Leugers Group - Brokered by eXp Realty


Our Purpose:

"To raise the bar in our society by rendering life-changing high value service that saves the people we serve time, money and frustration."


Thursday, November 29, 2018

The Many Benefits of Using a VA Loan



Veterans can take advantage of the VA loan, which includes 100% financing and no mortgage insurance.

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One of the benefits our veterans receive is the opportunity to take out a VA loan for a home purchase. I’m here with Whitney Hall of Acopia Home Loans to talk about this type of loan and how it benefits veterans out there who want to buy or sell a home.

The biggest benefit with a VA loan is that it’s 100% financing, meaning no down payment or mortgage insurance is needed. The loans typically have a better interest rate than conventional loans, as well.

Veterans also receive some leniency on any credit issues they may have. If a veteran has had a foreclosure or a bankruptcy, they’d need to wait two years to be eligible for a VA loan; it’s a very forgiving program. These loans aren’t difficult for veterans and their real estate agents to obtain or use, so it’s unlikely that buying a home would become a complicated process because of using one. Whitney’s average closing time is around 19 days using VA loans.

Acopia Home Loans waives fees for veterans and provides them 25% toward closing costs, which can add up to thousands saved. Many mortgage lenders offer some sort of incentive to veterans looking to buy a home. 


These loans aren’t difficult for veterans and their real estate agents to obtain or use.


As VA loans don’t require home insurance, veterans are often able to qualify for more when buying a home.

There is a myth that veterans pay more fees in closing costs, but it simply isn’t true; the contract is negotiated in the same way as any other loan. Another myth is that veterans can only have one VA loan at a time, but there are ways to get up to two loans (as long as the veteran is eligible).

If you have any questions about VA loans or would like to learn more, give Whitney a call at 239-471-9829.

We’ve created the “Homes for Heroes” program, which helps minimize closing cost fees for first responders, veterans, medical staff, and similar occupations. If you’d like to learn more, are looking to buy or sell a home, or have any questions, feel free to call me at 239-791-7514. I look forward to hearing from you.

Friday, November 9, 2018

How Home Inspections Have a Huge Impact on Insurance Rates

Expert home inspector Bob Cantu joins us once again today to discuss a few more points regarding the home inspection process.
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Selling a Southwest Florida Home? Click here for a Home Value Report


If you’ve ever had any questions about the home inspection process, today is your lucky day.

Because so many viewers ask us to explain how home inspections work here in sunny Southwest Florida, we decided it was time to address the subject with the help of expert inspector Bob Cantu.

In Bob’s words, a home inspection is a “general overview of the home’s condition.” Inspectors will examine a property’s roof, plumbing, electrical systems, air conditioning, and more. Home inspections are meant to uncover any structural, mechanical, or safety issues a property may have.

In our area, insurance inspections, like wind mitigation inspections, are also a major part of this process. If a home passes a wind mitigation inspection, it’s owner can be credited for a discounted insurance rate. Homes with features designed to help them withstand high winds are far more likely to do well in such an inspection. For instance, insurance companies will only offer credits on properties with three nails in their hurricane strap. Updating a home’s roof or adding hurricane shutters to doors and windows can also help.


The work of inspectors like Bob is so critical to the real estate process.


 
Moving on, we also wanted to ask Bob about some of the deal breakers that tend to be uncovered in an inspection. According to him, bad roofs, faulty electrical panels, and poor plumbing are three of the most common issues that cause buyers to back away from a deal after the inspection.

That isn’t to say that these issues will always lead to the collapse of a sale, though. Buyers and sellers may certainly negotiate repairs based on the findings within the inspection report. Home inspections exist to make sure that a property’s issues, especially ones not immediately visible to the naked eye, do not remain undetected and unresolved. Sometimes, identifying these issues requires inspectors to use specialized tools like an infrared camera—which can be used to find leaks.

And when issues like leaks go unnoticed, they can evolve into an even worse, even costlier problem down the line. This is why the work of inspectors like Bob is so critical to the real estate process.

If you’d like to reach Bob, you can give him a call at (239) 340-6700 or email him at bob@ahandyhi.com.

And, as always, if you have any other questions or would like more information, feel free to reach out to our team. We look forward to hearing from you soon.

Thursday, October 18, 2018

How Infrared Technology Is Used in Home Inspections


How does infrared technology improve the home inspection process? Listen to this expert’s explanation to find out.

Buying a Southwest Florida Home? Search all Homes for Sale 
Selling a Southwest Florida Home? Click here for a Home Value Report


Did you know that infrared technology can be a useful tool during the home inspection process? It’s true, and we recently had a great conversation with Bob Cantu from A Handy Home Inspector to learn more about how this is the case.

Infrared technology makes it easier for home inspectors to identify hidden issues in a home, like leaks or displaced insulation.
Without infrared technology, such problems could easily be missed.

Inspections on new construction homes, in particular, can benefit from this technology. A property’s problems may not always be perceptible to the naked eye. If left unchecked, many of these deficiencies could eventually evolve into major structural or safety concerns. 


Without infrared technology, certain issues can easily be missed.


The use of infrared technology helps ensure that this doesn’t happen, which is why Bob and his team offer this additional screening for no additional cost when you book an appointment with them. Better still, the next three buyers to book a home inspection with A Handy Home Inspector and mention “What’s Happening in Southwest Florida” will receive a free drink tumbler with the Handy Home Inspector logo on it.

So if you’d like to book an inspection with A Handy Home Inspector, simply visit their website: https://ahandyhi.com/.

As always, if you have any other questions or would like more information, feel free to give us a call or send us an email. We look forward to hearing from you soon.