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Cruisin The Coast

10/6/2016

It's that time of year again! Cruisin The Coast 2016 has arrived on the Mississippi Gulf Coast. Every year, thousands of classic car owners from all over the world gather to cruise the beautiful MS Gulf Coast and show off their priceless rides. This amazing week features events like parades, classic car auctions, flame throws and more. This event is just another reason to come home to the MS Gulf Coast. Contact me anytime to get more information on-

Gulfport MS Homes For Sale, Long Beach MS Homes For Sale, Pass Christian MS Homes For Sale, Biloxi MS Homes For Sale, Saucier MS Homes For Sale, Diamondhead MS Homes For Sale, Ocean Springs MS Homes For Sale, Bay St Louis MS Homes For Sale.

For all of your Mississippi Gulf Coast Real Estate Needs, I'm with you "Along The Way"

Emily

MS Gulf Coast Real Estate

2/16/2016

The MS Gulf Coast is full of real estate opportunities and developments. Relax on the balcony of a condo, enjoy some privacy with acreage in the country, or invest in a week end get away on the river. Whatever you may be looking for, you can likely find it on the MS Gulf Coast.

A few community highlights-

Biloxi - Keesler Air Force Base, Beaches, Casino's, Shopping, MS Gulf Coast Coliseum & Convention Center, Dining, and MGM Park. 

Gulfport - Jones Park, Naval Construction Battalion Center, Fishing, Beaches, Golfing, Airport, Casino's, Dining & Shopping

Long Beach - Town Green, Long Beach Harbor, Boutique Shopping, Small Town Dining, Beaches, Fishing

Pass Christian - Golf Courses, Historic Homes, Beaches, Small Town Dining, War Memorial Park

This has been the place I call home for over 35 years. If you're ready to call it home too, I'm here to help you do that. Contact me about more details for Real Estate on The MS Gulf Coast. 

Emily

Buying Power - The Importance Of Approval

2/2/2016

 

You're finally ready to make the dream of home ownership a reality. The excitement sets in and you start surfing the web for that perfect house. You see it on the screen and can't wait to put in your offer.

Many times, potential home buyers skip (what should be) the first step in the process. Getting in touch with a lender (bank, mortgage broker, etc.) is the most efficient way to begin your home search. There is "buyer power" in consulting with a lender first. 

Here are a few reasons:

1) Buyers are aware of what they can afford monthly but often unsure of what that amount may equal to when it comes to the price of a home. Taxes and insurance as well as the interest rate must be made a part of the monthly payment. A lender can give you a price range to stick to in your search, based on what you are comfortable with paying every month. 

2) In many instances, there are loan programs available that would be a great fit for a buyer. Some possibly offering minimal or no down payment. However, the loan program may exclude properties that need significant repair or remodel. Your loan officer can let you know the differences in those programs and give you options for what best fits. Then you can rule out or include what is recommended. 

3) Sellers want to see offers from buyers who have been pre-approved/qualified. Submitting an offer without a letter indicating approval or qualification may be viewed by the seller as weak or unsupported. 

The majority of lenders can pre-qualify you over the phone or online in minutes based on factual information you supply. Paperwork to verify the information will eventually be requested but the initial process is fairly quick. You have the right to shop for your loan. I suggest contacting a minimum of 3 lenders to compare rates, loan programs, and lender costs associated with the loan. As long as you are having credit pulled for the purpose of a mortgage and it is done within a small time frame (try to contact all 3 within 30 days) you shouldn't see a negative credit score impact for inquiries. 

If you are ready to take the step towards being a home owner and need guidance in finding the right lenders to contact - I CAN HELP! Contact me anytime.

Emily

Foreclosure and Auction Properties

1/21/2016

FORECLOSURE AND AUCTION PROPERTIES

Many buyers are interested in learning more about the process of purchasing a foreclosed home. With a number of these properties currently listed and the prelist inventory growing, these homes have become significant in our market. Over the last few years, many of the banks have turned to auction companies in an effort to market their inventory. There are many homes for sale in Gulfport, Long Beach, Pass Christian, Biloxi, Bay St Louis, and all across the Mississippi Gulf Coast that are now on the "auction block".  

The difference in a foreclosed home that is listed on auction is mainly how offers are processed. Auction homes request that the buyer submit the offer directly through the specific auction website. In many cases, there is a buyer premium involved and a credit card number required to bid. 

A buyers premium is an amount added onto the final price as a convenience fee for the auction.  The premium is immediately held against your credit card but the charge does not go through if you (1) do not win the bid or (2) successfully close the sale. You will be charged the amount on the closing statement and it will be added into the full amount that is due from you, but your credit card will not be charged. In some cases, there may be other reasons, but this is the norm. The credit card is to "hold" the home for you and ensure you have funds to cover the premium. Remember, the premium is not the earnest money. Earnest money will be required in addition to the buyers premium. 

Auction home listings do allow for the buyer to have real estate representation. This is recommended as some of the in's and out's are better serviced by a professional that is working for you!

I have extensive knowledge from both ends of the foreclosure spectrum and would be glad to answer any questions you may have. Contact me for answers to your auction and foreclosure questions today!

Emily

 

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Emily Clemens
Cell/Text: 228-669-3047
Office: 228-863-0617

RE/MAX Along The Way

20164 Pineville Road
Long Beach, MS 39560
Office: 228-863-0617

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