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Realtor of the Month

Tim Hubbard
Work with one of the best Realtors in Clearwater.
Tim works with Buyers and Sellers. Call 888-720-0792

 
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Contact Info

Tim Hubbard - Realtor
Fruits Real Estate Inc.
Local Office: 888-720-0792

Email Me or Inquire Here

 

20% Cash-Back Rebate Program For Home Buyers

Attention Home buyers. Get cash back when buying a home with us. You are spending your time searching the Internet and driving by homes, why not get something back. Get rewarded when buying a home with one of our Top Realtors, we will give you 20% of our net commission* on your next real estate purchase. Schedule an appointment today to meet with a Realtor that will assist in finding the perfect home. You can call us anytime 888-720-0792. Please see details below.

Example: Buying a $250,000 Home - you could receive up to $1,500 cash back rebate* just for using us.

 

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Our Pledge to Home Buyers:

  • Assure that you see all the properties in the area that meet your criteria.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

 

Before You Start Looking For Your New Home:

  • Check your credit rating . Straighten out any errors before its too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
  • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a REALTOR® that you trust and who understands your needs.
  • Determine what neighborhood best matches your needs.
  • Identify important features you need your new home to have.

 

Closing Costs To Expect

  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

 

What To Expect At The Closing

Closings usually take place in an office with a title closing agent, the buyer, the seller and the real estate agents involved in the sale.  If you wish to have a real estate attorney, they may be present and also your mortgage loan officer may attend if you wish them to be present.  At the closing table, the title agent has a big stack of papers for the buyer to sign and only a couple pages for the seller.  That big stack is all the paperwork your lender wants you to sign so that they can issue you the loan for the new house.  Our Realtors are trained to close in all surrounding counties including Pasco, Hillsborough and Pinellas County. Continue Article

 

Should I Use An Attorney For My Real Estate Purchase

Although a real estate attorney is not required in the home buying process, they are qualified to give you great legal advice and protect the purchase of your new home.  So before you sign a purchase contract on the home of your dreams, let's talk about the things that your real estate lawyer would handle for you and the problems your real estate lawyer could prevent. Read More on This Real Estate Buyers Topic

 

Did You Know That Your Realtor Will Negiotitate For You

Before you sign and think that price is the only thing that you can negotiate, let me tell you the way it really is. Every single thing in the contract to purchase is negotiable. Of course the main thing would be the purchase price, and if price is going to be your only issue, then set your maximum price and be willing to walk away. Besides the purchase price, you can negotiate the closing date in your favor, closing costs to be paid by seller, all repairs to be paid by seller and requesting possession of any fixture or piece of furniture in the house. Even when a house is listed for sale "as-is", a home inspection addendum can be added to the contract and will provide you negotiating terms that the seller still pay for repairs. Read More about Realtor Negotiation

Buyers Guide
<< back
1. Are you Ready? 5. Choose a Home 8. Get Insurance
2. Get a REALTOR® 6. Get Funding 9. Closing
3. Get Loan Preapproval 7. Make an Offer 10. What's Next
4. Look at Homes

Are You Ready?

One of the keys to making the homebuying process easier and more understandable is planning. In doing so, you'll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the homebuying process.

 

Do You Know What You Want?

Whether you are a first-time Clearwater Florida home buyer or entering the Clearwater Florida marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new Clearwater Florida community due to a lifestyle change or is buying an option and not a requirement? What would you like in terms of Clearwater Florida real estate that you do not now have? Do you have a purchasing timeframe?

Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals. As an interesting exercise, it can be worthwhile to look at the questions above and to then discuss them in detail when meeting with local Clearwater Florida REALTORS®.

 

Can You Afford This New Home Purchase


Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the downpayment, commonly referred to as debt or the mortgage.) The good news is that over the years new and innovative loan programs have evolved which require a 5 percent downpayment or less. In fact, a number of programs now allow purchasers to buy real estate with nothing down.

In addition to a down payment, Clearwater Florida purchasers also need cash for closing costs (the final costs associated with closing the loan). Several newly emerging loan programs not only allow the purchase of a home with no money down, but also underwrite closing costs.

Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly mortgage payments, so most Clearwater Florida home buyers choose to buy with some cash up front.

As to closing costs, in markets where buyers have leverage, it may be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses. Speak with local Clearwater Florida REALTORS® for details.

Are Your Finances In Order

Those great loans with little or nothing down are not available to everyone: You need good credit. For at least one year prior to purchasing a Clearwater Florida home , you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time.

 

 

20% Cash-Back Rebate

* Rebate is available to buyers who close escrow with a real estate agent of My Clearwater Home Store acting as their sole and exclusive real estate agent for their home purchase. If buyer was referred by another agent and we pay a referral fee to the referring agent, the buyer rebate is void. Cash-rebate is calculated as 20% of the cooperating real estate broker commission actually received by the agent of My Clearwater Home Store at close of escrow as indicated on the final HUD1 for representing the buyer, minus any allowances or deductions paid by My Clearwater Home Store and or it's agents as related to the transaction. At times, seller and/or listing brokers in a real estate transaction may offer the buyers broker an additional bonus or incentive above the base cooperating brokerage commission. These bonuses are separate and apart and are not used in calculating the cash-rebate.

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