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        <title>Cape Coral Real Estate Blog</title>
        <link>http://www.davidsporleder.com/blog/</link>
        <description>Cape Coral real estate news and info, Fort Myers, Lehigh Acres and surrounding Southwest Florida communities. Search Cape Coral real estate property. Information for sellers and buyers of Cape Coral Real Estate. The latest on homes for sale in Cape C</description>
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            <guid>http://www.davidsporleder.com/blog/cape-coral-florida-top-retirement-location.html</guid>
            <link>http://www.davidsporleder.com/blog/cape-coral-florida-top-retirement-location.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Cape Coral Florida -Top Retirement Location</title>
            <description> <![CDATA[ 
Cape Coral,
Florida and it’s Four Hundred Miles of Canals Voted Top Retirement Location...Again 


I'm not going to go so far as to say that I take life in
Cape Coral, Florida for granted, but I will
say that sometimes I have to take a minute to fully realize the beauty of
this place I call home. Recently, while clicking through the headlines of CNN Money, I came across this year's
list of 25
Best Places to Retire. I can't say that I was surprised to see Cape Coral
listed among the elite (our city is known for making these lists) , but I will
say that it was nice to read what other's have to say about my water
wonderland:




A paradise for water lovers, Cape Coral has more
than 400 beautiful miles of freshwater and saltwater canals


The Caloosahatchee River offers numerous
opportunities for water sports, relaxation, and bass fishing


The rich jazz cultural attractions include
annual festivities, such as the Cape Coral Festival of the Arts, Cape Coral
Sounds of Jazz, and Mango Mania


Crime rate is exceptionally low, as are taxes
and the median home price 




According to CNN, "Cape Coral scores on all fronts."
I couldn't agree more. Being a water enthusiast myself, I took a moment to
reflect on my numerous kayak and boating adventures. I can't think of anywhere
else I've ever visited where the wildlife was so rich and waterfront living was
so convenient. 


Cape Coral Waterfront
Property


How much of Cape Coral is actually on the water? More than
you may think. The 400 miles of navigable canals include both fresh and salt
water. Half of all canal homes enjoy access to the Gulf of Mexico. Along with
canal opportunities, Cape Coral residents also have lakefront homes to consider,
Tarpon Point Marina and Cape Harbour, a lively, gorgeous yachting community
located on the city's South end. With waterfront condos overlooking the marina,
cottages, lake front coach homes, and breathtaking views, there is definitely a
place in Cape Coral that every water enthusiast can call home. 


Waterfront Lifestyle,
Even for Those Not Directly on the Water


Whether or not your Cape Coral property is directly located
on the water really makes no difference. You still have numerous options for
enjoying waterfront living. Need a boat ramp? Cape Coral has more than a few:




Burnt Store Boat Ramp 


Horton Park 



Lake Kennedy Park


Yacht Club Community Park (directly on the
Caloosahatchee River)




Would you rather take in the beauty and the wildlife by
canoeing or kayaking through a protected natural environment? Cape Coral has
that too. The
Four Mile Cove Ecological Preserve is the second largest preserved green
space in Cape Coral, and the perfect sanctuary for the paddler who wants to
enjoy a tranquil day with the herons, ibis, raccoons, and maybe an occasional
alligator. 


Cape residents also have several public, lakefront parks to
enjoy. Whether it's a family picnic or just a walk along the water's edge,
there's literally access to some form of water everywhere you turn in Cape
Coral. 


Do I think the Cape is the best place to retire? Well, I'm
not retired yet, but as far as living, working and playing in paradise every
single day, I can honestly say there's nowhere else I'd rather be. 


If you are ready to take a look at what Cape Coral has to
offer you, we welcome you to give our office a call. We think you'll feel the
same way we do about our slice of paradise. 


 
 ]]> </description>
            <pubDate>Wed, 19 Oct 2011 16:59:40 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/selling-your-cape-coral-home-in-any-market-with-buyer-incentives.html</guid>
            <link>http://www.davidsporleder.com/blog/selling-your-cape-coral-home-in-any-market-with-buyer-incentives.html</link>
            <author>david@davidsporleder.com (David Sporleder)</author>
            <title>Selling Your Cape Coral Home in any market with buyer incentives</title>
            <description> <![CDATA[ 
Selling
your Cape Coral home doesn't have to be a confusing and frustrating process.
There is a right way and a wrong way to put your home on the market.
Unfortunately, many sellers try it the wrong way first. 


Before
we give you the details on buyer incentives, let's quickly go over the reasons
why it is absolutely vital to put your best foot forward right out of the
starting gate. 


Psychology of a Home Sale 



There
are plenty of ways to sell your home the wrong way. A short list would include: 




Putting your property on the market
before repairs or updates have been made.


Pricing your home too high, thinking
you can always lower it later.


Listing your home as a FSBO just to
test the waters. 




Those
are just a few possible scenarios. Why are they wrong? I'm glad you asked. In
order to understand the psychology of a home sale, you need to see it through
the eyes of the potential buyer. Here's the break down. 


As
soon as your Cape Coral property hits the market and is available on the MLS,
the clock starts ticking. The first two to three weeks from the day it is
listed is your 'sweet spot.' That's when your property will get the most online
views, the most attention from other agents, and has the best selling
potential. Now, let's say your property is overpriced or you haven't updated
that 1984 kitchen, "just because you wanted to see if it would sell the
way it is." While you think you
are testing the waters, you are actually losing valuable time before your
property falls into the "red flag" category. 


After
a couple of months on the market without any offers, new potential buyers won't
view your home with the same excitement they did when it was first listed. Once
you become an aged listing the speculation begins. Buyers wonder why your home
hasn't sold. After all, if it was such a good deal, why didn't anyone else
think so? The longer your home sits on the market while you are testing your
theories, the less selling strength it has. 


Buyer Incentives that Work 


So,
what's a seller to do? Do you have to undercut everyone else's price just to
compete in today's market? No! Here are three buyer incentives that offer a
win/win situation. You'll still enjoy a fair selling price, and you're
potential buyer will have that extra reason to choose your home above the
competition. 




Interest Rate Buy-Down - The budget conscious home buyer will take an
interest rate buy-down as a huge incentive. When the seller offers to pay discount
points to the lender to lock in a lower interest rate, this lowers the buyer's
monthly payment, and the points are generally tax deductible as well. Offering
this buyer incentive is a powerful way to put your Cape Coral home at the top
of a potential buyer's list. 






HOA
Credit - Selling your Cape Coral condo? Homeowner's association
fees can be a lot to get used to, especially for first time condo buyers.
Writing that monthly HOA check may be no big deal to you, but you'd be
surprised at how often a prospective buyer will walk due to these monthly fees.
This, of course, is the perfect opportunity to put your condo above similar
units by offering to cover the HOA dues for even six months. 






Closing Cost Credit - Coming up with the down payment often stretches a
home buyer to their limit. Closing costs can run anywhere from 3 to 6 percent
of the loan that the buyer has to come up with in cash. A smart seller can
attract buyers who are right at that tipping point of their budget by offering
to pay a percentage of the home's sale price to defray the buyer's closing
costs. Your listing agent can help you determine how much of a credit you can
afford to offer and how to present it in the listing in order to attract the
most prospects. 




These
are just three simple strategies to put your Cape Coral property ahead of the
other listings from day one. By sitting down with your agent and coming up with
a plan of action right for your situation, you won't have to worry about your
property sitting on the market for months without any offers. 


The
vital key to remember is the fact that the clock starts ticking the day your
home is listed. Put yourself above the other Cape Coral listings by having an
aggressive selling approach from the beginning. 


For
more information on listing and selling your Cape Coral property, don't
hesitate to give us a call. With decades of experience right here in Cape
Coral, we know what buyers are looking for. 


 


 

Tweet
  ]]> </description>
            <pubDate>Sun, 11 Sep 2011 21:29:57 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/cape-coral-fl-care-for-your-pet-kindness-animal-hospital.html</guid>
            <link>http://www.davidsporleder.com/blog/cape-coral-fl-care-for-your-pet-kindness-animal-hospital.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Cape Coral Fl - Care for Your Pet - Kindness Animal Hospital</title>
            <description> <![CDATA[ 
Cape Coral Fl - Care for Your Pet - Kindness Animal Hospital 


If you are a pet owner, it is very likely that you
treat your pet like a member of the family. I know I do. If you are new to Cape
Coral, or simply a new pet owner, and you're looking for the right
veterinarian, there are a lot of things to take into consideration. We want to
find a veterinarian who has genuine care and concern for our furry friends, and
also one who is knowledgeable and able to answer all of our questions. If this
sounds like you, then look no further than Kindness
Animal Hospital in Cape Coral. 


 First of all, they have two convenient locations in
Cape Coral. I have personally taken my dogs to both of the offices and can
attest to the fact that you'll receive stellar service at either location.
Okay, not just stellar service, but highly personal service. The kind you
always "want" to receive from a doctor or health care provider, but
rarely do. 


Emergencies 


We never want to think about emergency situations
or times when unexpected illness may strike our pet. One of my dogs, Sammie, recently
became extremely ill. Dr. Kelly Carver, at the East office, diagnosed and took
care of her as if Sammie was her own. She brought her back to full health. During
this stressful time, I could just tell by the level of care and compassion that
the entire staff has a true love of their work and for animals. 


Unparalleled
Staff Members 


Dr. Kelly Carver is top notch. Also at the East
office, Kim Clay, one of the vet technicians, is a favorite of my four dogs. Unlike
many animals who become fearful of their visit to the vet, mine are always
happy to see Kim. 


Even the front desk supervisor, Kristen Konecny is
amazing. She always remembers my dogs and even inquires about things I told her
about my family a month ago! Yes, the staff is that exceptional! 


Commitment
to Excellence


 Besides the caring staff and exceptional service,
you'll love the Kindness Animal Hospital website. You can sign up for reminders
that will tell you when your pet is due for medications or a visit to the vet.
You'll also find numerous informative articles that cover everything from puppy
care and common health concerns to printable clinic forms. Yep, Kindness Animal
Hospital is high tech too!


 Give them a call today. You can trust them with all
your pet's health and wellness concerns. 


 


Kindness Animal Hospital West 
715 Cape Coral Parkway W 
Cape Coral, FL 33914 
Phone: 239-542-7387


 


Kindness Animal Hospital East 
1711 S E 47th Terrace 
Cape Coral , FL 33904 
Phone: 239-945-0111
 ]]> </description>
            <pubDate>Tue, 06 Sep 2011 14:01:41 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/cape-coral-insurance-information.html</guid>
            <link>http://www.davidsporleder.com/blog/cape-coral-insurance-information.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Cape Coral Insurance Information</title>
            <description> <![CDATA[ 
Cape Coral Insurance Information 


Whether you've recently purchased a Cape Coral home, vehicle, boat, or are in the market for a new life insurance policy, we recommend you take a look at the Cape Coral Insurance Center. 


Owner, Damon Sleicher is dedicated to offering budget friendly insurance coverage that fits your specific needs. Unlike many insurance "salespeople" who simply push the most convenient policy, Cape Coral Insurance Center will make sure you have the right coverage. 


Homeowner Insurance 


Florida requirements and coverage options for home-owner's insurance are likely to be different than you may have experienced in another location. There are numerous discounts available for Cape Coral properties that meet certain storm and wind specifications. 


Flood insurance is also another concern. Most home-owner's insurance doesn't automatically cover Florida properties for flood damage. Cape Coral Insurance Center will analyze your current policy, suggest changes and policy improvements based on your risk assessment, and make sure you are not paying more than necessary for the coverage you need. 


Boat Insurance 


Did you know that the number one myth surrounding boat insurance is that most boater's believe their insurance policy covers them wherever they travel? With some policies, this is true, but with others, the coverage is limited to 100 nautical miles of your home port. Are you aware of your current coverage? Was it thoroughly explained to you at the time you purchased your policy? If you'd like to double check, I suggest you give Damon a call. He will make sure you are fully aware of any limitations of your current coverage, and suggest any improvements. 


Other Insurance Solutions 


Cape Coral Insurance Center also provides a full line of insurance, including the following: 




Homeowners 


Flood 


Personal Auto


Personal Watercraft


Renters


Personal Umbrella 


Business Liability


Business Fleet


Individual/Family Health


Long Term Care


Life Insurance 


Medicare Supplements and Advantage Plans 




As a long time resident of Lee County, Damon Sleicher is dedicated not only to providing the best insurance plans to businesses and individuals, but his commitment to excellence shows in his community involvement as well. 


Give Cape Coral Insurance Center a call today, or stop by their Cape Coral Parkway location. You'll receive a free consultation and quote, and if you currently have the best insurance coverage and the lowest rates possible, Damon will gladly advise you to stick with your current provider. 


 


Cape Coral Insurance Center1103 Cape Coral Pkwy. E #ACape Coral ,FL 33904Phone: 239-549-6255Toll Free: 866-549-6255
 ]]> </description>
            <pubDate>Mon, 15 Aug 2011 11:49:41 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/cape-coral-home-buying-process.html</guid>
            <link>http://www.davidsporleder.com/blog/cape-coral-home-buying-process.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Cape Coral Home Buying Process</title>
            <description> <![CDATA[ 
Cape Coral Home Buying Process


Tip for Home
Buyers: The Number One Way to Lose the Home of Your Dreams


Whether you
are looking to purchase a Cape Coral property for your primary home, an
investment property, or to join the ever-growing group of snowbirds who enjoys
Southwest Florida as a winter retreat, you certainly don't want to lose your
dream home after you've put in an offer. 


Just picture
it. You decided on your price range, square footage, location, and compared at
least half a dozen Cape Coral properties. You finally found the one that
exactly fits your specifications, make an offer and...the home is sold right
out from under you. Wait, no...That's not the way the story is supposed to end,
is it? Unfortunately, there is one top reason why this occurs. Want to prevent
this scenario from happening to you? Keep reading...


Understanding the Cape Coral Home Buying Process...No,
REALLY Understanding


The home
buying process is pretty simple and straightforward, when you understand how it
all works together. Here's a breakdown of the steps, along with the reasons
"why" the steps are there. 


Gathering the Necessary Information
to Qualify for a Mortgage


Believe it
or not, this is the number one reason most potential buyers we have encountered
lately have lost the home they really wanted. It's not that they don't have the
finances, actually, that would be okay. So, you thought you could buy the home
and it turns out you can't really afford it. But instead, many home buyers and
investors who have the funds fail to take the time to gather the necessary information
and the seller ends up taking another offer. Frustrating? Yes, but completely
avoidable! Here's how:




Financing Your Cape Coral Home or Property - If you plan on financing your new
Cape Coral home, you'll need a letter of pre-approval. This is different than prequalification.
Prequalification just means your potential lender has taken your information
"at your word" and provided you with a rough estimate of your lending
capabilities. 




 


On the other hand, a preapproval letter means that you've actually applied
for the loan, all your credentials have checked out, and your funding is
secure. If you will be financing your home, a letter of preapproval is vital.
Why? It shows the seller you are serious about purchasing a home, so, when your
offer is on the table with other potential buyers and YOU have a letter of
preapproval, you have the upper hand. Your offer is much more likely to be
accepted. 




Cash Buyers - If you plan on paying cash for
your property, you will still need proof of funds. Just because you are aware of your net worth and
your available funds, doesn't mean a thing to the seller. You will need to
produce one of the following documents:




 


1.  Original bank statement


2.  Open equity line of credit


3.  Certified financial statement


4.  Online banking printout


5.  Copy of your money market
balance


 


Seems like a
pretty simple reason to lose your dream house, doesn't it? When you are busy
searching for a home, you may not always think of this part, especially if you
know you have the financing. Remember, in order to increase your bargaining and
negotiating power and to have the best chance of your offer being accepted,
give the seller peace of mind by providing proof of your finances or a
pre-approval letter. 


 


Additional perk?
You'll enjoy a faster closing period (which again, strengthens your buying
power). If you are ready to begin searching for your perfect Cape Coral
property, give us a call today. We'll be happy to assist you, and we'll make
sure your dream home doesn't get away!


 


 


 


 


 
 ]]> </description>
            <pubDate>Mon, 08 Aug 2011 11:45:54 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/understanding-fannie-mae-homepath-mortgages.html</guid>
            <link>http://www.davidsporleder.com/blog/understanding-fannie-mae-homepath-mortgages.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Understanding Fannie Mae HomePath Mortgages</title>
            <description> <![CDATA[ 
Understanding
Fannie Mae HomePath Mortgages 



Whether you
are looking to purchase your first Cape Coral property, or interested in
investing in a vacation home, there are two loans that are getting a lot of
attention right now. These are the HomePath Mortgages currently being offered through
Fannie Mae. Specifically, there are two types of loans available, the HomePath Mortgage and the HomePath Renovation Mortgage. Here's
the breakdown on these two loans and how you can qualify and benefit from them.



HomePath Mortgage Loan


The HomePath Mortgage is designed
to help potential home buyers purchase a Fannie Mae owned property by providing
Cape Coral home buyers with the following pretty attractive benefits:


·        
A low down payment and the option
of fixed, adjustable, or interest only mortgage terms.


·        
The ability to qualify with less
than perfect credit. Borrowers with a credit score as low as 580 qualify for
the program, but only at 80% of the loan. The higher your credit score, the
more of the loan value you will be eligible for. 660 is the score necessary for
95-97% loan-to-value. 


·        
The loan is available to
investors as well as owner, occupiers. This is excellent, since no one is left
out, not even those wishing to purchase a second home. 


·        
No need for mortgage insurance.
This is quite an attractive feature of the loan.


·        
Expanded seller contributions to
cover closing costs. This program allows up to 6% of the purchase price to be
given by the seller towards the closing costs. This can prove to be a huge
benefit for those who need that extra help to get into a home. 


·        
No lender requested appraisal
necessary. 


What Do
We Think About The HomePath Mortgage?


Basically, this program is a
complete win for potential buyers of Cape Coral property. The HomePath program
requires very little down, low monthly payments, and eliminates those potential
deal killers, which are appraisals and closing costs.  


The
HomePath Renovation Mortgage


The HomePath Renovation Mortgage
has most of the same benefits and qualifications (such as a minimum credit
score), but this loan is specifically created for homes in need of light to
moderate renovations. This loan provides the funds for the purchase of the home
along with the amount necessary for the renovation. The renovation amount is
based on appraisal 'as completed' value. 


All of the other stipulations are
the same, no mortgage insurance, low down payment, and available to investors
and those looking to purchase the property as a first or second home. 


There are some specifics you'll
want to be aware of about the renovation allowance and details. If you are
interested in a Fannie Mae owned Cape Coral property, please give our office a
call. Our qualified staff will be happy to answer your questions and take you
every step of the way. We will help you locate a HomePath Renovation Mortgage
lender or a HomePath Mortgage lender, depending on your needs. 


For more information, available
directly from the government website, you can visit the HomePath Mortgage page.
There's no time like now to take advantage of Fannie Mae's large inventory of
homes along with this excellent program to help potential home buyers.
 ]]> </description>
            <pubDate>Sun, 07 Aug 2011 11:38:34 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/cape-coral-waterfront-property-what-are-those-jumping-fish-anyway.html</guid>
            <link>http://www.davidsporleder.com/blog/cape-coral-waterfront-property-what-are-those-jumping-fish-anyway.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Cape Coral Waterfront Property: What Are Those Jumping Fish, Anyway?</title>
            <description> <![CDATA[ 
Cape Coral
Waterfront Property: What Are Those Jumping Fish, Anyway?


Hey, what
are those jumping fish in the canal? As a long time resident of Cape Coral,
I've been asked that question more times than I can count. If you are
interested in Cape Coral waterfront property or off water Cape Coral homes,
chances are pretty good that you have an interest in fishing as well. For those
of you who still don't know what those lively jumping fish are called that
grace our saltwater canals (or how to catch them), this article is for you. Oh,
and don't worry, we'll cover the other fish too. 


There's Great Fishing in These
Waters!


Because Cape
Coral's extensive canal systems (over 400 miles) include both freshwater and
saltwater canals, as well as lakes, there are numerous fishing opportunities
for the visitor or resident in search of a catch. Whether you plan to fish by
boat or right off of your backyard canal, here is a list of what you'll find:


Freshwater Canal Fishing


Freshwater
canals are home to more kinds of fish than you may think. Here's what's been
recently reported in our waters.




Largemouth Bass


Alligator Gar


Black Crappie


Bream


Grass Carp


Blue Gill


Red Ear and Green Sunfish


Mayan, Midas and Oscar Cichlid




Once you get
used to certain fishing areas, you'll be able to recognize exactly where the
Bass hang out, and who doesn't want to catch a Bass? 


Saltwater Canal Fishing


The
wonderful thing about Cape Coral living is the fact that you can catch
saltwater fish right from your canal (that is, of course, if you happen to live
on a saltwater canal). The closer to the Caloosahatchee River you are, the
better the fishing is likely to be. Saltwater canals generally have excellent
fishing close to the seawall, so there's no need to try to cast out to the
middle of the canal. What can you reel in? 




Snook


Redfish


Snappers


Grouper


Sheepshead


Crevalle Jacks


Striped Mojarra




If you are
relatively new to fishing, high tide is best, and if you throw out your line
out just after a nice summer rain, you are sure to reel in a catch. 


The Scoop on the Jumping Fish


Ready to
learn what those lively jumpers are in your saltwater canal? Ok, here's the
scoop. They are called Mullet, and are a favorite food of any respectable
Florida Cracker. They are easiest to catch with a cast net, but since that's
illegal in Cape Coral waterways...not a good plan. Aside from cast net fishing,
they are a tricky fish to catch. It used to be a favorite family pass time in
days gone by, but has become somewhat of a dying sport. 


Here's how
the pros do it - Florida natives chum the fish up by laying mash (available in
bait shops) and using a cane pole, #4 hooks, and white plastic worms or plastic
flies for bait. Cast right into the baited area and watch your strike
indicator. If you do happen to master the art of Mullet fishing, they are
wonderful broiled or smoked. Only catch as much as you can eat in one meal
since they taste best when fresh. 


Deep Sea Fishing


Whether you
are a boat owner or decide to go with a charter, deep sea fishing in the Cape
Coral area is some of the finest in the world. In one day you could catch any
number of fish, including Snook, Redfish, Spotted Sea Trout, Grouper,
Amberjack, Tarpon, Mahi, Spanish Mackeral, Kingfish, and even a shark. 


Cape Coral Area Fishing Events &amp;
Fun


This article
wouldn't be complete without mentioning the upcoming fun and often crazy events
going on in our area:




The 12th annual Grouper Grab will take place
     August  19 - 21 at Cape Harbour to
     support Blessings in a Backpack. 


The Summer Slam Shootout, an
     exciting catch and release fishing tournament,  which takes place on Fort Myers Beach,
     from September 23 - 25. These anglers will show you how it's done, as they
     compete for cash, trophies, and bragging rights!




As you enjoy the many fishing opportunities from your Cape
Coral property or a nearby waterway, don't forget your fishing license and
'please practice safe angling' by learning and obeying fishing and boating
rules and regulations. 


If you are visiting our little slice of paradise and
thinking about relocating (and who could blame you?) give us a call. We'll be
happy to explain the different waterways and familiarize you with available
Cape Coral homes in our fisherman's paradise. 


 


 
 ]]> </description>
            <pubDate>Fri, 15 Jul 2011 12:27:35 -0500</pubDate>
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            <guid>http://www.davidsporleder.com/blog/cape-coral-propertymaking-it-more-energy-efficient.html</guid>
            <link>http://www.davidsporleder.com/blog/cape-coral-propertymaking-it-more-energy-efficient.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title> Cape Coral Property....Making it More Energy Efficient</title>
            <description> <![CDATA[ 
Cape Coral Property....Making it More Energy Efficient 


With the rising cost of fuel making
everything we consume more expensive, it's more important than ever to make your
Cape Coral home as energy efficient as possible. Not only will you save money
on your monthly utility bills, but there are numerous federal tax incentives
for residential home owners who make certain upgrades and install energy saving
appliances. Most of us have noticed the Energy Star logo when shopping for a
new washer, dryer, or water heater, but what does it really mean? Here's the
savings breakdown along with available tax credits, up to date as of 2011. 


Energy Tax Incentive
Breakdown 


Home
Envelope Credits -
Sealing cracks and holes in your Cape Coral home will ensure even temperatures throughout,
and reduce the cost involved in heating and cooling. By adding properly
installed insulation to walls, ceilings, and attics, and installing high
performance, energy efficient windows and doors, you can effectively keep the
heat outside, where it belongs. Just this first step can greatly reduce your
monthly cooling costs, while also providing a tax incentive. 


Certain window films may be eligible for
tax incentives. In order to qualify, the manufacturer must certify that the
film meets the requirements of a qualifying insulation system. 


Tax credits for these improvements are
currently 10% of the cost, with a $500 per home cap. Certain improvements allow
the cost of labor to be factored into the 10% credit (such as home heating and
cooling systems), while other improvements (insulation and windows) includes
material costs only. Windows and doors must meet the Energy Star guidelines to
be eligible for credit. For a full explanation of the tax credit for each,
check the Tax
Incentives Assistance Website. 


Heating
and Cooling Credits
- When shopping for a new heating and cooling system, keep in mind that air
conditioners and heat pumps are eligible for tax credits as well. Central air
conditioning units must meet the Seasonal Energy Efficiency Ratio of 16, which
is a 2009 standard set by the Consortium for Energy Efficiency. By purchasing a
unit that meets these standards, you will qualify for a credit up to $300. 


Water Heater Credits - Look for
the Energy Star logo when purchasing your next water heater and you can receive
a tax credit that will cover up to $300 of your cost. 


How to Actually Receive the Tax
Break - In order to claim these improvements and be in line with IRS
guidelines, you'll need to use the IRS Residential Energy Efficient Property
Form 5695. You'll also need to obtain a copy of the manufacturer's
certification for each energy efficient improvement. You can get the
certification from the retailer or from the installer, depending on what type
of improvement was made. You won't need to actually submit the certifications
when you file, but keep them on hand in case the IRS has questions or asks for
your supporting documents. Keeping records of all improvements, installation
dates, and receipts, will make it much easier when tax time comes. 


The above
list includes some of the most common energy efficiency improvements you can
make to your Cape Coral property. A full list is available on the Energy
Tax Incentives website. Making these improvements now can also increase the
value of your Cape Coral home and add to your home's selling points.  


 
 ]]> </description>
            <pubDate>Tue, 12 Jul 2011 07:30:37 -0500</pubDate>
                    </item>
        <item>
            <guid>http://www.davidsporleder.com/blog/you-did-what-the-top-mistakes-sellers-make-when-choosing-a-realtor.html</guid>
            <link>http://www.davidsporleder.com/blog/you-did-what-the-top-mistakes-sellers-make-when-choosing-a-realtor.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>You Did What? The Top Mistakes Sellers Make When Choosing A Realtor</title>
            <description> <![CDATA[ 
You Did What? The Top
Mistakes Sellers Make When Choosing A Realtor


Are
you thinking of selling your Cape Coral property? Before choosing a real estate
agent to represent you, read this!


It's
no secret that selling a home (and purchasing one) is often charged with
emotions. Regardless of the reasons behind your Cape Coral home sale, you'll be
dealing with certain attachments you've formed while living in the house you
are now listing for sale. Choosing the right real estate agent will not only
keep you on track with pricing and let you in on quick improvements that can be
made, but an experienced, committed agent will also make negotiations and
seller communication a smooth and stress free experience. 


So
how do you go about choosing the right real estate agent? The first step is by
treating a home sale like any other business transaction and avoid making these
top 5 seller mistakes. Let's take a look:


Mistake
#1 - Your brother's best friend just got
his real estate license. You should go with him. Friendships or relations
are wonderful, but they won't get your home sold. You wouldn't hire a doctor or
attorney based on friendship. A real estate agent should be no different. A
successful home sale has the potential to provide you with solid financial
gain, and a true friend will understand that this is not personal. It's a
business decision. 


Mistake
#2 - Listing with the agent because they
are the only one who agrees with your selling price. You'll always be able
to find someone who tells you what you want to hear. Sometimes, an
inexperienced and overzealous agent will simply resort to solidly agreeing with
just about anything to obtain a listing. You really want an agent who will sit
down with you, provide you with current market values for comparable Cape Coral
homes in your area, and personally assess your home, providing you with solid
reasons behind his or her recommended listing price. 


Mistake
#3 - Going with the agent who wants to
list high, because the price can always be lowered later, right? Homes get
the most attention during the 2-3 week window that it is considered a new
listing. Pricing your home properly from the beginning will draw the most
attention from other agents and the chances of selling will be high. When your
home is priced too high, it will sit on the market and raise potential red
flags in the minds of potential buyers once the price is lowered. 


'Why
hasn't it sold? Is there something wrong with the home that I don't know
about?' These are the types of questions that will run through the minds of
would-be-buyers. You may end up having to accept a price far below what you
could have gotten for it, had your home been priced properly in the first
place. This is a game that should never be played. 




Mistake #4
- This agent promises to hold an open house every week. Open house
events can and do sell homes, but usually not YOUR home. Yep, you heard me
right. In reality, only a very small fraction of homes sell as a direct result
of an open house. Most of the time, real estate agents use open house events as
a way to network with other prospective home buyers. If your Cape Coral home
doesn't fit the potential buyer's needs, the agent will have the opportunity to
discuss other possible choices and possibly sell another home (but not yours)
to a client. 


Instead of
relying on open house events alone, ask your potential agent to explain all the
avenues of marketing they will use to bring visibility to your home. A featured
spot on a prominent website, online virtual tours, an established network with
other agents, and constant connections with qualified buyers are far more
powerful marketing methods. Currently, over 85% of Cape Coral home buyers use
the Internet to locate and view potential homes. 


Mistake
#5 - Listing with the agent who takes
the lowest commission. Although an agent offering a cut rate commission
seems noble, the old saying holds true, "You get what you pay for."
When an agent offers to take a commission cut, you have to ask yourself why.
Often, an inexperienced agent will use this as an attempt to gain listings.
What will you get in return? A sign in your front yard, placement in the
Multiple Listing Service (MLS) and little additional effort. 


Realize
that selling your Cape Coral property involves an agent putting up their own
funds to advertise and market your home properly. A committed and experienced
real estate agent earning a full commission will be available at all hours and
handle every challenge and situation that arises. Also, keep in mind that the
art of negotiation is a vital skill your agent should possess in order to
successfully sell your property. Are you willing to put your trust in an agent
who can't even negotiate his or her own commission? 


Bottom
line here? The best real estate agent is the one who will fully utilize every
resource and strategy to effectively sell your Cape Coral property. Experience,
marketing abilities, communication, commitment, and negotiation skills are a
must. 


If
you are ready to list your Cape Coral home, we will be more than happy to
assist you with a free consultation, a market analysis, and a home assessment.
Give our offices a call today. You'll be glad you did!


 
 ]]> </description>
            <pubDate>Thu, 07 Jul 2011 09:51:22 -0500</pubDate>
                    </item>
        <item>
            <guid>http://www.davidsporleder.com/blog/florida-home-owners-insurancestep-by-step-savings-guide.html</guid>
            <link>http://www.davidsporleder.com/blog/florida-home-owners-insurancestep-by-step-savings-guide.html</link>
            <author>mray@davidsporleder.com (Mary Ray)</author>
            <title>Florida Home Owners Insurance...Step By Step Savings Guide</title>
            <description> <![CDATA[ 
Florida Home Owners
Insurance...Step By Step Savings Guide


 


If you are ready to invest in Cape Coral property, you
definitely need the inside scoop as far as homeowners insurance goes. A Google
search online brings up numerous websites, many of them completely useless as
far as detailing exactly how to save on Florida home insurance. 


Being in the real estate business, we've walked countless home
buyers through the homeowners insurance process, so we've decided to let you in
on this information by offering home insurance savings information, especially
for Cape Coral properties and the Greater Fort Myers area. 


How to Save on Florida
Homeowners Insurance 


Although no one really likes to think about hurricanes, that is
exactly what insurance companies have on their mind when writing a policy for a
Florida homeowner. Because of the potential risk of hurricane damage, this is
the first thing a Cape Coral property owner should consider as well. 


The more 'hurricane safe' your new Cape Coral property is, the
better your insurance rates will be. Here are some things to look for when
viewing potential investment property: 


Windstorm &amp; Hurricane
Related Discounts 




Roof Discounts
- The age and materials your roof is constructed from can either qualify you
for an insurance discount, or leave you paying higher premiums. Your home
inspection, conducted before purchase, will provide you with the necessary information
to check on discount eligibility. Sometimes a roof can appear to be in
excellent condition, but, for example, it may be an asphalt shingle roof that
was built according to earlier standards and no longer qualifies. 




The shape, or pitch of your roof can also qualify you for home
insurance discounts. A hip roof, which is sloped on all sides like a pyramid
currently qualifies for a discount. 




Hurricane Protection
- Hurricane shutters for windows and exterior doors, impact resistant garage
doors, and impact and wind resistant windows qualify for insurance discounts. A
wind mitigation inspection will identify these and any other construction
features that can reduce potential loss from hurricane or high winds. 






The Biggest Savings for Hurricane Protection - Be sure to ask questions when shopping for home insurance for
your Cape Coral property. Insurance companies are required by law to let you
know what you can do to qualify for the largest discounts for your particular
residents. Often, small things that can be easily taken care of will offer huge
savings. For instance, if your Cape Coral home has hurricane shutters for all
windows but does not have an impact resistant garage door, you could be missing
the entire discount. By asking the right questions you will be aware of simple
changes you can make that will result in the largest savings. 




Other Home Insurance Discounts 




Burglar Alarms / Dead Bolt Locks - Theft protection qualifies for an insurance discount. 






 Fire Alarms / Smoke
Detectors / Sprinkler Systems- These
offer small discounts, but of course, every little bit helps. You'll also want
to own at least one working fire extinguisher and have it in an approved area
of your home. 






Personal Factors - If
you are a non-smoker or if you have good credit, you may be eligible for lower
insurance rates. 




Bad Ideas 


Here are a few things that can raise your insurance premiums or
cause you to be dropped altogether. 




Large, low hanging tree
limbs within a foot of your home


A trampoline


An elevated playground


A pool slide


A pool or spa without
proper fencing


Aggressive breeds of
canines 




By following the guidelines above, you can save up to 40% on
your Cape Coral home owner's insurance. Remember, as of a regulation that went
into effect in October of 2005, property insurance companies must make
policyholders and potential policyholders aware of discounts available. 


If you are currently looking to invest in Cape Coral property
and have questions, please give our offices a call. We will be glad to assist
you every step of the way. 


 


 
 ]]> </description>
            <pubDate>Wed, 06 Jul 2011 07:47:47 -0500</pubDate>
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