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Crash Course To Buying Your First Home

FIRST THINGS FIRST. DECIDE TO BUY.

Home ownership has often been called the greatest “accidental investment” you’ll ever make. However, we believe that if done right and with the proper guidance, home ownership becomes an “intentional investment” that can lay the foundation for financial freedom, security, and stability. There are several reasons to support your decision to buy a home. Building equity, value appreciation, and tax benefits rank pretty high among them.

Base your decision on facts. Not myths.

  • If you’re paying rent, you more than likely can afford to buy.
  • The lack of a substantial down payment won’t prevent you from buying your first home.
  • Having a less-than-perfect credit score won’t actually stop you from buying your home.
  • The best way to buy your dream home is to buy your first home now.
  • Buying a home doesn’t have to be complicated. It’s what we’re here for.

HIRE A REAL ESTATE AGENT.

The typical real estate transaction involves over a dozen of separate individuals. Including buyer’s agents, seller’s agents, bankers, insurance accessors, mortgage brokers, various underwriters, inspectors, appraisers, escrow officers, title researchers, and a number of other individuals who need to be harmoniously orchestrated together to close a home. The responsibility to coordinate this orchestra rests on the shoulders of your real estate agent, advocating for you and your interests throughout the entire transaction. It’s no easy feat.

Roles of your real estate agent include:

  • Educating you about your market.
  • Analyzing your needs and wants.
  • Guiding you to homes that fit your criteria.
  • Synchronize the work of other required professionals.
  • Negotiating on your behalf.
  • Triple-checks documents and deadlines.
  • Solving any problems that arise.

Qualifications are important. And thus, finding a solid real estate agent means going beyond the basic resume, and into what makes them a fit for you. Some questions worth asking:

  • Why should you work with them?
  • How did they get into the business of real estate?
  • How are they different from other real estate agents?
  • Can you provide me with testimonials and references from past clients?
  • How will you help me find the right home for me?
  • What can go wrong? How will you handle it?
  • What are some mistakes people make when buying their first home?
  • Who do you suggest we work with?

MONEY TALKS. SECURE YOUR FINANCING.

While the thought of home ownership can be thrilling, the thought of taking on a mortgage can be downright chilling. For many first-time home buyers, the purchasing process can be confusing and at times, stressful. For most, this can be their first time making a financial commitment this large. From start to finish, there are about six basic steps to financing a home.

  • You’ll need to choose a mortgage broker. We can recommend a few.
  • Submit a loan application and for preapproval.
  • Determine what you’ll want to pay, what you can afford, and select a loan option.
  • Submit an accepted purchase offer contract to the lender.
  • Get an appraisal and title commitment.
  • Obtain the funding you’ll need at closing.

FIND YOUR HOME.

Often times, we think that shopping for a home starts with jumping in a car and driving around town looking at houses. And although this part of the home buying process is quite possibly the most exciting part, it’s only fun for so long. The excitement can fade fairly quickly if weeks go by without finding what you’re looking for. For that reason, we say that looking for your home begins first with carefully assessing your values, needs, and wants, both for the short term and long term.

Some questions to ask yourself:

  • What do I want my new home to be close to?
  • How much space do I need/want and why?
  • Which is more important, location or size?
  • Would I be willing to fix a fixer-upper?
  • How important is home value appreciation to me?
  • Is neighborhood stability a priority?
  • Would I be interested in a condominium?
  • Is new home construction an option?
  • Do I want any particular features or amenities? Which one’s do I actually need?

MAKE THE RIGHT OFFER.

Approaching this part of the process with a cool head and a realistic perspective of your market is key. There are three basic components of an offer: price, terms, and contingencies. The right price to offer should fairly reflect the true market value of the home you want to buy. The other financial and timing factors that are included in the offer are your terms and contingencies, falling under six basic categories.

  • Schedule: events that need to happen before closing.
  • Conveyances: when the sellers leave, these are the items that are left behind.
  • Commission: real estate commission or fee for the agents who work on the deal.
  • Closing cost: fees paid at the end of the real estate transaction.
  • Home warranty: coverage for replacement or repairs of appliances and major systems.
  • Earnest money: this protects the seller from the possibility of the buy unexpectedly leaving the deal and makes a serious statement of your offer.

PERFORM DUE DILIGENCE.

Unlike most purchases in life, once you’ve purchased a home, you can’t return it if something breaks or isn’t quite working the way it’s supposed to. This is why homeowners insurance and property inspections are so important. Home owner’s insurance policies protect you in two ways:

  • Against loss or damage to the property itself.
  • Liability in case someone sustains an injury while on your property.

Property inspections of a home should shed light on any issues that a home might have, that way you’ll know exactly what you’re getting into before you sign at closing. Structural damage is going to be your main concern. Don’t sweat the small stuff, they’re likely easily fixed and can be overlooked. If an issue should arise during an inspection, it’s recommended to bring in a specialist. Worst case scenario you can walk away. CLOSING. The final stage of the home buying process is confirmation of the home’s value, legal statute, and your continued creditworthiness from your lender. This final process includes a survey, appraisal, title search, and a final check on your credit and finances. You’ll have a few pre-closing responsibilities:

  • Stay on top of your finances. No impulse buying.
  • Returning all paperwork and phone calls as soon as you can.
  • Keep open communication with your agent. And don’t fall off the face of the earth.
  • Before closing, make sure all your needed documentation is in order.
  • Obtain the funds required for closing. Legally.
  • You’ll want to do a final walk-through as well. Just in case.

On closing day, with guidance of a settlement agent and your real estate agent, you’ll sign documents that do the following:

  • Finalize your mortgage.
  • Pay the seller.
  • Pay closing costs.
  • Transfer the title.
  • Make arrangements to record the transaction as a public record.
  • As long as you have the right expectations and follow directions, closing should go smoothly without a hitch. Marking a new chapter in your home-owning experience.

PROTECT YOUR INVESTMENT.

Paying attention to the maintenance needs of your home is essential to protecting the value of your investment. And fixing small problems early on will definitely help save you money and time.

Home maintenance essentially falls into two categories:

  • Keeping it clean: Performing the required routine maintenance needed.
  • Keeping an eye on it: Watching for signs of leaks, damage, and wear and tear.

Odds are that throughout your first home buying experience, you’ve probably created a relationship with your real estate agent. There’s no reason to throw this new-found relationship out the door now that your deal has closed. Believe it or not, your agent more than likely wants to keep in touch with you. Even after you close on your house, your agent can still help you with quite a bit.

  • Help handle your first tax return as a home owner.
  • Finding the right contractors to help with remodeling or maintenance.
  • Help your friends and family find a new home as well.
  • Keep track of your home’s current market value.

As promised, a crash course to buying your first home. If this was helpful to you, we would love to hear about it – leave us a comment bellow. And if you’ve decided to purchase your first home, get in touch and we’ll go through the process together.


We’re not your typical Orlando Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Dr. Ste. 109
Clermont, FL 34711
407.917.7190

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Lakefront Real Estate Listing Clermont, FL 34711 | 10527 Summit Lakes Ln

[youtube http://www.youtube.com/watch?v=PMO6fD5QwcE?rel=0&showinfo=0]

Real estate team, Tania Matthews Team with Keller Williams Classic III Realty has recently listed a lakefront home for sale in Clermont, FL 34711.

Located in the Summit Lakes subdivision of Clermont, FL 34711; 10527 Summit Lakes LN is a lakefront, custom-built Cape Cod style home like no other. It’s an everyday weekend getaway. As soon as you walk through the door, you’re immediately captured by the breathtaking view of Lake Clair with Lake Minnehaha seen in the distance.

This single family home’s open living space is perfect for entertaining guests and relaxing; boasting vaulted ceilings, a cozy fireplace, and 12 ft pocket sliders that create a wall of glass allowing for incredible natural lighting. With a split bedroom layout, this lakefront home has three bedrooms, two baths, and a bonus room that can be easily converted to a fourth bedroom or left as a den, office, or even a man cave.

The home’s interior also features a separate breakfast room and formal dining room, while the master suite includes walk-in closets, dual sinks, and a garden bathtub.

Exterior features of this lakefront home for sale includes an attached two car garage and a hot tub/spa inside of its screened in lanai. And with a total lot size of more than half an acre (about 25,000 square feet) there’s plenty of space for just about anything.

Residing on Lake Clair with a view of Lake Minnehaha in the distance, this lakefront property in Clermont, FL 34711 is currently listed at $300,000.

If you’re interested in seeing this gorgeous lakefront house for sale, or if you’re interested in buying a home in Clermont or selling a property in Clermont, please feel free to reach out.

Clermont, FL Real Estate


We’re not your typical Clermont Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Rd. Suite 109
Clermont, FL 34711
407.917.7190

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Single Family Home With Pool Listing| 136 Dakota Ave Groveland, FL 34736

Groveland, FL 34736 single family home with pool

A single family home in Groveland, FL 34736 has been recently listed by real estate agent team, Tania Matthews Team with Keller Williams Classic III Realty.

Located in the Estates at Cherry Ridge subdivision of Groveland, FL 34736; 136 Dakota Ave is a single family home that has been beautifully upgraded and wonderfully updated. As soon as you step foot through the door, you’re immediately captured by ceramic tile laid throughout the house that emulates the appearance of wood flooring. A unique finish with low maintenance.

This single family home’s kitchen is wonderfully updated. With granite countertops throughout, the kitchen overlooks the family room providing a perfect place for entertaining guests and evening gatherings. Additionally, the home boasts vaulted ceilings, crown molding, and upgraded lighting. With just under 2,000 square feet of living space, this home has three bedrooms, two baths, and an additional den, play room, or office space.

With a lot size a little over 6,000 square feet, the home’s exterior features include an attached two car garage and a beautifully inviting screened in pool area for those hot summer days. But perhaps one of the best features of this home, is its privacy with no rear neighbors.

136 Dakota Ave Groveland, FL 34736 is currently listed at $195,500.

If you’re interested in seeing this wonderfully updated house for sale, or if you’re interested in buying a home in Groveland or selling a property in Groveland, please feel free to reach out.

Groveland, FL Real Estate


We’re not your typical Groveland Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Rd. Suite 109
Clermont, FL 34711
407.917.7190

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Luxury Property Showcase | Shanghai, China

FOR IMMEDIATE RELEASE:
TANIA MATTHEWS TEAM, CERTIFIED INTERNATIONAL PROPERTY SPECIALIST INVITED TO LUXURY PROPERTY SHOWCASE – SHANGHAI, CHINA

Luxury-Property-Shocase-booth

ORLANDO, Fla. Dec.11, 2015 – Tania Matthews with the Tania Matthews Team, Keller Williams Classic III, has been invited to attend the Luxury Property Showcase (LPS) in Shanghai, China, on Dec. 11th-13th, 2015. Tania and her team will have the opportunity to represent and showcase luxury homes in the Greater Orlando Area to future Chinese homeowners and investors. This event also allows the opportunity to interact with prominent property developers from China and leading overseas luxury real-estate professionals.

LPS, Shanghai is an invitation-only event to be held at the iconic Shanghai Marriott City Centre, welcoming a highly targeted audience of luxury real-estate buyers, high-end investors and affluent individuals. Over 5,000 visitors are anticipated to visit this year’s expo.

Foreign investment has increased due to a substantial and increasing level of global wealth, and the U.S is a secure and attractive location for investments and owning property. For the first time, international real-estate clients from China, exceeded all other buyers in terms of unit purchases and dollar volume (purchasing $28.6 billion worth or property), while Canada was second with less than half at $11.2 billion.

“Knowing that four states accounted for 50% of international sales, Florida being one of them, I understand the importance of introducing our market to Chinese buyers and investors, and am looking forward to showcasing the luxury properties I represent to China for consideration and attending future Luxury Property Showcase events in China,” says Tania.

Tania and her team have already attended an LPS event in Beijing, China in April 2015. As a seasoned Global Property Specialist (GPS) and Certified International Property Specialist (CIPS), designations awarded from Keller Williams and the National Association of Realtors (NAR) respectively, Tania has the experience and exposure needed to uniquely represent luxury real-estate properties from Florida and the Greater Orlando Area at LPS’ next expo.


We’re not your typical Orlando Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Rd. Suite 109
Clermont, FL 34711
407.917.7190

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Single Family Home Listed | 11702 Foxglove Dr Clermont, FL 34711

Clermont, FL 34711 single family home

Lake County single family home in Clermont, FL 34711 has just been listed by real estate team, Tania Matthews Team with Keller Williams Classic III Realty.

Located in the Spring Valley Phase IV subdivision of Clermont, FL 34711; 11702 Foxglove Dr is a 2,418 square foot single family home, with a total lot size of 9,448 square feet. With no rear neighbors, this home provides substantial backyard privacy with a wonderful area for grilling out and enjoying the relaxing evenings. Whether it’s on the patio, under the high canopies of oak trees, or in the enclosed screened in porch.

This home is located right off of US HWY 27 and conveniently located minutes away from Clermont Landing, an outdoor shopping plaza with a variety of retailers, restaurant chains, and entertainment. If you prefer the natural beauty of Clermont’s lakes, you’re only two minutes away (if that) from Lake Minnehaha, Lake Louisa, and the Lake Louisa State Park.

Boasting vaulted ceilings, an open area kitchen, and a separate formal dining room, living room, family room, there’s plenty of room for entertaining guests and spending quality family time in this single family home. The three bedroom, two bath home also has an added bonus room, making a great game room, office, or workout room.

With a great location and affordable price, this is a great property for a homeowner and investor alike.

11702 Foxglove Dr, Clermont, FL 34711 is currently listed at $185,000.

If you’re interested in seeing this affordable single family home for sale in Clermont, or if you’re interested in buying a home in Clermont or selling a property in Clermont, please feel free to reach out.

Clermont, FL Real Estate


We’re not your typical Clermont Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Rd. Suite 109
Clermont, FL 34711
407.917.7190

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Newly Constructed Home Listed in Winter Garden 34787| 15882 Citrus Grove Loop

[youtube http://www.youtube.com/watch?v=mucQi3TFG3w?rel=0&showinfo=0]

The Tania Matthews Team with Keller Williams Classic III Realty lists another home in Winter Garden, FL 34787.

Located in the Hickory Hammock subdivision of Winter Garden, FL 34787; 15882 Citrus Grove Loop is a newly constructed single family home. A new construction home that has never been lived in. Why wait to build? The hard part is already done.

A newly built Ryland Kiley II E home, this 1,804 square foot single family home has three bedrooms and two baths. Upon entering the home, you’re immediately captured by the beautiful hand scraped floors inviting you in.

This single family home’s open kitchen and living concept overlooks the peaceful pond, conservation area and has a view of the clubhouse and pool in the distance. With an updated kitchen boasting quartz counters and stainless steel appliances, it offers a great place for the cook in the family to get creative.

The home’s exterior features include an attached two car garage and a wonderful front porch for those nice summer days.

15882 Citrus Grove Loop Winter Garden, FL 34787 is currently listed at $334,500.

Remarks:

  • Seller is willing to help contribute towards buyers closing costs.

If you’re interested in seeing this newly built house for sale, or if you’re interested in buying a home in Winter Garden or selling a property in Winter Garden, please feel free to reach out.

Winter Garden, FL Real Estate


We’re not your typical Winter Garden Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Rd. Suite 109
Clermont, FL 34711
407.917.7190

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4,000 SqFt Single Family Home Listed in Winter Garden, FL 34787 | 14048 Eylewood Dr

14042 Eylewood Dr Winter Garden FL 34787

The Tania Matthews Team with Keller Williams Classic III Realty lists loved Stoneybrook West home in Winter Garden, FL 34787.

Located in the Stoneybrook West subdivision of Winter Garden, FL 34787; 14042 Eylewood Dr, is a 3,984 square foot single family home with four bedrooms, three baths, an office, and a bonus room. There’s plenty of living space. The master bedroom is perfect for a peaceful retreat including a connecting balcony that allows for enjoyment of the Disney fireworks!

Eylewood’s layout allows for a great entertaining flow, from the formal living and dining rooms to the beautiful kitchen that overlooks the family room and backyard. Imagine how perfect it would be to have a layout that allows evening family times as dinner is being prepared and yet has the space to allow everyone their private areas. It would make a great home for multi-generational households.

Stoneybrook West is a sought after man-gated community in Winter Garden with wonderful amenities for everyone. Including the private access to Black Lake with a boat ramp and fishing dock, an 18 hole golf course, a clubhouse and a fitness center with an Olympic-size swimming pool, basketball courts, tennis courts, inline skating rink, and a spacious playground.

The home’s exterior features include an attached three car garage and beautiful mature landscaping. If you feel the need to leave, the location is conveniently close to shopping, dining, major roads, hospitals, the airport and area attractions. Truly a great home with a great location.

14042 Eylewood Dr. Winter Garden, FL 34787 is currently listed at $385,00.

If you’re interested in seeing this wonderful single family home for sale, or if you’re interested in buying a home in Winter Garden or selling a property in Winter Garden, please feel free to reach out.

Winter Garden, FL Real Estate


We’re not your typical Winter Garden Realtor. We’re a real estate team consisting of different talents, strengths, and backgrounds. Coming together to achieve a common goal. Helping you.

Contact:
Tania Matthews Team
info@TaniaMatthewsTeam.com
1200 Oakley Seaver Rd. Suite 109
Clermont, FL 34711
407.917.7190