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Cape Gazette
Lewes, Delaware
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March 15, 2013     Cape Gazette
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March 15, 2013

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FRIDAY, MARCH 15 - MONDAY, MARCH 18, 2013 BUSINESS & REAL ESTATE Cape Gazette Edith Continued from page 41 buy for two years but would like to think we aren't throwing our money away on rent. If we can find a legit lease-to-buy, then we can go for financing after two years with a healthy down pay- ment. - G. Answer: Yes, some lease-to- buy arrangements are per- fectly fine. Don't enter into one without lots of input from your own lawyer, though. And look over the landlord/seller's credit record. You don't want to be in- vesting in a house that goes into foreclosure because the seller/ landlord doesnt pay the prop- erty taxes or mortgage. Hire a home inspector also, so you'll know of possible problems. Your written contract should state where your deposit and extra monthly charge toward down payment are being held. They shouldn't be mixed with the owner's own funds. If you decide not to buy, or can't ar- range financing, will you forfeit those funds? Maybe, maybe not, but whatever it is should be set down in the contractl Would you have the right to sell your contract to another would-be buyer, perhaps with the owner's right to approve or disap- prove? Who will be responsible for which repairs? Who will carry what insurance? Your real estate lawyer will have other suggestions. The management, agents and staff of Prudential Gallo Real- tors welcome sales agent Linda Huerta to its Lewes office. Originally from Michi- gan, Huerta has been a licensed Dela- ware agent since 2001. She moved to Sussex County in 1986 and is mar- ried and has Linda Huerta three grown children. Cur- rently, she lives in Milton; she loves coastal Delaware and working in real estate. "I really enjoy helping clients" find their perfect homes," Huerta said. "I work very hard to con- nect buyers with sellers; I do research on the market and, more importantly, I listen to my clients to understand their wants and needs. "The best part of my job is when people's faces just light up when I find them the perfect home! It's satisfying when I can assist in making the transaction go smoothly," she continued. "'Linda is such a hard-working, efficient sales agent," said Sandy Wright, broker and sales man- ager of the Lewes office. "We are really glad that she is joining our team!" Huerta is a strong believer in spending her personal time supporting activities benefiting others in need. She volunteered and supported numerous PTO and sports programs while her children attended school in'the Cape Henlopen School District. A 15-year breast cancer survivor, Huerta volunteers for the Ameri- can Cancer Society and actively supports fundraising efforts for the local chapter of the Multiple Sclerosis Society. To reach Linda Huerta at her 16712 Kings High- way office, call 302-645-6661, email or go to Caring for your European Import is our Specialty! D agnostic & Mechanical Service Specialist with over 25 years experience. 17475 Nassau Commons Bbd. Lewes, DE 19958 302-645-6410 Taxes overlooked at settlement The closing company has al- what went on. Dear Edith: I purchased and ready offered to pay the penalty But if this is something you because the taxes were late, but should have been charged at closed on a home a few months I am left with a big payment to closing, something you really ago, Recently, I received a letter make because of their mistake. I do owe, then an error at the from the local school district of course have all the documen- closing won't let you off the stating that the school taxes had not been paid for this year. The tation detailing their mistake on obligation to pay it. closing agent screwed up and the HUD-1. Any advice would be failed to add my portion of the appreciated. - via Edith Lank will respond personally to any school taxes in the closing costs. Answer: It's not quite clear question sent to So how do you know your "bargain" insurance isn't going to cost you big if you have an accident? Talk to someone who knows: a State Farm agent. We'll help you make sure you have the coverage you need while saving you money in the process. GET TO A BETTER STATE', CONTACT AN AGENT TODAY, Jeanine O'Donnell, Agent Eric Blondin, Agent 16583 Coastal Hwy 18958 Coastal Highway #2 Lewes, DE 19958 Rehoboth Beach, DE 19971 Bus: 302-644-3276 Bus: 302-645-7283 Www.lewes 1101235,1 . StateFarm WE ARE PROUD TO ANNOUNCE has been named SENIOR VICE PRESIDENT - COMMERCIAL BANKING Thirty-five years of community banking and lending experience we get it. 302.227.1855 Member FDIC