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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Cape Coral, Fort Myers, Marco Island, Sanibel Island, Punta Gorda and Miami real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Working With An Agent >A Real Estate Agents Reality

The process of guiding a home sales transaction is in reality more complex than many people realize. When qualified buyers present an offer on your home, it might seem that the deal is done, but this is only the beginning of the negotiations process. Ideally, this aspect of the transaction culminates in a meeting of the minds. At no point can the real estate agent just sit back and relax, because the "glue" that holds each transaction together is subject to a variety of factors and forces that may cause the deal to fall apart.

We can only hope that there are no surprises during the home inspections. We have to presume that the appraiser will think the house is worth as much as the buyer and seller do, but this is never guaranteed. As the buyers make their loan application, we cross our fingers that the credit report reveals they always pay their bills on time.

Rarely is a transaction completed without a few problems. A real estate agent's professional skills come into play primarily during the time between contract ratification and the closing. At this point, we use our creativity, patience and negotiating skills to achieve a happy resolution to your transaction.

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Real Estate Trivia
Q 
What is the average price for a home in the United States?

A 
According to recent data published by the NAR, the national median price for existing single-family homes is now $230,000.
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Peter Pena, REALTOR®, real estate agent and broker for Cape Coral, Fort Myers, Punta Gorda and Miami, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Peter Pena
Bay Water Realty

860-B SE 46 Lane
Cape Coral, FL 33904
Toll Free: 800-875-6182
Cell: 239-440-9550
Fax: 239-651-0083
peterrealtor@NUMBER1EXPERT.com

17 years experience Real Estate Advantage Training, Member Realtor Association Greater Fort Myers & The Beach, Member Florida Association of Realtors, Member National Association of Realtors, Member WCR Fort Myers Member regional mulitple listing service (MLS) and Professional Mortgages Broker. Full Time Realtor Servicing All Lee, Collier and Miami Dade County. My Specialities waterfront / luxury Homes, Cape Coral-Fort Myers-Marco Island-Sanibel and Miami. Languages Spoken English, Italian, Portuguese and Spanish


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