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IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH
FLORIDA; PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR. AT:
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How to Buy a Condominium

If your version of the American dream doesn't include
mowing the lawn, think about buying a condo. Good options
for both first-time home buyers and older folks who are
ready to downsize, condos are typically smaller and less
expensive than a single family home, and can include
attractive amenities as part of a home owners association
(HOA), such as pools and fitness facilities. Bone up on both
the pluses and the minuses.

Step 1. Think about how long you're going to stay in one
place. Buying a condo is no different than buying a
single-family home--you need to live there at least a couple
of years to recoup closing costs, assuming the property will
appreciate. --- KNOWLEDGEFINANCIAL.COM

Step 2Give some thought to what you want. If you're not
interested in the pool or sauna, understand that the condo's
price and ongoing monthly association fees will reflect their
use regardless of your interest in swimming or sweating.

Step 3. Visit various condominium or townhouse
communities and multiunit buildings so you know what's
available where you live. Get a sense of prevailing prices.

Step 4. Request a market analysis from a real estate agent
regarding the selling prices of condos in the building or area.
Check the price appreciation on the market analysis to
evaluate how quickly the condos are increasing in value;
subtract the selling price from the purchase price and divide
by the number of years the property has been held by the
previous owner for a ballpark estimate of annual
appreciation, if any (varies from state to state and place to
place), in the neighborhood. KNOWLEDGEFINANCIAL.COM

Step 5. Get prequalified for a mortgage (see How to Shop
for a Mortgage).

Step 6. Find out if the building has a good reputation. Ask
current residents how often repairs and maintenance are
required, and how good the soundproofing is between units.

Step 7. Check out parking, storage, security and other
amenities.---- KNOWLEDGEFINANCIAL.COM

Step 8. Ask to see the minutes from a recent meeting of the
home owners association (HOA). Find out what the hot
issues are and if members are fighting tooth and nail. You
may want to keep looking-- nobody wants to live where
neighbors are at each other's throats.

Step 9. Ask how large the HOA's reserve funds (used to
pay for maintenance and emergency repairs on the building)
are. The larger the reserve, the less a chance of an
assessment or one-time payment to chip in for an
unexpected expense. The smaller the reserve, the greater
the chance you'll be billed for an assessment in the near
future. Some states require periodic updates of reserves to
be published to HOA members.

Step 10. Check the HOA's history of assessments to see
how many have been made in the past 10 years and how
large they have been. This information will help you gauge
how likely it is that you'll be assessed in the near future, and
indicate how well-managed the building is. Better managed
buildings make fewer assessments.

KNOWLEDGEFINANCIAL.COM

Step 11. Talk to other members and find out how restrictive
your HOA is. For instance, some buildings even dictate
what sort of holiday lighting you can put up. Request the
same information as you would for buying a house. Read
the CC&Rs (covenants, conditions and restrictions).

Step 12. Budget in association dues, which are above and
beyond your monthly mortgage payment. To assist in
long-term financial planning, ask the condo association
whether association fees have increased in recent years.
Also estimate monthly maintenance costs that you're
responsible for in addition to the association fees.



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YOUR PROPERTY WILL BE MARKETED IN 13 DIFFERENT LANGUAGES

----------------------------------------
''IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA;

PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR.  AT:  786-709-6577-
------------------------

ATTENTION SELLERS:

LET US HELP YOU SELLING YOUR PROPERTY.

WITH US: IS MORE ADVERTISEMENT,

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YOUR PROPERTY WILL BE MARKETING IN 13 DIFFERENT LANGUAGES

CALL: 786-709-6577  --- SOUTH FLORIDA.   --- WE,RE LICENSED REALTOR & LICENSED
MORTGAGE
------------------------------

Selling Your Real Estate in Least Amount of Time For The Most Money.

Expose Your Property to The Most Potential Buyers.  CALL ANTHONY AT: 786-709-65-77
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