Checklist & Time Line for a Mortgage Pre-Approval

Credit for the image goes to TaxAct

Pre-approval may be the first step towards getting a mortgage on Anna Maria Island, but you'll want to get some things in order first. By following this list you'll be well on your way to receive the mortgage that you need to buy the home you want in Holmes Beach, Bradenton Beach, or the city of Anna Maria.

1.       Review your credit report. Make sure you get anything that doesn't look right corrected.

2.       Gather yours and anyone else's tax returns (that are applying for the mortgage) and proof of income.

3.       Have your down payment money and closing money ready in the bank for when the deal closes.

4.       If you've been renting, put together the last 12 months of proof that you have been on time with your payments. Getting a letter from your landlord as a referral will help as well.

5.       Gather any personal government identification documents needed. (ex: divorce papers, if applicable)

6.       Provide proof of regular income including Social Security, Child Support, or any government assistance. Also, provide proof of any IRAs or retirement accounts you may have. Don't forget to tell them of any money you have held in the stock market.

7.       Bring proof of any other property you currently own.

8.       Once you get all the documents together, go to a lender to get pre-approved on Anna Maria Island. They'll give you a GFE, Good Faith Estimate. This is an estimate of what your general  mortgage costs would be if you choose to go with them.

9.       Go to another lender and get pre-approved again. Do this process as many times as needed. You'll want to make sure you get the best deal you can get.

Call me, Billi, at 941-545-8877 for any Holmes Beach, Bradenton Beach, or Anna Maria real estate inquiries you have. Anna Maria Life is dedicated to helping you find the home of your dreams on Anna Maria Island.

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Inexpensive Ways to Upgrade Your Home Before Selling

(Credit for this photo goes to Homeplans)

I've seen quite a few people who were ready to sell their home on Anna Maria Island, but after really looking at them ask me what they could do to upgrade the home a bit and maybe increase it's value. I always suggest looking at your budget first and see what you can afford. Then look at what you are wanting to fix and make a list. Finally, I suggest hiring a contractor to do it for you. This will save you time and money in the long run.

•        You can easily improve the look of your home by applying fresh pain to the walls and cabinets. Sometimes it will take more than one layer to do the trick.
•        If you have an older dishwasher I'd replace it with a new Energy Star-qualified one to save money. If you don't have one installed, but have room for it, I'd look into getting one installed. With people's schedules now, dishwashers save them time as well as increase the value of your home.
•         Is that carpet looking a bit dull? Has deep cleaning it done nothing to help? If so, I'd look into replacing it with new carpet or some other material that will match your home.
•        Put down fresh caulk in your kitchen and bathroom. I've been in numerous homes where one section of the home has it peeling off or missing entirely. Not only will it look better, but it will protect your home against mold.
•         You know that old deck out back? The paint has long wore off, you've got chips breaking off of it, and let's not get started on the leaves and such stuck to it. This can usually be taken care of power-washing it and then re-staining the deck with a sealant to protect it against the weather.
•        Earlier I mentioned repainting the cabinets. Now, I'm saying to replace those handles on the doors. Swapping out an older looking or generic handle could make the room look completely different.
•         Replace the outlet and switch plates. This may seem like it won't make any difference, but trust me, it will.
•          Upgrade the fixtures. Most door knobs, faucets, and locks are all fairly cheap to paint. Or if it's in your budget you could replace them entirely.

Before you make any major changes, reach out to your real estate agent and ask them what they'd recommend. At Anna Maria Life we promise to help you with selling your home, buying a home, or even if you're looking for an investment opportunity. Call me, Billi, at 941-545-8877 with any real estate questions you have. It'd be my pleasure helping you with your search for your slice of paradise on Anna Maria Island.

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Market Statistics for 2015-2016 Anna Maria Island

To schedule a tour of this home (shown in the picture above), call me at 941-545-8877. If you're ready to start your search for the perfect home for sale on Anna Maria, Holmes Beach, or Bradenton Beach reach out to me with any real estate questions you have. Are you ready to experience the Anna Maria Island Life?

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Anna Maria Island's Historic City Pier- Originally just a Pier, but now a well loved restaurant & attraction for locals & tourists!

(credit for this photo goes to Beach Hunter)

In 1893, George Emerson Bean settled what’s now known as Bean Point on Anna Maria Island. Charles Roser and George Emerson Bean partnered together in a business to develop roads and a water system to support the ever growing island. With the population increasing and tourism rising, the business built a pier at the end of Pine Avenue in 1911 to draw visitors in from Tampa and St. Petersburgh.  Spanning at around 757 feet in length, the pier was an excellent way for the steamers to drop off the daily fish catch, bringing new visitors, and taking them back to the mainland. George convinced his daughter to wear her bathing suit and welcome the visitors and also convinced his sister to act as a fortune teller drawing more and more interest to the attraction of the island. George also had a little souvenir shop built at the end of the pier; so, visitors could take a little piece of Anna Maria Island home with them. The pier is now known as the “Anna Maria Island Historic City Pier” and it’s been remodeled, updated, and now has a restaurant at the end of it serving locals and tourists alike with great food and a great view of the Skyway Bridge across the bay. Don’t forget to stop by and check it out on Pine Avenue.

(credit for this photo goes to The Islander)

Anna Maria Island is a great place to live. There are tons of gorgeous homes for sale in Holmes Beach, Bradenton Beach, and Anna Maria. Call me at 941-545-8877 schedule a tour to find the home of your dream. To experience the Anna Maria Life check out my site here. 

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December 2015 Anna Maria Island Market Statistics

To view this image in a larger format click the following link.

Beautiful Real Estate Listing for Sale in Bradenton

 

Check out this cozy 2 bedroom and 2 bathroom in Perico Bay Club. Featuring a glass enclosed and tile floored lanai this home is the perfect real estate option for anyone looking to live close to Anna Maria Island and Bradenton. Another plus about this home is that it's close to the Robinson Preserve and Neil Preserve. Check out the full real estate listing for this beautiful condo that's for sell.  #AnnaMariaIsland   #PericoBayClub   #Bradento   #realestate  #condoforsale  

   1008 Ibis Court <Real Estate Listing>

To schedule a tour, gather further information on this property and to find similar listings, please contact Billi at 941-545-8877

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Check out these 7 tips for new real estate investors!

So you’ve decided that you want to start investing in real estate. Great! Check out these tips on how to get started on investing.

• Check your credit score to determine if you’re able to finance a investment property.
• Consider multiple sources for looking at and buying properties. A lot of new investors thing they only have the local Multiple Listing Service (MLS) site or by knocking on doors looking for the opportunity to buy. Don’t forget to check out other real estate sites, auctions, and your local papers.
• Find a good bank or mortgage broker in the area you are financing your investment properties at.
• Get in the mindset that real estate investing is a business. Develop a good business plan that will detail starting and running your business with realistic goals.
• Pick a good neighborhood. You’re going to want to know that you’ll be able to make a profit off of the investment.
• Buy the investment property at a good price. If you can buy a property for 12 times the amount of it’s annual rent- then that’s a good deal.
• Don’t get overexcited. People forget to not invest too much in the beginning. Start small and work. That way you won’t have to magically recoup quickly.

Check out this gorgeous home!

This beautiful Snead Island home is located at 1760 Amberwynd Circle in Palmetto, FL. Enjoy this captivating 4 bedroom and 3 bath home with family and friends. It's perfect for entertaining! The big, aquarium style windows in the living area provides you with a stunning view of the surrounding real estate. Lets not forget- this home also has a secluded screened-in heated salt water swimming pool. Located only minutes away from Egmont Key and Anna Maria Island, this home is perfect for any family or even as a vacation home. Click the link below to see more information on this listing or give us a call at 941-585-8877.

http://www.annamariaislandrealestateforsale.com/paradise-home-sale-palmetto-anna-maria-life-and-billi-gartman/

To schedule a tour, gather further information on this property and to find similar listings, please contact Billi at 941-545-8877

Connect with us on Twitter, Facebook and Google+ to stay up to date with island life and Anna Maria Real Estate!

Winter is right around the corner. Is your house ready?

Winter is right around the corner for many people and I know they’re probably dreading it too. We’ve created a small checklist for you to use to prepare your home for the upcoming winter season. 

       Outside:

• Clean out your gutters- Wait till the last leaf falls around your home and get your gutters cleaned out. If you’re able to do it yourself or even get someone else to help, cleaning your gutters out will prevent blockage during the winter storms.
• Put away your outdoor items- We’ve all thought the same thing “I don’t want to clean or move the furniture”. I know. I felt the same way myself. However, it’s best to clean off all your outdoor items and store them or at least cover them for the season.
• Clean out your fireplace or wood stove if you love having a warm fire or if that’s your primary source of heat. Also have your chimney professionally cleaned and checked out.
• Buy the winter essentials before season hits; so that way you’re not fighting over stuff in the store.
• Check your roof- Grab a ladder or a pair of binoculars and check for damaged, loose, or missing shingles that may possibly leak during storms. Don’t forget to check your seals around the vent stacks and chimneys too. (If your roof is flat and surfaced with asphalt and pebbles, rake or blow off leaves and pine needles. Don’t remove the pebbles though. It will expose the asphalt to sunlight.)
• Water your outdoor plants- not a lot of people know to water their plants even up to the first frost. This will keep your plants from drying out.
• Drain your sprinkler and/or irrigation systems- If there is still water in these it could cause them to bust.

       Inside:

• Order a home energy audit- This is great, because the person performing the audit has a tool that shows areas that are loosing heat.
• Tune up your heating system- hire a technician and have them inspect your heating system to make sure it’s clean and in good repair. By having a technician check it out it also measures carbon-monoxide leakage.
• Reverse your ceiling fans- The fan will produce an updraft and push down into the room heated air.
• Swap out your bedding- Clean and store your summer bedding and get the down comforter or heavy blankets out instead. You’ll sleep much better and stay warmer.
• Swap out the clothing in your closet- Bring out your winter clothing and store your warmer clothing (unless you’re in those warmer states- Florida).
• Recaulk around your windows and doors- Check the space between the walls at the door frames and windows. If there is a space bigger than the width of a nickel you should reapply caulk. Check your weather stripping too.

If you click this link, it will take you to a pdf version of this article and you can print it as a checklist for you and your family/friends.

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Checklist: Who to Inform That You're Moving

Once you’ve decided on moving you should start planning on who you’re going to notify. It’s very important to let business know such as your insurance, internet, etc so that way you’ll still keep your product/service. The best way to tell who you need to inform of your move is to make a list. We’ve made a list that may be of some help; however, you may not need all of these.

• Friends and family
• Banks, credit card companies and other financial institutions
• Insurance companies
• Local government authorities as appropriate
• Tax authorities
• Utility companies (i.e. gas, electric, water as appropriate – in these cases you may need to talk to them direct to arrange disconnection/connection of services, account opening/closure etc)
• Phone companies – both fixed and mobile
• Satellite/cable TV providers
• Internet service providers
• Doctor, optician and dentist
• Veterinarian
• Schools
• Employers
• Regional driving license offices
• Magazine or newspaper subscriptions
• Clubs, professional associations, motoring organizations etc
• Rental companies
• Mail order companies

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How to Decorate Your Small Space Without a Christmas Tree

You may have run into the same problem that quite a few people have as well- you don’t have enough space in your home or apartment for a Christmas tree. I’ve looked around and found some easy ideas you can use to have a Christmas tree with any amount of space.

• Choose a section of your wall that you won’t mind painting and turn it into a canvas of wonder. Use a can of chalkboard paint on the wall and draw your tree, fireplace, and other holiday related themes on it. It’s great for the kids too. You can purchase a can of the paint online at Michaels’ for $7.99.   

• If you have loose branches lying around in your yard pick them up and use them to create a tree on your wall. Tie some string around them and mount them on your wall in the shape of a tree. You can even add ornaments to make it more like a Christmas tree.

• Choose your favorite picture of a Christmas tree (make sure it’s not copyrighted) or even a regular tree, take it to your local print shop, and have it enlarged to the size similar to a tapestry. Hang the print out on a dowel rod and place it anywhere you’d like. Check out Staples for a printout or even a local FedEx/Kinko’s store. 
• Add strips of crepe paper to your wall in the shape of a tree. Have the kids help out too. It makes a fun and creative craft for them.
• Make a tree out of Evergreen branches laying around or even go to your local craft store and attach them to dowel rods. This makes it more like a realistic tree and adds the wonderful scent of the outdoors to your home.
• If you don’t have the time to find some branches, cut paper, or paint check out your home for stuff you already have. If you have some shelves turn them into a festive display. Grab those old holiday greeting cards, mismatched gloves, and scarves.  

• Another great thing to try is the washi tape. They have many different colors and designs it makes it fun and interesting to try different combinations.
• Construction paper makes a neat crafting project for the whole family. Just cut some shapes out or even just a plain shape, tape them to the wall, and add cutout ornaments to it.

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