Phone: (561) 461-8620
Discover the Benefits of Finding Your Perfect Home
With The Demitri Team
We are here to help you navigate the challenging real estate market and find the home of your dreams. Whether you've faced hurdles with current homes on the market, can't find what you're looking for, or have been priced out, we have solutions tailored to your needs.
The Perfect Home Finder
What is The Perfect Home Finder Program?
Can't find what you want on the market? Our Perfect Home Finder service is here to help:
Custom Searches: You describe your ideal home specifications, and we do the legwork to find it both on and Off Market.
Target Market Campaign: Using your specifications we find Off Market homes that no one knows about and bring them to you.
Building Option: If we can't find the perfect home, we can locate the ideal piece of land and get your dream home built from scratch.
Assumable Mortgages
Assumable Mortgages: A Game Changer
One of our unique offerings is finding homes with assumable mortgages. Here's how it can benefit you:
Double Your Buying Power: If you qualify for a $400,000 home at 7%, an assumable mortgage at 3% can effectively double your purchasing power, allowing you to consider homes valued up to $800,000.
Lower Interest Rates: Take advantage of lower interest rates locked in by the current homeowner, saving you tens of thousands over the life of your mortgage.
Database of Off Market Homes: We talk to sellers everyday and many times they want to sell but not list their home. This give us exclusive access to many off market homes where you get first crack at a deal.
Making The Best Choice for You
Our goal is to provide you with the best options to fit your needs. Whether you choose our Perfect Home Finder program or our Assumable Mortgage Service, we're here to help you every step of the way.
Ready to Get Started?
Click one of the buttons above to learn more and move forward with one of our home buying solutions.
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11 Steps to Home Buying
Buying a home is an exciting journey that requires careful planning and understanding of the key steps. Below is a breakdown of what a homebuyer needs to be aware of to successfully complete the process.
Click on each of the steps to learn more about each step of Your Home Buying Journey.
Assess your budget: Calculate how much you can afford for a down payment, closing costs, and monthly mortgage payments.
Check credit score: A higher credit score can help you qualify for better mortgage rates.
Save for a down payment: Typically, this is around 3-20% of the home's price, depending on the loan type and other factors.
Consider additional costs: Factor in property taxes, homeowners insurance, and potential HOA fees.
Shop for lenders: Compare rates from different lenders to find the best mortgage terms.
Submit documentation: Lenders require financial documents like tax returns, W-2s, bank statements, and proof of assets.
Receive pre-approval: This will give you an idea of how much you can borrow, making you a more attractive buyer to sellers.
List must-haves and deal-breakers: This includes location, property size, number of bedrooms/bathrooms, and neighborhood features.
Consider the future: Think about long-term needs, including potential growth, resale value, and commute times.
Choose a local expert: An experienced real estate agent can guide you, provide insights into the market, and help with negotiations.
Clarify expectations: Let your agent know your goals, budget, and preferences to tailor the search.
Sign a Buyer Broker Agreement: Following the new rules where the buyer is responsible to pay their agent.
Tour properties: Explore different listings, attend open houses, and evaluate the pros and cons of each property.
Take notes and photos: To keep track of the homes you visit and remember important details.
Prepare Cost Sheets: Track costs like insurance, taxes, HOA, and more for each property you like to be able to evaluate on a level plain.
Evaluate market conditions: Your agent can help you determine if it’s a buyer's or seller's market, which can impact your offer.
Submit an offer: Include contingencies like inspections, financing, and appraisal to protect your interests.
Negotiate: Be prepared for counteroffers and adjust as needed to reach an agreement.
Schedule a home inspection: This is essential to identify any issues with the property that could affect its value or livability.
Negotiate repairs or credits: If the inspection reveals issues, you may be able to negotiate repairs or price adjustments with the seller.
Get an appraisal: Lenders require an appraisal to confirm the home's value aligns with the loan amount.
Lock in your interest rate: After finalizing the loan details, secure the interest rate with your lender.
Complete mortgage underwriting: The lender will review your financial information again to confirm loan approval.
Provide your lender with details: The lender will need to know the HOA and insurance costs.
Inspect the home one last time: Ensure repairs were made (if agreed upon) and that the property is in the expected condition before closing.
Operate All Mechanicals: Run the hot water, the AC, the stove, microwave and all appliances to be sure they still work.
Review closing documents: Carefully read through the closing disclosure, which outlines loan terms, monthly payments, and fees.
Sign paperwork: You'll sign a series of documents to finalize the mortgage and transfer ownership.
Pay closing costs: These can include lender fees, title insurance, property taxes, and other administrative fees.
At closing: you receive the keys and can begin the process of moving in. Be sure to change the locks, set up utilities, and familiarize yourself with your new community!
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The Demitri Team at Keller Williams - (561) 461-8620
Our Team of Realtors Are Located Throughout Florida
Palm Beach Gardens - Orlando - Coral Springs - St Lucie - Vero Beach - Boca Raton - Pompano - Lake Worth - Jupiter - Tequesta - Panama City Beach
Stuart - Cape Coral - Clearwater - Kissimmee - Jacksonville Beach - Tampa - Fort Myers - Naples - Sarasota - Palm Bay
Broker: Keller Williams Reserve - 6271 PGA Blvd., Suite 200, Palm Beach Gardens, FL 33418 - (561) 318-7240