JUST IGNORE THE 800 POUND GORILLA IN THE 3 BEDROOM 2 BATH ST CLOUD FLORIDA HOME. You would be surprised how many times a Real Estate agent will point out the obvious. “This is the kitchen” a classic quote. Selling Real Estate is more about listening, that about talking.  Buying a home after-all, regardless of your budget, is the single largest purchase you can make.

Consumers in general,  are very smart. They know what they want and what they need.  The real skill is in matching those wants and needs with homes in their price range.  Some prices ranges are more competitive than others. For instance: if you are looking to purchase a 3 bedroom 2 bath Home in St. Cloud Florida for under $80,000,  it is possible, but you will have a lot of competition from buyers looking for similarly priced property.  The good ones go fast.  That is a fact.  So what can you do to be prepared?


1) Financing– Have your lender Pre-Approve You for a Home Mortgage. It is free and will determine how much you can easily afford.

If you will be paying in cash (over 60% of recent sales are cash) Then You WILL need a letter showing proof of funds from you lender.

2) A Real Estate Firm You trust, who is familiar with the local area.

                                                                                                              3) A List of 5 Homes which are your “best picks”

Pre-Arranging your financing in advance is the single most important step to purchasing a home.  Especially if you are looking for a Short Sale, or Bank Owned Property. The Pre-Approval must be submitted with the offer in order to be considered. Having the letter in hand, enables you to keep a competitive time advantage over other buyers who will be looking at the same homes you are.

A Real Estatae Agent You Trust and who is familiar with the local area.  Real Estate is local. You may not be.  As a result, finding a firm or agent you are comfortable with and one with whom you feel understands exactly what you are looking for will easy frustration in the process of locating the right home for you.  They must be easily reached, and return calls in a prompt and courteous manner. This also applies to Real Estate Agents that List homes. Good communication is the key to forming a solid working relationship.

There are generally two sides to every Real Estate Transaction.  A Listing side (agent who works for the seller) and a Selling side (Agent who works for the buyer)  You do not save money using the Listing Agent when you are buying a home. In Florida, it is presumed all agents are “Transaction Brokers”  Meaning they can legally list a home for a seller and represent a buyer at the same time. However, they may not represent one to the detriment of the other”. 

A List of the Top 5 Best Picks.  90% of consumers begin their search for a home on the Internet. There are literally thousands of homes for sale in St. Cloud Florida and elsewhere.  Narrowing down the style, size, age, and type of home you prefer in your price range shortens the list considerably.  Of those remaining the top 5 which are most appealing can be viewed once showings are arranged through your agent.  We have used this proven method effectively for years.

Lastly, Don’t ignore the 800 pound gorilla in the room.  Not all homes are perfect. Some defects may not be readily visible. In distress sales the seller (bank) has not seen the property nor do they have any prior knowledge of potential defects. It is imperative you pay for a Home Inspection which can be a contingency to any offer you make. This will protect you in the long run.