Florida Realty

One Step At The Time


Owning a home is more than a smart financial investment; it’s an investment in quality of life – particularly if you have a family or if you’re planning one. You can decorate or renovate however you like, customize your landscape, rule the roost! It’s your home.

 This guide provides a detailed look at the home buying process for first-time homebuyers. But before diving in, ask yourself, “Is this the right time for me to buy?” The considerations below will help to answer that question.

Owning versus renting

Owning a home does come with risks and responsibilities that you don’t have to deal with when you rent. Things like a mortgage, property taxes, homeowner’s insurance, home maintenance, and repairs. Even so, financial advisors and homeowners themselves know that there are far more advantages than disadvantages to owning.

For instance, over time you’ll generally lose money by continuing to rent versus owning your own home. Why not build up equity in your own home instead of paying your landlord’s mortgage? Although there are periodic market drops, owning a home has historically been an unequaled financial investment. You gain many ongoing tax benefits, such as deducting the interest on your mortgage and property taxes from your income tax.

Do you qualify to own?

Get your financial facts straight. Go to your bank or other lending institution and have them perform a credit check and general financial analysis. Also, keep in mind that you may be eligible for loans insured by the Veterans Administration (VA) or the Federal Housing Administration (FHA).

 Is it a good time to buy?

Generally speaking, if you’re financially qualified, and ready for change, your timing is right. The bottom line is that if you are currently renting but want to own a home, have the funding, and the right real estate professional to guide you - it’s a good time to buy.

An experienced real estate professional can assess the current local market conditions and fully inform you about your options. As an industry insider, a professional agent will often get the scoop on great real estate opportunities you might otherwise miss!


Buying a home usually represents your single biggest investment – and debt. Adequate research, knowing what you want and what you can afford, and the assistance of a professional real estate agent are the keys for the best outcome.

These 7 steps will help you get started.

1.Define your goals, research your options, and develop an action plan

Giving the green light to future homeownership means educating and preparing yourself as much as possible. Know what your personal reasons are for buying, and determine the kind of home, neighborhood, and features you want. Since buying and financing a home are fundamentally connected, you’ll also need to examine your current financial situation and know what you can realistically afford.

Once you’re clear on the above, you’ll be in a better position to research housing and mortgage options, and create an action plan with timelines for moving forward. While it is possible to do this yourself, you may benefit by consulting an experienced real estate professional right from the start.

2.Contact a real estate professional

Buying real estate is a complex matter with many factors to consider as no two homes or transactions are alike. The unique opportunities and potential pitfalls are best navigated with an expert on your side. Contact a real estate professional once you’ve decided to buy. A professional agent will guide you through the property search, financing, negotiation and transaction processes. Consider their local market knowledge, experience, and track record when evaluating potential agents.

3.Get pre-approved for a loan

It’s important to get pre-approved for a loan before you start viewing homes in earnest. The pre-approval process involves meeting with a lender and authorizing them to examine your current financial situation and credit history. On the basis of this examination, the lender may provide you with a document detailing the amount you can borrow to buy a home.


  The benefits of pre-approval include:

  You’ll know what you are eligible to receive and be able to plan accordingly

As a qualified, motivated buyer you’ll be taken more seriously when you make an offer

Lenders can tell you if you qualify for special programs that will help you afford a better home (particularly if you’re a first-time buyer)

Financing is available from many sources, and your professional agent will be able to suggest lenders with a history of offering excellent mortgage products and services.


4.View homes and find THE ONE

The secret to a happy home search is in knowing what you really want. That means distinguishing between “must-haves” and “like-to-haves”. To help you to target your search and define your home preference priorities, refer to the Home Search Worksheet on page 8.

 A few interesting facts about the search process for perspective:

92% of buyers use the Internet or mobile apps to search for homes.

The typical buyer searches for 10 weeks and views 10 homes

97% of buyers view real estate agents as important in the home search process

With today’s mobile apps and online real estate websites, you can view homes, see details, take video tours, and access neighborhood info. Technology can be a great tool in your search process!

However, it’s absolutely necessary to view homes in person. While the property details may seem similar online, homes can be very different in terms of layout, design, workmanship and other aspects. Ideally, you should view homes with the help of an experienced real estate professional who may notice things you might miss, provide expert analysis, and act as an impartial sounding board.

5.Make an offer and negotiate with the seller

When you’ve found the home you’d like to buy, it’s time to make an offer. Your state or local real estate association likely has contracts that are generally used for transactions in your area. These contracts enable you to specify a sale price and also allow the inclusion of clauses specifying various terms of purchase, such as the closing and possession dates, your deposit amount, and other conditions.

 You should carefully review these clauses with your real estate professional to be sure that they accurately express your intended offer. In addition to drawing up the contract, your real estate professional will be happy to address all of your questions about the offer process.*

Once you’ve written the offer, your real estate professional will present it to the seller and/or the seller’s representative. At that point, the process will vary somewhat depending on the market you’re in. Generally speaking, the seller can accept your offer, reject it, or counter it to initiate the negotiation process.

Successive counter-offers, with deadlines for responding and meeting conditions, may be exchanged between you and the seller until a mutual pending agreement is reached or the negotiations breakdown. Negotiations involve many factors specifically relating to different market conditions, homes and sellers, and other variables that a professional agent can handle with ease.

6.Secure your financing

Once you have a pending agreement, it’s time to return to your chosen lender to finalize mortgage details in order to close the deal. This means finalizing your down payment, interest rate, regular payment schedule and all other financial conditions associated with the closing. As the saying goes, ‘let the buyer beware’. Unfortunately, too many buyers suffer negative consequences from not fully understanding their financing decisions. Thus, it’s crucial for you to work with people you trust. In this regard, a good real estate professional can become a true friend for life

*Customs for drawing up contracts vary by region. Certain transactions may benefit from the use of legal counsel.

           7. Close the deal

If you’ve efficiently taken care of everything connected with purchasing your new home, taking ownership should be a positive joy with no surprises. Key steps to the closing, also referred to as the “escrow” or “settlement”, include:

 Getting a title search – you will need a historical review of all legal documents relating to ownership of the property – to ensure that there are no claims against the title of the property. It’s also necessary to purchase Title Insurance for protection in the event of errors in the records or mistakes in the review process.

The final walkthrough – you will be given the chance to look at the home one last time to make sure it’s in the same condition as when you signed the sale agreement.

The settlement – typically, on the Closing Date you’ll meet with a lawyer, real estate professional, or escrow agent to verify and sign all the paperwork required to complete the transaction.


The settlement will include paying your closing costs, legal fees, property adjustments and transfer taxes. At that point, you’ll receive the property title and copies of all documentation pertaining to the purchase.

 Oh, and one more thing – you’ll get the keys! In most cases, possession date will fall within a few days, and you will be able to move into your new home.



 I offer my customers and clients the knowledge and experience that has come from the involvement in many, many real estate transactions. I have years of experience in sales, with a focus on superior marketing strategies, contract negotiation, customer service, and a dedication to lifetime clients. I also have expertise in home building, investment properties, land development, and mortgages. I provide my clients with exceptional personal service. Working hard to get sellers the most for their property and buyers the best deal possible. I never settle for less than complete satisfaction.


  • Innovative marketing strategies
  • Superior contract negotiation
  • Extensive patience, guidance, and vision when working with buyers
  • Delivering unparalleled customer service
  • Dedication to lifetime clients.
Advantage of listing with me
  • Professional understanding of the changing marketplace
  • Customized comprehensive marketing plan
  • A dedicated full time professional working hard for you
  • A wealth of internet exposure for your property
  • I will put a personal/financial investment into the sale of your property
  • Proactive and aggressive action plan to expose your property to the greatest pool of buyers.
  • No one will work harder to serve your real estate needs
E Marketing Program For Every Listing
  • Multiple Listing Service (MLS)
  • Trulia.com
  • Realtor.com
  • Google Real Estate Classifieds
  • Yahoo Real Estate Classifieds
  • Homefinder.com
  • Realestate.aol.com
  • Cyberhomes.com
  • Zillow.com
  • To continue my personal business plan, based on referral growth
  • To exceed the buyer's and seller's every expectation
  • Integrity, dedication, honesty, and accountability
  • To always do what is right for the customer
  • To fulfill each buyer's needs and goals.
  • Sell listings in the shortest amount of time for the best possible price
Affiliations & Memberships
  • National Association of REALTORS®
  • State Association of REALTORS®
  • Local Board of REALTORS®
Please browse this website for listings, reports and important local real estate information.


Martina Miller
cell 813.494.5207

Florida Realty
903 W. Lumsden Road,
Suite 103
Brandon, Fl.33511


I am never too busy to help you, your family, friends and neighbors to purchase or sell a home!


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