Our Top 5 Tips for Home Buyers in Pasco county Florida

Buying a home is an exciting time in your life and you may have a lot of questions along the way.  Having the right real estate professional on your side is always a smart decision.  We know the home buying process can seem a little scary so we wanted to share our Top 5 Tips for home buyers in Pasco County Florida.

1 - Call a few Realtors and interview them for the job of helping you buy your home.  The home buying journey is not a one day relationship and you will want to be sure you click with your real estate agent.

2 - Contact a mortgage professional. Your Realtor can suggest a few trusted professionals to call. See why the #1 step is to call a Realtor? Your mortgage pre-approval is Paramount when buying  a home. Your home loan will dictate the style, condition and market value range home you will be buying.  Without it, you are just wasting your time looking at homes that may not fit your mortgage loan criteria. 

3 - Have a sit down consultation with your Realtor. Discuss what you Need in your home and what you Want in your home. Finding everything you want in any one home is pretty much impossible to make a list of wants you are willing to trade off to get what you need.

4 - STAY AWAY from Zillow and Trulia and Even Realtor.com. Your Realtor will send you homes to look at online.  These homes are AVAILABLE to purchase and are given to you directly from the MLS. Zillow and Trulia are notoriously inaccurate and a huge waste of time.  Let your Realtor do their job and save you time.

5 - Look at the Data and Know Your Contract. Your Realtor will provide you with as much information as possible about the home you want to purchase. Look at the comparable sales when making your decision on how much to offer and read all the disclosures. I recommend you know what your inspection period is, what your timeframe is to review home owner association documents and your loan commitment deadline. Remember, in Florida only you and the seller are parties to the contract and you are responsible for adhering to your deadlines.  We provide you with a timeline so you know what you need to do during your escrow. 

West Pasco County Florida is a great place to live. Located on the Gulf of Mexico with local beaches, waterfront dining and lower property taxes, you can truly live the Florida Lifestyle here in Pasco county. 

Buying a Home in New Port Richey Florida requires a Mortgage Pre-Qualification

Buying a home in New Port Richey Florida requires a

mortgage pre-qualification from a quality and experienced mortgage professional.  Hiring the services of a well respected and highly ethical mortgage professional who uses the services of a local appraiser that knows how to properly value property in New Port Richey or Trinity Florida.

Working with home buyers in New Port Richey Florida, I will frequently be asked to refer mortgage professionals to my customers.  I can put you in touch with a few mortgage professionals that I know and trust and you can decide which mortgage person you have the best connection with and you feel you would be comfortable working with throughout the home buying process.

When buying a home in New Port Richey or Trinity Florida

(or anywhere else) you will need to have a consultation with your real estate professional and during our consultation we will discuss your mortgage needs and whether or not you need assistance in finding a mortgage professional.  During our consultation we will also discuss what you can expect during the home buying process as well as what you need and want in your new home.  

To schedule your home buying consultation please contact me.

The Gulf Home Sales Team - "Moving You Forward"

Knowing Your Mortgage Lender is Honest and Reliable is Important when Buying a Home in New Port Richey Florida

written by Michael J. Gallo

When buying a home in New Port Richey Florida, it is

important to know that your mortgage lender is honest and reliable.  In order to know who is handling the funding side of your home purchase you should ask your Realtor® to recommend 3 mortgage lenders that they know and trust.  Your Realtor® has a large resource for finding quality lenders who will work hard for you to get your home purchase funded.

The largest part of the home buying pie is your financing.  You will need to speak to a mortgage lender before you head out to shop for a home.  Your Realtor® will require you obtain a prequalification letter from a reputable lender prior to seeing any homes.  The reason for this is to know for sure based on the findings of a licensed and experienced mortgage lender how much home you can afford.  Once you know how much home you can afford, you can begin looking for a home that fits your needs and is also well within your price range.

Knowing that your mortgage lender is honest and reliable will

 make your home buying experience much more pleasurable.  If you do not know a mortgage lender personally, then you would be wise to ask your real estate professional for a list of mortgage professionals that they trust.  You can then call the lenders on the list and see which one you are most comfortable

with.  You may want to also verify if the lenders your agent refers to you are affiliates of the local board of realtors® or chamber of commerce.  True real estate professionals are members of your local board of Realtors® and as affiliate members of the board these professionals are held to a higher ethical standard than non members.

If you or someone you know is in need of a real estate professional in New Port Richey or Trinity Florida, contact me today.