Tall Pines Realty your #1 Home Town Broker is large enough to serve all your real estate needs yet small enough to offer you the home town hospitality and experience you deserve. Tall Pines Realty has built its reputation on relationships and referrals from our small community.
Our teams of local experts are ready to walk you through one of the most important decisions in your life. We are committed to building a relationship with you as we provide our expertise, skills, and local knowledge throughout your buying process. Our Realtors specialize in Charlotte and Sarasota Counties real estate markets. We are prepared and determined to find the right property that fits your needs. Most important, we will strive to get you the best price and assure that you will not over pay!
Tall Pines Realty exclusively represents a myriad of new home builders with hundreds of vacant lots to build on. We also have a variety of existing homes to fit all your needs. As Tall Pines Realty is well connected with the community, we work with many properties, not on the multiple listing service as exclusive listings. We have direct relationships with investors, lenders and banks to assure you that we offer as many possibilities and options for our buyers. The majority of our transactions are from past customers and referrals. A referral is the best compliment we can receive; however please don’t tell everyone about the
best kept secret in Florida.
1. Choose Your REALTOR®
Find a REALTOR® whose judgment you trust, who knows the area well, and who understands your needs.
2. Choose Your Lender
Select a mortgage lender and get pre-approved. Your lender will help you determine the mortgage amount you can afford and then provide you with a pre-approval letter.
3. Choose an Area Where You Want to Live
"Location, location, location!" Many home buyers choose a home based on school districts. Other considerations may be access to work, shopping, transportation and deed restrictions. It is important to do research on a particular area prior to viewing lots of homes there or before making an offer on a property. One way to get an idea of what an area is like is to simply tour the area on different days and at different times. This is also a time to utilize your REALTOR. Provide them with as much information as possible so that they can assist and point you in the right direction. Remember, you can always make changes to your house but not to your neighborhood.
4. Choose the Features You Want in Your Home
Your REALTOR® will provide you MLS information on homes that match your criteria. The more information you provide your REALTOR the better they can help serve your needs. Review these and let your agent know which of them you want to see. Take notes on the MLS sheets provided to you as you view each of the homes.
5. Make an Offer
As a home buyers' agent, your REALTOR® will develop a Comparable Market Analysis (CMA), providing a price at what similar properties in the area have listed and sold for in order for you to make an offer on a home. Offer a fair price for the property and include other terms, conditions, and contingencies you really want or need.
6. Home Inspection and Other Inspections
The purchase of a home is most likely the largest single investment you will make. You will want to learn as much as possible about the property condition and any necessary repairs that may be needed before you purchase. A home inspection, although optional, will also provide the positive aspects of a home as well as useful information for maintenance that will be necessary to keep it in good condition. The inspection is generally done right after the contract to purchase has been signed and is typically the buyers' expense. A home inspection is strongly encouraged.
From the roof to the foundation, a home inspection entails an objective visual exam of the physical structure of a home. This includes an evaluation of the appliances, heating system, central air conditioning system, electrical systems, interior plumbing, visible insulation, walls, ceiling, floors, windows and doors, as well as the foundation and visible structure.
You will want to attend your home inspection. Take time to ask questions as you follow the home inspector during the inspection so you can learn as much as possible. You will be provided a full detailed written report by the home inspector which will be available to you the next working day.
An additional inspection is a termite inspection, which is generally done so you as the buyer will be well informed about the property condition. Some loan programs may require a completion notice from the pest control company indicating that the property is free of any damage or active infestation.
Homeowners insurance protects you and your family from someone or something taking away the home you have worked so hard to acquire. Consider insuring your home as an investment in your future. This insurance will protect your home from theft, fire and other liable coverage.
You will need to contact an insurance company as soon as you purchase your home, as this process takes time and you do not want to delay your closing. Your lender will require a paid receipt for the first year of coverage.
Flood insurance is an additional insurance that may be required for a mortgage and will cover your home from flood damage.
Closing usually takes 30 to 60 days to complete and is the process of transferring title of the property to the seller from the buyer. The seller receives payment for the property and the buyer receives title and deed to the property. Closing time depends on successful home inspection completion, buyers' financing ability, and lender conditions. These conditions are appraisals, surveys, termite inspections, title search, and title insurance.
9. Transferring Utilities
After closing and upon possession of the property, you will need to begin transferring all utilities into your name. As your REALTOR®, we are glad to provide you with a list of the utility companies.
10. Moving Day/Keys
Your REALTOR® will coordinate with you to get the keys to your new home.