Buying a Home in New Port Richey Florida - What to Do First

Buying a home in New Port Richey Florida is an exciting and

important time in your life.  You want to find the perfect home with all of the features you want and need to accommodate you and your family.  My job as your real estate professional is to find you available homes for sale that fit your needs.  In order to do my job the best possible way, I require my home buying customers to meet me at one of our Florida Luxury Realty offices for your consultation.

Before we meet for our consultation, you should speak to a mortgage lender.  I have a list of local mortgage professionals that I can provide you.  The first step to buying  a home is to contact a mortgage professional and obtain a pre-qualification or pre-approval letter.  Your pre-qualification is very important and will tell us how much home you can afford.  Once we know how much you can spend on your home and how much you are comfortable spending we can have our initial consultation.

Once you have a pre-qualification you can start on your path

to buying a home in New Port Richey Florida.  Your initial consultation will cover how much home you can afford based on your pre-qualification and what type of funding you will be getting ( FHA, VA, Conventional) I need to know this information in order to write your purchase contract on your next home so getting pre-qualified is very important and you will not be looking at homes until that process is completed.

Following these easy steps will insure your home buying experience is not only easier but it will take you less time to find the right home because of the information I obtain from your pre-qualification and your consultation.  Buying a home in New Port Richey, Trinity, Port Richey or Hudson Florida is the single largest investment for you and your family.  I do not take this lightly and my job is to assist you in buying the right home.  If you or someone you know is interested in Selling or Buying a home in New Port Richey or Trinity Florida, Contact Me Today to discuss your real estate needs.

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.