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Mark Casper (Asst to Mike Thomas) Real Estate Agent

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Mark Casper
location_on Highland Beach, FL — Asst to Mike Thomas
Independent Brokerage
Get to Know Mark Casper
The 9 Steps to Home Ownership Step - 1 Make the Decision to Buy in IBIS Golf and Country Club It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house - does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income. Step 2 - Seek Professional Guidance - IBIS Real Estate Specialist I'd like to schedule a time to meet with you to hear the reasons you want to buy a house and your plans for the future. We'll talk about neighborhoods, schools, economic factors liable to affect the market today and tomorrow, as well as how you would like your house and neighborhood to grow with you. At this time, I will also help you get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal. Step 3 - Begin the IBIS Golf Club Hunt After our initial meeting, I'll search all my resources for houses on the market that fit your criteria. I'll preview these houses to eliminate the duds. Then, I'll schedule appointments to tour the houses at times convenient to you. As we tour houses, I'll point out positive features and negative features. I'll ask you to tell me what you like and what you don't like. You'll probably amend your "wish list" as we tour houses, some things will become more important and others less important. With this new information, I'll refine our search criteria to narrow in on the house of your dreams. Step 4 - Know the IBIS Home Market My knowledge of the local market is an essential factor in the house search. I'll let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration. As we tour houses, I'll let you know when the asking price has negotiating room and when the house is "priced to sell". My unique market knowledge will keep you a step ahead of the "house hunting competition". In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than buyers. This gives us more negotiating room as houses are taking longer to sell. Step 5 - Find Your IBIS Dream House on the Golf Course I'm confident we'll find your dream house. When we do, I'll put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.). The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing). Step 6 - Negotiate the Deal It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on. Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits. Step 7 - Get a Loan During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. I'll gather the necessary property information your lender will need to close the loan. Step 8 - Close the Deal You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low. Step 9 - Move Into your NEW IBIS home in West Palm Beach Florida Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. I'll give you a checklist to help you remember the numerous details that will make your moving day a pleasure.
Certifications

Gated IBIS Golf Club Communities

The popularity of living in gated or private golf club communities like IBIS in Palm Beach Gardens FL has been rising in recent years. It used to be that gated golf club communities in Palm and Beach Garden and Jupiter Real Estate were thought of as being only for the rich. But today they are becoming more and more popular with middle and upper middle class families. Security is usually given as the biggest reason for choosing to live in a gated community. Among the other reasons people are attracted to living in these communities are protecting property values and lifestyle. Many gated communities are designed with amenities built around a particular lifestyle, in Palm Beach Garden and Jupiter Real Estate with golf courses, tennis, swimming pools, or equestrian facilities. Gated Golf Club communities like IBIS are usually located on some of the most desirable land in the area. Prime land, combined with careful planning and HOA rules create an environment where home values hold up extremely well.

Aside from the gates or walls, the second most defining characteristic of gated or private communities in Jupiter FL and Palm Beach Garden FL is the Homeowner's Association (HOA).The HOA is made up of all the owners of the development. The HOA is responsible for collection of the Association fees and making and enforcing the "rules" of the community. It is often also responsible for maintaining the public aspects of the community, such as streets, security, parks, etc.

The rules set by the HOA can vary a great deal, depending on the individual development. Typically the HOA will have rules pertaining to upkeep and appearance of homes within the development, specifying the colors of paint on outside walls, types of fencing, guidelines for landscaping and storage of boats or recreational vehicles.

Gated Golf Club communities like IBIS aren't for everyone. But with strong protection of property values, increased IBIS security, less traffic and amenities for your specific lifestyle, they are appealing to more people each year. Visit http://www.ballenislesestates.com/ and http://www.golfclubcommunities.com/ Palm Beach Garden FL Real Estate and Jupiter FL Real Estate.

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Highland Beach Waterfront in Florida is sunny Florida favorite place for boaters with deep blue waterfront docks and no fixed bridges makes Highland Beach Waterfront homes the prefect place to live.