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STORM SEASON
Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

How to Handle the Stress of Buying a Home

One of the most exciting times in a person’s life is when he or she purchases a home. While it is a very exciting time, it can also be a very stressful process. The experience is different for each person, and there are always emotional highs and lows involved in the process of purchasing a home. For example, a buyer may be ready to celebrate when the seller accepts an offer. However, the next weeks could bring great disappointment if an inspection shows some serious problems. Some sellers may be difficult to deal with. However, motivated sellers are often agreeable and friendly. There may also be problems with the title clearing, or a lien may be placed on the property. These are all issues that can cause a great deal of stress for buyers. When facing this process, it is helpful to divide it into three increments.

1. Start by reading a sample purchase agreement.

For many buyers, stress can start when they are completing a purchase agreement. If an agent does not offer a copy of such a document, it is helpful to request one. Read it carefully to better understand all of the terms. A good agent will also explain to buyers that purchase agreements with the blanks filled in will look different than the closing documents featuring empty lines. This is not a reason to panic. The agent will be able to help with reviewing the offer before it is submitted. Some of the most important points to read and understand include the following:

– Earnest Money Deposit
– Purchase Price
– Down Payment
– Closing Date
– Loan Terms
– Loan Amount
– Closing Cost Allocation
– Agency Relationship Disclosure
– Acceptance & Delivery Terms
– Contingencies

2. Be patient when waiting for acceptance.

Waiting for offer acceptance is one of the most stressful steps in the process of buying a home. In some cases, an offer may be accepted immediately. However, it may take several days in other cases. The quickness of acceptance often depends on the type of sale and how motivated the seller is. To combat this stress, it is helpful to call people who have bought their own homes. If this is not possible, discuss concerns with an agent. It is best to avoid putting too much focus on the unknown. Try picking up a new hobby or resuming an old one while waiting. Keeping the mind occupied is a good way to pass the time and reduce stress. If the offer is accepted, it is time to breathe a sigh of relief and brace for the next stressful point in the process.

3. Stay occupied while waiting to close.

Waiting for an approaching closing is stressful to all buyers. During this time, the lender may need more information or problems may arise. It is helpful to stay on top of what is happening. However, it is also helpful to avoid stress by keeping busy. A good agent will be able to predict problems and address them beforehand, which results in an efficient process and a quicker closing time. Keep in mind that agents want to get paid, so they will take on many burdens included in the process. If concerns arise, discuss them with the agent. Once the closing date has passed, the only stress will be the moving process.