Comment obtenir un pret bancaire aux Etat-Unis pour acheter une maison en Floride?

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Bonjour à toutes et à tous,

Si vous n’êtes pas déja au courant, je suis un des (très) rare agent francophone sur la région de Cape Coral. Plus ou moins 50% de ma clientèle parle francais et la moitié d’entre eux proviennent de France.
Habituellement, mes clients Francais achètent des propriétés à Cape Coral en liquide. Ils font un simple transfer bancaire et l’achat se fait assez rapidement. En effet, lorsque l’achat se fait au comptant, la paperasse est rapide et facile.

Le but de cet article est que précisement, la semaine dernière, j’ai eu le plaisir de rencontrer un couple venant de France et désireux d’acheter une maison sur Cape Coral, ici en Floride. Bien qu’ils aient les liquidités pour l’achat, ils aimeraient emprunter la route du financement. Tres naturellement, j’ai offert mes services pour les aider à trouver le meilleur crédit hypothécaire disponible sur le marché. Ma surprise n’en fût que plus grande lorsque j’ai appris que des nouvelles règles de crédit voyait difficile pour un Francais d’emprunter de l’argent pour financer l’achat d’un immeuble à Cape Coral en particulier et aux Etat-Unis en général. Maintenant, seuls les Canadiens, les Britaniques et les Australiens ont moins de problèmes a obtenir un Crédit américains.

J’ai trouvé un courtier en prêt hypothécaire qui travaille sur des dossiers associés aux étrangers désirant acheter une seconde résidence en Floride, et notament les Francais. Voici le lien (cliquez ici) qui vous permettra de télécharger un document PDF avec les options nécessaires pour l’obtention d’un prêt hypothécaire en Floride.
Ce document vous aidera à comprendre les papiers que vous aurez besoin d’apporter de France pour pouvoir faire une offre d’achat. Bien sur, je suis la pour vous aider avec la traduction si nécessaire.

Une fois que vos papiers sont prêts, envoyez-moi un email avec votre date d’arrivée et je serais heureux de vous trouver la maison de vacances de vos rêves. Bien sur, vous pouvez toujours obtenir un prêt hypothécaire en France si vous avez plus facile.

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Comments (0) Dec 26 2011

Want to buy a Cape Coral home in 2012? 5 Things To Do NOW

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If 2012 is your year for home hunting and purchase, here is a list of 5 things you should consider to do NOW before anything else.

  1. 1. Check your credit. And I’m serious about that. Make a copy of your credit report online and review anything that can show negative transaction. Call the credit bureau in charge and fix your problem. There is nothing worse than finding the perfect home at the perfect price, getting ready with the down payment and everything and learn that you have been denied because of your bad credit. So, if there is any problem there, fix it now.

  1. 2. Do your homework. Do you research online about 1 month before buying. Check the neighborhood, the market value, compare the foreclosure with the regular market, learn about short sale and see if it’s for you. Shop around for the best terms mortgage out there, call 4 or 5 mortgage broker and compare what they need and they fees/expenses. Ask them what documents you need to be qualified. Ask to be approved for a loan before even getting out to see properties. It’s frustrating to fall in love with a home that is price at $10,000 more than you can afford. Everything else will be disappointing at that point!

  1. 3. Fluff up your down payment. Make sure to have a full understanding of the money you have to bring at closing, all fees including. Again, it’s frustrating to be short of a couple of thousands dollars in front of the home of your dreams. Get your finance in place and ready to go.

  1. 4. Grow your cash. You’re gonna to move. So double check all that stuff that you didn’t use for the last 12 months or more. You won’t probably never use it ever. So make a big yard sale of that stuff, sell them on ebay or on craigslist and keep the money for your down payment or for some work you’ll need to do in your new home, like painting or new moldings.

  1. 5. Be prepared. If you want to purchase a great deal, like a foreclosure, be prepared. I wrote a guideline about being prepared to make an offer on a foreclosure: Cape Coral Foreclosure . I have come across a lot of excited people like kids in front of a toy getting frustrated with those above asking price multiple offers. So being psychologically prepared will help you to handle your purchase.

Once you have everything ready and you have prepared yourself for your 2012 home purchase, feel free to give me a call at 239-240-7346 and I’ll prepare some visits and will help you during your transaction to make it as smooth as possible.

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Comments (0) Dec 17 2011

Great Real Estate Photographs with virtual staging

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I came across an article about Real Estate photography. And this is something I definitely need to be honest. My photos are taken with a small camera that I can take anywhere with me because of the size of it. It’s not a bad camera since its resolution is 12 megapixels but the photographer – myself! – is not that good.

When I compared those article’s pictures and mine, there is a world of difference. So I’m learning and will train myself for better shots. Here are a list of advices from professional photographers that I need to take in consideration:

  • Take the picture from the corner of the room. That’s usually what I do because I want to most space to be seen on the picture. But as they say, my little camera is a camera for objects and not really made for shooting the space of a room. So I need to use a wide angle lens to do so.
  • Avoid having bright lights or windows near the center of the picture. I can’t help it with my little camera. I always have a bright window in the middle of my picture. Again, a wide angle lens should give me more walls to cover the picture.
  • Set your camera to take the brightest and “cleanest” pictures. Honestly, I will have to test this. I remember I took the brightest pictures and the results was not so good. So testing and practice is key here I guess.
  • If you can choose the resolution your camera shoots try to choose the highest resolution possible. The higher the resolution, the better the picture. OK, I got that but I see that the resolution make big size pictures. And for the web, I can’t upload those because it will take forever to download them and see them. I have to reduce the size, so why not to take them already at the right size? Again, I’ll need to figure that out.
  • If there are any lights in the room turn all of them on. That’s what I do most of the time. No problem here.
  • Shoot directly across the room, not up or down. That’s what I do as well, even if I read somewhere that I should be close to the floor to take a room picture. With a wide angle lens, I should have no problem.
  • Use a tripod if available to prevent any motion blur. I recently got a brand new one. Solid and more stable than my old one which is more than 15 years old!!
  • Wide angle shots usually look better to home buyers, however try to avoid the “fish bowl” look, as these will not work with virtual staging and can make the picture look awkward. I guess the fish bowl effect is when you use a really wide angle lens, like a half spherical lens. I know the difference and won’t go there.

The good thing is I can use those best Real Estate photographs in a empty property, as I deal a lot with foreclosures these days, and send them to the Real Estate virtual staging software people. They actually will get them back to me with furniture ! That gives a better feeling to the potential buyers as far as being able to see how the property can be furnished. Virtual Staging Solutions is the industry leader in Virtual Staging. They digitally and realistically place furniture into photos of vacant homes for sale. That helps to sell listings faster and for top dollar. All needed is to send them your photos. I will put some comparable photos myself here so you’ll be able to see the difference between my little camera and the Canon Rebel T2i I have.

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Comments (0) Dec 11 2011

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