Real Estate Listings by Email

by | Port St Lucie Real Estate

Real Estate Listings by Email

Buying Home Port St Lucie

Homes Port St Lucie

Let us know what you will consider your dream home and we’ll get started by providing you with the most qualified properties for sale in Port St Lucie and surrounding cities in Treasure Coast.  We also program the Multiple Listing Service, known as the MLS to send you email notifications for all new listings that match your criteria and also the price changes for existing listings.

Our goal is to expand our list of satisfied clients by helping you in every single step of purchasing real estate of your choice. The first step to achieving your goal in finding your dream home is filling out the questioners for buyers’ interests in this page. We will take it from here and stay with you throughout the entire process. We thrive in providing our home buyers with a top notch service and our business is fuelled by the word of mouth and referrals from our satisfied clients.

If you wish to search the Multiple Listing Service, MLS, by yourself and at your convenience please visit SEARCH HOMES RIGHT NOW

This is a free service that we provide to all our clients to search MLS for homes listed by all participating brokers in Port Saint Lucie, St Lucie West, St Lucie, Stuart, Hutchinson Is, Hutchinson Island, Jensen Beach, and Fort Pierce and neighboring real estate markets.

There is absolutely no obligation and we DO NOT subject you to register and receive emails from us soliciting business.  We hope that you find this service valuable and please do not hesitate to contact us by email at info@portstlucie.city or call us at (772) 323-6730.  We are available 7 days a week including all major holidays to serve all of your real estate requirements.

For a daily update of all incoming of new properties in your criteria as well as any price changes on all existing listings please visit RECEIVE LISTINGS BY EMAILS tab or Contact Hamid Hakimi

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Real Estate Contract to Closing

by | Buying Real Estate

Real Estate Contract to Closing

Real Estate Contract to Close

Image result for real estate contractWhen it comes to sales and purchase of homes there are a variety of organizations and individuals involved in each phase of the real estate contract to close.  The parties could include the legal representative, surveying company, appraisal company, title company, mortgage broker, financial institution, mortgage underwriter, real estate agents, along with other individuals or companies whose services are essential to the process. Every single entity has their own unique responsibilities and prerequisites with a focus on carrying out an excellent work to expedite the sale process.  Nevertheless, their target is very specific and aimed only in their own particular responsibility in the transaction.  As the buyer’s broker, my duties entail the management of the activities of every one of these firms and individuals in order to create a smooth real estate contract to closing for the buyers.

Negotiating a Real Estate Purchase

Negotiating a real estate purchase contract could be both thrilling and stressful for buyers during the acceptance and completion of the sale contract.  The acceptance of an offer means the start of a new phase of work for buyer’s agent, which includes following up and overseeing all other entities involved in the continuation of the contract process.  Also, sometimes the negotiation may continue even after the sales contract is fully executed.  The price negotiation may become necessary after the inspection report indicates the need for costly repairs.  The appraisal is another factor in triggering another round of the negotiation.  Additionally, we may initiate additional negotiations regarding any changes in the terms of the contract, document deliveries, title specifics and home loans.  All such tasks need to be completed for a closing to take place and buyers receive the keys to their new property.

Real Estate Contract Process

The following is an example of the many tasks and deadlines involved in each real estate contract process:  

  • Title Company- Post contract distribution of paperwork to the title company and obtaining a title binder or title commitment.  Closing process and distribution of the funds.
  • Earnest Money Deposit- Deliver the buyer’s deposit to an escrow account and send the receipt to the buyer.
  • Home Inspection- Assisting the buyers with ordering the home inspections from a reputable inspection company.  Evaluating the result of the home inspection and taking appropriate actions to remedy any possible issues with the property.  Timely distribution of the related documents in case of any issues that might have surfaced after property inspection.
  • Appraisal- Coordinating the access to the property by both the home inspector and the appraiser.  Following up with the appraisal and discussing the outcome with the buyers
  • Mortgage Lender- Working with the mortgage lender and managing distribution of paperwork they might need.
  • Contingencies- Supporting the sellers and buyers with any negotiations associated with contingencies and initiating additional negotiation, which may become necessary in the aftermath of  inspections or appraisal results.  Continuous tracking of all procedures within the title company and keeping all parties informed about all the changes in the contract due to contingencies. 

The on-time delivery of necessary documents and monitoring the work performed by different entities is essential to successful completion of any real estate sales contract.  A great number of tasks continues without the need to involving the buyers or sellers, but they will be contacted when the process mandates their input, signature, documents or other measures. It is important to emphasize that our main objective is to deliver a smooth closing of each transaction.  This is achieved through organizational skills and following up with all the due dates pertaining to the contract.   Our main duty is to guide both the sellers and buyer step by step throughout the contract to close process. There is more work involved in completing a purchase contract, but the above-mentioned tasks are the highlights of the necessary steps without going into more details of the sub-tasks.  It is our responsibility to follow–up and thoroughly assess each and every stage of the closing process.   Making all due-dates and maintaining the transaction on it’s along with preventing any possible default on any terms of the contract are the most crucial aspects of our work.  We will keep the real estate contract on target, and devote all the time and assistance necessary to make sure that our sellers or buyers stay protected throughout the contract.

To receive more information about homes in Port St Lucie and neighboring communities please contact one of our experts at:

Email: info@portstlucie.city

Phone: (772) 323-6730

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Mortgage for Home Buyers

by | Mortgages

Mortgage for Home Buyers

 

Buyers should familiarize themselves in advance with terms like amortization, Fixed and Adjustable Rate Mortgage (ARM) and compare the rates and monthly payments for 30 years, 20 years and 15 years’ mortgages and chose the plan that will suit their long term goals. In the long run, this could save them tens of thousands of dollars during the life of the loan and remember; there’s no substitute for knowledge and preparation.

Qualifying for and obtaining a mortgage is the first hurdle the home buyers may face. The process is handled by mortgage professionals who will issue a pre-approval letter indicating the amount of the mortgage the homebuyers could apply for. This is important when it comes to sending an offer on any property since the homeowners and their agents will not consider an offer without the pre-approval letter.
Do You Qualify?
Understanding how much of a mortgage you can qualify for…
Compare-Interest-Only-vs-Principal.jpg Compare Interest Only vs. Principal and Interest
Calculate the difference between interest only mortgage & principal mortgages
Calculate-Amortized-Payments.jpg Calculate Amortized Payments
Determine the monthly payment amount based on the amount borrowed & more …
Meet-a-Payoff-Goal.jpg Meet a Payoff Goal
How much additional monthly-payment is necessary to pay off your mortgage?
TaxSavings.jpg Tax–Savings
Estimate the savings in taxes that can be realized due to interest & property taxes!
Compare-Consolidation-and-Re-Financing.jpg Compare Consolidation & Re-Financing  
Compare refinancing a single mortgage vs. consolidating a first & second mortgage …
Refinancing-a-Mortgage.jpg Refinancing a Mortgage
See the cost and savings of refinancing at a lower interest, net of closing costs…
Compare-Monthly-vs-Bi-weekly.jpg Compare Monthly vs. Bi-Weekly
Save more by making one-half of your mortgage payment every two weeks …
Compare-Mortgage-Rates.jpg Compare Mortgage Rates
See the differences in mortgage payments and interest costs at different rates …
Compare-Term-of-Your-Mortgage.jpg Compare Term of Your Mortgage  
This calculator will compare monthly payments of different mortgage terms …
   

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Port St Lucie Home Buyers

by | Buyers Information

Buying Home in Port St Lucie

The home buying process requires more than just a licensed real estate professional with access to Multiple Listings Services (MLS) System.  You need an agent who fully comprehends a real estate transaction requirements and knows about the buyers’ anxiety that is associated with such transactions. You will need an agent who has already been through it, a person who has similar concerns when they were looking to purchase a property for themselves.

There are many aspects to the home buying process which change from year-to-year and a real estate agent needs to be kept up-to-date on these changes. Some involving federal government regulation, the environmental laws and regulations, home finance loan documents specifications and others may include the legal issues pertaining to the purchase of a property. To comply with all that every home buyer needs to be on top of every aspect of the procedure, or be assisted by a qualified person. As a former real estate appraiser and over a decade of experience with assisting buyers of pre-construction properties as well as the resale of real estate.  I will devote my entire attention to see that our buyers have reached all their goals in purchasing a property at the right price.

We are available to help potential buyers interested in buying homes in Port Saint Lucie, St Lucie West, St Lucie, Stuart, Hutchinson Is, Hutchinson Island, Jensen Beach, and Fort Pierce real estate marketplaces. Call (772) 323-6730 or email info@portstlucie.city, for our free service in providing you, without any obligation, a detailed list of properties that match your requirements.

MLS Search Assistance

MLS-Search-Assistance2.jpgThe Search of Multiple Listing Services, MLS is now at your fingertips and few clicks away.  Now you can search for all properties that match your requirements at your leisure.  Just send us a list of the desired properties and we will arrange for a tour of all of them at a date and time convenient to you. We will also help our buyers to understand the many fields of information that are found in an MLS, Multiple Listing Service search. We will work with you from the first search till the purchase of your dream home is completed.

Automated Search Reports

Automated-Search-Reports3.jpgAs soon as I know your requirements for the property selection, I’m able to create a customized search-alert emails to help keep you up-to-date of latest listings and price reductions for properties within the standards that you have set.  This service will constantly keep you abreast of the Port St Lucie real estate market and the properties that are compatible with your criteria. Upon finding the qualified properties we will arrange for a tour of all of them at any time and date that is convenient for you.

Financing Assistance

Financing-Assistance.jpgAfter the crash of real estate market due to toxic mortgages, the procedure for obtaining a home loan has been tightened considerably. In the current market, you will need a proven professional to facilitate a homeowner’s loan. That said, we have just the right sources in the Port Saint Lucie, St Lucie West, St Lucie, Stuart, Hutchinson Is, Hutchinson Island, Jensen Beach, and Fort Pierce real estate markets to expedite your loan in a timely manner and with best rates and lowest costs possible.

Price Negotiations

Price-Negotiations.jpgThe strategy to negotiate the best possible price is an art that is utilized only by experienced and educated real estate professionals. As a previously licensed real estate appraiser and a Graduate of REALTOR® Institute, GRI, I will create the best marketing strategy that is tailored to sell your home at the best price possible. Pricing your home correctly is instrumental in both price negotiation and also satisfying the requirements of financial institutions for granting a homeowners loan for potential buyers. There are limited real estate professional who can possess both the experience of a real estate appraiser and a REALTOR® with over a decade of successful real estate transactions.

Inspections & Repair Negotiations

Inspections-Repair-Negotiations.jpgNegotiating a sales contract is not only limited to reaching an ideal purchase price. This is very true for older homes and any property which require repairs and maintenance.  We will assist you in hiring the best home inspectors in the industry to pinpoint any issues that might exist in the home prior to the closing date.  The inspection could clear the home from any repair issues or might prove the presence of problems with structure, plumbing, electrical or HVAC.  Upon discovering issues, we will enter into another round of negotiating with the sellers. We will try to either have them make all necessary repairs or obtain credit that our buyers could fix the issues.

Contract to Closing

Contract-to-Closing2.jpgThere are various organizations and individuals associated with each real estate transaction from contract to closing. Including the legal representatives, surveying company, appraisal company, title company, mortgage broker, financial institution, mortgage underwriter, both real estate agents, and perhaps other people. Everyone has their own unique responsibilities and prerequisites, and each is focusing on carrying out an excellent work for you. Nevertheless, their target is narrow, aimed at their own particular task in the transaction. As the home buyers’ broker, my duties entail organizing the activities of every one of these firms and individuals in order to create a smooth closing to the buyers.

If you are looking to purchasing a home in Port Saint Lucie, St Lucie West, St Lucie, Stuart, Hutchinson Is, Hutchinson Island, Jensen Beach, and Fort Pierce real estate markets  please call me at (772) 323-6730, or email me at info@portstlucie.city to get started in working for you.

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Port St Lucie Home Buyers

Buyer Services

by | Buyers Information

The services of real estate agents in finding properties are similar when it comes to working with buyers. However, I receive high marks and recommendations from my past home buyers because as a former licensed property appraiser I take buyers related real estate services to the next level. Take a tour through the checklist for buying homes in Port St Lucie and you’ll see why I’m the best Realtor in the Port Saint Lucie real estate markets for buyers. Start anywhere in the links below that interests you and take this looped tour of our buyer services.

Locatingthe-Right-Property-for-You.jpgLocating the Right Property for You
Check out how I combine normal MLS search assistance with automated email alerts to find the perfect home for you.

 

 

Price-Negotiations2.jpgPrice Negotiations
You’re not left to fend for yourself when you make that first offer to purchase. Before that, I have provided you data and guidance to make sure that you’re on the right track to a good deal.

 

Inspections-and-Repairs.jpgInspections and Repairs
More negotiations usually crop up after you’ve agreed on a price, and they’re normally the result of inspections and necessary repairs. I am experienced and ready to help.

 

 

Getting-the-Best-Financing.jpg

Getting the Best Port St Lucie Financing

It’s difficult to qualify for the best mortgage financing and jump through lenders’ hoops, so I help you to find the best mortgages for your needs.

 

Title InsuranceContract-to-Closing.jpg

When purchasing a home you will enter a non-familiar territory that comes with many new terms and charges.  In the past many of my buyers have had questions about Title Insurance and how does it work.   Title Insurance provides you with the assurance that your title, which represents your ownership will not jeopardize due to past liens, taxes, municipality assessments, special taxes, and levies.  For further details please refer to this comprehensive pamphlet that is produced by the American Land Title Association: How Title Insurance Works.

Contract-to-Closing.jpgContract to Closing

The great number of delivery deadlines, documents, and tasks involved in a real estate closing will all be coordinated by my closing staff and myself.

 

 

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Buyer Services

Home Price Negotiation

by | Buying Real Estate

Home Price Negotiation

Purchasing Homes in Port St Lucie

Houses in Port St Lucie

Homes in Port St Lucie

​Most often the negotiations on terms are not centered only on the selling price.  Writing a buyer-friendly contract could many favorable terms including the seller’s credits toward the closing costs, which will discount the property by the amount of the contribution while helping the cash-poor home buyers with their closing costs.  Best of all, the years of experience as a Realtor®, Real Estate Broker, and former Property Appraiser does not cost home buyers for all services offered by me, my team and one of the most reputable real estate companies, Coldwell Banker Thomas J. White Realty.  The following is a highlight of some of the free services we offer to our home buyers:

Housing Market Data –In order to place the best offer we have invested a great deal of time and energy in gathering industry data to assist home buyers in their price negotiations. This information is not just for the sold home in the area, COMPS, but we also employ the active and pending listing prices to ascertain the competitive dynamics of the marketplace.

The information is quite comprehensive, and it is known as CMA or a Comparative Market Analysis.  The two main components of CMA include the comparability of the home in question against the similar homes that have been sold recently in the surrounding area.  This provides us an idea about the sold homes market, but since this is “past” data, perhaps is not in line with the current market conditions.  To remedy that, we compile an additional CMA report with an emphasize on the currently active listed homes, which  are located in the same community and share more similarity with our subject home.  This provides us an overview of the housing market to modify the CMA module and adjust the offer price according to the fair market value.

True Understanding of the Homebuyers’ Circumstances – Only by continuous communication with our buyers we can assist them in buying the ideal home to match their requirements effectively.  By knowing your wants and needs as well as the financial abilities, we could better assist you to create a price negotiation approach that will have the greatest chance of success.

Understanding the Seller’s Motivation– Although it is not generally possible to determine why an individual is selling their home but there are actually a few points that we can learn using the listing price history and number of the days on the market that will enable us in assisting you to make an educated decision on the price of the home.

It Is Not All About The Money – There are a number of methods to write an effective real estate offer and often they do not include money. We explore all possibilities of swinging the scale in favor of our buyers even if the seller is not flexible on the asking price.  There are always many ways to ask the sellers for other incentives that could result in a better deal.  We will negotiate all possibilities to make our offers as beneficial to our buyers as possible.

It Is Not Over Till It Is Over – Most often the price negotiations include several offers and counter offers and a great deal of back–and–forth negotiations.  We will accompany you during the every step of the offer and counteroffer to modify the negotiation tactics properly.   More than once we have witnessed the immediate acceptance of a lower price offer by the sellers only to discover there are many repair issues after the home inspection report becomes available.  The contract could fall apart at this stage if we fail  to negotiate with the owner regarding the repairs.  This shows that the negotiation to buy a property is not over and done with the acceptance of the purchase price.  We have learned that a seemingly easy acceptance of the initial  offer on the front end could lead to significantly less flexible seller when inspection and the repairs issues surface.  The sellers feel that by accepting the buyer’s offer they have already sold the property and since the buyers have agreed to the price the additional negotiations are meaningless.

These are some of the few obstacles that buyers could encounter but most problems could be solved by having a professional real estate expert on their side to guide them.  My team and I will be with the home buyers in every step of buying homes in purchasing homes in Port Saint Lucie, St Lucie West, St Lucie, Stuart, Hutchinson Is, Hutchinson Island, Jensen Beach, and Fort Pierce.  For more information about our free buyer’s services please contact one of our area experts at:

Email: info@portstlucie.city

Phone: (772) 323-6730

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Home Inspection and Repairs

by | Home Inspection

Home Inspection and Repairs

 Home Inspection and Repairs

Home Inspection

Home Inspection Checklist

Most buyers overlook the fact that negotiations do not end when the agreement on the price reached and the purchase contract signed by all parties. There are a variety of contingencies and procedures that occur after purchase contract ad before closing.  There are many factors that often lead to falling apart of many signed and executed contracts.  Among these factors, the most notables are appraisal and home inspection issues.  We will discuss the process of appraisal in another section but for now, the following are the main aspects of any home inspection:

 

  • Structural Inspection
  • Roof Inspection
  • Mechanical Equipment Inspection
  • Plumbing Inspection
  • Electrical Inspection
  • Termite Inspection
  • Mold & Other Environmental Threats

And for properties that are located in the urban area:

  • Wells & Drinking Water Quality Inspection
  • Septic Systems Inspection

Although your inspection might not call for all of them, and a few could be mixed or performed by different home inspectors, but generally the first 6 reports are common in any home inspection in Florida.  It is noteworthy to irritate the point that most inspection report will contain many small details that it should not affect the buyers’ decision but for larger issues enter another round of negotiation.  It is our duty to obtain the appropriate inspections, schedule them, and make certain that they will be carried out by the due date.  Failing to finish inspections, or relay the buyers’ objection to their outcomes, by contract dates can lead to the termination of the contract by the sellers or inability to seek for remedies to the problems that have surfaced after the inspection. I make certain that this neither scenario would materialize.

Upon completion of an inspection, there might be some issues discovered that you simply were not planning on and don’t wish to deal with.  This can become the second negotiation within the contract process. I go over inspection outcomes with my buyers and put together paperwork that are necessary to request seller’s actions and modifications. Sellers most often have the tendency to feel obligated for taking any remedial measures.  At this stage the offer and contract process turn into a crucial negotiation tactic all over again, particularly if the issues are substantial.

We are present in any given moment of any negotiation and ready to assist the buyers in necessary talks that might hinder the success of the purchase.  When it comes for the reasons that makes a contract fall apart, the selling price, appraisal and the inspection are classified as the main factors.  Occasionally creative negotiation has to be employed to maintain the purchase process on track especially after the seller is not cooperating with the request for repair or any other remedial demands. As skilled negotiators we tackle and resolve many similar issues this every single day and sometimes we can resolve the issues by simply getting a quote for the repairs from one of contractors with great track record.  This usually allow for seller to realize the amount of money required for fixing the problem is very little compare to the value of the whole deal and they have a change of heart.

The main element to maintaining an offer proceeding with inspection issues is that we stay engaged at all time and all the way.  We will make certain that every single resource is utilized to maintain your property purchase on course and obtain every single feasible concession from the sellers.

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Getting the Best Financing

by | Mortgages

Getting the Best Financing

Obtaining The Best Home Mortgage

Home Mortgage

Obtaining the Best Mortgage

​Although choosing the best property that suits your needs is the main goal, taking advantage of having a lower interest rate and getting the best financing is definitely an essential objective as well.  During a decade of dealing with numerous Port St Lucie  Financing lenders and financial institutions within the State of Florida, we have narrowed the list to the few top notch lenders.  This will allow us to assist you to get in touch with the loan companies that are the most useful match for both you and your financial picture.

The standard mortgage loan for working individuals – Just because your earnings history is not the indicator of a great wealth, or just because you are an hourly employee that should not imply that there are not a variety of home loans and loan companies to meet your needs.  Each and every large financial company and loan servicers will provide particular loans within their unique prerequisites and procedures, which might not function as the most friendly terms and conditions for any salaried or per hour salary earner. I am aware which lenders are likely to deal with you properly and provide you with the most beneficial terms, and I will provide a list of them so you are getting the best financing.

The self–employed Homebuyers – Since 2007 the property finance and real estate turmoil has made it more difficult to obtain a loan for an entrepreneur or self–employed individual.  Income and expenses ratio is a lot more specific, and we have tried to stay up–to–date on the new requirements. We could lead you to a number of solutions for excellent home loans programs that are tailored for the self–employed individuals and families.

Less than an Excellent Credit Rating – In the new financial era many mortgage companies are becoming more difficult when it comes to the credit-worthiness of homebuyers.  The possibility of having a reduction or two in your credit history has unfortunately become more common than in previous years.  Lower credit scores are not even going to require an error or overdue payment, for lowering of credit ratings by a mere ratio of debt to income. Many individuals pay their expenses by the due date but still do not possess stellar credit ratings.  We will try to assist you to find the loan companies within the Port Saint Lucie, St Lucie West, St Lucie, Stuart, Hutchinson Is, Hutchinson Island, Jensen Beach, and Fort Pierce real estate marketplaces who are willing to supply excellent home mortgages intended for lower FICO scores.

Adjustable Rate Mortgages, ARMs, and When They’re Acceptable – Although most residential real estate buyers are purchasing a house that they plan to occupy for several years, the national average is no less than eight years.  Investors may, for instance, be looking for a shorter ownership period. ARMs, Adjustable Rate Mortgages, are generally suitable when the strategy is to possess a property for seven years or less, particularly five years or less. Considering that the financial institution is tying up their funds for a reduced time frame, they loan at reduced rates of interest.  In some instances ARMS could lead to a considerably less monthly mortgage. This could also allow a purchaser to be eligible for a larger mortgage which increases their buying power. Nevertheless, ARM is not commonly a good practice.  The main reason remains in the fact that as soon as the ARMs reaches the predetermined interest rate period, the loan costs can increase more than the estimated amount by the homeowner.

Financial Disclosure and Deal-To-Closing Factors – Notably following the mortgage and real estate crisis starting in 2007, the examining of personal earnings and expenditure details by financial institutions and their underwriters are considerably tighter than in the past.  Be ready to search for all necessary records, and proof of payments.  We shall also emphasize on the transparency when it comes to being honest with any financial facts that might have an effect your ability to cover the loan payment.  Even when it is not requested by the lenders during the early stages, be ready for inquiries and demands for paperwork later on.  Also, it is really a smart idea to not increase any charge card limits, obtain a new card or add to any other debt between the time of your purchase agreement and the closing.  Also, be advised that many lenders will perform an additional credit assessment along with a search for any liens or clouds on the title prior to the closing.

Look at the Charges and Inquire Further – There is a variety of charges related to obtaining a home loan including the origination fees, title fees along with other charges contributing to closing expense in the Port St Lucie financing closing package.  Don’t be reluctant to check out all charges, why they are incurred and why they are a specific amount and exactly how they are calculated. It is your hard earned money, and you happen to be the client with the right to ask questions.

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Finding Your Dream Home

by | Buying Real Estate

Finding Your Dream Home

Finding Your Dream Home Starts Here!

Waterfront Homes for Sale

Port St Lucie Homes

With more favorable home prices in Port St Lucie and the historical low interest rates, finding a dream home in our area is only a phone call away. Let us know what you consider to be your dream home and we’ll get started by providing you with the most qualified homes for sale matching your requirements in Port St Lucie and surrounding communities.  We also program the Port St Lucie MLS, Multiple Listing Service to send you email notifications for all new listings as well as the price changes for the existing listings that match your criteria.

Our goal is to expand our list of satisfied clients by helping you in every single step of purchasing real estate of your choice. The first step to achieving your goal in finding your dream home is to simply let us know the features that will make a house a home for you . We will take it from there and stay with you throughout the entire process. We thrive in providing our home buyers with a top notch service from the start of searching for properties to handing you the keys to your ideal home at the closing of the sale.  Our business is mainly sustained by the word of mouth and referrals from our satisfied clients and we will love to earn yours.  For more information and to receive a list of homes for sale in Port St Lucie area please contact one of our experts at:

Email: info@portstlucie.city

Phone: (772) 323-6730

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