Home Buying Made Simple

Welcome! You are about to embark on the exciting journey of finding y our new home. Whether it is your first home or tenth home, a retirement home or investment property, we will make your home-buying journey a great experience. We can help you find the ideal home with the least amount of hassle, and we are devoted to using the expertise and full resources of our team to achieve these results!

Our goal when we founded the My Tampa Agent Team was to develop a client-focused approach to real estate comprised of a hand-picked team of Specialists dedicated to providing world-class s service. Purchasing a home is a very important decision and a big undertaking in your life. In fact, most people only choose a few homes in their entire lifetime.

We are going to make sure that you are well-equipped and armed with up-to-date information for y our big decision. We are prepared to guide you through every phase of the home-buying process. This guide gives you helpful information for before, during, and after your transaction. We hope you will find its reference to be an invaluable guide during your home-buying experience.

Our real estate business has been built around one guiding principle: It’s all about you. Our focus is on your complete satisfaction. Our unique team approach works to get the job done so well that you will want to tell your friends and associates about y our experience with us. That’s why so much of our business comes from repeat clients and their referrals: good service speaks for itself. We look forward to the opportunity to earn y our referrals!

Our Value.

Read Our Reviews

Knowledgeable,

professional, and proven

team of REALTORS who

represent you

Organizing and scheduling

homes to view based upon

your specific criteria

Thorough consultation to

determine your unique

wants and needs in a home

Personally touring homes

and neighborhoods

with you

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Keeping you informed about, and delivering,

opportunities to view homes not yet on the market

Advice on making offers based on an expert market evaluation and analysis of other homes sold

Committed allies who will complete your purchase contract, present your offer and negotiate on your behalf

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Preparation of all disclosures and documents, and guidance through the escrow process

Assistance with any post-closing questions

Your Homebuying Roadmap

Strategy

 ✴ Find a REALTOR® you can trust
✴ Strategic home buyer consultation
✴ Set up tailored search

Financing

✴ Mortgage application
✴ Obtain pre-approval letter

Showings

 ✴ View your favorites
✴ Find your home

Offer & Negotiations

 ✴ Market analysis
✴ Write your offer
✴ Negotiations & counter offers

Protection

✴ Offer accepted
✴ Earnest money/due diligence
✴ Inspections

Closing

 ✴ Appraisal
✴ Final underwriting
✴ Title work
✴ Insurance
✴ Utilities in your name
✴ Final walk through
✴ Close on your home
✴ Deed recorded
✴ Get your keys

Mortgage Pre-Approval

How Much Can You Afford? 

Key Factors to Consider:

  • The down payment
  • The interest rate 
  • Your debt-to-income ratio
  • The closing costs associated with the transaction

Down Payment Requirements  

*There are many down payment assistance programs available through our preferred vendors, just ask us for more information to find out if you qualify

Closing Costs 

You will be required to pay fees for loan processing and other closing costs. These fees must be paid in full at the closing unless you are able to include them in your financing. This is called “Seller Paid Closing Costs” and we will determine with the help of your lender if this is appropriate for your situation. 

Examples of closing costs

  • Prepaid Insurance ($300–$1500) 
  • Prepaid Taxes (up to 6 months) 
  • Prepaid HOA Fees (when applicable)
  • Mortgage Origination Fee (1%)
  • Appraisal Fee ($450) 
  • Title Fees ($500–$1000)
  • Closing Fees ($750) 

$250,000

YOUR OFFER
(Total amount of your purchase price)

- $5,000

SELLER’S CONTRIBUTIONS
(Amount of your closing costs you ask
the seller to pay for you)

= $245,000

NET OFFER
(Final amount the seller is actual
receiving, viewed as your actual offer)

Searching

1. YOU tell us exactly what you are looking for and we enter YOUR criteria into our property search program.

2. We instantly generate email reports for you on ALL properties which match your needs (including Foreclosures, FSBOs, Pocket Listings, Pre-staged Homes and Off-Market Properties!).

3. We receive PRIORITY notification when new properties meeting your criteria are listed By Any and Every Company!

4.YOU tell us what YOU are interested in and we look at and investigate the properties that YOU choose.

5. If you find a For Sale By Owner (FSBO) or off-market property, let us know first and we will assist you in scheduling showings and ensure you remain represented throughout.

Showings

We Put YOU In Control

1. YOU get access to the properties you want BUT without any sales pressure!

2.YOU get to pick the homes you want to see.

3.YOU get to choose when you see them and drive by at your leisure!

4.YOU get all the info that the Realtors® can see including how much the present owners paid for the property and ALL the data from MLS system (not just the limited info the public can see).

5.YOU tell us which properties you are interested in and we will do additional research and arrange a showing of ONLY the properties YOU want to see.

Making an Offer

Once we’ve found the home you wish to purchase, you’ll need to determine what offer you are willing to make on the home. After all, you are the one making the payments!

*A Note about Multiple Offers: It is important to remember that the more competition there is for the home, the higher the offer will have to be, sometimes even exceeding the asking price. Remember, be realistic, but it all comes down to market value and solid comparable sales. Make offers you want the other party to sign!

Working Towards an Accepted Offer

You make an Offer

We will present your offer to the listing agent. The seller will then do one of the following:

Seller Accepts

Seller Counters

Seller Rejects

By far, the most common is the counter offer in response to strong offers. In these cases, our experience and negotiating skills become powerful in representing your best interests.

When a counteroffer is received, we will work together to review each specific area, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf


NOTE: A copy of your earnest money check may be required at the time of the offer. This is typically 1–2% of the offer price (a large deposit is typically considered to be part of a strong offer). This check is made to the closing attorney and will be submitted and deposited when the offer is accepted. This amount will be applied to your down payment.

Protection/Inspections

Once an offer is accepted and deposits collected we will begin our “Due Diligence”. This includes:

Inspections
✴ Appraisal
✴ Repair negotiations

Home Inspections

We highly recommend that you have a professional home inspector conduct a thorough inspection. Inspectors are exceedingly thorough and detailed so as to minimize surprises for you. However, the inspection is not meant to be used to low ball the seller post-price negotiations, as all existing homes have minor imperfections. 

The inspection is intended to report on major damage or serious problems that require repair. Your home doesn’t “pass or fail” an inspection. The inspector’s job is to make you aware of repairs that are recommended or necessary.

The inspection will include the following:

✴ Appliances
✴ Plumbing and Electrical
✴ Exterior
✴ Heating and Air Conditioning
✴ Roof and Attic (if accessible)
✴ Foundation
✴ General Structure

Additional inspections may include:

✴ Wood destroying pest/termite 
✴ Septic
✴ Well water testing
✴ Survey
✴ Radon

Repair Requests

The seller may be willing to negotiate completion of repairs, or you may decide that the home will take too much work and money and rescind the offer during the inspection period.

Closing On Your Home

 Preparing to Close

✴ Finalize Homeowner’s Insurance
✴ Verify Lender has all required docs
✴ Final Walk Through
✴ Review Closing Statement
✴ Potential deal killers
✴ Transfer of utilities

What to Expect At Closing 

Who Will Be There? ƒ 

✴ You, the buyer(s)
✴ Seller(s)
✴ Buyer’s Agent
✴ Listing Agent
✴ Closing attorney
✴ Occasionally, your mortgage officer 

What Will You Need? ƒ 

✴ Bring valid government-issued photo ID
✴ Confirmation of Wire Transfer for closing funds

When Closing Is Finished…

Once all documents are signed AND the Closing Attorney has recorded the Deed at the courthouse your funds will be released to the seller and unless otherwise agreed you will receive the keys and possession of your new home.

Congratulations!

My Tampa Agent is Your Lifetime Resource

On-Going Real Estate Support ƒ 

✴ Post-closing questions
✴ Updated market information
✴ Helping your friends and family

Trusted Contractors

✴ Handymen
✴ Cleaning companies
✴ Carpet cleaning
✴ Exterior maintenance
✴ Painting & Remodeling
✴ Siding/Windows/Decks
If you need a recommendation for anything we are here to help!

Raving Fan Club

✴ Parties for our “Clients for Life” 
✴ Holiday giveaways (ex. Thanksgiving Pie) 
✴ Helpful videos
✴ Market snapshot
✴ Quarterly giveaway


Our Happy Clients

Thank you so much for trusting our team to be part of the journey of getting you home!

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