Tami Savage, Realtor

Florida Real Estate

Financial Fundamentals for Homebuyers [INFOGRAPHIC]

By Tami Savage

Financial Fundamentals for Homebuyers. Thinking of buying a home? Here are some mission-critical steps to take before you begin your search. SAVE FOR YOUR DOWN PAYMENT. Contrary to common belief, your down payment could be substantially less than 20%. Start Saving now - you might be closer than you think! To-do list item: Automate your checking account to pull a portion of your paycheck into a separate house fund. BUILD YOUR CREDIT. Your credit score is one element that helps determine which home loan you'll qualify for in the application process. It also impacts your mortgage interst rate, so a higher score could lead to a lower monthly payment. To-do list item: Stay on top of your loans and make sure to pay your credit card bills on time. CONNECT WITH A TRUSTED AGENT. Real estate professionals help you make strong decisions throughout the homebuying process. They know the market and can guide you toward a sound investment. To-do list item: Let's connect to get your homebuying process started today. GET PRE-APPROVED. A pre-approval letter lets you know how much money you can borrow and helps you determine how much home you can afford. It also shows sellers you're a serious buyer. To-do list item: Contact a loan officer. Your real estate agent should be able to provide a trusted referral.

Some Highlights

  • When you’re thinking about buying a home, there are a few key steps to take before you even start to look at houses.
  • From saving for your down payment to getting pre-approved for a mortgage, you’ll want to make sure you keep your financial plan on track from the beginning.
  • Let’s connect today to make sure you have an introduction to a trusted lender and the best possible real estate guidance as you begin your homebuying process.

Things to Avoid after Applying for a Mortgage [INFOGRAPHIC]

By Tami Savage

Things to avoid after applying for a mortgage. Consistency is the name of the game after applying for a mortgage. Be sure to discuss any changes in income, assets, or credit with your lender, so you don't jeopardize your application. Don't change bank accounts. Don't apply for new credit or close any credit accounts, Don't make any large purchases. Don't deposit cash into your bank accounts before speaking with your bank or lender. Don't co-sign other loans for anyone. The best plan is to fully disclose and discuss your intentions with your lender before you do anything financial in nature.

Some Highlights

  • There are a few key things to make sure you avoid after applying for a mortgage to help make sure you still qualify for your loan at the closing table.
  • Along the way, be sure to discuss any changes in income, assets, or credit with your lender, so you don’t unintentionally jeopardize your application.
  • The best plan is to fully disclose your intentions with your lender before you do anything financial in nature.

Reasons to Hire a Real Estate Professional [INFOGRAPHIC]

By Tami Savage

Reasons to Hire a Real Estate Professional. Contracts: We help with all disclosures and contracts necessary in today's heavily regulated environment. Experience: We are well-versed in real estate and experienced with the entire sales process. Negotiations: We act as a buffer in negotiations with all parties throughout the entire transaction. Education: We simply and effectively explain today's market conditions and decipher what they mean for you. Pricing: We help you understand today's real estate values when setting the price of a listing or making an offer to purchase.

Some Highlights

  • Choosing the right real estate professional to work with is one of the most important decisions you can make in your homebuying or selling process.
  • The right agent can explain current market conditions and break down exactly what they mean for you.
  • If you’re considering buying or selling a home this year, let’s connect so you can work with someone who has the experience to answer all of your questions about pricing, contracts, negotiations, and more.

Winning as a Buyer in a Sellers’ Market [INFOGRAPHIC]

By Tami Savage

Winning as a buyer in a sellers' market. Buying a home in today's sellers' market doesn't have to feel like an uphill battle. WORK WITH A TRUSTED AGENT. We negotiate on your behalf and know how to help you craft a winning offer. We negotiate on your behalf and know how to help you craft a winning offer. We understand the terrain and can help you move quickly and efficiently. MAKE CONCRETE DECISIONS. Finalize your budget and stick to it. Prioritize your wish list (bedrooms, amenities, school district, neighborhood, etc.) DO YOUR RESEARCH. Use virtual tours before you see a home person. Learn about the area and local development plans. UNDERSTAND YOUR COMPETITION. Get pre-approved to show you're a serious buyer. Shop below your maximum price point, in case you enter a bidding war. Let's connect to make sure you're armed for a victory in the housing market.

Some Highlights

  • Buying a home in today’s sellers’ market doesn’t have to feel like an uphill battle.
  • Here are four ways to make sure you’re positioned for success when making a home purchase, even when the scale tips toward sellers.
  • Let’s connect to make sure you’re armed for victory in the housing market this season.

Let’s Connect

727-282-4390 (mobile)

Let me help you buy or sell your next home!

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