Buying a Home: Part 1 – Starting Your Home Shopping Process

Published on April 12, 2018

Today, for most people, the home shopping process starts with searching for properties on Zillow or If you live in St. Petersburg or Pinellas county in general, you can just for online, create your own search criteria, and start looking at properties of interest.

However, we would advise you to speak with a mortgage broker before you start searching for properties. It’s very important for you to understand what kind of financing you will qualify for and how much the mortgage company with lend to you. In the Tampa Bay area there are hundreds of mortgage brokers. You might even have someone in your networks who is a mortgage broker.

Ideally, you would speak with your Real Estate Agent before you select a lender. During the transaction, there will be a lot of communication between your agent and the lender. Therefore, it’s important that they work well together. After you speak with your mortgage broker and understand what kind of financing you will qualify for, you will receive a pre-approval letter. This letter will be very important when you are putting in an offer.

With the pre-approval letter, the seller of the property will give your offer more weight if there are two offers on the table. One you have the pre-approval letter in hand, you can begin looking at properties within your budget. You can search for properties in In St. Petersburg, Florida on our website by following this link. Your main objective is to understand what kind of house to like before you start looking at houses with your agent. You can even attend a few open houses on your own. By doing a little bit of the homework on your own, you will be able to create a better search criteria with your Real Estate agent. This way, when you schedule showing for the houses of the weekends, you will be more efficient with your time.

The Real Estate market in Pinellas county is a Seller’s Market – this means that properties which are priced correctly, do not stay on the market too long. Buyer’s have to be ready when the right property come up. One of the couples we helped buy a home in St. Petersburg looked at more than sixty homes before writing a contract on a house which went the market just a few hours earlier – it was a bidding war. However, they felt comfortable winning the bid because they knew with 100% certainty that this was the right house for them.

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