Buying or selling a home in Palm Harbor? Bradshaw & Bradshaw Realty Services can help.

For a lot of people, buying a home is a stressful event. But with some up-front planning, it's not very complicated. So they'll understand exactly what they can expect, I will give buyers a road map of the whole deal. Here are my nine steps to buying a home. When you're ready to get started, just contact me here or e-mail me at . I'm glad to answer questions you have regarding this information.

Step 1 – Get ready to purchase a home
Before you start your home search, there are plenty of things you'll want to take into account. You'll want to create an outline of features you need to have, plan for what school districts and neighborhoods you want to live in, and start planning around your budget. Keeping your mortgage payment less than or around 30 percent of your net monthly income is a good guideline to follow.

Step 2 – Talk to a real estate agent in Palm Harbor
This is where Bradshaw & Bradshaw Realty Services comes in. We'll schedule a time to get together so we can talk about why you want to buy a home and get an idea of your plans for the future. We'll talk about everything from neighborhoods, school districts in the Palm Harbor area, the mortgage industry, to any other economic factors that might affect your buying decision today or in the future.

In addition, I'll help you facilitate the loan process. There are some great mortgage professionals in Palm Harbor, and I partner with a lot of them, so you're in great hands. They can assist you with choosing which type of loan is best for you and help you get approved.

Step 3 – Begin house hunting
After our first meeting, I'll start finding houses on the market that are a good fit for you. I'll preview many of the homes and eliminate the bad ones, and then we'll set up appointments to tour the homes when it's convenient for you.

When we tour the houses, I'll point out positive features, as well as bad ones. I'll even ask you to point out what things you like and don't like. It's common for buyers to revise their list of must-haves as we tour homes and some things become more necessary than others. If that's the case, I'll look through the listings again and narrow it down to the home you've been dreaming about.

Step 4 – Get a grasp of the housing market
My understanding of the Palm Harbor housing market is a fundamental factor in your house search. I am informed of all the school districts and neighborhoods, and I can let you know what districts are "hot" and demand immediate action and some that are "cool" and allow for more examination.

As we view homes, I'll make sure to communicate when the seller's asking price has room for bargaining and when I trust the home is "priced to sell." When working with an agent, be on guard and make sure you ask plenty of questions, as every REALTOR in Palm Harbor will claim to know the market. If things don't add up, call me at 7274171290 or e-mail me at , and I'll be happy to answer your questions. My market expertise will help you stay a step above the rest through the entire deal.

Step 5 – Find the house you've been waiting for
We'll find your dream home in the Palm Harbor area, and when that happens, I'll precisely develop your real estate purchase offer. The offer will be tailored with your needs in mind and the home, including some contingencies, such as obtaining financing, completing the inspection, and a clear title.

When we submit your offer, most likely you'll want to submit "earnest money." This is a cash deposit made to the seller to secure the offer to buy the property and is typically put towards the closing costs. If your offer is accepted, we should close on the home within 30 to 60 days after. This allows necessary time for your mortgage financing.

Step 6 – Negotiate the deal
Most contracts aren't closed on the first offer – it's very common to receive a counter offer. Don't let it intimidate you. We'll figure out whether or not to accept the counter offer, propose our own counter offer, or reject the seller's offer and move on.

Market conditions will play a vital role in how aggressively we negotiate the deal. In addition, we'll work within your financing limits. And at the end of the day, we'll create a deal that's best for you.

Step 7 – Secure a loan
Once we sign the final contract, you'll start working with your mortgage lender to close the loan. If you've been pre-qualified, it won't take long at all, but you'll need to stay in close contact with your mortgage lender. And I'll manage all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will supply you with a Loan Estimate (LE) outlining your closing costs within three days of taking your application. You'll get a Loan Estimate (LE) outlining your closing costs from your lender within three days of taking your loan application. The estimate rests on the loan amount. RESPA requirements mandate that it has to contain all closing costs and fall within a precise range of accuracy, and I'll go over the estimate and let you know if it all looks okay.

Then it's time to close on your home. This should take place at a title company or escrow office and will likely be a smooth and comfortable occurrence.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you have any questions, be sure to contact me at 7274171290 or e-mail me at .