Greater St Petersburg, Florida

A great place to call Home!

Welcome to my St Petersburg First Time Home Buyer page!

The St Petersburg area is a perfect choice for your first home purchase. But, before you can unlock the door to homeownership, you have to take some important first steps. From finding the perfect location to financing your purchase, shopping for your first home has challenges that go beyond curb appeal and interior features. If you follow the steps below, your St Petersburg first time home buyer experience will be a success.

Buying Your First Home

A step by step guide.

As a first time home buyer you may tempted to start looking for houses right away! While that’s fun and gives you some insight into home prices, it doesn’t do anything to move you forward in the process. So what’s should be your first step?

1.) Create a Budget and Start Saving!

Most St Petersburg first time home buyers won’t qualify for zero down financing and even if you do, there are many other expenses involved in purchasing a home; especially your first home.

Download this infographic on Home Buying Myths!

2.) Decide What You Want and What You Need!

What you want in your first home and what you need are are not mutually exclusive, but you are, most likely, going to have to compromise between the two lists in order to fit your budget.

3.) Choose an Experienced Real Estate Professional!

I know… Zillow is cool! But, it’s only an advertising platform! Zillow does not exist to represent you. It’s only purpose is to make money. You need an experienced professional to represent you. The right one will save you time, money, stress, and provide support and guidance from first contact to closing and beyond (Must Read Article: Top 10 Reasons to Hire a Buyer’s Agent!).

4.) Apply for Financing!

Unless you are among the few lucky enough to be able to pay cash for their first home, then you need to get approved for financing right away. Since the real estate market crash in 2008, it has become significantly more difficult to acquire home financing. As a St Petersburg first time home buyer you must have a pre-approval letter for financing in hand as soon as possible. Without it, most sellers won’t consider your offer.

Why is that?

Download this infographic on the Mortgage Process.

5.) Tour Homes For Sale!

Finding the perfect home is the best part of the process. It’s fun and exiting to search for that perfect home. It’s also time consuming and you only have so much free time. The best approach is to determine what you want in a home versus what you need in a home and be prepared to compromise (Must Read Article: 4 First Time Home Buyer Mistakes to Avoid!).

6.) Make An Offer!

Making an offer requires knowledge of the market an experience in negotiating. It not like on TV! Unless your making a full price cash offer negotiating is part of any home purchase and can often drag on for days. Arm yourself with good representation to get the best deal you can and avoid the stress.

7.) Contract To Closing!

It’s not over yet. As a matter of fact, the period between successfully negotiating the contract and actually closing and owning your home is the most complex and stressful. There are many steps involved in the closing process. Exactly which ones depend upon the type type of contract used, the type of property, method of financing, and various contingencies within the contract. Earnest money deposits, title and lien searches, property survey and appraisal, inspections, loan underwriting, acquiring insurance, and keeping on schedule to close within the time frame set out in the contract.

8.) Home Ownership!

St Petersburg First Time Home buyer Advanced MLS Search!

We look forward to hearing from you and look forward to being your St Petersburg first time home buyer agents!

Selling St Petersburg Home Page

Home Buyers Guides and Cash Rebate Program

FREE GUIDES & CHARTS

Free Millennial’s Guide to Home Ownership.

Infographic: Why Millennials Choose to Buy a Home.

Free 2017 Home Buyers Guide.

Infographic: Today’s Home Buyers.

Free Principal and Interest Payment Chart.

HOME BUYER REBATE PROGRAM

I’m pleased to announce our Home Buyer Rebate Program which puts money in your pocket at closing when you work with my team and I to find and purchase your first home.

We look forward to hearing from you and look forward to being your St Petersburg first time home buyer agents!

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The St Petersburg first time home buyer information source.