Buy with Top Central FL REALTORS® Matt & Chelsea

Buy a home in central florida

You need a dedicated buyer specialist on your side.

Given how the real estate market has been over the last couple of years, it can feel discouraging (and even impossible) to buy right now. And that’s on top of the usual complex process of contracts, forms, reports, disclosures and deadlines!

That’s why having a full-time REALTOR® on your side that specializes in helping families buy homes in our current market is crucial.

Our team of experts knows our local market in-depth, has access to all available properties for sale (and some off-market properties!), and knows what it takes to write and negotiate a competitive and winning offer for your dream home.

Not all agents are the same. Make sure to partner with a buyer specialist that’s looking after your best interests every step of the way.

What's a buyer specialist?

A buyer specialist, or a buyer’s agent, is a real estate agent that focuses solely on the entire process of helping individuals and families buy a home or other property (like vacant land).

They represent their buyer and work in their best interests in terms of offering and negotiating a fair price on a home (including competitive but fair contract terms), guiding them through the entire process, and navigating any special or unexpected situations that may arise.

Your buyer specialist will:

Work with you to identify properties that meet your wants and needs.
Create a customized search portal for you, as well as look for off-market homes that meet your criteria.
Communicate promptly and professionally with you and all other involved parties.
Write and negotiate the best and fairest deal that fits your budget and timeline.
Guide you through every part of the home buying process.
Handle all of the stressful parts of buying a home so you can focus on the joys of becoming a homeowner!

the home buying process

Pre-approval

We’ll connect you with our preferred lending partner, Lisa Meyer, to fill out an online mortgage application.
Gather the following documents to speed up your approval process:
- Last 2 years’ W-2’s
- Last 2 years’ tax returns
- Your most recent pay stub
- Last 2 bank statements

House Hunting (the fun part!)

Once we get your pre-approval amount, we’ll set you up on an automatic home search through the MLS (multiple listing service) based on your wants & needs.
- Let your agent know about any questions you have about a home or if you’d love to see it in person! You’ll also be able to mark your favorite homes to save them for later.
- You can still use your favorite home search apps/websites if you’d like. If you see a home you love, send the address/link to your agent so they can look it up and book you a showing!
Once you’ve found “The One”, your agent will guide you through the process of making an offer.

Under Contract

Escrow: You’ll have 3 business days after going Under Contract to make your escrow deposit.
Your lender will send you your initial loan documents and discuss your interest rate.
Inspections: We highly recommend all of our clients to hire a licensed home inspector. It’s money well spent. Costs vary by professional, but in our experience within our local market, these are the average costs per inspection type:
- Home inspection: $350-450
- Wind Mitigation (to get a potential discount on your insurance premium): $75-100
- WDO (AKA termite inspection): $75-100
- Septic Inspection: $200-350 (we also recommend getting it pumped out if it hadn’t already been pumped recently)
- Well inspection: $200-350
Once inspections are complete, we are good to move forward! Your lender will then order the appraisal of the home.
After receiving the appraisal results, we’ll begin finalizing the loan with your lender. Time to start packing!

Closing

Before closing on your new home, make sure to:
- Set up all utility transfers (water, electric, gas, cable/phone/internet, etc). We’ll help you in determining who your utility providers are.
- Wire any funds needed to close on your home to the title company after verifying the amount and routing instructions.
On the day of closing, you’ll complete a final walkthrough with your agent, sign all your papers, and get your keys!

Newest Homes for Sale in Central florida

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