BUYING A HOME

Buying a home is a significant financial decision and planning ahead is essential. Here are some steps and considerations to keep in mind if you are planning to purchase a home this year. Determine your budget and ask your trusted advisor about lenders that can help you. They can determine on how much house you can afford, they will consider your income, savings and any debt or financial obligations. Save for a down payment which in some cases can be 3.5% to 20.0% of home value. If 20% down you will avoid private mortgage insurance and qualify on better loan terms providing you meet qualifications. Today millennial's have excellent home buying power, click link to learn more /MILLENNIAL-HOME-BUYING-POWER---32819---32836---Dr--Phillips-6-23586.html

Get pre-approved for a mortgage before you start house hunting, this will give you a clear idea of your budget and make A good credit score is crucial for obtaining a favorable mortgage loan. Review your credit repost and address any errors and work on to improve if necessary. Determine your housing needs, identify your priorities and preferences in terms of location, size, amenities and other factors. Search out neighborhoods and consider schools, work, transportation, shopping and hospitals. Click link to learn more about the true value of homeownership /TRUE-VALUE-OF-HOMEOWNERSHIP---32819---32836---Dr--Phillips-6-25612.html

Also keep in mind, waiting for lower interest rates may not be worth it. Something to really think about.  Get in the game, gain equity for your next house.

REAL ESTATE AGENT 

 A real estate agent and trusted advisor is a licensed professional who represents buyers or sellers in a real estate transaction and many key roles. Market expertise, property search, negotiations, networking, guidance and closing the deal. Once you are pre-approved if not already, you need a real estate agent that is knowledgable of your area where you decide to live. Consider hiring a reputable and professional real estate agent that can help you navigate the home buying process, find suitable properties and negotiate on your behalf. Click link to learn more about professional realtors /PROFESSIONAL-REALTORS---32819---32836---Dr--Phillips-6-26417.html

TRUSTED ADVISOR

As a trusted advisor, professional realtor and retired military veteran I am here to serve you and always on the pulse of the Dr. Phillips and Central Florida area whether it's for the sale or purchase of your home. Always stay in tuned, educated and connected in this volatile housing market. In the absence of trustworthy up to date information whether it's a housing crisis or local housing market, real estate decisions are increasingly being driven by fear, uncertainty and doubt. We as trusted advisors drive the real estate community and always preaching the truth of real estate. I emphasize that education is a must for the community to ensure you are making the right decision.

Part of my job is to keep you informed and educated about the local housing market trends, to include common terms and videos. It is important to keep you up to date on the housing market trends, don't get confused with the media, they talk national level. I can provide the most up to date local area data.

Don't let this shifting housing market delay your dreams, data reveals home values typically appreciate over time and that gives your net worth a nice boost. When you are getting help with a home, look for your realtor with the heart of a teacher. If you are ready to start your journey, contact me today at 850 496-6412 to help begin a new walk to homeownership and all your real estate needs. Always taking referrals.