports both your personal and professional goals. Brown Home Group offers expert guidance throughout the home-buying process, helping you evaluate local communities, understand market trends, and confidently choose a space that fits your lifestyle and future plans. Functional outcomes come from emotional clarity. What’s being bought isn’t square footage—it’s the ability to draw a livable line.

Creating Professional Independence

Nothing communicates direction like motion. Starting a business while settling near family reframes presence—not as aimlessness, but as momentum. Autonomy becomes visible. Purpose becomes audible. Structuring time through self-led work stabilizes identity when proximity to the past threatens to flatten it. Drafting a business plan that maps the service, delivery, structure, funding needs, and income projection isn't just about paperwork— it's declaration by infrastructure . Professional intention becomes personal insulation.

Establishing Personal Boundaries

No announcement is required. Quiet consistency outperforms dramatic boundary-setting every time. When time is guarded as routine — not as a one-time declaration—it holds. People tend to meet the patterns they’re shown. Living close to family doesn’t require explanation, but it does demand repetition. Certain hours stay blocked. Certain rituals stay untouched. What matters most is not visibility, but rhythm. That’s how a life stays sovereign inside shared geography.

Maintaining Healthy Support Dynamics

Access and entitlement are not synonyms. Support works best when it fades into the background—available, not assumed. That includes favors, drop-ins, even emotional asks. People can adjust to availability without ownership. The move closer doesn’t have to mean a move inward. When the home carries its own agenda, the individual doesn’t dissolve into the group. Balance isn’t automatic, but it’s possible when reinforcement shows up in the day-to-day, not in one-off reminders.

Reinforcing Individual Identity

Shared geography has a way of resurrecting old dynamics. Labels reappear. Expectations reattach. That’s not nostalgia—it’s regression. The only remedy is new exposure : contexts where the past holds no weight. Social settings, work rhythms, casual rituals where names carry no backstory. Identity doesn’t fade when it’s fed. And the right kind of repetition—solo routines, unrelated contacts, structured independence—quietly rewrites the local narrative over time.

The decision to move closer isn’t small, and it isn’t neutral. It shifts emotional gravity, redistributes access, and forces the question of who controls the calendar. The success of such a move isn’t measured in miles or minutes. It’s measured in whether time still feels owned, whether quiet remains possible, and whether self-direction survives proximity. That’s not balance. That’s authorship. And it’s worth protecting.

The Orlando Law Scoop – Giving Back, Business Updates, & Planning for 2026

Thu, 18 Dec 2025 23:28:09 GMT

Happy Holidays From The Orlando Law Group

As 2025 comes to a close, it’s the perfect time to pause and make sure your legal matters are in order before the new year. Whether you’re running a business, managing property, or planning for your family’s future, small updates now can prevent big headaches later.

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Giving Back This Holiday Season

This December, our team was proud to support Matthew’s Hope through a holiday toy drive to help bring joy to children and families in our Central Florida community.

We’re incredibly grateful to Matthew’s Hope for the work they do year-round to support individuals and families experiencing homelessness. Their commitment to compassion, dignity, and real support makes a meaningful difference in our community, especially during the holidays.

If you’d still like to give back this season, Matthew’s Hope is always accepting donations, and every contribution helps them continue their mission.

�� https://www.matthewshopeministries.org/

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Year-End Legal Check-In:
What to Review Before 2026

Family & Financial Planning

Review or update your will, trust, or estate plan, especially after major life changes (marriage, divorce, new child, new property).
Make sure beneficiaries are up to date on retirement accounts and insurance policies.

If circumstances have changed, consider whether your child support or custody agreement still fits your family’s needs.

�� READ NOW

Business Owners & Entrepreneurs

Double-check your annual filings and business licenses before year-end.
Review your contracts and employee agreements for updates going into 2026.
Evaluate your business structure for potential tax benefits before the new fiscal year.

�� READ NOW

If you’d like our team to review your situation before the year ends, call 407-565-HELP or visit TheOrlandoLawGroup.com . We’re here to help you start 2026 confident, covered, and legally protected.

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Coming Soon!
Medicaid Pl anning With Drew Storie

�� Follow The Orlando Law Group:

Facebook | Instagram | LinkedIn | YouTube

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Don’t Miss These Must-Read Blogs!

Florida Ends the Commercial

Rental Tax: Why It's a Big

Deal for Businesses

Florida is ending the commercial rental tax, previously a unique statewide tax on business rent, starting October 1, 2025.

The repeal is expected to provide meaningful cost savings for businesses, free up capital for reinvestment, and remove a long-standing competitive disadvantage for companies operating in the state.

Refinancing in Florida with a

Lady Bird Deed: What You

Need to Know

Refinancing with a Lady Bird Deed in Florida can cause confusion for lenders unfamiliar with this unique estate planning tool.

Our latest blog explains why lenders may ask for its removal, how to resolve the issue, and how to protect your property and beneficiaries in the process.

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In Case You Missed It!

�� Follow us to stay informed and learn m ore about how estate planning can benefit you. Need personalized assistance? We’re just a call away! Contact us at 407-565-HELP.

More to Come—Stay Tuned!

Thinking About a Fixer-Upper? Here’s What Nobody Warns You About

Tue, 02 Dec 2025 20:23:19 GMT

Buying a fixer-upper seems like a clever move—cheap price, great potential, maybe a shot at living in a zip code you thought was off-limits. On paper, it feels romantic: grit, tools, a vision, and weekends full of transformation. In reality? It’s a grind. First-timers often underestimate how fast “a few projects” can spiral into structural chaos. And once the walls come down, you can’t unsee the mess. If you're eyeing a house that “just needs a little work,” here’s what you need to figure out before that offer goes in.

Evaluating the Neighborhood and Location

That perfect price tag means nothing if the neighborhood’s going nowhere . You can replace the plumbing, sure—but not the next-door neighbor with six cars in the yard. Look around. Are homes maintained? Do people walk their dogs here? Is there a weird smell you can’t place? The area carries your resale, your insurance, even your peace of mind. A great house in the wrong pocket is like dressing up for a party that doesn’t exist.

Conducting a Thorough Property Inspection

That retro tile might be hiding water damage. That "character" might be code for structural rot. A true inspection isn’t just a formality— it’s your reality check . Bring someone with no emotional investment and an eye for bad news. Better yet, get a contractor in early to ballpark costs. Because if the foundation’s shifting or there’s mold tucked behind those charming built-ins? You’ll want out before you're locked in.

Planning for Financing and Total Costs

You’re not just buying a house—you’re buying a renovation timeline, a tool habit, and a parade of invoices. Loans that roll repairs into the mortgage can save you from cash chaos. But even with financing? Add padding. Always. Something will break, someone will ghost, a wall will reveal an ancient plumbing sin. Treat your first estimate like a rough sketch, not gospel. And never assume you’ll stay on schedule. You won’t.

Addressing Structural and Safety Systems

Before you touch a single finish, make sure the house is sound. Roof, plumbing, electrical, HVAC—those boring systems matter more than whatever backsplash you’ve been eyeing. It’s not sexy, but it’s safety. If it’s leaking, shocking, or freezing you out, it's a priority. Cosmetic upgrades can wait. And if you have to choose between "looks good" and "won’t burn down"? Choose the latter. Every. Time.

Making Essential Electrical Upgrades

Old houses and electricity are a risky pair. Before you get clever with lighting or appliances, have a licensed electrician look at the entire system—panels, outlets, wiring. Plenty of older homes can’t handle modern loads, and that’s not just an inconvenience, it’s a fire risk. Start with top‑quality parts from trusted brands—explore these sources for electrical supply needs . Shoddy electrical work comes back to bite—usually when it’s too late to fix cheap.

Identifying Common Fixer-Upper Repairs

Certain repairs show up like clockwork. Roof leaks? Count on it. Drainage issues? Common. Old galvanized pipes, drafty windows, termite damage, dodgy subfloors— these are classic fixer-upper problems . And they aren’t always visible at first glance. Start with what's dangerous or actively decaying. Then handle what snowballs into bigger issues later. Cosmetic stuff can come last—or never. There’s no award for “prettiest unfinished project.”

There’s pride in buying a home that needs you. But don’t romanticize the mess. Renovating takes grit, time, and more backup plans than you think you’ll need. Your fixer-upper might become your dream home—but only if you stay clear-eyed, ask hard questions, and know when to slow down. Don’t let charm blind you to cost. And don’t try to do it all alone. Buy the project you’re actually ready for, not the one you wish you were.

Discover the key to your real estate dreams with Brown Home Group , where our dedicated team of experienced realtors goes above and beyond to ensure you buy or sell with confidence in Central Florida.

Selling a Vacant Home? Here’s How to Do It Without Losing Money or Momentum

Mon, 17 Nov 2025 18:19:11 GMT

You’ve moved out. The house is empty. And every day it sits unsold, it costs you—emotionally and financially. Selling a vacant property comes with a unique set of risks and responsibilities. But with the right strategy, you can attract serious buyers, manage expenses smartly, and close the deal from wherever you are. These seven sections walk you through the most critical moves to make now.

Keep Costs Predictable, Even From Afar

The moment your home is vacant, you're still on the hook for utilities, insurance, taxes, and upkeep—but without the daily visibility you once had. Before problems escalate, get ahead of your spending. Create a budget that includes real estate commission, home prep, staging, and potential concessions. You don’t want surprise expenses hitting at closing. Knowing what home‑selling fees to expect lets you estimate your break-even point and time your price adjustments with confidence.

Maintain a “Lived-In” Look Without Living There

Empty homes feel cold. Worse, they signal neglect to buyers. If you’ve already left, set up systems that keep the home visually appealing. Schedule weekly landscaping. Arrange for packages and flyers to be removed from the porch. And invest in basic curb appeal—new mulch, trimmed bushes, fresh doormat. These curb appeal tips for a vacant property give your place a lived-in energy, even if no one’s been there for weeks.

Make It Easy for Buyers to Emotionally Connect

An empty house forces buyers to use their imagination. And not all of them are good at it. Visual staging fills that gap. Focus on key areas: living room, primary bedroom, dining space. Add just enough furniture to give a sense of scale and flow. And make sure your agent is using digital walk-throughs, interactive floor plans, and smart scheduling tools to guide remote buyers. These vacant home staging essentials create warmth and orientation without requiring you to restage the entire property.

Shrink Monthly Carrying Costs Without Cutting Corners
Don’t let a vacant home drain your wallet. The big four to watch are utilities, insurance, cleaning, and lawn care. Start by talking to your utility companies —you may qualify for an “inactive-but-maintained” rate. Some home insurance carriers offer vacancy policies that cost less but still meet requirements. And there’s no shame in automating small stuff.

Stage Strategically—Not Expensively
You don’t need a warehouse of designer furniture to make your house feel like home. A few well-placed items—lamps, neutral art, entryway rug, a small bistro table in the kitchen—can create a “this could be us” vibe. Many homeowners go the DIY route: inflatable beds for bedrooms, baskets for towels, mirrors for light. Don’t overdo it. Your goal isn’t HGTV— it's comfort and clarity .

Offer Peace of Mind With Protection Plans
When you’re not around to address buyer concerns in person, the smallest unknowns can feel like big risks. One way to calm nerves is by working with your real estate agent to offer a home warranty or listing-period protection plan. These policies can ease inspection-related fears, especially in vacant homes where buyers can’t easily ask, “What’s that noise?” or “Was that just fixed?” By covering certain systems or appliances, you reduce the chances of last-minute negotiations over minor issues. To see how these plans can add buyer confidence, check this out .

Close the Sale From Anywhere (Without Drama)
You no longer need to be in town—or even in the same time zone—to close on your home. Remote closings, mobile notaries, and e-signatures are all standard now. Just make sure your title company and agent know you’re remote from the start. You’ll also want to confirm how funds are disbursed and whether there’s anything you need to sign in person. This explainer on the remote closing process for sellers lays out the exact steps and timelines so you’re not scrambling when the deal goes live.

Selling a vacant home doesn’t need to feel like a logistical headache. With the right setup—clear communication, practical staging, remote closing support—you can keep momentum high and hold costs low. And when buyers walk in, they’ll feel like someone just stepped out to grab coffee—not like they’re the first ones back in after a long time. That’s the kind of energy that sells homes quickly—and cleanly—from a distance.

Read This Before You Rip Out a Wall

Tue, 28 Oct 2025 16:06:57 GMT

There’s this moment before the demolition starts—before the hammer swings, before the contractor texts you “running late”—where it all feels possible. You’ve got your Pinterest board, maybe a sketch on a napkin, some color swatches you’re already half-committed to. And then, pretty quick, it turns into noise. Timelines slip. Dust finds its way into your underwear drawer. People stop showing up when they said they would. And suddenly you’re Googling “is it normal to cry during a remodel.”

So here’s the deal. This isn’t a blueprint. It’s a gut-check.

Planning Isn’t Optional

Winging it will eat your lunch. If you’re thinking “we’ll just figure it out as we go,” go ahead and budget double. You’ve got to define your renovation scope before you do anything. Write it down; get specific. What’s staying. What’s getting ripped out. Where can you flex if costs balloon. People will ask “what’s the plan?” and you’ll think you have one, but unless it’s down on paper? You don’t. This isn’t HGTV. This is your house. Clarity protects you.

Don’t Hire the Vibe — Hire the Plan

The smooth-talking guy might not show up after deposit day. You need receipts, not vibes. When you’re talking to contractors, don’t get hypnotized by jargon or charisma. Push for structure. Get everything in writing. Start date, payment schedule, who’s responsible for hauling out the mess — all of it. If they squirm, that’s your cue. Be direct. Ask for clear contractor commitments and make sure they don’t treat it like a weird request. It’s not personal. It’s your sanity on the line.

Your Docs Will Get Out of Hand. Tame Them.

Permits. Receipts. Contracts. Mood boards. Estimates. You’ll think, “Oh, I’ll remember where that is.” You won’t. They’ll be in six different inboxes and three cloud folders. And right when you need that signed plumbing quote, it’ll be buried under something labeled “Final FINAL v3.” Merge your PDFs. All of them. Stick ‘em in one place. Bookmark it. Reference it. It’ll save you mid-panic. If you need a no-hassle way to do that, just take a look and pull your renovation paperwork together before it unravels.

Your Budget is Lying to You

Whatever your estimate is, add 20%. Just do it. Even if everything feels locked. Even if your spreadsheet color codes make you feel safe. You will discover something behind a wall or under a floor that makes your electrician say “uhh, we’ve got a problem.” And then you’ll either panic or pull from the padding you had the foresight to set aside. The smart move is to budget with a contingency buffer . It’s much better to have leftover money than an unfinished bathroom and maxed card.

Your House Will Not Be Livable. Accept That Now.

There’s no such thing as a dust-free renovation. It will get in your socks. It will float into your cereal. Your door might be off the hinges for days. Water might be shut off. One night you’ll try to find your toothbrush and discover it under a tarp next to a pile of grout. Even if your contractor promises otherwise, lead times can extend project delays and suddenly you’re eating takeout on an upside-down laundry basket. Make peace with chaos early. It’s coming, either way.

The Curveballs Hit Hardest When You’re Tired

You’ll make your worst decisions on day 32 when you're over it and just want it to end. That’s when you say yes to the wrong tile or skip a final inspection. Don’t. Force yourself to stay sharp when everything’s blurry. Renovations don’t fall apart all at once — they drift. You skip a walkthrough. You ignore a bad gut feeling. You rush because you’re done emotionally. Don’t do that. Prepare for what most homeowners miss entirely : the fatigue. It’s the invisible enemy, and it wrecks more projects than bad tile ever could.

It’s Not Done When It’s “Done”

The crew might pack up. The floors might look shiny. But you’re not out of the woods yet. There will be fixes, touch-ups, little weird quirks you don’t notice until week two. Make a punch list. Schedule a walkthrough. Don’t ghost the finish. That last 5%? It’s everything. Set yourself up to follow a simple renovation checklist that keeps you honest when all you want to do is collapse on your new couch and pretend it’s over. Finish strong. Or live with regrets.

Renovating your home will test you. You will second-guess your choices. You’ll hate paint colors you once loved. You’ll wonder if the crew is ever coming back. And then, weirdly, one day — it’ll be done. The house will be quieter. The walls smoother. You’ll notice you stop holding your breath when you walk into the kitchen. That’s when it hits you. It was never just about the tile or the lights. It was about holding the line when everything wanted to slide. And you did.

🌞 June 2025 Guide: 🗞️ Key Updates, 🎉 Holidays & 🎨 Things to Do

Wed, 06 Aug 2025 21:54:00 GMT

JUNETEENTH HISTORY: Juneteenth commemorates the June 19, 1866, announcement in Texas that enslaved people there were finally free, marking the end of slavery in the United States. It is celebrated to remember the news of the Emancipation Proclamation reaching Texas over two years after it was initially issued. Initially celebrated with prayer meetings and spirituals, it has evolved into a nationwide celebration, recognized as a federal holiday

Can You Buy and Sell a Home at the Same Time? Yes—Here’s How

Wed, 06 Aug 2025 21:48:33 GMT

Stars, Stripes & Sold Signs – Explore Hot Orlando Listings!

Wed, 06 Aug 2025 21:39:16 GMT

As we approach Independence Day, we’re filled with gratitude—for freedom, for community, and for the place we all call home. ��✨

This season reminds us of the importance of unity, resilience, and celebrating life’s meaningful moments with the ones we love. Whether you're lighting up the sky with fireworks, sharing a meal with neighbors, or simply relaxing under the summer sun, we hope your Fourth is filled with joy, laughter, and unforgettable memories.

From our family to yours, Happy Independence Day!
Here's to the red, white, and blue—and to finding your perfect place to call home. ❤️��

With warmest wishes,
– The Brown Home Group

Celebrating Our June 2025 Closings!

At Brown Home Group, our commitment goes beyond transactions — we’re dedicated to delivering a seamless, stress-free experience for every client, every step of the way. Whether you're buying your dream home or selling your current one, our entire team is here to provide exceptional service with heart, hustle, and expertise.

To our amazing buyers and sellers — thank you for placing your trust in us. Your confidence fuels our passion, and we are truly honored to be a part of your journey.

Here’s to new beginnings and happy closings! ��

June Podcast Episode: All About Home Inspections!

In Episode 9 of the Beyond the Key Podcast, we sat down with Alberto Cruz IV, owner and master home inspector at GoPro Home Inspection. Alberto walks us through the essential steps of a professional home inspection and shares expert tips every homeowner and buyer should know.

Don’t miss this insightful conversation—watch now to learn what really goes into a thorough home inspection!

Hot Properties on the Market – June 2025

Dreaming of a new home? These standout listings are heating up the market this month! Take a look—you might just find the perfect match.
Ready to schedule a tour or learn more? Contact Brown Home Group today at 321-348-8720 .

☀️ Hot Homes & Cool Deals: Your Summer Real Estate Update in Orlando!

Wed, 06 Aug 2025 21:30:47 GMT

Discover Orlando: Your Guide to July 2025 Events & Experiences!!

Wed, 06 Aug 2025 10:33:58 GMT

The Orlando Law Scoop -Evictions, Free Speech, and a Big Win for Our Firm

Wed, 30 Jul 2025 23:33:08 GMT

What's Hot in Florida Law

From free speech battles to eviction tips and foreclosure
strategy, stay informed, stay protected.

From fighting for free speech rights to helping landlords avoid costly eviction mistakes, our team has been hard at work, both in and out of the courtroom. In this edition, we’re sharing a high-profile HOA case featured on FOX 35, practical advice for handling evictions in Florida, a big win at the HYPE Awards, and a breakdown of how to legally delay foreclosure and sell your property.

Whether you're protecting your investments or just trying to stay on top of new developments, we’ve got the insights to help you move forward with confidence.

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Community Corner

GOBA 2025 HYPE Awards

We’re excited to share that The Orlando Law Group was recognized as Attorney / Industry Consultant / Trade Partner of the Year at this year’s HYPE Awards, hosted by the Greater Orlando Builders Association.

The event honors trade professionals and partners making an impact in Central Florida’s residential construction industry.

We’re proud to be part of that network and grateful for the recognition.

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In the News
Adam Herman takes on First Amendment case

OLG Attorney Adam Herman is representing a DeLand homeowner in a headline-making case that has sparked legal and political debate across Florida.

While the legal claims focus on setback rules, the case raises a much larger question: Can legal action be used to silence political expression?

No matter where you fall on the political spectrum, the right to free speech deserves protection.

Even Florida’s Attorney General has stepped in, calling the lawsuit an intimidation tactic that threatens constitutional rights.

Adam is standing up for a core principle: Regardless of what the message is, homeowners have the right to express themselves, within the bounds of the law.

�� Watch the FOX 35 story

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Eviction Essentials with Jarrod Etheridge:

What Landlords Need to Know

Let’s be honest, evicting a tenant in Florida can get complicated fast. If you miss a deadline, use the wrong form, or file too early, your case could get dismissed or delayed for weeks. And that’s time your tenant may still be living on your property without paying rent.

In our latest video series, attorney Jarrod Etheridge walks through the eviction process step by step, covering common mistakes, timelines, and how to make sure everything is done by the book.

Whether you’re a private landlord or manage properties through an LLC, this
is the go-to guide for getting your property back, legally and efficiently.

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Don’t Miss These Must-Read Blogs!

How to Protect Your Non-profit
When Using Event Pictures in
Marketing

Using event photos for promotion seems simple, but Florida law requires express consent if images are used for commercial or fundraising purposes.

Posting casual event recaps is usually safe, but using someone's image in a donation pitch or mailer could cross the legal line.

Our latest blog breaks down the rules and offers smart tips to help your non-profit stay compliant and avoid costly mistakes.

Selling a Home in Foreclosure:
Legal Options for Florida
Homeowners

If you're facing foreclosure in Florida, you may still be able to sell your home, but timing and legal action are everything. This blog breaks down how the foreclosure timeline works, what steps you need to take to delay the process, and why speaking with an attorney early can help you get the most out of your property.

Many homeowners wait too long and lose control over the sale, leaving money on the table at auction.

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In Case You Missed It!

�� Follow us to stay informed and learn m ore about how estate planning can benefit you. Need personalized assistance? We’re just a call away! Contact us at 407-565-HELP.

More to Come—Stay Tuned!

New Laws for 2025: Landlord Changes, Equity Contracts & More

Wed, 18 Jun 2025 16:13:29 GMT

Summer Laws & Legal Tips

New Rules, Real Risks, and Updates Every Florida Business & Homeowner Should Know!

Summer’s heating up, and so is Florida law. From immigration raids to new landlord notice rules and equity contracts that seem too good to be true, we’re breaking down the big legal shifts you need to know. Plus, we’ve got fresh blogs, video insights, and quick tips to help you stay informed (and protected) all summer long.
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Community Corner

Women Who Move the City

We’re honored to be recognized in Orlando Magazine’s Women Who Move the City issue, and not just because we clean up nice.

When Jennifer Englert founded The Orlando Law Group, she built more than a firm. She built a space for women to lead, grow, and lift each other up, and that mission is alive in every case we take, every client we serve, and every community we support.

�� To our incredible team and the men who support that mission every day, thank you.

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New Florida Laws Take Effect July 1st

Here’s What You Need to Know

Every summer, new legislation rolls in — and this year brings serious updates that affect schools, property owners, and public safety. From dog bite liability to stricter teacher reporting rules, here are three key changes that could impact your rights.

�� HB 209 State Land Management

State parks are now strictly for nature-based fun, no sports complexes like golf or pickleball allowed. Hiking, boating, and camping? Still fair game.

�� SB 1470 – School Safety

Stronger rules for school security. Guards must be sheriff-approved, and firearm-sniffing dogs can now be used on school campuses.

�� SB 612 – Fatal Drug Dealings

Teens under 18 who sell drugs like fentanyl or cocaine that lead to a death can now face third-degree murder charges (second-degree felony).

�� HB 255 – Animal Cruelty Database (Dexter’s Law)

Those convicted of intentional animal cruelty will now be listed in a public database starting Jan. 1, 2026. Inspired by the tragic case of a shelter dog named Dexter.

�� HB 547 – Medical Debt Notice Exception

If a hospital has a contract with a debt buyer that waives interest and extra fees, they can now skip the usual 30-day notice before selling your medical debt.

And that’s just the tip of the legal iceberg.

Want to dive deeper into the wild world of new Florida laws? Check out the full rundown from WKMG Here

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Florida Landlords Can Now Email

Legal Notices!

Yep, it's official—thanks to HB 615, Florida landlords can now email legal notices like lease terminations or maintenance requests.

But here’s the catch:

Both the landlord and tenant must agree in writing, sign a lease addendum, and provide valid email addresses.

Notices are considered delivered once sent (unless they bounce).
Texts, DMs, or emails without proior approval still won’t cut it.
The agreement is voluntary and can be revoked at any time.

So if you're managing rentals or signing a new lease, make sure you're covered on paper and in the inbox.

�� Read the full blog to see what’s allowed and how to stay compliant →

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Don’t Miss These Must-Read Blogs!

Is Your Business Ready For ICE?

A recent high-profile raid at a Tallahassee construction site is a warning sign: immigration enforcement is becoming more visible in Florida.

Businesses must be prepared by properly handling I-9 forms, using E-Verify (if required), and training employees on how to respond if immigration officials show up.

Know your rights —especially when it comes to warrants—and never let officials into private areas without the proper documentation.

Having a clear plan in place can protect your business from legal and financial fallout.

Should You Consider a Home Equity Investment in Florida

A new financing tool is gaining popularity: home equity contracts that offer homeowners a lump-sum payout with no monthly payments or interest. Instead, you repay a portion of your home’s future value when you sell, or when the contract ends in 10 to 30 years.

While this can help avoid foreclosure or bankruptcy, the repayment amount could far exceed what you’d owe with traditional financing.

It’s a high-risk, high-reward option that should be carefully reviewed, especially with your long-term goals and estate plan in mind.

More to Come—Stay Tuned!

The Orlando Law Scoop - Small Claims Guide, $450K Raised, and the June 30 HOA Deadline

Tue, 27 May 2025 17:00:16 GMT

May Moves with OLG
Q&A Drops, Big Wins, and That June Deadline You

Really Shouldn’t Miss!

As summer starts to sizzle, we’re wrapping up May with major community wins (��hello, Wine Quest!), fresh Legal Q&A videos on the way, and one very important certification deadline for HOA and COA boards coming fast.

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Community Corner

29th Annual Wine Quest

This May, we had the honor of sponsoring Quest, Inc.’s 29th Annual Wine Quest — an incredible evening dedicated to raising funds and awareness for individuals with developmental disabilities.

With more than $450,000 raised , the event was a true celebration of inclusion, independence, and the power of community (plus some fantastic wine and good company).

We’re proud to stand with organizations like Quest that help make our community stronger, one meaningful life at a time.

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Need to File a Small Claims Case in Florida? Here’s How.

Sometimes, doing the right thing means standing up for yourself — especially when someone else isn’t holding up their end of a deal.

If you’ve ever:

Paid a contractor who ghosted you halfway through the job
Been denied a refund for a defective product
Lent money that mysteriously vanished with no repayment

You might have a valid small claims case, and you don’t need to hire an attorney to pursue it.

If the amount you’re owed is under $8,000 , Florida law gives you the option to file a case yourself in small claims court . And while you can absolutely go it alone, our newest blog and downloadable one-sheeter walk you through what to expect.

You’ll learn:

What types of cases qualify
How to write a basic demand letter
Where to file your claim (hint: it’s not just anywhere)
What happens at mediation or trial
How to actually collect if you win

�� Whether it’s $500 or $7,999, you deserve a fair shot at getting your money back . This guide gives you the roadmap, and if you get stuck, we’re always here to help.

�� Grab the one-sheeter or read the full post Here

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HOA/COA BOARD MEMBERS!

TIMES ALMOST UP!

Don’t Get Fined. Get Certified.

tarting July 1, 2024, all new HOA and Condominium board directors must complete an approved education course. Existing board members—your deadline is June 30, 2025. No matter the size of your community, this training is essential, and we’re here to help!

�� Choose the best time for you from our upcoming course dates.

Legal Q&A: More Videos Coming Soon

Our Legal Q&A video series is just getting started — and your questions are the star of the show.

We’ve already covered everything from HOA headaches to business basics, and we’ve got more answers on the way.

�� Got something on your mind?

Send us your question — it might be featured in an upcoming video!

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Don’t Miss These Must-Read Blogs!

What to Watch in Tallahassee with Community Association Management

As Florida’s 2025 Legislative Session progresses, several bills could impact how Homeowners and Condominium Associations operate. Notable changes include potential updates to reserve requirements, virtual meeting policies, and investment rules, with the major focus on CS/SB 1742, a comprehensive bill that addresses licensing, public document requirements, and new processes for managing association funds.

The Ins and

Outs of Contracting

Contracts are a fundamental part of business and personal transactions, from online purchases to business agreements. For a contract to be valid, there must be mutual agreement on terms and an exchange of value. Key elements of a contract include clearly identifying the parties involved, specifying the agreement’s terms, setting dates, and ensuring both parties sign. It’s important to negotiate the terms, clarify responsibilities, and consult a lawyer to ensure the contract protects your interests and meets legal requirements.

More to Come—Stay Tuned!

The Orlando Law Scoop - Big Updates at OLG: New Attorney, Upcoming Events & More!

rick@brownhomegroup.com (Rick Brown) — Wed, 16 Apr 2025 20:07:44 GMT

Spring Forward with OLG

New Bootcamp, Fresh Blogs, and Meet Our New Attorney!

As we welcome April, we’re bringing you a fresh batch of updates from The Orlando Law Group! From exciting new opportunities for non-profits to our latest blog posts and the introduction of a new attorney, there’s a lot to catch up on

Community Center

Past and Upcoming Events

Where We've Been:

Earlier this month, we had the honor of joining the East Orlando Chamber of Commerce Non-Profit Council Roundtable, where we shared insights on legal considerations for non-profits and connected with some truly inspiring local leaders.

Thank you again to EOCC for having us!

Where We're Going

Next up, we’re lending a hand at the Avalon Day of Service on Saturday, April 19th! Hosted by the Kiwanis Kids Club, this event will bring together volunteers to build 40 beds for children in need.

Whether you’re volunteering your time or donating toward a build, there’s a way for everyone to get involved:

Volunteers as young as 8 (with an adult) are welcome, and this project qualifies for Bright Futures service hours!

Meet Jennifer, Our Newest Attorney!

We are excited to welcome Jennifer L. Peattie to The Orlando Law Group!

Jennifer brings extensive experience in Civil Litigation, Personal Injury , and HOA and Condominium Law at our Altamonte Springs office.

Jennifer earned her Bachelor of Science in Legal Studies from UCF and her Juris Doctorate from FAMU School of Law. Admitted to the Florida Bar in 2017, she has a broad legal background, including real estate, title, foreclosure, and medical debt collection. She is also skilled in advocating for clients in Personal Injury Protection cases.

Outside of work, Jennifer is actively involved in her church and is committed to giving back to the community. We’re thrilled to have Jennifer on board and look forward to her continued success with us!

Join us in welcoming Drew to the OLG family!

HOA/COA Certification Classes

Deadline Approaching!

Starting July 1, 2024, all new HOA and Condominium board directors must complete an approved education course. Existing board members—your deadline is June 30, 2025. No matter the size of your community, this training is essential, and we’re here to help!

�� Choose the best time for you from our upc oming course dates.

Don't Miss These Must-Read Blogs!

What to Watch in Tallahassee with Community Association Management

The Ins and

Outs of Contracting

In Case You Missed It!

�� Follow us to stay informed and learn more about how estate planning can be nefit you. Need personalized assistance? We’re just a call away! Contact us at 407-565-HELP.

More to Come—Stay Tuned!

There’s always something happening at OLG, and we can’t wait to share more with you soon! If you have any questions, need legal support, or want to join one o f our upcoming events, don’t hesitate to reach out. See you next time!

A No-Nonsense Guide to a Hassle-Free Job Relocation

Mon, 17 Feb 2025 18:06:23 GMT

Moving for a job is a big deal. It can mean exciting new opportunities, but let’s be real—it’s also a lot to handle. From packing up your life to figuring out your new city, there’s a lot to juggle. Whether you're chasing a promotion, switching industries, or just looking for a fresh start, making the transition smooth (and affordable) takes some planning. But don’t stress—there are plenty of ways to make moving for work easier, faster, and way less of a headache.

Level Up Your Career With Online Education

If you're in a field like nursing, getting an advanced degree can open a lot of doors. An online master’s in nursing, for example, can help you move into leadership roles like administration or education, which often come with better hours and higher pay. The best part? Online MSN degree programs make it easier to juggle work and school since you can study on your own schedule. Plus, you’ll save time and money by skipping the commute. Investing in your education isn’t just about earning more—it puts you in a position to make a bigger impact in your field.

Make House Hunting Easier With Local Real Estate Pros

Finding a place to live in a new city can be overwhelming, especially if you’re trying to balance your budget, commute, and lifestyle all at once. Want to make things easier on yourself? Get yourself a real estate agent who actually knows the area. They’ll point you toward the right neighborhoods, keep you from making expensive mistakes, and take a ton of stress off your plate. Sure, you could spend hours lost in online listings and market trends, but why make it harder than it needs to be? Let someone who does this every day (like Brown Home Group ) handle the tricky stuff so you can focus on the move itself.

Keep Your Important Stuff Safe While Moving

Packing up and moving is already chaotic enough—you don’t want to add losing important documents or valuables to the mix. Keep things like passports, birth certificates, and financial documents in a separate bag that stays with you at all times. If you want extra protection, a fireproof or theft-proof bag can help keep everything secure. Having all your essentials in one place means you won’t be scrambling to find them when you need them.

Understand How Taxes Affect Employer-Paid Moving Expenses

If your employer is covering your moving costs, don’t assume it’s all free money. Right now, employer-paid moving expenses are considered taxable income, which means you’ll owe taxes on them. But keep an eye on tax law changes—by 2026, moving expenses might become tax-deductible again. Either way, save your receipts and keep track of everything. It’s better to be prepared than surprised when tax season rolls around. If you're unsure about what applies to you, checking IRS resources or talking to a tax professional can help clear things up.

Find a Job Faster by Understanding the Local Market

Even if you’re moving for a specific job, understanding the job market in your new city can help you plan for the future. Some industries, like healthcare and tech, are growing in certain areas, while others may be more competitive. Checking out local job boards or resources can give you a sense of what to expect . Knowing which industries are booming and what skills are in demand can also help you negotiate better pay or prepare for future career moves.

Meet New People by Getting Involved in Hobbies

Moving to a new city can feel lonely at first, but getting involved in local activities is one of the best ways to meet people. Whether it’s joining a hiking group, attending a book club, or signing up for a class, shared hobbies can lead to great personal and professional connections . If you’re in a field like tech or design, events like hackathons or art meetups can even open up new job opportunities. Making connections through hobbies isn’t just fun—it can also help you feel more at home in your new city.

Stay Organized With a Moving Timeline

A solid game plan can make your move way less chaotic. Creating a timeline for everything —from giving notice at your current job to setting up utilities in your new place—keeps you on track. Breaking things down into small, manageable tasks makes everything feel less overwhelming. Sharing your plan with your employer, family, or anyone else involved helps avoid last-minute surprises. And don’t forget to book movers or rental trucks early to get the best rates!

Moving for work can be a lot, but it doesn’t have to be a total headache. With a little planning, some local know-how, and a flexible mindset, you can make the whole thing way easier. Stay organized, ask for help when you need it, and take it one step at a time. Before you know it, you’ll be unpacked, finding your new favorite coffee spot, and settling into your next adventure!

Discover the key to your real estate dreams with Brown Home Group —your trusted partner in buying, selling, or investing in Central Florida’s vibrant market!

The Orlando Law Scoop - Take Charge of 2025: A Practical Checklist for Your Peace of Mind

rick@brownhomegroup.com (Rick Brown) — Wed, 15 Jan 2025 19:40:09 GMT

Start the New Year with Confidence:

Your Essential Legal and Financial Checklist for the New Year

As we step into the new year, it’s the perfect time to reassess our goals and ensure our affairs are in order. Whether you’re looking to protect your family’s future, streamline your business, or simply get a fresh start, our New Year Reset Checklist is here to guide you. From updating your estate plan to revisiting your insurance coverage, these straightforward tips will help you begin the year with clarity and confidence.

Let’s make 2025 your best year yet!

N ew Year Reset Checklist

Review or Update Your Estate Plan

Confirm wills, trusts, and healthcare directives are up to date.
Make sure beneficiaries and key contacts still reflect your current wishes.

Verify Insurance Coverage

Check life, home, auto, or business policies for accuracy and adequate coverage.
Add new, high-value items (like holiday gifts) to your policy.

Organize Important Documents

Safely store originals (wills, titles, deeds) in a secure location.
Keep digital backups in an encrypted folder or password manager.

Assess Your Finances

Review your budget and set savings goals for the year.
Check beneficiary designations on bank, retirement, and investment accounts.

Consider Charitable or Non-Profit Involvement

Think about attending our Non-Profit Bootcamp if you’re interested in establishing or growing a charitable organization.
Explore tax benefits and community impact of giving back.

Plan for Business Updates (if applicable)

Ensure business licenses, permits, and corporate documents are current.
Schedule time to review or revise your operating agreements.

Schedule Professional Consultations

Estate Planning Attorney: Secure or update your plan.
Financial Advisor: Review investment strategies, retirement, and tax planning.
CPA or Tax Professional: Get organized ahead of tax deadlines.

Starting the year off with a clear plan sets you on the right path—less stress, fewer surprises, and more peace of mind. If you need guidance, we’re here to help.

Call 407-565-HELP to schedule a consultation or learn more about our services.

Make 2025 the Year You Secure Your Legacy

Planning for the future doesn’t have to be overwhelming. In our latest YouTube video series, Attorney Erika De Jesus breaks down the basics of estate planning—from wills to trusts. If you’ve been putting off this vital task, now’s the perfect time to learn how to safeguard your loved ones and secure your legacy.

Sometimes, you just need a friendly nudge. If you’ve been procrastinating on estate planning, consider this your sign. Attorney Erika De Jesus and The Orlando Law Group can help you set up or update your will, trust, and other essential documents—all in one place.

Contact Us Today at 407-565-HELP to get your estate plan in order. Don’t wait—your future (and your family’s peace of mind) depends on it.

Non-Profit Bootcamp:

Empowering Organizations to Thrive

Do you run a small non-profit organization? While you’re focused on making a difference, it’s crucial to ensure your operations are legally sound and your organization is protected from potential risks.

That’s where The Orlando Law Group’s Non-Profit Bootcamp comes in. This four-hour intensive session, led by legal experts and attended by 10 non-profit CEOs , is designed to guide your organization toward long-term success and stability.

�� What You’ll Learn:

Best practices for by-laws and governing documents
How to build and develop a strong board of directors
Personal and volunteer protections
Intellectual property safeguards for logos, graphics, and ideas
Donor and board member protections, and much more

�� What’s Included:

Every attendee will receive a Non-Profit Startup Kit with resources like:

Sample by-laws and board structures
State and IRS organizational documents
Planned giving templates and more

�� Cost: $499

�� Interested? Sign up today!

Email Bray@theorlandolawgroup.com to join this incredible opportunity.

Let The Orlando Law Group help you turn your passion into a legally sound and thriving non-profit organization.

The Orlando Law Scoop - 🎁 Giving Back, New Tips, and a Little Holiday Cheer!

Mon, 23 Dec 2024 18:47:06 GMT

Happy Holidays from The Orlando Law Group!

As the year draws to a close, we are filled with gratitude for the opportunities to support causes that matter deeply to us. This December, we're spotlighting remarkable local and international nonprofits, offering you a chance to join in the spirit of giving. Whether through donations, volunteering, or simply spreading the word, small actions can make a world of difference.

Together, let’s celebrate a season of generosity, connection, and hope.

Celebrating the Spirit of Giving

We love our team, and we love what our team loves! Through our 12 Days of Giving series, we’ve highlighted the incredible nonprofits that our employees hold close to their hearts. We hope you’ve learned a bit more about us and found some inspiration for your own holiday giving.

If you’re fortunate enough to have a little extra to share this season, consider supporting one of these great causes that mean so much to our team. Click the links to donate and join us in spreading kindness and generosity this holiday season:

Here are just a few of the amazing organizations making a difference:

Paw Print : Creating personalized pet gifts with proceeds supporting animal welfare.

Pet Rescue by Judy : Providing shelter and care for abandoned animals.

Matthew's Hope: Offering assistance and resources to the homeless in our community.

American Cancer Society: Supporting groundbreaking research and care for those affected by cancer.

Teen Challenge: Offering recovery and support for those struggling with addiction.

Love Missions Global: Fighting human trafficking and supporting survivors.

Wounded Warrior Project: Empowering injured veterans to thrive in civilian life.

Boys and Girls Clubs of America: Helping young people reach their full potential.

Second Harvest Food Bank of Central Florida: Fighting hunger one meal at a time.

National Federation of the Blind (NFB): Advocating for equality and opportunity for the blind community.

Orlando Philharmonic Orchestra: Enriching lives through the power of music.

Let’s make this season one of generosity and kindness.

Non-Profit Bootcamp:

Empowering Organizations to Thrive

�� What You’ll Learn:

Best practices for by-laws and governing documents
How to build and develop a strong board of directors
Personal and volunteer protections
Intellectual property safeguards for logos, graphics, and ideas
Donor and board member protections, and much more

�� What’s Included:

Every attendee will receive a Non-Profit Startup Kit with resources like:

Sample by-laws and board structures
State and IRS organizational documents
Planned giving templates and more

�� Cost: $499

�� Interested? Get on the waitlist today!

Email Rcrawford@theorlandolawgroup.com to join the waitlist and get updates about this incredible opportunity.

Let The Orlando Law Group help you turn your passion into a legally sound and thriving non-profit organization.

The Orlando Law Scoop - Upcoming Non-Profit Bootcamp & Critical Estate Planning Updates

Wed, 13 Nov 2024 20:18:18 GMT

Thank You for Being A Part of Our Community

As Thanksgiving approaches, we’re reminded of how grateful we are for the trust and support of our clients and partners. Your confidence in The Orlando Law Group allows us to make a difference in our community, and we’re honored to serve you.

Thank you for being a part of our journey. This season, we wish you and your loved ones a Thanksgiving filled with warmth, gratitude, and joy.

Could Your Business Survive $15,000 in Monthly Fines?

Missing your Beneficial Ownership Information (BOI) filing deadline could cost your business $500 per day in fines. That’s up to $15,000 per month—and that’s not even counting potential felony charges for willful non-compliance!

While the deadline has been extended for some businesses affected by recent hurricanes, waiting could put your business at risk. Don’t let this critical filing fall through the cracks. Taking action now ensures compliance and avoids costly penalties down the road.

Introducing The Non-Profit Bootcamp:

Empowering Organizations to Thrive

D o you run a small non-profit organization? While you’re focused on making a difference, it’s crucial to ensure your operations are legally sound and your organization is protected from potential risks.

�� What You’ll Learn:

Best practices for by-laws and governing documents
How to build and develop a strong board of directors
Personal and volunteer protections
Intellectual property safeguards for logos, graphics, and ideas
Donor and board member protections, and much more

�� What’s Included:

Every attendee will receive a Non-Profit Startup Kit with resources like:

Sample by-laws and board structures
State and IRS organizational documents
Planned giving templates and more

�� Cost: $499

�� Interested? Get on the waitlist today!

Email Rcrawford@theorlandolawgroup.com to join the waitlist and get updates about this incredible opportunity.

Let The Orlando Law Group help you turn your passion into a legally sound and thriving non-profit organization.

Get Recertified, Stay Informed

Ensure you're up-to-date with mandatory HOA/COA education requirements.

How to Build a Winning Portfolio Using the BRRRR Strategy

Sat, 14 Sep 2024 00:21:24 GMT

Image: Freepik

Real estate investing offers a myriad of strategies to build wealth, but few are as dynamic and potentially profitable as the BRRRR method. An acronym for Buy, Rehab, Rent, Refinance, Repeat, this approach allows investors to swiftly build equity, generate passive income, and expand their portfolio through a cyclical process. Each step of BRRRR involves distinct actions and goals, setting a clear path for financial growth and operational efficiency in the real estate domain.

Build Equity and Income

The BRRRR strategy presents significant benefits, including the rapid accumulation of equity and the generation of steady passive income . By purchasing underpriced properties and enhancing their value through strategic renovations, you can increase the property's worth substantially. Once these properties are rented, they begin generating income, which not only covers the mortgage and operating costs but also produces a profit. This process, when repeated, scales your portfolio quickly, diversifying your investment and minimizing risk while maximizing returns.

Source Prime Properties

Identifying the ideal property is critical for long-term success. Look for properties in up-and-coming neighborhoods where values are likely to increase, focusing on distressed homes that can be bought below market value. The property should have solid potential for renovation without requiring extensive structural changes, ensuring that the rehab costs stay manageable. Additionally, consider properties that are near desirable amenities, like schools, parks, or public transportation. Working with a local real estate agent from Brown Home Group can give you a competitive edge by accessing insider knowledge on the best investment opportunities in the area.

Streamline Documentation

Organizing your documents efficiently throughout the BRRRR process is crucial for tracking your project's progress and facilitating financial transactions or audits. By storing these documents as PDFs, you ensure they are both secure and easily accessible. If you need to compile reports or financial summaries, you can merge PDFs with this tool to consolidate documents effectively, enhancing the management and presentation of your investment documentation.

Finance Your Investments

Navigating the financing landscape is critical to the success of your BRRRR strategy. Initially, acquisition loans are common for purchasing properties that need rehabilitation. These loans often have favorable terms for investors looking to make quick updates and rent out the property. After rehab, refinancing allows you to pull out a significant portion of the property’s new equity based on its increased value, providing capital that can be reinvested into more properties. Each stage requires different financing solutions , so understanding the options available for acquisition, rehab, and refinance is fundamental.

Effective Rehab Practices

Rehabbing properties within the BRRRR framework should be efficient and cost-effective. Begin by setting a realistic budget that reflects the property’s improvement needs without overcapitalizing. Hiring skilled contractors who provide quality work at reasonable rates is essential. Effective project management, including timely ordering of materials and scheduling of tasks, ensures that renovations are completed on time and within budget, allowing you to rent out the property quickly and start generating income.

Tenant Management and Rental Strategies

Attracting reliable tenants and setting competitive rental rates are crucial for maintaining cash flow and ensuring the success of your BRRRR investment. Effective marketing strategies, thorough tenant screenings, and maintaining the property in excellent condition contribute to attracting tenants who will pay their rent on time and take care of your property. Setting rent at competitive yet profitable rates , considering both market conditions and the quality of the property, helps in achieving consistent rental income.

Refinancing to Maximize Returns

The refinancing step in BRRRR is where you extract equity from the property to reinvest. It's important to work closely with lenders who understand the BRRRR strategy and to prepare for the appraisal process meticulously. Ensure the property presents well to secure the highest possible appraisal value. A favorable refinance deal can substantially increase your investment capacity by freeing up equity that can be used to repeat the BRRRR cycle with new properties.

In navigating the BRRRR strategy, your focus should be on meticulous planning and execution at each stage. From careful property selection and savvy financial structuring to effective property management and strategic refinancing, each step is a building block toward achieving real estate investment success. By mastering these elements, you can optimize your investments, generate significant income, and progressively grow your real estate portfolio.

Ready to make your real estate goals a reality? Connect with Brown Home Group today to find the perfect property and start building your future.

Unlock your real estate dreams with Brown Home Group ,

Central Florida's premier team for buying, selling, and investing.

Keys to Tenant Satisfaction: Strengthen Relations With These Effective Practices

Thu, 22 Aug 2024 16:35:36 GMT

Image: Freepik

Keys to Tenant Satisfaction: Strengthen Relations With These

Effective Practices

Creating a positive tenant experience is crucial for fostering long-term, harmonious relationships in property management. When tenants feel valued and acknowledged, they are more likely to engage constructively and remain loyal to the property. Employing effective strategies that prioritize their satisfaction not only enhances tenant retention but also contributes to a smoother, more successful management process. Ensuring tenants feel heard and appreciated is key to building a thriving and supportive living environment. Learn more with this article from Brown Home Group

Clear Communication Is Key

Establishing reliable communication channels is fundamental to making tenants feel heard. Whether through email, phone, or a tenant portal, having consistent and accessible means for tenants to reach out fosters trust and transparency. Effective communication also ensures that important updates or changes are conveyed clearly, reducing the likelihood of misunderstandings. By being available and responsive, you demonstrate that tenants' concerns and inquiries are a priority, reinforcing their sense of being valued.

Well-Defined Lease Agreements

A clear lease agreement is essential to prevent confusion and disputes, setting expectations from the outset and outlining responsibilities for both parties. This clarity helps avoid conflicts and ensures tenants understand the terms. Using PDFs adds convenience, as they are easily shareable and maintain formatting across devices. Compressing a PDF file further reduces its size, making it simpler to share, store, and upload— check it out to learn more.

Regular Check-ins Show You Care

Periodic check-ins with tenants are a proactive way to ensure that they feel supported and valued. These check-ins can be formal or informal, depending on the situation. By initiating these conversations, you show that you are invested in their well-being and are willing to address any concerns before they escalate. Regular interactions also provide an opportunity to gather feedback and improve the living experience, fostering a stronger connection between you and your tenants.

Prompt Responses Build Trust

Addressing tenant inquiries promptly is a critical aspect of effective property management. When tenants know that their concerns will be handled swiftly, it builds trust and confidence in your management, leading to a stronger tenant-landlord relationship. Delays in response can cause frustration and a sense of neglect, which can negatively impact this relationship. By prioritizing timely communication, you reinforce your commitment to providing a positive, supportive living environment that fosters tenant satisfaction and long-term retention.

Personal Touches Make a Difference

Offering a personal touch in interactions can greatly enhance tenant satisfaction and contribute to a more positive living experience. Remembering birthdays, acknowledging milestones, or simply checking in on how tenants are settling in can make them feel genuinely appreciated. Personalized communication shows that you see tenants as individuals, not just occupants of your property. This approach fosters goodwill, strengthens relationships, and can lead to more positive interactions and long-term tenancies, benefiting both parties.

Feedback Enhances Engagement

Actively seeking feedback from tenants is a powerful way to ensure they feel heard. It demonstrates that their opinions matter and that you are committed to improving their living experience. Feedback can be collected through surveys , suggestion boxes, or casual conversations. Acting on this feedback, when appropriate, further solidifies their trust in your management. Engaged tenants are more likely to communicate openly and feel a stronger connection to the community you are fostering.

Building Community Creates Belonging

Fostering a sense of community among tenants contributes to a more positive living environment. Organizing social events, encouraging neighborly interactions, and creating shared spaces where tenants can connect all contribute to this sense of belonging. When tenants feel part of a community, they are more likely to be respectful, supportive, and satisfied with their living arrangements. This approach not only enhances tenant retention but also makes your property a more attractive place to live.

Prioritizing tenant satisfaction is fundamental to maintaining successful, long-term relationships in property management. When tenants feel genuinely valued, they are more likely to contribute positively to the community and remain loyal to the property. By consistently applying practices that make tenants feel heard and appreciated, you strengthen the overall tenant experience and foster a supportive living environment. This approach not only benefits the tenants but also enhances the overall success and reputation of your property management efforts.

Unlock your real estate dreams with Brown Home Group ,

Central Florida's premier team for buying, selling, and investing.

New Florida Law Means Massive HOA Changes

Wed, 05 Jun 2024 23:32:02 GMT

New Law Means Sweeping Changes for Homeowners Associations

Last week, Governor DeSantis signed into law a bill that is the most comprehensive change to how homeowners associations oversee their communities.

It is nearly 50 pages of new procedures, restrictions and compliance steps required of most homeowners associations in Florida.

It covers everything from websites to garbage cans, from violations on Christmas lights to commercial vehicles.

There are new requirements for board members, who must take a class on HOA management, along with complete continuing education every year.

In addition, earlier in the week, he signed a different HOA bill that covered hurricane improvements to homes and property of an HOA. It went into effect immediately, so HOAs need to set regulations for fuel tanks, generators and hurricane shutters very quickly.

Over the next few weeks, I will share more in-depth articles and videos on some of the more sweeping changes. Here are a few for you today.

HOAs Can’t Prevent a Permanent Generator or Fuel Tank Now

An association can regulate them, however!

Under the new Florida law, HB 293, HOAs can not prevent any homeowner from fortifying their property for hurricane season.

This covers a wide range of improvements from roofing systems to fuel tanks. While you can't prevent them from being installed, you can put various restrictions - like color or placement - to help them conform to community standards.

Plus, the law requires all HOAs to develop "hurricane protection specifications" for every structure in the community.

You can read more here.

Associations must have password-protected web portals

If you are an association with more than 100 homes, chances are you will need to have a significant upgrade to your community website by January 1.

The new law requires dozens of documents to now be stored in a web portal for seven years.

And, the association must provide a password and user name to the portal to every homeowner that wants those records.

You can read more here.

Denying Records May End With You In Jail

There are many new requirements for maintaining and providing public records.

For the first time, directors can be criminally charged if they deny or delay providing records for specific reasons.

It is more important than ever to have a strict policy on how to provide records to the community and those are followed explicitly with every single records request.

You can read more here.

HOAs can't prevent work vehicles from parking in driveways

Anyone involved with associations has probably seen some issues arise about commercial work vehicles. It is one of the more common issues that communities grapple with.

However, the state has now made it so that any vehicle under 26,000 pounds can be parked in a driveway.

To put that in perspective, a traditional school bus weighs less than that. Only the heaviest recreational vehicles would be in this category.

There are some steps you can take, such as requiring equipment to be removed, that can help.

Learn more about this issue here.

Navigating Homebuyer's Remorse in the Post-Pandemic Era: Essential Strategies

Tue, 30 Apr 2024 22:41:07 GMT

Navigating Homebuyer's Remorse in the Post-Pandemic Era:

Essential Strategies

The thrill of buying a new home can sometimes be shadowed by buyer's remorse, especially in these unpredictable times. It's essential to tackle this head-on with strategic steps to transform regret into satisfaction and stability.

Educating yourself about the market, assessing your financial readiness, and realistically evaluating your long-term goals can help mitigate these feelings. By proactively managing your expectations and preparedness, you can better navigate the complexities of home ownership. Brown Home Group shares more:

Become a Market Savvy Buyer

Before you even sign the papers, immerse yourself in the current trends of the real estate market. Understanding the nuances of mortgage rates, different types of loans, and what you’re committing to financially can shield you from unexpected disappointments. Equip yourself with the knowledge to make informed decisions that you won’t regret later.

Establish a Comprehensive Budget

Once you've stepped into the role of a homeowner, it's crucial to handle your finances with acute precision. Lay out a detailed budget that tracks every expense —from utility bills to maintenance costs. Recognizing where your money goes each month will help you identify opportunities to save and prevent any financial overextensions that could lead to regret.

Secure Your Home with a Warranty

Investing in a home warranty is a strategic way to guard against the financial impact of unexpected appliance repairs. It ensures that the costs of fixing major systems, such as your HVAC or refrigerator, don’t disrupt your budget.

Specifically, with a Florida home warranty , choosing a plan that includes coverage for air conditioning and roofing leak repairs is essential, which is vital due to the state’s heavy rainfall. This protective measure can significantly ease potential stress and financial burden from costly repairs.

Simplify Your Debts

Consider the relief that consolidating your debts could bring. By combining multiple debt payments into one, potentially at a lower interest rate, you not only simplify your financial management but also might reduce the overall strain on your budget. This approach can free up resources and lessen the weight of financial obligations tied to homeownership.

Protect Your Investment Legally

Don't overlook the importance of legal support when encountering challenges with your new home. Whether it’s a conflict with the seller or an issue that was undisclosed before the purchase, professional legal advice is crucial. This ensures problems are resolved with your best interests in mind , safeguarding your investment.

Explore Housing Alternatives

If your current home doesn’t meet your financial or lifestyle needs, it's wise to consider alternatives. Whether it’s downsizing to a more affordable space, relocating to a cheaper area, or even opting for shared housing arrangements, flexibility can lead you to more suitable and sustainable living situations.

Exploring different housing options can alleviate financial pressure and enhance your quality of life . Making such a change can also open up new opportunities for community engagement and personal growth, aligning more closely with your long-term aspirations and lifestyle.

Maintain a Positive Outlook

Dealing with homebuyer’s remorse requires not just practical solutions but also a positive mindset. Encourage yourself to stay optimistic and proactive. By focusing on solutions and improvements, you can shift your perspective from regret to one of control and possibility. Embracing this proactive attitude helps in dealing with the challenges head-on and turning them into opportunities for personal and financial growth.

Invest in Strategic Home Enhancements

If you decide that staying put is the best option, then make it count by investing in home improvements. Prioritize renovations that increase both the value and functionality of your home. Not only will these enhancements make your home more enjoyable to live in , but they will also contribute to its long-term market value should you choose to sell in the future.

Final Thoughts

Overcoming homebuyer’s remorse in the post-pandemic world involves a blend of strategic planning, informed decisions, and emotional resilience. By adopting these approaches, you can turn initial regrets into actionable steps that fortify your homeownership experience and ensure your home is a cornerstone of stability and joy in your life.

Focus on long-term goals and remind yourself why you made this significant decision, as this can reinforce your confidence in your choice. Each step toward resolving these concerns not only enhances your comfort but also builds a solid foundation for your future.

Author: David Dixon

Choosing Between a Starter Home and Forever Home: Making the Right Real Estate Decision

Thu, 18 Apr 2024 16:08:24 GMT

Choosing Between a Starter Home and Forever Home:

Making the Right Real Estate Decision

The decision to buy a home is a monumental one, often representing a significant financial commitment and a crucial step in life's journey. Whether one is a first-time homebuyer or considering an upgrade, the debate often centers on whether to opt for a more affordable starter home or to invest in what many term the "forever home." Each choice presents its own set of advantages and challenges. In this article from Brown Home Group , we thoroughly examine these options, providing valuable insights to assist in making an informed decision.

Organizing Housing Records

But first things first: irrespective of the choice made, efficient organization of housing records is paramount. With the digital age in full swing, converting vital documents to PDFs offers a secure, easily accessible means of record-keeping. One might need to scan a document periodically, ensuring that everything from purchase agreements to maintenance records is safely stored and easily retrievable.

Benefits of Purchasing a Starter Home

A starter home often acts as a gateway to homeownership for many. Its affordability makes it appealing to those eager to build equity without breaking the bank. Such homes offer individuals a chance to enter the housing market, positioning them for potentially higher returns in the future. Additionally, a starter home can be a stepping stone, allowing owners to benefit from equity growth that can later be used to upscale. It also provides an opportunity to understand the intricacies of homeownership without the weight of a hefty mortgage.

Drawbacks of Purchasing a Starter Home

Starter homes, while affordable, often have notable limitations. They may be located in less-than-ideal areas and typically offer limited space, which can be quickly outgrown with family expansion . Older properties may require more maintenance, and necessary upgrades or renovations can prove both costly and time-intensive.

Advantages of Investing in a Forever Home

On the flip side, investing in a forever home offers long-term stability – especially if you purchase it before retirement . These homes are typically in more desirable locations and offer ample space to cater to growing families or changing needs. The joy of personalizing and customizing a space to one's exact taste without considering future move-outs can be deeply satisfying. Moreover, there's a peace of mind in knowing that relocation might not be necessary, allowing for deep-rooted community connections and long-lasting friendships.

Disadvantages of Investing in a Forever Home

Nevertheless, forever homes aren't without challenges. The most glaring one is the high upfront cost , which can strain one's finances if not well-planned. The maintenance responsibility of a larger property can be overwhelming, both in terms of time and money. Additionally, the property taxes and insurance premiums are generally higher, potentially creating a long-term financial burden.

Financial Considerations

Before making any decision, it's vital to take an introspective look at one's finances. Understanding monthly income, scrutinizing existing debts, and gauging savings can provide clarity on which housing option is viable. A detailed budget forecast can also provide insights into future financial stability or potential strain.

Researching Mortgages

Mortgage considerations play a pivotal role in the home-buying decision. Various lending institutions offer an array of mortgage options with differing interest rates and terms. Thorough research can illuminate how much one can comfortably borrow and repay, ensuring that the dream of homeownership doesn't morph into a financial nightmare.

The choice between a starter home and a forever home is neither linear nor one-size-fits-all. It requires a blend of introspection, research, and forward-thinking. Prospective homeowners should meticulously weigh the advantages and disadvantages of each option, keeping in mind both immediate needs and long-term aspirations. By ensuring financial preparedness and aligning the decision with life goals, one can confidently select a path that not only provides shelter but also serves as a cherished space for memories and growth.

Whether you’re looking to buy or sell real estate, Brown Home Group is here to help! Feel free to email questions to Rick@brownhomegroup.com.

Author: David Dixon

A Practical Guide for Reinventing Yourself In A New City Post-Setback

Wed, 10 Apr 2024 21:15:20 GMT

A Practical Guide for Reinventing Yourself In A New City Post-Setback

When life throws curveballs that lead you to start anew in an unfamiliar city, it's an adventure that tests resilience and opens up a world of possibilities. Embracing this change requires a blend of courage, planning, and a positive outlook. This guide, courtesy of Brown Home Group , lays out essential strategies to not only survive but thrive in your new surroundings, ensuring a smooth transition into this exciting chapter of your life.

Dive Into Detailed Exploration

Immersing yourself in comprehensive research about your future home sets a solid foundation for your move. Getting to know the ins and outs of the local culture, the quirks of different neighborhoods, the dynamics of the job market, and the overall cost of living will equip you with valuable insights . This knowledge enables you to make informed decisions, ensuring a smoother integration into your new environment.

Ignite Your Passions

Online education doctoral programs offer the flexibility to pursue your passions and potentially switch careers while you continue working. Advancing your education through these programs opens doors to new opportunities in curriculum development and policy influence. You gain the ability to transform your career path while balancing professional commitments. For insights into harnessing this potential and shaping your future, click here for more info .

Establish Financial Security

Securing employment before your move can alleviate much of the financial stress associated with relocation. Landing a job ensures you have a steady income stream from the get-go, providing much-needed stability and peace of mind as you navigate your new life. This strategic move is crucial for a seamless transition, allowing you to focus on settling in and exploring your new city without the looming worry of financial insecurity.

Implement a Budget Plan

Budgeting becomes your indispensable ally, enabling you to manage your finances effectively throughout this transformative period. By crafting and sticking to a budget, you ensure that you're tracking your spending, saving for the future, and living within your means. This disciplined financial approach is crucial, particularly in the early stages of your relocation, acting as a safeguard against potential financial strain. It empowers you to navigate your new beginning with financial confidence and stability.

Cultivate Social Connections

Building a new social circle and engaging with your community can significantly ease the transition. Participating in local events, joining clubs, or getting involved with community organizations are excellent ways to meet new people , forge friendships, and feel a sense of belonging. These connections not only enrich your social life but also provide a support network in times of need.

Welcome New Experiences

Keeping an open mind and being receptive to new experiences are key to making the most of your new city. Whether it's exploring local cuisine, attending cultural events, or trying out activities unique to the area, embracing these opportunities can lead to enriching experiences and unexpected friendships. This willingness to explore and engage plays a pivotal role in your adaptation and overall happiness.

Nurture Old Ties

While venturing into new beginnings, it's important to maintain connections with your roots. Regularly communicating with family and friends back home helps in preserving these valuable relationships. Whether through calls, video chats, or visits, staying in touch provides a sense of continuity and support, reminding you that distance doesn't diminish the bonds you hold dear.

Make Self-Care a Priority

Amidst the hustle of moving and settling into a new city, it's crucial to prioritize self-care. Establishing routines that promote well-being , indulging in activities that bring joy, and seeking support when necessary are fundamental to your mental and physical health. This focus on self-care ensures you're at your best, ready to face the challenges and seize the opportunities your new life presents.

Embarking on a journey to a new city after facing setbacks is a path brimming with challenges yet rich with potential for personal growth and renewal. By adopting a strategic and open-hearted approach, you position yourself to transform these challenges into stepping stones towards a fulfilling life. Keep these strategies in mind as you navigate your transition, and remember, this chapter is an opportunity to craft a resilient, triumphant narrative of your own making.

Ready to find your perfect home? Get in touch with Brown Home Group today to talk about your needs!

Author: David Dixon

Tenant-Centric Property Management: How to Make Renters Feel Appreciated

Wed, 20 Mar 2024 22:28:03 GMT

Tenant-Centric Property Management:
How to Make Renters Feel Appreciated

The responsibility of a landlord extends far beyond merely providing a roof over someone’s head. It involves cultivating an environment where tenants feel acknowledged, respected, and well-cared for. Brown Home Group invites you to read on to uncover different techniques for nurturing solid and mutually beneficial relationships with tenants.

Foster Transparent Dialogue

Tenants value having a landlord who listens and acts upon their concerns. Initiate conversations and solicit feedback to make sure everyone feels heard .

When concerns or suggestions come up, make an effort to address them immediately. Demonstrating that you value their input can go a long way in building trust and ensuring a long-lasting relationship.

Be Clear in Policies, Rules

Ensuring that your rental policies and procedures are clearly communicated and readily available to tenants is a fundamental aspect of fostering a positive and respectful landlord-tenant relationship. The Network for Public Health Law notes that transparency in rules and expectations is essential for preventing misunderstandings and conflicts down the road.

By providing tenants with a comprehensive and easily accessible document outlining everything from rent payment methods to maintenance request procedures, you empower them with the knowledge they need to navigate their tenancy smoothly.

E-Signing Documents

Offering e-signing PDFs to tenants presents numerous benefits in today's digital world. Firstly, it significantly streamlines and expedites the document signing process, eliminating the need for physical paperwork and reducing administrative burdens. This not only saves time but also reduces costs associated with printing, mailing, and storing paper documents.

Additionally, e-signing PDFs enhance security through encryption and authentication measures, ensuring the authenticity of signatures and safeguarding sensitive information. Accessibility is another advantage, as signatories can e-sign documents from anywhere with an internet connection. If your goal is to add your e-signature for online forms , use an online tool that allows you to simply drag and drop a file, fill it out, and sign.

Prioritize Tenant Privacy

Respecting privacy is not an optional amenity but a fundamental requirement for tenant well-being. Net Integrity suggests taking proactive steps like providing sufficient notice before entering a tenant's space and installing state-of-the-art security systems to bolster this sense of privacy.

These measures contribute significantly to a tenant's sense of security and personal comfort. Ultimately, these actions enhance the quality of life within the rental property, enriching the overall residential experience.

Tailor Communication to Fit Tenants

It’s important to realize that what works for one tenant may not necessarily work for another. Tailoring your communication and service style to suit each tenant’s unique needs can set you apart from other property managers.

Personalizing interactions isn’t just good manners, it’s good business. This bespoke approach leads to a more profound bond between you and your tenants.

Timely Maintenance Is a Must

A swift reaction to maintenance issues like a dripping faucet or a faulty heater speaks volumes about your dedication to tenant well-being. Prioritize rapid response times for repairs to maintain the property at its best.

A meticulously maintained living environment is a tangible indicator of your commitment to tenant comfort. This level of care significantly boosts the overall satisfaction of your residents, and helps to keep your property value intact.

Cultivating Community Through Shared Activities

Chainels points out that cultivating a sense of community is a pivotal element in keeping tenants happy. Organizing frequent community activities, ranging from BBQs to holiday gatherings, creates opportunities for tenants to interact and forge connections.

These social settings not only bring residents together but also enhance their overall living experience. The added social component elevates the residential atmosphere, making it more than just a place to live, but a community to belong to.

Make a Strong First Impression with a Quality Brochure

One highly effective strategy for ensuring your renters feel heard, respected, and appreciated begins with the initial impression you make through your property marketing efforts. Crafting an enticing brochure can be a game-changer in this regard.

The pathway to tenant satisfaction is multifaceted, encompassing transparent dialogue, tailor-made interactions, an unwavering respect for privacy, and an urgency in addressing maintenance issues. By adopting these principles, you cultivate a living space that isn't just about habitation, but about mutual respect and appreciation. Such an environment is beneficial not just for the tenants but also creates a less stressful and more profitable experience for property owners.

Brown Home Group provides as much value as possible to our clients in selling, buying, or investing in real estate. Contact us today to learn more! (321) 348-8720

Orlando Law Scoop - Don't go to jail in 2024

Wed, 15 Nov 2023 23:27:34 GMT

We're here to help with your small business needs

Being an entrepreneur is one of the toughest things to do.

You spend your days building your business, dealing with employees, finding new customers and so much more.

You spend your nights worried about your business, your employees, your competitors and your clients.

The last thing you need is to worry about any legal issues facing your business.

I certainly understand. Yes, The Orlando Law Group is a small business, but I also own other businesses too. I have experienced the same worries and fears you have had.

Hopefully, I can help you with your legal issues to take some of the concerns off your plate and work with you on any issue your business might be facing.

One thing I want to make sure you know about is the Beneficial Ownership Information you will be required to file with the federal government next year. The penalties for not doing it are severe.

We focus on so many issues facing small businesses. We have experience with the following and so much more:

Contracts
Partnerships and succession planning
Trademarks and copyrights
Mergers and aquisitions
Human resources
Transactions
Litigation
Insurance

I hope you will reach out to me if you think there maybe an issue The Orlando Law Group can help you with. Our attorneys have worked with a wide range of business issues and can work with you too.

Sincerely,

Jennifer

Be Ready to File Your BOI – or Go to Jail

Next year, the federal government will be requiring businesses to increase the amount of reporting it provides. It is a new step that may catch businesses off guard as many businesses may not have even heard of the new types of disclosure.

But, if you own, invest or work for a small business, be ready to file your Beneficial Ownership Information to the federal government in January.

Not doing so could result in significant fines and possibly jail time.

That sounds scary, right?

It can be, but for most businesses, the actual act of filing this newly required information can be simple. Where it gets complicated is if your business is required and who you must disclose to the federal government.

Time to Adjust Your Payroll for Tipped Employees

But, if you own, invest or work for a small business, be ready to file your Beneficial Ownership Information to the federal government in January.

Not doing so could result in significant fines and possibly jail time.

That sounds scary, right?

Lessons for Small Business on Taco Tuesday

Over the summer, there was a very public battle over the phrase “Taco Tuesday.” Lebron James wanted the phrase. Taco Bell wanted the phrase. Restaurants around the country wanted the phrase.

Of course, the owners of the trademarked phrase “Taco Tuesday” didn’t want to give it up and had fought allowing others to use it for years.

Eventually, Taco John’s, which had a trademark on the phrase for decades, decided to release the trademark without a fight and now Lebron James, Taco Bell and your neighborhood food truck can use it legally in most places.

While it is highly unlikely your company will develop a tagline or marketing phrase that becomes as common of a term as Taco Tuesday, it does serve as an important lesson for any business: protect your marketing just like you would a trade secret, an invention or a unique differentiator.

Not doing so can cause a business significant issues in the future, ones that could be easily avoided.

Meet our

Business Law Attorneys

Jennifer Englert

Known for a caring heart, as well as a drive to make a difference, Jennifer Englert is the driving force behind The Orlando Law Group as it enters its second decade serving the Central Florida community.

Englert is the managing partner and founder of OLG. For over 22 years, she has focused on business disputes, business law, general civil litigation, special needs & education law, family law, personal injury, and real estate.

She has represented entities and individuals in both federal and state trial and appellate courts.

Erika De Jesus

Taught from a young age that hard work will lead to success, attorney Erika De Jesus grew up with parents who motivated her to be better everyday, which is something she carries with her throughout her career.

Erika is an enthusiastic, charismatic, and dedicated attorney, practicing in entertainment law, estate planning, probate, business law, as well as deeds and real estate issues.

De Jesus graduated from the University of Central Florida with her bachelor’s degree in legal studies and went on to receive her juris doctor degree from Barry University School of Law.

While studying for the bar exam, Erika acted as a Civil Litigation and Family Law Clerk, which reignited her passion for helping people and applying the law in innovative ways.

Adam Herman

Adam concentrates his practice in the areas of construction defect litigation, professional liability and property and casualty claims.

He has frequently served as defense counsel for contractors, subcontractors and professionals and has represented numerous corporations in commercial litigation matters, breach of contract, breach of the good faith and fair dealing, as well as violation of Florida’s Unfair and Deceptive Trade Practices Act.

Adam has also successfully tried many cases to verdict and has also argued before State and Federal Appellate Courts.

Orlando Law Scoop - HOA/COA Issue

Tue, 08 Aug 2023 19:09:17 GMT

Need help with your HOA? We are here for you

If you're like most people, you live in a community governed by an association.

You've probably paid homeowners' association dues. You may have spent time on the board, or just volunteering around the community. You might have had a bit of a battle over some improvement in your house.

While you may find them frustrating and wonder why you are paying dues, keep in mind, the best-looking and most desirable neighborhoods were kept that way through the work of their association.

At The Orlando Law Group, we specialize in working with associations for homeowners and for condominium owners. Remember, these organizations are some of the most regulated in the state with the Florida Legislature writing the hundreds of laws that cover these groups. We make sure you and your community are following these regulations.

I'd love to be a resource for you and help your community. If you're on the board of your neighborhood community, please reach out to me about assisting your community.

If you just own a home or a condo and just have a question about an issue with your community, please just reply to this email.

I'm here to help!

Sincerely,

Jennifer

Common Misconceptions about Homeowners/Condominium Owners Associations

Living in a community with a Homeowners Association or a Condominium Owners Association has its benefits as well as its drawbacks. No matter where you are from, we’re sure you’ve heard of some HOA or COA horror stories from a friend or family member.

Although these stories can be intimidating for those looking to purchase property within an HOA or COA, oftentimes, these stories are not necessarily the norm for all Associations.

In fact, while the vast majority of people living in a community Association are satisfied with their Association, according to a 2022 study by the Foundation for Community Association Research, there are many misconceptions about Associations perpetuated not only by homeowners or condominium owners but even by Association board members themselves.

HOA/COA Fees – Why Do I Have To Pay For Them, and Where Is That Money Going?

Many homeowners ask, why do I have to pay HOA or COA fees? And, where is that money going towards?

When you purchase property located within the jurisdiction of an HOA or COA, you become a member of that Association, responsible for paying community expenses called Assessments or, more commonly, referred to as HOA dues or fees.

These contributions are collected on a fixed time schedule (such as on a monthly, quarterly, or annual basis) to pay for standard maintenance and upkeep of the community’s facilities and common areas, as well as to improve the community by implementing new facilities and features.

The Ins and Outs of the Association Collections Process

Most Associations have the legal right to place a lien on a home or unit to secure the payment of past-due assessments.

To determine if your Association has this right, you will look to your Association’s Declaration of Covenants, Conditions and Restrictions. In the Declaration, there will be a section that details what happens if an owner is delinquent in the payment of assessment to the Association and it typically grants the Association the right to secure that debt by recording a lien against the owner’s property.

But what does this really mean? It means that an Association does not have to sit and wait for the sale of the property for the Association to get paid, as the Association can force a sale on the property.

Emotional Support Animals & Community Association Rules: What Does the Law Say?

Many Community Associations adopt rules and restrictions to limit pets within a community.

When purchasing a home, this can be especially appealing to those who suffer from allergies, those that have animal phobias, or those who just simply dislike animals in general because of the noise they make or the mess they sometimes leave behind.

However, it has been well established that service animals, “trained to do the work or perform a task for an individual with a disability, whether physical, sensory, intellectual, or other,” cannot be kept out of a community based on a Community Association’s “pet restriction policy.”

Meet our Real Estate Law Attorneys

Jennifer Englert

She has represented entities and individuals in both federal and state trial and appellate courts.

Jeffrey W. Smith

Jeffrey W. Smith’s life is a tale of two careers. The first chapter saw him serve our country as a machine gunner with the United States Marine Corps, then return and begin a civilian career as a facility / services technician with AT&T.

The second chapter saw him not only earn his bachelor of science degree, but also his juris doctor, enabling him to start a career in law.

Orlando Law Scoop - The Real Estate Issue

Mon, 10 Jul 2023 22:56:37 GMT

Why Hire an Orlando Law Group Real Estate Attorney?

The Orlando Law Group’s attorneys handle virtually all aspects of real estate.

We represent individuals by reviewing their leases as well as contracts. We also represent developers, contractors, lenders, and owners of commercial properties.

To start, why should you hire a real estate attorney?

First, hiring an attorney to handle your real estate matter will ultimately save you time and money. A real estate attorney will safeguard you, your clients and their investment by thoroughly reviewing all legal documentation, and handling negotiations. This keeps you and your clients informed throughout the process.

Hiring a real estate attorney can also give you clarity and peace of mind throughout the transaction. Having an attorney review all agreements and contracts and assist in negotiations will ensure the maximum level of transparency and comfort for your clients and can also grant you the peace of mind that your transaction is legally sound and has been reviewed thoroughly by a professional.

A real estate attorney also has valuable experience and knowledge from working in the field that simply cannot be recreated.

Lastly, hiring a real estate attorney can also expedite the process of your transaction significantly.

Hiring a Florida real estate attorney not only serves to protect each party’s interests but also expedites the entire process and helps to streamline the contract negotiation, the closing process, securing title insurance and communicating with lenders.

If you are even thinking you might have issues dealing with real estate law, please reach out to us as soon as possible by visiting our website and our entire section on real estate law.

At least take a few minutes below and learn more about what we can help you with.

Meet our Real Estate Law Attorneys

Jerrod Etheridge

Jarrod has been a part of The Orlando Law Group team since 2016, where he began as a paralegal and has gained experience in every aspect of the law firm.

He also has been volunteering with the Avalon Park Kiwanis Club for two years, and currently holds a seat as a board member.

Jennifer Englert

She has represented entities and individuals in both federal and state trial and appellate courts.

The Ultimate Home Renovations Guide: Tips and Insights

Mon, 19 Jun 2023 21:35:05 GMT

The Ultimate Home Renovations Guide: Tips and Insights

If you are a homeowner and have ever considered giving your home an upgrade, then you are not alone. Home renovations have been gaining popularity in recent years, as more people realize the benefits of making improvements to their living spaces. However, home renovations can be a daunting task, and without proper planning, it can quickly turn into a nightmare.

In this article shared by the Brown Home Group, we’ll cover the basics of home renovations, pros and cons, common types of remodels, and some practical tips for a successful renovation.

Pros and Cons of Home Renovations

Before embarking on a home renovation, it is essential to consider the pros and cons. Here are some of the factors to consider:

Pros

⦁ Increases home value: One of the significant benefits of home renovations is increasing the value of your house. A good renovation can boost the value of your home significantly, especially if you are planning to sell it in the future.

⦁ Personalization: Another advantage of home renovations is that it allows homeowners to personalize their living spaces. You can express your personal taste and style and create a unique space that fits your lifestyle.

⦁ Improved functionality: Home renovations can also improve the functionality of your space. For example, remodeling your kitchen can create more storage space, allowing you to be more organized.

Cons

⦁ Cost: Home renovations can be expensive. Even a small renovation can quickly add up, and it's crucial to have a budget before starting the project.

⦁ Time-consuming: Home renovations can take time, especially if it's a significant remodel. Be prepared to manage your time carefully, and consider temporary living arrangements if necessary.

Common Types of Home Remodels

There are several types of home remodels, ranging from minor updates to significant renovations. Here are some of the most common types of home remodels:

Kitchen Remodels

Kitchen remodels are some of the most popular home renovations, and with good reason. The kitchen is the heart of the home, and remodeling it can significantly increase the value of your home. Some kitchen remodel ideas include updating the cabinets, installing new appliances, and replacing outdated countertops.

Bathroom Remodels

Bathroom remodels are also popular, and they can significantly improve the functionality of your bathroom. Some bathroom remodel ideas include upgrading the shower or bathtub, replacing old tiles, and installing new fixtures.

Room Additions

If you require additional living space, room additions could be an excellent option. Room additions can include anything from adding a new bedroom to creating a home office.

Outdoor Living Spaces

Outdoor living spaces have become increasingly popular in recent years. Outdoor living spaces can improve your home's functionality and increase its value. Some outdoor living spaces include outdoor kitchens, patios, and decks.

Clearly Define Your Desired Outcome

Before starting any home renovation project, it's essential to have a clear idea of what you want to achieve from the renovation. Clearly defining your desired outcome will help guide you through the renovation process and ensure that you stay on track.

Some essential questions to ask yourself include:

⦁ How much am I willing to ⦁ spend on the renovation?

⦁ What is the ultimate goal of the renovation?

⦁ What style and design do I want for the renovation?

Use a Home Maintenance and Repair App

Using a home maintenance and repair app can help connect you with professionals for all of your home renovation needs. For example, this home management app puts experts in your hand; you can find pros for everything from painting to plumbing. The app provides a simple and hassle-free way to find a professional for your home renovation needs.

Apply for a Home Improvement Loan

If you need additional financing for your home renovation project, consider applying for a home improvement loan. A home improvement loan is a type of loan that you can use to finance your renovation project. You can find home improvement loans from banks, credit unions, and other financial institutions.

Keep Track of All Expenses

It's essential to keep track of all of your expenses during your home renovation project. Maintaining a budget and sticking to it will help you avoid overspending. You can use a budgeting app like Mint to keep track of your expenses and set up alerts when you go over your budget.

Home renovations can be a great investment, but it's crucial to plan and budget accordingly. Always define your desired outcome and work with professionals to ensure high-quality work. By following these basic tips, homeowners can have a successful home renovation project.

If you’re in the market for a new home, Brown Home Group can help you find exactly what you want. Contact us today by calling (321) 348-8720.

David Dixon
David@neighborhoodweek.org

How To Stay on Top of Paperwork as You Sell Your Home

Tue, 09 May 2023 22:19:58 GMT

Buying or selling a home is an exciting process, but it can also be overwhelming with all the paperwork involved. To help make things easier, contact the Brown Home Group. We've compiled a list of tips and tricks to help you keep up with the paperwork during the home buying and selling process.

Gather Your Documents

Gathering the necessary documents is the first step when buying or selling a home. This includes tax returns, bank statements, and pay stubs. Having all of these documents organized before beginning the process will ensure that everything goes as planned and there are no delays at closing.

Take Note of the Timeline

It’s important to document the timeline for each step of the home buying and selling process so you know when key deadlines are due. This will help you stay organized and on top of any deadlines that need to be met in order for the transaction to go through without any issues. Additionally, crosscheck any deadlines with your real estate agent or lawyer so you can be sure they are accurate.

Keep Documents Updated

Regularly updating relevant documents throughout the home buying and selling process is an important step to take. Doing so ensures that all information is current, which can be invaluable if any last-minute changes or updates are needed prior to closing on a sale. Keeping up with document updates will save you time in the long run.

Digitize Documents

In today's digital age, it is important to digitize documents into PDFs so they can be easily shared between parties in any transaction. With the help of a PDF merger, multiple documents can be combined into one single file, making them more accessible when needed. You can convert them with ease from other file types, as well, and store them securely for future reference.

Switch to Digital Banking

Online banking services make it much easier to transfer funds between parties than traditional methods such as cash or check payments. This is an advantage that offers convenience, security, and efficiency in money transfers. Some banks also offer additional services such as wire transfers, which enable money to move from one account to another quickly and securely.

Easily Locate Physical Files

Color-coding your files is a great way to stay organized and find things quickly during this stressful time. Not only does it help keep everything in one place, but it also makes sure nothing gets lost in the shuffle. Having easy access to important files is essential, so take the time to color-code them for convenience.

Set Deadline Alarms

Setting reminders is an important part of staying organized during the home buying and selling process. Key deadlines come and go quickly, so setting reminders ensures that you are always up-to-date on all the necessary information. Online calendars and phone apps are perfect for staying organized with tasks.

The paperwork involved in buying or selling a home can seem like a lot at first glance but by following these simple tips and tricks, you can make sure everything gets done quickly and efficiently. Keeping track of necessary documents, digitizing them, and setting reminders about key deadlines — these are just best practices that will put you at ease.

Moving and Starting a Business?

Fri, 14 Apr 2023 19:58:34 GMT

Moving to a new city is an exciting time, but it can also be stressful if you’re trying to start a business at the same time. There are many things to consider when starting a business. To help make this transition smoother, here are some tips from Brown Home Group that will help you successfully move and start your business.

Get Your IT Bachelor's Degree Online

Before starting your own business, it pays to have a good understanding of technology. Earning an online bachelor's degree in IT will give you the skills and knowledge you need to not only run your business professionally but also protect it from security breaches or other malicious activities. This page deserves a look if you're interested in returning to school online. An online degree program makes it easy to earn a degree when it works best for you.

Qualities To Look For In A New House

Moving for business can be a difficult process, with lots of factors to consider. When relocating, it is important to make sure the area meets all of your needs, from commute times to the cost of living and nearby amenities. Research the area thoroughly before deciding whether you should purchase or rent a property there.

Steps of Purchasing a House

When it comes to buying a home, understanding the process is key. Pre-approval loans, working with real estate agents such as those from Brown Home Group , and attending open houses are all steps you must take in order to make an informed decision. Taking the time to understand the home-buying process will save you time and money in the long run.

Keep Your Contact Info Up to Date On Your Website

Moving can be stressful and time-consuming, but it is important to update your contact information on all of your website pages and social media accounts. By updating these channels with your new address, customers will know where to reach you after relocating and can continue doing business without interruption. Keeping this information up-to-date keeps the flow of business smooth for everyone.

Establish A Budget

Creating a budget is essential for any kind of business venture. Knowing your income and expenses gives you an idea of profit or loss for each purchase or service. Developing a budget plan helps manage finances better, providing stability and security when running day-to-day operations or dealing with unexpected costs.

Having the Necessary Materials at Hand

As you prepare for your move, it is crucial to remember any materials that pertain to your business. This includes documents about taxes, contracts with clients and vendors, etc. Make sure all of these important items are kept together, in a marked box or stored digitally on cloud storage solutions for easy access. Doing this will ensure a smooth relocation process.

Create an LLC

Designating your business as an LLC is essential for protecting owners from personal liability in case of legal troubles. It also guarantees tax benefits, allowing entrepreneurs to save money on their yearly taxes depending on individual situations. These advantages make LLC designation an important asset when starting up a new business or venture.

Think about Buying a House "As Is"

When looking for a home, purchasing one that needs minimal renovations can save both time and money. This is especially important if there are urgent tasks that need to be taken care of before you can officially move in. Buying any type of property “as-is” may require extra effort, but could reward you with unexpected benefits if the purchase goes off without a hitch.

Starting a new business can be an intimidating task, especially when having to relocate. Luckily, there are some great tips to ensure the transition is seamless — from getting an online bachelor's degree in IT to researching the best home for your situation and understanding the home buying process. Following these steps will help guarantee success despite the goals you set.

Easy Living: Advice for Accessible House Hunting

Tue, 05 Jul 2022 17:49:00 GMT

When it comes to accessible housing, it’s important to be informed. Whether you’re a senior citizen, a veteran or someone with a disability, research is key for ensuring that your move is straightforward and cost-efficient. Here are some things to consider.

Home Buying

Before you can even begin the process of searching for an accessible property, you need to ensure you have all the correct documentation. This means gathering together proof of income or housing/disability benefits, to prove your viability as a tenant. You may find that you need assistance funding a move — if this is the case, you can look into nonprofit and federal programs via the U.S. Department of Housing and Urban Development ( HUD ) or apply for help with Volunteers of America who develop affordable housing across the nation, including those with accessibility issues.

Your physical requirements will play an important part in deciding what kind of accessible housing is right for you. You may need wheelchair-friendly doorways, ramps, grab bars, reinforced walls, or even properties with smart technology installed so that you can control lighting and other features whilst sitting down. Before reaching out to a realtor, be sure to carry out plenty of research into the local market to ascertain whether properties in Clermont and its surrounds offer the right features and whether now is a smart time to buy. Once you’re ready, reach out to the Brown Home Group to begin the home buying process.

You will likely be purchasing your home with the aid of a mortgage . A mortgage is a loan for the purpose of purchasing real estate, and there are a variety of mortgage products available for buyers of different qualifications. Each mortgage will have its own term and rate, which dictate the payoff timely and cost. Your lender will be happy to walk you through the process of mortgage qualification.

Modifications

Sometimes, it makes more financial and logistical sense to move into a non-accessible property and install modifications yourself. The viability of this option will again depend upon the nature of your disabilities, but in some circumstances, it can prove to be more affordable and won’t inconvenience you. The Internal Revenue Service (IRS) may even offer a tax break on modifications that are bracketed under medical expenses and that exceed 7.5% of adjusted gross income. Alternatively, you could look into federal or non-profit home repair grants designed specifically to help those in your situation.

It’s important to acquaint yourself with the many available options for home modifications. In the last few years, disability assistance has come a long way with consistent flooring, glides, stairlifts, rubber-backed rugs, and supplementary light systems all benefitting from leaps in design and technology. Some of these, however, encompass the home structure itself and cannot be installed easily — in cases such as these, you may need the assistance of a construction company that will take your physical conditions into account.

Moving In

The process of moving can prove costly and you’ll need to budget early so you can afford a moving company. This is (hopefully) a one-time event and so it’s important to read plenty of online reviews and look at the available options in your local area to ensure you get the exact right organization. A good moving company is worth its money and can be the difference between a chaotic, stressful process or one that feels organized and systematic.

Once you’ve found someone to do the lifting, it’s time to handle the rest of things from your end. This can mean sorting through possessions, packing, and preparing any pets for travel. It can be daunting to move to a new location but a good way to think about it is as an exciting new chapter in your life. After all, you’re aiming to move into a more comfortable, accessible space.

Searching for an accessible home is a unique process and one that requires plenty of research. Make sure you know yourself and the market before you commit to any major decisions.

The Brown Home Group @ Keller Williams Advantage II have been working hard. Each of our full-time, licensed Realtors are committed to reaching your goals of selling your home for top dollar or purchasing your dream home. For more information, please visit our website or contact us today!

Buying Vs. Renting Real Estate: What’s Better?

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 05 Oct 2021 14:19:54 GMT

Make the most of the season by following these simple guidelines

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 30 Aug 2021 12:07:21 GMT

The new season is a great reason to make and keep resolutions. Whether it’s eating right or cleaning out the garage, here are some tips for making and keeping resolutions.

Make a list

Lists are great ways to stay on track. Write down some big things you want to accomplish and some smaller things, too.

Check the list regularly

Don’t forget to check in and see how you’re doing. Just because you don’t achieve the big goals right away doesn’t mean you’re not making progress.

Reward yourself

When you succeed in achieving a goal, be it a big one or a small one, make sure to pat yourself on the back.

Think positively

Positive thinking is a major factor in success. So instead of mulling over things that didn’t go quite right, remind yourself of things that did.

Keep in touch with site visitors and boost loyalty

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 30 Aug 2021 12:07:21 GMT

There are so many good reasons to communicate with site visitors. Tell them about sales and new products or update them with tips and information.

Here are some reasons to make blogging part of your regular routine.

Blogging is an easy way to engage with site visitors

Writing a blog post is easy once you get the hang of it. Posts don’t need to be long or complicated. Just write about what you know, and do your best to write well.

Show customers your personality

When you write a blog post, you can really let your personality shine through. This can be a great tool for showing your distinct personality.

Blogging is a terrific form of communication

Blogs are a great communication tool. They tend to be longer than social media posts, which gives you plenty of space for sharing insights, handy tips and more.

It’s a great way to support and boost SEO

Search engines like sites that regularly post fresh content, and a blog is a great way of doing this. With relevant metadata for every post so search engines can find your content.

Drive traffic to your site

Every time you add a new post, people who have subscribed to it will have a reason to come back to your site. If the post is a good read, they’ll share it with others, bringing even more traffic!

Blogging is free

Maintaining a blog on your site is absolutely free. You can hire bloggers if you like or assign regularly blogging tasks to everyone in your company.

A natural way to build your brand

A blog is a wonderful way to build your brand’s distinct voice. Write about issues that are related to your industry and your customers.

Tips for writing great posts that increase your site traffic

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 30 Aug 2021 12:07:21 GMT

Write about something you know. If you don’t know much about a specific topic that will interest your readers, invite an expert to write about it.

Speak to your audience

You know your audience better than anyone else, so keep them in mind as you write your blog posts. Write about things they care about. If you have a company Facebook page, look here to find topics to write about

Take a few moments to plan your post

Once you have a great idea for a post, write the first draft. Some people like to start with the title and then work on the paragraphs. Other people like to start with subtitles and go from there. Choose the method that works for you.

Don’t forget to add images

Be sure to include a few high-quality images in your blog. Images break up the text and make it more readable. They can also convey emotions or ideas that are hard to put into words.

Edit carefully before posting

Once you’re happy with the text, put it aside for a day or two, and then re-read it. You’ll probably find a few things you want to add, and a couple more that you want to remove. Have a friend or colleague look it over to make sure there are no mistakes. When your post is error-free, set it up in your blog and publish.

Spring 2020 Real Estate Market: How it helps you!

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Fri, 24 Apr 2020 12:24:46 GMT

Obviously when there is a pandemic occurring that has shut down millions of businesses, laid off millions of Americans, and ultimately defined the turn of our economy, it may seem like the worst time to be moving around or risking any finances. Believe it or not, the Spring 2020 real estate market is your window of opportunity! Now, this window will work perfectly for some people and not at all for others, so the important part is to identify whether this is a good time for you or not! Speak to your Brown Home Group agent for advice on what to do.

Buyers

For those who have considered buying a home or were in the process in the past 3 months, now is not the time to give up! We highly recommend you speak with your lender to see what options you have and what changes have been made in the mortgage industry. Considering many Americans are losing their jobs or getting reduced paychecks, most banks and lenders are increasing their requirements to ensure that we avoid having another 2008-like recession. This includes income standards, credit score, employment type, etc. The banks may be making it harder for people to get mortgages, however, those who qualify will still get amazing rates and be able to take advantage of certain programs.

On top of being able to achieve good mortgage rates, buyer’s will have less competition when shopping for homes. As a highly qualified buyer, you will qualify for more, get better rates, and have a stronger chance in the case of a multiple offer situation. Keep this in mind if you want to wait until everything is back to normal, because by that time the market will be flooded with buyers competing to snag a home.

Sellers

As for home owners who have considered selling, this time of uncertainty might just be your opportunity to cash in on your investment! Since late last year, we’ve seen the Orlando Real Estate Market struggle with inventory. Buyers are at the mercy of the sellers because there are thousands of buyers looking in the city, and no where near the same amount of housing available. One thing we’ve seen since January, is the average sale price of homes go UP and the days on market have gone DOWN. This idea of the market getting even better is insane, but these are the facts.

If selling your home has been on your mind in the last year, we encourage you to seek consulting from your Brown Home Group agent. We want to help you get the most money for your house and guide you to your next destination without you lifting a finger.

With the current state of the market, we’re confident that homes will sell in a matter of 30 days or less, considering the abundance of buyers in the market. Homes are selling at an average of 98% of the listing price, which is a rise we’ve seen over the past few years, meaning you can more than likely getting exactly what you want and need from the sale of your home to allow you & your family to move on to a new chapter.

Conclusion

We understand the fear surrounding the current state of the world and the economy, but as of now, there is still a massive benefit for both buyers and sellers in the real estate market. Now is the time to take the first step by reaching out to the Brown Home Group at 321-348-8720.

Written By:

Blaine Wyker

Brown Home Group @ Keller Williams Advantage II Realty

Mortgage Forbearance v.s. Deferment: How can it help you?

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 15 Apr 2020 12:22:49 GMT

Needless to say the COVID-19 pandemic has taken it’s toll on the world as a whole. Millions of people are now unemployed, struggling to pay bills, and trying to keep their families indoors and safe. Now the question is, how do we protect ourselves financially??

As far as homeowners are concerned, you may have a good chance at protecting yourself. The rate of requests for delayed mortgage payments skyrocketed over 2000% within the last couple weeks. That’s absolutely insane!! Many Americans are able to apply for mortgage deferment or forbearance which allow the borrower to not make payments for a period of time, but what’s the difference and how does it effect you?

Mortgage Deferment

Deferment is different in the sense that after the period of time you have negotiated with your bank to not pay, you can setup a payment method with them or add outstanding amount to the end of your loan. This is usually a much easier process because you do not need to pay the bank back in full, and your mortgage is forgiven for a few months.

Mortgage Forbearance

With Mortgage Forbearance, you are usually expected to pay back the outstanding balance in a lump sum. Most banks only use forbearance when in a scenario of the borrower being late on payments, and will agree to not foreclose during the forbearance period! This is huge for those who have lost their jobs due to the current pandemic.

Conclusion

Whether you choose deferment or forbearance is going to be between you and your lender. But make sure to use this information to help you negotiate with your lender a period of time that you can not make payments, if you’re one of the millions effected by the virus.

If you have any questions in regards to buying, selling, refinancing, or applying for deferment/forbearance, please reach out to us and we can get you the information you need!

Brown Home Group @ Keller Williams Advantage II Realty

321-348-8720

Resources:

Florida Realtors Association.

Virtual Reality: How It’s Changing Real Estate Today.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 02 Apr 2020 12:20:24 GMT

Virtual Showcase

When looking for a forever home, and you have a list of favorite properties the next step is to go and see these homes in person. With all of the changes going on in the world right now, going to see a home is next to impossible. Virtual Reality technology is the solution to these issues, giving access to clients to view a property without leaving their homes. When you put on a VR headset you can be fully immersed in the home without actually being there. This experience is 3D and can give you a closer look into a property that you are interested in without compromising your health and the health of your family. Even after the pandemic, Virtual Reality tours are cost-effective and time-saving alternatives. Don’t have access to VR goggles? You can still go on a 3D virtual tour on your computer at home! With the virtual tour, you can click around the home to enter different rooms and areas to get a closer look.

Staging

When showing a home, the sellers have already started moving out, or have packed up a majority of the furniture and decor leaving the home empty and flat. For sellers, if you want to get a jump start on moving out, paying to stage your home can get expensive. Virtual Reality is an amazing way to market a home without being too costly. Certain companies offer virtual staging services to agents that will allow the home to look like it’s fully furnished in a chic and sophisticated way.

Architectural View

If you are looking for a home or if you have a client that is interested in a new build, it can be hard to commit or market that property. Of course there, are drawn up sketches and models of what the home will look like EVENTUALLY, but there’s not much you can get from a sketch. Using VR gives you a 3D model that showcase the property, neighborhood, and development that will help you get a better idea of what the home is going to look like once the building is complete. This technology can also be used for the inside of the potential build as well.

Tenant Instructions

If you have investment properties, it’s important that you are in constant communication with your current tenants. It’s even more important when selling or renting out the property, that the real estate agent can get into contact with tenants when showing the home. It can also become a hassle to have to constantly check your phone to let the tenant know how to operate the dishwasher or change the setting on the washing machine. VR technology helps owners keep in communication with tenants with virtual tours of the home. This touring experience allows people to fully understand the ins and outs of the home including how to operate utilities and eliminate the struggle of contacting each other in a timely manner. This aspect improves the satisfaction of the tenant, owner, and agent.

Virtual Styling & Sales

So, with the 3D tour and virtual staging aspects, clients can make changes to the look and style of the home to fit their personal taste. While on the tour, they can make changes to the interior by going to the online store and choosing different furniture options. When clients make these changes They can better imagine themselves in the home and allow them to make decisions easier. Even if the client doesn’t make any virtual changes and they like the way home is decorated, they can purchase the furniture

Written By:

Brown Home Group @ Keller Williams Advantage II Realty

Alyssa Brown

How You Can Still Buy/Sell a Home with the Spread of COVID – 19

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 26 Mar 2020 11:16:23 GMT

Finding your forever home

It is no surprise to many that times are getting tough. People are getting laid off, businesses are shutting down, hundreds of thousands in quarantine, and much more with the spread of COVID-19. Many government entities are starting to implement mandatory quarantine and requiring people to stay at home. This is not a problem we haven’t yet faced before, this is just another virus that we are going to have to face head on. Here at the Brown Home Group, we are committed to helping our clients and anyone else with real estate needs , even through these times of uncertainty. It is essential that we do everything possible to help curve the spread of this virus, and we are doing everything possible to protect ourselves, our family, and our community!

Virtual Tours

As one of the top real estate teams in Orlando, we have invested in a tool that will allow us to create a 3D virtual tour for those who are interested in our listings. We will be able to tune in with you via a Zoom call or phone call to answer any questions or concerns you may have. With these 3D tours, you’re able to get a 360 view of each room and hallway, this includes bedrooms, bathrooms, kitchen, laundry room, interior/exterior, and more! This is the next best thing to viewing a home in person. Doing these virtual tours are going to help us stop the spread of COVID-19.

Virtual Consultations

As easy and common this may sound, it is something we are going to implement more often. Instead of meeting up for food or coffee, or taking our clients into homes for a private tour, we are going to be available virtually for video and phone chats to keep ourselves socially distanced. This is beneficial for our agents AND our clients. We want to make sure that if anyone is feeling sick, we stop the chance that we spread it through each other, this allows us to still communicate effectively while keeping our clients and families safe. It is important to talk to your agent about which form of virtual communication works best for both of you!

Remote Closings

Luckily, in today’s age, we have the technology to do practically anything from the comfort of our own homes. To comply with CDC guidelines, a lot of banks, attorneys, and title companies are asking their staff to work from home. This will impact the way a closing is traditionally performed, so we can protect everyone from the spread of COVID-19. Most companies are either mailing the documents to be scanned and sent back or are allowing remote closings via electronic signatures. While this may be a more difficult process, you can rest assured that your real estate agent and your lender will be allowed on a video call with you and title to help guide you through.

Open Houses

Now, open houses may sound like the last thing you want to go to when there is a virus sweeping across the world. While this is a more risky form of searching for homes, we assure you that we also follow CDC guidelines. Each open house will be manned by at least 2 agents, one regulating who comes in and out as well as helping with sanitation, the other will be inside the home, showing our guests the property and answering any questions they may have! We keep on gloves at all times, as well as provide hand sanitizer to each guest. The first thing we do to setup is to disinfect all surfaces and doorknobs. Each of our open houses will have preventative measures taken at all times.

We can ensure that through these hard times, it is still a great time to keep looking at homes and even sell your home! It is our responsibility to make sure you are taken care of and you can search for your next home safely. If you’re still interested in buying or selling at this time, do not hesitate to call us and schedule your virtual tours, open houses, etc.

Written by:

Brown Home Group @ Keller Williams Advantage II Realty

Fighting COVID-19: Protecting Ourselves

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 17 Mar 2020 11:12:52 GMT

Update on Coronavirus

As we all know, right now is a very hectic time for not only the United States but the entire world. A couple weeks ago, a new flu-like virus, called COVID-19, spread throughout China and started to reach other parts of the world. At this time, we are now in a pandemic. States, countries, businesses, and governments are starting to shutdown and enforce curfews and quarantines to protect those who do not yet have the virus and to stop the spread of it. While everyone else is shutting down, we plan to stay hard at work to go above and beyond for our clients, but that’s not without taking major precautions to stop the contraction and spread of the deadly COVID-19.

How It Spreads

In order to understand how to fight the virus, it is essential to understand how it spreads. Keep in mind that this is a flu-like virus, which means it can be very, very to contract. There are two major ways for you to get COVID-19, both of which are extremely hard to stop, which is why many organizations and governments are encouraging self-distancing and quarantines. One of the common ways to become contaminated is through respiratory droplets. Respiratory droplets are usually come in contact with when someone who contains the virus coughs and/or sneezes, this allows contaminated respiratory droplets to float through the air. If you are within 6 feet of someone who coughs or sneezes, it is possible for these droplets to land in your mouth or nose allowing you to inhale the droplets into your lungs. If these droplets contain the COVID-19 strain, you will likely contract the virus. Another more common way is through touch. If someone sneezes or coughs into their hand without washing afterwards, and they shake your hand, you will likely be infected once you touch your face or mouth.

This is the reason this virus is so dangerous. These two main sources of contraction, have a high likely hood of happening on a daily basis, between millions of people. Since it is so easily spread, there are tons of precautions that every individual should take!

Protecting Yourself

With the current situation, there are steps you must take in order to protect yourself from this deadly virus. The best thing you can do is wash your hands, A LOT! While most people know this rule, it’s important to remind you that you should wash your hands with soap and warm water for at least 20 seconds. This should be top of mind after you shake hands, touch public surfaces such as door handles, or if you come in contact with someone or something that could possibly contaminated.

If soap and water are not readily available, make sure you carry around hand sanitizer that has at least 60% alcohol in it. Even if you have either of these things, you should make sure to refrain from touching your eyes, nose, mouth, and ears. The CDC also recommends you stay at very least 6 feet from other people. You may hear this be considered “social isolation”.

Protecting Others from COVID-19

Now since the COVID-19 virus is so easily spread, you’re not the only one you should worry about. According to the CDC , a host of the virus may not see the symptoms until 2-14 days after they were exposed. The biggest issue is that even if you are a host of the virus, you may not see the symptoms for a while but you’re still contagious.

These symptoms can include the following:

coughing
fever
shortness of breath

If you see any of these symptoms, even if they may not be the virus many are scared of, it is still wise to stay inside and not come in contact with others. The next pre-caution to take is to cover all sneezes and coughs with some type of disposable cloth. After coughing or sneezing, you should throw away the cloth and proceed to wash your hands with soap and water for 20 seconds, as mentioned above.

You should consider wearing a face mask as well if you are sick in any way. Whether it be the COVID-19 or a common flu, you will want to protect others from contracting any sickness by using a face mask to block any respiratory droplets from infecting others. If you are not sick, you may not need to wear a face mask unless you are caring for someone who is.

The best precautionary action is cleaning and disinfecting. We all have to put aside time for a “spring cleaning”, you might as well take this time to quarantine yourself and clean the entire house! Make sure to not only clean, but also disinfect each surface as well. Surfaces to pay attention to are door handles, light switches, tables, desks, keyboards, sinks, etc. Anything that you or a guest may touch frequently should be cleaned as if it had COVID-19

Conclusion

At the end of the day, we all need to do our part to help stop the spread of the deadly COVID-19 virus. Not only are we responsible for ourselves but we are also responsible for helping others to not contract the virus as well. If we all do our part, we may see the end to this quite soon. As of now, we do not have any update on shut downs or curfews, but we will update our community as we receive them.

Sources:

https://www.cdc.gov/coronavirus/2019-ncov/prepare/prevention.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fabout%2Fprevention.html

https://www.healthline.com/health/coronavirus-transmission#protection

https://www.cdc.gov/coronavirus/2019-ncov/symptoms-testing/symptoms.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fabout%2Fsymptoms.html

Written By:

Brown Home Group @ Keller Williams Advantage II Realty

Blaine WykerThe body content of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source.

Moving with Pets: Containing the Chaos

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 04 Mar 2020 13:53:34 GMT

Dog on Welcome Mat

We all know how pets can be. Whether your fur friend is feline or canine, we can all relate to the stress it brings! Not only are you stressing over planning the move, getting everything packed, being in on time, getting utilities turned on, and more, but your family pets are also stressing over not knowing where they’re going, all of their stuff is being removed, new environments, etc.

With experience in moving with pets, we’ve decided to put together a little guide to make it much easier for you to relocate with your pets and containing the chaos!

Preparation

Like anyone or anything, your dog is going to need a little bit of prep work. You may have noticed that when you’re packing for a trip, your pets will get a bit nervous or anxious when they see the suitcase come out and things put inside of it. Now how do you think they will feel if the WHOLE HOUSE is being packed up?! Some experts suggest that you should setup boxes and suitcases ahead of time to allow your dog time to cope with what is going on.

Start training them now. If you’re moving somewhere that they may have a different set of rules or different schedule, you’ll want to get them started on recognizing and abiding by these rules and schedules. For example, if they won’t have doggy door access, you’ll want to get them on a bathroom schedule for when you’re available to let them out at all times. Another good idea, is to get them used to the new place. In most cases you cannot put your dog in the new home until closing day, but you can take them on walks around the new neighborhood, simulating new noises, meeting new people, etc. You’re going to want to prep them for travel as well, most dogs won’t want to be forced into a crate or bag, so we suggest that you prepare your dog to be put into a crate and travel in a car.

Once you’re in your new home, you are going to want to do a few things. You’re going to want to check with the county or city and see what permits or licenses you may need or if they have breed restrictions/laws. After you’ve done those things, finding a new vet is priority! Look through the reviews on local veterinarian offices or ask for recommendations on social media. It’s recommended to also microchip your dog and/or get them a collar with a tag that states your name and phone number!

Moving Day

On moving day, things can get rough if you’re not prepared. Make sure to pack your dogs essentials, especially if you’ve got a long move. Pack things like their favorite toys, water, food, treats, bedding, etc. Always make sure they have quality ventilation in the crate or bag you put them in for the ride, maybe even include a bone or toy to keep them occupied. If you’re dog frequently needs to urinate or has a lot of energy, map out your route and see where all of the possible rest stops and doggy parks are. This will make moving with pets much easier on you and your pup.

The New Home

When you finally get to the new place, you will run into issues when moving with pets. One of the biggest issues with a move is the animal getting used to the new place. Being in a place that they’ve never been can cause them to act out, not sleep, be very anxious, and sometimes even be aggressive. The best thing to do according to experts is to not clean the house immediately, because the smell of the old home will travel with your belongings, allowing your dog a sense of peace and familiarity. It’s helpful to setup your home as close to the old one as possible so the dog recognizes the home as it’s own.

Try to dog-proof all areas of the home that you don’t want the dog to be allowed in with gates, fences (outdoors), leashes, etc. Leashes can be used very wisely for guiding your pets around the home or outdoors where they should and should not go. Your dog will need time to adjust, and remember that they can hear much better than humans can. If they’ve never heard the noises of a busy city or kids at the playground, they may react negatively to these new experiences. Try to take them around the neighborhood, meet the neighbors, show them new amenities such as a pool or tennis courts. More importantly, make this entire process fun for them!! Play with them, give them your attention, reinforce positive behavior, and allow them to adapt to their new environment. It wont be an easy process but it is one that needs diligence.

Conclusion

At the end of the day, you’re moving whether your dog likes it or not. All they need is assistance in getting used to these new things so they don’t get scared or react negatively to your situation. As long as you follow these steps in some way or another, your dog will likely be fine with the move and adapt fairly quickly. If you have any questions, you can always ask your vet if they have any recommendations for you, considering they know your dog better than almost anyone but you!

Written By:

Brown Home Group @ Keller Williams Advantage II Realty

Blaine Wyker

Sources:

https://www.rover.com/blog/moving-with-your-dog-how-to-help-pets-adjust-new-home/

6 Steps to Buying a Home: How to Prepare for the Home Buying Process.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 26 Feb 2020 13:02:07 GMT

When buying a home, the process may seem a little daunting. It’s a large purchase with a long commitment. Buying is a bit stressful and requires a lot of time and patience. In order to have the best and easiest experience, we have provided a step-by-step process to assist you in preparing for what would be required for you and/or your spouse when buying a home.

STEP 1: Understand and Improve Your Credit Score

Having a good credit score is always an important factor when making any large purchase. You could offer a larger percent deposit down on the home, make a steady income, and still get denied because your credit score is too low. A low credit score will also affect your loan amount and your interest rate. So, first things first, CHECK YOUR CREDIT SCORE. Don’t just rely on your FICO score card , you will also want to check, Equifax, Experian, and Transunion. You want to review all three of these to get the most accurate depiction of where you stand with your credit, The same information isn’t always reported to the same industries so the scores may be slightly varied. Even if you have a nearly perfect score, you should always be sure to check. You want to make sure that the score is as accurate as possible and ensure that no mistakes were made when reporting your score.

STEP 2: Identify Your Budget

As soon as you have decided to purchase a property, it is imperative to work out some numbers to see what exactly you can afford. Understand that you should budget for what homes you can need, and not the homes you want. The best way to start is to research the average utilities, HOA fees, and property taxes in all of the neighborhoods that you are interested in. Now, take those average costs, and deduct it from your income, and be sure to include your other expenses, such as car payments, monthly groceries, credit card payments, or any other recurring monthly payments. Whatever you have remaining is an estimate of what you will be able to pay for your mortgage each month. You don’t have to do all of these calculations by hand! There are websites that provide mortgage calculators to assist you in understanding where your budget stands. Also, keep in mind that you would have to account for closing costs, and the deposit for the property, so be sure to factor that information in as well.

STEP 3: Know What Type of Home You Want to Buy

You know your credit score and you have a strong understanding of what your budget looks like. Now you need to look at what kind of home you want. The first thing you want in a home is something that will satisfy your needs. Make sure that the house is big enough for your current family or if it will be able to sustain the potential growth of your family. You want to look at the amount of bedrooms, and bathrooms, the size of the yard, the overall location, and school district. Then once you understand your “needs” you can start to factor in your “wants” does it have a pool? is there an updated kitchen? etc. Separate your needs and wants in a list and try to find a home that meets the criteria of your “needs” first then start addressing the other features that you would like in your new home. Once that’s finalized you can start looking!

STEP 4: Find Your Agent

Before you can start looking at the home you are interested in, you need a real estate agent to get you in. Start by looking for someone in your local area and read some of their reviews. Ask for recommendations from friends or family, and neighbors and try to get a strong list of qualified agents. You can reach out to them and set up an appointment to meet. You should prepare some questions to ask that you feel are important for you to know before you decide on who to work with. Be sure to specify that you are just exploring your options when meeting with them. Once you find the best agent for you, let them know that you are working with them exclusively. and be sure to inform the other agents that you have decided to work with someone else. Listen to your agent and trust that they have all of the knowledge and expertise to help you with any concerns you may have about a potential home. They may also suggest other homes that you might have missed that may not have checked every one of your boxes. Go ahead and look at it anyway. You never know if it could potentially the home of your dreams. Remember, your agent wants to help you and find you a house that you love. They’re your best friend through out this entire process.

STEP 5: Write, Negotiate, Apply, Inspect.

Once you’ve found a home you are absolutely in love with, you can begin to write an offer. Have your agent write it with you so you know exactly what to include and make an offer that you are pleased with. This is important because once you write an offer, and it has been accepted, you will now be in a legally binding contract. You want to make sure that everything is featured in the offer and all everything in it is correct. Once the seller has signed, no changes can be made in the written offer, so be sure to read it, read it again and have your agent do the same.

As soon as the inspection has been complete you can start negotiating with the seller depending on whether or not there have been any issues with the home. Once your offer has been accepted, you can apply for your mortgage! If you’ve been pre-approved and nothing has changed, it should be a fairly easy process. Especially if you have organized your finances before hand. Next is to stay in touch and respond to the inspection and appraisal. The inspection essentially summarizes the state of the home and identifies any issues the home may have that could potentially effect your home in the future. Now, this is going to dive deep into the bones of the house and see anything that wasn’t visible when you originally saw the home. Physical damage that has been seen should already been included in the offer and not brought up for negotiation after the inspection. Based on the results and findings is when you may or may not have to renegotiate the price again. Before moving forward be sure to thoroughly check everything to ensure there are no mistakes.

STEP 6: Close the Sale

You’ve finally found the home of your dreams and it’s time for your closing meeting. The seller has there own meeting prior, where they sign over the home, and they are no longer the owner. The buyer has their meeting with their agent where they give their deposit money, and sign the mortgage and purchase paperwork. Once everything has been confirmed, the home is yours!

We hope while reading this, it helps you understand the process of buying a home a bit easier. If you ever have any questions moving forward, you can always reach out to us at The Brown Home Group at 321-348-8720. We will gladly answer any questions you may have.

Written By: Alyssa Brown

Brown Home Group at Keller Williams Advantage II Realty

What to Know: When Moving to a New State

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 18 Feb 2020 12:49:13 GMT

When moving to a new state, there can be a lot to deal with. The newest statistics show that over 900 people are moving to Orlando, PER DAY! That number is absolutely insane and leaves a lot of room for people to make moving mistakes. With hundreds of clients apart of our BHG Family, we’ve helped quite a few people buy and/or sell a home and move to their next destination. While they all may not have been moving to a new state, some of the same rules apply!

Moving to a new state can be extremely stressful. Not only do you have all the paperwork and changes to make on the legal side, but you also have to find the time to pack everything, put it in a truck or container, then move it hundreds, if not thousands of miles to your next home. This process is draining, but that’s why we’re here to help make the process seamless!

What TO DO:

Research your moving options

1. Do your Research

As always, we recommend you do your due diligence to find and decide your best option for moving. This includes travel time and routes, mover expenses, rental trucks, etc. The number one thing you can do for yourself is to start planning NOW. Find the best truck rentals or movers in your area, map out your drive, decide when you’re going to make the drive and where you will stop if needed, and what you’re going to do when you get to your destination.

Quick tip: Find a rental moving truck with cruise control, this tends to make your trip much easier!

2. Purge

The next thing to do before you touch any boxes or sign any papers, is going to be a purge. No matter how you do this, you’ve gotta do it! Whether you host a garage sale, donate items, or fill a dumpster full of your things, you’ve got to go through your belongings and decide what is no longer going to be necessary to keep. We have a blog about prepping your home for a sale from a couple weeks ago that you can refer to here , for more tips on purging.

Cook all of the food you cannot take with you so it doesn’t go to waste.

3. Using Perishables

This step falls in line with the second step, only it involves food and drinks! You may not want to do this until a few days before moving, but you will definitely want to rid yourself of any perishable items such as food and drinks. A cool way to do this and make it less of a chore is to host a going away party. Instead of just throwing out all of your food, why not cook up a bunch of stuff and make a party out of it?! You can also donate to places like the Salvation Army or Red Cross if you’re feeling humble.

4. Old to New

This is one of the most dreaded parts of moving across states. The long, and brutal process of renewing your license, changing your address on things like bank cards, insurance policies, etc. This is something you’ll want to start before your move so that by the time you are at your new home, everything should be in order or at least close behind you. For example, forward your mail to the new address before leaving your current home.

The next step to this process occurs once you actually arrive in the new city. You’ll want to register the kids for new schools, register yourself to vote, and register your car. On top of that, you will want to transfer your utilities such as electrical, water, internet, cable, etc. to the new place and cancel them at your old home. Once you’re settled in, make sure you have a process for transferring physician documents and finding your new dentists and doctors in the area. We recommend asking family or friends for references, as well as using Google Reviews to find the best services in town.

If you’ve got any questions in regards to changing your address, renewing your license, changes license plates, etc. Contact your Brown Home Group agent and they can help point you in the right direction.

Packing your essentials for easy access

5. ESSENTIALS

This one is something people forget FAR too often. You need to make sure you have your essentials when you arrive at your new home. If you are like many of people who hire movers to load their truck, drive your things across state lines, and unload them into your new home, you need to prepare for this ahead of time. What we have found to be most efficient, is to load a bin full of things you will need on the day you arrive and load this bin into the back of your car. These things can include cleaning supplies, blankets, phone chargers and electronics, nonperishable foods, water, or anything else you will feel the need to have with you. It’s important to realize you won’t have all of your belongings immediately, and one of the worst feelings is to be without something you need and have no way of getting it!

6. Educate yourself

When moving to a new area, you’re going to be like a lost puppy at first. You will need a map or GPS for every where you go, you’ll constantly be asking questions to strangers, and maybe even spending a lot of time alone if you don’t have friends or family in the new state. A perfect way to start, especially if you’re an adventurous individual, is to fill your gas tank and drive all around the city and explore everything! This can help you find all of your favorite restaurants and amenities, any shortcuts you may need, and hiking trails or state parks that are in the area. This, in my opinion, is the fastest way to get to know the new area.

As humans we tend to hate being lonely, and moving to a new state is almost like locking yourself in a room. You may be moving to a new state and have absolutely no connections or relationships in that area, and won’t know what to do or with who during your free time. We recommend starting to network with people through schools, parks, churches, book clubs, local events, and more. Another way to meet people is through your hobbies, if you like reading you can join a book club, or if you’re into sports or working out, there are always gyms and clubs to join.

Conclusion

At the end of the day, you’re moving to a new state and it is going to be a long and rough process. It’s never easy relocating far from the place you called home for so long. But if you use these tactics, you can make it a lot easier for yourself and your family! With so much to handle, breaking it down into steps is the best way to capture it all and make sure the things get done.

If you have any questions or concerns in regards to moving, please feel free to reach out to the Brown Home Group. Whether you need a number for the best movers in town or if you need to buy or sell your home, we got the key to your real estate dreams!!

321-348-8720

BrownHomeGroup.com

Written By:

Blaine Wyker

Brown Home Group @ Keller Williams Advantage II Realty

Sources:

http://www.bluefieldave.com/7-tips-for-moving-to-a-new-state/

Storage Hacks for Small Homes: Simple Ways to Stay Organized.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 12 Feb 2020 15:04:22 GMT

Dump and Donate

We all have those few items that sit in the back of our closets that we just can’t seem to part with. You know what I’m talking about, the retro Members Only jacket you thrifted 3 summers ago and haven’t worn since. Get ride of it! Forgo a Sunday brunch or two and edit your closet. A rule of thumb: if you haven’t worn or used it in a year, take it out and leave it out. Depending on the quality of the item you can decide to donate it or throw it away. If it’s just too good to donate, you might be able to get a pretty penny for it. Take it to a consignment shop and make some extra cash. This method is useful for cutlery, glassware, and that ever-growing collection of coffee mugs. Treat yourself with some extra space!

Kitchen Solutions

Cabinet space is something that we all cherish. We all have those dishes that we use on special occasions, but always seem to take up the space that is needed for our everyday items. by adding wire racks within each cabinet you are able to double the amount of storage space and be able to keep all of your kitchen items organized.

Pantries and refrigerators are always the hardest for me to organize. The best way to keep your pantry items stored neatly is to group your items and put them into bins. Clear bins are recommended and don’t be afraid to use labels. Put the item in order from when you bought them. First in, first out is the best way to keep track of what’s already been opened and things you want to restock. You can make more room by purchasing a wire rack that you can hang on the door for items like spices and sauces.

Managing Bedrooms

The bedroom is one of the main problem areas when it comes to organizing. Whether you’re on your own or sharing a room space in this area is limited. Bins! Bins! Bins! The holy grail of organization! Utilizing bins and baskets is whats going to save your space and allow you to know where everything is. For closets, Use smaller bins for accessories such as hats, scarves, and socks. Use larger bins to store hefty coats, outerwear, and handbags. Look into different styles of shoe racks and pick one that matches the aesthetic of your home. You can find shoe racks anywhere home goods are sold and they can start at as little as $15. Bookshelves are another storage solution if you have room. They’re not just for books either, you can utilize the the cubbie-holes as additional shelving where you can stock folded items to increase the space in your closet and get the maximum use in the installed shelves.

Don’t leave room for the monsters, get flat bins or drawers that you can keep stores under your bed. Here is where you can store and extra blankets and pillows for guests, or you can keep your lounge wear separate from the rest of you garments. Floating shelves are also something to consider because it takes up less space and is easy to acquire and install.

Busy Bathroom Hacks

Don’t be afraid to use other household items in the powder room. It may surprise you how many different features can be used for your toiletries. You can use a wine rack to store rolled hand towels, and a kitchen utensil organizer to sort your toothbrushes, cotton balls and cotton swabs. The use of a decorative basket is always something to fall back on. You can keep clean towels or rolls of toilet paper and still have it look like it’s part of the bathroom and less like a storage solution.

Whether you have a small home, or just a lot stuff, these are some ways you can keep your space functional and organized. Think outside of the box, study your home, and get creative with your storage.

Moving Tips: How to plan your move!

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 05 Feb 2020 14:56:21 GMT

When it comes to buying a home , it can be a very stressful process. That is until closing day. Once closing day comes, you sign the paper work, and grab your keys, it feels as if your cortisol levels have become healthy again! Then you realize you still have to load up all of your belongings and move it all to your next destination, all within a very short time frame! We have gathered some moving tips and tricks from experience and research to help you make moving day as stress free as possible.

Purge

One of the best ways to prepare yourself for your move is to completely purge your house of things you don’t need. This a first step that you DON’T want to skip. Once moving day comes, there is no time for purging the things you do not want or need. We’ve found that having a garage sale is one of the most efficient ways to get rid of all the unused items and clothes you own, while getting paid for it! You can also post the things that do not sell online. Sites like Facebook, Craigslist, LetGo, and more are a great way to sell the items you don’t want to drag along with you. Once you sell everything that you can sell, pack everything up in boxes or bags, and take it to the nearest donation center! You can even order a free donation pick up from places like Salvation Army or Goodwill, and make sure to save the donation receipts!! You can use these receipts for a possible deduction on the upcoming tax season. Anything you can’t or don’t want to donate, you should consider asking your family and friends if they may need the items.

Everything else that cannot be donated, sold, or given away should be put in a special box/bag to be taken to the dump. It is much easier to move with the essential belongings than dragging along everything you own and finding a new place for it, so make sure you take the chance to do your due diligence before planning your move.

Packing

Packing is always a pain, but there are ways to make it less stressful and more efficient for your move in. The majority of people know how to pack their items (fragile items labeled, kitchen supplies together, etc.), but not a lot of people know how to better organize them for an easy transition. We recommend you color code all of your boxes to help organize the moving truck. You can color code them for heavy items, fragile, kids rooms, bathrooms, etc.

One thing to help you in the moving process is to color code by urgency/need. For example, all of the boxes with items that you do not need immediately can be labeled with blue tape and put in the front of you U-Haul. Likewise, all of the boxes with things such as work clothes, toothbrushes, etc. that will be needed the day you move in, can be labeled red and put in last!

Maximize your space. A great way to maximize your space is to utilize things you already have to pack stuff inside. A great example of this is to pack all of your spices into your slow cooker or crock pot or using laundry baskets for your electronics! The more space you utilize, the less trash you will end up with and the less hassle you will have with packing the truck. This also helps with delegating moving tasks, the less you have the less you’ll spend on hiring movers or paying people to help.

Preparation

Preparation is KEY to moving successfully. A friend of ours did not coordinate his moving truck and day accurately and was stuck hauling stuff in his little car back and forth for a couple days!! That’s the absolute last thing you want to do, especially if the new tenants/homeowners are expecting to be in your old home by a certain time and date. While U-haul is the most popular moving truck company, there are plenty of others that offer the same services and supplies. You can even pay for your entire house to be moved without you having to lift a single finger, but that can get very expensive.

Make sure to set your moving day in stone, usually it will only take one day to move all your belongings from one place to another. So coordinate with your moving company, truck company, friends/family, etc. to all be ready to go on the date you set for moving. A great way to save money is to setup the day with friends and family and offer to buy them food and/or drinks for after the move as a reward for helping. For some people this may not work, so you may have to pay them for their time, but the chances are you will still be saving money. Make it an event! Plan on having pizza, wings, or any other catering delivered for everyone to enjoy and make a house warming party out of it. This takes the grit out of moving day and gives you something to look forward to instead of grudging through the day.

Pro tip: Pick a mid-week, mid-month date to get the cheapest rates on a moving truck. If you try to schedule a weekend or a day at the beginning or end of the month during higher volume times, companies tend to charge more for their services.

If you are hiring movers to take care of everything, here are a few things to make sure you do:

Consider taking pictures of everything incase things get broken, damaged, or stolen
Leave a fully charged iPad or other device for tracking purposes
Pack fragile items with pillows or comforters for extra protection
Get quotes from at least 3 different moving companies
Make sure the movers have a parking place

There are plenty of things to do when it comes to preparing your move, and their not all easy. Consider using Moving.com’s Moving Planner to help with the process, making sure you don’t leave out or forget anything, and the whole process goes as smooth as possible.

Conclusion

At the end of the day, moving day will never be stress free, but there are plenty of ways to make the process simpler and more efficient! Whether you’re moving down the road or across the country, preparation and planning is the key to a successful moving day! As long as you start with purging your home before the move is within arms reach, set a solid date with movers, friends/family, and the moving truck company, and pack your things in an organized fashion, everything should go perfectly!

If this article helped you in any way, please let us know by emailing or calling the Brown Home Group at 321-348-8720 or email rick@brownhomegroup.com!

Written By:

Blaine Wyker

Brown Home Group @ Keller Williams Advantage II Realty

Resources:

https://www.moving.com/tips/21-easy-moving-tips-tricks/

https://hip2save.com/tips/pack-moving-tips/

https://www.loveloveloveblog.com/2019/03/moving-tips-to-save-money.html/

Property Appraisal: What You Should Know As a Homeowner

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 28 Jan 2020 14:48:05 GMT

As a homeowner, seller, or buyer, we’re sure you’ve heard the term “property appraisal”. While you may have an idea of what this is, most people don’t understand the point of a property appraisal, what they’re actually looking for, and how they get their unbiased value of the home. One thing to keep in mind is that all property appraisers are highly trained, licensed individuals. All appraisers go through multiple tests, strict trainings, continuing education, and more just to maintain their license and status as a licensed appraiser. They may not all be perfect, but they are trained to give an objective, unbiased report of your homes value.

What is an appraisal?

A property appraisal is a “unbiased estimate” of the actual market value of the home. What makes this so reliable, is the laws and regulations behind the licensing of property appraisers. As we stated before, all property appraisers must meet and maintain certain requirements in order to work as a license appraiser. This value that is given to your home is not going to be based on an opinion, but instead will be proved by a report that considers things such as property location, condition of the home, recent sales nearby, and more. These steps are taken to ensure that no one is taken advantage of and is getting a fair deal. When you’re financing a home, you’re not legally allowed to buy a home for more than what the home is appraised at. This can be a good and bad thing at the same time! Make sure to talk to your agent about the appraisal process and how it may effect your transaction.

What they look for

During a property appraisal, the appraiser will look for many things. But don’t worry, your dirty floors or torn up furniture won’t be a part of that list! Appraisers only look for the physical aspects of the home. This includes, square footage, bedrooms, bathrooms, pools, location, views, and much more. They will also analyze the condition in which each component is in.

Exterior

While roaming the outside of the home, the appraiser will look at multiple aspects. He will check the structure of the home, factoring in the age and condition of all the fixed components. They will also took a long, hard look at the roof. They will look at the permits and analyze the materials used and the integrity of it’s construction. From the frame of the home to the property lines, your appraiser will reassure you that you’re in a safe home and it is priced right!

Interior

The interior can be a bit more tricky though. While the exterior aspects of your home are most certainly important, there are more guidelines to follow while inspecting the inside of a home. Earlier we discussed that appraisers will factor in square footage, bedrooms, and more. Well while they have to analyze those things, they also need to check for water damage, fire escapes, etc. They will also test the quality of the systems such as plumbing, A/C, and electrical systems.

There are many components that create a full appraisal report, and you can rest assured you will receive an extensive copy of this report. While the process can make you nervous (especially if you’re selling your home ), you will be able to see every little thing that the appraiser found that adds up to or detracts to get to your homes “appraised value”.

How to get a higher appraised value

The best place to start is the outside. Make sure when the property appraiser is pulling up to your home, he likes what he sees. This means, take care of those overgrown bushes, misplaced pavers, broken exterior fixtures, etc. Make sure your gutters are in good shape and functional. Make the outside look as welcoming as possible.

Something to keep in mind is that appraisers usually appraise in $500 increments. Therefore, if you have a repair that should be made and it costs over $500, chances are you should take care of it so your home gets a higher and more fair appraised value. You can also use the age of your home to the advantage. No matter the age of your home, if you give your entire home the 21st century look, the appraiser will look over the age real quick. Consider painting the interior and exterior, patching walls, fixing cracks, etc.

On top of the repairs, you’ll want to highlight any and all minor/major repairs you’ve done to your home. This list should range from the $10,000 new roof, to the $100 sink you installed a year ago. Every little thing counts, and since they take into account the condition and market conditions of the neighborhood, make sure you tell them about any updates or improvements done to the community.

The best way to ensure you get a solid appraised value for your home is to do your due diligence. Do your research, make repairs, talk to your agents and appraisers, disclose everything, etc.

Conclusion

At the end of the day, you can not do much about the appraised value. If you think the appraiser was wrong, you do have the right to challenge the appraisal. If you think the appraiser didn’t consider any new or improved features of the home or its surroundings, let your lender know so they can investigate. The ultimate goal will be to get everything in order before the appraisal to guarantee there are no issues or concerns.

We hope this helps! If you’re looking to sell your home, you can always reach out to the Brown Home Group at Keller Williams

321-348-8720

Written By:

Blaine Wyker

Brown Home Group @ Keller Williams Advantage II Realty

Resources:

https://www.discover.com/home-loans/articles/the-home-appraisal-process

https://homeguides.sfgate.com/house-appraiser-look-for-2828.html

Sustainable Living: Is A Solar Power Home Right for You?

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 22 Jan 2020 14:36:39 GMT

Whether you’re commuting to work, dropping the kids off at school, or driving to the grocery store. You’ve seen them. The houses with the shiny, futuristic roofs that are becoming more widespread every day. Those roofs are the ones of a home that is strictly driven by solar power. You’re probably wondering, “Is this approach worth it for me in the long run?” “What are the advantages and disadvantages?” “How much will it cost?” and “Will it actually make a difference?” We’re going to dive deeper into the popular trend of solar homes and help you decide whether a sustainable powered home is right for you.

What is a Solar Home?

A solar home refers to a household that purely runs on solar energy. The homes’ roof is lined with numerous solar panels that absorb sunlight using photovoltaic cells (solar cells) that translates that into electric or thermal energy. There are a few types of solar power; however, heat and radiation are the ones that are primarily used for homes. Thermal Is used for the overall heat of the home and for hot water, and electric is purely to generate electricity for the household. This approach is deemed more efficient, because the energy is absorbed and stored, and less of the energy is used throughout the evening.

Solar Panels on top of a home to produce energy

Advantages and Disadvantages of Solar Energy

Now that you know what solar power is and how solar energy works, you’re probably wondering what the pros and cons of this renewable energy source are.

Pros:

Let’ s start with good news; the use of solar power can reduce or even eradicate your electric bill completely. When you decide to switch to solar power, you are essentially creating your own energy and will no longer require additional sources of electricity. This can decrease that monthly payment dramatically. Another positive factor of this decision is that it is extremely beneficial to the environment.

The size of one’s carbon footprint is becoming more and more important to consumers, especially in 2020. Solar panels create clean energy and reduce the amount of greenhouse gas emissions. Green house gases emitted over time are the leading cause of the negative effects of climate change. Finally, installed solar panels on your home can increase its resale value. Studies report that a home run by solar power increases the value up to 4%. When you’re looking to relocate, the loss of the solar panels become a monetary gain when it comes to selling your home.

Cons:

The time has come to share the not so exciting facts about solar energy. If you’re thinking about making the switch you might have to do a little more research before calling installers right away. There is a chance that solar panels may not be suitable for your roof. In order to install the panels, they install what is called a “racking” or a mounting system. Depending on the materials, slope, or style of the roof it might difficult or next to impossible for the panels to effectively be installed. Finding a reputable company to install the panels for you could also be a demanding feat. The market for solar energy is becoming larger and the installers are becoming less about the quality and customer satisfaction, and more about making a quick return. When taking then next step, take the time to find a respected and trustworthy company and compare quotes to find the best installers for the job.

Always make sure to take a look at the costs of sustainable living before jumping head first into the idea! Below we break down how much it may cost for your home.

How Much Does It Cost?

Something that every homeowner is concerned with when making changes to their property is, “How much does it cost?”. The price can vary depending on the system size, the location and the installers you choose. According to Solar reviews , the average cost of solar panels per watt in Florida is $3.06 kW and for a 6000 watt solar system is $18,334. The average cost of installation for a one-story house in Orlando, FL is $23,571. Most homeowners can spend between $16,595 to $31,000 depending on the size of the home, the size of the system and the specific location in Florida. Some websites offer cost calculators that allow you to get estimates on quotes specifically for your home to help you manage the expenses. Some websites are also able to show you what the layout of the panels will look like on your roof, how many will be able to fit.

Is A Sustainable Life For Me?

Solar homes are becoming more popular day by day and will continue to grow in 2020. Making the switch to a fully solar powered home can be exciting and something to consider if you want to decrease your carbon foot print and your electric bill. We hope that this brings more awareness to the ongoing trend of sustainable living and will allow you decide whether you want to solar transform your home.

Thanks for reading!

Written By: Alyssa Brown

Brown Home Group at Keller Williams

Sources:

“Amazingly Accurate Home Solar Estimator.” Size Solar Panels for Your Home & See How Much They Will Cost, www.solar-estimate.org/.

“Buying/Selling A Solar Home.” CA Solar & Storage Association, calssa.org/buyingselling-a-solar-home.

HomeAdvisor.com, www.homeadvisor.com/myhomeadvisor/confirmation/162260631/.

Matasci, Sara. “2020 Health & Environmental Benefits of Solar: EnergySage.” Solar News, EnergySage, 3 Jan. 2020, news.energysage.com/health-environmental-benefits-of-solar-energy/.

Richardson, Luke. “Solar Homes: Are They Worth It in 2020?: EnergySage.” Solar News, EnergySage, 28 May 2019, news.energysage.com/solar-homes-houses/.

“Solar Panels Increase Property Values.” EnergySage, www.energysage.com/solar/why-go-solar/increased-property-values/.

To Sell or Rent out? Make the Best Decision for You and Your Home.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 15 Jan 2020 14:31:57 GMT

Whether it’s relocating for a new business venture, or upgrading your home to start a family, it can be a little daunting to make the final decision: to sell your existing home or to rent it out. We’ve compiled a few key aspects to consider in the decision making process.

For Sale Sign

Selling

The number one concern that immediately comes to mind is, that’s right… MONEY! Will your home turn a profit and which decision will give you more bang for your buck? Now, when deciding to sell, you must consider the potential market. Luckily, in 2020, there are new people entering the market and looking to find a forever home and interest rates are projected to remain low. According to the US News World Report, Orlando is the one of the fastest growing cities in America, meaning more potential buyers, and a higher chance of selling your home within the first 60 days and receiving a faster return.

You may also want to look at how long you have lived in the home. The longer you live in the home, the more equity you’re building. The more equity, the more profitable your property can be. Having high equity also appears more attractive to lenders and sellers when you begin your own search for a new home. Consider how long you’ve been in the home and know where you stand regarding equity. Knowing all of this will allow you to understand your position and make your decision easier.

Rent out your home

Renting

If you decide to rent out your home, you would acquire the role of a small business owner. Or in other words, become a landlord. This new role requires a lot of responsibility, and time to keep up with the good, the bad, and the ugly of maintaining the home’s value. You will need to be available at any time if the tenants need you for any repairs or have inquiries about making any changes. If you don’t want to work directly with the renter, there are companies that you can hire to oversee the property.

If you are leaning towards renting, you should first consider all the expenses associated with the rental such as HOA fees, utilities etc. Compile the total monthly expenses and subtract them from the rent. If you’re in the red, you should probably consider selling. Renting could potentially be a great business venture and have a positive return it just depends on whether the decision is right for YOU.

Under The Light: Life in the 32828 zip code

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Fri, 10 Jan 2020 14:27:54 GMT

As one of the top teams in the East Orlando area , Brown Home Group specializes in the 32828 zip code! Rick Brown, the team leader and owner, has lived in the area for quite some time and know’s all of the intricate details everyone desires to know. Today, we would like to shine a light on the most attractive and unattractive aspects of the highly sought after neighborhoods of Avalon and Waterford Lakes in 32828. Using the two categories of Entertainment and Economy, we will break down the good and bad of each component to Orlando’s astonishing growth! With Orlando being in the top 10 fastest growing economies in North America, it’s safe to say that plays a huge factor in the mass appeal to live in East Orlando.

Entertainment

Let us start by highlighting one of the most interesting aspects of the Waterford Lakes/Avalon area. Considering Orlando is known for it’s attractions, Universal Studios and Disney World, you can imagine all of the entertainment available to the public within walking distance. Not only do Disney and Universal have their own empires that bring millions of people per year to Central Florida, but there are hundreds, if not thousands of businesses, attractions, and amenities to choose from if you’re not sure of what to do. There’s almost an endless supply of fun and entertaining things to do here. These activities can range from art shows, to beer festivals, to sporting events, and even big time concerts. Orlando is always live with some type of alluring event.

This is all fun and games until you hit Florida traffic. It is great to have so many options to choose from, but the amount of events and attractions Orlando maintains definitely increases population size and tourism. Some people don’t mind it, but for many of the Central Florida homeowners, the increase in tourism and population can be a nightmare!!

This “entertainment” category also includes outdoor activities. Florida is known for maintaining great weather year, which allows it’s residents to enjoy the outdoors 365 days a year. Things like fishing, visiting the various beaches, water sports, and more are all some of the popular recreations around the state. Specifically in East Orlando, we have boat shows, wake boarding contests, and other events of the sort. Although, with the year round summer weather, you will also experience non-stop heat waves, thunderstorms, and possible hurricanes.

Economy

Orlando’s economy is currently among the best in the U.S. As the job market in 32828 alone has increased over 3.5%! This is more than double the job increase throughout the entire US at 1.6%. The median household income is also significantly higher than the US average at just over $67k annually, and are still lower in average sales tax rates.

With that, real estate appreciation has rose at an average of 7.6% in the last ten years. This is quite a promising statistic for those who are seeking to buy a home in the East Orlando area. With a median cost of around $293k, it is one of the more expensive markets to live in. This brings us to the point of cost of living. Cost of living in 32828 is higher than the national and state average at an index of 112.3. Housing, healthcare, and transportation are the biggest contributors to such a high index.

One of the most important parts of our economy here in Orlando is the school system. In 32828 specifically, we have some of the best schools in the state. Most, if not all are A rated schools, one of which being Timber Creek High School. The Brown Home Group has had many integrations with TCHS and we continue to support everything they do for the community. In fact, this school seems to be one of the main reasons parents will move their children to Waterford Lakes/Avalon! 32828 has a higher HS graduation and College Graduation percentage than both Orlando and the state of Florida as a whole! So if you’re looking for the best schools in Orlando to put your kids into, the 32828 zip code is your spot!

Conclusion

At the end of the day, you have to go where is best for you and your family. 32828 is a bit more of an expensive neighborhood to be in compared to other places in Central Florida. But the little bit extra you pay in housing and transportation, is made up for by the entertainment, job growth, school system, weather, and more! We hope this was helpful for any of you looking to relocate to the 32828 zip code and we look forward to helping you buy your next home!!

Written By:

Blaine Wyker

Brown Home Group At Keller Williams Advantage II Realty

Resources:

https://www.bestplaces.net/zip-code/florida/alafaya/32828

brownhomegroup.com

5 Easy Steps to Prepare Your Home for Showings

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Sat, 04 Jan 2020 14:15:57 GMT

With 2020 already under way, you might be considering selling your home, or maybe you have already listed it! But a big factor in selling your home is showing buyers the home. Below are 5 easy steps to prepare your home for showings. A great way to think of this is to realize, once your home is on the market, it’s like a product on the shelf. Do you go to the store and pick up items on the shelf that’s dusty and disorganized or the one that’s clean and conformed? You’ve got a way better chance at someone picking your house out of the bunch when it is clean, organized, and staged correctly! Make sure to discuss some of these things with your agent to get the best possible results.

Repairs

First of all things, what you’ll want to do is go around your home and fix all the little things you find throughout the house. You know that squeaky floorboard under the dining room table that you no longer think about? Fix it. Keep in mind, for a buyer, this is their biggest purchase of their life. When they come into your home, they’re going to look at every inch of your home to find something to drop the price. That’s just how people are when purchasing high ticket items such as a home.

The best way to take care of everything is to go through each room with a pen and a pad. Write down the smallest of things that you see. Is there a ding in the wall? Consider having it patched. Do light bulbs need to be changed? How about those closet door handles?

Take every little thing into consideration. Not to say you have to fix and replace every tiny little issue in your home, but you’ll at least want to be aware of the condition of each room and factor that into negotiations when a buyer submits an offer. This makes the negotiation process much easier, as you’ll be prepared for anything the buyer throws at you.

Trash, Sell, Donate

The best part about this step is it not only helps the buyer, but it helps you out down the road. First things first, go through each room again and completely tear it apart. Take everything out of every drawer, closet, and dresser and sort through it. You’ll want to create three piles. One to throw away, one to sell, and one to donate. You would be surprised how many things you can actually just throw away, instead of it taking up space in your U-haul or new home.

Next, get your second pile organized, and set up a garage sale or start selling things on Facebook Marketplace or apps like LetGo. Believe it or not, a lot of sellers can actually get a lump sum of cash for selling things they no longer want or need. You can use this cash for things like upgrading the home, paying towards closing costs, moving costs, etc.

Once you have sold all of the things people may actually want to buy, you should bag up all the clothes, toys, furniture, and whatever else you have and take them down to your nearest Goodwill or Salvation Army. There are so many people out there who need the things you don’t and would normally throw it away.

Declutter, Depersonalize, and Organize

Once you’ve gotten rid of everything you don’t need, it’s time to go through the things you do need! Take everything you kept and find a place for it. All of your little necessities such as toothbrushes/toothpaste, razors, q-tips, etc. and organize them inside a drawer. Throughout the home, you’ll ONLY leave necessities sitting out. Take all the personal items such as family photos, kid’s report cards on the fridge, and even signs or doormats with the family last name. Completely depersonalize your home. Buyers need to be able to visualize themselves in your home and it is very hard to do so when their are personal items all over the place. In fact, it will make the buyer feel more so like they’re intruding instead of home shopping.

When it comes to organizing, this can be huge. Organizing will not only help you when you’re on your way out, but will help the buyer see the opportunities the space of the home has to offer and how they will use it for their own personal items.

It’s easier said than done, but you need to officially detach your emotions from the home. Take the steps to emotionally remove yourself from the home and then proceed to start this process.

Cleaning Checklist

Once you’ve got everything situated, now comes the maintenance side of the process. Sure, you have the initial weekend long cleaning spree that has to happen in order to maintain all of this. Steam cleaning carpets and furniture, scrubbing the grout, dusting every inch, and more. But in order to keep your home this shiny, you need to have a daily checklist, which should look a little something like this.

Daily:

Odor Managemet
Sweep, Mop, Vacuum
Dusting countertops, shelves, etc.

Weekly:

Heavy Dusting
Scrubbing the floors/Steam Cleaning
Clean inside/outside of Windows and Window sill
Polish Faucets, Appliances, etc.

Enhance Appearance

Last but not least, in fact one of the most important things to do is enhance your curb appeal. A lot of times we get asked “What’s curb appeal?”. It’s exactly what it sound like, how appealing your home looks from the curb. Take the extra effort to maintain your lawn and garden. Make some arrangements to get that loose gutter fixed, or the shingles replaced. Do the little things most people wouldn’t expect to be done and you’d be surprised how many buyers appreciate that!

Since you’ve completely purged the inside of your home. Go ahead and take a trip on down to IKEA, Rooms To Go, or even Target. Pick out some home decor to spice up the inside of your home, and try not to personalize it too much while picking out what pictures or art work you want to put on the wall. Sometimes, it’s hard for people to detach and look at what other people may like or want.

At the Brown Home Group, if it’s is necessary, we will hire a staging expert to come in and stage your home. In case it is needed, they also offer to rent out their decor and furniture to make sure everything flows and you have enough to fill the space! You know those homes on HGTV that look “AMAZING” ? They all use staging experts! Consider hiring one for yourself, or contact us to get in touch with one.

Conclusion

Like we stated in the opening paragraph, your home is quite literally a product on the shelf. Treat it like one. Go the extra miles to do the repairs, make it appealing, help the buyers visualize it as their own. While your real estate agent is suppose to be the one marketing your home, if you don’t cooperate and make it marketable then it’s hard for them to do their job. Let us know if these tips helped!

Thanks for reading.

Written By:

Blaine Wyker

Brown Home Group @ Keller Williams Advantage II Realty

Resources:

https://jacofallthings.com/prepare-home-sell/

https://www.trulia.com/guides/staging-a-house/

Need to buy a new home in Central Florida? Look no further! Visit us here

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Upgrading to a Smart Home

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 16 Dec 2019 17:54:36 GMT

We are living in the golden age of technology, so why not use it to our advantage? Smart home technology can make your whole life much simpler by allowing you to control your home systems remotely from your smartphone or a touch screen device. Smart home automation allows the luxury of high-tech functionality that was not possible in the past. Installing smart devices into your home can benefit you in many ways including maximizing home security, increased energy efficiency, improved appliance functionality, etc. Here are some tips for building your smart home.

Plan

First off you want to plan out your smart home before you jump into purchasing all your gadgets. You want to draw up a budget & set goals for this project. Make a list of everything you would like to automate in your home. Consider if you want security cameras or video doorbells. Do you want smart light bulbs? Consider want brand you want as well and make sure they are all compatible.

Secure

Once you start purchasing your smart home devices, you want to make sure they are all secure to avoid hackers. Consider renaming your WiFi network and changing the default passwords. Creating a secure password that will make it difficult for potential hackers to figure out is a good idea.

Choose a Brand

When beginning your smart home upgrade, try to stick to one brand if possible. This is especially a good idea for light bulbs. You don’t want bulbs from different brands because some might be brighter or have different colors/hues than the other and you’ll just end up with a headache. If you choose an item that isn’t supplied by the major brand you are trying to stick to, it’s okay. Try and see if that product is compatible with your other devices like Alexa or Google Home.

Placement

When placing your devices around your home, you want to choose a place in the house with a lot of open space to avoid interferences with the voice assistant. Rooms with bulky objects might block your soundwaves. When Alexa doesn’t hear what you are saying, you might be annoyed after yelling 3 times at the little blue device across the room.

Crowding the WiFi

Connecting too many devices to your WiFi network can cause slower speeds, which no one wants when they are in the middle of their Netflix show. Each smart device you get will most likely have to be connected to your Wifi. Utilizing Huds can come in handy in a situation where you have acquired multiple smart home gadgets that connect to your network. You can install a new router or set up a guest network.

Save Money and Energy

You can save so much money in the long run by investing in smart bulbs and smart thermostats. You will see your savings on your monthly electric bill. Who doesn’t love a decreased monthly bill payment? Along with saving you money, smart bulbs are LED lit and last much longer than normal lightbulbs.

Alexa Skills

Something many Alexa owners don’t know is that you can enable Alexa skills through the app. Alexa skills has some pretty awesome features like:

Trivia games
Find my phone
Sleep & relaxation noises
Big sky

Security

Smart home automation is a great tool for home security. You can connect motion sensors, surveillance cameras, and automated door locks to your home to maximize your home protection. This makes it very convenient when you’re in bed and realize you might have forgotten to lock the door, now you can lock it from your phone. A cool feature many people don’t know about is that you can display your security cameras on your SmartTV.

Smart Plugs

Smart plugs have the power to turn any device into a smart device in terms of turning them on and off. They make life so much more convenient by allowing you to turn on things whenever you want. Hooking up things like a coffee maker, slow cooker, washer, dryer, lights, etc.

Centralized App

Once you install multiple smart home devices, you will probably have a couple of different apps downloaded in order to use them. This can get annoying, but smarthubs can solve this. SmartThings hub allows you to configure a bunch of different apps into their one app to make things much easier and more centralized.

Turning your home into a smart home can really make your life easier and who doesn’t want that? Although these devices are great for many different reasons, always remember to start your smart home upgrade in moderation and know the privacy policies.

Written by:

The Brown Home Group @ Keller Williams Advantage II Realty

321-348-8720

Sourced from:

https://bluespeedav.com/blog/item/7-greatest-advantages-of-smart-home-automation

Buying New Construction – What You Need to Know!

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 12 Dec 2019 19:08:50 GMT

When it comes to buying a home, it is all relatively the same process, the difference is within the details! We have had a lot of questions about new construction homes lately from our buyers and clientele, so this article is to help breakdown new construction, the differences between buying new and resale homes, and what you need to look for!

#1 THING TO REMEMBER: CONTACT YOUR REALTOR WHEN BUYING NEW CONSTRUCTION!!! There is a lot of misconception around new builds and using real estate agents, which can hurt you down the road if you do not know the difference between buying with an agent and buying from the developer.

DO YOUR RESEARCH

The biggest thing to do when thinking about new construction is to do as much research as you can. Research the spec homes they have models of, research the developer(s), research the neighborhood and surrounding area, etc. The best way to go about doing this research is to start with a simple google search, ‘top builders in orlando’ or even ‘best builders in central florida’. While this can be time consuming and unappealing, it is going to pay off in the long run with guaranteeing that you know the business you and your agent are working with.

Make sure you pay attention to any reviews, past projects, their brand and morals, etc. You may be able to find current residents of those builders and reach out to them to get your feedback! This will not only give you a sense of how the builders do business and the experience others have had, but you may even meet your new neighbor and get an early start on developing that relationship! When doing this, make sure you right down a long list of questions to ask the builder when you finally meet. You want to know everything there is to know about the builder, their homes, and their plans for the development!

USE YOUR REAL ESTATE AGENT!!!!

We cannot stress this enough, MAKE SURE YOU USE AN AGENT!! Recently we have had a few of our past clients buy new construction with out using us as their agents, and when we reached out to find out why, the buyers claimed to not know they were able to use an agent with new construction. THAT’S RIDICULOUS!! Not only is using an agent your best option, but there’s nothing in the rule book that says you can not use an agent to buy from developers.

The main misconception about this is that if you show up to a model home with out a realtor, the developer may no longer do business with an agent because you brought yourself without representation, they want to take advantage of that. The best way to view new construction is to reach out to your agent first, and let him schedule everything.

The reason you need an agent is because your agent works in YOUR best interest, not the developers. Most people also think they have to pay to use an agent, but in reality, when using a buyer’s agent (who has fiduciary responsibility to keep your best interest in mind at all times) the seller is the one who pays the agent’s commission, not the buyer. In this case, the seller is the developer. If you go alone and without representation, you will find a developer that wants to sell a home to you at full price and will not consider the negotiation that you deserve. So make sure you contact your Brown Home Group agent to get full protection, a solid negotiating partner, and the ability to look at other options that new communities can offer.

Make sure everything is in writing!

When working with builders, thinks can get messy sometimes. Not only do you have a lot going on but so does the builder, everyone has their own problems and jobs to take care of. One thing that can happen often is that a builder offers you something or makes you a promise and then when you go back, they have retracted the offer or promise. The best way to guarantee you get what you’re promised is to have everything put in writing! When you have an agent, they will make sure this gets done and takes that task of your plate. The agent will make sure you have all bases covered, since when buying new construction, what you’re buying isn’t always built just yet.

Things like the specifications, completion date, home warranty, etc. should all be included in any paperwork you obtain.

Contact us

If you have any questions about buying new construction or buying/selling real estate in general, always feel free to reach out to the Brown Home Group at Keller Williams Advantage II Realty. We have a team of agents that can help with any and all of your needs and wants when it comes to buying or selling a home.

Rickbrownclosing@gmail.com

321-348-8720

Ways To Fund Your Big Purchase

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 12 Dec 2019 17:46:27 GMT

Finding your new home is one thing, but paying for it the other. There is an array of options for your big-time purchase. Finding the right financial option for your situation is important for funding your investment. Here is a list of options to consider when finding the best fit for you.

Cash

Cash is key. This is the most simple and straightforward way to purchase your home. No debt, no problem. Although this is the most ideal option, it is not possible for many people. You may also consider renting your property. Yes, you may be dropping a majority of your savings account all at once, but you can collect a return on investment for your property. This can be a money-making option.

Business Credit

Business credit cards are another great option to consider for funding your investment. Business credit cards with 0% interest will save you on your investment.

Private Money

What is private money? It is considered the money you receive from family, friends, etc. If your relatives or friends are wealthy and kind enough to be your own personal lender, you can avoid the hassle of dealing with mortgage rates. Since private money is not regulated, you have the freedom to make your own rules and contracts as needed.

HELOC

1. HELOC. If you own your primary residence, using a HELOC is a fantastic way to access cash to purchase a rental property. A HELOC allows you to take out a line of credit based on the amount of equity in your home. This can also be done on existing rental properties. Typically, a HELOC is a great bank product, and it’s accessible to many people. Here’s how to use your HELOC as an investment tool.

2. 401k. If you have a 401k through your employer, your plan likely allows you to take out one loan per year. This is a fantastic strategy, because you’re in essence, paying the interest back to yourself. You can learn more about this strategy here.

3. Self-Directed IRA. A self-directed IRA is a retirement account that allows the owner control over where their money performs. Being strategic within a self-directed IRA allows the investor many possibilities, including investing in real estate! We’ve put together a comprehensive series to help you implement this strategy.

4. 1031 Exchange. If you already own a rental property that doesn’t perform as well as you’d hoped, a 1031 exchange might be right for you. To learn more, read our 1031 exchange guide, and check out our 1031 page if you’d like to move forward!

5. Hard Money. Hard money lenders are like bankers, but because they are not regulated by the government, they can set their own rules and lend with looser standards. They don’t care as much about your credit score and they don’t limit you to one investment at a time. They lend on the merit of the deal and they can close funding much faster than a traditional bank.

https://morrisinvest.com/blog/2018/12/31/8-ways-to-fund-your-next-real-estate-deal/

Financing Real Estate Investments With Credit Cards Can Pay Off — If You Pay Them Off

How to Stage Your Home For the Holidays.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 12 Dec 2019 17:13:42 GMT

As holidays approach us, things start to get messy. Life is still happening, yet all of your family and friends are coming into town to visit, the kitchen is constantly in use to prepare the feast, and everything just seems to be all over the place.

Whether you’re selling your home this winter or you just need some quick tips to get your home spruced up for the holidays, this is where to start! Take a look at these amazing and easy DIY staging tips and ideas for the holidays.

Add Holiday Decor

Some of us don’t like to go all out during the holidays with all of the usual decor, but it can be a simple and valuable touch to your home. Whether it’s for family, friends, or a potential buyer, give your home the warm and festive feel your guests need to feel at home. There are many ways to do this, such as adding scents in the form of candles or cooking. Another option is to get the classic Christmas decor and hang your mistletoes, wreaths, pine cones, lights, and more!

Compliment the tone of your home

Instead of clashing colors together just to get out the holiday decorations, try picking colors and decor that compliments the furniture, wall paper/paint, lighting, etc. If you’ve got the classic white tone or modern look to your family room, consider getting a white tree instead, and wrapping with shiny ornaments to compliment the tone of the room. If you have a more colorful set of furniture and wall paint, stick with the old fashioned earthy color tree and decor such as cranberries, wreaths, pines, and more!

Highlight the Features

Instead of putting the prettiest of decorations in a random corner to fill space, or just for the sake of decorating, use your creativity to decorate around those gorgeous features your home has to offer. For example, if you have one of those large, beautiful wood floored staircases with a nice looking hand rail, consider wrapping the hand rail with lights and stockings!

Mind Your Space

Most times, a Christmas tree is going to a hassle to get in and out, find a place to put it, and make it work for all the family traffic coming through your living room this month. Try finding a spot for the tree that doesn’t make the room look smaller but actually compliments the size and layout of it. This can help for those family events and everyone bringing things in and out of the home and also makes your potential buyers visualize their holidays there and points out the size of your home!

At the end of the day, the idea is to give your home a warm and cozy feel to it so no matter who is in your home, they get that sense of peace and relaxation of being “at home”. The fun part of this comes with finding a way to decorate your home to your liking, mixing and matching color schemes, being creative with placements, and still offering that feeling for your guests. We hope this was at least some what helpful in your search to redefine your home this holiday!

For any and all real estate needs, please reach out to us at 321-348-8720 or visit our website

BrownHomeGroup.com

Written by:

Blaine Wyker

What You’ll Need to be Pre-Approved

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 12 Dec 2019 17:10:31 GMT

When buying a home, the majority of buyer’s are going to need a loan. Unless you’re lucky enough to have an outstanding amount of cash on hand, you’re going to have to rely on a bank or private lender to give you the funds. The more you learn about the loan process, the easier it will be for you when you’re ready to get funding. Let’s go ahead and break down pre-approval, it’s process, and what you as a buyer are going to need to have ready.

Pre-qualification vs. Pre-approval

There’s a big difference between pre-qualification and pre-approval. Pre-qualification is great for getting an estimate on how much you can afford to buy when you finally purchase that home. But pre-approval is a set number that you know you’re going to get. The reason most agents will ask if you’re pre-approved is because if you know exactly how much you can spend, it narrows down the search process for your new home.

The last thing you want and the last thing any agent wants, is to go out on the weekends, view a ton of houses, then come to find out that you cannot afford the house you fell in love with. As agents, we don’t want to get your hopes up and have them crushed by a lender. It is always best to get pre-approved, so you can search through all the homes you know you can afford without wasting your hard earned free time on the weekends.

What You’ll Need

Proof of income
Proof of assets
Solid Credit
Employment verification
Any extra documentation

The first four are probably of no surprise to you, but the last one “Any extra documentation” is probably one of the most important ones. Not everyone has the same situation, some people may qualify for certain programs such as VA or Down Payment Assistance. Make sure you’re very open with your lender about your situation and what you want and need from them, this will allow them to do whatever they can do to make sure you get the best rate and the best loan!

For example, Homebridge Financial (one of our preferred vendors) actually offers an assistance program for veterans, first responders, teachers, etc. They offer you a big credit and waive certain lender fees that most people have to come out of pocket to pay. So make sure you do your research and ask your agent for all their preferred lenders so you can shop around for your best option,

How to get started

Now that you know all of the information you will need, and why, now it’s time to gather all of those documents and go shopping! There are multiple different types of lenders, such as Credit unions, mortgage bankers, correspondent lenders, S&L’s and mutual savings banks. You’ll want to verify if each lender you consider is registered in the state you’re going to be shopping in. This can be done through the Nationwide Multistate Licensing System Registry .

Your next step is to simply get pre-approved and to compare your rates. This is where communication is key! You’ll want to make sure you ask all of the right questions and read the fine print on everything each lender gives you. This can be a time consuming process, so consider talking to your agent or lender about what’s best for your situation.

Some questions to ask can be:

What are the down payment requirements?
What am i responsible to pay for at closing?
Can you waive these fees or roll them into my mortgage?
Do you offer discount points?

These are just a few of the questions you will want to make sure you ask. If you still don’t feel comfortable with your lender, have your agent help you. Remember, as an agent, it is their job to keep your best interest in mind and to make sure you walk away happy and with everything you need.

If you’re still looking for an agent that will help you find the home of your dreams, and take you through the process with your best interest in mind, reach out to the Brown Home Group at Keller Williams Advantage II Realty! You can find us on all social media platforms or on our website at www.brownhomegroup.com

-Or call us at 321-348-8720

Written By: Blaine Wyker

Sources:

https://www.nerdwallet.com/best/mortgages/tips-for-finding-best-mortgage-lender

https://www.investopedia.com/financial-edge/0411/5-things-you-need-to-be-pre-approved-for-a-mortgage.aspx

What Real Estate Agents Do For You!

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Fri, 01 Nov 2019 18:04:39 GMT

Real estate agents are here to represent your best interest during one of the most important times of your life. If you are selling your home, their job is to get it sold for top dollar. If you are buying a new home, their priority finding your dream home for a great price. Real estate agents have the skills and knowledge to accomplish your real estate goals. Here are some of the many ways your agent can make this whole process quick and easy.

Reputable Network

Your agent has connections with highly reputable lenders, home inspectors, and contractors in your area. These professionals are all part of the real estate process and working with the right ones can make a big difference in getting you the results you want during this process. Your realtor will be the main communicator between parties, they are responsible for keeping everyone informed.

ADD DESCRIPTION

Pre-Approved Morgage

A good real estate agent has a network of trusted lenders that will get you pre-approved for the mortgage that is most suitable for you. Your lender will consult with you to verify income, employment, and credit score. Once you are pre-approved and you come up with your house-hunting budget, you and your agent can start looking for your perfect home.

Location & Properties

House hunting can be both exciting and stressful but your realtor is there to help you throughout this lifechanging experience. They will work with you to narrow down your search to properties that best fit your wants and needs. Your agent will counsel you on specific factors such as preferred neighborhood, commute time, school districts, acreage. Keeping these factors in mind, your agent will be able to draw up a list of properties that best fit these desires.

Draft Up An Offer & Negotiate Price

Buyer’s agents have superior negotiating skills that will get you the best price for your home purchase. Your realtor should have in-depth knowledge of the factors that affect home values. They will draw up an offer based on their analysis of the current list price and their interpretation of the home’s value. Agents have access to the most recent comparable homes (comps) in the neighborhood and competitive listings in the area. Their job is to get you a deal on the property. You should know they are working towards getting you the best possible price. Your agent will help you chose a competitive price that will impress the seller and the deal accepted. Trust your agent, experienced realtors know how to negotiate to make sure you don’t pay more than you have to.

Inspections

Through their network of valued professionals, your agent should know the best home inspectors in the area. Once you decide on a dependable home inspector, they will come out to look at any damages, mold, radon, lead paint that could cause issues in the sale. A good buyer’s agent should be present at the home inspection and take note of any problems that appear. They should ask the inspector questions about the condition of the home during this time. Negotiations proceed at this step and he or she will negotiate repairs and costs on your behalf.

Closing Process

Your agent will effectively communicate with you and the seller’s agent to ensure you are all on the same page throughout the closing process. They are responsible for relaying information between each party. There is a lot that goes on between escrow and the final closing. Your agent will monitor this process and make sure everything goes right to get those keys in your hand.

The idea of purchasing a new home is exciting, but the process can be extremely long and stressful. Hiring a buyer’s agent can take the hard work off your plate. They have the network and skills to make everything a whole lot easier. This might be the biggest purchase of your life, so do it right.

If you are looking to buy a new home, don’t settle for less than the absolute best realtors around. Our amazing agents at the Brown Home Group at Keller Williams Advantage II Realty do the hard work to find you the home of your dreams. Call us now at 321-348-8720.

Written by:

Katie Kleinkopf

Brown Home Group @ Keller Williams Advantage II Realty

Sourced from:

Decluttering 101 for Home Sellers

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 15 Oct 2019 17:55:28 GMT

Homeowners who are ready to sell should take the time to make their house look as attractive as possible to potential buyers. This may mean trimming unruly bushes and shrubs, fixing leaky faucets, and of course, decluttering your home.

Real estate agents typically advise sellers to declutter every room in their house prior to taking listing photos or putting the home on the market. Getting rid of clutter can make the home look larger and more open, which means it will be more attractive to homebuyers.

Plus, if your home is filled with personal items such as family photos and dog toys, it’s hard for buyers to visualize themselves living there, so it could take longer to sell.

The thought of decluttering your entire home can be overwhelming, but there’s no need to worry. Take it one room at a time to make the task seem more manageable.

Follow these decluttering tips for every room in your home, including the:

Decluttering the Kitchen

The kitchen typically attracts more clutter than practically any other room in the home.

Start by throwing out or donating items you no longer need or want. You should also dispose of duplicate items, such as a second set of silverware you never use. Clearing out this clutter can create more room inside cabinets and drawers.

Don’t forget to declutter the countertops, too. If you only use the toaster once a month, there’s no need to keep it on the counter. Put appliances that are rarely used in storage so they don’t waste valuable countertop space.

Finally, sort through stacks of papers or magazines that are lying around the kitchen. The kitchen should only contain items that are related to food, food storage, or food preparation. Recycle papers you don’t need and store the others in a filing cabinet or folder in another room.

Decluttering the Entryway

The entryway is the first space that potential buyers will see when they walk into your home. Therefore, it’s important to declutter this space so your home makes a good impression on buyers.

People tend to drop their car keys, coats, umbrellas, shoes, and other items in the entryway as soon as they get home. This may be convenient, but it creates a lot of clutter.

Solve this problem by investing in organizers such as key racks, cubbies, and coat racks. These items will make it easier to manage clutter while also ensuring that the entryway is still functional for your family.

Check the rug in your entryway as well. If the rug is not securely in place, it can make the rest of the space look more cluttered. To prevent slipping and sliding, secure your rug using either a pad or carpet tape. Now, your home is ready to give buyers a warm welcome!

Decluttering the Bathroom

Bathrooms are fairly small, so it only takes a little bit of clutter to make them look messy and unorganized. Cramming everything into drawers and cabinets will not solve your clutter problem. In fact, it’s best to start decluttering the drawers and cabinets first by getting rid of old or unneeded items. Organize the items you want to keep in trays and bins inside your drawers and cabinets to keep things neat.

Next, tackle the counter. There are only several items that you actually need to keep on your bathroom counter: a toothbrush, toothpaste, and hand soap. Find another spot for other items that are taking up space on your bathroom counters.

If you really want to freshen up the space, consider purchasing a new shower curtain and bath mats for each bathroom. This will make your bathrooms look clean and appealing to buyers who tour your home.

Decluttering the Bedroom

The bedroom should be your sanctuary, but it’s hard for buyers to imagine themselves relaxing in a room that is filled with clutter.

The first step in decluttering the bedroom is clearing off nightstands, dressers, and other surfaces. Keeping these spaces clear can make the entire room look neat and orderly.

You’ll need to dig deep into dressers and nightstands to completely declutter your bedroom. Sort through the items inside so you can get rid of things you no longer use.

Put the finishing touch on your bedroom by making your bed. Even if the rest of the room is completely decluttered, it will still look messy if the bed isn’t made. Make sure your bed is made before photos are taken and prior to potential buyers entering your home.

Decluttering the Closets

Buyers will look inside the closets, so it’s important to declutter them prior to listing your home.

You need to figure out which items you want to keep and which you want to donate or throw away, but don’t pull everything out of your closet at once. Instead, tackle one type of item at a time.

For example, pull the shoes out of your closet and sort through them before moving onto jeans, t-shirts, and other clothing items. This makes the process of decluttering your closet far less intimidating.

Make sure all of the clothes inside your closet are hanging on the same type of hanger. If multiple types of hangers are used, it can make the closet seem cluttered even when it’s not.

Finally, take out items that somehow ended up in your closet even though they don’t belong there. You need to maximize the space inside your closet, so storing items that don’t belong is not a good idea!

Hiring A Professional vs. DIY Decluttering

Some sellers choose to hire professional stagers to declutter their home before it hits the market. Hiring a professional will certainly save you a great deal of time, but it could cost you thousands of dollars .

Although it’s time-consuming, it’s usually better to handle this task on your own. It’s best to set aside two to three weekends to dedicate to this project so you have plenty of time to make it through every room in your home.

Selling Your Decluttered Home

At this point, you know the many tips and tricks to decluttering every room in your home. Now, you’re ready to list your home and start the next chapter of your life in a beautiful, new house!

Steps For a Successful Open House.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 10 Oct 2019 17:46:01 GMT

When it comes to selling your home, first impressions are everything. An open house will provide much-needed visibility by allowing potential buyers to come right to your doorstep. This will also allow the opportunity to set your home apart from the rest in the buyer’s mind. You are allowing potential buyers to come right to your doorstep. We have put together 5 essential steps for hosting a successful open house and get your property sold.

Shine Above The Rest

Pictures can only depict the beauty of a home. Seeing a home in person can make the difference in showing off the real beauty of your property. You want to show your home off in the best way, and get your buyers to visualize their life in their new home. You should clean, organize and de-clutter the house before opening the doors to the public. Consider staging your home with beautiful furniture and decor that will complement the home. You can hire a professional staging company that will take all the hassle and pressure off your back. This is your time to make a statement.

Curb Appeal

You want to WOW prospective buyers from the start. Set the tone for the rest of the house by giving a good impression as soon as they drive up. It’s time to drag out your power washer & brighten up your driveway and patio. You don’t realize how grimy your driveway is until it is fresh and clean again. It’s time to go green! Clean up the front yard by removing any dead plants and add some fresh greenery and flowers. Trim overgrown bushes & chop down excess branches from the surrounding trees. Make sure the lawn is freshly cut and watered, keeping the yard looking beautiful and healthy. After you finish showing off your green thumb, turn your attention to the front entrance of the house. Polish it up. Make your door pop. If the color is faded, consider repainting or even choosing a new color that will accentuate the exterior of your home. This is an affordable, DIY project that can help make a bold statement. Spruce up the entrance by adding some decorative pots & flowers. Don’t forget about the doormat. A new doormat welcomes guests and gives them a place to wipe their feet before entering the home.

Remove Pets

Yes, we love our pets but you never know how the guests will react towards them. They can be load and get in the way, distracting your buyers. Pet allergies are also very common and the last thing you want is a potential buyer having to leave the showing because of an allergic reaction. It is best to take your pets with you for a couple of hours while your home is being shown. Make it a fun day and take your pup to the dog beach or dog park. When’s the last time you did that? If you have to leave them at the house, keep them confined in one of the more uncommon areas in the house to avoid heavy traffic near your animals.

Don’t Stick Around

If you are a first-time seller you might be surprised when your agent asks you to leave during the open house. Don’t take this offensively. This is their time to shine, so allow them to. They have the skills & the strategy to show off your home flawlessly and get it sold in no time. Grab the kids and the dog and take a trip to the park for a few hours while your home is being shown. Spend some quality time with your family and take some stress off your shoulders. It is in your agent’s hands, and they will not let you down.

Holding an open house can be the key to getting your home sold. Make sure you are showing off your home in the best light and make those lasting impressions on the buyers coming through. Your agent will use his skills to get those offers rolling in.

Written by Katie Kleinkopf

Brown Home Group @ Keller Williams Advantage II Realty

Sources:

https://www.hgtv.com/design/outdoor-design/landscaping-and-hardscaping/10-curb-appeal-tips-from-the-pros-pictures

https://homelightblog.wpengine.com/open-house-tips-for-sellers/

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Fall Staging Tips

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 01 Oct 2019 17:42:43 GMT

Fall is finally here! It’s time to stage your home to match the warm, cozy vibes this season brings every year. Incorporate vibrant reds, burnt oranges, and musty yellows into your home this season. Staging your home for the fall season can help create a welcoming space for those potential buyers and allow them to visualize their future life in this home. Doing this will set your property apart from the rest in the buyer’s minds. Here are some tips for staging your home for the fall season.

INCORPORATE AUTUMN COLORS

The heat of summer is beginning to diminish and cooler weather will soon be here. Whether or not you live in an area that experiences the beauty of fall foliage, we are all beginning to decorate for this beautiful time of the year. Autumn is the time when leaves change from their normal green state, to hues of reds, yellows, oranges, and browns as the weather starts to cool down. So incorporate harvest colors like maroon, scarlet, gold, bronze, and amber throughout the house to give each space a warm fall feeling.

SEASONAL THROW PILLOWS

Simple throw pillows can automatically add that fall feeling to any room in the house. Pull inspiration from the fall landscape when deciding which pillows to add to your couches & chairs. Pillows with pops of color and texture will create inviting spaces for your buyers to come into. Stores like Target, T.J.Maxx and HomeGoods have great, affordable pillows that will be perfect for staging this season.

KNIT BLANKETS

Who doesn’t love a big cozy blanket? Just the sight of one makes you want to curl up on the couch with a hot cup of cider and enjoy those Halloween movies you’ve been waiting all year for. That’s the kind of visualization you want to create for your buyers as they take a look at your property. By adding a textured or faux fur blanket to your couch or comfy chair is a great way to welcome the cooler weather and bring out those warm & cozy feelings in your home.

DIY DECOR

DIY decor is my go to! It’s a simple, easy and affordable way to make some super cute decor to incorporate throughout your living spaces. I found some great ideas using inexpensive items you can find at the dollar store or even in your own yard. Combine a few pine cones, some chestnuts and a set of string lights into a clear vase for an inexpensive yet impressive center piece display. Here’s another idea for the perfect autumn display. Simply grab a large cornucopia and add some flowers, cranberries and a couple apples. That’s it! Be creative and have fun with it!

FALL SCENTS

Finish off your seasonal staging by incorporating the fall aromas throughout your home. Now that we have the visual aspects down, lets attract our buyers through the sense of smell. Everyone loves a good smelling home! You gotta love finally breaking out your favorite pumpkin spice or apple cinnamon candles. Melting cinnamon sticks or even using oil infusers are great was to your home smell AMAZING this season. Remember, keep it subtle by running one consistent scent throughout the house.

Utilizing these fall staging techniques will increase buyer appeal and help you get your home sold before the holidays. Your potential buyers will feel right at home thanks to the warm and cozy environment you created for them.

Written by:

Brown Home Group @ Keller Williams Advantage II Realty

Sourced from:

https://www.merriam-webster.com/words-at-play/color-word-origins/carnelian-and-cornelian

https://www.leovandesign.com/2018/09/home-staging-tips-for-fall.html

https://kikiinteriors.com/2017/09/staging-tips-for-selling-your-home-in/

https://www.bobvila.com/slideshow/12-reasons-your-home-isn-t-worth-as-much-as-you-think-50184#laminate-countertops

https://mylifeonkayderosscreek.com/farmhouse-fall-home-tour-2016/

http://www.whatsurhomestory.com/thanksgiving-centerpiece/

https://www.pinterest.com/pin/360358407683493576/

Paint the Town Red 2019!

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 25 Sep 2019 17:35:40 GMT

Paint the Town Red is an annual event hosted by most Keller Williams brokerages to get involved and give back to our community! This year happens to be all about giving about to those in the Bahamas, effected by Hurricane Dorian. As most people know, the Bahamas suffered a catastrophic hurricane earlier this month, and they need our help! We will be hosting Open Houses ALL OVER Central Florida on the weekend of 9/21-9/22 from 1 PM-4 PM to allow everyone the opportunity to donate and to view multiple listings on the market!

What to Donate

Water
Gatorade/Pedialyte
Soap
Toothbrushes
Toothpaste
Wipes
Diapers
Toiletries
Flashlights
Batteries
First Aid Kits

When & Where

Saturday, September 21, 2019 1:00 – 4:00 PM

Sunday, September 22, 2019 1:00 PM – 4:00 PM

14013 Bramble Bush Ct, Orlando FL 32832

14450 Saint Georges Hill Dr, Orlando FL, 32828

1203 Carriage Ln, Orlando FL 32807

723 Wilson Rd, Winter Springs FL 32708

540 Sand Wedge Loop, Apopka FL, 32712

More Information

For more information, or if you have any questions or concerns, please feel free to give us a call or shoot us an email with the contact information provided below! We look forward to seeing everyone next weekend and sending full boxes of supplies back to the Bahamas!

socialbhg@gmail.com

321-348-8720

12301 Lake Underhill Rd Suite 111, Orlando FL 3282

How To Get Your Home Ready to Sell? Follow These Simple Steps.

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 25 Sep 2019 17:30:16 GMT

Getting your home ready to sell can be stressful to say the least. You want your property to sell fast & at top dollar (don’t we all). Here are some simple steps to get you home ready to impress potential buyers, and get those offers flooding in.

STEP 1:

Declutter Your Space: This is an extremely important step towards sparking the interest of potential buyers. No one wants to walk into a cluttered house and try to imagine what it would look like without those bulky boxes collecting dust in the corner. This is the time to sort through all your belongings and be realistic with yourself on what needs to go. If you haven’t used it in a year or two, it is likely you don’t even remember it exists, so do you really need it? Probably not. Potential buyers are going to come through your house and go through every closet, cabinet, and door that exists, so shoving it in the guest room closet isn’t your solution anymore (they will look there too!). It’s time to let go of those items that are taking up valuable space in your home. Trust me you will feel a weight lifted off your shoulders after you get rid of a few things or even better, donate them to charity. In this case less is more, the less clutter the more neat & tidy your house will look.

STEP 2:

Clean, Clean, Clean!: A CLEAN house is essential if you are trying to make a good impression. I cannot express this enough. No one likes a dirty house, and no wants to buy a house they perceive as dirty & smelly. It is similar to buying a used car, you don’t mind that you aren’t first one to own it as long as it feels like you are. It’s time to break out the mop, vacuum, Swiffer and go to town. You want this baby to sparkle & shine. Clean the obvious places like the floors, windows, bathrooms, bedrooms and living areas. You also want to make sure to have a clean kitchen, this includes cleaning your appliances. Remember, your buyers are looking at and in EVERYTHING. That being said, it is time to clean out your microwave, oven, and fridge. Make sure everything is clean and smelling good. I promise that a clean house is imperative to selling your home.

Step 3:

Fixer up: I’m not saying do a complete update on your house right before you are about to sell it, but if there are obvious holes that need to be patched, than it is to your best interest to take the time and fill them. If the paint in your bedroom is flaking, breakout the can and add a fresh coat of paint. This might sound silly considering you are making repairs to a house you are about to leave, but it can really make a huge difference in getting top dollar for you home.

Step 4:

Staging: Staging your home for potential buyers can make a big difference in creating buyer appeal. Staging makes the property come to life and is a great way to create a visualization of their life in this home. Depersonalize your home. You want to take down any personal pictures, the last thing people want is to look at photos of your friends and family while they are trying to visualize their life in this home. You want to make everything look clean, clear, and put together. The goal is to make the space look pretty, not personal.

Step 5:

Presentation is key: Lastly, once you’ve decluttered, clean, repaired, and staged you home, it is time to make sure each and every room in the house looks presentable. You want to show off you home in the very best way possible. Make sure all the beds are made, fix the pillows and couch cushions, and fix the curtains. Turn all the lights on and open the blinds, this makes each space look inviting and appealing to those coming through. Make sure your house is clean and tidy and make sure it smells good. Light a few candles or use some wall plug in to make the spaces smell great. Make the first impression a lasting one!

Putting your house up on the market can be stressful, but if you follow these easy steps it can make a huge difference in getting you the offer you are wanting & quickly.

Sourced from: https://www.chatfieldcourt.com/how-to-get-your-home-ready-to-sell/

What to Know About HOA’s

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 25 Sep 2019 17:04:44 GMT

We get this question a lot. Should I try to find a home that is not in a HOA? What are the benefits of an HOA. Well, many people will tell you that paying those HOA fees is pointless and to find a home without it, but many people can also tell you otherwise. Just like anything, HOA’s have their upsides and downsides, but it’s up to you to determine whether or not living in an HOA area is right for you!

What is an HOA?

Home Owner Associations (HOA) are simply an organization in a neighborhood, community, or condominium complex that makes and enforces rules for the properties and their residents. When you buy a home in an HOA, you are required to be a member and pay a set of monthly and/or annual fees, as well as keeping up with assessments that may be brought to you.

Pros:

Amenities: One HUGE pro that everyone usually enjoys about having an HOA is the amenities that they can offer. Such as community pools, gyms, game rooms, and more! The perk of having these things within walking distance of your home can be a game changer. Maybe you don’t go to the gym as often as you’d like because it’s far and you’ll have to get up way earlier to make it. Well if your HOA has a gym, that’s no longer an issue! One of the most attractive amenities though, is a pool. Most people would love to have a pool in their backyard, but those expenses can add up tremendously! But with an HOA, you’ll no longer have to worry about that expense, and you can take your family to the pool any day you’d like!
Reduced responsibility: Another perk of having an HOA is that a lot of work is done for you. Home Owner Associations tend to hire contractors to do the work that most people don’t want to do. This usually includes lawn maintenance, snow removal, trash pickup, etc. This not only takes out the work for you, but it makes these jobs cheaper. Instead of paying contractors each time you need jobs done such as cleaning gutters, mowing the lawn, exterior maintenance, etc., you’ll only pay a set amount per month for ALL of these services!
Upkeep: One of, if not the best thing about an HOA, is that they help maintain and keep up with properties. As an HOA, they want to keep the value and appearance of the community in the best possible shape! While this means there will be a set of rules in place, this also means the likelihood of your property value decreasing is much lower. Another upside to having these rules is, if you have that ONE neighbor who breaks all the rules and is very disturbing, they won’t be around for long. This allows for a better overall experience within your community.

Cons:

They can foreclose on your home: This is a BIG one! Most people are very uncomfortable with the fact that an HOA has this kind of power, but just like a landlord can evict a tenant for not paying rent, an HOA can foreclose on your home. If you’re late with your HOA fees or have a significant unpaid balance, your HOA will have to decide how they’re going to get their money. While rules and procedures will vary by state, and foreclosure is a “last resort” form of collecting payments, it is highly recommended that you don’t miss any HOA fees to avoid losing your home.
HOA’s can create assessments: The unfortunate matter of fact is that HOA’s are usually very underfunded. This results in any association to take extra steps to gather funding for their projects, and since the beneficiary of these projects happens to be the homeowners, that is who they go after for the money. These assessments can be sprung on you at any time for any reason, whether they’re building a play ground for the local children or they need to fix the roads for safety. The HOA will ask you for a set amount of the funds to make sure the job gets done. Just like we mentioned before, if you do not pay these assessments, HOA’s can take legal action such as placing a lien on your property. It’s important to take a look at your HOA’s budget before moving in to determine how much you will likely pay in monthly/annual fees as well as any assessments that may come up.
Rules: The rules set by an HOA can be a determining factor for anyone. Unfortunately, these rules can vary from what types of shrubs/trees are allowed, what pets are allowed, and even what vehicles are allowed in the neighborhood. HOA’s are especially evil for investors because most associations will not allow the owner to rent out the property, and if they do allow rentals there are very specific guidelines in which to follow. These rules are the cause of many homeowners having a hefty fine to pay. It’s just as important to view the rules of an HOA as it is to view the budget. You want to know every in or out of the rule book so you do not rack up any fees just for throwing out a certain product or planting a specific tree in your yard,

All in all, Home Owner’s Associations can be very helpful in maintaining and increasing the value of a community. If you’re not careful, an HOA can be the reason you lose your home or have a big bill to pay each month. Our best advice for HOA’s is to talk to your Brown Home Group agent about which community/HOA would be right for you.

Written By:

Blaine Wyker

Brown Home Group @ Keller Williams Advantage II Realty

Sources:

https://www.bankrate.com/real-estate/hoa-homeowners-association-rules/

https://www.investopedia.com/articles/mortgages-real-estate/08/homeowners-associations-tips.asp

https://www.allstate.com/blog/homeowners-associations/

7 Ways to Upgrade Your Deck

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 10 Sep 2019 16:48:40 GMT

You have had a deck for quite some time now , and as the main gathering place for BBQs and backyard bashes, your deck deserves a little TLC after being exposed to the harsh elements all winter long.

Don’t worry! You don’t need to shell out big bucks to elevate your outdoor living space. In fact, DIY deck projects are easier than you might think and can even increase your home’s value . All it takes is a little creativity, the right tools for the job, and perhaps a weekend or two, and you can completely transform your deck into a dreamy outdoor oasis.

Whether you’re sprucing up your deck because you are selling your home or you want to turn your deck into an al fresco dining spot for the family, there are plenty of DIY projects that will instantly take your deck to another level. Read on to discover 7 DIY deck inspiration before you throw your next outdoor soiree:

1. Bring Out the Pressure Washer

When was the last time you pressure washed your deck? If the answer is never, then it might be due for a good washing. A pressure washer can help revive a worn-looking deck by removing the dirt and debris that have seeped into the material.

If you don’t own a pressure washer, don’t sweat it—just rent one from your local home improvement shop. Be sure to prep your outdoor flooring beforehand and read the instructions on how to use a pressure washer safely.

It’s also important to note that if you have a soft deck, pressure washing can potentially cause gouging. Stick to using pressure washers on your hardwood decking or composite decking only to be on the safe side.

2. Stain Your Deck

So, power washing your deck didn’t revitalize it much as you would have liked. Your next move is to try staining your deck to bring it back to life.

When it comes to staining a deck, you have plenty of options. You can opt for solid stains, which hide the wood grain while allowing vibrant colors or choose wood-toned finishes to enhance the natural appearance of your premium wood decking .

Again, be sure to do your prep work and read the manufacturer’s recommendations before you start staining your deck . Different decking materials have unique requirements that can impact the final result of your stain job.

3. Give Your Outdoor Flooring an Upgrade

One of the best ways to elevate your outdoor living space is by upgrading your outdoor flooring . With new decking, you can instantly revamp your space and build your outdoor oasis with a DIY deck design.

If you’re in the market for new outdoor flooring and want an easy DIY project, consider composite decking . Easy to install, low-maintenance and durable, composite decking is both a practical and stylish option for DIY homeowners. It’s also come a long way since the 90s and now comes in a vast array of style options, from sophisticated wood-look gray to mocha decking with hollow grooves.

4. Enhance Your Deck with Stylish Furniture

Adding patio furniture to your deck is a quick and easy way to showcase your style and add functionality to your outdoor living space. From cozy conversation sets to lounge chairs for relaxing poolside, your outdoor furniture will depend on both your style and the purpose of your space.

Don’t want to invest in brand-new patio furniture? Consider painting your old furniture a bold color instead. Cobalt blue chairs and side tables will pop against your outdoor flooring and instantly jazz up the space.

5. Set Up a Privacy Wall

Need some privacy from nosy neighbors? Create a privacy wall to shield you and your guests from view. There are several ways to do this, including a deck lattice wall. A wooden lattice wall can provide privacy while adding a stylish backdrop to your patio furniture. You can give it a romantic vibe with climbing plants and hanging blooms that add beauty and fragrance.

Another method to add privacy is by placing plants, trees, and accessories to block the neighbor’s view. If you arrange your furniture and planters just so, you can maximize your deck space while giving it a cozy feel.

6. Add Deck Stair Lights

During the summer, you’ll probably be spending more than a few nights out on your deck, enjoying the pleasant breeze. For times like these, deck stair lights are a great feature for homeowners to have.

Adding lights to your deck creates a cozy ambiance and helps you find sure footing when navigating your way up and down the stairs. In addition to installing recessed step lighting , you can also add railing lights to provide much-needed illumination.

7. Provide Warmth with a Fireplace

Installing a cozy fireplace on your deck can enhance the ambiance, provide warmth on cool nights , and offer prime marshmallow-roasting opportunities for you and your guests. Although setting up a fireplace on your deck is usually more expensive than setting up a fire pit on your patio, they can easily be worth the investment.

If you don’t want the hassle and expense of installing a fancy fireplace on your deck, you can always go with a portable fireplaceinstead. Portable fireplaces are ideal if you aren’t ready for a fireplace with all the bells and whistles.

Portable or not , the first thing you’ll need to do is check your local ordinances to ensure that your fireplace is legal. After you have the go-ahead, consider your style and choose a portable fireplace that matches your style. Just remember that portable fireplaces are a fire hazard and that you need to take precautions if you decide to place it on your deck.

Getting Your Outdoor Space Ready

You don’t need to be a DIY deck master to spruce up your deck. With the right decor and a few simple projects, you can create the ultimate outdoor living space which will certainly attract home buyers . If keeping your home for a while is in your plans, once you’ve put in the hard work, don’t forget to relax and enjoy your handiwork!

Brought to you buy:

Rick Brown

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How To Improve The Air Quality In Your Home

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 05 Sep 2019 16:39:05 GMT

The U.S. Consumer Product Safety Commission reports that air within homes and buildings is often more polluted than outdoor air in industrialized cities. Low quality indoor air can pose a serious risk to your health, which is why it’s in your best interest to improve air quality in your home.

5 Ways to Improve Indoor Air Quality

There are five simple steps you can take to improve the air quality inside your home. Here’s what you need to do:

Keep Your HVAC System Clean
Maintain the Right Level of Humidity
Surround Yourself With Greenery
Improve Airflow
Avoid Chemical Pollutants

Keep Your HVAC System Clean

You need to keep your HVAC system clean in order to improve your indoor air quality. Start with the filters, which remove contaminants such as pollen, dust, mold spores, and pet dander from the air inside your home. It’s best to clean or replace air filters whenever they look dirty, or about once every one to three months.

You can clean air filters on your own, but you may need a professional’s help to clean your air ducts. Getting your air ducts cleaned on a regular basis ensures that the air circulating through your home is free from pollutants.

Maintain the Right Level of Humidity

Mold, dust mites, and other air pollutants thrive in moist environments . To keep these pollutants out, maintain a humidity level of 30-50% inside your home at all times.

Humidity levels tend to spike in the hot, summer months and fall in the cold, winter months. You can use a humidifier to increase the humidity in your home in the winter and a dehumidifier to decrease the humidity levels in the summer. This way, you can always stay within the ideal 30-50% range.

Surround Yourself With Greenery

Plants remove toxins from the air and produce oxygen, so it’s a good idea to surround yourself with greenery.

If you want to improve the air quality in your home , consider building an indoor vertical garden with your favorite plants. You also have the option of strategically placing a few plants in the rooms your family tends to live in the most such as the kitchen, living room, and bedroom.

Another bonus? Having plants inside your home can boost your mood and improve concentration, too!

Improve Airflow

Buying A Foreclosed Home: The Pros and Cons

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 26 Aug 2019 16:32:09 GMT

The lender that forecloses on a home typically puts it on the market shortly after seizing it. If you are looking for a new home, you may see listings for foreclosed properties. But, before you make an offer, it’s important to learn about the benefits and drawbacks of buying a foreclosed home.

Here’s what you need to know:

The Benefits of Buying A Foreclosed Home

There are several benefits to buying a foreclosed home, including:

Better Deals
Clear Titles

Let’s take a closer look at each one of these.

Better Deals

Foreclosed homes are typically sold at a steep discount, which is the biggest advantage of buying one of these properties.

The lenders that own these properties are in the financial business, not the real estate business, so they do not have the tools or resources to manage real estate properties. They want to sell their foreclosed properties as quickly as possible in order to cut their losses. As a result, they are often willing to sell a home for less than its market value.

Lenders are usually open to negotiations as well, so if a foreclosed home is listed higher than expected, there’s no harm in making a lower offer to get a better deal.

Clear Title

Foreclosed properties typically have clear titles. If you are buying a foreclosed home , you should not have not to worry about liens, back taxes, or other issues caused by the previous owner.

The Risks of Buying A Foreclosed Home

The benefits of buying a foreclosed home are clear, but it’s important to understand the risks involved with this transaction, too. Some of the risks include:

No Inspection Opportunity
Poor Condition of the Property

Following, we will show you more details on each one of these disadvantages.

No Inspection Opportunity

Buyers that purchase foreclosed homes at auctions are often not given the opportunity to inspect the home prior to buying it. This means buyers could end up spending tens of thousands of dollars on a home they have never seen.

There’s no way to determine the value of the home or assess the repair work that is needed without seeing it first, which is why this is one of the biggest risks of purchasing a foreclosed home.

Poor Condition of the Property

Foreclosed properties are usually not in the best condition. Why? First, the property is often left vacant for months prior to the sale. Leaving a home vacant for this long can lead to a number of problems, including rodent and pest infestations and mold. If the home is in a cold climate, the pipes could also burst as a result of poor maintenance.

The previous homeowner may have damaged the house, too. Homeowners that know they are about to lose their home may intentionally damage the home out of anger.

Some frustrated homeowners choose to illegally remove expensive appliances from the home, whereas others cause more significant damage by pouring cement down the toilet or punching holes in the wall.

You will need to either make repairs on your own or hire a professional to help. If you are unwilling to commit the time or money needed to make these repairs, buying a foreclosed home is probably not the best choice for you.

How to Buy A Foreclosed Home

There are both pros and cons to purchasing a foreclosed home. To minimize the risks involved, it’s best to work with a Realtor® who has experience with buying and selling foreclosed properties.

Experienced Realtors® will know where to find the best deals, how to negotiate with lenders, and what terms to include in contracts to protect their clients. There will always be some level of uncertainty involved with these transactions, but working with a reliable Realtor® can greatly reduce the risk. If you want to reap the rewards of buying a foreclosed home, get in touch with a local Realtor® today to start the process.

Brought to you by:

Rick Brown

321-348-8720

How Minimalism Can Lower Your Bills

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 06 Aug 2019 16:22:38 GMT

Our lifestyles are busier than ever, and we have the go-to gadgets to prove it. Smartphones, watches, smart appliances and televisions, speakers, tablets…the list is so extensive that it’s virtually endless.

But all those gadgets, smart home appliances and tech savvy tablets and phones cost us money each month. Beyond, of course, just the carrier fees or internet charges.

Every gadget, appliance, fixture and screen costs money in electricity…or gas. Everything we plug in, turn on, heat up or cool down costs money. And those dollars add up quickly.

You might be screaming: “how do I lower my utility bills!!???” If your monthly electricity, water or gas bills are slowly sucking the budget dry, the solution is easier than you think.

Cutting costs means minimizing what we use. So it’s time to downsize :

Gadget time
Television time
Water usage
Electricity and gas usage

But embrace:

The 3Rs (reduce, reuse, recycle)
Sunlight
Good habits for kids
Off-peak electricity hours (research rates and/or programs with your utility company)
Decluttering (start with your bedroom , for example!)

If you’re freaking out and thinking there is NO way you can cut back, you’re probably wrong. Many of us take leisurely showers, plug in our phones throughout the day and waste energy in other ways.

Lowering your bills means making sacrifices. So let’s get cutting!

Electricity Overload

Technology rules our lives. It makes things easier, right? Those tablets, phones, smart watches and fitness trackers keep our lives together.

What did we do before tech took over? Well, we used paper. And pens. We plugged in less…a lot less.

If the electricity bill is like a lightning bolt striking your finances , here’s how to cut energy home usage :

Don’t leave gadgets plugged in for hours. Charge them during the night ( but not ALL night ) and during the day (as needed).
Turn off all the lights you don’t use.
Shut off tablets to save battery life when they aren’t in use.
Unplug all appliances not in use
Switch light fixtures to LED bulbs (they save energy and last longer!)

But wait! How do you go through the day only charging the phone…sometimes? Those batteries don’t last forever. Especially if you’re snapping photos or watching videos.

Yes, it’s true. Those batteries don’t last forever. But if you use them only as needed, they will last (theoretically) a whole LOT longer.

Minimalism means cutting down that phone and tablet usage. This also may help you embrace a more mindful approach to life. Less time on the phone and other gadgets snapping, texting or surfing means more time to read, talk to friends or engage in other ways.

Living minimally can help you take charge of bad habits. While you save on screen time, you can find other things to enjoy.

H2O: Less is More

Some people love a long hot shower. Double whammy for utility bills, though. A long shower uses more water, and turning up the heat means that you have to use either more electricity or gas.

Shorten that shower time. Buy a kitchen timer and set it for a set time. Aim for only a few minutes . Instead of hot water, opt for warm.

You also can save water by installing low-flow shower heads. If you love a hot bath, switch to a shower instead. Baths use up a lot of water.

Let the Sun In: Go Au Natural

Forget the fake light of bulbs. Go back to nature and embrace the sunlight ! Open the curtains to use Mother Nature’s lamp.

If you have houseplants or a vertical garden that loves the sun, be sure to place them in an area where they soak up all those rays. Plus, greenery is great for natural décor!

Reduce, Reuse…Recycle!

Get rid of all that paper, aluminum, glass and plastic waste , but don’t throw it away! Embracing minimalism means recycling anything that can enjoy a second life.

Be sure to research recycling in your area, so you know if there is a pick-up date for items or if you need to drop off recyclables at a specific location. Whatever you do, though, don’t toss out items that can be recycled!

Want to save more landfill space? Create a compost pile in your backyard with decomposing materials from the waste.

And never throw away old clothes. Unwanted clothing and textiles take up much-needed space in landfills . Instead, donate nicer items to a thrift store. Turn stained t-shirts into cleaning cloths. Old towels and blankets also may be donated to animal shelters.

Avoid Extreme Temps for the Thermostat

We all have a certain temperature that we love for our home. But even nudging that thermostat down or up a little bit in winter and summer may help save money.

You also may be able to program your unit to run less when you’re away (at work or school), or make your ventilation energy efficient !

And always remember to replace the air filter in your HVAC unit.

Teach Kids Good Habits

For families with kids, teach the importance of conserving energy . Make sure children turn off the faucet when soaping up their hands or brushing their teeth. They also should learn to turn off the lights when they leave a room.

Be Energy Wise When Cleaning Clothes and Dishes

Appliances like our washer/dryer and dishwasher can use a lot of water and electricity (or gas). Run the dishwasher with a full load . And you may even opt to wash clothes and dishes at ‘off-peak’ hours. So what are the more expensive times to run electrical appliances? You can go check with your utility provider to see electricity stats/rates for your area.

Downsizing ‘Stuff’

So what else can you minimize when you’re trying to lighten the load of bills? If you’re a family with multiple kids and multiple gadgets, it might be time to reassess what you really need.

Video Game Systems: Do you have multiple game systems? Do you need/use them all? Choose one (or two) at the most. Donate the rest.
Tech Gadgets: We’ve already gone over this a bit. However, many of us have multiple gadgets. Some families have LOTS of tablets and smart devices. Choose the ones you really need and use. Older versions might be donated or recycled.
Televisions: You don’t need one in every bedroom. Really, downsizing those screens may mean your family spends less time staring at them. Opt for one in the great room/living rooms , one in your master bedroom and maybe one in the basement (if it’s finished and a usable rec space).

Embracing minimalism isn’t just good for saving money on utilities , but it also may help you spend more time and energy on the ‘moment.’ Downsizing screens and opting for energy-saving life habits is easier than you might think. There are so many small habits we can embrace now to save money and live life a little fuller. So look around and see what you can change!

Home Improvement Contracts: Do’s and Don’ts

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 29 Jul 2019 16:12:38 GMT

Homeowners should never remodel their homes without first signing a home improvement contract . But, it’s not wise to sign on the dotted line without carefully reviewing the terms and conditions of the agreement.

What should you look for? What mistakes do you need to avoid? Here are the do’s and don’ts of home improvement contracts:

Do: Include A Detailed Job Description

A remodeling contract should contain a detailed description of the project. This description should answer these questions:

What changes are being made?
What materials will be used?
What permits are needed?
Who will obtain the permits?
What will be demolished?
Who will remove the debris at the end of the project?

The answers to these questions should be as detailed as possible. For example, let’s say you are installing granite countertops in your kitchen. The materials for this project should state the exact color and type of granite that is being installed and an estimate of how much of this material is needed.

If the description simply said “granite,” the contractor could choose whatever granite he wanted without violating the agreement.

Don’t: Forget to Set Deadlines

Many homeowners grow frustrated with their contractor because the remodel takes much longer to complete than they expected. Avoid this problem by including a start and completion date within the contract.

The contract should also outline the penalties that the contractor will face for missing the agreed upon deadline. But, you must be willing to make exceptions for reasonable and necessary delays.

For example, the contractor should not be penalized for missing a deadline because you wanted him to place a special order for custom material. However, if the contractor misses a deadline because he failed to show up to work for a week, he should be penalized.

Do: Plan Ahead For Potential Changes

You may need to make last minute changes to your plans in the middle of the remodeling project. Make sure your contract outlines the procedure for requesting and approving these changes.

For example, the contractor might find a hidden plumbing leak after he demolishes your bathroom. Fixing the leak was not part of the original contract, but it needs to be repaired to prevent further damage. The contract should outline how the contractor should notify you of this change request and what you must do to approve it.

If you don’t plan for potential changes, the contractor could make a number of unauthorized changes to your remodel project. You may not be happy with the way the unauthorized changes look or how much they cost. Protect yourself—and your wallet—by including this information in your home improvement contract.

Don’t: Pay Everything Upfront

The contract should include payment terms that outline the total cost of the project and the payment dates. Do not sign a contract that says you must pay the full amount owed to the contractor upfront.

If you pay everything upfront, the contractor has no reason to return to your home and actually complete the work. It’s best to pay between 10-30% of the total job upfront. Make another payment about halfway through the project, and the final payment once the job has been completed.

Do: Include A Termination Clause

It’s in your best interest to include a termination clause within the contract as well. This clause outlines when either the homeowner or contractor are allowed to terminate the contract without facing legal penalties.

Including a termination clause allows you to quickly end your relationship with a contractor who is just not working out. If you forget to include this term, you could end up getting stuck with a contractor who you are not satisfied with.

Transforming Your Home With A Simple Home Improvement Contract

Many homeowners think remodeling is stressful, but it doesn’t have to be a headache. Follow these do’s and don’ts to protect your finances, prevent legal disputes, and ensure your remodel goes as smoothly as possible!

Brought to you by:

Rick Brown

rick@brownhomegroup.com

1-321-348-8720

http://BrownHomeGroup.com

How to Safely Clean Mold in Your Home

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 25 Jul 2019 16:44:40 GMT

Mold is a common fungus that thrives in damp and humid environments. Home bathrooms are especially good environment for mold to spread. Thus, the importance for all homeowners to learn how to clean mold in showers safely.

Even if a little bit of mold develops in a shower, it will spread immediately and quickly. If you notice some mold developing in your shower, it is important to know how to clean mold in showers safely and quickly.

Here is a guide to help you know how to clean mold in showers effectively:

Different Types of Mold

There are many different types of mold that can develop in your bathroom and especially in your shower. They come in a variety of colors and some might be toxic while others may be non-toxic. Knowing which mold is in your shower can help you figure out the best and most effective way to remove it.

Pink Mold

Pink mold is not necessarily a toxic mold such as black mold. However, it does have some health risks associated to it when in close contact. It has been known to cause respiratory issues and urinary tract infections.

It is not actually a mold but an airborne organism that expands in damp environments like mold. Pink mold can be commonly found in bathtubs, showers, and grout. It can also be found in bathroom tiles and lining.

Green Mold

Green mold is both the easiest type of mold to see and toughest to identify. This is because there are different types of mold that are green in color. Green mold especially likes to grow on decomposed vegetables and spoiled foods, especially citrus fruits.

Green mold can develop with toxic black mold in environments that are continuously damp such as rooms that have been flooded or have a leak. Thus, showers are a prime environment for green mold to develop.

It is important to know how to clean mold in showers that might have green mold growing because this mold can lead to many health problems. Aspergillosis is a lung disease caused by breathing in large amounts of mold spores.

White Mold

White mold is a very common mold that can be found in drier environments as well such as carpet, dry wall, and wood. White mold in showers can often be difficult to identify because of its light color. White mold will also have a feathery or powdery texture.

Because many homeowners do not identify white mold as quickly as other molds, it can often be the source of health issues in homes. White mold can often be more dangerous than the more well-known black mold. It can cause allergies, respiratory infections, headaches, and nausea.

Red Mold

Red mold is most commonly found in bread but can also prosper in showers because of the humidity. It is also commonly found on shower curtains, tile, and grout. It can thrive alongside green and black mold.

Red mold has the same respiratory health issues that other different types of mold can cause. It is important to know how to clean this mold in showers safely.

Black Mold

Black mold is the most well-known household mold. While it is most commonly thought of as toxic, not all forms of black mold are toxic. You are most likely to find black mold in bathroom walls especially those that might be exposed to a water leak.

Black mold, whether the toxic variety or not, can be dangerous to your family’s health. It is important to know how to clean mold in showers safely and to effectively remove black mold in bathrooms.

What Causes Mold

In 2009, the World Health Organization conducted a study of the correlation between damp indoor environments and respiratory issues such as asthma. Dampness and humidity are the main causes of mold .

Humidity in the home is often found in areas such as bathrooms and showers. In order to prevent mold from developing in these environments, it is important to use a dehumidifier to help create a drier environment. It can also help to shower with an open window to help keep your bathroom well ventilated.

Leaks within your walls can also cause mold to develop in your home. Shower and bathroom walls are especially susceptible to water leaks. It is important to detect these leaks early on by checking for water stains and to know when your pipes might need to be replaced.

Cleaning And Preventing Mold

Informing yourself on how to clean mold in showers safely involves knowing the best techniques to remove mold and to prevent it . No matter what you use to remove and clean mold in showers, it is important to wear protection from being exposed to spores that can affect your health. Always wear protective gloves, face masks, and even goggles when cleaning mold.

The earlier you identify mold in your shower the easier it will be to remove it. Start off with gentle and natural cleaning agents before resorting to bleach. In a spray bottle mix together vinegar and baking soda and then apply liberally to the area. In larger surface areas of your shower you can simply wipe off the solution with a cloth or sponge. In smaller areas such as grout you may want to use a small brush such as toothbrush to scrub the area clean.

If you find that the mold is still developing after using this solution, using a stronger chemical based solution such as bleach or hydrogen peroxide might be more effective. These chemicals can also offer a stronger solution to prevent further mold growth. Another simple but effective way to prevent mold growth is to clean your shower weekly and air out the shower to prevent excess humidity.

Identifying different types of mold and knowing how to clean mold in showers can help you to eliminate potential health risks in your home. Mold may be a common household issue but it can easily be prevented with effective measures.

Source: https://www.homeselfe.com/how-to-clean-mold-in-shower-safely/?agentid=9564&fbclid=IwAR3OZKwS48CtlSuL04mX7PDjYbAa7Y_udfWxhauOH3SCGYg-49FWGRqMteg

How to Stage Your Home for A Quick Sale

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Wed, 24 Jul 2019 16:36:04 GMT

Staging is one of the most important things you can do for your home (and yourself) if you’re selling. It’s going to increase the buyer appeal of the inside of the home, create better first impressions, and ultimately help the buyer visualize their new life in your home. While there are companies that do staging tasks, you don’t always need to hire the professionals if you’re on a budget. Check out these home staging tips that you can do on your own with a smaller budget.

Highlight the best features

When you’re staging/decorating/renovating, make sure you highlight what the home has to offer. For example, if your home has a fireplace, organize the furniture in a way the makes the fireplace the focal point of the room. If you stage correctly, you can use staging to direct the buyer’s attention wherever you’d like it to be.

Lighting is huge! Do whatever you can to let in as much natural light as possible and turn on all the lights to allow your home to appear bigger and brighter. Some experts say that staging mirrors strategically can allow it to reflect light in a way that makes the room look more spacious. If you’re painting, consider using brighter, more neutral colors to attract a wider range of buyers. We have a list of the top 5 color schemes for homes that are for sale to help our sellers attract more buyers, if you’re interested, give us a call or visit our social media profiles.

Declutter and De-personalize

As a buyer, you wouldn’t want to walk into a filthy mess in the home you’re looking to buy right? So don’t allow your potential buyers to walk into your home without tidying up and making your home presentable! The best thing you can do is take all the trash and excess items from your home. You will want to go through just about everything you have and determine what you need, what you don’t need, and what can sit in storage. Obviously, everything you do not need should be sold or thrown away, and anything you can live without for the time being should be put in the attic, in storage, and tucked away nice and neat.

Another crucial part to staging your home is taking away all the personal items. Pictures, portraits, memorabilia, etc. should all find it’s place in storage for the time being. The reason is because buyers are coming to look at your home with the intent of making an offer and moving themselves in, and when they see all of your family photos and other sentimental items the last thing they can visualize is their sentimental items and family photos in the home. These personal items can distract them from what the home actually has to offer for them. Also, some buyers can feel uncomfortable viewing a home with a bunch of personal items because it feels like they’re intruding.

Decor

When decorating your home, you want to be very careful in the decor that you choose. You want to choose things that will simplify your home, catch a buyer’s attention, and help them visualize a better life in your home, but you don’t want to choose things that are going to offend or detour your buyer. You’ll want to choose color schemes carefully as well. When choosing drapes, pick colors that compliment and emphasizes the room’s color(s). Likewise, when choosing bedding, experts recommend very nice, white bedding to reflect a peaceful ambiance in the master bedroom. Same rule applies to the bathrooms. Try to choose simple color schemes that emphasize the color scheme of the bathrooms, such as white or solid colored towels/curtains and stainless steal/porcelain accessories like soap dishes and tooth brush holders.

Another option you have for areas like the kitchen, is to upgrade smaller items such as drawer/cabinet hardware, accessories on the counter, and appliances. Updating the hardware will make your kitchen look brand new and add significant value to your home! Some experts recommend a full kitchen remodel, depending on your budget, to add extreme value to the home considering the kitchen can have some of the biggest influence on the buyer’s decision.

Landscaping

Curb appeal is hands down the MOST important aspect of the exterior of your home. Curb appeal refers to what someone sees from the curb of the street to the front side of your home. This includes shrubbery, landscaping, lawn maintenance, etc. To catch your buyer’s eye, consider adding a fresh batch of mulch, or getting some of the unappealing trees/shrubs removed. Depending on the time of year, you will want to research what plants and flowers are in season and determine what your best option is. For example, if it is summer time, you may want to add extra mulch to retain the moisture your plants will need to survive in the heat. You can also research what flowers/plants are in season and popular for curb appeal.

Conclusion

While cleaning, upgrading, and staging is not required by any means, it might as well be. Without staging and setting up your home for potential buyers, your chances of selling decrease dramatically. At Brown Home Group, we have multiple staging resources at our disposal, as well as years of experience and knowledge in the industry. If you’d rather hand over the tedious task of home staging to someone else, feel free to reach out for some assistance!

Email: rick@brownhomegroup.com

Phone: 321-348-8720

Tips for Your First Mortgage

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Fri, 19 Jul 2019 23:36:27 GMT

A mortgage is one of, if not THE most important aspect of buying a home. If you can’t get a loan then you can’t buy a home, unless you’ve got the cash of course. But who has a couple hundred thousand laying around ready to spend? Not many. We would like to educate you on your mortgage options and how to best prepare yourself for pre-approval and the entire lending/mortgage process.

What types of loans can I apply for?

There are plenty of different loan types, but when it comes to mortgages, there are 3 main ones you are going to consider applying for. Those 3 are Conventional loans, FHA loans, and VA loans. All have different requirements and contingencies, so you will want to know more about each of them to understand which will better suit your needs.

1. Conventional

These loans are not government backed loans and are typically fixed-rate mortgages. Meaning the payments are fixed and never change. Conventional loans can be the most difficult to qualify for considering they have stricter requirements, larger down payments, higher credit scores, and more. These loans may also need private mortgage insurance and that can be costly. One thing to ask your lender when doing a conventional loan is whether the loan will be conforming or non-conforming.

2. FHA

FHA loans are part of the U.S. Department of Housing and Urban Development that can provide multiple different loan programs. These loans are federally backed and usually require lower down payments (as low as 3.5%) and less credit requirements, making them much better for first-time home buyers.

3. VA

VA loans are guaranteed by the U.S. Department of Veteran Affairs for loans made by qualified lenders. Before applying, you will want to request eligibility from the VA, and you can apply for loans with low to know down payment, and very good terms. There are special requirements and restrictions on these type of loans in some cases, so talk to your lender or the VA for more information.

Fixed vs. Floating-Rate Mortgages

Something you will have to consider is whether to pick a fixed-rate or floating-rate mortgage. The benefits of a fixed-rate is that the payments stay the same throughout the entire lifetime of the loan.

Floating-rates on the other hand, offer adjustable interest rates and principle payments. Usually these types of programs are to help first time home buyers that expect to see an increase in income over time. They start out with low introductory rates that will increase later in the loan term.

These can be risky though. Considering the loan rate will be linked to a future market, there is no real way of indicating what the future rate will be, and if you’re unlucky you could get stuck with an extremely high interest rate later in the loan term. These are all things to consider while shopping for a mortgage, but talking to your lender/agent may better help you understand which options are best for YOU!

What do I do to get lower rates?

1. Credit score

Everyone knows credit score is one of the main determining factors in your loan rate. Make sure to check your credit report and fix any and all errors that are present. This will increase your chances of getting a loan and the loan amount, as well as decrease your rates!

2. Create a record of employment

Lenders like to see a solid history of employment. Typically, they want you to have held your current job/income for at least 2 years to show steady, reliable income, indicating you’re likely to pay on your loan. Make sure you have some pay stubs and W-2’s ready to go! They will need this for proof of employment.

3. Down Payment

A lot of times, lenders will have a required down payment. Depending on the lender and the loan type, the down payments can vary, but for the most part lender will want 20% down. While you can put down less than 20%, most lenders will then require Private Mortgage Insurance which will increase your payments.

Your best bet at getting low rates is to try to have as close to 20% (or more) as you can. The sooner you can pay your loan down less than 80% of your home value, the faster your rates will drop and the less you will pay! Talk to your lender about different down payment options and plans!

4. Lock in Your Rate

When you finally secure your loan and sign the Home Purchase agreement, the VERY FIRST thing you need to do is ask your lender to lock in your rate. Reason being, the closing process can take weeks or months, in which time the market can fluctuate. The last thing you want is for your rate to increase just because the market shot up while you were waiting on the closing. So make sure you have a talk with your lender about maintaining the rate you agree on during signing.

Conclusion

Obtaining a mortgage can be a hard and long process, but with the right people around you, it can be done. Of course, you will want to do your own research and find a loan option that best fits your needs, but for the most part these tips should help you with that process. If you’re looking for a great lender to work with, we recommend Home First Lending for those of you relocating in the Central Florida area. Nick at Home First Lending is amazing and does the best he can to get all of our clients a good deal. Depending on your area or situation, you may want to talk to your bank or maybe even a friend for a loan. If you ever need assistance in buying a home or finding a mortgage loan, Brown Home Group has you covered! Give us a call!

321-348-8720

Sources:

https://www.bankrate.com/mortgages/how-to-get-the-best-mortgage-rate/

https://www.investopedia.com/articles/mortgages-real-estate/08/homebuyer-financing-option.asp

6 Hottest Locations for Property Investment Right Now!

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 15 Jul 2019 23:25:27 GMT

While it’s not completely possible to predict which places will see a huge surge in home values, such as Seattle or San Fransisco in the past 10 years, factors like economic outlook and population growth are clear indicators that an area will have potential for real estate growth. Using this data and other sources of information, we determined that these 6 places of the best for long term investment!

Orlando,FL

With coast to coast sandy beaches, tourist attractions, retirement facilities, and more, Orlando has been on the radar for quite some time. With all of the attractions such as shopping malls, the infamous Universal and Disney theme parks, and plenty of other attractions, this place relies on tourism. This means great things for real estate. The opportunity is ENDLESS, so consider putting your investment money into a nice little home in Central Florida.

Las Vegas, NV

According to Realtor.com, due to mass relocation to the area Las Vegas has seen a substantial increase in home value over the last year! The expected growth is said to be around 7.9 percent by the end of the year. If you’ve got an investment account, take yourself to Sin City and check out the potentially hot real estate market!

Phoenix, AZ

According to Holly Tachovsky, the CEO of BuildFax, Arizona has been a hotspot for investors recently. With it’s popular history and the old, established neighborhoods, lots of investors have had a keen eye on the market. They tend to watch the prices and rents, while getting to know the residents and becoming familiar with the communities. If you want to put your money in AZ, make sure you do your research to find the right deals, rental rate, and profit margins.

Denver, CO

Colorado has been a tourist attraction for years on end, and it won’t slow up anytime soon. In fact, statistics are showing mind blowing real estate growth, up to a 5% increase in less than a year. With it’s growing economy, rise of the cannabis industry, and jaw-dropping outdoor scenery, millions have decided to relocate to the beautiful city of Denver. Luckily, there is still time to act before the market is over saturated.

Cleveland, OH

This one flies under the radar in most cases. Though, within the last decade, Ohio has seen close to $20 Billion poured into varying forms of development due to the low house prices, even though the economy has a strong job market. Since most investors are over looking this Midwestern pot of gold, it may work in your favor to invest your money into a Cleveland property and reap the benefits!

Texas

Last but not least, the entire state of Texas has shown rapid increase in real estate, and almost anywhere in Texas could be a good idea to invest some money. Surprisingly, 7/15 of the cities with the most significant population growth have been in the Lone Star State. This has been a hot spot for investors for years, but it’s not too late to stick your foot in the door!

We hope you found some value in this blog! If you’re interested in finding a solid investment property within Florida, give us a call @ 321-348-8720 to get an insight on what properties and areas have the best potential for your needs!

Sources:

https://circulate.it/r/Ns6wWKq4rPhXrfV4jjvnq2xX5csyiavAPk4AjNW8yG4Tw-5Y7pDIqptGY7r0rXDR/www.inman.com/2019/07/02/these-are-the-hottest-cities-for-property-investment-now/?utm_source=inbriefselect&utm_medium=email&utm_campaign=inbrief&utm_content=738532_image_0_20190702

What’s Stopping Your FSBO From Selling?

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Thu, 11 Jul 2019 23:19:27 GMT

When it comes to selling your home, there’s simply TOO MANY factors that come into play for someone to do it all on their own. Statistics show about a 20% average increase in sale price when people sell with an agent. Not only do homes sell for more but they get off the market FASTER!! If you’re thinking about selling your home, read this article before deciding to sell it by yourself.

Lack of Resources

As a homeowner, you have your own career, life, and responsibilities to take care of. The last thing you want is to add the full time job of being your own real estate agent to your list. In order to sell a house and find potential buyers, you need lots of time, marketing resources, and more that you may not have access to. Do you have that kind of time to dedicate to finding buyers and solving problems with inspections, title searches, etc.?

Another common misconception is about “saving money”. Homeowners tend to think they will save money by not paying a commission to an agent. In reality, if you don’t know your way around a real estate transaction, you could spend double or triple what you spend with an agent. This can come in the form of a marketing budget, home repairs, staging costs, and more! Instead of spending all of your money on this, hire an agent that can market your property for you, stage it for you, and help you determine which repairs ACTUALLY need to be made for the sale to go through!

Speaking of lack of resources, even if you do have thousands of dollars to market your home, the one resource you lack is experience. Selling a home is hard enough as it is, without experience in the industry and understanding the market and your consumers, it lessens your chances by a big margin. Last year, 18% of FSBO properties didn’t sell at all. This can cause major issues if you have a strict timeline in which your home needs to be sold.

FSBO is scam-likely

In an FSBO situation, both buyers and sellers can get scammed. For example, Mark (a previous client) paid a homeowner of an FSBO $5,000 for a earnest deposit, the homeowner changed his mind, and with no legal documents signed, Mark lost his money. This can happen vice versa as well. There’s been cases where a foreign buyer will deposit more than the required amount with a bad check, then request a refund. As a result, the seller loses money due to not having the funds that were “deposited”.

Scams can also come in the form of fraudulent paperwork, fake attorneys, etc. This problem can be completely eliminated with the use of a real estate agent. An agent will know the difference between real and fake paperwork, deposits, appraisals, etc. They will also guide you on how to avoid getting scammed by fraudulent buyers.

Legal Troubles

It is also very common for FSBO deals to run into legal issues during or after the transactions. One of the most important aspect of an offer is it’s contingencies. Contingencies are like conditions that allow buyers/sellers to terminate a contract if these conditions are not met. Such as appraisals, financing, and inspection requirements. Without these being done correctly, you, as a seller and buyer, lack the protection you need in case something occurs.

Something to take into consideration is disclosures. As a seller, you need to know what you do and do not need to disclose to the buying party in order for your transaction to be valid and not add any extra responsibilities to your side. For example, sellers MUST disclose all and any material defects in the home. If the seller does not disclose this information and the buyer is unaware, the seller could be solely responsible for all the repairs.

On top of the legal liabilities and risk, you have to handle all the legal paperwork. This means you need to know how to write a sale contract, property disclosures, occupancy agreements, and more. This alone is enough to drive some owners straight to the nearest brokerage. All in all, seeking a consultation will at least help point you in the right direction.

Conclusion

Your best chance at having a completely smooth real estate transaction is to find the best realtor in your area. If you’re in or near Orlando,FL, you’re in great hands with the Brown Home Group at Keller Williams Advantage II Realty. We would love to hand you the keys to your new home! If you have any questions or concerns about your FSBO listing feel free to reach out to us or visit our website!

Phone:321-348-8720

e-mail:rick@brownhomegroup.com

website: www.brownhomegroup.com

Polybutylene Piping and What You Need To Know

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Tue, 02 Jul 2019 16:12:07 GMT

Over the past few weeks, with multiple transactions in the works, we have noticed a HUGE issue with polybutylene piping in the Central Florida area. A lot of the time, our clients had no idea their house had “poly” and that it was costing them a fortune. So we’re here to save you the time and money that poly piping can cost you!

What is polybutylene piping?

Polybutylene piping is a type of plastic resin that was used in the building of water supply piping throughout the late 70’s and into the early 90’s. It was believed to be the “pipe of the future” due to it’s low cost and ease of installation. It was primarily used in places like Florida, where construction boomed in the 80’s. Statistics show that at least one of every four houses was built with polybutylene piping, meaning that A LOT of people can have a potential issue with their water supply and piping.

What is the problem with polybutylene?

The problem with polybutylene piping is that it can burst, deteriorate, and malfunction under many different circumstances. Often times, oxidants such as chlorine that are found in the public water supply can react with the polybutylene and cause it to deteriorate and/or micro-fracture, which results in a weaker infrastructure of the piping system as a whole. A lot of cases have shown improper installation in homes and commercial properties that have also caused damage. Many cases were filed about polybutylene piping and the damages it caused, but until 1995, there was no regulation on it and it’s use in piping systems across the nation. That is until a $1 Billion lawsuit filed between Cox vs. Shell Oil in 1995. Following this lawsuit, the U.S. Building Codes no longer accepted polybutylene piping and manufacturers agreed to no longer produce the product.

How does this effect me?

You need to be aware of polybutylene whether you’re buying, selling, or investing. Not only can it put you and your family at risk, but your entire property can be severely damaged. Once a polybutylene pipe/piping system has acquired enough micro-fractures due to disinfectants, oxidants, etc. the piping will rupture and cause serious structural damage to both a home/office building and the personal items inside. These are also dangerous because you can hardly detect it before it’s too late. The piping is underground and not visible until it has already caused detrimental damage. Unfortunately, since poly piping isn’t accepted by U.S. Building Codes, insurance won’t cover much of it. Therefore, if you have poly and it ruptures, damaging your home, the average deductible is around $50,000, much more than most people can afford out of pocket.

Another reason you should consider your piping is because polybutylene can dramatically decrease the value of your home due to the liability of it rupturing. When selling you may want to consider replacing it before the sale to guarantee a good sale price that you deserve. Vice versa, if you’re buying, you may want to ask the seller to replace the poly piping before you close on the home.

If you have any questions or concerns about your home or the piping you might have, feel free to reach out to a local plumbing company or call us at 321-348-8720 and we can help you further!

How Do I Know Whether or Not to Buy A Home??

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 01 Jul 2019 16:03:48 GMT

In most cases, it can be difficult to determine whether you want to or even should buy a home. There are quite a few factors to consider when you’re deciding what to do about your living situation. Do I buy? Do I continue to rent? How do I even get started with buying a home? All these questions you may have, and Brown Home Group has more than enough advice and experience to help you come to a decision.

The most important thing before buying a home is being educated on the process, the benefits/drawbacks, and the ins and outs of buying a home. Which is arguably the biggest purchase of one’s life.

1. Finances

If you’re going to buy a home, their are a couple things you need to ask yourself before hand. At times, this can be one of the hardest parts of the home buying process, but finances is probably the single most important aspect of making the decision to buy a home.

-Do I have the savings for a down payment?

-What type of financing will I need?

-How much do I make monthly/annually?

A lot of factors come in to play with finances as well. Different financing options have different down payment requirements, different flexibility of payment, insurance options, and more. The best chance you have is finding the best REALTOR in your area to get the most trustworthy education on the current market, mortgage rates, etc. It can be in your best interest to ask a family member or friend for a reference, this way you will feel more comfortable handing over the process and your information to a professional.

2. Future Stability

Another thing to consider is the stability of your finances and living circumstances in the future. Are you living paycheck to paycheck? Is it possible your job can relocate you? Do you plan on being on the mortgage alone or sharing with a spouse/family member? One of the most important things to have before buying is not only savings for a down payment, but a separate emergency fund to support you in the case that anything bad happens, like a loss of employment, family emergency, natural disaster, etc. These extra funds can also assist in covering closing costs, upgrades, moving expenses, and more.

3. Credit Score

Credit score is HUGE! Most people know this, but what most people don’t take into consideration is maximizing their credit to get the best deal on a mortgage loan. Even if you have the savings, emergency fund, and substantial income, sometimes it may be wise to boost your credit as much as possible to get the lowest rates you can. Some ways to improve your credit can be paying down debt, having inaccuracies removed, and avoiding new credit lines. Doing this can actually improve your mortgage rates, the amount you qualify for, and will also give you extra time to get everything in order. Such as deciding what you want and need in a home and where you want to be located.

4. The Current Market

Not only do you want to know the condition of the current real estate market, but you want to know about the credit/loan market as well. Maybe everything as far as your income, ability to move, credit, etc. are more than enough to get you into your own home, but the mortgage rates are up. You may want to consider waiting it out until the rates go down to apply for a mortgage. Maybe the area you want is a little over priced and you should wait until the values shift downwards. These are not determining factors but definitely ones to consider as it WILL effect your homeowner experience. If you don’t know where to find this kind of information, reach out to a referred agent or visit Brown Home Group in Waterford to get a better insight on the current market.

5. Commitment

If you’re one to be afraid of commitment, we recommend that you take a second thought about buying a home. Not only is owning a home a long time commitment to your finances and living situation, but you will solely responsible for your property. Unlike renters, when something breaks, you have to fix it. You also have the responsibility of maintaining your home and lawn. Considering some homes are in an HOA community, they may have certain landscaping standards that you have to keep up with. HOA’s can also put restrictions on the type of things you can have or do at your own home! Keep these things in mind while looking for your permanent residence.

Conclusion

There a lot of things to take into consideration before buying your own home. In most cases, your preferred REALTOR can help you find a lender, look at different property options, give you an analysis on the current market, offer any other advice that they think is necessary for your situation, and provide you with the knowledge and resources to make the best decision. Hopefully this helps you with making the decision to buy a home or to continue renter for your best interest.

First-Time Home Buyer Guide

chris.ha@bullsai.com (chris.ha@bullsai.com ) — Mon, 01 Jul 2019 15:41:48 GMT

In our last article, we covered what one needs to know and research in order to determine whether buying a home is right for them. For those of you that came to the conclusion that you should buy a home, this is the guide for you! We will go over down payment tips, home shopping, financing options, etc. so you have everything you’ll need to buy a home, besides a Realtor. That’s where we come in at Brown Home Group @ Keller Williams Advantage II Realty!;)

Mortgage Down Payment

As a home buyer, you have plenty of options when it comes to your mortgage down payment. In most cases, buyers put down at least 20% on their mortgage. Now, this number is very flexible but can have some conditions you may not prefer if you put down less than 20%, such as higher rates and having to pay for insurance. This is something you will have to play around with on your own, take a look at your finances and your savings account, from there you can find online mortgage calculators or have a talk with your lender!

Another thing you have to consider with this is your financing options.

There are 3 main mortgage options

–Conventional loan

A conventional loan can require as little as 3% down, and will conform to the standard set by Fannie Mae and Freddie Mac (governement entities).

–FHA Loans

Sometimes as low as 3.5% and is insure by the Federal Housing Administration. FHA loans have their own sets of requirements, so make sure to discuss this option with your lender.

– VA Loans

VA loans are strictly for Veterans and their spouses (under certain circumstances). These sometimes require no down payment at all and can come with tons of different perks.

Again, there are tons of different options and choices to make for your mortgage. You can make a smaller down payment for a higher monthly payment, or maybe a much bigger down payment to achieve a lower rate/monthly payment. There are also multiple different state and federal assistance programs for first-time home buyers, consider applying for the ones in your area.

Mortgage Application

First things first, DETERMINE HOW MUCH YOU CAN AFFORD!! This is the biggest mistake people can make when shopping for a home. People will apply or shoot for a higher loan than they know they could afford to pay. Determine your budget, THEN start shopping around for mortgages and lenders. Once you find the budget that’s right for you, you’ll want to compare mortgage rates to find the best deal. Try comparing at least 3 different lenders to make sure you’re not leaving money on the table. Make sure to ask about discount points to lower your interest rates!

The next biggest thing you need to worry about is your credit. Credit is absolutely crucial to getting a loan, and your credit score is going to determine your eligibility and your rate. If it’s just you, cut any further activity on your credit, and do anything and everything you can to increase your credit score as much as possible. For couples, it can be a good idea to help each other. Consider helping your spouse fix their credit so you can both qualify for better loan terms and interest rates.

Pre-approval is something every home buyer should consider getting. Having a set loan amount to work with can make it easier for you and your agent to find you the home that works best for you. This also gives you leverage in the eyes of a seller compared to the buyers that did not get pre-approved.

Shopping for homes

When you’re shopping for a home, it’s best to have a buyer’s agent by your side. Not only will they have the resources to help you but they can get access to properties you cannot see! Luckily, at Brown Home Group, we take your best interest into consideration at all times. We want to make sure every bit of your wants and needs are met and you are satisfied throughout every step of your transaction.

Depending on your situation, you’ll want to look at different types of houses such as single-family, townhouses, condos, etc. Sometimes sacrificing space can benefit you by offering less maintenance and extra amenities. Ask your agent what the market conditions are, where the best locations are, etc.

Mistakes to avoid

When you’re a first time home buyer, there’s an endless list of mistakes that one can make. That’s why it is important to find experienced and knowledgeable agents to work with so you can minimize any issues or mistakes you make. Some of the most common mistakes go as follows:

not budgeting move in expenses
not budgeting closing costs
not negotiating
buying based on today’s circumstances
not purchasing good home insurance
getting the right home inspection

These are just a few mistakes that are made on a daily basis. Make sure you find someone to help you jump these hurdles and educate you throughout the entire process for your best interest.

Contact us here at the Brown Home Group @ Keller Williams Advantage II Realty to get a better understanding of how you can purchase a home ASAP! We would love to hand you the keys to the home of your dreams and look forward to working with you! Thanks for reading.

Phone:321-348-8720

email: rick@brownhomegroup.com

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