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First Step
The first step when buying a home is to get pre qualified by a lender. This way you know what you can afford, the maximum amount that the lender is willing to lend, and the loan program that will fit your monthly budget. It is always smart to shop around and get a good faith estimate from everyone. Try to get all your mortgage shopping done within a 3 week time period so that it will only count against you once on your credit report. Shop your bank and credit unions.
Here are a list of reputable lenders that I recommend:
1) Avenue Mortgage - Contact Sandra Gill at 727-669-8305 or 727-599-4087
2) Southern Trust Lending - Contact Jack Guffey at 888-253-6383, 727-525-4284, or 813-814-9726
3) Bayshore Mortgage- Contact Ray Lorenzo at 727-344-2210
4) Third Federal at 727-822-4331
5) Real Estate Partners - Contact Ken Schiff at 727-773-5273 or 727-786-5600
6) Wachovia - Contact Joe Person at 727-687-7729
7) Bank of America - Wha at 727-502-8326
8) Rutenberg Financial - Ed at 727-210-1071 ext 612 or 727-420-1172
Second Step
The second step is to find a reputable real estate agent. This will be your single most important decision before shopping for your new home. A good agent can mean the difference between closing a deal or losing a deal. A good agent will also protect your best interest and make sure you get the best possible deal. A bad agent is just worried about how much commission they will make or is just simply incompetent, which is even worse because this could cost you your escrow deposit and earn you a day in court with additional court cost. There is a big drop off in talent from the top 20% of real estate agents to the bottom 80% of real estate agents. So choose carefully because all agents are not created equally.
Why you should choose me to be your Buyer's Agent
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For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it's important that you have a Realtor on your side who is an expert in the St Petersburg area real estate market. |
As your agent, my focus is on getting you the best possible home at the best possible price. I will work hard not only in finding you potential new homes to see, but also in keeping you informed of everything that takes place. As your agent and a top expert in the local market, I'll negotiate the best prices and terms for you and answer all of your questions as they arise. I'll be representing you, not the seller. This assures that my experience and expertise in the local market will be used in your best interests during the negotiation process.
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As your agent, I will:
- Assure that you see all the properties in the area that meet your criteria. Not just those listed on the local MLS, but also many un-listed properties that I find through my local contacts and affiliations.
- Guide you through the entire process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home. As a real estate expert in this area, I help people negotiate and make home purchase decisions every day. I can help you avoid costly mistakes.
- Answer all of your questions about the local market area. Not just about homes for sale, but about schools, neighborhoods, the local economy and more.
Let me help you find a deal on your dream home and assure your best interests are protected throughout the entire process. Feel free to call or e-mail me with any questions you may have at any time. Fill out this form and I'll get back to you right away. |
Home Buyer Guide
Get a free MLS search account with hot sheet updates and other powerful real estate agent tools that will allow you to get detailed MLS homes for sale information. All you have to do is just fill out the form below and type Listing Book in the comment box. It will take 24 hours to get your personal account all set up and than you can start searching like a real estate agent.
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Today's Rates:
| 30-yr Fixed | 6.52% | 6.73% | | 15-yr Fixed | 6.07% | 6.39% | | 1-yr Adj | 5.18% | 6.43% |
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