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Monday, February 10, 2014

Florida Homes for Sale: Whether buyer or seller, the starting point is FREE!

It has been said many times....very few things in life are free.  But when it comes to buying a home in Brevard County, Florida or selling your Brevard County, Florida home, the starting point should is FREE.

Image courtesy of photostock / FreeDigitalPhotos.net
The first step in the home purchase process involves obtaining a mortgage.  The initial step can be a mortgage pre - qualification which is free.

Pre - qualification is the process whereby a lender takes the information provided by a potential borrower and reviews the income, debt, assets, credit history, money available for down payments, employment history, and other information without verification.   With this the lender can provide a pre-qualification letter which tells the borrower how much they may be qualified to borrow based on the information supplied

The mortgage pre-approval is the step to take if you intend to purchase a home where the loan application is completed and submitted (and a fee is charged).  This is where the lender will pull the credit report, asks for tax returns, pay stubs, and other documentation.  

The first step in selling your Brevard County, Florida home is the market analysis.   And I, like many other real estate professionals, will provide a free market analysis when you are ready to sell your Brevard County home.

A market analysis is not what your neighbor sold his house for or how much you paid originally.  It is a figure calculated based on real data.  Read "How much is your house worth?  Choosing your comps."    A key point to remember is that the real estate agent who tells you your home is worth the most may not be the most accurate.

Whether buying or selling in Brevard County, Florida, call me at 321-693-3850 I can help you.  If you prefer, send me an email.  I have a list of lenders as well I will provide, if asked.

Remember, the starting point is free!

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