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Goldsmith Team, REALTOR®, real estate agents  for Vero Beach, Sebastian and Ft. Pierce Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 800-404-9564.

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Ken and Diane Baily
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Mortgage Prequalification: Vero Beach, Sebastian and Ft. Pierce Florida home buying, real estate listings, and homes for sale in Indian River County, FL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Vero Beach, Sebastian and Ft. Pierce REALTORS® to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Tax Considerations >Taxpayer Relief

Legislation included in the 1997 federal budget made significant changes that improve a homeowner's ability to profit from the sale of real estate. The capital gains tax exclusions on the sale of a principal residence is just one of several benefits for homeowners. When you sell a home you have owned and use for two of the five years prior to the sale, married couples are allowed to keep up to $500,000 in tax-free profits and taxpayers filing as singles can keep up to $250,000 before paying capital gains tax.

Long-term capital gain is also taxed at lower rates as a result of the Jobs and Growth Tax Relief Reconciliation Act passed in 2003. The maximum capital gains tax rates dropped from 20% to 15% and from 10% to 5%, effective for sales and exchanges taking place on or after May 6, 2003 and through December 31, 2007. In 2008 the 15% rate continues for higher income taxpayers, while the 5% rate for lower income taxpayers drops to 0%, but only for the 2008 tax year. On January 1, 2009, the 10% and 20% rates will be reinstated.

Consult your tax advisor for advice regarding your particular circumstance.

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Real Estate Trivia
Q 
What are the financial benefits of having a home near a body of water?

A 
The mere presence of water within 300 feet increases a home's value by 22 percent.
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Goldsmith Team, REALTOR®, real estate agents  for Vero Beach, Sebastian and Ft. Pierce Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Goldsmith Team
All Florida GMAC Real Estate

2095 Indian River Boulevard
Vero Beach FL. 32960
Office: 772-473-6418
Email: frontdesk@allfloridarealty.com

Goldsmith Team GMAC Real Estate takes pride in putting honesty and integrity at the top of their list when hiring qualified Realtors as sales team members. Each Goldsmith team member is given ongoing individual and Team Training as well as Premium Service Training from GMAC Real Estate Head quarters. Call back schedules keep our customers in touch with the newest listings and great effort is put into tracking showing input on listed homes for the seller's advantage. As past missionaries Jim and Tanya Goldsmith understand the stress involved in selling or finding that next home. Their dedicated team of professionals desire to make the customers’ move much less complicated and more enjoyable whether it is across town or across the country.

Equal HousingMLSREALTOR


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