Ask enough questions of your lender. Get all the figures of costs from the lenders.

Have your Pre-Approval letter in hand when you start to look at property, or have your Cash resource statement in hand, if applicable.

Be ready to act quickly so that someone else doesn't get the house you wanted.

  Just know that Foreclosures are going very fast.

Find the right agent that is willing to help you through the entire home buying process.

Make your offer to the seller appealing.

Thinks about resale before you buy. the average first-time buyer only stays in a home for four years.

Here are the common closing costs for buyers:

Down payment

Loan obligation. Credit report for lender. Private mortgage insurance. Insurance escrow if applicable. Points, loan discount fees to lender.

Home inspection (paid prior to closing, when inspection is complete)

Windstorm, Flood Insurance if NOT in Escrow with mortgage

Appraisal

Property tax escrow, if being aid as a part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.

Deed recording

Title insurance policy premiums

Land survey

Nortary fees if applicable

Prorations for you share of costs, such utility bills and property taxes

Florida Keys tidbits....

The Keys are about 107 miles long. We go by green Mile Marker signs on US 1/Overseas Highway, in the Keys. That depicts how far it is from that point to Key West, which is Mile Marker "0".

There are approximately 54 Keys in the Florida Keys.

Key Largo is the land mass Key, and Key West has the most population.

  Many Island Keys of Water in between.

There are approximately 78,000 perminant residents in the Keys. Key Largo has more Dive Reefs and Snorkel Reefs. Fishing is a very keen sense of living in the Keys, as well.

Welcome...............RELAX........................ENJOY!

Century 21 Schwartz Realty in Key Largo is the most trusted real estate company in the Keys. As a Realtor, I promise to uphold this trust.
If chosen to be "Your Realtor" you will learn that I am a highly skilled Realtor that understands the dynamics of the Florida Keys local real estate market on the Water and off the Water. I will communicate through the process so you can make an informed decision. I am very familiar with many of the Water Properties in the Keys, as well as the Dry Land Properties. Water in the Keys is our Paradise of which we are all surrounded. The peaceful nature of the water and the laid back nature of the people, makes the Florida Keys the perfect place to live.

Why Choose Me?

I am backed by much experience in the real estate industry in The Florida Keys and all of the recreations on the Water. I promise to work hard to meet all of your needs. As your agent, I will work hard to build lasting relationships with each and every client plus I will work with state of the art tools in the industry to help you find the best solution for your real estate needs, and respect your time by working efficiently. I will educate you of the Keys in general, its water and of the Real Estate Special Keys Policies through knowledge and all available resources!
To add: I am certified in Short Sales and Bank Owned Properties/Foreclosures, Women's Council of Realtors and Certified Agent Advantage Specialist and have lived in the Keys for 22 years!