Ocale Florida Real Estate

ozzie sells ocala

Buying:

. Familiarize yourself with the mortgage process.

. Begin the application process by getting pre-qualified and pre-approved

from a mortgage lender. Do this first. Your mortgage qualification will significantly

strengthen your offer.

. Be aware od your credit situation and get your credit report.

. Find a real estate agent whom you trust.

. Determine your housing needs and wants to decided what types of houses you

should be considering: single-family, townhouse, or condo.

. Make a scorecard for each house.

. Learn how to set a value on a house. This can save you a great deal of time

and helps to avoid disappointment.

. When you find an acceptable house, write an offer. Familiarize yourself with how

offers become contracts.

. Negotiate your best deal using the information you have acquired.

. Make a mortgage loan request, if you haven't already done so.

. Arrange for a home inspection of the property you are most interested in. Do not

skip this step!

. Learn about home warranties and be aware of what they cover.

. Compare and secure homeowners insurance.

. Arrange for a closing agent or attorney. Make all final preparations for closing.

. Make moving plans. If you plan to use a moving company, make comparisons and

reserve time now.

. Secure final loan appruval and commitment from the lending institution.

. Do a final walk through of the house and make sure everything is to your satisfaction.

. Final closing and settlement. Make sure to have the necessary paoerwork and money with

you to ensure an easy closing.

. Move to your new home and begin enjoying it-you deserve it!

Calculators

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required

Required Must be a number between 1 and 50
Term In Years:
Required Must be a number between 1 and 100
Interest Rate:	%
Required
Cost of Home:	$
Required Cannot be more than Cost of Home
Down Payment:	$
Required
Annual Insurance:	$
Estimate Insurance to 0.43%of Cost
Required
Annual Property Tax:	$
Estimate Tax to 1.2%of Cost
Monthly Income:	$	Required
Monthly Debt:	$	Required

Optional

Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage

Qualification

Affordability

Rent vs Buy

Your Monthly Payments

Loan Amount:
Loan Insurance ( %):
Total Loan(Mortgage) Amount:

Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:

Buying Services for ocala Home Buyers

Congratulations! You have decided to purchase a home, or are thinking about buying one. You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step , to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in ocala or elsewhere in Florida.

Below, select desired reports and complete the form provided.

		Buying Your First Home Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
		The Right Home at the Right Price This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
		Avoid Common Buyer Errors Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
		But Do You Need It Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.