Courtesy of
Mindy Dougherty
REALTOR®
(727) 314-5553 (Direct)
(727) 531-2006 (Office)

              

Choosing the Right Mortgage Lender
Picking a mortgage lender is a big decision. After all, they'll be handling what's likely the biggest transaction of your life (not to mention managing your loan for decades to come). 

Want to make sure you choose right? Here's how:
  • Ask for referrals from friends, neighbors and your agent.
  • Read reviews on each lender you consider. Check with the Better Business Bureau, Yelp and Google.
  • Compare rates and closing costs. Make sure you're comparing the same things, too.
  • Speak with Lenders about your financial situation and goals to see if they are able to provide programming that you may need and not even know about. 
  • Look beyond costs. Consider their reputation, average closing times and even how easy/digital their process is.
Make sure to ask your agent, too. They'll know highly-rated lenders in your area.  This is so important! The lender and agent should be in regular communication throughout the process and having an agent/lender relationship that is established can make the process move along with ease.
The Dangers of Buying a Home without a Realtor
Considering buying a home without an agent's help? While it is possible, it's certainly not in most buyers' best interests. 

Going solo with a home purchase often means:
  • Paying more than is necessary, due to limited market knowledge and negotiation skills
  • Knowing what documents and information are needed to properly execute the contract.
  • Costly contract errors, particularly if certain contingencies are left off
  • Contract timeline tracking to ensure all deadlines are met
  • Missed properties, especially with pocket listings and other up-and-coming homes
  • Difficulty finding vendors, like home inspectors, mortgage lenders, title agents, etc.
  • Communicating with parties involved in the transaction, listing agent, title, lending, inspectors, insurance, appraisers, etc. 
Since agents typically schedule and lead showings, forgoing representation may also make it hard to tour potential properties you're interested in. Remember, buyer's agents are paid for by the seller; it can only hurt to go it alone.
 
Think about this... would you attempt to perform a root canal on yourself?
or let the professional that's trained in dentistry handle the process?
THINKING OF SELLING YOUR HOUSE?
Now is a great time!, Inventory is still low.
Let's talk!
Housing inventory in our market is still low.  But there are plenty of buyers out there just waiting for new homes to come on the market!  If you're thinking of selling, now is a great time.  Buyers are getting low interest rates and are eager to offer on a great home that's priced right! 
 
When I help sell your home I will donate a portion of my commissions to the Children's Miracle Network Hospitals, making your house a Miracle Home.  
 
Reach out with any further questions on the process of selling.  My goal is to make it as easy for you as possible so you can focus on your next move. 
Selling Your Home: How it All Works
Thinking of selling your house? 

Here's what you can expect from the process:
  1. You'll meet with a listing agent to talk about pricing and timing.
    1. As your agent, I will do extensive research on your house and the market accordingly to price to accomplish your goals.
    2. Listing paperwork will be prepared to ensure sale is in compliance with all real estate regulations
  2. Your agent will list the property on various platforms. He/she will then coordinate showings with potential buyers.
    1. Photos taken, sign placement, measurements, lock box install, staging, schedule open houses
    2. Promotions, marketing, showcasing the features of your house, to find a new owner.
  3. You'll evaluate offers as they come in and negotiate counter-offers through your agent. Once you come to an agreement, you'll sign the contract.
  4. The buyer will order a home inspection, and their lender will order an appraisal. 
    1. Check with your agent to see if they attend these appointments
  5. Once the buyer's mortgage is approved, you will sign your papers and finalize the deal.
Always ask your agent if they order professional photography for their listings.  This is key!  Professional photos can lead people to or away from listings.  If photos aren't done right you risk losing buyers before they even have a chance to see your house. 
Electronic lock boxes are another must have that not all agents provide.  Ask your agent if they use ELB's and if they require a code for access or just allow agents to come as they please.  As a seller it is ideal to know how many visitors your house has and who they are.   Never sell your home with a coded lock box that can be shared!
Please reach out with questions.
Mindy Dougherty
SL3382375

RE/MAX Action First
410 South Lincoln Avenue, Clearwater, FL 33756
Each Office Independently Owned and Operated.
©2019 Imprev, Inc. Pub 9/19