FIRST TIME HOME BUYERS IN SARASOTA
A a first time home buyer in Sarasota, the path to home ownership can be challenging and stressful, but it doesn't have to be.
My job as your Sarasota buyer's agent is to make the entire process as easy as possible.
FIRST STEP: TALK TO A LOCAL FLORIDA MORTGAGE LENDER
You will need to know from Day 1 of your Sarasota home search exactly what you can afford given your savings, current income, and expenses.
This is called mortgage pre-qualification, and once we start looking at properties, having a pre-qual letter in hand will be very important.
Berkshire Hathaway has a business relationship with EverBank. EverBank is a portfolio lender, meaning it may be easier for a first time buyer to get a mortgage qualification by EverBank than one of the big banks. They lend their own money and don't have to follow the big bank's rigid mortgage guidelines.
SECOND STEP: FIND YOUR BUYER'S AGENT
It costs you nothing upfront to hire a Sarasota real estate agent to help you find the right home and help you negotiate an offer.
As you buyer's agent, I will make sure you are prepared, and will advise you about what to expect during the journey to closing on your first Sarasota home.
HOME BUYER TOOLS
THIRD STEP: MAKE YOUR OFFER AND GET THROUGH ESCROW
We'll analyze information about recent sales in the immediate area, so you can decide on a realistic offer price.
Once you are ready to make an offer, I will prepare all the offer documents for you to sign, to be presented to the homeowner.
When you have an accepted contract that all parties have signed, I then arrange the home inspection and coordinate other activities with your lender, such as surveying the property for your mortgage.
At this point, do NOT make any new large purchases, like a new car, or open new credit accounts. Doing so will possibly prevent you from getting a mortgage loan for the price range you were expecting.
Want to rent, before you buy?
I am one of a handful of Sarasota area Realtors who is a certified Home Partners of America agent. Only certified agents may assist you in finding your next home through this program.
Are you close to being able to buy a home but aren’t quite ready? Did you just move to the Sarasota area and aren’t sure where you want to live? Do you need to rent right now but really want to buy a home in a couple years?
Learn more about everything available to you here to help you buy Sarasota real estate:
I am really glad we accepted the offer from your buyer. It's been a pleasure dealing with someone knowledgeable and reasonable.
Jeff M., Sarasota