La Cita Group and Jean Kelly

321-385-3121 (Cell 321-759-4447)

BUYERS or Sellers

Step 1, Get Your Finances in Order

Your credit reports are an ongoing look at how you manage your finances. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you.

If you haven't looked at your credit reports, you might be surprised at their contents, because errors are common.

Step 2, Get Familiar with Mortgages

Finding the right loan and lender is most important to your home buying success.

It's up to you to determine which lender is best for you, and it's always a good idea to have at least a bit of background about the loan process before you talk to a lender.

Step 3, Get Pre-Approved for a Mortgage Home Page

Do you know how much house you can afford? Probably not, unless you've already discussed your finances with the lender of your choice.

Pre-approval helps you in other ways. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from the buyer's bank that states she is pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which offer do you think the seller will consider first?

Step 4, Determine Your Wants and Needs

Buying a home isn't as difficult as you might think, even if you're short on funds, but the process will go a lot smoother if you get familiar with your real estate market and narrow down your wants and needs before you start looking at houses.

Step 5, Learn to Work with La Cita Group and Jean Kelly, top producer

I will represent you. My responsibility is to you, the buyer. Just give me a call at 321-759-4447.

Step 7, Handle Pre-Offer Tasks

Deciding whether or not you want to buy a house involves a look at its structure and its features, but there are many other topics that are every bit as important to your purchase.

A long time ago, agents used to call contingencies weasel clauses. That's because a contingency would let buyers weasel out of a contract. That is, to cancel a contract without penalty, meaning buyers would get back an ernest money deposit upon cancellation.

The types of contingencies vary from state to state. Your state might make a big deal out of a home inspection, for example, because it could cost many thousands of dollars to replace a faulty roof, or structural problems.

Step 8, Make an Offer

There's no one set of instructions that can cover all the differences in real estate laws and customs that exist throughout the United States, so the mechanics of making an offer and its specific contingencies depend greatly on your location. However, there are some home buying tips that can help you fine-tune your offer, no matter where you live.

Step 9, Home Inspections and Other Tests

In some states, home inspections are accomplished before the final purchase contract is signed. In other states, inspections take place after an offer is finalized. No matter when you do them, it's critical to decide which inspections and tests you want to perform.

Talk with your real estate agent or other advisor to find out when inspections should be handled and if additional types of testing are important for your specific area.

Step 10, Avoiding and Correcting Last Minute Problems

As your closing date nears, everyone involved in your real estate transaction should check its progress on a daily basis, because staying on top of things means you'll know immediately if there's a problem that must be dealt with. Here's a bit of information that focuses on a few common problems that home buyers must deal with before they close on a house.

Step 11, You're on the Way to Closing

Most of your home buying problems are behind you now and you're on your way to closing, also called settlement, the event that transfers ownership of the property to you. Just a few more things to learn, a few more things to do, and you're there!

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Selling in a Falling Market

When real estate prices fall and more than six months of inventory remains on the market, the market is (take your pick):

Whichever term you choose, it doesn't matter. What matters is the fact that people still buy and sell. The market hasn't come to a crunching stand still. You simply adjust to the market. Those who don't will get squished.

Strategies for Slowing Markets

If you are a seller, shoving a For Sale sign in your front yard isn't going to help much. Nor is plopping the listing into MLS. You've got to be aggressive and make your home stand out like a shining star among the hundreds of others on the market. Whether you plan to hire an agent or you want to sell your home yourself, you can use these strategies to sell quickly and for more money in a depressed market:

Here's how to make it sparkle and twinkle with that come-hither-and-buy-me look

De personalize your home. Put away family pictures and remove clutter.

Make sure everything is clean and sparkling

Price it right the first time. Everyone believes their home is worth what it would have fetched in 2006. Don't go there. Your neighbors, unless they are realtors or brokers very likely will inflate the price as well. Talk to a realtor and have them do a Comparative Market Analysis, pricing your home at the point that similar homes in a similar neighborhood have sold for in the past six months

Call Jean at 321-385-3121 for a no nonsense, no obligation listing appointment.

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