What others are saying about Bob!

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Cape Coral, Cape Coral Home for Sale, Cape Coral News, Cape Coral Real Estate, Florida Housing Market, Florida Real Estate News, Real Estate Advice, Real Estate Investment, Real Estate Market, Real Estate News, Realtor, Reviews, SWFL Homes for Sale, SWFL Real Estate, SWFL Real Estate Advice

Don’t take our word for it, take theirs!

When it comes to the sale of your home or the purchase of a new one you want to make sure that you hire someone who really knows their stuff and has your back. Anyone can toot their own horn but the important thing is to get feedback from previous customers and hear exactly how their experience was. Today, we want to share just a few Reviews on what people are saying about Bob Ashworth, Your Real Estate Solutions Provider!

Recent Reviews

We made the initial mistake of connecting with a “specialist” realtor, one who was reputed to be the go-to guy in our development. Well, he had three open houses, none of which produced an offer, and which produced very little traffic. He also missed on setting the market value of the home. After several months, we changed realtors. Enter Bob Ashworth, with his no-nonsense approach. We took his advice re the value of the house and priced it accordingly. He also developed a marketing plan which produced what we needed, Traffic! Within a few weeks of hiring Bob, we had an offer which ultimately led to the sale of our home. Our only regret is that we failed to hire Bob from the get-go.

Bill and Sherry Clancy

“Bob knows the market in our area, had a very strong marketing plan and put together a beautiful listing package. Bob was a pleasure to work with throughout the entire process, protecting our interests throughout the negotiation, buyer inspections all the way through closing and funding. I would strongly recommend Bob as your selling agent for anyone with high end homes in Cape Coral and southwest Florida.”

Katherine Cucco

There are very few people as kind, professional, and supportive as Bob. Being a young first time home buyer I didn’t know much about buying a house. He was there through the ENTIRE process, every step of the way. I was in a certain budget range and he was so patient with me on finding that perfect house I was looking  for. He went above and beyond for me and was available any time I needed him not just for specific house questions but anything at all having to do with the process of buying a house. I really can’t say enough good things about Bob and will be HIGHLY recommending him to all of my friends and family. Thanks again Bob I feel like I hit the lotto with you as my realtor!

Jessica Sallee

All real estate brokers should all strive to be like Bob. He has an expert knowledge of his market, and is very professional. He has proved to be very helpful negotiating when I was selling  my property earlier this year. I would also like to add that Bob has very high integrity. Other estate professionals I worked with in the past always left me with a question  – “is this person trying to help me or help him/her self?” That wasn’t the case with Bob. I found him to be very honest and trustworthy.

Kevin Jahng

Awesome realtor. Constantly kept great communication and was always easy to get in contact with. Extremely professional at all times. Highly recommended, you will not  be disappointed.

Ivan Mena

My husband & I made the difficult decision to sell our beloved Florida home due to us getting older. Bob Ashworth had been referred to us and from the moment he met with us he was the best. Not only did he take advantage of multi-media, internet sites and his personal page, but he continually followed through with making suggestions and with evaluations  of what we could do to sell our home. We were able to get a comfortable price for our home in a relatively short amount of time. I would highly recommend Bob Ashworth as a first class agent and representative for selling and/or buying a home.

Laura Durham

We invite you to like us on facebook, connect with us on Google+, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like us on Facebook   Follow us on Twitter  View our profile on LinkedIn  Visit our blog  Find us on Yelp   Find us on Google+

 Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

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Finding Happiness is easy in this Floridian Paradise!

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral, Cape Coral Condo For Sale, Cape Coral Home for Sale, Cape Coral News, Cape Coral Real Estate Market, Cape Coral Realtor, Florida Real Estate, Fort Myers News, Real Estate Market, Real Estate News, SWFL News

 florida-is-your-happy-place

I’m always happy to share these articles which show that Southwest Florida and Cape Coral consistently rank in many surveys as one of the best places to live, retire and find happiness. My goal, as a Real Estate Solutions Provider, is to help my clients find their dream home in this wonderful Floridian paradise that will meet their needs and wants along with their budget.  If you or someone you know is in the market to purchase a home, condo or lot in the area please have them give me a call at 239-425-2503.

Florida is your happy place, a new survey shows

logo-NAPL-27698Clap along if you feel like a room without a roof.

Because you’re happy — at least if you live in Florida, according to a list compiled by HomeAdvisor, a Golden, Colorado-based company that matches contractors with owners who need work done to their homes.

In the spring, HomeAdvisor surveyed 17,629 homeowners across the country, asking them 87 questions to assess how happy they were in their homes.

They found contentment came from three factors:

  • how accessible the house is to important local services and attractions;
  • how safe, diverse and well-knit the surrounding neighborhood is;
  • how comfortable, affordable and well-functioning the home itself is.

Based on those criteria, Florida was in the top 10 states for happy homeownership, ranking sixth.

Outranking the Sunshine State were, in order, California, Washington, New Mexico, Colorado and Arkansas.

The least happy states were Mississippi, Maryland, Indiana, New Jersey and Delaware.

Miami ranks seventh among cities

The survey focused only on the country’s largest cities; breakdowns for the Naples and Fort Myers weren’t available.

However, of 36 cities nationwide, Miami ranked seventh and West Palm Beach 15th.

But other recent surveys have pointed to the Naples area, at least, as a place to find your bliss.

Southwest Florida communities

Last month, the Naples-Immokalee-Marco Island metro area topped the annual Gallup-Healthways State of American Well-Being survey, which measured everything from physical health to a sense of security in 190 metro areas nationwide.

Naples was particularly rich in people who think their community and social ties are strong and who have a sense of purpose, the study found.

Florida ranked 12th on the list of happiest states, the Gallup-Healthways survey found.

In 2014, two economics professors from Harvard and the University of British Columbia analyzed data from the U.S. Centers for Disease Control and Prevention and a number of other studies measuring self-reported life satisfaction, controlling for income, race, education, marital status and family size.

The Naples area was fourth on that list of happiest places, after Charlottesville, Virginia; Rochester, Minnesota; and Lafayette, Louisiana.

Click here to view original article from the Naples Daily News.

Photography by HJL photo

Photography by HJL photo

As a Southwest Florida Real Estate Agent it’s my job to educate my clients and help them get exactly what they want and make sure their best interest are being considered in every detail of the purchase. This blog is all about educating you and empowering you with all the industry news, information, tips and things to consider before buying or selling your home. If you found this article interesting and know someone else that might benefit from it please feel free to share!

SWFL Real Estate

We invite you to like us on facebook, connect with us on Google+, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like us on Facebook   Follow us on Twitter  View our profile on LinkedIn  Visit our blog  Find us on Yelp   Find us on Google+

Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog Find us on Yelp Find us on Google+

7 Open House Tips by RE/MAX

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral, Cape Coral Condo For Sale, Cape Coral Home for Sale, Cape Coral Real Estate, Cape Coral Real Estate Market, Cape Coral Realtor, Condo for Sale, Florida Housing Market, Florida Real Estate, Fort Myers News, Home Tips, Homes for Sale SWFL, Open House Tips, Real Estate Advice, Real Estate Market, Real Estate News, Realtor, SWFL Home Tips, SWFL Market News, SWFL Real Estate

Bob Ashworth Open House

7  Things Buyers Can Expect at an Open House

Home Buying Tips SWFLTouring homes can be one of the better parts of the home buying process. For a brief moment you can envision your life in what might be your new home! Still, stepping into someone else’s home, especially during an open house, can be intimidating. Here’s what you can expect:

1. To be asked to sign in.
The agent will ask you to sign in with your contact information so he or she can follow up. Of course you are free to decline.

2. To remove your shoes.
After all, the homeowners has worked hard to make the place sparkle. Tracking dirt onto the carpet or hardwood destroys their effort.

3. (Not) to meet the seller.
Sellers working with an agent usually leave during open houses. This provides you the opportunity to explore free from the distraction of a hovering owner.

4. To scope out the competition.
The number of other people touring the home (and the amount of traffic throughout the day, which you can track on the sign-in sheet if you visit on the late side) can give you a good indication of the level of interest in the property.

5. To wait your turn.
If there are several groups during your visit, wait for them to leave a room before you enter. It’s a great chance to eavesdrop as they may ask the Realtor questions you hadn’t thought of, or comment on features you might not notice yourself.

6. To meet the neighbors.
Chances are, they’ll stop by for a peek. Ask them about the neighborhood. They’re the experts, after all.

7. To hold your tongue.
The Realtor will most likely ask you questions about your home search. Be savvy about what you reveal. Don’t give away any information that could compromise your bargaining power.

Not all homes on the market hold an open house. To expand your touring options, consider working with a buyer’s agent. Talk to Bob Ashworth today about your home buying needs in Southwest Florida. Click here to view original RE/MAX blog post.

Bob Ashworth Remax Realtor SWFL

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

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Business Card 2014

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
Southwest Florida, Gulf access, Waterfront, Lots, Homes & Condos
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

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Not all Real Estate Agents are Created Equal

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral, Cape Coral Home for Sale, Cape Coral News, Cape Coral Real Estate, Cape Coral Real Estate Market, Cape Coral Realtor, Florida Real Estate, Florida Real Estate News, Fort Myers Real Estate, Home for Sale SWFL, Home Tips, Homes for Sale SWFL, North Fort Myers Real Estate, Real Estate Advice, Real Estate Market, Real Estate News, Realtor, SWFL Home Tips, SWFL Real Estate

SWFL Home Buying Tips

Should home buyers call the listing agent when making a home purchase?

The short answer is NO!

Cape Coral Home Buying TipsBeyond that, let me start by stating the obvious, that all real estate professionals are not created equal. While you certainly may end up dealing with an agent who is helpful and honest, he or she has made a commitment to represent the seller’s best interest in the sale of their home.

It’s like going to court and using the other side’s attorney. Think about it, you just wouldn’t do it! Oh sure, a few buyers believe that if they deal directly with the listing agent, that they will be able to get the home for a lower amount because the agent will reduce their commission with not needing to pay a cooperating broker. While this may occur, don’t count on it! Though regardless, there is still no experienced real estate pro protecting your interest.

In all honesty, many buyers don’t have any idea the ways in which a good experienced real estate professional looks out for their interest in a contract negotiation. Most buyers think that the price is about the only thing in play. Wrong! Every real estate transaction is about price and terms, including timelines for inspections, appraisal, loan approvals etc. My experience tells me that all buyers need guidance. Even those who don’t think they do. Sometimes especially those who don’t think they do!

Bob Ashworth photo cardIn addition, effective negotiating takes practice. Most people buy or sell one or two, maybe three homes in a lifetime. A full time real estate professional is writing and negotiating real estate contracts every week. If you have your thumb on the pulse of the market and negotiate dozens to hundreds of deals every year, go ahead and make an offer with the list agent. Otherwise, tap into the experience of a good buyers agent assist you with your real estate purchase. The best agents of course are the ones who list and sell homes as well as work with buyers to make a purchase. For instance, I use my experience with buyers on other listings to counsel my sellers on the current mindset of the buying public, and vice versa.

As an added bonus, in virtually all cases, including shopping for a builder to build your new construction home whether it be on your own lot, a lot you purchase, or a home in a developing community; your agent’s commission will be paid by the seller, or builder as the case may be. What many people fail to realize is that the Multiple Listing Service or MLS, is the greatest networking platform ever devised. All Realtor listings get uploaded into the MLS by the listing agent, with a cooperating commission amount clearly displayed to any and all other Realtor’s in that area. While the listing agent may not yet have a buyer for that new listing, maybe one of the thousands of agents associated with the MLS is already working with a buyer looking for a home just like that.

So the next time you are going to buy a home, commit yourself to working with a good experienced Realtor. If it’s SW Florida where you’re buying, I’ll be happy to help you. My pledge is that I will never try to sell you a home; I’ll help you buy one. The one that is right for you and your budget.

AnythingLessBanner

As a Southwest Florida Real Estate Agent it’s my job to educate my clients and help them get exactly what they want and make sure their best interest are being considered in every detail of the purchase. This blog is all about educating you and empowering you with all the industry news, information, tips and things to consider before buying or selling your home. If you found this article interesting and know someone else that might benefit from it please feel free to share!

SWFL Real Estate

We invite you to like us on facebook, connect with us on Google+, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like us on Facebook   Follow us on Twitter  View our profile on LinkedIn  Visit our blog  Find us on Yelp   Find us on Google+

Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog Find us on Yelp Find us on Google+

Adorable Gulf Access 2/2 Condo with Canal Views in Cape Coral

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral Condo For Sale, Cape Coral Real Estate, Cape Coral Real Estate Market, Cape Coral Realtor, Condo for Sale, Florida Real Estate News, Fort Myers Real Estate, Lee County Homes, Real Estate News, Realtor, SWFL Real Estate

 SE 1ST PL Cape Coral Condo

Today we want to share with you our latest #SWFL listing – an adorable and affordable Gulf Access 2 bedroom condo with canal views in Cape Coral!

SE 1ST PL Cape Coral Condo 1

4730 SE 1ST PL #201, CAPE CORAL, FL 33904

$89,900     Beds: 2,  Baths: 2,  Sq. Ft.: 817      Listing #215071763

SE 1ST PL Cape Coral Condo 3 SE 1ST PL Cape Coral Condo 4
SE 1ST PL Cape Coral Condo 4 SE 1ST PL Cape Coral Condo 5
SE 1ST PL Cape Coral Condo 6 SE 1ST PL Cape Coral Condo 7
SE 1ST PL Cape Coral Condo 8 SE 1ST PL Cape Coral Condo 9
SE 1ST PL Cape Coral Condo 10 SE 1ST PL Cape Coral Condo 10
Welcome to this adorable & affordable gulf access 2/2 condo with canal views. The condo features ceramic tile throughout, stainless appliances and a pass through from the kitchen to the dining area. The great room has a spacious homey feel to it and accesses the lanai via sliding glass doors. Recent re-plumbing and a brand new air conditioner make this unit a must see.
 SE 1ST PL Cape Coral Condo 2

Click here to view more. Click here to take the Virtual Tour.

bob-remax-sign

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like us on FacebookFollow us on TwitterView our profile on LinkedInVisit our blogFind us on YelpFind us on Google+

Business Card 2014

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

Like us on FacebookFollow us on TwitterView our profile on LinkedInVisit our blogFind us on YelpFind us on Google+

5 Tips for Better Home Buying

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral, Cape Coral Real Estate Market, Florida Real Estate, Fort Myers Real Estate, Home Tips, Homes for Sale SWFL, SWFL Real Estate

Home Purchase SWFL

Top 5 strategies to help home buyers make their best deal 

  1. Home Buying Tips SWFLKnow the market! Knowledge is power. 

The way to negotiate your best deal when buying a home begins with knowing the market well enough to understand what the value of the home is. Knowledge is power! When I work with my buyer clients, every home we tour and don’t offer on moves them closer to understanding what’s desirable, what’s not, and where the value is.

  1. Hire an experienced Realtor who is working in your best interest.

Don’t work with a Realtor who is trying to sell you something. Work with one who is helping you buy the home that is right for you and your budget.

  1. Price & TERMS matter.

Once you’ve found the right home for you, it’s time to make an offer.

As a listing agent I see many offers from buyers who were poorly advised by their Realtor or real estate agent.

Let’s face it, the very most important attribute to any offer for both the buyer and seller is the price, though it’s not the only thing! Understanding that there are other valuable components to the offer, can greatly assist the knowledgeable buyer in getting a great deal, even in a hot seller’s market!

  1. Low Offer SWFL housing marketDon’t make a low ball offer.

The seller wants to get the most amount of money for their home as is possible. The buyer wants to pay the least amount of money for the home as is possible. How do I advise my buyers to win this struggle? We structure their initial offer to include terms that the seller will find favorable. In addition, unless you are a hit and run buyer, I advise my buyers to offer a reasonable amount of money for the purchase. Not one that we think the seller will accept, but one that has the seller thinking, “Damn, I don’t want to lose this buyer”. In fact, when advising my buyers who have done a ton of work in seeing dozens of homes before finding the right one for them, I recommend we offer a purchase price high enough where including the favorable terms has the seller actually wanting to execute the contract without delay. Sometimes they will, and you’ll have grabbed a fantastic deal. Most often though the seller will try to squeeze the buyer up just a little, making a fair deal for all.

I see hundreds of offers from buyers and their agent, where even though they wish to buy the home, their offer is weak on all fronts. Their chances of getting a good or great deal are severely diminished as upon first look the seller doesn’t even consider their offer a serious one. We’ve all heard of first impressions, or best foot forward!

SWFL Realtor

Here’s an example of a typical offer I see from other (mostly inexperienced) agents.

  • List price $259,900 (comparable sales show the home’s current market value at between $240,000 & $250,000)
  • Offer price $219,900
  • Earnest money deposit $1,000, due 5 or even 10 days after contract execution.
  • Inspection period, 15 days
  • Closing 7-8 weeks
  • Contingent on financing.

What apparently most buyers and their agents don’t know it that the seller scoffs at the offer deeming them not a serious buyer.

Understand here that the SW Florida, Cape Coral, Fort Myers and Lee County in general is a huge real estate market with thousands of listings and hundreds upon hundreds of closed sales every month. Buyers in this market come from all over the world, with large numbers of buyers being from New York, NJ, New England, the Mid Atlantic as well as Ohio, Michigan, Minnesota and Wisconsin. Buyers are in competition with other buyers! In fact it’s not just the seller who won’t let you steal their home for grossly under market value, it’s the other buyers in the marketplace who will pay more than you for it, and the seller knows it. This is why I advise my buyers to make strong offers. Not high offers, but not weak offers. Unless of course they don’t care if they get the house. Most buyers however feel an emotional connection to the home they offer on. Typically it wasn’t easy to discover, and once they found it they would like to actually own it. Here is where structuring a strong offer makes all the difference.

Same home scenario, but offering using my Top 5 Home Buying Deal Maker strategy

  1. SWFL Homes for SaleDon’t skimp on your GOOD FAITH earnest money deposit.
  • List price $259,900 (comparable sales show the home’s value between $240,000 & $250,000)
  • Offer price $235,000
  • Earnest money deposit $10,000 or $2,000 within 1-2 days and $8,000 after 10 days depending on buyers liquidity
  • Inspection period 7-10 days max
  • Closing 6 weeks if financing, 2-3 weeks if cash.
  • Contingent on financing as the case may be.

Now put yourself in the sellers shoes! You know your home is worth between $240k & $250k. You love everything in the offer, except the price. Though you think wow this buyer really wants to buy my house! Depending on your motivation, you are tempted to sign the contract as is to not let this rock solid buyer get away. If you do propose a counter offer, the only thing you will address is the actual sales price. Though again, you will do so with caution as you don’t want to lose this buyer.

I never asked you to put yourself in the shoes of the seller on the first offer of $219,900 with low money down, but trust me, the seller no longer thinks that they might be selling their home to you after receiving your weak offer. That being said, if you as the buyer really did want this home, you’ve now got your work cut out for you. Hopefully the seller will counter offer! Many will not! If they do it’s certain that they will counter all of your terms and maybe reduce the sale price from their list price by a thousand or two. This is how the seller will begin to know whether or not you really do want the house. But now it’s game on and you’ll need to step up. Once you start to step up, the seller knows they’ve got you. With me as their agent we’re going to drag you up to the upper end of the value range.

SWFL Homes for Sale Cape CoralThe rock solid $235k offer without a doubt will negotiate the better deal.

I don’t work with many hit and run buyers, although I have helped a few. One in particular made several low unattractive offers, one at a time with no counter offers from sellers until he had exhausted every home that he found appealing. He then had to double back and engage in negotiations with the very first home he offered on as it was his favorite. You guessed it! The seller ate him for lunch! He ended up paying top dollar as he was now getting very close to moving with no place for his family to go.

Cash is king! Though using my strategies can help you negotiate a great deal even when your offer is contingent upon financing.

As a Southwest Florida Real Estate Agent it’s my job to educate my clients and help them get exactly what they want and make sure their best interest are being considered in every detail of the purchase. This blog is all about educating you and empowering you with all the industry news, information, tips and things to consider before buying or selling your home. If you found this article interesting and know someone else that might benefit from it please feel free to share!

SWFL Real Estate

We invite you to like us on facebook, connect with us on Google+, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like us on Facebook   Follow us on Twitter  View our profile on LinkedIn  Visit our blog  Find us on Yelp   Find us on Google+

Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog Find us on Yelp Find us on Google+

Historic Low Mortgage Rates!

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral, Cape Coral News, Cape Coral Real Estate, Cape Coral Real Estate Market, Cape Coral Realtor, FL Real Estate Market Update, Florida Housing Market, Florida Mortgage News, Florida Real Estate, Florida Real Estate News, Lee County Homes, Lower Your Interest Rates, Money Saving Tips, Real Estate Investment, Real Estate Market, Real Estate News, SWFL Home Sales, SWFL Real Estate

SWFL Real Estate News 1

Mortgage interest rates are back down to historic lows!

Are you thinking about buying a new home in Southwest Florida? If so I have some really good new for you! With these new all time low interest rates you can buy more house for your money!

Lower Interest RatesAs you may or may not know, the 30 year fixed rate home mortgage is based upon the US Treasury’s 10 year bond yield. Last week, the week of January 12, 2015 saw the 10 year treasury dip down under 2% to 1.816% as of the writing of this article.

So you might be wondering, how does this benefit home buyers, sellers? The drop in the 10 year treasury, will virtually immediately signal a drop in 30 year mortgage rates that are already at 4% or less for a well qualified buyer.

We will likely see 30 year mortgage rates down to 3.75% to 3.875% therefore increasing a home buyers borrowing power by reducing the monthly payment required to support the loan. In turn this low rate also helps home sellers as it eases the stress of buyers just a bit while also increasing how much home they can afford to buy.

Nobody knows for sure how long rates will stay at these historic lows, but now is a great time to buy a home as the affordability has never been greater. If you’re not sure how much home you can afford, contact me for assistance.

I’m always happy to answer any questions and educate my clients on what options will benefit them most.  Please feel free to share this blog post with anyone you feel might be interested or find value in this information.

Bob Ashworth Remax Realtor SWFL

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

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Business Card 2014

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog Find us on Yelp Find us on Google+

It’s a good time to buy a Florida Home!

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Cape Coral, Cape Coral News, Cape Coral Real Estate, Cape Coral Real Estate Market, Cape Coral Realtor, Florida Housing Market, Florida Real Estate, Florida Real Estate News, Lee County Homes, Real Estate Market, Real Estate News, SWFL Homes for Sale, SWFL Market News, SWFL Real Estate

Florida Homes for Sale

Canadian snowbirds encouraged to buy a Fla. home

MONTREAL, Canada 2014 – As Canadian snowbirds prepare to head south, the Annual Snowbird outlook from BMO Bank of Montreal is telling Canadians that “U.S. housing affordability remains healthy, and prices are expected to increase in Florida, Arizona and other popular areas.”

The bank offers only two warnings to Canadians considering a southern move: The border crossing rules are more strict, and a strengthening U.S. dollar could make purchases in Florida and elsewhere more expensive.

“Overall, U.S. house prices have soared 20 percent in the past two years, but are only about half way back to their peak in 2006,” and “Traditional destinations for Canadian Snowbirds remain affordable,” the bank says. “Compared to their peaks, prices in Tampa are down 34 percent, Phoenix down 30 percent, Las Vegas off 43 percent, and Miami down a whopping 52 percent.”

“Now, with the American economy and employment gaining strength, home sales should gather some momentum,” advises Sal Guatieri, senior economist, BMO Capital Markets. “We expect prices to rise over time alongside growing family incomes.”

Guatieri also says BMO expects “capital gains appreciation for Canadians who purchase U.S. property.”

Florida a hotspot

Florida continues to be a hotspot with Canadians representing the largest foreign buyers of Florida housing, BMO says. More than 500,000 Canadians currently own real estate in Florida.

“Florida properties are a bargain compared to real estate in Canada. The median priced home in Florida is nearly half that in Canada,” says Jack Ablin, chief investment officer, BMO Harris Private Bank. “Popular areas include Sarasota-Bradenton-Venice, Orlando-Kissimmee, Miami-Ft. Lauderdale-Palm Beach, Cape Coral-Ft. Myers, Tampa-St. Petersburg and Naples-Marco Island.

“We project retirement state housing prices to outpace the national average, due to increasing numbers of retirees, and abundance of capital from abroad and lower interest rates. Foreign buyers are interested in U.S. real estate because it’s relatively cheap when gauged against incomes, and it’s situated in a stable/safe haven economy,” added Mr. Ablin.

Click here to view original article.

Bob Ashworth

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

 Like us on Facebook   Follow us on Twitter  View our profile on LinkedIn  Visit our blog  Find us on Yelp   Find us on Google+

Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com

Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog Find us on Yelp Find us on Google+

Shortening the Life Span of your Mortgage!

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral Real Estate, Cape Coral Real Estate Market, Cape Coral Realtor, Early Mortgage Pay Off, Florida Mortgage News, Money Saving Tips, Mortgage Advice, Mortgage Changes, Mortgage News, Mortgage Tips, Real Estate Advice, Real Estate News, SWFL Home Tips, SWFL Mortgage Tips, SWFL Real Estate, Uncategorized

Holding house keys on house shaped keychain in front of a new home

How to pay off your 30 year mortgage in 15 years.

Paying off your mortgage in half the time is easier than you think. Actually, it’s really quite simple, although this advice is rarely ever given to the public. Every one of my clients who closes on a home with me on a 30 year mortgage loan receives this guidance from me and today I want to share it with you.

Early Mortgage Pay OffSurely the main reason that most home buyers select a 30 year loan over a 15 year term is not because they prefer to pay the mortgage twice as long. They make this choice because of its affordability since a 30 year loan has a much lower monthly payment than a 15 year one. The other reason to choose a 30 year over a 15 year is more flexibility. If you’re committed to a 15 year term with your home loan lender when some unforeseen event occurs where all of a sudden your income drops will mostly likely be stuck making the higher payments. This also means you will be unable to refinance into a 30 year which would lower your payments. However, If you were committed to a 30 year mortgage and make additional principle payments on your own, you can immediately halt the additional principle you’ve been sending to conserve cash.

Let’s take a look at the two different options using a $200,000 mortgage loan as the example. For simplicity sake I’ll leave out real estate taxes and insurance and instead just focus on the principle and interest associated with the two different loans. I’ll also use a typical interest rate in today’s market (summer 2014) for an owner occupant home loan.

Mortgage Pay Off Calculator SWFLA $200,000 loan with a 30 year payback at 4.125% would be $969 per month

A $200,000 loan with a 15 year payback at 3.375% would be $1,418 per month

The simple formula is just this. Every month when you review your mortgage loan statement from your lender, find the amount of the payment that is slated to go towards your principle. Hint: it’s usually the smallest amount of all!

The first monthly payment on your $200,000, 30 year loan at 4.125% will be $969 plus or minus a few cents, and not including taxes and insurance. Of that $969, only $282 will go towards your principle balance. Now while your payment will remain the same for the life of the loan, the amount that goes towards principle and interest will change as your principle balance is reduced.

Add $282 to your payment. You’ve just made 2 months of payments. Do this same thing every month, and your 30 year or 360 month mortgage just became 15 years, or 180 months.

Cutting home loanFurther examples:

Next payment the very following month –

Now because you made 2 principle payments, one that was required, and one that was your extra, your new principle balance is now $199,436. Your required payment is still $969 but the amount that will now go towards the principle is $283. Only $1.00 more, but at this pace you’ll pay off your 30 year mortgage in 15 years.

Yes, of course as time goes on the additional principle does become more of a burden. Although it will get better down the road. And at that point you’ll have made quite a dent in not only your principle balance, but in the years required to be mortgage free.

Final example:

5 years or 60 payments made, each including an extra month of principle. Your principle balance will be approximately $160,000 as opposed to $180,000 had you not been making the extra payments. When your principle balance is around $160,000, the required payment is still $969, though $415 +/- is what is going towards principle now. If you’re still committed to a 15 year payoff, your extra principle payment is more than it was in the beginning, but remember; all these principle payments are equity in your home.

Even if you are not able to continue to increase the amount of your extra payment, you’ve dramatically reduced your balance and, your loan will pay off years ahead of schedule saving you thousands of dollars in interest.

bob-remax-sign

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like me on Facebook    Follow me on Twitter    View my profile on LinkedIn    Visit my blog

Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog  Find us on Yelp
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2014 – The Year to Buy!

Posted in Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home in SWFL, Buying a Home SWFL, Buying Questions, Buying Tips, Cape Coral, Cape Coral Real Estate, Cape Coral Real Estate Market, FL Real Estate Market Update, Florida Housing Market, Florida Real Estate, Florida Real Estate News, Fort Myers Real Estate, Home Tips, Housing Market Update, Lee County Homes, Real Estate Advice, Real Estate Investment, Real Estate Market, Real Estate News, SWFL Homes for Sale, SWFL Housing Update, SWFL Market News, SWFL Real Estate

Home Buying Tips

As a Southwest Florida Real Estate Agent it’s my job to educate my clients and help them get exactly what they want and make sure their best interest are being considered in every detail of the purchase. This blog is all about educating you and empowering you with all the industry news, information, tips and things to consider before buying or selling your home. Today I would like to share this article on why 2014 is the year for you to purchase a home in Southwest Florida if you haven’t already!

Why 2014 is a good year to buy a home

If you didn’t buy a home in 2013, you may be kicking yourself now. Home prices climbed nationally an average of 13.6 percent in the past 12 months, according to Tuesday’s release of the Standard & Poor’s/Case-Shiller 20-city home price index.

Don’t make the same mistake in 2014, suggests Benjamin Weinstock, real estate attorney and partner at the firm Ruskin Moscou Faltischek in Uniondale, N.Y.

Market forecasters predict that 2014 will be another year of gains for the real estate market, even though the rapid pace of sales in 2013 cooled off a bit at the end of the year. On Dec. 30, The National Association of Realtors said its pending home sales index, based on contracts signed last month, rose 0.2 percent in November, below the 1 percent rise forecast.

Home prices are expected to rise about 5 percent next year, says Weinstock. Higher mortgage rates will dampen the pace of both sales and price gains, but not bring them to a halt. The average rate on a 30-year fixed mortgage is expected to rise from 4.5 percent to 5 percent in the next year.

Even aside from expected price gains, buying a home is almost always a good investment in the long run, says Weinstock. Tax benefits are not to be overlooked.

“When one rents, at the end of the year he or she has a pile of 12 cancelled rent checks,” Weinstock says. “However, the homeowner has a pile of 12 cancelled mortgage checks that are nearly fully tax-deductible in most cases.”

Editor’s note: If you’re shopping, you may want to keep your eye out for the latest design trends in homes for 2014 while you’re at it. Click here to view original article.

Bob Ashworth

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Like me on Facebook    Follow me on Twitter    View my profile on LinkedIn    Visit my blog

Bob Ashworth Remax Realty Team

Bob Ashworth
Realtor, CBR, CDPE
Your Real Estate Solutions Provider
239-425-2503
2326 Del Prado Blvd. S.
Cape Coral, FL 33990
Bob.Ashworth@gmail.com
www.BobAshworth.com
Like us on Facebook Follow us on Twitter View our profile on LinkedIn Visit our blog  Find us on Yelp