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Marco Island Condos, Marco Island Real Estate, Marco Island Homes for Sale, Marco Island Luxury Homes

Waterfront Luxury Home Specialist

239.821.7926
Cathy.Rogers@Sothebysrealty.com

Florida First & Florida Advantage Help Qualify You For Down Payment Assistance Programs

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If you’re in the process of buying a home and need down payment assistance, you should know that the State of Florida might have a program that can help you finally become a homeowner! Thanks to Florida Housing, there are a handful of programs to help homebuyers. Two of the most utilized and appreciated programs that people in Florida use are the Florida First program and the Florida Advantage program. Both of these can help buyers automatically qualify for down payment assistance programs.

Florida First

The Florida First program offered by Florida Housing is a means to get a low 30-year fixed-rate on your first mortgage, if you’re a qualified borrower. It isn’t a down payment assistance program, but it does automatically qualify you for one of the state’s down payment assistance programs. So, Florida First is a wonderful place to start, if you need down payment assistance. Plus, it may qualify you for an outstanding affordable mortgage.

Florida Advantage

The Florida Advantage program offered by Florida Housing  can help you if you intend to buy a home in an area designated as rural. Keep in mind, the definition of rural is quite broad. So, it is worth looking into, even if you don’t think the home you’re interested in qualifies as rural. This program helps self-help buyers or buyers with at least one disabled family member. To qualify, you also need to be at or below 80% of AMI adjusted for household size. If you do, you also would qualify for the Florida Assist down payment assistance.

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

 

What Is The Busiest Time Of The Year On Marco Island?

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Are you planning to visit Marco Island, because you’re considering relocating? If that’s the case, and you’re hoping to come when it’s not as busy, come see us soon!

The population of Marco Island quadruples to 55,000 people during March and April because of Spring Break. We have the most gorgeous beaches, so March and April get very busy. Our economy is fairly reliant on these tourists. They support eco-tour operations, shops, restaurants and more. The busiest window of time starts at the beginning of March and runs through the middle of April. It’s six weeks of excitement, but by around April 23rd, spring vacations are over and another crowd also leaves Marco Island.

Marco Island normally has around 15,000 full time residents, but we also have friends from the North, we call “snowbirds.” These are people who live North and escape to Southern Florida to avoid the harsh northern winters, but head back north once Spring returns.

So, if you want to see Marco Island the way it is for most of the year, don’t visit during the Spring Break rush!

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

Call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’ll start searching right away. In the meantime, please explore our:

What’s That Red-Orange Slime In The Toilet?!

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Sometimes homes for sale sit vacant for awhile. When this happens, occasionally, you’ll notice that the toilet has a red-orange slimy deposit. The deposits can be orange, red, brown and sometimes yellow. Often, you’ll see an oil-like sheen over the water. It looks disgusting. If you’ve ever noticed this phenomenon, you won’t forget it!

So, what is it? Well, when water has been sitting for awhile in a toilet, these deposits can occur if there is iron bacteria in the well water supply. These bacteria are known to grow in water containing iron concentrations as low as 0.1 mg/L. You’ll also need at least 0.3 ppm of dissolved oxygen to carry out oxidation.

This filamentous growth is not known to cause any disease, so it shouldn’t be an automatic worry by any means. It can cause build up on fixtures and pipes, so having these things inspected is a good idea. It’s also a good idea to test water for other bacteria and all around quality before drinking from any well, of course. The bacteria can cause the water to have what some people consider a foul taste, but it’s not generally believed to be unsafe. This is a relief at a time when all across the nation people are paying special attention to water quality.

Thankfully, it’s also not difficult to treat or test for. A test should cost under $35 and your well can be treated by a professional.

5000 ROYAL MARCO WAY 330 $1,375,000

5000 ROYAL MARCO WAY 330 MARCO ISLAND, Florida

3 Beds 3 Baths 4,243 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

4000 ROYAL MARCO WAY 424 $1,299,900

4000 ROYAL MARCO WAY 424 MARCO ISLAND, Florida

3 Beds 3.1 Baths 4,318 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

100 N COLLIER BOULEVARD PH-3 $915,000

100 COLLIER BOULEVARD N PH-3 MARCO ISLAND, Florida

2 Beds 2 Baths 1,601 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

900 S COLLIER BOULEVARD 210 $864,900

900 COLLIER BOULEVARD S 210 MARCO ISLAND, Florida

2 Beds 2 Baths 1,504 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

824 E HIDEAWAY CIRCLE 341 $859,000

824 HIDEAWAY CIRCLE E 341 MARCO ISLAND, Florida

3 Beds 2.1 Baths 3,100 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

220 S COLLIER BOULEVARD 703 $829,900

220 COLLIER BOULEVARD S 703 MARCO ISLAND, Florida

2 Beds 2.1 Baths 1,952 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1231 LAUREL COURT $2,549,000

1231 LAUREL COURT MARCO ISLAND, Florida

3 Beds 3.2 Baths 6,621 SqFt 0.400 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1659 RAINBOW COURT $825,000

1659 RAINBOW COURT MARCO ISLAND, Florida

3 Beds 2 Baths 2,820 SqFt 0.230 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1036 GOLDENROD AVENUE $799,000

1036 GOLDENROD AVENUE MARCO ISLAND, Florida

3 Beds 2.1 Baths 3,277 SqFt 0.200 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

372 ROOKERY COURT $749,900

372 ROOKERY COURT MARCO ISLAND, Florida

3 Beds 2 Baths 2,171 SqFt 0.250 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1929 INDIAN HILL STREET 0 $1,800,000

1929 INDIAN HILL STREET MARCO ISLAND, Florida

0.480 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

641 BLACKMORE COURT 12 $999,000

641 BLACKMORE COURT 12 MARCO ISLAND, Florida

0.310 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

849 CAXAMBAS DRIVE 13 $865,000

849 CAXAMBAS DRIVE 13 MARCO ISLAND, Florida

0.990 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

341 HENDERSON COURT 12 $715,000

341 HENDERSON COURT 12 MARCO ISLAND, Florida

0.200 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

Time To Buy Before Interest Rates Go Up Again

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Freddie Mac announced recently that rates on a 30-year fixed mortgage rose to 4.72 percent. Plus, rates are going to continue to rise. They’ve already risen over 3/4 of a percent higher than they were at the start of 2018.

You might be hoping that prices on homes will drop and planning to make your purchase at that point. This won’t likely actually save you any money though. See, even if the sticker price comes down, that doesn’t mean you’ll pay less. If you are like almost everyone else, you’re not  going to pay cash for your new Marco Island home. You’re going to finance it.

With a lower interest rate, you will pay less monthly and over all than a lower priced home with a higher interest rate. In fact, for every 0.25 percent interest rates rise, the amount of a home you can afford declines by 2.5 percent.

If you’re thinking of purchasing a Marco Island home, please call us soon. Interest rates will continue to rise, and are expected to be well over 5.0 percent by this time next year.

5000 ROYAL MARCO WAY 330 $1,375,000

5000 ROYAL MARCO WAY 330 MARCO ISLAND, Florida

3 Beds 3 Baths 4,243 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

4000 ROYAL MARCO WAY 424 $1,299,900

4000 ROYAL MARCO WAY 424 MARCO ISLAND, Florida

3 Beds 3.1 Baths 4,318 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

100 N COLLIER BOULEVARD PH-3 $915,000

100 COLLIER BOULEVARD N PH-3 MARCO ISLAND, Florida

2 Beds 2 Baths 1,601 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

900 S COLLIER BOULEVARD 210 $864,900

900 COLLIER BOULEVARD S 210 MARCO ISLAND, Florida

2 Beds 2 Baths 1,504 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

824 E HIDEAWAY CIRCLE 341 $859,000

824 HIDEAWAY CIRCLE E 341 MARCO ISLAND, Florida

3 Beds 2.1 Baths 3,100 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

220 S COLLIER BOULEVARD 703 $829,900

220 COLLIER BOULEVARD S 703 MARCO ISLAND, Florida

2 Beds 2.1 Baths 1,952 SqFt

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1231 LAUREL COURT $2,549,000

1231 LAUREL COURT MARCO ISLAND, Florida

3 Beds 3.2 Baths 6,621 SqFt 0.400 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1659 RAINBOW COURT $825,000

1659 RAINBOW COURT MARCO ISLAND, Florida

3 Beds 2 Baths 2,820 SqFt 0.230 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1036 GOLDENROD AVENUE $799,000

1036 GOLDENROD AVENUE MARCO ISLAND, Florida

3 Beds 2.1 Baths 3,277 SqFt 0.200 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

372 ROOKERY COURT $749,900

372 ROOKERY COURT MARCO ISLAND, Florida

3 Beds 2 Baths 2,171 SqFt 0.250 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

1929 INDIAN HILL STREET 0 $1,800,000

1929 INDIAN HILL STREET MARCO ISLAND, Florida

0.480 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

641 BLACKMORE COURT 12 $999,000

641 BLACKMORE COURT 12 MARCO ISLAND, Florida

0.310 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

849 CAXAMBAS DRIVE 13 $865,000

849 CAXAMBAS DRIVE 13 MARCO ISLAND, Florida

0.990 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

341 HENDERSON COURT 12 $715,000

341 HENDERSON COURT 12 MARCO ISLAND, Florida

0.200 Acres

Listing courtesy of PREMIER SOTHEBY`S INTERNATIONAL REALTY

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

Florida First Time Home Buyer Incentives

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Do you know the options and specifics for Florida first time home buyer incentives? There are plenty of programs available to help you get into a new home thanks to Florida Housing.

Florida First

The Florida First program offers a low 30-year fixed-rate first mortgage to qualified borrowers. That automatically makes the buyer qualified for one of the state’s down payment assistance programs.

Florida Advantage

The Florida Advantage program helps home buyers in specific areas, rural self-help buyers, or buyers with at least one disabled family member. Buyers need to be at or below 80% of AMI adjusted for household size to qualify and if they do, they also qualify for Florida Assist down payment assistance.

Community Heroes

Community Heroes is a 30-year first mortgage loan program that helps veterans and active duty military personnel, full-time employees of the school system, full-time employees of police departments, full-time firefighters, and some healthcare workers. This provides home loans at lower interest rates.

 

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

 

Florida Down Payment Assistance Programs For Home Buyers

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Florida Assist

Do you know the options for Florida down payment assistance programs that can help Florida home buyers? There are plenty of programs available to help you get into a new home thanks to Florida Housing. Florida Housing’s FTHB Program program can be accessed only through participating lenders in  Florida. From the Florida Housing website, select First Time Homebuyer Wizard. When you’re done here, check out the options and specifics for Florida first time home buyer incentives.

 

Florida Down Payment Assistance Programs

Florida Assist

Florida Assist offers lower income borrowers up to $7,500 towards down payment assistance and closing cost fees. This works as a deferred second mortgage with to cover these costs and pay nothing, not even interest until you sell or refinance the home or at the end of the first mortgage.

Homeownership Assistance for Moderate Income Loan (HAMI)

HAMI offers borrowers up to $5,000 in down payment and closing costs help. This is also a second mortgage. This one is a low, fixed-rate second mortgage repayable over ten years.

 

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

What Will The FICO Score 9 Do To Your Credit Score?

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Some lenders are already looking at applicants FICO Score 9 credit scores. There are some major differences between this new system for determining a credit score and the FICO 8. So, how will this affect you if you go to buy a home and the lender uses FICO Score 9? Well, to start, most lenders haven’t made the switch yet, but in time, they will. Scientists at FICO believe the new system is a more accurate way for lenders to determine the level of risk involved with lending to someone. For many potential home buyers, this new system will actually improve their credit scores. Here are some big changes:

If you had an account in collections, but paid it off already, the FICO Score 9 will make it so that it doesn’t bring down your score. It removes the effects that would have otherwise had on your score.

If you have medical bills, it lowers the effect of those on your score. With the new FICO Score 9, medical bills will be weighted less heavily than a credit card, thankfully!

Also, a huge perk for people who pay their rent on time: If your landlord reports your rent, payments made on time will bring up your score! This is great news considering that most people will pay their rent every month, so its a better indicator of your actual likelihood to pay your mortgage or other loans!

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

Registering To Vote In Collier County

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As you search through homes for sale on Marco Island this election season or begin unpacking from your big move, you may forget about registering to vote in Collier County. Here’s some tips and reminders about registering to vote. Here’s your 2018 Voter’s Guide.

Upcoming Elections in Collier County

The Primary Election will be held on August 28, 2018. Collier County residents have a registration deadline for that election of July 30, 2018. Meanwhile, the General Election is November 6, 2018. Collier County residents have a registration deadline for the General Election of October 9, 2018.

Collier County Voter Registration

Collier County residents can use the Online Florida Voter Registration (click here) or they can also download a Voter Registration Application and then mail it to the Collier County Supervisor of Elections. Other ways to register to vote in Collier County include heading up to a state drivers licence office or tax collector’s office,or through a voter registration agency such like a public assistance office or public library.

What You’ll Need To Register

You’ll need a Florida drivers license or state ID card and the last four digits of your social security number to register online. If you don’t have your SSN, you’ll need to head into the Supervisor of Elections office with your ID. Make sure you submit your registration before 11:59 p.m. Eastern Time 29 days before the election you plan to vote in.

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

What Electric Companies Serve Collier County?

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Collier County residents get electric service from one of two electric companies. The two electric companies serving Collier County are Florida Power & Light Company and LCEC.

Florida Power & Light Company

Florida Power & Light Company, the third-largest electric utility in the country, serves approximately 4.9 million customer accounts and across half of Florida. Their customers’ electric bills are around 25 percent lower than the national average. Plus, FPL’s electric service reliability is better than 99.98 percent! It has one of the most fuel-efficient power plant fleets in the world!

LCEC

LCEC is a non-profit electric distribution cooperative serving about 210,000 customers in Southwest Florida. It’s competitively priced. It’s one of the largest co-ops in the US and one of the largest employers in Lee County, Florida. Any customer in the service territory can join the cooperative. LCEC serves customers in Cape Coral, Sanibel, Captiva, North Fort Myers,Pine Island, Everglades City, Ave Maria, Immokalee, parts of Lehigh Acres and Marco Island. The cooperative began in 1940.

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

 

Searching For Marco Island Area Property Tax Levies?

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Are you interested in comparing property tax levies for various areas of Florida? The State of Florida’s Property Tax Oversight (PTO) program maintains detailed records of all local government tax levies. This includes data reports and access to public tax roll data related to property taxes in Florida. You can also search property tax records by address directly using an online database search offered by the county.

If you are already in a home and feel that your home was not valued properly by the assessor, you can appeal the value. First, bring it up with your local agency of course. Marco Island residents pay their property taxes to the Collier County Tax Collector.

Florida’s Value Adjustment Board

The value adjustment board independent from the tax collection offices in the state. It provides a forum for property owners to appeal their property values. It also allows homeowners to appeal a denial of an exemption or tax deferral too. After contacting the local tax collection office, if you still feel you deserve an appeal, this is your forum.

The value adjustment board (VAB) hears appeals regarding property value assessments, exemptions, classifications, ad valorem tax deferrals and more. You can file a petition with the clerk of the VAB in the county where the property is located.

Are You Buying a Home on Marco Island?

Considering buying a home on Marco Island? We’d love to help you find one that’s just right for your needs.

First, check out available Marco Island area properties using this helpful search tool. If it’s easier, you can just call us at 239-821-7926 or get in touch with us online to let us know what you’re looking for. We’re happy to contact you however you prefer. Then, we’ll start searching our databases right away using criteria you specify!

In the meantime, you can also easily explore Marco Island real estate by price:

Also, to stay current on the latest listing and community events, connect with your Marco Island area expert on Facebook or Twitter!

Contact Cathy


239.821.7926
Cathy.Rogers@Sothebysrealty.com