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If you have decided to buy, DON'T GIVE UP !

Sometimes all it takes is a COMPLETE PERSPECTIVE.


The Goal is : to CLOSE!

The mindset is: NEVER GiVE UP!

Revise these 10 STEPS to help you achieve Home Ownership

Florida Housing will receive $100 million in additional Hometown Heroes funding beginning July 1st.2023

Florida Housing Finance Corporation

227 N. Bronough Street, Suite 5000

Tallahassee, Florida 32301

Phone: (850) 488-4197

Find out more about loan programs with Yanire Linares:

Make sure you know these 10 basic steps that involve the entire process and will require you entire attention

Step 1: Do Preliminary Research, be willing to explore new markets

Step 2: Consider the Price of the Home You Can Afford

Step 3: Obtain Mortgage Preapproval

Step 4: Find the Right Real Estate Agent

Step 5: Search for Your Home and Make an Offer

Step 6: Conduct a Home Inspection

Step 7: Work side by side with your Mortgage Banker

Step 8: Pay the Appraisal report

Step 9: Coordinate the Paperwork with your team of experts

Step 10: Closing date!!!

Step 1: Conduct a Pre-Search

When the opportunity presents itself, you should start looking every where!! at websites, magazines and newspapers that have real estate content. In addition, you should take note of the specific homes you are interested in and monitor how long they remain on the market. Note any fluctuations in prices. This will tell you about trends in real estate in specific locations. Monitor the Market!

Step 2: Consider the Home Price You Can Afford

Ussually lenders recommend that the Home price do not exceed their total earnings by a large margin (three to five times more). This is because if they plan to put 20% down, the remaining debt would be difficult to moderate.

However, it is critical to make this decision depending on your financial position. To determine this, you can use our affordability calculator to establish the type of home you can afford.

Check here

Step 3: Get Pre-approved for your Mortgage

Before looking for a home, it is critical to determine the amount you can afford to spend for that purpose. This is accomplished by getting pre-qualified for a mortgage. The requirements for pre-qualification are simple. You only need to provide your mortgage banker with some financial information. This information is in the form of your total income and the number of investments and savings you have accumulated.

As a result, the lender will assess your credibility and ability to repay and recommend the amount they can lend you. This information is crucial as it provides you with a range of the home you can afford at that time. Later, you can get pre-approved for credit. This means submitting your financial documents to the lender for review and verification of your financial status and creditworthiness. Documents presented to the lender include bank statements, pay stubs and W-2 forms.

Step 4: Find the Right Real Estate Agent

Before buying a home, it is important to find a reliable real estate agent, as he or she will provide you with all the information you will need to navigate the market . Real estate agents have impeccable negotiating skills, knowledge of the buying process, and are familiar with the areas in which you want to buy, which can be very helpful. The most crucial part is that by using an agent you do not incur any cost for hiring their services because it is the seller who pays the corresponding commission to the agent for the sale of the house.

Step 5: Look for Your Home and Make an Offer .

After deciding that you want to purchase a home within a specific price range, you can start visiting homes that fall within that price range. During this process, it's important to take notes, as it will give you a better opportunity to make an informed decision among the many homes you will see. It's also important to take photographs and record videos of the homes you visit to make it easier to make a decision in the end.

Evaluate the neighborhood !

Drive by the areas at different times of the day. Weekends and even when is raining.

Maintenance level of the houses on the block.

Amount of traffic on the street.

Parking space for your family and visitors.

Convenience of location –

availability of hospitals, schools, shopping centers,

public transportation,

parks, and restaurants.

Taking your time to review these aspects is essential as they play an important role in finding the right home. Working with your real estate agent is also important as they will negotiate a comparable price based on the availability of homes in the neighborhood. Once an agreement is reached on the price, the home goes into escrow, one of the final steps in the home buying process.

Step 6: Conduct a Home Inspection

Ideally, a property inspection is a necessary procedure when acquiring a property to determine any defects, damages, and repairs needed. Generally, the real estate agent assists with inspection services after the seller has accepted your offer. The inspection is crucial as it provides you with another opportunity to renegotiate the terms or withdraw your offer if the inspection report reveals significant damages.

Additionally, the seller and buyer receive a report detailing the findings of the home inspection, which you will use to decide whether or not you want the seller to make changes before reaching an agreement to finalize the purchase. When doing so, it's important to review the home to determine if the repairs were carried out.

Step 7: Work side by side with a Mortgage Banker

Lenders are known for their competitive loan rates and excellent customer service. For this reason, although you will have many questions when buying a home, you should seek the services of experienced and qualified mortgage bankers to provide assistance.

People have different priorities when buying a home. While some may be interested in keeping their monthly payments lower, others want to ensure that their monthly payments do not increase. Some may take out loans knowing that they will move soon.

Step 8: Appraise

the Home The lender coordinates a visit from an appraiser to estimate the value of the property. Although the appraiser is involved, they are a third party and do not have a close association with the lender. The appraisal ensures that you are buying the property at a fair price.

Step 9: Coordinate the Paperwork

Buying a home involves a lot of paperwork. The lender coordinates with the title company to handle the necessary paperwork to determine the rightful owner of the property.

Step 10: Final Walk thru Become a home owner!

Right before you go to your title company or get ready to sign your Final Documents you have to do a final walk thru to the house. It could be in person or your realtor can do it virtually with you on a video call.

Remeber to bring you ID to the closing table and be prepare to sign a lot of papers if you are financing your purchase.

If you are buying cash you will only sign a handfull of documents to finally become a proud homeowner!

Do not give up! You will see that every effort is worth it!


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