Ann Mealey Realtor

Ann Mealey Realtor Whether you’re looking to invest in a new property, need help selling your current one, or anything else real estate-related, I’m happy to work with you.

Whether you’re a first time home buyer with a lot of questions, or a seasoned seller that needs some assistance, I look forward to working with you and negotiating on your behalf.

01/27/2018

Yay finally here

https://www.facebook.com/PortSalernoSeafoodFestival/

The Port Salerno Seafood Festival was an incredible event spanning 14 wonderful years. The Port St Lucie Seafood Festival picks up were Salerno left off and continues with many of the same qualities & traditions. Good Food, Good Music and Good Friends!

Scott and I are looking forward to the annual Port Salerno Seafood Festival.http://www.portsalernoseafoodfestival.org
01/25/2018

Scott and I are looking forward to the annual Port Salerno Seafood Festival.
http://www.portsalernoseafoodfestival.org

Two Days of:Fresh Seafood, Live Entertainment, Nautical Vendors, Family Rides & Entertainment!Memorial Park in Stuart Florida 2017 Music Lineup DAY ONE: Saturday, November 18th, 2017 11am: Scott Benge 2pm: The Hollidazed 5pm: 56 Ace Band 8pm: The Bryce Allyn Band DAY TWO: Sunday, November 19th, 2017...

5 Tips for Buying A Home.
01/21/2018

5 Tips for Buying A Home.

Looking to buy a home? Here are five essential tips for making the process as smooth as possible.Get your finances in order.Start by getting a full...

01/21/2018
01/13/2018

If you want to buy a house but don't have oodles of cash lying around, you'll need to learn how to get a mortgage. Here are the steps.

Martin County Ship Program (first time home buyers)The Martin County State Housing Initiative Partnership (SHIP) program...
01/07/2018

Martin County Ship Program (first time home buyers)

The Martin County State Housing Initiative Partnership (SHIP) program is designed to provide Down Payment and Closing Cost for first-time buyers or to persons who have not owned a home within the last three (3) years. . Purchase of MOBILE HOMES ARE NOT ELIGIBLE. Home values cannot exceed $298,193. It is important to note that this program is a voluntary program and funding is limited and subject to availability on a first-come first served basis. Please follow the instruction on page 2 and drop off your completed application and copies of the require items listed above at the Martin County Health & Human Services, Attn: Housing, 435 SE Flagler Ave, Stuart, FL 34994. Incomplete applications will not be processed until all required documents are received. Once your application has been reviewed, you will receive a confirmation letter with further instructions. If you have any questions, please call the Housing Help Line at 772-221-1362. You will receive a call back within 48 hours.
Thank you, Anita Cocoves, Ph.D.,
CAP Health & Human Service Manager
Download Application
https://www.martin.fl.us/sites/default/files/meta_page_files/cdd-hou-_ship_downpayment_5-26-16_.pdf

This family home in your neighborhood recently sold 380,000 in 21 days.No Second Chances: Our 7-Step Plan to Making a Da...
01/07/2018

This family home in your neighborhood recently sold 380,000 in 21 days.

No Second Chances:
Our 7-Step Plan to Making a Dazzling
First Impression on Buyers
By Wendy Helfenbaum | Dec 6, 2017

1. 'Break up' with your house
If you want to sell your property, you’ll need to distance yourself from it first, says Ronique Gibson, an associate architect and lifestyle expert at Stagetecture.com in Jacksonville, FL. Cut the cord!

“Once you put your home on the market, it’s time to let a professional come in and market it,” Gibson says. “If you stay emotionally attached, the process will be harder and longer.”

2. Focus on curb appeal
You wouldn't wear soiled sweatpants on a first date—you'd go out of your way to look presentable. So why would you approach the process of selling your home any differently?

Your home's first impression starts with the exterior, so take a good look at what you're presenting to the world: What’s the first thing you notice? If it’s peeling paint, dirty windows, and dead plants, you have work to do, says Michael Rosenblum, a broker with Koenig Rubloff Realty Group, a division of Berkshire Hathaway HomeServices in Chicago.

“Ask yourself: 'If I was buying this home now, what would my expectations be?'" he says.

Remove debris such as fallen tree limbs and leaves. Keep grass and shrubs trimmed, freshen up the mulch in your flowerbeds, and clear away lawn clutter such as yard ornaments, garden tools, and that circa 2007 Big Wheel.

“Putting out some flowers in front of the house or by the front door always makes people smile; it creates the warmth before they even get inside,” says Rosenblum.

Invest in a new doormat, and consider replacing old address numbers and your mailbox if it’s worn or rusty. Patch cracks in the driveway and, while you're at, give the front door a fresh coat of paint.

3. Ditch as much of your stuff as possible
So now that you've addressed the outside, you have to work on your home's inner beauty. Decluttering is your first priority. So start clearing out the junk and depersonalizing the space—toss or hide mementos, kids’ drawings, and most knickknacks.

“If the seller has all their personal photos out, then the buyer usually gets distracted," Rosenblum says.

The main goal is for potential buyers to envision themselves in your home, and they can’t do that if your crap is everywhere they look. “All signs of you should be gone," Gibson says.

That said, take care to find a balance; you don't want the home to feel sterile—and you'll want to make sure that none of your rooms are completely empty, a tactic that tends to make a space actually look smaller.

4. Fix the broken stuff—all of it
This should be obvious, but perhaps even you've forgotten about that faulty light switch in the upstairs hallway. The thing is, buyers will notice it almost immediately.

So here's a mini to-do list to tackle those minor issues fast:

Check for leaks throughout the house. A drip may not seem important, but it suggests lousy maintenance elsewhere.
Check and repair loose door handles and cabinet hinges.
Caulk around tubs and sinks.
Replace lightbulbs that don't work. Yes, every single one.
Bottom line: Meet and exceed a buyer’s expectations by paying extra attention to the fine details.

5. Plan a small makeover that packs a punch
You might not want (or be able) to do major renovations before putting your property on the market. But if you focus your attention on the kitchen, bathrooms, and flooring, you can boost a tired home’s overall appearance without completely busting your budget.

“Homeowners can easily change out countertops and appliances, or paint cabinetry,” Rosenblum says. You may want to restain the floors or repaint the walls.

Keeping your carpets? Make sure to splurge on getting them professionally cleaned, especially in high-traffic areas—it'll immediately brighten a room.

6. Appeal to all the senses
Once your home is clean and decluttered, think about how you can engage potential buyers through other senses, Gibson suggests.

“Play soft music during showings, or have a nice water feature outside if you live in a noisy neighborhood,” she says. “Soft throws and textured fabrics will warm up a space. Brewing fresh coffee and baking cookies makes your house smell great.”

Remember not to clean your house the day of a showing; harsh chemicals can be overpowering, and may turn off potential buyers.

7. Keep up appearances—indefinitely
Unless you're in a red-hot market, your home might not sell immediately after it’s listed. Remember that every week, you might have potential buyers traipsing through—sometimes without much notice from your agent.

That means keeping up all these changes you’ve implemented—and not dragging out the massive toy bins, dog beds, and other daily life items you actually use.

While it might not be easy keeping your house in tiptop shape for days on end, try to remember that the effort you put in now will pay off later—when that one buyer is so wowed by her first impression that she makes an offer you won’t want to refuse.

Wendy Helfenbaum is a journalist and TV producer who covers real estate, architecture and design, DIY, gardening, and travel. Her work has appeared in Woman's Day, Metropolis, Costco Connection, Garden Collage, Parenting, Canadian Living, Canadian Gardening, and more. Follow .com

How to sell a house: 4 New Rules That Can Make or Break a SaleRule No. 1: Price it right from the outsetWhile convention...
01/07/2018

How to sell a house:
4 New Rules That Can Make or Break a Sale

Rule No. 1: Price it right from the outset
While conventional wisdom might suggest listing your house a bit above market value so you can make a mint (or get haggled down by buyers to something reasonable), don't do it. The reason: In today's fast-paced environment, this also puts you at risk of your home sitting on the market, which can make it more difficult to sell.

"If your house is still for sale after a month, buyers are going to assume something’s wrong with it,” says Seth Lejeune, a real estate agent with Berkshire Hathaway in Collegeville, PA.

Moreover, “today’s buyers are savvy,” Yee adds. “They know if a house is overpriced.”

So list it right at market price, which your agent will help you determine. If anything, listing it a bit below market price could also work in your favor by sparking a bidding war which could drive the price up higher than you'd ever hoped.

Rule No. 2: Amp up your marketing
While professional photographs are a must, many sellers are going a step further these days. For example, you might consider doing a video tour, which entails hiring a videographer to walk through your home, camera in tow. The footage is then edited, background music is added, and the video is posted online.

“It gives buyers the sense that they’re walking through the house without even stepping foot inside,” says Lejeune. It may even enable you to sell your home "sight unseen"—which is actually how one in five buyers does it these days!

Social media is another smart component to leverage. Spread the word that your home is for sale by posting your listing on Facebook, Instagram, Twitter, and other social media platforms. Create a post saying: “We’re excited to put our house on the market. Please get in touch if you’d like to schedule a showing. Pass along!” Be sure to include a link to the listing so that buyers can see more. And, of course, make sure your real estate agent is spreading the word on social media as well.

Rule No. 3: Splurge on staging
“Presentation is everything,” says Sanderfoot. And these days, that means hiring a professional home stager, someone who arranges your furnishings in a way that entices buyers to bite. The payoff can be substantial. On average, staged homes sell 88% faster and for 20% more than nonstaged ones. Staging is particularly important if you've moved out, because bare rooms can look empty and sad.

Unfortunately, staging costs can add up. Most home stagers charge $300 to $600 for an initial design consultation, and $500 to $600 per month per room. If you can't afford to stage the entire house, at least make sure the living room and kitchen are professionally furnished, because they’re the most important rooms to home buyers, according to the National Association of Realtors®’ 2015 Profile of Home Staging survey.

Need an even cheaper option? Try pop-up staging ("fake" cardboard furniture that looks real) or virtual staging (digitally altered listing photos). But use these only as last resorts—real is better.

Rule No. 4: Devise a plan for how to handle multiple offers
With how tight inventory is today, there’s a good chance you’ll receive multiple offers. Trust us, this is a good problem to have! Still, if you're blindsided, it can be stressful. To ease that pressure, create a plan for how you’d respond if you receive multiple bids.

For starters, there’s no hard and fast rule on how you should act.

“The decision depends on what’s important to you,” says Yee. For example, some sellers are just looking to accept the best offer they receive and move out fast. Others, however, might be interested in learning how to spark a bidding war to drive up their home's price.

That said, “sometimes the highest offer is not always the best offer,” says Sanderfoot, adding that you need to consider each offer's full terms, including contingencies, closing window, and the buyer's financing.

By determining exactly what's important to you in advance, you’ll be able to make an easier decision if you get a deluge of offers (hey, in today's market, it can happen).

Also looking to buy a house? The rules have changed there, too. Study up with our article "How to Buy a House: 5 Rules That Can Make Or Break Your Offer."

Daniel Bortz is a Realtor in Maryland, Virginia, and Washington, D.C., who has written for Money magazine, Entrepreneur magazine, CNNMoney, and more.

01/07/2018

9 grants and programs to help you buy your first home
RACHEL HARTMAN NOVEMBER 28, 2017

Money issues often stand in the way of homeownership. A survey by rental service Apartment List found that 80 percent of millennial renters want to buy a home, but most say they can’t afford to.

What you may not realize is that many first-time homebuyer programs and grants offer financial help, and you may be eligible for various types of assistance.

Here are nine first-time homebuyer programs and grants designed to help you land a great mortgage and get a place of your own.

1. FHA loan
In an FHA loan, the Federal Housing Administration insures the mortgage. The FHA is an agency within the U.S. Department of Housing and Urban Development (HUD).

The FHA’s backing offers lenders a layer of protection, meaning that your lender won’t experience a loss if you default on the mortgage.

FHA loans typically come with competitive interest rates, smaller down payments and lower closing costs than conventional loans.

If you have a credit score of 580 or higher, you could be eligible for a mortgage with a down payment as low as 3.5 percent of the purchase price. If your credit score is lower than 580, you still might qualify for an FHA mortgage, but the down payment would be at least 10 percent of the purchase amount.

2. USDA loan
While not well known, the U.S. Department of Agriculture (USDA) has a homebuyer assistance program.

While the program focuses on homes in certain rural areas, you don’t need to buy or run a farm to be eligible.

The USDA guarantees the home loan. There may be no down payment required, and the loan payments are fixed.

Applicants with a credit score of 640 or higher typically get streamlined processing. With a credit score below 640, you still can qualify for a USDA loan, but the lender will ask for extra documentation about your payment history.

Keep in mind that there are income limitations, which can vary by region.

3. VA loan
The U.S. Department of Veterans Affairs (VA) helps active-duty military members, veterans and surviving spouses buy homes.

The VA guarantees part of the loan, making it possible for lenders to offer some special features. VA loans come with competitive interest rates and require no down payment. You aren’t required to pay for private mortgage insurance (PMI), and a minimum credit score isn’t needed for eligibility.

If it becomes difficult to make payments on the mortgage, the VA can negotiate with the lender on your behalf.

4. Good Neighbor Next Door
The Good Neighbor Next Door program, sponsored by HUD, provides housing aid for law enforcement officers, firefighters, emergency medical technicians and pre-kindergarten through 12th-grade teachers.

Through this program, you can receive a discount of 50 percent on a home’s listed price in regions known as “revitalization areas.”

Using the program’s website, you can search for properties available in your state. You must commit to living in the home for at least 36 months.

5. Fannie Mae or Freddie Mac
Fannie Mae and Freddie Mac are government-sponsored entities. They work with local lenders to offer mortgage options that benefit low- and moderate-income families.

With the backing of Fannie Mae and Freddie Mac, lenders can offer competitive interest rates and accept down payments as low as 3 percent of the purchase price.

Fannie Mae also provides homeownership education for first-time homebuyers through its “HomePath Ready Buyer” program.

6. Energy-efficient mortgage (EEM)
An energy-efficient, or “green,” mortgage is designed to help you add improvements to your home to make it more environmentally friendly. The federal government supports EEM loans by insuring them through the FHA or VA programs.

The key advantage of this mortgage is that it lets you create an energy-efficient home without having to make a larger down payment. The extra cost is rolled into your primary loan.

Some improvements you can make include installing double-paned windows, new insulation or a modern heating-and-cooling system.

7. FHA Section 203(k)
If you’ve run the numbers to see how much house you can afford and have determined a fixer-upper is best for your budget, the Section 203(k) rehabilitation program may be a good fit.

This type of loan, backed by the FHA, takes into consideration the value of the residence after improvements have been made. It then lets you borrow the funds you’ll need to carry out the project and includes them in your main mortgage.

The down payment for a 203(k) loan can be as low as 3 percent.

8. Native American Direct Loan
Since 1992, the Native American Veteran Direct Loan program has helped Native American veterans and their spouses buy homes on federal trust lands. The VA serves as the lender.

If you’re eligible, you won’t be required to make a down payment or pay for private mortgage insurance (PMI).

This first-time homebuyer loan also offers low closing costs and a 30-year fixed-rate mortgage.

9. Local grants and programs
In addition to the various programs provided by the federal government, many states and cities offer help to first-time homebuyers.

Before buying a home, check your state’s or community’s website for information on housing grants and programs available in your area.

01/07/2018

MIAMI (CNN Money) — Some homeowners — particularly those with high property taxes — are spending this last week of 2017 in lines at county offices looking to pre-pay 2018’s tax bill before the end of the year.

That’s because the new tax bill that passed last week puts a cap on the amount you can deduct for state, local and property taxes at $10,000. Currently the deduction is unlimited. In some high-tax states like New York, New Jersey and Maryland, that means some homeowners will be paying a lot more in taxes.

The three counties with the highest median tax bills in the country — Nassau County, Rockland County and Westchester County, which are all in New York — have median tax bills exceeding the $10,000 cap, according to the Tax Foundation.

While some jurisdictions have long allowed for pre-payment, others are scrambling, working to ensure that those who want to pre-pay can — even if the jurisdiction can’t necessarily guarantee the pre-payment will be deductible.

Montgomery County, Maryland, just outside of Washington DC, did not previously allow for pre-payment. That rubbed some homeowners the wrong way after the tax bill was signed into law. Especially when their neighbors in nearby counties and jurisdictions, including Fairfax county in Virginia and Washington DC, could pay ahead.

“It just never came up,” said George Leventhal, Montgomery County council member. “No one was saying, ‘Please let me make early payment of a bill I don’t owe.’ Wise cash management suggests you should pay closer to the due date, not farther away. But because of this change, it seems it could be possible that people could derive some benefit and deduct their property taxes for next year in 2017.”

The county broke its winter recess and called a special session on Tuesday, the day after Christmas, passing a bill 7 to 1 in favor of allowing residents to pre-pay their 2018 tax bills.

Are you trying to pre-pay your taxes? Tell CNNMoney how it’s going

Leventhal was among the majority voting for it. But says he is still ambivalent about its effect for homeowners.

“There are so many moving pieces that even now that it has passed, we’re not in a position to assure our residents that these payments are going to be deductible,” said Leventhal. Ultimately it will be up to the Internal Revenue Service to make that determination.

But the county felt a need to respond to a demand to pre-pay. Leventhal says that nearly half of the county’s taxpayers will have more than $10,000 in combined state and local taxes.

Still, that’s a lot of cash to have ready at a moment’s notice to throw at taxes, without any assurance of getting the deduction. But some homeowners have determined the risk is worth it.

34 things you need to know about the incoming tax law

How to pre-pay your taxes

To pre-pay your own taxes within the next few days, you will need to check with your local jurisdiction to find out if it even allows for pre-payment and to learn more about the process.

Here are some things to keep in mind.

If you pre-pay you’re not guaranteed you’ll be able to deduct the payment. It will be up to the Internal Revenue Service to determine whether pre-payment of 2018 property taxes may be deducted for federal, state or local income tax purposes.

If you are currently getting your taxes escrowed, you’ll need to work with your escrow agency or mortgage company on any future adjustments to your escrow account. Usually escrowed taxes are a matter for the taxpayer and the taxpayers’ escrow agency to resolve.

Many jurisdictions may have either a pre-payment application or a requirement that a notice of intent to pay early accompanies payment.

Some areas will allow online payments. Anyone paying by check after today may have a difficult time since often the check must clear by the end of the year.

In some areas, homeowners are encouraged to avoid mailing payments, since they have to be received and recorded by the end of the year. Yet, other jurisdictions allow mailed payment to count so long as it is postmarked by Dec. 31.

(©2017 Cable News Network, Inc., a Time Warner Company. All rights reserved.)

RAPB+GFLR 2018 Installation CelebrationContinental Properties, Jeffrey Levine, Broker will be installed as President-Ele...
01/06/2018

RAPB+GFLR 2018 Installation Celebration

Continental Properties, Jeffrey Levine, Broker will be installed as President-Elect 2019!

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