Tag: Orange Beach

Having a Pointe South Buyers Agent by your side when purchasing a property is a crucial step in protecting your interests as a buyer. A Buyer’s Agent is a licensed real estate professional who works exclusively on behalf of the buyer, advocating for their needs and ensuring a smooth and successful transaction. One of the key benefits of having a Pointe South Buyer’s Agent is their expertise and knowledge of the local real estate market. They possess a deep understanding of current market conditions, comparable sales, and neighborhood trends, which empowers them to provide valuable insights and guidance throughout the buying process.

Additionally, a Buyers Agent serves as a skilled negotiator, working to secure the best possible terms and price for the buyer. They have the expertise to identify potential issues or red flags in a property and can help buyers make informed decisions. Furthermore, a Buyer’s Agent acts as a buffer between the buyer and the seller, handling all communication and ensuring that the buyer’s interests are protected at all times.

With the help of a buyers agent from Pointe South, you can be confident that your interests are protected throughout the homebuying journey.

1. Giving you a complete analysis of the property, as well as pointing out flaws and future “big ticket” repair items that may need attention, and other concerns: water stains, cracks, old windows, foundation or settling issues, and old mechanicals.
2. Thoroughly researching the neighborhood in order to determine value, and suggest a good starting point (while recommending an upper limit) for an offer.
3. Negotiating on your behalf. In our current market, your Pointe South agent should be aggressive and help you submit a competitive offer to win a multiple-offer situation while helping to ensure that you don’t get into something you may regret later.
4. A real estate agent not only helps you choose the right inspector but also helps you review the home inspection report and negotiate repairs with the seller. Home inspections are a critical part of the buying process.
5. Large local network. Your Pointe South agent refers you to other trusted professionals, along with a title company or closing attorney, a reputable mortgage lender, and anyone else you may need, even if it’s after you move in!

How often does a buyer go through the homebuying process? Maybe 2-3 times in a lifetime. How many times does a good agent go through the process? 20-40+ times a year! It’s crucial to have a trusted agent on your side advocating for you, representing your best interests 100% of the time, and guiding you throughout the process. Ultimately, having a Buyer’s Agent provides peace of mind, knowing that you have a dedicated professional advocating for your best interests and safeguarding your investment as a buyer.

At Pointe South Rentals and Real Estate, our mission is to be the ultimate resource for all your real estate needs. Whether you’re looking to buy, sell, or rent a property in the beautiful Pensacola area, we are dedicated to providing exceptional service and helping you navigate the real estate market with ease. With our team of experienced professionals, extensive knowledge of the local market, and a commitment to client satisfaction, we strive to exceed your expectations. We understand that buying or renting a property is a significant decision, and we are here to guide you every step of the way, offering personalized attention and expert advice.

Trust Pointe South Rentals and Real Estate to be your trusted partner in achieving your real estate goals.

If you happen to be driving by on your way to something fun, don’t forget to stop by our Pointe South office for a list of available properties or to just say “hello!” We are always here to help! Call or email us today to begin your search!

Call us at 850.492.1148 or email us at [email protected]

Closing day is a crucial step in the home buying process, and understanding real estate closing costs is essential for buyers to be fully prepared. This blog provides a summary of real estate closing costs for buyers and highlights the value of leaning on Pointe South Real Estate and their team of experienced agents for guidance and support.

Real estate closing costs encompass various fees and expenses that buyers incur when finalizing a home purchase. These costs include loan origination fees, appraisal fees, title insurance, attorney fees, and more. With Pointe South Real Estate by their side, buyers can rely on their team of knowledgeable agents who can help them navigate these costs and provide valuable insights. Budgeting for closing costs is a crucial aspect of being prepared on closing day, and Pointe South Real Estate agents can assist buyers in this area as well. With their extensive experience, the agents can provide buyers with a realistic estimate of the closing costs they should anticipate, helping them set aside the necessary funds.

Buyers can rely on their agent to keep them informed about the exact amount due on closing day and the acceptable forms of payment, ensuring a seamless transaction.

Key Point: Make sure you get an estimate of closing costs before hand. Closing costs are out of pocket and are not rolled into your mortgage. Closing costs are separate from the down payment and the amount will be in the thousands. You want to know you have the funds to cover everything.

Here’s a review of many of the common fees.

Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan application, underwriting and funding the loan, and other administrative services.

Points: Points are a percentage of a loan amount. For example, when a loan officer talks about one point on a $100,000 loan, this is 1 percent of the loan, which equals $1,000. Lenders offer different interest rates on loans with different points. You can make three main choices about points. You can decide you don’t want to pay or receive points at all. This is a zero-point loan. You can pay points at closing to receive a lower interest rate. Alternatively, you can choose to have points paid to you (also called lender credits) and use them to cover some of your closing costs.

Underwriting: Paid to the lender, this fee covers the cost of researching whether or not to approve you for the loan.

Appraisal: This charge pays for an appraisal report made by an appraiser.

Credit report: This fee covers the cost of a credit report, which shows your credit history. The lender uses the information in a credit report to help decide whether or not to approve your loan and how much money to lend you.

Flood determination: This is paid to a third party to determine if the property is located in a flood zone. If the property is found to be located within a flood zone, you will need to buy flood insurance. The insurance is paid separately.

Home inspection: Fee to verify the condition of a property and to check for home repairs that may be needed before closing.

Pest inspection: This fee is to cover inspections for termites or other pest infestation of your home.

Survey: The lender may require that a surveyor conduct a property survey. This is a protection to the buyer as well. Usually the buyer pays the surveyor’s fee, but sometimes this may be paid by the seller.

Title insurance binder: Commitment to issue a title insurance policy at future date.

Lender’s title insurance: The cost of the lender’s policy, which protects the lender’s investment.

Owner’s title insurance: The cost of the owner’s policy, which protects the homeowner’s investment for as long as they, or their heirs, own the property.

Settlement: This fee is paid to the settlement agent or escrow holder. Responsibility for payment of this fee can be negotiated between the seller and the buyer.

Title search: The fee to search the public records of the property you are purchasing.

Document Preparation: This fee covers the cost of preparation of final legal papers, such as a mortgage, deed of trust, note or deed.

Notary: This fee is charged for the cost of having a person who is licensed as a notary public swear to the fact that the persons named in the documents did, in fact, sign them.

Attorney fees: Both the homebuyer and the seller might have their own legal representation to prepare and record legal documents. Frequently, however, where an attorney is acting as a settlement agent, there may only be one involved in the closing. Who pays for those services is a matter of contract negotiation.

Recording fees: These fees may be paid by you or by the seller, depending upon your agreement of sale with the seller. The buyer usually pays the fees for legally recording the new deed and mortgage.

Transfer tax: This tax is collected in some localities whenever property changes hands or a mortgage loan is made, can be quite large and are set by state and/or local governments. City, county and/or state tax stamps may have to be purchased as well.

Homeowner’s insurance premium: This insurance protects you and the lender against loss due to fire, windstorm, and natural hazards. Lenders often require the borrower to bring to the settlement a paid-up first year’s policy or to pay for the first year’s premium at settlement.

Mortgage insurance premium: The lender may require you to pay your first year’s mortgage insurance premium or a lump sum premium that covers the life of the loan, in advance, at the settlement.

Prepaid interest: This is money you pay at closing in order to get the interest paid up through the first of the month.

Property taxes: Usually six months of county property taxes.

Home warranty: Fee for an insurance policy to protect you from cost of unexpected failures to the major systems and appliances in your home. Are home warranties worth it? Here is an article to help you decide.

Real estate commission: This is the total dollar amount of the real estate broker’s sales commission, which is usually paid by the seller. This commission is typically a percentage of the selling price of the home.

Buyers working with Pointe South Real Estate can lean on their team of experienced agents to review the loan estimate provided by the lender. The agents can explain the estimated closing costs in detail, answer any questions, and ensure buyers have a clear understanding of the financial obligations involved. The expertise of the agents helps buyers avoid surprises and make informed decisions.

Throughout the process, Pointe South Real Estate’s team of agents is there to lend their expertise and support. They can assist buyers in gathering and organizing all necessary documents, ensuring a smooth closing day experience. Buyers can trust their Pointe South Real Estate agent to proactively provide requested information, streamline the closing process, and minimize any potential delays.

In summary, understanding real estate closing costs is essential for buyers, and Pointe South Real Estate’s team of agents is there to provide guidance and support. With their assistance, buyers can navigate the closing process with confidence, knowing they have a trusted advocate by their side. By reviewing the loan estimate, conducting due diligence, budgeting effectively, and leaning on their Pointe South Real Estate agent, buyers can ensure a seamless closing day and a successful transition into their new home.

Call or email us today to begin your home search!

Call us at 850.492.1148 or email us at [email protected]

People love the lucky penny for a variety of reasons. Firstly, these small coins carry a sense of nostalgia and tradition. Many individuals grew up hearing stories or beliefs surrounding the luck that a penny can bring, passed down from generation to generation. Additionally, finding a penny, especially in unexpected or serendipitous moments, gives a sense of excitement and hope. It serves as a reminder that even the smallest things in life can hold significance and bring about positive outcomes.

Moreover, the idea of a lucky penny provides a comforting and tangible symbol of good fortune, offering a sense of reassurance during challenging times. Whether it’s carried in a pocket, placed in a jar, or simply cherished for its symbolism, the love for lucky pennies stems from the human desire to embrace optimism and believe in the power of a little luck.

Today, in honor of National Lucky Penny Day, we embark on a whimsical journey through time to explore the mysterious origins of the “lucky penny.” Join us as we uncover the hilarious and fortuitous tales behind this beloved token of good luck.

1. Ancient Beginnings: The Goose That Laid Copper Eggs
   Our story begins in ancient Rome, where an eccentric Emperor, Hilarious Maximus, declared that anyone who found a copper coin resembling an egg would be blessed with everlasting good fortune. Legend has it that a goose, trained by the Emperor’s court jester, Punny McPenny, was taught to lay these copper eggs. While the goose’s antics amused the masses, it also sparked the belief in the power of the “lucky penny.”
2. Medieval Mischief: The Mischievous Minters
   During the Middle Ages, a group of mischievous minters took advantage of the superstitions surrounding the penny. They discovered that by secretly adding a pinch of powdered unicorn horn to the molten copper, they could create pennies with a hidden charm. These “enchanted” coins were believed to bring incredible luck to their possessors. Though the minters were eventually caught and their scheme exposed, the notion of the lucky penny persisted.
3. Shakespearean Shenanigans: A Playful Prophecy
   Enter the witty world of William Shakespeare, where even pennies played a role. In “The Merchant of Venice,” the character Launcelot Gobbo famously flips a penny to determine his fate. The comical scene resonated with audiences, and soon, people began attributing the penny with divination powers. It became customary for folks to flip a penny when faced with a difficult decision, trusting in its whimsical guidance.
4. Revolutionary Revelations: Coincidental Connections
   Fast forward to the American Revolution, where a peculiar coincidence further cemented the penny’s lucky status. During the Siege of Yorktown, General Washington’s troops discovered a mysterious penny buried near their camp. In a twist of fate, this penny bore the date 1776, the year of America’s independence declaration. Considered a sign from above, the penny was cherished as a symbol of victory and good fortune, sparking a trend of carrying pennies for luck.
5. Modern Marvels: Lincoln’s Lucky Legacy
   Finally, we arrive in the 20th century, where Abraham Lincoln enters the stage. In 1909, to commemorate the centennial of Lincoln’s birth, the U.S. Mint released the first Lincoln penny. This iconic coin quickly became associated with luck, and people started referring to it as the “lucky penny.” From that moment on, the penny embedded itself into popular culture, inspiring countless traditions and serving as a charming symbol of good fortune. Here is a great kids book that covers this topic!

And there you have it, dear readers—a hilarious and fortuitous journey through the whimsical history of the lucky penny! From Rome’s copper egg-laying goose to Shakespearean divination and Revolutionary revelations, this humble coin has woven its way into our lives with its comedic tales and serendipitous associations. So, on this National Lucky Penny Day, embrace the magic and humor of the “lucky penny” tradition. May you stumble upon many pennies and countless moments of unexpected fortune!

Speaking of fortune, you don’t need a lucky penny to work with our Pointe South Rentals & Real Estate team! We’re lucky to work with you, and will bring you good fortune with your real estate investments and real estate transactions. We love being your resource for all things real estate along the Gulf Coast and to help you find or sell your one-of-a-kind lucky penny home!

Remember, even if you don’t find a penny, the true treasure lies in the joy and laughter this tradition brings. Happy National Lucky Penny Day!

Call or email us today to begin your search!

Call us at 850.492.1148 or email us at [email protected]

LuckyPennyDay #HistoryofPennies #FortunateFinds #PointeSouth #PointeSouthDifference

If you’re looking for a peaceful addition to your outdoor space, a koi pond might be the perfect choice for you. Not only are they beautiful and serene, but they can also add value to your property and provide a habitat for fish and other aquatic creatures. In this article, we’ll explore some of the benefits of a koi pond and provide you with some tips on how to install one in your own backyard.

Benefits of a Koi Pond

1. Aesthetically Pleasing – A koi pond is an attractive addition to any backyard, with its tranquil water, lush foliage, and beautiful fish. It can serve as a focal point of your landscaping, adding a sense of calm and serenity to your outdoor space.
2. Improved Air Quality – Water features such as koi ponds can improve the air quality in your yard by releasing oxygen and absorbing carbon dioxide. This can create a healthier environment for you and your family to enjoy.
3. Natural Mosquito Control – Koi fish are known to eat mosquito larvae, which can help to reduce the number of mosquitoes in your backyard. This can be especially helpful during the summer months when mosquitoes are at their peak.
4. Educational Opportunity – A koi pond can provide an opportunity to teach your children about aquatic ecosystems and the importance of caring for living creatures. It can be a fun and educational experience for the whole family.

Here is a link that might be a little inspiration to help you get started.

How to Install a Koi Pond

1. Determine the Size and Location – The first step in installing a koi pond is to determine the size and location of your pond. You’ll want to choose a spot that receives at least 4-6 hours of sunlight per day and is relatively level. The size of your pond will depend on how many fish you plan to keep, but a good rule of thumb is to have at least 250 gallons of water for every koi fish.
2. Excavate the Area – Once you’ve chosen the location for your koi pond, you’ll need to excavate the area. This can be done by digging a hole in the ground or using a pre-formed pond liner. Be sure to make the pond at least 3 feet deep to provide adequate space for your fish to swim and hide.
3. Install the Pond Liner – If you’re using a pre-formed pond liner, you’ll need to install it in the excavated area and make sure it’s level. If you’re using a flexible liner, you’ll need to carefully lay it in the excavated area and smooth out any wrinkles or folds. Be sure to leave some excess liner around the edges of the pond to allow for settling and adjustments.
4. Add Filtration and Circulation – In order to keep your koi pond healthy, you’ll need to add a filtration system and a circulation pump. The filtration system will help to remove debris and harmful toxins from the water, while the circulation pump will keep the water moving and oxygenated. Be sure to choose a filtration system that’s appropriate for the size of your pond and the number of fish you plan to keep.
5. Add Rocks and Plants – Once your filtration and circulation systems are in place, you can add rocks and plants to your pond. This will help to create a natural environment for your fish and provide hiding places for them. Be sure to choose plants that are appropriate for your climate and the depth of your pond.
6. Introduce Your Fish – After your pond is set up and the water has had a chance to stabilize, you can introduce your koi fish. Be sure to acclimate them slowly to the new environment by floating their bag in the water for several hours before releasing them into the pond. Monitor your fish closely for the first few weeks to make sure they’re adjusting well to their new home.

In conclusion, a koi pond can be a beautiful and beneficial addition to any backyard. Not only does it add a sense of peace and tranquility, but it can also improve air quality, provide natural mosquito control, and serve as an educational opportunity for the whole family. If you’re interested in installing a koi pond, be sure to carefully plan the size and location, excavate the area, install a filtration and circulation system, and add rocks and plants before introducing your fish. With a little bit of effort and patience, you can create a stunning and peaceful oasis in your own backyard.

Additionally, a well-designed and maintained koi pond can be a valuable addition to your home, adding equity and increasing its resale value. A koi pond can create a unique and eye-catching feature that can set your home apart from others on the market. Potential buyers may appreciate the added tranquility and aesthetic appeal of a koi pond, which can be a major selling point. Additionally, a koi pond can demonstrate the care and attention to detail that you’ve put into your property, which can make it more attractive to potential buyers. Overall, a koi pond can be a smart investment in your home’s value and appeal.

Don’t forget to lean on your Pointe South agent to help guide you through the process if you have questions.

Call or email us today to begin your search!

Call us at 850.492.1148 or email us at [email protected]

Renovations don’t always have to be an expensive and time-consuming process. With a budget of $1,000 or less, you can make some simple changes that can have a significant impact on the look and feel of your home. Renovating and updating your home on a budget is important for several reasons. Not only can it increase the value of your property and improve its overall aesthetic appeal, but it can also enhance its functionality and energy efficiency. Small updates can often make a big difference and can even boost your mood and productivity.

Additionally, updating your home on a budget can help you avoid overspending and keep your finances in check. By prioritizing your needs and making strategic updates, you can transform your space without breaking the bank.

In this blog, we will discuss some of our favorite renovations that fall under this budget and have the best return on investment.

1. Paint the Walls

One of the most cost-effective ways to update the look of your home is by painting the walls. A fresh coat of paint can make a room look brighter, cleaner, and more inviting. With a budget of $1,000, you can easily paint one or two rooms in your home, depending on the size of the room and the type of paint you choose.

2. Update the Lighting

Lighting can make a huge difference in the ambiance of a room. You can replace outdated light fixtures with more modern ones or add new ones to brighten up a room. You can also add dimmer switches to your existing fixtures to create a more cozy and relaxing atmosphere. With a budget of $1,000, you can easily upgrade the lighting in one or two rooms in your home. Need a little inspiration to get you started? Here are some great Amazon finds!

3. Replace Hardware and Fixtures

Another affordable way to update the look of your home is by replacing old hardware and fixtures. You can replace outdated cabinet knobs and drawer pulls with more modern ones, replace old faucets and showerheads with new ones, and update the doorknobs and hinges throughout your home. With a budget of $1,000, you can easily update the hardware and fixtures in several rooms in your home.

4. Refinish Kitchen Cabinets

If your kitchen cabinets are in good shape but look outdated, you can refinish them for a fraction of the cost of replacing them. You can sand and paint them yourself or hire a professional to do it for you. Refinishing your kitchen cabinets can make your kitchen look brand new and can increase the value of your home. Need a little help with the artistic creativity of color selection? Good Housekeeping has a great article to help you out.

5. Add Curb Appeal

The exterior of your home is the first thing people see when they visit, so adding curb appeal can have a significant impact on the value of your home. You can add new landscaping, paint the front door, or add new house numbers and a mailbox. With a budget of $1,000, you can easily make several small changes that will improve the look of your home’s exterior.

In conclusion, renovating your home doesn’t have to be a costly or time-consuming process. With a budget of $1,000 or less, you can make simple changes that can have a significant impact on the look and feel of your home. By painting the walls, updating the lighting, replacing hardware and fixtures, refinishing kitchen cabinets, and adding curb appeal, you can give your home a fresh new look without breaking the bank. Don’t forget to lean on your Pointe South agent to help guide you through the process if you have questions or need guidance.

Call or email us today to begin your search!

Call us at 850.492.1148 or email us at [email protected]

Gardening for Condos and Small Patios

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