Luda Vernet . All things Real Estate

Luda Vernet . All things Real Estate Luda is an accomplished HR professional who is now in the real estate industry, bringing her strong interpersonal skills and dedication to helping others.

The focus is guiding clients through the real estate process, ensuring they find their perfect home!

08/12/2026

|APPRAISAL GAP|

An appraisal gap happens when the homes appraised value comes in lower than the price you agreed to pay.

Why does that matter? Your lender typically bases the loan on the appraised value, not just the price you offered.

Example:

You offer $400,000 for a home.

The appraisal comes back at $380,000.

Now there’s a $20,000 gap between what you agreed to pay and what the home appraised for.

Depending on your contract and financing, you may have to renegotiate with the seller, bring additional money to closing, or potentially walk away if you have the appropriate contingency.

Just because your offer is accepted doesn’t mean the deal is completely done. The appraisal can still play a BIG role in what happens next.

Comment a real estate term you’ve heard but never understood!

Follow for Part 10 of “Real Estate Terms Nobody Explains”.

07/31/2026

Here’s the biggest thing I hear from buyers.
“I’m just waiting for interest rates to drop.”

And I completely understand why because those 2020 rates were incredible. But the reality is, we may not see rates return to those historic lows again.

While you’re waiting, a few things can happen…

Home prices may continue to rise.
You could miss out on building equity.
Your future buying power could change if rates, prices, or your finances shift.

The truth is, there’s no perfect time to buy!

The best first step? Understanding your options. You may be closer to homeownership than you think.

Thinking about buying but not sure if it’s the right move? Let’s talk.

07/28/2026

House number 32 and still smiling… professionally. 😅😂

07/07/2026

| Homestead Exemption |

Homestead exemption is a benefit available to homeowners who use a property as their primary residence. It can reduce the taxable value of your home, which may help lower your property taxes.

Example:
You purchase a home for $400,000 and qualify for homestead exemption. Instead of your entire home value being used to calculate property taxes, a portion may be exempt from taxation.

The important part is you have to apply for it! It’s not automatically added when you buy a home.
If you recently purchased a home in Florida, make sure you’re filing for homestead exemption by the deadline with your countys property appraiser’s office.

Comment a real estate term you’ve heard but never understood!

Follow for Part 6 of “Real Estate Terms Nobody Explains”.

Luda Vernet - REALTOR®️
Madison Allied LLC
561-929-0680
[email protected]

Address

Port Saint Lucie, FL

Telephone

+15619290680

Website

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