First-Time Home Buyer Archives | Bold Real Estate Group

Are You A First Time Home Buyer

June 8, 2019 By Realtor Millie Gil

Tired of paying sky-high rent, and wish you had a place of your own? Check out this video to see how Brooke was able to build her down payment faster. Contact me 772-224-1634 if you can’t wait to do the same! HomeFundIt.com is the most exciting tool ever for First Time Home buyers! It makes it easy for family and friends to help you build a larger down payment and can help you make a stronger offer.

HomeFundit™ allows home buyers to crowdfund the down payment on a home. The platform is designed to expand home ownership benefits throughout the community. Home buyers can leverage their personal networks of friends, families, neighbors, and coworkers, and use milestones like weddings, baby showers, and graduations as opportunities for fund collection. Saving for a down payment is one of the biggest challenges potential home buyers face. You can own your own home, with help from your community.

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Concierge Service: Bold Real Estate Group will provide concierge real estate services including setting up of community tours and area information click here

Millie Gil is Broker-Realtor for Bold Real Estate Group, fluent in English and Spanish with a strong network of Real Estate Professionals Worldwide. Millie says “we are committed to providing a high level of service over and above the customer’s expectations. It is our goal to become your Realtor for life”.

Schedule your real estate appointment with Millie now!

Online Click Here Phone/Text: (772) 224-1634

You Don’t Need 20% Down To Buy A Florida Home!

July 13, 2018 By Realtor Millie Gil

Saving for a down payment is often the biggest hurdle for Florida home buyers, but it doesn’t have to be! Almost half of all home buyers are unfamiliar with alternative down payment options (which allow as little at 3% down). Whether you have just started to save for a down payment, or have been saving for years, you may be closer to your dream home than you think! Let’s meet up so I can help you evaluate your ability to buy today. Click here to learn more, send your request!

We’re here to help you in all your Florida real estate matters, starting with arriving at decisions that let you feel comfortable. I hope you’ll give us a call!

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Concierge Service: Bold Real Estate Group will provide concierge real estate services including set up of excursions and area information click here

Online Contact: Click Here Phone/Text: (772) 224-1634

Florida First-Time Buyers Profit from Credit Score Monitoring

January 6, 2014 By Realtor Millie Gil

Florida First-Time Buyers Profit from Credit Score Monitoring

It can take years for Florida first-time buyers to save up for their first home’s down payment, but even after that hurdle has been cleared, it can take even more time to secure a mortgage — if they have neglected the other part of the equation. Their credit rating.

Before Florida first-time buyers in Port St Lucie, Palm City, Jensen Beach or Stuart will be able to move forward with that initial home purchase, they need to ensure that their credit score does not raise the kind of questions that sometimes derails an otherwise well-qualified home loan applicant. This has always been true, but may become even more likely as lending limitations grow increasingly strict.

But it’s the occasional recording error or misstatement that is most easily preventable. Ironically, those often affect perfectly well-qualified buyers—precisely because they have no reason to suspect that a problem could crop up.

The upshot: Florida first time buyers should start reviewing their credit history one year to six months before they intend to buy a home. Since the credit agencies provide upon request free copies of every individual’s report once each year, the only hassle is having to check the details line-by-line (a single reporting error can have a big impact on an overall score). And since it’s not unusual to take 90 days or more to cure a disputed entry, the earlier a first-time buyer begins the process, the better. Individuals can file a dispute online with the credit bureaus, or can hire a credit repair company to assist with disputes. In all cases, claims should be documented and correct information provided immediately.

Once a Port St Lucie, Palm City, Jensen Beach or Stuart Florida first-time buyer is certain that his or her reports are accurate, is it time to relax? Hardly. It’s important to continue to monitor those scores to ensure against accidental surprises. Especially recently, after wholesale credit card thefts sowed confusion and disruption throughout the system, it’s probably wise to assume nothing. Several online services offer credit monitoring (and it’s possible that your bank might provide free monitoring).

From Florida first-time buyers to seasoned Florida investors, w are here to help our real estate clients every step of the way.

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About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida. Millie is Vice President of Bold Real Estate Group in Stuart. A boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties. Millie is fluent in English and Spanish with a strong network of real estate professionals worldwide. Other post by Millie Gil

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First-Time Florida Home Buyers Easily Avoid Common Blunders

December 9, 2013 By Realtor Millie Gil

First-Time Florida Home Buyers Easily Avoid Common Blunders

According to the National Association of Realtors^®, nearly 40% of home buyers will be first-timers this year. In other words, if you are new to the housing market you are certainly not alone. Since first-time home buyers in Floridaexperience the same learning curve as anyone everywhere, reviewing some of the more common missteps can spare them some of the angst those common mistakes cause. Some examples:

1) First-Time Home Buyers Don’t Check Their Credit Score

New Florida home buyers focus on the seller’s asking price, but don’t realize how greatly their credit score will affect how much they actually pay. They know their score is important to qualify for a home loan, but not how a low credit score can result in a higher down payment and interest rate. A single percentage point of higher interest over a 30-year timeframe is…you get the picture! The takeaway? Start improving your credit score as soon as possible.

2) First-Time Home Buyers Don’t Lay Out a Budget

Florida first-time home buyers frequently don’t realize the impact of secondary costs. In addition to administrative, insurance and legal costs, there are also closing and other fees which can add 2%-5% to the purchase price. Add in property taxes and possibly monthly Florida neighborhood homeowner’s association fees, and you can see why experienced home buyers first determine their maximum monthly budget figure — then stick to it.

3) First-Time Home Buyers Don’t Double-Check the Neighborhood

Once you’ve set your sights on an exciting new home, it’s natural to quickly proceed to the purchasing details without second-guessing your choice. That’s all well and good — unless you have only visited it a few times, and all at the same time of day or day of the week. Make several return trips to the neighborhood on weekdays and weekends, daytime and nighttime: you want to be sure that your family will be comfortable with the neighborhood (and your future neighbors).

If this winter will find you searching for your new house in Port St Lucie, Stuart or Palm City Florida, I want you to know that I’m here to help my clients every step of the way. Calling me for a consultation is your first step!

About the Author: Millie Gil has been a successful Licensed Real Estate agent for over 25 years in Florida. Millie is Vice President of Bold Real Estate Group, a boutique agency committed to concierge personalized service for discerning buyers, sellers and renters of residential and commercial properties. Millie is fluent in English and Spanish with a strong network of real estate professionals worldwide. Other post by Millie Gil