Home Purchase Legal Protections for Individuals with Disabilities

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Understanding the legal protections available for people with disabilities is essential when navigating Florida’s fair housing policies. Under both federal and state laws, including the Fair Housing Act (FHA) and the Florida Fair Housing Act, individuals with disabilities are safeguarded against discrimination in housing-related transactions. These laws prohibit landlords, property managers, and sellers from denying housing opportunities or imposing different terms and conditions based on a person’s physical or mental disability.

The Tampa seller agents / Orlando seller agents and buyers’ agents at One Percent Guys Full Service Real Estate Pros have a full understanding of fair housing policies. One of the key provisions for individuals with disabilities is the requirement for reasonable accommodations and modifications. This means that housing providers and homeowners associations must make necessary changes or adjustments to rules, policies, or physical structures to ensure that individuals with disabilities can fully enjoy their housing. Examples include allowing service animals in no-pet buildings or permitting wheelchair ramps to be installed at the resident’s expense.

It’s important for residents to know that these protections extend beyond just physical disabilities and cover a wide range of conditions, including chronic illnesses and mental health disorders. If you believe your rights have been violated, Florida offers several avenues for recourse, including filing complaints with the Florida Commission on Human Relations or the U.S. Department of Housing and Urban Development (HUD).

One Percent Guys Full Service Real Estate Pros advocates to ensure our clients with disabilities receive fair treatment in the housing market, fostering a more inclusive and accessible community for all. If you or someone you know has a disability, our Tampa seller agents / Orlando seller agents and buyers’ agents are honored to work with you. Best of all, our 1% real estate promise means more money back in your pocket! Give your friends at One Percent Guys Full Service Real Estate Pros a call today!

Examples of Different Types of Housing Discrimination

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Examples of Different Types of Housing Discrimination

Housing discrimination remains a critical issue that unfortunately exists. The Tampa seller agents / Orlando seller agents and buyers’ agents at One Percent Guys Full Service Real Estate Pros are dedicated and honored to serve everyone. In fact, we were founded on the principle of making the dream of owning a home a reality, especially for those who thought it was impossible.

Below are some examples of different types of housing discrimination that can occur, and we at One Percent Guys Full Service Real Estate Pros work diligently to protect our clients from:

Racial and Ethnic Discrimination: Despite fair housing laws, some real estate agents may refuse to sell properties to individuals based on their race, color, or national origin. This type of discrimination is prohibited under both federal and state laws.

Discrimination Based on Familial Status: Families with children, pregnant women, or those in the process of obtaining custody can sometimes face bias.

Disability Discrimination: Under the Fair Housing Act, individuals with physical or mental disabilities are entitled to reasonable accommodations and modifications.

Discrimination Due to Religion or Sex: Real estate agents, homeowners’ associations, etc. cannot discriminate based on a person’s religious beliefs or gender. This includes refusing to rent, offering different terms, or steering individuals towards or away from certain neighborhoods.

Discrimination Related to Sexual Orientation or Gender Identity: While not explicitly covered under federal law, Florida has seen increased protections under local ordinances and court rulings that prohibit discrimination based on sexual orientation or gender identity.

One Percent Guys Full Service Real Estate Pros are passionate advocates of fair housing practices. Our Tampa seller agents / Orlando seller agents and buyers’ agents consider it an honor to work with you. We get great satisfaction out of making dreams come true! And, our 1% real estate guarantee means more money back in your pocket. If you are looking to either buy a home or sell your home, our Tampa seller agents / Orlando seller agents and buyers’ agents are here to help. Give your friends at One Percent Guys Full Service Real Estate Pros a call today!

Protected Classes Under Florida Fair Housing Policies

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Protected Classes Under Florida Fair Housing Policies

Understanding the protected classes under Florida Fair Housing policies is essential for both residents and landlords to ensure compliance and promote fair treatment in housing. The Tampa seller agents/Orlando Seller agents and buyer’s agents at One Percent Guys Full Service Real Estate Pros are here to clarify the laws and answer any questions you may have.

Florida’s fair housing laws align closely with the federal Fair Housing Act, safeguarding individuals from discrimination based on specific personal characteristics. These protected classes include race, color, national origin, religion, sex, familial status, and disability. Additionally, Florida law extends protections to other categories such as age, marital status, and source of income in certain jurisdictions.

This means that landlords, property managers, and real estate professionals cannot refuse to rent, sell, or negotiate housing terms based on these protected characteristics. Understanding these protections helps create a more inclusive housing market where everyone has equal access to housing opportunities.

If you believe you have experienced discrimination, it’s important to know your rights and the proper channels for filing a complaint with the Florida Commission on Human Relations or the U.S. Department of Housing and Urban Development (HUD). By staying informed about these protected classes, residents can better navigate Florida’s housing landscape with confidence and fairness.

Are you in the market for a new home or looking to sell your current one? Look no further than One Percent Guys Full Service Real Estate Pros! Our 1% real estate promise means more money back in your pocket! Our team of experienced Tampa seller agents/Orlando seller agents and buyer’s agents are dedicated to helping you find your dream home or sell your property quickly and with ease. Trust One Percent Guys Full Service Real Estate Pros to provide quality and expertise without breaking the bank. Contact us to make your real estate goals a reality today!

Financing Your Florida Dream Home: Mortgage Options and More

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As you’re soaking up the sun and envisioning your perfect Florida lifestyle, it’s essential to understand the financial aspects of buying your dream home. Financing your Florida property can be a complex process, but with the right guidance from the Tampa seller agents/Orlando seller agents and buyers’ agents at One Percent Guys Full Service Real Estate Pros, you can navigate the options and secure the best deal for your situation.

You have a variety of mortgage options, each with its unique benefits and requirements. From conventional fixed-rate mortgages to government-backed loans, such as FHA and VA loans, it’s crucial to understand the pros and cons of each. Additionally, you may want to explore alternative financing methods, like jumbo loans or private money lending, which can provide more flexibility for non-traditional borrowers. Understanding the intricacies of Florida’s mortgage landscape well-equips you to make informed decisions and secure the keys to your dream home!

Unleash the potential of the Florida real estate market with the game-changing team at One Percent Guys Full Service Real Estate Pros. Our experienced Tampa seller agents and Orlando seller agents and buyers’ agents, have an unmatched understanding of the Florida market. Say goodbye to hefty commission fees with our signature 1% real estate approach, which puts more money back in your pocket. Let us demonstrate the power of our 1% real estate advantage and help turn your home buying dreams into a reality. We invite you to reach out to your friends at One Percent Guys Full Service Real Estate Pros today!

The Ins and Outs of Florida’s Home Inspection Process

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As you navigate the exciting yet often complex journey of buying a home in Florida, it’s essential to understand the crucial role of the home inspection process. A home inspection is a vital safeguard that can save you from costly surprises down the road. In Florida, it’s especially important due to the state’s unique climate and geography.

Whether it’s the scorching sun or the threat of hurricanes, Florida’s homes are subjected to harsh weather conditions that can lead to hidden defects and damage. A thorough home inspection can uncover issues such as termite damage, structural weaknesses, and faulty electrical systems, giving you the leverage to negotiate with the seller or even walk away from the deal if necessary.

Home inspections are typically conducted by licensed professionals who will inspect the property from roof to foundation, providing you with a detailed report of their findings. Your friends at One Percent Guys Full Service Real Estate Pros will guide you through the home inspection process, including reviewing the final report and negotiating resolutions with the seller.

Explore the Florida real estate market like never before with the experts at One Percent Guys Full Service Real Estate Pros. Our team of Tampa seller agents and Orlando seller agents, along with our experienced buyers’ agents, have unparalleled knowledge and insight into the Florida market. Additionally, with our unique 1% real estate approach, you can say farewell to high commission fees and hello to keeping more money in your pocket. Let us show you the power of our 1% real estate advantage and help you make your real estate dreams a reality. Take the first step towards a brighter future by contacting your friends at One Percent Guys Full Service Real Estate Pros today!

Tips for New Florida Homeowners

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The thrill of closing on your new Florida home has finally arrived! As you bask in the excitement of this major milestone, it’s essential to remember that the journey doesn’t end here. In fact, it’s just the beginning. As a new Florida homeowner, you’ll want to ensure a smooth transition into your new life in the Sunshine State. From navigating the subtleties of Florida’s unique climate to staying on top of maintenance and upkeep, there are several crucial post-purchase home tips to keep in mind.

The Tampa seller agents/Orlando seller agents and buyers’ agents at One Percent Guys Full Service Real Estate Pros are here to help you acclimate and enjoy your new home. First and foremost, take the time to get familiar with your new home’s systems and mechanics. Understand how to operate the air conditioning unit, identify the location of the main water shut-off valve, and know how to troubleshoot common issues that may arise. Additionally, be prepared for the possibility of hurricanes and tropical storms by investing in storm shutters, impact-resistant windows, and a reliable generator if your home is not already equipped with these.

Because of Florida’s warm and humid climate, it’s vital to establish a regular maintenance routine to prevent costly repairs down the line. This includes tasks like inspecting and cleaning your gutters, trimming trees and shrubs to prevent damage, and scheduling annual HVAC maintenance.

Are you considering buying or selling a home? Navigating the Florida real estate market can be overwhelming, whether you’re trying to sell your home or find your dream property. Complicated processes and hefty commission fees can make it even more stressful. Having a trusted local expert by your side, guiding you through every step of the buying or selling process while saving you money in the long run, can make a significant impact on your home buying and/or home selling experience.

The Tampa seller agents/Orlando seller agents and buyers’ agents at One Percent Guys Full Service Real Estate Pros know the Florida market inside and out. Our 1% real estate approach allows you to say goodbye to exorbitant commission fees and keep more money in your pocket. We welcome the opportunity to tell you more about our 1% real estate advantage. Let us help you turn your real estate dreams into reality – give us a call to learn more today!

BRIEF HISTORY OF MORTGAGE RATES

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Today’s potential buyers have been waiting for borrowing rates to come down before they purchase.

With the Fed’s resistance to lower the prime rate anytime soon, potential buyers are instead paying ever-rising rents when they could benefit from the tax perks of owning a home and instead of paying high rents to benefit the Landlord, they could be investing in themselves with that money. Here is a quick recent history of mortgage rates:

  • Oct 1981 – highest rates in history of 18.63%
  • 1990’s –the average rate was 10.13% but did dip to 6.49% in 1998
  • 2000’s – started out at 8.64%, the average in 2009 was 5.04%
  • 2010’s – the average in 2014 4.17%, 2019 4.94%
  • 2021 – rates lowered to historic lows 0% to 0.25% due to the Covid 19 Pandemic
BRIEF HISTORY OF MORTGAGE RATES

Today a credit score of 620 might get you a rate around 6%. And a person with a credit score of 760 might get a rate around 4%. So, is it wise to keep paying high rents when you could invest in yourself by owning a home? We believe it is wiser to invest in yourself and we are here to help you make it happen!

If you believe you need help getting your credit score up to get a better rate, we have a preferred lender who offers credit repair at no charge to you! Our preferred Lender has all the loan programs available and has in-house processing and underwriting for making quick closings happen for you! Even if you think you may not qualify for a home loan you may indeed qualify!! Your first step is to give Danielle at 1% Guys Tampa Bay a call to help you get started on your path to achieving your dream of home ownership!

Now is the Best Time to Purchase a New Construction Home!

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There are some great new construction opportunities right now, and your friends at One Percent Guys Full Service Real Estate Pros want to make your decision to purchase a new construction home even easier with our exclusive 2% rebate program. Yes, you read it right, a 2% rebate on a new construction home! This rebate will cover a large part, if not all, of your closing costs, thus saving you tons of money on your new home purchase.

If you already own a home and are thinking of selling so you can purchase a new construction home, we can help you with that as well. As we have discussed in previous articles, the seasonality of real estate can significantly impact your home sale. However, it’s also essential to review market conditions beyond seasonal considerations. Broader economic factors and the state of the housing market should also be considered. For example, a booming job market or dropping interest rates can attract more buyers and create a favorable environment for sellers.

Ultimately, partnering with a knowledgeable real estate professional such as the Tampa seller agents/Orlando seller agents/South Florida seller agents and buyer’s agents at One Percent Guys Full Service Real Estate Pros who have a deep understanding of local market conditions can help you navigate the complexities of timing and ensure your home sale is a success. It’s our job to advise you and help you along your home buying and selling journey! Our expertise, coupled with careful timing, allow you to proceed with confidence and make the most of the opportunities available to you.

The Tampa seller agents/South Florida seller agents/Orlando seller agents and buyer’s agents at One Percent Guys Full Service Real Estate Pros stand ready to help you with all of your real estate needs. We deal only in 1% real estate, which translates into more money back into your pocket.

Considering new construction? Don’t forget to read about our exclusive 2% rebate program for new construction homes. Allow us to represent you at no cost AND we’ll put extra money back into your pocket. Give us a call or explore our website to learn more about how One Percent Guys Full Service Real Estate Pros can benefit you today!

2% Rebate on New Home Builds in Tampa Bay

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One Percent Guys Tampa Bay just became the 2% Rebate Guys on New Home Builds in Tampa Bay!

One Percent Guys Tampa Bay just became the 2% Rebate Guys on New Home Builds in Tampa Bay

How can this help you? 

Well, for starters, this rebate allows for the builders’ incentives to either be used to buy down the rate of the home loan or be applied toward upgrades since a large part of the closing costs will be covered by our 2% rebate.

Builders offer anywhere from 10K to 30K in incentives to the buyer.

We will be giving the buyer 2% of the purchase price at closing, thus making the total incentives greater than the builder’s incentives alone.

Example

For example, if you purchase a new construction home priced at $550,000.00 with 20K from the builder in incentives, you can buy down the rate, ending up with a much lower than market rate. Thus, you will pay much less over the life of the loan and still have $11K of your closing costs covered by our 2% rebate. 

This new rebate program only applies to new construction homes.

If you are thinking of purchasing a newly built home from a builder, let One Percent Guys Full Service Real Estate Pros represent you. It costs you nothing AND puts extra money back in your pocket!

Selling Your Home During Summer Months

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Timing is everything in real estate. The Tampa seller agents/South Florida seller agents/Orlando seller agents at One Percent Guys Full Service Real Estate Pros will work with you to determine the most advantageous time for you to list your home. We are concluding our series of articles discussing different times of the year to put your home up for sale. Today, we will explore the advantages of listing your home during the summer.

Summer: The Season of Vibrancy and High Demand

As the weather warms up, so does the real estate market. Summer brings forth a sense of vibrancy and often translates into increased buyer interest and higher demand for homes.

Selling your home during the summer allows you to take advantage of various factors that positively impact the selling process. Since many people take summer holidays and vacation breaks, potential buyers have more time available for viewings and open houses. This increased availability can result in a higher number of interested parties visiting your property.

Families looking to relocate before the new school year also drive summer demand in the real estate market. Positioning your home as a great family-friendly option can attract buyers who are motivated to settle into a new home before the academic year begins.

Summer is also an excellent time to showcase your property’s outdoor features and amenities. From inviting patios and sparkling swimming pools to well-maintained gardens, buyers can envision themselves enjoying these spaces during the warm summer months!

The Tampa seller agents/Orlando seller agents/South Florida seller agents at One Percent Guys Full Service Real Estate Pros stand ready to help you get a maximum offer for your home. Additionally, our 1% real estate promise means more money back into your pocket at closing. We are the original one percent real estate firm, and we stand ready to help you buy your next home or sell your existing home. Give your friends at One Percent Guys Full Service Real Estate Pros a call to learn more today!