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Most of us only buy a couple homes during our lifetime. It’s an ever-changing and incredibly detailed process. This is why it’s so important to have the right people working for you. Did you know that as a buyer, in the state of Florida, you get my services for FREE! That’s right, the seller is one the pays the commissions, so you get a dedicated buyer’s agent working for YOU at no cost. Below I have put together some of the most common home buyer questions and misconceptions. 

Are you a 1st Time Home Buyer? I have developed an information packet just for YOU!  call/text 727-326-2963 to get your FREE copy. 

Pre-Qualification & Pre-Approval

  • I require my buyers to obtain a Pre-Approval Letter before scheduling showings, here’s why:

Pre-qualifying will help you in the following ways:

  • Generally, interest rates are locked in for a set period of time. You will know in advance exactly what your payments will be on offers you choose to make.
  • You won’t waste time considering homes you cannot afford.

Pre-approval will help you in the following ways:

  • Most sellers require a Pre-Approval letter be included with an offer for their home.
  • A seller may choose to make concessions if they know that your financing is secured.
  • You can select the best loan package without being under pressure. 

How much can you afford?

There are three key factors to consider:

  • The down payment
  • Your ability to qualify for a mortgage
  • The closing costs associated with your transaction. 

How To Buy A Great House

  • There are many factors to consider when selecting a neighborhood that is right for you. Below are just a few of the many factors — you may think of others that are important to you. 

Neighborhoods have characteristic personalities designed to best suit single people, growing families, two-career couples, or retirees.

Scout the neighborhood!

It is important that you scout the neighborhood in person. You live in more than your house.

  • Talk to people who live there.
  • Drive through the entire area at different times of the day, during the week and on weekends.
  • Look carefully at how well other homes in the area are being maintained; are they painted, are the yards well cared for; are parked cars in good condition, etc.

Neighborhood Factors To Consider

  • Look for things like access to major thoroughfares, highways, and shopping.
  • Listen for noise created by commerce, roads, railways, public areas, schools, etc.
  • Smell the air for adjacent commerce or agriculture.
  • Check with local civic, police, fire, and school officials to find information about the area.
  • Research things like soil and water.
  • Look at traffic patterns around the area during different times of the day and drive from the area to work.
  • Find out if the neighborhood is near parks, churches, recreation centers, shopping, theaters, restaurants, public transportation, schools, etc.
  • Find out if the neighborhood belongs to a Homeowner’s Association.