Using today’s latest technology, we have proven to get you the results you want. Our top producing agents are hand-picked to give you the personal service that will make your transaction close quickly and with less stress.
If you are purchasing a home, whether your first, last, or just your next we have access to every piece of property available in the Tampa Bay area, including Pinellas, Hillsborough, Pasco and Hernando Counties. We can help you get educated as to the values, the available mortgage programs, special financing incentives and help you negotiate your best offer for the home of your dreams.
If it is time for you to sell your present home, we will help you evaluate your home from a prospective purchaser’s point of view. We will make recommendations for any changes or improvements you may wish to complete before we show your home, and we will teach you how to stage your home for your best possible outcome, selling your home for top dollar! And, of course, help you with pricing your home correctly and getting all the paperwork and inspections completed on time, to get your home sold and closed!
The first step in the home-buying process is to find an agent you feel comfortable working with on what will likely be the largest financial decision of your life. Ask friends and family members for referrals, and interview several real estate agents.
Once you’ve chosen a real estate agent you trust to be your advocate, ask him or her to recommend lenders, either an organization or a person who will lend you money so you can buy your home.
A local Realtor® has experience working with mortgage brokers and title companies and can recommend lenders. Choosing someone to handle the financial part of the home-buying process can feel like a scary step, but choosing a lender that’s competitive on rates, communicative, and available is key.
“Often mortgage companies consider you a file, not a human,” says Hattaway. “And if they aren’t available on the weekends or evenings, trouble can ensue.”
Now that you have a great lender, you can ask for guidance on any credit score issues you may be facing. Whether it’s a small or large problem, the lender can provide guidance to help repair your situation and make sure you’ll be approved for a loan.
A lender will help you determine exactly what you can afford and, therefore, which houses you should be considering. To arrive at a purchase price, you’ll factor in expenses like homeowners insurance, association dues, and utilities to make sure you can comfortably make your mortgage payments. The lender will then identify the total amount of money it’s willing to lend you.
Once you know what your purchasing power is, talk with your real estate agent about your ideal home. Come up with a few “musts,” as well as “wants” you’d ultimately be willing to compromise on. Think bigger than just the color of the kitchen or the floor plan, advises Hattaway.
For instance, do you want to be within walking distance of restaurants? Do you want space between you and your neighbors? Or is proximity to a good school the most important factor?
Now comes the fun part: search for homes that meet your parameters. When you begin touring homes that are on your short list, take along a notepad and jot down your thoughts as you approach each home. Can you imagine yourself living there?
Your real estate agent will walk you through the steps required to make an offer on a home in your area.
“Your offer will likely include earnest money that will apply toward your down payment on the home and may include contingencies such as hiring a home inspector,” says Frank. Expect some negotiation, and discuss a competitive offer with your agent.
Step No. 9: Do your due diligence
The due diligence process usually includes getting a home inspection to make sure you haven’t missed any hidden problems on your walk-throughs. If issues are found, negotiate for the current owner to fix them or take the cost of repair off the closing costs.
Once all of the above steps are completed, you’ll be on your way to the closing table. This is when the deed to the home is transferred from the seller to the buyer. Every transaction varies, but plan to sign a ton of paperwork. An attorney or settlement agent will guide you through the process. Then you’ll officially be a homeowner and receive the keys to your new home. Congrats!
If you want fast, professional results, give us a call today!
Over twenty years of experience helping people just like you, buy and sell quickly!
If you have any questions or would like to find the perfect realtor, contact Ameritech Realty.
Greta Monty, LCAM
727-726-8000 Ext. 254