11 Reasons You’ll Love Moving To Clearwater, FL

Posted on March 8, 2021March 8, 2021 by Arona A.

Arona McGinley | Charles Rutenberg Realty | RealEstateBitz.com

Every day we have families moving to Clearwater, FL! Clearwater is one of those places that is perfect for families with children, seniors looking to relax and enjoy the perfect weather or a great golf day. When you move to Clearwater, Fl plan on getting rid of the snow boots and heavy winter jackets. Time to stock up on lots of bathing suits, shorts, and sleeveless tees. Whatever the reason it’s definitely one of the best places to live in Florida.

Clearwater Florida has excellent schools, there is so much history and I can’t forget to add Winter the Dolphin at the Clearwater Marine Aquarium. Clearwater, FL supports over 50,000 local jobs and has been growing every year. If you’re looking for that beach vibe with a slower pace of life then this is the place for you. Check out our downtown and enjoy the museums, great restaurants, and perfect weather. Should you be moving to Clearwater, or are thinking of moving to Clearwater, Fl please feel free to contact me with any questions you may have about this beautiful city. I am always happy to help!

Are You Ready To Buy Your Home?

Posted on March 23, 2020March 23, 2020 by Arona A.

Buying a home can be the most exciting time for you and your family. But don’t lose out on the home of your dreams by doing this alone. This is one of the biggest financial transactions of your life, and I want to help you by making this experience less stressful.

As you go through the process you may have questions on –

Downpayment – How much is required as a downpayment of a home?
How do I get a Mortgage for this home?
How do I complete the Mortgage application?
Do I have enough money saved up to buy this home?
Do I have a good credit score?
How do I write up an offer on my dream home?
How do I negotiate to get the best price?
How do I submit an offer on my dream home?
What do I do when the Seller accepts my offer?
How do I get the home inspected?
How do I negotiate repairs?
How do I get a title search?
How do I get a survey?
What are my closing costs?

There are so many things to think about when buying your home. Don’t go through this alone. Call/Text 727-422-9340 I can help you buy the dream home for you and your family.

Buyers Handbook

Posted on October 20, 2019October 20, 2019 by Arona A.

Preparing For Your Purchase

You are ready to buy your home – Are your finances in order?

Category: Advertising your home to sell, buyers in pinells county, buyers in tampa bay florida, buyers market, buying real estate, buying your home, Clearwater, Florida, property search in florida, real estate

arona mcginley realtor in tampa bay florida

Have a talk with your bank / lender and get one of these.

1. Pre-Qualification Letter

2. Pre-Approval Letter

3. Loan Commitment

Talking to your bank/lender gives you an idea of how much house you can actually afford. Once you start looking for your home you don’t want to waste time on looking at homes that you cannot afford. It can be very emotional when you’ve found your dream home then you find out you cannot afford it. By talking to your lender you can get advice from a professional as to whether or not you qualify for any home buyer programs or loans.

Notes

What is a Pre-Qualification Letter?

A pre-qualification letter says what’s the maximum a buyer can pay for a home. However, it relies only on truthful but non-verified verification. This is an informal estimate and the information can be done by telephone, email, online or in person.

What is a Pre-Approval Letter?

A pre-approval letter provides documentation of exactly how much mortgage the borrower have been approved to borrow. This is based on the borrowers income, assets, debts and credit. This is more detailed than a pre-qualification letter and it involves verification of data and underwriting. A pre-approval letter can make a big difference for home buyers, it shows the sellers that you are very serious about buying their home.

What is a Loan Commitment?

This is when the buyer does full on loan application and this can be completed in person or by mail. The lender will need the borrower’s income, assets, debts and all credit is considered. The bank will need verification of employment, bank statements and verification of deposits and any other form of income or debts the borrower may claim to have.

http://realestatebitz.com/buyers-handbook/

These 5 Mistakes Could Lead To Your Mortgage Being Denied

Posted on April 6, 2019April 6, 2019 by Arona A.