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Services for Buyers


 

Jorge J Gomez, REALTOR®/Fortune International Realty and with the MLS listings thru Exclusive Properties in Miami provides many services that are available to assist you in your search for the most accurate information and update information for the purchase or sale of your single family home, condominium, oceanfront property, business, restaurant, hotel, commercial property or  luxury property. We are professional, ethical, efficient, attentive, and knowledgeable and provide excellent customer service.
Whether it's around the corner or the world, I can find the best property you have been looking for or may want in the future.  
We provide full service for all your real estate transactions. Our services available are as follows:
  • Residential Real Estate
  • Investment Properties
  • Property Management
  • Relocation Services
  • Mortgage Lending
  • Insurance
  • REO and Foreclosure Properties
  • Apartment Locator Services
Other Marketing tools and services available to assist you are as follows:

  • Up to date listings of all available properties.
  • Extensive network of Associates.
  • Key box for easy showings.
  • Access to Multiple Listing Service.
  • Schedule appointments seven days a week.
Allow me to assist you in your property search and find your next home or investment property. I specialize in residential real estate in the following areas:
Aventura
Brickell
Miami Beach
Sunny Isles Beach
 
Financial Information
Gather relevant documents that you will need to obtain the best financing and the best rates
Pay Stubs
Statements from banks, brokerages, and retirement accounts
Income Tax Returns
Records of debts such as auto loans, student loans, credit cards, etc.
Start Shoring-Up your Credit
Your credit rating will have a significant impact on whether you will be approved for a mortgage, what your interest rate will be, and how much you will be approved for.
A score above 720 is most desirable and scores below 600 it is tough to get approved for a mortgage.
A few months before you start the process of buying a home you should get a copy of your credit report and make sure all of the information is correct and fix any problems you discover.
Run the Numbers
Put together a financial plan to determine what you can afford. The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary.
Start saving for your down payment. You will want to put down at least 20% for a down payment. It is ideal to keep your down payment in cash or cash equivalent accounts so that market conditions do not hinder your plans.
Find out how much you will likely pay in closing costs. Closing costs include origination fees charged by the lender, title and settlement fees, taxes and prepaid items such as homeowners insurance or homeowners association fees.
Find out what the total monthly housing cost will be including taxes and insurance to get a feel for the maximum amount you should spend.
Taxes:
Don’t just ask what the most recent tax bill was, make sure to ask what several recent tax bills have been. In some areas, houses are re-appraised and taxed at higher rates frequently.
Get Pre-Approved for your Mortgage
Getting pre-approved will save you the pain of looking at houses you can’t afford.
It will also put you in a better position to make a serious offer when you find the right house because sellers will take your offer more serious when they know you are pre-approved and have the money to back up your offer.
Looking for your Home
Know the Neighborhood you are Buying in 
Visit the neighborhood and surrounding area. You will want to know whether your lovely neighborhood backs up to a dumpy commercial area or a less-than-savory part of town.
Look up the reported crime statistics in the area to make sure you’re moving to a safe zone.
Visit the property at various times of the day. The seemingly quiet residential street may be a noisy, highway-feeder street during the morning or even rush hour.
Find out how good the schools are where you are buying. Even if you don’t have kids when it comes time to sell many buyers will have children, and this will be vital to them, thus helping boost property values.
Talk to your neighbors to try and get a feel for them. There is nothing worse than finding out you cannot stand your neighbors after you have moved into a property you cannot readily move out of immediately.
Home ConditionMake sure you know the exact condition of the house before you submit an offer.
You should always have the home inspected by your inspector who has extensive experience inspecting homes.
Some issues will be prominent, and most are curable, but knowing what needs fixing can help you negotiate a lower price or at least prepare you for costs you will soon incur.
Try to get detailed records on past improvements, although this isn’t always possible. This will help ensure that improvements were not done with cheap materials and were made by the building code.
Get an appraisal of the property to determine the actual market value of the property.
Think of your House as an Investment
If you can commit to remaining in one place owning a home is a great way to build wealth, because owning a home is a great way to hedge against inflation.
If you can’t commit to remaining in one place for at least a few years, being unable to stay in a property for any prolonged period will likely cost you lots of money in the long run.
Closing the Deal
Step 1: Starting the Process: 
A sales contract is signed by the buyer and seller and delivered to the closing agent, usually with a deposit check. The escrow is accepted by the escrow agent, usually by written notation on the contract. The escrow agent starts the closing process by opening a title order. The file begins to be processed. Tax information, loan payoffs, survey (if necessary), homeowner/maintenance fees, inspections/reports, and hazard and other insurances, as well as legal papers, are ordered. A title search is ordered.                                                       
Step 2: Title Search and Examination
This is a search made of the public records. Records searched include deeds, mortgages, paving assessments, liens, wills, divorce settlements and other documents affecting title to the property. Title examination is the examination of the documents found during the title search that affect the title to the property. This is when verification of the legal owner is made, and the debts owed against the property are determined. Upon completion of the search and examination, a title commitment/preliminary report is prepared and reviewed and sent out to interested parties.
Step 3: Document Preparation and Request to Produce
The closing agent reviews the new lender's instructions/requirements, reviews instructions from other parties to the transaction, reviews legal and loan documents, assembles charges, and prepares closing statements and schedules the closing.
Step 4: Settlement/Closing the Transaction
Escrow/Settlement Agent oversees the closing of the transaction. Seller signs the deed and closing affidavit. Buyer signs the new note and mortgage. The old loan is paid off. The seller, real estate professionals, attorneys and other parties present at the closing of the transaction are paid.
Step 5: Post-Closing
After the signing has been completed, the escrow/settlement agent will forward payment to any prior lender, and pay all parties who performed services in connection with your closing (if they have not been paid). The transaction documents are then recorded in the county in which the property is located. Title insurance policies are prepared and sent to the new lender and to you. This all happens without any further actions by the buyer or seller.
Bottom Line
This is an important decision in your life that will have major implications on your life.
Always ask your realtor questions whenever you are unsure about any aspect throughout the process.
It is the job of your REALTOR® to take you step-by-step through this process and make it as anxiety-free as possible.
The more informed you are when you enter this process, the easier it will be and the more successful you will be in obtaining the best deal possible.

 


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