Central FL Homes for Sale

For Buyers


 Buying a home is an exciting time in one's life. Making the smart move of choosing a Real Estate Agent is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.


10 Steps to Prepare for Home Ownership

  1. Decide how much home you can afford. Generally, you can afford a home equal in value to between 2 and 3 times your gross income.
  2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.
  3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.
  4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 and 7 percent of the home price.
  5. Get your credit in order. Obtain a copy of your credit report.
  6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.
  7. Organize all the documentation a lender will need to preapprove you for a loan.
  8. Do research to determine if you qualify for any special mortgage or downpayment assistance programs.
  9. Calculate the costs of homeownership, including property taxes, insurance, maintenance, and association fees, if applicable.
  10. Find an experienced REALTOR® who can help you through the process.

As Your Agent, I Will:   

  • Assure that you see all the properties in the area that meet your criteria.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

  • Check your credit rating. Straighten out any errors before it’s too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
  • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a Real Estate Agent that you trust and who understands your needs.
  • Determine what neighborhood best matches your needs.
  • Identify important features you need your new home to have.

How Big a Mortgage Can I Afford?

Not only does owning a home give you a haven for yourself and your family, it makes great financial sense, too.

This calculation assumes a 28 percent income tax bracket. If your bracket is higher, your savings will be too.

Rent: _________________________

Multiplier: X 1.32

Mortgage payment:__________________

Because of tax deductions, you can make a mortgage payment-including taxes and insurance-that is approximately one-third larger than your current rent payment and end up with the same amount of income.

Closing Costs to Expect:

  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

10 Tips for First-Time Homebuyers:

  1. Be picky, but don't be unrealistic. There is no perfect home.
  2. Do your homework before you start looking. Decide specifically what features you want in a home and which are most important to you.
  3. Get your finances in order. Review your credit report and be sure you have enough money to cover your downpayment and your closing costs
  4. Don't wait to get a loan. Talk to a lender and get prequalified for a mortgage before you start looking.
  5. Don't ask too many people for opinions. It will drive you crazy. Select one or two people to turn to if you feel you need a second opinion.
  6. Decide when you could move. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area?
  7. Think long-term. Are you looking for a starter house with the idea of moving up in a few years or do you hope to stay in this home longer? This decision may dictate what type of home you'll buy as well as type of mortgage terms that suit you best.
  8. Don't let yourself be house poor. If you max yourself out to buy the biggest home you can afford, you'll have no money left for maintenance or decoration or to save money for other financial goals.
  9. Don't be naïve. Insist on a home inspection and if possible get a warranty from the seller to cover defects within one year.
  10. Get help. Consider hiring a REALTOR® as a buyer's representative. Unlike a listing agent, whose first duty is to the seller, a buyer's representative is working only for you. And often, buyer's reps are paid out of the seller's commission payment.

       

  Comprar una casa es uno de los pasos más importantes en su vida. El escoger un buen agente de Bienes Raíces es su primer paso para asegurar que su casa le vaya a satisfacer sus necesidades. Mis servicios y experiencia le ayudaran a encontrar la mejor casa para usted y su familia. Para su conveniencia, le voy a proporcionar también inscripciones por correo electrónico.

Como su agente, le voy a asistir:

  • Asegurar que usted vea todas las propiedades en el área que este interesado.
  • Lo voy a guiar en el proceso de encontrar la casa y además de conseguir el mejor financiamiento.
  • Asegurar que usted no pague demasiado por su casa y le ayudare a evitar errores costosos.
  • Contestare todas sus preguntas sobre el área, incluso las escuelas, los barrios, la economía local, y demás.

Antes de empezar a buscar su casa:

  • Verifique su evaluación de crédito. Corrija cualquier error antes de que sea demasiado tarde.
  • Determine un cómodo presupuesto mensual para su nueva compra.
  • Encuentre un programa del préstamo que satisfaga sus necesidades y sea PRE-calificado (preferiblemente PRE-aceptado).
  • Escoja un agente que usted confíe y quién sepa sus necesidades.
  • Determine qué ubicación sea la mejor para usted.
  • Identifique los rasgos importantes que necesite en su casa.

Los costos de cierre:

  • Las cuotas del prestamista incluyen los cargos para el proceso del préstamo.
  • Las cuotas terciarias incluyen los cargos para seguro, búsqueda del título, y otras inspecciones como las de termitas.
  • Las cuotas gubernamentales incluyen grabar el titulo en el estado y los impuestos locales de la hipoteca.
  • Las cuotas de interés incluyen el seguro de propietario, el interés del préstamo y seguro de la hipoteca.
    ____________________________________________________________
    For more Information Please Fill Out The Form Below And I Wil Contact You As Soon As I Can!

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    Chelsea Nevius