TEAM KAPLAN
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FEATURED LISTINGS
- 4 Beds2 Baths2,205 SqFt1/64 64Open Sat 12PM-3PM
- 1 Bed1 Bath650 SqFt1/36 36New
- 1 Bed1 Bath573 SqFt1/37 37New
- 3 Beds2 Baths2,254 SqFt1/63 63Price Dropped by $10K
- 2 Beds2 Baths960 SqFt1/33 33Active
- 1 Bed1.5 Baths800 SqFt1/38 38Active Under Contract
RECENTLY SOLD
TESTIMONIALS
- jennifer rightmyerShe’s the whole package! Our house was sold in a week and we received above our asking price!! You couldn’t ask for a better realtor and had our best interest at heart. We LOVE her like a daughter!
- Stephanie DouganI would like to thank Bernadette Wall for helping my sibling find the perfect home. Bernadette’s professionalism, tenacity, as well as her ability to really listen and see what the client is looking for is exactly the kind of individual this real estate market needs as an agent. She went above and beyond and was so kind to my sibling. I would definitely recommend her and will recommend her in the future.
- Tejendra SinghGood people
- Jess Taborjust wow! We LOVE our new place.. scott did ALL the work… made the entire process so easy and seamless. After a seeing a few places, scott got an idea of what i was looking for and absolutely nailed it on the head. 10/10 would recommend his services/team if you are looking to rent, buy, and/or sell!!!
- Invisible River Airfieldthis team had answers to every issue i created and got me thru the whole process fast and quick
- TELL THE TRUTHThe best home selling experience. They were extremely professional, caring, answered every question and responded to every phone call and text. If you're selling or buying this is the team to pick. They are an amazing group of professionals. Thank You 😊
- david hallerGreat agents Great Team!!!
- Luis SosaEven after we bought our home, Team Kaplan still keeps in contact and sends reminders. Awesome
- Chris PurserScott and his team helped us buy our first home. They really helped to educate us on the things we didn't know, about how to choose, what to watch out for and helped us really understand what we could or could not afford. Now we're in a great house in a neighborhood we love and we couldn't have done it without Scott and his team. Thanks Team Kaplan!
- Tina marie MastandreaAbove and beyond dedicated to getting me in my condo at record speed!!
- Edwin Contreras
- Amy HurleyI would highly recommend Scott and Cristina Kaplan. They are a GREAT team!! Very helpful, professional, and knowledgeable. Thanks for making the whole process go smoothly.
- Evan Johnson
- Mary K WulfScott and his team sold my mom's house quickly and professionally. They walked me through every step of the way. The communication was impressive, I never worried about a thing.
- Gissette MarreroScott found us the perfect home for our family. He is very attentive and comes through. He exceeded our expectation and we are happy with the process.
- Cassandra OharaI can’t say enough good things about this team. We purchased our home 5 years ago through them & it wasn’t the easiest transaction. They navigated it flawlessly, found us the perfect home, went above & beyond for our family. They are very real with their information & don’t just try to make a sale. They recommend the contractors for our home construction project also. We since recommended them countless times to family & friends, everyone, to each they have treated just the same. They are active in the community both their business & their personal lives. This crew became more like family than real estate agents. For that we are thankful.
- gfrancesbI needed to sell my house QUICKLY. Scott listed my house, sold it and closed on it in six weeks start to finish. He was constantly updating me and answered texts and phone quicker than my family does! He helped us find a perfect new home too! This is someone you can trust.
- LScott helped me buy my first home. We finally closed last week after 7 months of back and forth with different homes, and financing options. He kept me informed of any hiccups, but followed them with all possible solutions. He was relentless with negotiations!
- Michael MarreroI can not say enough about Scott. He’s a true professional and extremely knowledgeable. I was looking for my first duplex investment and thankfully I came across Scott because he truly understands the business. Scott provided me with ideas and recommendations that I could only imagine come from his many years of experience in the industry. Very happy to say that yesterday we closed on a property and soon we will be getting ready to look for the next property investment with Scott’s help.
- Michelle Lara-OteroWonderful service
- Pedro BarberaScott is very professional and just gets things done fast and simple. Strongly recommend.
- Rafael GruenbaumScott Kaplan & Associates did an amazing job in helping me find my first home. Thank you Scott!
- Manuel BarriosScott Kaplan helped my wife and i find our first home and he did a great job. He listened to what we we were looking for and also our budget and showed us many houses in that range. Since it was our first time buying a house Scott was able to educate us about some things we should look for when making a purchase. He was always professional, responsive and on time. We found a house that was perfect for us. I would definitely give Scott and his team my recommendation if you are looking to purchase a house in south Florida. A+
- Jade RyanI highly recommend this or oficient and knowledgeable staff. Scott Kaplan was attentive and efficient in assisting me with finding homes based on my personal needs. In addition, Kaplan and Associates has assisted friends and coworkers in finding rentals and homes to buy. Excellent service from a professional team.
MY BLOGS
New Home Mortgage Applications See 10.8% Annual Increase, Reflecting Strong Buyer Interest
In September 2024, mortgage applications for new home purchases increased by 10.8% compared to the same month last year, reflecting the ongoing appeal of newly built homes despite fluctuations in market conditions. The Mortgage Bankers Association’s (MBA) Builder Application Survey (BAS) shows that while applications dipped 6% from August to September 2024 (a common seasonal trend), interest in new home sales remains strong. Why New Homes Are Attracting Buyers "Despite a seasonal dip in applications, the year-over-year increase shows the continued interest in new homes," says Joel Kan, MBA’s Vice President and Deputy Chief Economist. He notes that new home sales are particularly attractive now due to lower mortgage rates and an increased inventory of newly constructed homes on the market. First-time buyers remain active, as evidenced by a rise in FHA applications, which nearly reached 29% of total applications. New Home Sales Estimates According to MBA’s data, the seasonally adjusted annual rate for new single-family home sales reached 680,000 units in September 2024—a 12.4% decrease from the August rate of 776,000 units. Unadjusted, MBA estimates indicate around 54,000 new homes sold in September, down from 60,000 in August. Types of Loans and Average Loan Size Breaking down the mortgage applications for new homes, the majority (61.2%) were conventional loans, followed by FHA loans at 28%, VA loans at 9.6%, and USDA loans at 0.4%. Notably, the average loan size for new homes grew slightly from $395,935 in August to $402,658 in September, marking a positive trend for developers and the market as a whole. How the MBA Builder Application Survey Helps the Industry MBA’s Builder Application Survey (BAS) offers valuable insights into application volumes from homebuilders’ mortgage subsidiaries nationwide. This data, combined with market assumptions, provides early estimates of new home sales trends, while official figures come from the U.S. Census Bureau based on contract signings, typically aligned with mortgage applications. For prospective homebuyers, the data reflects continued growth in new home options, with favorable loan programs supporting first-time buyers looking to build their path to homeownership. Source: Mortgage Bankers Association
Proactive Steps for Homebuyers: The Importance of Reviewing Your Credit Report
When preparing to buy a home, checking your credit report is a key step to ensuring smooth financing. Reviewing your report at least once a year helps keep your credit profile accurate and boosts your chances of qualifying for a mortgage with favorable terms. Understanding Your Credit Report Your credit report is a record of your financial activities, tracking how you handle credit, loans, and payments on accounts like mortgages, rent, utility bills, and credit cards. Banks, lenders, landlords, and even some employers check credit reports to assess financial responsibility. Essentially, they want to know: do you make payments on time, and are there any negative marks like late payments or bankruptcies? The three primary nationwide credit bureaus—Equifax, TransUnion, and Experian—compile and sell these reports. They also generate your credit score, which directly affects loan approval, interest rates, and other factors, such as down payment size. Why Your Credit Report Matters Because so many businesses rely on your credit history, accuracy is crucial. A clean, reliable report can positively impact mortgage approval and insurance premiums, while errors may raise your costs or even result in credit denial. Reviewing it annually, and especially before a major purchase like a home, can help catch inaccuracies early. Key entities that may request your report include: Lenders for mortgages, student loans, and credit cards Government Agencies that verify eligibility for aid programs Employers and Landlords for screening purposes Insurance and Utility Companies to determine rates or deposit requirements How to Access Your Free Credit Report The Fair Credit Reporting Act ensures that you can access a free copy of your credit report from each of the three major bureaus once a year. Staggering your requests (e.g., pulling one report every four months) can help you keep regular tabs on your credit. You can access your reports at AnnualCreditReport.com. What to Expect in Your Credit Report Credit reports from Equifax, TransUnion, and Experian contain: Personal Information: Name, birth date, address history, and sometimes employment data Payment History: Records of how consistently you pay credit cards, loans, and other credit lines Credit Usage: Total credit available, current balances, and usage patterns Debt Collection Details: Unpaid medical debts over a year old and over $500, as well as overdue utility bills Public Records: Bankruptcy filings, if applicable Credit Inquiries: Details on who has requested your report in response to a credit application If you're denied credit or face an “adverse action” based on a credit report, the company that made the decision should inform you and tell you how to obtain the report they used. This gives you a chance to review and dispute any inaccuracies. Final Tips for Prospective Homebuyers Reviewing your credit report annually and before applying for a mortgage or loan can make a difference in getting approved for the best rates. Taking this proactive step also helps protect you from identity theft and ensures that your credit report reflects your financial history accurately. Key Takeaway: Checking your credit report is free, easy, and can prevent roadblocks when you're ready to buy a home. Visit AnnualCreditReport.com to get started.
Best Florida Cities for Retirement Bliss
When it comes to retirement, Florida continues to be a top choice. WalletHub recently ranked four Florida cities—Miami, Orlando, Fort Lauderdale, and Tampa—among the nation’s best places to retire, thanks to low taxes and high-quality healthcare. Why Florida Ranks So High for Retirees Florida attracts everyone from celebrities to everyday retirees, who are drawn by its sunny climate, beautiful beaches, and favorable tax policies. WalletHub’s study compared over 180 U.S. cities using 45 key metrics, from cost of living to healthcare access and recreational opportunities. Florida’s appeal is evident: Orlando claimed the top spot, with Miami, Tampa, and Fort Lauderdale close behind in the top five. St. Petersburg also made it into the top ten, coming in eighth. Here’s a closer look at what each of these cities has to offer: Orlando: Trade Snow Shovels for Sunshine Ranked as the best city to retire, Orlando is a haven for retirees looking for endless recreation. With world-renowned theme parks, vibrant arts and dining scenes, and a wealth of shopping options, Orlando is like a permanent vacation. Average Home Price: $385,207 Cost of Living: 5% higher than the national average, but utility prices are 6% lower, and transportation costs are 4% lower. Healthcare Access: High ranking for gerontologists and home health care facilities per capita. Nearby Retirement Hub: The Villages, a popular 55-plus community, is less than an hour away, offering abundant amenities for retirees. Miami: Sophisticated Sun and Surf Miami ranks second on WalletHub’s list and is known for its cultural vibrancy and high-end lifestyle. While the average home price of $587,252 makes it pricier, the city offers ample activities that appeal to retirees. Volunteer and Leisure Opportunities: Ranks high in adult volunteer activities, art galleries, and fishing facilities. Walkability: Fifth most walkable city in the U.S., with easy access to public transportation. Beaches and Healthcare: Known for beautiful beaches and quality healthcare, Miami is a retiree’s paradise with plenty of outdoor and cultural activities. Tampa: Smooth Sailing into Retirement Tampa previously topped WalletHub’s list in 2023 and remains a popular choice, ranking fourth this year. With a moderate cost of living and rich recreational options, it’s a haven for retirees who enjoy a laid-back coastal lifestyle. Average Home Price: $385,903 Healthcare Excellence: Home to Tampa General Hospital, ranked as one of Florida’s top hospitals. Nearby Communities: Just 30 minutes away, Sun City Center offers a 55-plus community where retirees can enjoy affordable housing and golf-cart access to amenities, shopping, and medical facilities. Fort Lauderdale: Blending Luxury with Relaxation Fort Lauderdale closes out the top five with its blend of luxury and ease. The city offers various housing options, from waterfront homes to high-rise condos, though it has a higher cost of living. Average Home Price: $529,481 Healthcare and Recreation: Known for top-notch healthcare facilities like Holy Cross Health and a variety of marinas, golf courses, and fine dining options. Entertainment and Luxury: Enjoy horse racing at Gulfstream Park, or try your luck at the Seminole Hard Rock Hotel & Casino. Why Florida is a Retiree Hot Spot In addition to its 1,350 miles of coastline and 233 sunny days per year, Florida has no income, estate, or inheritance taxes, making it a financial haven for retirees. The Tax Foundation recently ranked Florida among the top five best states for tax climate, while states like California, New York, and New Jersey lagged behind. For wealthy retirees, Florida’s tax laws offer significant savings on estate taxes, a factor that has attracted high-profile residents like Jeff Bezos, who recently purchased multiple properties in Miami’s prestigious Indian Creek Village. According to WalletHub, while many Americans are concerned about affording retirement, choosing a city with affordable healthcare, recreational options, and opportunities for extra income can help ensure a comfortable and fulfilling retirement. Final Thoughts From low taxes to world-class amenities, Florida’s top cities offer retirees a welcoming, sun-soaked lifestyle with everything they need for a happy, healthy, and active retirement. Source: WalletHub