Bradenton Real Estate

May 9, 2013

Real Estate Market Update, News, and Data Report for Manatee County in Florida

Manatee County, Florida, real estate, news, Year over Year, Sales Data, statistics

Real Estate Sales for Manatee County by Zip Code & Transaction Type
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Average Days on Market for Manatee County Florida Real Estate Sales

Average Days on Market for Manatee County Florida Real Estate Sales
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median real estate sold price per manatee county florida zip code

Median Real Estate Sold Price
Per Manatee County Florida Zip Code
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median real estate sold price per manatee county florida zip code

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March 31, 2013

From Gloom to Bloom: Expecting the Healthiest Spring Season Since 2007

gloom to bloomFrom Gloom to Bloom: Expecting the Healthiest Spring Season Since 2007

Freddie Mac recently released its U.S. Economic and Housing Market Outlook through March showing that as we head into the spring home buying season, continued low mortgage rates, increasing house prices, and gradually improving consumer confidence will help support increased home sales. A short preview video and the complete March 2013 U.S. Economic and Housing Market Outlook are available here.

Outlook Highlights

• Compared to 2012, expect home sales to be up 8 to 10 percent for 2013.
• Expect housing starts to increase to 950,000 units for 2013, compared to 780,000 in 2012.
• In 2012, real estate added $1.5 trillion to balance sheets, and residential mortgage debt outstanding increased by 0.1 percent in the fourth quarter of 2012, indicating household deleveraging might be drawing to a close.
• Because of sequestration spending reductions, expect the unemployment rate in 2013 to average about 7.8 percent, essentially flat for the year or about 0.25 percentage points higher than it otherwise would have been.
• Regardless, the housing wealth effect is taking hold in the broader market which should translate into the healthiest spring home buying season since 2007.

“History shows us not all economic recoveries are created equal and consumer confidence mirrors this fact,” says Frank Nothaft, Freddie Mac vice president and chief economist.

“With the spring home buying season upon us, the recent highs in the stock market are a welcome signal of better times ahead. But it will be the gradually declining unemployment rate and steadily improving housing market that will deliver broad-based economic benefits for Americans and, in turn, support the overall recovery.”

For more information, visit www.FreddieMac.com.

The Serena Group ~ Keller Williams Realty of Manatee

is here for you! 

Contact Us Today!

call for help buying or selling a bradenton, sarasota, manatee county, sarasota county home

January 19, 2013

5 Credit Myths to Ditch Now

credit myths

5 Credit Myths to Ditch Now

By Barbara Pronin

Everyone knows that having a good credit score marks you as a credit-worthy individual with increased buying power. But, said consumer finance consultant Jill Krasny, many people have critical misconceptions about what makes for a good credit score.

Krasny offers five common credit misconceptions:

  • Having too much available credit can hurt your score – False. There is nothing in the credit scoring formula that penalizes a consumer for having too much available credit. If anything, it may increase your credit worthiness in the eye of lenders, who operate on the theory that having a lot of credit available but low balances and on-time payments make you the best possible risk.
  • Income is part of your credit score – Wrong. Credit reporting agencies do not even include your income on your report. Lenders are interested only in whether your pay your bills on time.
  • Once married, a couple’s credit score is combined – Wrong again. All consumers, married or not, have individual credit files and scores. But it is important to manage your finances carefully, especially when it comes to shared debts.
  • Carrying balances on credit cards is better for your score – Not. The only thing a running balance will get you is interest charges. Paying off your bill on time each month shows credit activity as well as credit worthiness.
  • A credit repair agency can get negatives off your report – False. If late payments are listed accurately on your credit report, no agency can legally remove them, no matter what they promise. If the information is correct, the only thing you can do is make on-time payments going forward. If the information is not accurate, you should file a dispute with the credit reporting agency, asking them to correct the inaccurate information or remove the negative info that doesn’t belong to you – which credit agencies are obligated to do within 30 days under the Fair Credit Reporting Act.

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FOR MORE INFORMATION ABOUT BUYING OR SELLING A HOME…

The Serena Group ~ Keller Williams Realty of Manatee

is here for you! 

Contact Us Today!

or visit our website for more home selling, home buying, real estate, tips, and information:

www.Bradenton-Florida-RealEstate.com

January 7, 2013

7 Tips for Keeping Your Financial Fitness Resolution

tips for financial fitness

7 Tips for Keeping Your Financial Fitness Resolution

The new year is a great time to get yourself pointed in the right direction financially. “Making small improvements at the beginning of the year is a lot easier than trying to play catch-up,” says financial planner Rick Rodgers, author of “The New Three-Legged Stool: A Tax Efficient Approach To Retirement Planning.”
“Just as you would embark on an exercise program to lose weight and get physically fit, there are simple steps you can take that will lead to being financially healthy and fit.” Here are Rodgers’ seven tips for improving your financial life in 2013.

• Review your credit report – Borrowing money isn’t the only reason to check your credit. Employers check credit reports and so do insurance companies. Your credit score can have a profound effect on the amount you pay for auto and homeowners insurance — and perhaps on health and life insurance in the not-too-distant future. Order your free credit report at AnnualCreditReport.com.

• Set up an Automatic Savings Plan (ASP) – If your employer doesn’t offer this through payroll deduction you can set one up through your bank or brokerage account. Simply have a certain amount of money withdrawn from your checking or savings account each month and deposited into your investment account. That way, you save it before you ever have a chance to spend it. Try to increase the amount you invest at least once a year.

• Establish a cash flow plan – Business owners know you can’t control what you don’t track. Take the time to forecast your income and expenses for the year, and put it in writing. Then adjust those numbers to reach your goals, such as paying down debt or replacing a car. Track your progress on a regular basis by holding a monthly family finance meeting to review the plan.

• Pay off your credit cards – It’s especially important to take action on debt in 2013. Cash doesn’t earn much interest sitting in a deposit account (less than 1 percent) and even “low interest” credit cards charge 10 to 12 percent. So if you’re sitting on any extra savings, consider using it to pay down credit card debt. Your cash flow plan should include a schedule to eliminate credit card debt as quickly as possible.

• Shop your insurance – Insurance agents are often paid commission based on premium levels, so they have no incentive for finding existing customers lower premiums. However, there is a huge incentive for a competing agent to find you the lowest premium in order to win your business. Make note of the coverage levels you have for your homeowner’s and auto policies and use them to comparison shop. Look at ways to save on your health insurance coverage, too, such as switching to a high-deductible plan and opening a Health Savings Account.

• Write an estate plan – At a minimum you need to have a valid will, power-of-attorney (POA) for your finances and health-care decisions, and a living will (Advanced Healthcare Directive in some states). Decide who will be your personal representative in the event you become incapacitated (POA) or at your death (executor). If you have minor children, choose who will raise them in your absence and establish a testamentary trust for their finances.

• Meet with a financial adviser – An adviser is to financial planning as a personal trainer is to an exercise program. Allow yourself to be held accountable by a third party who will push you to help yourself. Good advisers will help you develop a budget, look at your debts, tax situation, retirement and college savings, estate planning and insurance. You don’t have to be a high-net-worth individual to seek the assistance of a financial adviser. Go to the National Association of Personal Financial Advisors (NAPFA) and search for one in your area.

Don’t just make a vague resolution to save money. According to Psychology Today, of the millions of American’s who make a New Years resolution, 40 percent have already failed by Jan. 31. Let 2013 be the year you make lasting changes to improve your financial life.

Certified Financial Planner Rick Rodgers is president of Rodgers & Associates, “The Retirement Specialists,” in Lancaster. For more information, visitwww.RodgersSpeaks.com and www.TheNewThreeLeggedStool.com.

The Serena Group ~ Keller Williams Realty of Manatee is here for you!  

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January 2, 2013

Selling Your Home? Tips for Getting Across the Finish Line in 2013

Selling Your Home? Tips for Getting Across the Finish Line in 2013

 

Visit houselogic.com for more articles like this.

Copyright 2013 NATIONAL ASSOCIATION OF REALTORS®

October 10, 2012

Real Estate Home Buying Report, Data, and Information for International, UK, Home Buyers and Investors For Florida Properties

Real Estate Home Buying Report, Data, and Information for International, UK, Home Buyers and Investors For Florida Properties

international, real estate, home buyer, home buying, information

If you’re a resident of the United Kingdom (UK), or an international home buyer from outside of the United States,and have been toying with the idea of buying a vacation or investment property or home in the United States, Bradenton, Sarasota, Florida is a location that you should be considering very seriously for a number of reasons:

  • There are still great home buying, and real estate investment opportunities in the Bradenton, Sarasota areas of Florida!   We are beginning to see a shift, however, from an all out buyer’s market to a more stable market that is just beginning to give a home seller the edge in some areas.
  • Great home prices coupled with the excellent dollar to pound exchange rate, currently, is a winning combination and great incentive to get serious about home buying or real estate investments right now.
  • It goes without saying… Bradenton, Sarasota, Florida property is always appealing due to our weather conditions and our unmatched gorgeous white sand beaches and warm Gulf of Mexico waters. These elements, combined with the others above, contribute to a ‘perfect storm’ situation for real estate investment opportunity for foreign investors or home buyers. Whether you plan to purchase a property for personal use or whether you’re buying a home or property for investment only and plan to lease it, the Bradenton, Sarasota areas of Florida will always be a ‘paradise’ that people will be happy to call home.

If you’ve been sitting it out on the sidelines, just waiting for the perfect opportunity to get into the real estate, home buying, game that time has arrived!

Contact The Serena Group today to schedule a personal consultation to discuss your plans, and to let us know how we can assist you with YOUR dream to buy a Florida home. We’re here for you!

Click the image below for a glimpse of a year over year comparison of real estate market data for the Bradenton, Manatee county area of Florida.

real estate, market, report, reports, data, statistics, information, UK, home buyers, foreign investors

Here’s a link to a recent article and more information for international home buyers from the Florida Association of REALTORS: INFORMATION FOR UK, INTERNATIONAL HOME BUYERS FROM FloridaRealtors®

October 3, 2012

Fall is for Football! Tailgating eBook ~ provided by The Serena Group

fall football, tailgating, eBook, recipes, ideas, advice, information

Tailgating & Football go together like:

  • Peanut butter & jelly
  • Bacon & eggs
  • Coffee & doughnuts
  • Franks & beans
  • Bread & butter
  • Fish & chips
  • Chips & dip….

Well, you get the idea!

tailgating, football, tips, ideas, recipes, informationBelow you will find some great tailgating ideas, recipes, tips, and information that will either enhance your enjoyment of game day or will help soothe your wounded pride (whatever the case may be!) while cheering on your favorite team.

If you’re a Florida Football fan, please visit our website for all your College and Pro favorite Florida teams game schedules and updates… all on one page!  →  FLORIDA FOOTBALL TEAMS, SCHEDULES

And while you’re there… if you’d like to also view homes for sale, get home selling tips and information, find out what you  need to know before buying a home, use our mortgage calculators to find out what payments would be on your dream home, request a market evaluation for your home, get real estate market reports and statistics for your neighborhood, get information about foreclosures and short sales… and/or just about ANYTHING else you could think of that relates to real estate – buying or selling.

You’ll already be there… take advantage… and if we can help… please let us know!

THE SERENA GROUP IS HERE FOR YOU!

http://www.Bradenton-Florida-RealEstate.com

View this document on Scribd

August 16, 2012

Fighting Off Foreclosure

Thank you to the folks at eLocal for the following guest post relating to ‘Avoiding Foreclosure.’

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As we hear about foreclosures in the news almost daily now, it is important to understand how the foreclosure process works and what some of the other options might be.

Foreclosure is an emotional and arduous process, as well as being catastrophic to your credit rating.  Foreclosure can stay on your credit report for up to 7 years and remains a part of your public record forever.

 eLocal asked their Legal Expert Network, which is made up of real estate agents and real estate lawyers, how to protect against foreclosure.They received many responses.   Using these responses, along with doing some further research on their part, eLocal compiled this information into a mini infographic foreclosure guide.

Source: elocal.com

Fighting Off Foreclosure - Infographic by eLocal.com

→ CLICK TO ENLARGE IMAGE
Fighting Off Foreclosure – Infographic by eLocal.com

July 31, 2012

Did You Know?►Chase Bank and Cell Phones for Soldiers ~ Programs and Benefits for Military Families

The Serena Group team members are, and always have been, fervent supporters for anything that rewards, recognizes, enhances the lives of, or provides assistance to military men and women and their families.

The Serena Group has been involved, for a number of years, with Cell Phones for Soldiers, an organization that recycles donated cell phones and uses the proceeds from those donations to award free talk time to our military troops, and their families, while they are serving our country and its citizens.  It’s a GREAT organization and we enthusiastically encourage you to explore it in more depth by visiting their website below ▼

CELL PHONES FOR SOLDIERS

If you have a cell phone/phones to donate to Cell Phones for Soldiers, in Manatee or Sarasota counties in Florida, you may drop them off at:  Keller Williams Realty of Manatee in Braden River Plaza.

Here’s a link to a map of our office location ▼

4520 State Road 64 East, Bradenton, FL  34208

Another fantastic ‘military family friendly’ organization, and one of our priority partners,  is Chase Bank.

If you’re a member of the military and need assistance with:  housing, jobs, education, banking, or credit options, you need to run… not walk…to ►ChaseMilitary.com and see how making a connection with Chase Bank may benefit YOUR family.

Here’s a testimonial from a very happy military family who is definitely glad they reached out to Chase for assistance ▼

READ ABOUT THE MCINTYRE FAMILY’s EXPERIENCE HERE!  

For more information about Chase Bank, and it’s programs for military families in Manatee or Sarasota counties in Bradenton, contact Chris Tennant,Mortgage Banker for Chase Bank  here ► More information about Chase Military

July 17, 2012

Ways to Prep For Hurricanes and Protect From Tornadoes

Hurricane Preparedness

Ways to Prep for Hurricanes and protect from tornadoes.

Most people take fire safety seriously and have fire extinguishers handy and escape routes pre-planned should a blaze threaten their home. Yet while tornadoes/hurricanes and the violent storms surrounding them are far more common than homeowners realize, many homeowners don’t take the necessary steps to prepare for these destructive storms. On average, some 1200 tornadoes appear each year in the U.S.

With the possibility that the 2012 storm season will be a long and challenging one, The Hanover Insurance Group today provided tips to help home and business owners in tornado-prone states to prepare and minimize damages.

While tornadoes can occur in the United States during any month, weather conditions produce a peak season that runs through October. In areas of the country subject to the harshest storms, winds can far exceed those of even the strongest hurricanes, averaging between 110-205 mph.

Hurricane season traditionally runs from:  in the Atlantic – June 1 and ends November 30. In the Eastern Pacific -May 15 through November 30.

“Tornadoes can form in every state east of the Rockies,” said Mark Desrochers, president of The Hanover’s personal lines business. “Preparing for a tornado is a practical safety precaution that should be taken by all households in these states. With proper preparations, home and business owners can significantly reduce the risks of injury to their family and pets, as well as damage to their property. This also enables them to recover quicker.”

To help prepare for a tornado/hurricane  and respond in the event one strikes, The Hanover suggests the following 10 tips:

1) Make an action plan. Prepare in advance so that when a tornado/hurricane watch is issued, you already have an existing plan of action. Unlike hurricanes, which tend to be closely monitored for days, tornadoes can spring up quickly. In many cases, you will have to take shelter within minutes in your own home or a below-ground storm shelter. Experts advise never trying to outrun a tornado by car. Instead, move to the basement or to an inner windowless room or interior hall. Protect your head and neck with your arms and hands. Ensure everyone knows the action plan.

2) Create a survival kit. After a storm, it may be impossible to use roads for several days. You may be forced to live in your home for a while even if it is wrecked or you’re without electricity and water. So, it’s wise to assemble a survival kit containing a week’s worth of non-perishable food, bottled water, paper plates and cups, eating utensils, medicines, first aid handbook and bandages, blanket, a radio, batteries, flashlight, soap and toiletries, bleach for disinfecting, and spare clothing. Store the kit in the basement or other safe area.

3) Have debris removal tools on-hand. There may be a significant amount of debris following a tornado/hurricane that will have to be moved just to exit your structure. Some of this will be splintered wood and glass. With this in mind, store helpful items — including heavy soled shoes, gloves, eye protection and a small shovel to safely move debris. This should be kept in the same area as your survival kit.

4) Create a home inventory. Tornadoes/hurricanes can destroy your home and its contents, making it difficult to document your property losses, which can impede your recovery. With a proper home inventory you will have an acceptable means of documenting ownership and value in the event of a claim. Photograph or shoot video of your entire home or business, including the contents of each room, and store these with a written inventory and serial numbers in a fireproof safe or safe deposit box.

5) Ensure you have proper coverages in place. It is always a good idea to review your homeowner’s policy with your independent insurance agent, ensuring you have enough coverage for your contents and the physical structure as well. Also ask about other coverages that may be of value to you in the event of a tornado loss, such as reimbursement for temporary living expenses.

6) Create and share contact info. All family members should have the personal and business contact information (phone/email) for quick communications. Also ensure you have your agent and insurer’s claims office numbers stored in your mobile phone. After a storm, cell service may be more accessible than local land lines. Have important numbers on hand to help expedite your recovery after the storm. It’s important to keep your cell phone charged in advance, as power may be out for days.

7) Wait for official notice before returning home. If there is an evacuation after a storm, wait for official notice that it is safe to return to your home. When returning to your home, be cautious when entering a damaged structure. Stay away from damaged or weakened walls.

8) Take photographs and/or video documenting claim damage. Should your home or business be damaged in a tornado/hurricane, take pictures of the entire scene and document all damage — provided it is safe. Try not to remove items until an insurance adjuster has had an opportunity to visit the property and assess the damage.

9) Keep an accurate record of any temporary repairs or expenses. If you do need to make temporary repairs to help preserve the remains of your home or personal property, keep all records to ensure that they may be considered in your claim.

10) Engage with an Independent Agent. With careful preparation and planning — and assistance from your insurance professional — you can rest assured that you have the right coverages to meet your needs and a good plan of action in place. This will reduce the time and effort required to recover from a tornado and other major weather events.

While no one can tell you for sure whether a tornado or other weather event will strike your area, they are occurring with increasing frequency. So it is a good idea to consult with a local Independent Agent, have the right insurance carrier to meet your needs, and to be as prepared as you can in advance of such events.

Source: http://www.hanover.com

The Serena Group ~ Keller Williams Realty of Manatee

is here for you!  Contact Us Today!

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