Advice for buyers and sellers, from Justin Ruzicka

buying a home

Economics 101 – Division of Lab...

Economics 101 – Division of Labor

It is tough talking in terms of “theory” as it makes it hard to conceptualize, so instead lets talk about real life. However we have to use something that we both have in common that is close to our heart…so do you know of a good firefighter? I’m not talking about the guy who just […]

For SALE by Owners

forsalebyowners_houseguy

WHAT GOOD IS A REALTOR? WHY DO I NEED TO HIRE A REALTOR IN TODAY’S MARKET?  Both of these are great questions, and if the Realtor you  are interviewing can’t explain the benefits they offer, well you are right in NOT hiring them…But I think it unwise not to hire a Realtor at all.  A […]

What Stops Me from Budgeting

Greenville Realtor is successful_houseguy.org

Budgeting is often thought of as a bad word. I know it my household it rarely gets used. But why is it that we all tend not to do Monthly Budgets. Fear: We are afraid of the truth…that this pay check to pay check lifestyle is actually not sustainable.   (But I have been doing it […]

Full Time Real Estate Agent

Full Time Real Estate Agent

You might be considering to buy a home in Southwest Florida.  You are here on vacation at one of the many Waterfront Properties in Cape Coral, FL or you are spending time on Fort Myers Beach and you dream of living here.   After all in the middle of winter when it is snowing everywhere […]

Take the OFFER, it’s Good.

Take the OFFER, it’s Good.

In today’s fast pace, high rolling life of a realtor as glamorized by wonderful shows on HGTV (ps these shows are rarely ‘reality’ for most agents), sellers often think, the offer is too low.   Lets take a $150,000 Single Family Home in Cape Coral Florida, which by the way that price range is quickly disappearing.   […]

Truth on Home Mortgage Payments

Truth on Home Mortgage Payments

Understanding your home mortgage: Data based on $200,000 Purchase Price, $20,000 down payment resulting in: 30 year, $180,000 home loan at 5.5% Interest (no taxes or insurance are taken into consideration in this article, and there is no PMI). Your monthly Loan Payment will be $1022, multiply that by 360 payments (30 years) = $367,920 […]

Buyers Closing Costs

Buyers Closing Costs

This article looks at the closing costs and down payment expenses a buyer will have who is purchasing a $200,000 home with a 15% down payment! The article covers almost every costs a buyer will encounter, adds up the dollars, and is from a real life example. This is a great article for first time buyers and any buyer who is wanting to understand how much money they will need to pay out of pocket when purchasing their next home.

Refinancing, When should I?

Refinancing, When should I?

Is it a good time to refinance that high interest rate loan you have? Working through an amortization schedule may be helpful. Justin Ruzicka the houseguy helps homeowners understand the true costs of Refinancing and the savings that may come from refinance.

Mortgage Lenders Underwriting

Mortgage Lenders Underwriting

Real estate industry has many still who may not be the brightest bulbs in the bunch…as experts we need to demand excellence. That is what Vince Lombardi taught!!!

Buying your Home in Fort Myers Florid...

Buying your Home in Fort Myers Florida

Do you want to buy the PERFECT HOME, then you need to read this Blog.

If you are wanting to work with a buyer’s agent who is a great negotiator, able to save you thousands on your home purchase, loves real estate, loves Fort Myers, Cape Coral, Bonita Springs, Estero and Lehigh Acres homes, then drop me a line or search the MLS on my main website. Because, I Justin Ruzicka, the HOUSEGUY.ORG, would love to help you find your next perfect home!