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Buying a Home 

 

Buying a home can be complex. A Realtor's experience and market knowledge will help guide you through the buying process; property search, financing, negotiation, and the transaction processes.

Get a Pre-Approval Letter or Proof of Funds 

Having a proof of funds or pre-approval letter is critical before you even start the property searching process. By doing this it will help you achieve both finding the home of your dreams and meeting your financial needs. If you are not currently working with a lender please see below for reliable professionals in the Brevard area.

The Mortgage Firm 
             Bryan Troy                                            Office 321-914-3596
             924 Garfield Street                             btroy@themortgagefirm.com
             Melbourne, FL 32935                         www.TheMortgageFirm.com

Caliber Home Loans 
             Julio Paneto                                          Office 321-557-9600
             175 E Nasa Blvd                                    Julio.Paneto@caliberhomeloans.com
             Suite 203                                               www.CaliberHomeLoans.com
             Melbourne, FL 32901

Supreme Lending
             Nancy Davis                                        Office 321-725-8200
             1500 Airport Blvd                               nancy.davis@supremelending.com
            
Melbourne, FL 32901                         www.SupremeLending.com


Choose which features & amenities are most important in your future home.

It is important to first distinguish what your "must-haves" and would "like to have", this will help to narrow your search and make the searching process faster. After narrowing the possible properties to a handful of homes your Realtor will schedule showings so you may view and evaluate possible properties.

          -Home Search Worksheet 

 

Making an Offer

Once you have found a property you would like buy, your Realtor will draw up a contract. The contract will include sales price, deposit amount, closing date, and  various other terms and clauses. After writing the contract your Realtor will present the offer to the seller and seller's Realtor. From this point the seller can accept, reject, or counter your offer.

Once you are under contract with the seller your next steps include finalizing your mortgage details, getting an inspection of the property, an appraisal, and shop for home owners insurance.


It's important to hire a knowledgeable, independent home inspector for advise on the overall condition of the property. The purchase contract usually requires specific time periods for inspections, and it is critical that this time frame be met. Usually the cost for any and all inspections and re-inspections are paid for by the buyer. Prices can range from $350 to $500+ for house inspections.

Some examples of common inspections are:

* Structural - defects caused by poor construction, soil movement, water or drainage conditions, settlement, fire, etc.

*Environmental Hazards- Including asbestos, lead-based paint, radon gas or any other toxic material.

*Roof- can include framing members, decking and shingle condition

*EMP- Electrical, Mechanical and plumbing - should include electrical and plumbing systems, built-in appliances heating and cooling systems, swimmimg pool/spas, sprinkler systems and security systems.

*Termite- report would show any visible infestation or visible damage caused by an wood destroying organism (termites, water damage, and/or wood rot).

Inspectors

White House Inspections
Phil White
321-427-2080
phil@whitehouseinspections.com
www.whitehouseinspections.com

Fogarty Inspection Services Group
Sean Fogarty
321-506-5125
fogartyinspectionservices@gmail.com
www.homeinspectorpalmbay.com

Chrissy Mac Home Inspections
Chris MacDonald
321-749-3500
chris@chrissymacinspections.com
www.chrissymacinspections.com

When looking at home owners insurance check with a few local companies to find the best rate of the insurance you desire. Below are local insurance companies that can provide quotes.

Insurance Professionals of Brevard LLC
Tiffany Jackson
321-752-5266
tjackson@ipbrevard.com
www.insuranceprofessionalsofbrevard.com

Prime One Insurance
Robert Porter
321-241-1111
rporter@prime1insurance.com
www.prime1insurance.com

Great Florida Insurance 
Rey Campbell
321-241-4880
rey.campbell@greatflorida.com

Close on the Home

A few days before closing on your new home you should contact the local utility providers to schedule the turning on of your utilities. Also your Realtor will schedule a final walk through of the property. The day of the Closing you will meet at the Title Company's office to sign all of the closing documents. 

 

Title Company                                                                   Helpful Links

Atypical Title                                                                     * Title Services
Amy Prvulov                                                                      * Title FAQ
321-622-2302                                                                    * Closing Cost Calculator 
amy@atypicaltitlellc.com


Sunbelt Title
Ellen Louizos
321-757-0130 ext 2008
ellen.louizos@sunbelttitle.com

Alliance Title 
321-724-9600
www.alliancetitlefl.com

 

Tips For Buying 

4 Tips To Determine How Much Mortgage You Can Afford 

7 Tips For Improving Your Credit 

Find The Home Loan That Fits Your Needs

How To Assess The Real Cost Of A Fixer-Upper House

5 Tips For Buying A Foreclosure

6 Tips For Buying A Home In A Short Sale 

7 Steps To Take Before You Buy A Home 

7 Steps To A Stress-Free Home Closing 

8 Tips For Finding Your New Home 

Harold Rusty Melle BK 3185860

1455 South Wickham Road West Melbourne FL 32904

 

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