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Buyer's Guide

Your how-to-guide in leveling up your Real Estate property buying experience.

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A Florida native. I first fell in love with real estate in high school and it has been a passion of mine ever since, However, after college I pursued a different career in occounting ond worked up to a CFO level. After over a decade in that field, finally obtained my real estate license to fulfill dream! As a full- service agent. I specialize in helping sellers maximze their profits and help buyers get the of their money. I truly treat every transaction like it is my own and take great pride in delivering professional. friendly. ond valuable service to everyone I am locky enough to serve.

(352) 585-3332
[email protected]

Florida Heritage Real Estate Group

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With over 20 gears cf real estate advising experience bocking me, along with a network cf dedicated local professionals. I have the resources and tools to help turn gour dreams into reaLitg. om devoted to creating meaningful re'ationships ord bringing value to everything that do.

13957 7TH STREET DADE CITY, FL 35523

WWW.FLORIDAHERITAGEREALESTATE.COM

HOME BUYER'S ROADMAP

OUR PROVEN HOME BUYING PROCESS

Real Estate Terms

Testimonials

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  • Erin was truly exceptional! She hod a full price offer on our home in 4 days! We were impressed with her level of energy and knowledge about the market. The delivery of information she presented was straightforward and she had a clear strategy for marketing our home. Erin is well versed on disclosures, timelines. and closing documents. She kept everyone informed. Her promptness, knowledge of the market, strategic mindset, kindness, and energy made the selling process simple. We highly recommend her, and we will use her for future transactions.
    — Jessica & M.B.
  • We recently purchased our dream home with the help of Erin. and it couldn't have gone more smoothly. Erin was so knowledgeable and gave us sound advice, acted quickly, and made us feel confident and secure throughout the process. I would highly recommend Erin to anyone thinking of buying or selling a home.
    — Lauren H.
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FINDING A GREAT AGENT

A real estate agent is a huge asset to you as you go through the home-buying process. This is one of the biggest decisions of your life and you need aа skilled professional guiding you through the process.

As your agent, I will be working with your best interests in mind and can help guide you through all the stages of the home buying process. I am here to answer any and all questions and ease any stress you may have. We are in this together!

FINANCIAL PLAN

DETERMINE YOUR BUDGET

It is recommended that you stay within a budget of 2-4 times your annual income when purchasing a new home.

When determining your mortgage, don't forget other factors like: downpayment, insurance, taxes, home inspection costs, HOA, and renovation costs.

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How much should your downpayment be?

Most Common: 5%-20%

Work with your lender to discuss your options. Ask what programs they offer and determine what works best for you.

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CREDIT SCORE CHECK

Your lender willlikely perform a credit check prior to approving a mortgage and determining your interest rate.

A higher credit score can lower your interest rate and give you greater buying power.

PRE-APPROVAL

Obtaining a pre-approval on your mortgage will help you in many ways. First it will help you determine your budget, and help you stay within your means. Second it shows the seller that you are serious about purchasing a home and that you have the funds necessary to complete the purchase.

Although you are pre-approved for a loan, does not mean that you will be guaranteed this amount in your final mortgage. You will still have to be approved for a mortgage after you have submitted an offer.

It is important not to make any significant purchases or alter your credit score in any way during this time.

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HOME SEARCH

Now getting to the fun part! After discussing your wants and needs, I will set up a custom search for you in the MLS that will send you every available home that meets your criteria. From there, I will schedule showings, and we will go tour the homes you are most interested in.

HOME SEARCHING TIPS

  • Make a list of your must have, deal breakers, and wants. As you go through the showings, make sure you check off your must haves.

  • Take photos as you go through the open houses so you remember the layout and the feel of each house you visit.

  • Pay attention to features of the property that are fixed such as the neighborhood, the lot size, and the orientation of the home. Don't pay too much attention to the colors of the walls or the furniture.

  • Be sure to check out the small details like the light switches, water features, and appliances to make sure everything works.

Once you find a house you love, we can make an official offer to the seller.

Your Personal Preferences

OFFER & NEGOTIATE

UNDERSTANDING THE MARKET

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HOME INSPECTION

It is critical that we schedule the inspections you choose to have done as soon as we are under contract. This will ensure that we do not run out of time or have any delays in the process.

If anything serious comes out of the inspection, you have an option to back out of the agreement, or gives you more negotiating power.

TYPES OF POTENTIAL INSPECTIONS

  • Home Inspection
  • 4 Point Inspection
  • Radon Testing
  • Wood Destroying Organism Inspection
  • Foundation Inspection
  • HVAC Inspection
  • Mold Inspection
  • Lead Based Paint Inspection

The typical Inspection time period is between 7-15 days.

APPRAISAL & APPROVAL

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PROPERTY APPRAISAL

Your lender will also require a formal appraisal of the home prior to issuing your loan. If your contract is contingent on the appraisal, this means if the appraisal comes back lower than the negotiated sales price, then we will have an opportunity to negotiate the sales price once again.

Be sure to purchase home insurance for your new property!

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LOAN APPROVAL

The lender will review any and all financial related forms and information prior to granting the loan.

They will review details like:

  • Your income
  • Credit check
  • Employment status

Closing

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Closing is the final step for you to become the legal owner of your home. You will take a final walk-through just before closing to assure that negotiated work has been completed and everything is in working order.

A The closing process itself requires lot of paperwork and patience. Be prepared with your government issued photo ID, cashier's check (or wire), and any other documents required by the title company or loan officer.

Don't forget to re-key all the locks and change the garage door opener code when the property is officially yours.

Congratulations on your new home!

RESOURCES

HOME TOURING CHECKLIST

Let’s Make It Happen

Whether buying, selling, or renovating. Erin's energy and clear communication make her a trusted and inspiring guide in what she considers her true passion, not just a profession.

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Contact Details

ERIN STRUBLE

Phone

(352) 585-3332

Email

[email protected]

Address

13937 7TH ST DADE CITY FL 33525

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