Port Saint Lucie Port St Lucy Saint Lucie
West St Lucy West West Port Saint Lucie Florida Real Estate Homes for Sale Florida PGA Village Lake Charles Tesoro The
Vineyards Cascades Heatherwood Country Club Estates Magnolia Lakes Gated Community
Golf Community Tennis Community New Construction Adult Community 55+ Second
Home Corporate Relocation Employee Relocate Retirement Investment Investor PreConstruction Pre Construction Pre-Construction For Sale By Owner FizzBo FSBO 1st First time home buyer Vacant Land Vacant Lots
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| Getting Started |
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Saint Lucie West Communities: Lake
Charles | PGA
| The Vineyards | Heatherwood
| Magnolia Lakes | Lake
Forest | Lake Forest Point
| The Club | The
Belmont | Kings Isle 55+ Community
| Cascades 55+ Community
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Dive into the classifieds? Drive around the neighborhoods? What's
the best way to start the homebuying process? First of all, you
may want to do some prep work before you start shopping. These
topics can save you lots of legwork and may help you find a home
that's right for you and your budget.
Your financial profile ... more >>
How much house can you afford? ... more >>
Finding an agent ... more >>
Your Financial Profile
As soon as you've decided you want to buy a house, make certain
you have a clear picture of your financial situation. Consider
the following steps:
- Get a credit report to make sure there are no discrepancies
or problems in your credit history. Find out how credit scores
work and how you may be able to correct errors in your credit
report, if there are any.
- Do an analysis of where your money comes from and where it
goes.
- Develop a household budget for your current situation. Stick
to it.
- Determine how much home you can afford.
- Analyze how a house purchase will affect your budget.
- Try not to add on any new debt. Since mortgages are based
on debt to income ratios (the amount you pay out monthly versus
the amount you bring in) new debt could throw the ratios off
and make a previously approved mortgage unobtainable.
How much Can you Afford
To determine this here are some items you'll need to give to your
mortgage lender:
- Current monthly loan payments.
- Other monthly expenses (childcare, dues, etc.).
- Records of variable expenses from the last 12 months (utilities,
food, car repair, etc.).
- Records of annual or semi-annual expenses (insurance, taxes,
etc.).
- Records of other non-fixed expenses for the last year (medical
expenditures, etc.). This will give you an estimate of average
expenses of this type.
- Records or an estimate of personal expenses (entertainment,
travel, etc.).
- Having a current copy of your credit report can be very helpful
and may reveal any inaccuracies in your credit history, and
may also give you a clear picture of your total debt and your
monthly obligations. Be realistic. Make provisions for possible
increases in some items ( school tuitions, insurance, taxes,
etc.). Then look for ways to get and keep control over your
budget.
Finding an Agent
The relationship between a homebuyer and his or her buyer's agent
must be based on trust, mutual goals and understanding. The homebuyer
entrusts the buyer's agent to always keep his or her interests first
and foremost.
Some things to look for in an agent
- An understanding of your needs
- A willingness to work with you until your needs are fulfilled
- Professionalism
- A familiarity with the neighborhoods you like
- Experience with the price range in which you have an interest
- Strong references from previous buyers
Where to find an agent
Be aware that if you search for homes first and
contact the agent who has a particular property listed, that agent
will represent the seller in the majority of cases -- not you. |
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COPYRIGHT ©
2003-2006 Melissa Conrad, Florida REALTOR. All Rights Reserved!
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PORT ST LUCIE HOMES FOR SALE, REAL ESTATE PORT ST.
LUCIE FLORIDA, ST. LUCIE HOMES FOR SALE, PORT SAINT LUCY, PORT ST LUCY FLORIDA
REAL ESTATE, SELLING AND BUYING HOMES, ST LUCIE WEST, ST LUCY WEST, SAINT
LUCIE WEST, CASCADES, LAKE CHARLES, THE VINEYARDS, THE BELMONT, THE CLUB,
HEATHERWOOD, COUNTRY CLUB ESTATES, PGA, PROFESSIONAL GOLF ASSOCIATION, THE
LEGACY, TESORO, TESORO PRESERVER, WATERFORD, KINGS ISLE, NEWPORT ISLES, LAKE
FOREST, MAGNOLIA LAKES, SEASONS, BALLANTRAE, BALLENTRAE, LAKES OF TRADITION,
BEDFORD PARK, ESTATES OF TRADITION, TRADITION, LEVITT AND SONS, HANOVER HOMES,
NEW CONSTRUCTION, ADULT COMMUNITY, INVESTMENT PROPERTY, PORT ST LUCIE REAL
ESTATE AGENT, HOMES FOR SALE, REALTORS IN PORT SAINT LUCIE AND ST. LUCIE WEST,
SOUTH FLORIDA, RELOCATION, RELOCATE TO PORT ST LUCY, PORT SAINT LUCIE AREA
SCHOOLS, PORT SAINT LUCIE SCHOOL DISTRICTS, PORT ST LUCIE SCHOOL ZONES, PORT
ST LUCIE FLORIDA, RELOCATION TO PORT SAINT LUCY, CORPORATE RELOCATION,EMPLOYEE
RELOCATION PORT ST LUCIE AREA BUILDERS, RELOCATING TO PORT SAINT LUCIE, GOLF
COMMUNITIES, GATED COMMUNITIES, MASTER PLANNED COMMUNITIES, PSL MASTER PLANNED
COMMUNITY, PSL, REALTOR, RENTAL, PROPERTY, PROPERTIES, TREASURE COAST REAL
ESTATE INVESTMENT, PGA, REAL ESTATE, REALTOR, REALTORS, ACREAGE, LOTS, AREO
ACRES, PAAR ESTATES, LUCIE HOME SEARCH, LUCY HOME SEARCH, BUYERS REPRESENTATIVE,
SELLERS REPRESENTATIVE, WEST PORT ST LUCIE WEST PORT SAINT LUCY, RESIDENTIAL
REAL ESTATE, TOP PRODUCER MELISSA CONRAD, REALTOR, PORT ST LUCIE UPSCALE LUXURY
COMMUNITY , PORT SAINT LUCIE AREA MAPS, TOWNHOMES, TOWNHOUSES, MULTI-FAMILY
UNITS MULTIFAMILY, APPRAISALS, HOME INSPECTIONS, Professional Golfers' Association
of America, VACANT LAND VACANT LOTS FOR SALE PRE-CONSTRUCTION NEW CONSTRUCTION
INVESTMENT PROPERTY CONDO CONVERSION Saint Lucie West St Lucy West SECOND
2ND HOME RETIREMENT HOME ASSIGNABLE CONTRACT TESORO TESORO PRESERVE WATERFORD
LAKE CHARLES THE VINEYARDS PGA GOLF CLUB VILLAGE CASCADES 55+ COMMUNITY MAGNOLIA
LAKES CORE COMMUNITY TRADITION MARTIN COUNTY PALM CITY JENSEN BEACH INDIAN
RIVER ST LUCIE RIVER JUPUTER PALM BEACH REAL ESTATE WATERFRONT RIVERFRONT
OCEANFRONT OCEAN ACCESS
