CHRISTINA LAVOIE | Venice Real Estate, Nokomis Real Estate, Osprey Real Estate


For the generation that grew up at the height of the subprime mortgage crisis, buying a home is a scary concept. Many young people in the 18-34 age range are dealing with high rent, a poor job market, unpaid internships, and student loans the size of a home loan. Yet, others are finding their footing and realizing that owning a home is advantageous in the long run. If you're thinking of delving into the world of home ownership for the first time here's a crash course in Home Buying 101.

Figure out your finances

You should be an expert at you and your significant other's personal finances if you are thinking about buying a home. The first thing to look at is your income and expenditures. Put the following information in a spreadsheet:
  • Total monthly income
  • Total monthly expenditures (bills, gas, food, etc.)
  • Total monthly savings
  • Total savings and assets
  • Credit and FICO score (request both of these online)
When crunching these numbers you should (hopefully) find that your income is higher than your expenditures and your savings should account for most of the difference. If your savings is lower than it should be, you either missed something on the expenditures list or you are spending more than you should be if you want to buy a home. Down Payments Down payments on a home, post-financial crisis, range from anywhere between 0-25 percent of the price of the home, 20 being the median. A down payment ideally shouldn't break your savings in case you have any unforeseen expenses once you buy your home. Moving is time-consuming and can be pricey, so you'll need to account for this in your finances.

Lock Down Your Financing

There are several types of mortgages that you'll need to choose from, and you'll want to learn about fixed and adjustable mortgage rates. This information should be informed by your long-term plans. Are you looking for your first home or your forever home? If you don't plan on fully paying off the home you might look for a low, adjustable rate while you earn money. But if you want to stay in your home until it's paid off, a fixed rate might be better for you.

Finding and buying your home

Once you've determined your price range, start thinking about things like location and the kind of home you can afford. If you're handy with tools and have the time, it might be in your best interest to buy a home than needs some work at a lower cost. If you'd rather put in more hours at work, go with the home that needs less work and save money that way. Depending on whether or not you're in a buyer's market or a seller's market, the ball can be in your court or the seller's. In a seller's market, which is more likely today in many parts of the country, the seller will have more leverage in negotiations, including closing dates and move-out dates. Due to high competition, you should also be prepared to miss out on some offers. But be patient, and you should find the home you're looking for.  

4403 KARIBA LAKE TER, SARASOTA, FL 34243  

Residential
$283,000
Price
2
Bedrooms
2
Baths
Endless lake views from your lanai, great room, dining room and master bedroom. Enjoy your morning coffee or your evening cocktail on the extended lanai while enjoying the best lake view (on the largest lake) in Lakeridge Falls. **Lakeridge Falls did not lose power during hurricane Irma. This home sustained no damage due to full hurricane protection on all windows and openings (see the pictures).** The location is in the heart of this desirable, 55 , gated, maintenance free community. Tile and hard wood flooring through out main living areas. Eat in kitchen with pantry. Master bedroom features 2 closets (one is a walk in)with custom organizers. The guest bedroom also has a walk in closet with custom organizers. The home has been wonderfully maintained by the current owners. Lakeridge Falls offers a large geo-thermally heated pool and spa, recreation facilities including bocce, pool tables, bridge and more! There are sidewalks meandering throughout the community and around the 10 lakes. Located in Manatee county with a Sarasota address, the location couldn't be better. Convenient to shopping and dining, easy access to downtown Sarasota and our beautiful beaches. Close to SRQ airport.


Millennials, i.e. individuals between the ages of 18 and 29 years old, often grab life by the horns. However, when it comes to getting ready for a move, Millennials often encounter problems along the way.

Fortunately, we're here to help Millennials who recently bought or sold a house discover what it takes to complete a successful move.

Let's take a look at three moving tips that every Millennial needs to know.

1. Get a Head Start on Your Move

Let's face it – the stress associated with moving can be overwhelming. And in some cases, it may lead Millennials to wait until the last minute to start packing.

Procrastination is never a good idea, particularly when it comes to moving. If you get an early start on your move, you can enjoy a seamless transition from one address to the next.

2. Pick Up Plenty of Packing Supplies

If you own a wide range of books, clothing and DVDs, there is no need to worry. Pick up plenty of packing supplies prior to moving day, and you can safeguard your belongings during your move.

Moving boxes are essential and come in a variety of sizes. You can always purchase moving boxes; or, you may be able to pick up boxes for free from a local grocery store or retailer.

In addition, be sure to pick up packing tape, bubble wrap and other packing supplies. With the right packing supplies at your disposal, you'll have no trouble getting your belongings ready for moving day.

3. Hire a Professional Moving Company

When it comes to moving, there is no need to work alone. Luckily, many moving companies are available to help Millennials complete a successful relocation.

Reach out to a variety of moving companies in your area – you'll be glad you did. If you discuss your moving budget and requirements with several moving companies, you should be able to find a professional mover that meets or exceeds your expectations.

Of course, if you need assistance as you search for a moving company, you may want to discuss your options with a real estate agent as well.

A real estate agent can put a Millennial in touch with the best moving companies in any city or town. By doing so, this housing market professional will make it simple for you to get the help that you need for your move.

Lastly, any time you need to buy or sell a house, it pays to hire a real estate agent. This housing market professional will learn about your homebuying or home selling goals and ensure you can achieve your desired results. Plus, if you ever have homebuying or home selling questions, a real estate agent is happy to respond to them.

Ready to relocate to a new address? Use the aforementioned moving tips, and any Millennial can pack up his or her belongings and enjoy a quick, easy move.


Come home to Paradise! Charming and comfortable, light and bright, this waterfront retreat will please all. Located on a quiet, cul-de-sac street of high end homes, the view from the lanai and pool will give you many hours of peace and tranquility. This home features an open floor plan with the emphasis on the view of the waterway and the lanai and pool. The kitchen and dining flow with an extended counter for seating. The split floor plan allows for privacy and the added bonus of a bath accessible from the pool. The heated pool, (both heat pump and solar) is surrounded by a generous deck, a convenient outdoor shower and wide vistas of the saltwater canal and your private boat dock and 10,000 lb lift. A 35' powerboat can fit on the lift perfectly. Upgrades include newer tile roof, AC and hot water heater. Most of the furnishings will remain with the home, no need to go furniture shopping! The location couldn't be better- an easy bike ride to Fisherman's Wharf and downtown Punta Gorda, you're 25 minutes to Punta Gorda airport and minutes to the harbor by boat. It's here waiting for you!

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Humans have been thinking about the way they decorate their homes for thousands of years. In ancient India, Vastu shastra (literally, "the science of architecture") has been informing decorating techniques since as early as 6,000 BCE. The more commonly known influence for home decorating, feng shui, has its roots in ancient China where practitioners were inspired by astronomy. In the early 1900s, however, a modern science was founded that attempts to solve some of the problems that arise based on our environments. Environmental psychology is a field that focuses on the interplay between humans and the environments they live and work in. Scientists have studied the way humans (and other animals, like rats) are affected by their environment. Their findings help to inform us of how we can live more relaxed or focused based on how we decorate our home and workplace.

A place to call your own

As society becomes increasingly urbanized, many psychologists are studying the problems that arise from being in constant contact with one another, both physically and in the digital world. One thing that scientists have discovered is that it is important for humans to have a place of sanctuary during their day. Whether this is your cubicle at work, your home office, or your tool shed, everyone needs a place they can be alone. Ask yourself if your home setup provides you with a space that you can go to be alone.

How colors can affect mood

Have you ever been in a school or hospital that was painted an awful color that just made you uncomfortable? Many of us have trained ourselves to adapt and live with environments that aren't ideal for us. For example, the bright red walls of McDonald's or the blinding fluorescent lights in a department store probably aren't conditions we'd pick for our homes. Scientists have discovered that there is a correlation between colors, brightness, and our mood. Try to match the colors of your rooms with their functions. For example, you wouldn't want to paint your bedroom bright red, as your bedroom should be a place you can relax to fall asleep. Instead, go with a less-pronounced color for the bedroom.

The balance between cluttered and sterile

Much of the way we choose to decorate our homes is informed by our childhood. If you learn meticulous cleaning habits from your parents, you might carry on with this into adulthood. As a child, you probably went to a friend's house and marveled at how differently they did things. Part of that lesson is learning that the way someone chooses to decorate and clean their home is part of their personality. But like most things in life, it's important to find a balance. If you find yourself restless or distracted you should ask yourself if the room is too cluttered or messy. Maybe it's the opposite; you could just as easily become distracted or uncomfortable by an environment that is too sterile looking.

Listen to yourself

The most important thing to remember when decorating your home is to follow your intuitions. Decide if you decorated a room a certain way because that's what everyone else does or if it actually makes you feel more at home.



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