Author: Linda Thompson

The Complicated Process Of Buying a Home

We simplify the sometimes complicated process of buying a new home!

Our step-by-step guidelines make it easy.

The next step is to get your financing in order. This is vital to a smooth transaction. Please read our report on the difference between “pre-qualification” and “pre-approval”. This gives us the “ammunition” we need to negotiate on your behalf for the best possible price and terms. Not only will this help, but check out our “Bundle” service for great savings. Having the right mortgage broker is as important as having the right Realtor. They are both vital in your home buying transaction. Accent Properties is a “family” company. …and my son, Michael, is our “in-house” mortgage broker. He is highly qualified to find you the best mortgage rate possible. Obviously you are free to choose any mortgage broker, but we do make our discount service available to you. real estate for sale - home for sale

At this point, we will enter a detailed description of the home you’re looking for into our MLS service. You will receive every listing within your search criteria and then receive brand new listings as soon as they “hit” the market. We want to put as much detail as possible so you aren’t overloaded with too many homes to look through. It doesn’t make sense to us to keep sending you home listings that won’t meet your needs. We will deposit homes into your shopping cart……and you tell us which ones you like.

Once we find a home that interests you, we will set an appointment to look at the property. If you live out of town, we will preview the home for you. In this case, we usually call you while we’re there and tell you about the home as we walk through. This way, you can ask any questions that you might have at that point. If the seller is agreeable, we will also take additional photos and e-mail them to you. We are careful to tell you both the good and bad points of the home. Sometimes I feel that we go overboard in pointing out negative issues…..but we want you to be advised of anything that will affect your decision.

When we have found the home that is right for you, we will prepare a detailed market analysis to determine the best “offer price”. We consider how long the home has been on the market, the trends within the neighborhood showing what other homes have sold for, how soon you need to move, etc.

It’s time now to write the offer. We want to be sure that it is written with your best interests in mind. Offer price… home inspection….pest inspection…..disclosures, any items that you ask to remain with the home…..earnest money……title insurance…..home warranty…..closing date……any or special stipulations……any environmental tests, including mold inspection and radon gas testing, you wish to have conducted…..and all state required documents. We also attend to any issues regarding zoning, easements or other restrictions that might apply to the property. We always want to ask the seller to provide a CLUE report, which would tell us about any insurance claims that have been made on the property. Note* We actually provide radon gas testing for you as part of our comprehensive service to you.

Negotiation time! We present the offer along with a copy of the market analysis, your earnest money check and your pre-approval letter. This lets the sellers know that we have done our homework and are prepared for a swift closing. We are careful to protect your confidentiality…..never divulging any of your personal information to the listing agent. And they do ask because they work for the seller and want to give them every advantage.

Once we have finished negotiations, we are then ready to send a copy of the executed contract to the mortgage department for processing. At this point, the appraisal is ordered. While the paperwork is being processed, we will be conducting our home inspection and environmental testing. We strive for a smooth, trouble-free transaction.Real estate agent at work - home sold sign

We will be working with the closing department…. handling all the closing details during this time of mortgage finalization…..making sure that all paperwork is in order. Your responsibility during this time is to provide any required documentation and also to provide the name and phone number of your homeowners insurance agent.

We schedule a final walk-through the day of closing to make sure that the home is in the same condition as it was the day of purchase. At this time, you will need to carefully check the home and sign an agreement that you are accepting the home in its present condition.

Closing time! Once everything is ready, we set a time for closing that is convenient to you. In the State of Florida, closings are handled through a title company or attorney working directly with the lender. If you cannot be present for closing, it can be handled through FedEx. All funds for closing must be in the form of certified funds. We always attend the closing with you to insure that everything is in order…..and all your questions are answered. Our job is finished only when you are satisfied. Click for an overview of the Good Funds Law.

We truly appreciate your business and know that without you, we wouldn’t have a business. Please contact me about anything we can do to help make your home buying process or move easier.

Construction defects can Occur

Construction defects can occur in multiple areas of your house, condo, or townhome, including the exterior. Since there is such a wide range of construction defects it is sometime difficult to determine whether or not the building issues you are experiencing are in fact construction defects or just simply a necessary repair. How do you know if your issues are from a construction defect and why does it matter?

If the cause of the building issue is not from your negligence but from the negligence of the builder, developer, contractor, or any other professional involved in the construction of your house, any one of them or all of them may be responsible for the cost of defects law

One root of these building issues can be fireplaces. You may have an issue with insufficient clearances between fireplaces and combustible materials and/or missing or incomplete installation of firestops between floors.

Insufficient Clearances between Fireplaces and Combustible Materials

Insufficient clearances between fireplaces and combustible materials can be a serious construction defect. The construction, placement, chosen material, and other aspects of fireplaces have to adhere to certain regulations and building codes. These regulations and building codes are in place to look out for the safety of the inhabitants of a building. They can be strict but they do serve a public purpose. Not being compliant with these restrictions can result in a hazardous situation. Insufficient clearances between fireplaces and combustible materials are fire hazards.

Use of Non-Approved Decorative Chimney Terminations

Use of non-approved decorative chimney terminations is a common problem that many homeowners may have, unbeknownst to them. A construction defect like this may only become evident to a homeowner when there are some obvious issues, such as excessive smoke collection or when the fire cannot escape and/or have room to breathe. If you are having issues with the functioning of your fireplace and chimney you may need to verify that use of non-approved decorative chimney terminations is not the issue.

Trucking Companies Should Follow the Rules

Trucking Companies Should Follow the Rules

Every truck driver and trucking company must follow a set of trucking regulations in order to be in compliance with the law. The Federal Motor Carrier Safety Administration (FMCSA) is the agency in charge of regulating the nation’s commercial trucking industry. All trucking laws have been created with the goal of keeping our roads safe. When a large truck causes an accident, there are many contributing factors, and often, the truck driver or the trucking company has failed to adhere to the federal rules. Some of the most important trucking industry laws and regulations are:Personal Injury lawyersMore information here

Hours of Service
Alcohol and Drug Testing
Maintenance and Repair
Truck Height and Weight Limits
Transportation of Hazardous Materials
Hours of Service

According to a Department of Motor Vehicles study, driver behavior is ten times more likely to be the cause of a large commercial truck accident than any other factor. Driver fatigue and inattention are leading causes of truck accidents, so federal law limits the number of hours that commercial truck drivers can spend on the road between rest breaks. Under federal law:

Drivers may drive up to 11 hours in a 14-hour workday. After they go off-duty, drivers must not work for 10 or more consecutive hours.
The 14-hour on-duty window may not be extended with off-duty time for meal and fuel stops, etc.
Drivers may not be on duty for a total of 60 hours in 7 consecutive days, or 70 hours in 8 consecutive days, but they may “restart” the 7/8 day period anytime they have spent 34 consecutive hours off duty.
Drivers using a sleeper berth in their trucks must take at least 8 consecutive hours in the sleeper berth, plus 2 consecutive hours either in the sleeper berth, off duty, or any combination of the two.personal injury truck accident attorneys

All hours and miles driven must be documented in a driver’s log.

Alcohol and Drug Testing
Commercial truck drivers are held to a higher standard when it comes to driving under the influence of alcohol. While non-commercial drivers can legally operate their vehicles with a blood-alcohol content of less than .08 percent, commercial drivers in most states may not legally drive with a blood-alcohol content of .04 percent. FMCSA regulations also require that commercial truck drivers undergo periodic alcohol and drug testing. Trucking companies are responsible for conducting random, unannounced tests, and a positive drug test should result in removal from duty. The tougher rules for driving a commercial truck under the influence of alcohol or drugs is a reflection of the increased danger the larger, heavier vehicles pose on the roads.

Maintenance and Repair
Making sure that trucks are fit for the road is a major responsibility for the trucking company and the truck driver. There is a monetary incentive to rush through safety checks or to delay repairs. A trucking company’s priority is speed over safety. Those maintenance delays can become deadly. FMCSA regulations provide minimum inspections standards for commercial motor carriers. Trucking companies must establish training programs and implement standards for their truck drivers. Trucks should be maintained and regularly inspected for damage. All routine safety inspections and all repairs should be well documented.

Truck Height and Weight Limits
Overweight trucks are one of the top causes of truck collisions. FMCSA assigns weight and height limits for trucks to protect roadways and the people who use them. Weigh station checkpoints are placed on highways for law enforcement officials to check each truck’s compliance. Truck drivers and trucking companies try to cut costs by overloading their trucks and try to avoid checkpoints. Trucks that are too heavy or too tall can cause serious damage to roads, are harder to control, and increases the risk of rollovers and collisions with other vehicles.

Transportation of Hazardous Materials

The FMCSA and other government agencies regulate the transport of hazardous materials with the hope of reducing harm to the public and the environment. Laws for drivers and commercial trucks that transport gasoline, radioactive waste and other hazardous materials on the roads require a certain level of safety in their operations that may include specific permits and special handling, including:

No smoking within 25 feet of designated vehicles
No parking of the vehicle within 300 feet of open flames
Driver must maintain control over the vehicle during stops, including for fueling
If you or a Loved One were Injured in a Truck or 18 Wheeler Accident, our Truck Accident Lawyers can Help

Call (800) 993-4887 or just fill out the contact form on the right side of this page. All consultations are free, and there’s no commitment involved.