Advice for buyers and sellers, from Justin Ruzicka

first time buyers

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 […]

Closing Documents

Closing Documents

You are buying a house or condo in Fort Myers, Cape Coral, or Bonita Beach Florida, and you are wondering; “what will I be signing at closing table?”  I mean the real estate process is scary and then even more intimidating when getting a loan, it all boils down to the “closing table.”   Here […]

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 […]

Rate of Absorption

Rate of Absorption

Knowing the Rate of Absorption also indicated by months of Inventory is a helpful indicator of the Real Estate Market.  Is it a “buyers” market, with inventory levels exceeding 7 months.  OR is it a “sellers” market with inventory levels under 6 months which is equivalent to homes selling faster than hot cakes at McDonalds.  […]

Top 3 for all First Time Buyers

Top 3 for all First Time Buyers

Fort Myers Realtor helps with three key items every first time buyer needs to know.

Current Mortgage Rates

Current Mortgage Rates

Knowing the current mortgage rates will help you be able to estimate properly your monthly expenses for owning a particular home as well as helping you know that amount of money you will need to bring to the table at closing. Also helps you negotiate your interest rate down with the mortgage broker you are working with.

Good Faith Estimate or GFE

Good Faith Estimate or GFE

Justin Ruzicka the Houseguy.org offers help to first-time buyers, investors and second home purchasers who are looking at Good Faith Estimates and understanding the purpose of a GFE and how to find out the costs for getting a loan on a home you are looking to purchase.

New Construction Housing

New Construction Housing

Whether you are a first time home buyer or a seasoned veteran of buying homes; here are some things to consider when working with local builders and home contractors in Cape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Lee County Florida. General issues to consider prior to entering a contract for new construction are: Construction Time Frames, Deposits, Change Orders, Inspections, Draw Orders…

Fort Myers Home Values Increase 30%

Fort Myers Home Values Increase 30%

National Housing Numbers Rebound and Lee County Home Values increase over 30% year over year in August, 2012. Good news from the association included the higher selling prices of traditional homes that helped boost the area’s overall median price, an increase of 30.9 percent in August to $127,000 from $97,000 a year ago. It was the sixth month in a row that the median price has been above $125,000.

“The market indicators are up in Southwest Florida,” said Marion Briggs, association president, in a statement about the local numbers. “For the past six months the median price has remained above $125,000, due largely in part to the fact that traditional properties have been the majority of our single home sales, which is very good news.”

Fort Myers First Time Home Buyer and ...

Fort Myers First Time Home Buyer and VA Loan

Justin takes great pride in helping First Time Home Buyers!!!!! If you are looking for a realtor you can trust, and who works very very hard for you, then read on, we are sure you will find Justin to be that realtor.