Deltona Realty | St. Augustine Real Estate | (904) 940-1551 > Buyers

The Buying Process

Now that you've made the decision to purchase, let's walk through some of the important steps you'll need to take for buying your new Northeast Florida home.

Even though buying a home - whether a family residence, a second or vacation home, or a retirement haven is exciting - it also takes common sense. It's easy at times to feel overwhelmed by the process so selecting a licensed real estate professional with knowledge about the area, its schools, employment centers, and activities can make all the difference.

We know that you choose a home with your heart, but you buy a home with your pocketbook. There is a happy balance between the two and at Deltona Realty we can confidently tell you that with so many styles, varieties, and price ranges for selection we can help you find the perfect match.

Mortgage Information

This is a financial planning decision. Even retirees are learning that using mortgage financing while their assets are working for them can make sense in today's world. For first time home buyers, or for a seasoned buyer, usually financing is the manner in which you will close on your home. When considering a mortgage, it is important to know that your credit scores are very important. Credit scores give lenders a fast, objective measurement of your credit risk. Credit scores, especially FICO® scores which are the most widely used credit bureau scores, have made big improvements in the credit process.

Searching for Your New Home

At Deltona Realty, we have access to both the St. Augustine/St. Johns County Multiple Listing Service and the Northeast Florida Multiple Listing Service and to statewide MLS alliances, allowing us to search our databases for exactly what you are trying to find. No more running from home to home, or neighborhood to neighborhood, this is where the real expertise comes in.

You want to know ahead of time what a community or neighborhood offers and not waste your time on properties you know you would never consider, much less buy. Let us help you get the information you need before you start looking. What looks good on the internet may in fact be in a neighborhood where you can't have your boat or oversized truck. Deed restricted neighborhoods can be that particular.

Deltona Realty will answer all your questions about living in Northeast Florida - and probably many you have not yet thought of - because this area is unique and different from where you lived before.

Making the Offer

Once you've found the home you truly would like to buy we'll make sure you get the best possible price for that home by providing you with the current market data that supports its true value. Once you've taken into account the recent sales of similar homes in that neighborhood - it's not too hard to determine a fair offering price.

At Deltona Realty we help buyers negotiate contracts every day and those contracts are comprehensive and will protect your interests, helping you avoid costly mistakes. On the purchase of a home nothing should be left to "chance" and experience counts in contract negotiations. Keep in mind that nearly everything is negotiable in a real estate contract and we'll make sure we point those "negotiating" points out to you in advance. There are hundreds of details that go into each real estate transaction, so we'll explain all those details to you and help you find the right answers specific to your needs.

After Your Offer is Accepted

Once your contract is accepted the clock starts ticking, what needs to happen is making sure you comply with the effective dates and timelines contained within your contract. That means we'll help you with the vendor selection for home and termite inspections, the best way to handle repairs the property may need, set up your escrow instructions with the title or attorney's firm, work with movers, follow through on obtaining necessary documentation for your loan process, introduce you to insurance agents, and guide you to the closing table.

The Closing Table

Just prior to closing, Deltona Realty will be in touch with the title agent or attorney to ensure all pertinent documents and invoices are delivered to the closing table. We'll review and revise the closing statement to make sure it's accurate and complete before we go to closing. Once at the closing table, we'll walk you through the myriad of documents and why they are needed to consummate your home purchase.

After Closing

At Deltona Realty, experience tells us you may have some more questions or require some additional information such as how to homestead your property. We're here to help and it doesn't stop the day you open the front door to your new home.

You will still be learning about living in Northeast Florida and we are available at any time to assist you in making this transition smoothly and with as few headaches as possible.

Our service does not stop at closing because we strive to make life long customers.